AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We have been unsuccessful for the past 6 years to get a loan modification on our primary residence. We have been told that we are in a unique situation where our original loan from Wells Fargo Bank was funded by XXXX XXXX. When the housing market crashed, XXXX loans were bought out by XXXX, who then sold our loan to a group of investors that XXXX XXXX currently manages it for. At this time, our loan is serviced by Wells Fargo Bank for XXXX XXXX for this " unknown '' group of investors. Due to our excellent credit and lack of financial hardship, we were instructed by a home preservation specialist to apply for a FHA short refinance of which no one at both Wells Fargo and XXXX XXXX at one point acknowledged that this program ever existed. On XXXX XXXX, 2016 we reattempted to apply for the FHA Short Refinance and were informed by Wells Fargo Bank that since they are only the service provider, that they are unable to approve us for this program and we would need to seek approval from XXXX. We then contacted XXXX XXXX of which they were unable to pull up any our information because our loan is serviced by Wells Fargo Bank. The representative at XXXX XXXX attempted to assist us, but was unsuccessful. As you can see, this is a complete run around for all parties involved. We are simply seeking a loan to take us out of this adjustable loan and put us in a fixed rate loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called XXXX twice. I answered both calls and no one was on the line. The line disconnected. 
Have called 13 times in the past four days, not including the two calls listed above. These calls I did not answer. