AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a mortgage with Green Tree Servicing LLC. 
In XX/XX/XXXX my house was going to be foreclosed. I was told that I needed to raise {$62000.00} to keep it. I had to sell everything I had and borrow money from friends and relatives to get that money. I was told this was going to cover everything, including attorneys fees, late fees, escrow negative balance, taxes and everything else. After I sent in the payment, they raised my mortgage payment from {$810.00} to over {$1500.00}. I was told it was raised due to escrow. I asked them why was I being charged for escrow when I had paid for it. They responded that the {$62000.00} all went to interest and there was not enough money to cover escrow. 
XX/XX/XXXX I received I letter stating that I had paid {$40000.00} in interest. I called Green Tree and asked where were the other {$22000.00} I paid in XXXX, also where did the other XXXX payments of {$1500.00} during the year of XX/XX/XXXX go to. I never received a clear response. I hired an attorney and they sent us an incomprehensible statement which did not add up to all the monies paid. We asked detailed information that stated exactly how much went to interests, how much went to fees, how much went to the principle etc. Their response was that they did not have that information available for us and that was it. My concern and plea for your help is to find out where that money went to and also why did they lie to me about the escrow. Why am I now paying over {$1500.00} a month on a mortgage that is {$90000.00}. Now I am again behind on my payments and again with the threat of loosing my house. What do I do? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: As a continuance to my official Case number : XXXX filed XXXX/XXXX/15, the Spot Loan has withdrew funds from my account a day prior to my request for withdrawals on the XXXX! Now I will be charged an overdraft fee of {$35.00}. I do not have earned income! Have you reached out to Spot Loan yet? 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My husband is XXXX. He has XXXX and XXXX. We were granted a mortgage in XXXX with XXXX XXXX Loans. When we went for closing we were told that we would be able to keep our mineral rights and were made to sign them over to them. They then sold our account to CountryWide Home Loans. CountryWide was bought by Bank Of Ameria. 
XXXX of XXXX Bank of Ameria told us our hoas was in Forclosure Status and asked us if we wanted to keep our home. We told them we did and they advised us to fill out a lot of forms from the internet and fax them. Meanwhile the Bank of America representative that was assigned to our case, accepted a different position within their company and we were assigned a new representative. This representative said she never received any of the files that I had faxed and would I re-fax. I then received a call a few weeks later saying they never got the forms. I re-faxed and called to see if they received the forms and was informed that my representative had changed and leave a message for a call back. I left a m essage and the representative returned my call and said that the forms were received but I missed a couple of items on the form. She mailed me the forms to fill out and she highlighted the areas she said that were not filled in. I fixed the error and re-faxed them to her. A week later I received a call form another representative saying that it was too late for my case because I now owed too much on the loan for a modification. A couple of weeks later I received a call from another representative asking if I wanted to keep my house? I said yes. They started the process over from the beginning. They assigned us a new representative who calls and says we can appeal. We go ahead with the appeal process only to be told we were denied because of incomplete paper work. We then receive another phone call a few weeks later asking if we wanted an appeal? We said yes only to be told again that we were denied. This process continued until XXXX of XXXX. XXXX we were contacted again and told to fill out more paper work. 

Company response: Company chooses not to provide a public response
Consumer complaint: I logged on to XXXX and noticed that it said there are XXXX credit card accounts. XXXX is not mine. It is a XXXX XXXX XXXX card, opened XXXX XXXX, 2003 ( I would have been XXXX years old when this account opened ). It currently has over XXXX $ in debt and the address for this account is in XXXX XXXX, Texas. I 've never lived there. 

