AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: It has been 6 month since I contacted Wells Fargo Bank to resolve their unfair credit reporting in XX/XX/XXXX on an account which should had been closed since XX/XX/XXXX. I has been stressful holiday season for my family since I am not able to get a loan to buy a home due to stamen placed on my credit report by Wells Fargo bank. For the last 6 month Welles Fargo bank has been going around in a circle not answering my questions and asking for more time to investigate. Each agent I am getting over the phone giving me different answer. Here is the complaints. 

1- I had a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX. The mortgage on the home was with XXXX. I had sold the home on XXXX. ( attached is document of sale ) 2- Wells Fargo Bank reported me to the credit bureau on XX/XX/XXXX that the home located at XXXX XXXX XXXX XXXX started on foreclosure which was not completed and claims that the home was still under my name in XX/XX/XXXX despite off providing Wells Fargo bank with all document that I had sold the home in XX/XX/XXXX and I had nothing to do with the home in XX/XX/XXXX. 
3- Wells Fargo back mailed me a letter indicating that the Mortgage was paid off in XX/XX/XXXX and the home line of credit balance at the time of sale was XXXX. Still Wells Fargo Bank refusing to correct false report to Credit Bureau. 
4- My questions to Wells Fargo Bank are : a ) How I can be reported as the owner of a home in XX/XX/XXXX with all clear evidence that I sold the home in XX/XX/XXXX? 
b ) How I can be reported as " foreclosure started but not completed '' for a home I did not own c ) Wells Fargo aware that the title company cleared this issue with them on behalf of the home current owner in XX/XX/XXXX not on my behalf. 
d ) There is no way I can be reported to credit bureau for a foreclosure for a property I did not own at the time of foreclosure. If there is any law indicate that I can be reported for foreclosure for a property I did not own I want to see this law. 

What Wells Fargo Bank is doing with me is unethical and unfair. It has been stressful 6 month trying to resolve this issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: CitiMortgage is reporting my mortgage account to the XXXX major credit reporting agencies as 30, 60, 90, 120 days late, beginning XXXX 2014 through XXXX 2014, which is incorrect. I entered into a loan modification agreement during this period of time. When I first contacted CitiMortgage, I was informed that I would have to be 30 days late before I could be approve for a loan modification. I applied for the loan modification because money was extremely tight due to previous job loss and very serious medical conditions for both my wife and I, however, I was fully prepared to make the XX/XX/XXXX payment. Per instructions from CitiMortgage and in order to qualify for the loan modification, I did not make the XX/XX/XXXX payment and was subsequently approved for the modification. I made each payment, per the modified agreement, beginning in XXXX 2014 and continuing until now. However, the payment history now being reported by CitiMortgage reflects that I not only failed to pay in XX/XX/XXXX, but also XX/XX/XXXX and the following months through XXXX 2014. 
I have disputed this directly with CitiMortgage ( see attached ) and they have verbally communicated that they will not change this erroneous reporting because this " is just how we report it. " Therefore, the only conclusion I can come to is that CitiMortgage is KNOWINGLY and INTENTIONALLY reporting this inaccurate information in violation of the Fair Credit Reporting Act after being informed of their error. 
Since CitiMortgage obviously does not care about the consumers they are harming and is refusing to correct this error, I request that the CFPB step in and assist me with raising my issue to the appropriate management levels at CitiMortgage who have both the authority and willingness to right a wrong that is causing harm to a consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: the questions they asked me i answered them correctly to my knowledge ... and couldnt get report might be fraud 