Company response: Company chooses not to provide a public response
Consumer complaint: There has been a house bought in my name and now in foreclosing, car rentals, and many other activities 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an FHA loan at US Bank that was paid off on XXXX XXXX 2015. On paying the loan off on the XXXX XXXX instead of XXXX XXXX I was charged {$1000.00} interest fee. I spoke to US Bank in regards to this and was informed that they were unwilling to refund the charge of {$1000.00} even though the interest charged was the EXACT same day as the loan was paid off. I feel that a {$1000.00} charge for paying off a mortgage loan 2 days into the month is, for better words, a scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Currently I have student loans with Genesis Lending from classes that I attended at XXXX XXXX XXXX in XXXX, Wyoming from XX/XX/XXXX till XX/XX/XXXX. I am a veteran of the XXXX XXXX and as though I did receive benefits from my XXXX G.I. Bill, the money had to be used for living expenses since my husband and I were unable to receive campus housing due to our marriage status. Because of this, we were unable to use the G.I. bill for its intended use and now we are paying the student loans. Considering XXXX provided high hopes for attending the school, I became a XXXX GPA student and graduated with above and beyond characteristics. When I attended the introduction day where I had to sign tons of papers, I remember specifically them telling me to sign a paper for a private Genesis loan in which I had not been aware of. They wanted me to do this since I did n't not qualify for some other loan. The lady insisted that it was a good loan although I feel I did n't have much time to think about it and I feared that I would not be able to attend school if I did n't do this. I do n't remember going over interest rates or loan amounts but she did tell me they would wait till we graduated to pay them back. After graduation, I applied for many positions and did receive only XXXX call back. In addition my husband received XXXX. I became sole provider till he found a job but I was not properly prepared to work in the position I ended up getting as an XXXX at XXXX XXXX. My hands on teachings were out of date for the current repairs that I had to make on vehicles. I feel that my husband and I were ill-equipped for entering the XXXX as they had lead us on to be as well as my above and beyond attitude that I worked on while attending did not seem to have made a difference. I currently am a XXXX and both my husband and I feel that we did not receive enough or the right sort of education that would help us in the XXXX. We have felt like this for years. Our loans had been on multiple deferments and forbearance as well as while I did have a job, I do remember specifically XXXX instance where I received collectors calls and I had to tell them I could n't pay them back but the lady insisted that I make a payment that very day. The call ended in tears. Myself as well as my husband where not happy with our education as well as the position that we were left in when he could n't get a job and that we had to use the benefits money to pay for our living expenses at the time. We are still to this day trying to get ahead even with our loans on forbearance. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The problem is that every time I try to get information on my personal credit report, such as when I tried to use " XXXX XXXX '', I was blocked.Now I am for certain that someone is definitely doing something with my information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not received a statement from Greentree since XXXX. the last correspondence i received was an escrow analysis that was dated XXXX XXXX. I have called at least XXXX times a month, every month they say XXXX is in the mail. I was guaranteed this month that one would be in the mail by XXXX XXXX, I am on the phone again, and they are telling me they once again did not mail XXXX. I am on the phone with XXXX id # XXXX who claims to be a supervisor yelling at me telling me i am lying. It is appalling that all i want is XXXX statement to pay my bill. I have XXXX mortgages and XXXX car payments. Please explain why this is the only company that can not get me a statement. I am now talking with XXXX, Lead id # XXXX he is saying that the flag was just removed this month. Greetree will NOT send me statements this is absolutely frustrating. Why is it i get the escrow analysis and offers to refinance but i can not get a statement 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My husband and I purchased a house in XXXX of 2013. We used a VA loan through XXXX XXXX XXXX XXXX. They told us what realtor to use. That realtor only wanted to show us properties his agency had and when we did choose a perfect property VA denied it because it had no fridge. They approved the house we purchased however even though there was no fridge. During the purchase the realtor would call us to his office to sign papers XXXX inches thick and told us he was on a deadline he had to send them back immediately. We needed to sign now and read it later and would not allow us time to thoroughly read everything before signing. He was pushing everything through as quickly as possible. We paid {$81000.00} for the place and a week after closing the other houses on the street started selling for $ XXXX {$65000.00}. We found out that our place was only worth XXXX. Now we owe XXXX more than the property is worth. There are a number of repairs that were supposedly done. None of them were done properly. Our local XXXX XXXX Fixed a few thing for us. There is so much wrong with the place that it is going to cost about $ XXXX {$200000.00} to properly fix it all. We have applied for and been denied for every government program out there. I feel like my family has been screwed. We have no options with the bank who owned the property before us. We were told we have owned the place too long. We are a low income family and ca n't afford all that this house needs. I feel like it is going to fall down around us. XXXX of the more expensive issues is that the house is sinking. There are springs that run under the houses on this street. The support columns do n't even touch the house because they have sunk into the ground. The floors and walls are cracking, the stairs are pulling away from the wall. It needs jacked up and stabalized. Is there anything we can do? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was called by a USAA Bank XXXX, during the discussion the lady made the statement that we checked the taping of my phone discussion, I was surprised, I was not told that they were taping me, I feel my constitutional rights have been violated, plus is there not a federal law against WIRE TAPS with out a judges approval???? + also not informing me that I 'm being TAPED??? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Cashcall reported inaccurate derogatory information on my credit file. They have now changed their name to Loan Me with no working phone numbers to Cash Call. I called XXXX to get assistance since they are the same company with a different name and they refuse to assist. They state that I have to call Cash Call for help. I explained several times there are no working phone numbers and to please provide me one, however, they are unable to provide me any working numbers either - even though it 's the same company. They state that I have to go to XXXX and find a phone number. I explained again all the numbers on XXXX are non working numbers, and they still refuse to assist. 

Company response: Company chooses not to provide a public response
Consumer complaint: JP Recovery Services keeps calling my phone asking for someone named " XXXX '' at XXXX. I receive at least two calls a day with a robo recording. I answered once and was told by a representative that my number would be removed from the list. My name has not been removed and therefore I consider this harassment. I have no relation or knowledge of who they are trying to contact. I have had this number for a little over a year and have been receiving this calls this whole time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened up a private label credit card with Wells Fargo Bank for the XXXX. This account had a {$1400.00}. credit limit and was opened in XXXX 2013. 
Purchases were made on the card in XXXX and XXXX 2013. All payments were made on time, and the account was paid in full. 
I went to use the account in the last week and discovered that it was closed unilaterally by Well Fargo. This was without any prior notice, or without any negative action on my part. 
When I called them up, they told me that the account was closed due to XXXX months inactivity. 'I was informed that if I wanted to, I could re-apply for the card in person at XXXX of the XXXX XXXX locations. The closest location is XXXX minutes away from where I live, and there is no ability to apply online. 
There was no notice of this 18 month requirement in either the consumer credit agreement I signed, nor their current agreement. 
This has had an impact on my credit as it has reduced my available credit. 
I feel this was an arbitrary and capricious action on their part, as well as a poor customer service action. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection agency explicitly told me that if I paid on time and paid the monthly amount they wanted that I could avoid having a negative mark put onto my credit report. 

After paying them on time, and paying the amounts they requested, they then reported the collection AFTER I had finished paying them off. To be clear - They held off on reporting the collections debt until I had finished paying them off in full WITH interest as well! 

In addition to that, the last written email contact I had with them when requesting an exact amount to pay off had them reply back with " about {$110.00} ''. They did not give an exact amount. On my last payment I paid {$120.00}, just to be safe. I never received any confirmation that the debt was paid off nor have I received any money owed back ( if we stick with the assumption that I owed {$110.00} and some change, then they owe me at least {$4.00} and some change )! 

The only way that I know the debt was paid off was by the collection remark on my credit report showing a {$0.00} balance on the collection amount and it being marked as paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like few days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores. I 've spoken to them over the phone and has asked to put my payment on auto withdraw and they assured me that they will fix it but to this date I am getting a pay by mail ( bill ) sent to me. I speak XXXX as my main language. please have them call me with a XXXX speaking representative. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a problem getting my annual report. 