Company response: Company chooses not to provide a public response
Consumer complaint: my mortgage with Green Tree as the servicer got foreclosed on in XXXX at XXXX sale then I got a satisfaction of mortgage in XXXX from Green Tree Servicing LLC before the redemption time was up. Then in XXXX. I received from Ditech Financial LLC that my terms of my Account Modification Agreement my interest rate is to change and my payments start on XXXX/XXXX/XXXX also received the same notice for my ex wife that had nothing to do with my mortgage loan I took it out to pay her off in the divorce. then on XXXX XXXX I was served with NOTICE TO QUIT LEAVE AND VACATE then with a COMPLAINT FOR FORCIBLE ENTRY AND DETAINER from XXXX XXXX MORTGAGE XXXX then I went to court today XXXX of XXXX plaintiff appeared by phone I did not have a lawyer and I had all the paperwork and a witness but I lost in court. I have been protesting the foreclosure way before it went to sheriff sale because of misused escrow funds and harsh collection tactics missing payments over paid insurance modifications not recorded broken chain of title and fraudulent foreclosing methods. my mortgage was assigned to MERS when I took it out in XXXX then assigned Green Tree Servicing LLC in XXXX as recorded to XXXX XXXX clerk but I made payments to XXXX Mortgage then XXXX loan Servicing that were not recorded also my satisfaction of mortgage is signed by someone that works for Green Tree Servicing LLC as assistant secretary for MERS the same on assignment of mortgage to Green Tree Servicing. I 'm still in my house but if I ca n't get it stopped FORCIBLE ENTRY AND DETAINER will be in three business days is there anything you can help me with? XXXX XXXX MORTGAGE XXXX is not on any of the recorded documents before foreclosure not until after I got satisfaction of mortgage from the XXXX clerk. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company has reported a a amount owed for a XXXX account which I have paid when I returned my phone 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I purchased a mattress and box springs from the XXXX XXXX in XXXX, Texas. They had signs all over the store saying " 90 days interest free. '' When I asked the salesman about it, he told me that they had several sources for loans with 90 days no interest. He submitted my application and told me I was approved. He printed out the contract with the loan company, Merchants Preferred. The contract was XXXX or XXXX pages long and I just had to initial XXXX page and sign the last page and the Sales Receipt. The price for the bed was {$490.00}. He told me several times that there would be no interest until the 90 days was up, and that at that time, if I had not paid the bed off, that the interest would be pretty high. He turned the pages quickly, as he commented on what a certain page was telling me, and I signed it. He also said, " Just because you are paying {$41.00} every 2 weeks does not mean it will be paid off at the end of the 90 days. '' I laughed and said, well I would n't think it would be. While I admit that I should have been more cautious, I feel like I was not given all the information in order to make a better decision. I was not given a copy of the contract either. When I called the lender to find out my exact pay-off in XXXX, I was told it was over {$400.00}. I could not believe it. I said, but I 've paid over {$200.00} on this bed already. According to my calculations, I would have owed {$290.00} on XXXX XXXX, XXXX. It was then that I told the representative from Merchant 's Preferred that the salesman never said anything to me about interest being charged during the 90 days. What she told me was that for the first 30 days, the interest is 5 % and then each 30 days it goes up. I think I was not given all the facts about the loan, and I feel like I have been taken advantage of. I am a single woman and live alone, and I do n't have this kind of money to throw away. Is there anything you can do to help me? 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I had XXXX Bank of America checking and saving account. Someone compromised the second account I had and used it in a different state that i 've never even been to. They deposited a fake money order into my account, forging my signature and all. I got a call from letter from BOA saying saying my accounts were closed due to fraud. I explained to them what happened and they said they were n't able to help me. I now have a fraud alert on checks system and owe BOA money! This has all been very frustrating to me knowing someone stole my account info and the bank wo n't do anything to solve this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an urgent problem with the servicing of the mortgage on my property in California. ( I am living in XXXX, XXXX XXXX. ) Green Tree, which was awarded the servicing of my mortgage a few years ago, seems to have merged with a different company. I have not received a statement in 3 months. I have received no notification of the situation and no information about where my mortgage is held now. There is no online contact information for either company. 

I have continued to send my mortgage payment to the Green Tree account, so as not to trigger default problems. Payments are continuing to be received but there is no acknowledgement. Without any information about where the mortgage and who is servicing it, this now seems extremely foolhardy. 

I need : A letter from the company which is now responsible for my loan. 
Account number, address, phone number, and working Internet URL. 
I need a report confirming payments received in year 2015 and full electronic access to my account ( URL which works in XXXX XXXX. 

NOTE : Green Tree was never able/willing to give me access to my account online. 
After I complained to CFPB about not having access to my data, company was ordered, and agreed, to send me monthly statements, showing the current principal and last payment. That arrangement worked until three months ago. If notifications were posted on the Green Tree site, I obviously had no access to them. 

The new mortgage company needs to be aware of this IT problem at Green Tree, which cut off all electronic information outside the XXXX. 