Company response: Company chooses not to provide a public response
Consumer complaint: While I was undergoing a credit check in order to obtain my XXXX license, it was discovered that I had a previously unknown collection account on my credit. I contacted the debt collector " Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone XXXX '' and was told it was a debt to XXXX from several years earlier. I asked them for verification of the debt, however all they sent me was what looks like a blank XXXX bill with the amount they say I owe as a " previous balance. '' I called them back and they told me that that was all that they have and I would have to call XXXX myself. When I called XXXX I was told that they do not know what they debt was for and that I would have to get that information from the debt collector. I talked to Southwest Credit XXXX XXXX time and they were very curt and said " We gave you what we have, now you need to pay. '' While no one at either XXXX or Southwest Credit can explain what the debt is for, my fear is that they are claiming that they never got their cable boxes back. When I closed my account I did so in person and turned in my equipment, but for almost 6 months I got phone calls almost every day saying I had not returned my equipment. I always told the caller that I did return my cable boxes and they always said they would look into it, and then the calls would keep coming. At this point I do n't know what to do, I firmly believe the debt is not valid and neither XXXX nor Southwest Credit will provide me with anything to show that it is valid ... however this is seriously endangering my employment and if it is not resolved soon I will be force to pay it. I 'm basically being held hostage and robbed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX COMPLAINT, I WANT REIMBURSEMENT FOR THE FUNDS I 'VE SPENT ON A ILLEGAL CONTRACT WITH ALLY BANK, ALLY FINACIAL, I 'M OUT OVER {$15000.00} IN SIX MONTHS FIGHTINGTHESE PEOPLE, I WANT XXXX. 
XXXX NEW JERSEY TOO REIMBURSE XXXX XXXX CREDIT CARD FOR THE $ XXXXIT COST TOO CORRECT THE DEALER FRAUD ON MY CREDIT CARD FROM XXXX XXXX XXXX? 
HE USED THE MONEY ON HIS SELF, NOT THE {$6000.00} USED INFINITY THE DEPOSIT WAS GIVEN FOR. 
HE ALSO RECEIVED {$14000.00} FROM ALLY FINANCIAL INSTITUTIONS, THEY WERE TOLD PRIOR TOO GETTING THE VEHICLE TITLE FROM XXXX. 
THE XXXX XXXX WAS A BAIT & SWITCH TACTED, THE FINANCE COMPANY STILL SAIDS THEY HAVE NO CONNECTION WITH DEALER, THAT 'S WAS FOUND BY THE STATE, GOVERMENT, NJ XXXX XXXX XXXX, ALL COMPLAINTS WERE FILED. 
THE DEALER STOLE THE MONEY, GOT THE CAR BACK TOO RESELL AGAIN THROUGH ALLY FINANCIAL RESELLING CAR BACK TOO THE NEW JERSEY AUCTION IN XXXX XXXX. 
XXXX COULD NOT FIX A XXXX XXXX NEEDED A MINIMUM OF {$7000.00} IN REPAIRS TOO MAKE CAR LEGAL IN NEW JERSEY. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER TOO ME OR ALLY FINANCIAL! 
I KNOW ALLY NEW BECAUSE I NEVER HAD A APPLICATIONS FOR CREDIT, THEY SENT ME A TURN DOWN LETTER AS WELL AS XXXX OTHER FINANCIAL INSTITUTIONS. 
I WAS DECLINED FINANCING EVEN WITH A FICO OF XXXX IN XXXX DUE TOO MY NEW XXXX LEASE IN XX/XX/XXXXTHE CREDT BUREAU REPORTS KEEP LYING ON THE REPORTS, THERE WAS A ACTIVE FRAUD ALERT ON ALL THREE CREDIT BUREAUS REPORTS IN XX/XX/XXXXWE HAVE PROOF, XXXX HAS DELETED ALLY FINANCIAL FROM THE CREDT REPORTS AFTER THRE INVESTIGATIONS. 
I 'M TIRED, BROKE, AN CAN NOT STRAIGHTING OUT MY CREDIT CARDS, OR PROBLEMS I NEVER LEGALLY BOUGHT. 
I WANT ALLY TOO REIMBURSE MY COSTS, DEALER THE CREDIT CARDS, WE HAD TOO FILE CRIMINAL CHARGES AGAINST XXXX. 
THEY ARE ALL APART OF THE DISCRIMINATION CASE YOU PROCESSED VIA DEPARTMENT OF JUSTICE, CONSUMER PROTECTION AGENCY IN XXXX XXXX XXXX , ON XXXX, SOCIAL SECURITY ONLYWAS ABLE TOO STARVE MYSELF, NO TRAVEL, NOW CAN NOT PAY ELECTRIC, SOME ONE HELP ME GET SOME ONE TOO GET ALLY TOO REIMBURSE THE CAR, MY COSTS, REPAIRS, ATTORNEYS FEES. 
SIX MONTHS NOW, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Called my ex-husband 's number who I am estranged from about my debt. I have a restraining order and they are jeopardizing my life. Jared Galleria/Sterling 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in the process of completing an approved short sale with Bank of America. The borrowers XXXX and XXXX XXXX were ordered to sale their home per their divorce decree. Bank of America released docs to the XXXX regarding the approval of the short sale on XXXX/XXXX/15. At this time they had an offer and issued a counter offer which the buyer accepted. As of last week XXXX all parties were waiting for the approval letter to be generated per the negotiator from BOA - XXXX XXXX. On XXXX without warning I received a message via XXXX that the file was scheduled to be released for service hold to XXXX XXXX. The buyer is CLEAR TO CLOSE.. Now his rate lock is in jeopardy and BOA will not return my phone calls, messages in XXXX that includes escalations. This morning I see the previous negotiator has been removed from the file effective today and XXXX XXXX is assigned. The ext of XXXX as listed in XXXX is not valid. I called and the system reported that the extension is not valid. They have ceased communications after approving the short sale and totally put this entire process in danger. The borrowers have NO knowledge of this transfer as they have not received any communications from BOA and XXXX does n't have the file in their system after referencing the SSN 's of the borrowers. Your immediate help is required to bring an end to fraud by Bank of AMerica. I am the realtor/negotiator submitting this complaint and have exclusively worked with Bank of America in this process. 

Company response: Company chooses not to provide a public response