I need this ASAP. I can not continue sending money to a nonexistent company which does not have an Internet presence with a phone number. 

Attached : scan of the last statement I got from the Green Tree mortgage company. 
My account number and address information are there. 

Thank you so much for your assistance. 

XXXX XXXX XXXXXXXXXXXX DETAILS According to this source XXXX Green Tree does not exist anymore. Its listing Green Tree Servicing XXXX XXXX XXXX XXXX Mortgage Services https : //www.greentreeservicing.com/ brings brings blank on XXXX search. ( That 's in XXXX XXXX. 

By searching complaint groups ' sites, I have found that the presumed successor company is Ditech, but their site is also unavailable : https : //www.ditech.com/ " This webpage is not available '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My social security card and permit were stolen. I had filed the police report with a lack of support. This year someone has been trying to open cards and cell phone services using my information. I do not know what other steps I should take. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I took out a loan to pay off several Credit cards, XXXX of them being Citi and Citi XXXX. I have XXXX Citi cards and XXXX Citi XXXX card. I was going to payoff XXXX of the Citi Credit cards and the Citi XXXX and just have the Citi Credit card. The checks were mailed out on XXXX, XXXX. The XXXX Citi Credit Card was paid off XXXX XXXX, I kept waiting for the XXXX card to be paid off, and kept getting calls for late payments. when I checked the XXXX Credit card., it had a credit of over XXXX the check written to CITI XXXX was used to pay the card I intended to keep open. I have had numerous calls to Citi to get this resolved, I never get to speak with the same person, I spoke with Citi around the XXXX of XXXX..to let them know of the error that was made.and was told that they would investigate and let me know in 5-7 days. When I had n't heard anything, I called again on the XXXX I was put on a conference call with Citi, Citi XXXX and the bank to verify the check had cleared and written to CITI XXXX, which was verified, I was told by a Citi supervisor named XXXX, that he would take care of it within 5-7 days. This past Monday I had n't anything so I called again I asked to speak with XXXX, and got a supervisor form Maryland, who said she could see all the calls that have been made, and that XXXX did n't follow through, she was going to expedite and would call me on Friday the XXXX. she had said that she hoped that everything would be fixed, but with the holiday, may not be resolved, but she would call. Well no call .... My wife has been emailing also so we have a record. Today we received an email that we would receive a letter within 30 days detailing the results of the investigation. Meanwhile, Citi health is calling and emailing wanting a payment 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a address for : XXXX XXXX XXXX, MI XXXX However this address does not belong to me or have I ever lived there. This is a home to my father and mother and my father and I have the same name, but i have no ties to this property. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I make regular payments to my student loan. The loan was originally made through XXXX, but has since been bought by MOHELA. All payments I make to MOHELA, whether they are over the amount due or in advance of the due date, are applied to interest in their entirety. Not XXXX is applied to the outstanding principal balance. I have attached a statement for reference. 
Thank You 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing to you in the hopes that you can help. My mortgage company, BSI Financial, whom my mortgage was sold to has been causing continued harassment and grief. I am a single woman working to pay my house off and this company 's only mission seems to be to continue to make it more and more difficult to do this. I came to the end of a loan modification beginning 2015 and my mortgage became at an adjustable rate. I had been making payments of XXXX and now my payments are at XXXX a month. As this lump sum was difficult to make by the first of every month I called them and asked if we could break the payments into XXXX each month and was advised that this would not be a good idea, therefore I am only able to make the payments by the end of the month and keep in mind, each month I have and I have also attached a late fee with each payment. This is the only way that I have been able to make the payment in full each month. I, in the meantime continue to get harassing calls all month regardless of what I try to tell them about my financial situation. 

Approximately six months ago, BSI Financial calls and tells me my loan is going into foreclosure if I did n't come up with something like XXXX dollars, again, keep in mind I had been making my payment by the end of each month with the late fee attached and was up to date with my payments. When I called to inquire about this, I was told that the total of my checks had not been the correct amount and to be honest with you, the way that these bills read, I have not been able to determine what I owe each month. Therefore I simply look at the regular monthly payment on the bill with taxes and fees and add the late fee. 
Regardless of the fact that my check is there every month by the end of the month, BSI Financial is holding the check in the first week, sometimes two weeks into the month before cashing it and now, I learned that they are reporting to the credit bureaus that I have late payments on my mortgage. I have been trying of obtain a refinance on my home to get myself into a more affordable situation and not lose my home and not one bank will look at me because of this. 
Another example : I had applied for a personal loan from a company who needed to see that my home was current on mortgage payments and when they looked into it, BSI Financial was appearing online as my house being paid in full. When I call to ask about it, the response was oh, that was our mistake, we will take care of it right away. 
Currently, I just received a statement claiming I now owe XXXX and my payment is current up to the end of XXXX 2015. I have made several attempts to contact BSI Financial and am put on forever hold to the point where I have to hang up. 
I have looked this company up on the XXXX site and they are not even XXXX members. I looked up this company on the consumer affairs site and there are literally XXXX complaints with the same description of consumers confused about money owed, harassment, credit destruction. 
Can someone please help me! 
Thank you for your time, XXXX XXXX XXXXXXXXXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my credit line was reduced from XXXX to XXXX after a lump sum payment I recently made of XXXX my payment history has never been late since its inception. 

Company response: Company chooses not to provide a public response
Consumer complaint: US bank foreclosed on my home. They had tried to foreclose once before but they did not have title so they had to rescind the foreclosure and start again.US bank did not have title, XXXX had title and so after my attorney pointed out their error ( and only after my attorney threatened more legal action ) US bank rescinded the foreclosure. I asked US Bank to prove that they had the original promissory note and to show that it had transferred into their hands legally but they did not prove it. The promissory note was signed in blank without dates or notary. I had to demand during discovery that they give me the MIN report which shows the record from the XXXX data base. I finally got the MIN report which showed that the loan had gone into a trust on one document but was US bank on another.If the loan went into a trust then US bank can not foreclose only the trust has that right. US Bank had tried this before as I stated but only rescinded due to threats from my attorney. The attorney for US bank claimed that the loan did not go into a trust. I did not have enough money to continue litigation with US bank so they were able to foreclose. They did not have the right to foreclose unless they own the note and title and can prove it. How can the loan have been held by US bank and also be in a trust? US bank did not prove that they had the note or that it did not go into a trust. Why does the MIN report show a different owner of the note? US bank has not been forthright. It took me dropping out of the litigation to even get the MIN report. You can see that the promissory notes were signed in blank. US bank only lets up view their sloppy records as they do not want to incriminate themselves.They will not even give you any proof of ownership of the note when demanded in discovery. How can they be allowed to foreclose without clear proof that they own the note and have title? US bank has the funds to hire top notch attorneys and keep us in litigation until we can not fight anymore. It should be their responsibility to prove that the note is original through chain of title, transfer of funds ( purchase of note ) or some authentication before they are allowed to foreclose. US bank was NOT cooperative. US Bank was very deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: Judgment was dismissed and settled ... never should have been placed on credit report per court agreement and settlement. 

Company response: Company chooses not to provide a public response
Consumer complaint: debts were paid in full with one payment months ago and still show unpaid 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband bought me a {$25.00} netSpend gift card for my birthday in XXXX, which I had been saving until I found the right gift. When I tried to use it tonight, they refused to honor it because " it had n't been activated in time '', even though the front of the card says " good thru XXXX ''. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: COLLECTORS KEEP REPORTING COLLECTING, CALLING ETC.. ESPECIALLY AFTER CEASE AND DESIST ORDERIN PLACE SINCE 2008 SEE LETTER FROM XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did refinance with Bank of America back in early 2015. The refinance has approved and we have paid all the fees, notary fees and also singed all the closing documents with title company. We were told by the title company that the loan has funded after we carrier back the closing documents and we spend total around ( {$4500.00} on all the total costs, notaries, title insurance, wiring and others etc have done XXXX due to the mistakes they have made ). 

However, the refinanced loan never got funded and we questions about it but the bank of American told us that his boss " XXXX XXXX '' will contact us and have the leave the phone number -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX, XXXX email below : XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; Wed, XXXX XXXX, 2015 at XXXX To : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; My manager is XXXX XXXX, you can contact her at XXXX ext XXXX. Thanks -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have write a numerous emails and also phone calls ( phone call always in voice mail ). I have left a message but so far no response from them and my loan never get funded without giving reasons Thanks XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account. 

Company response: Company chooses not to provide a public response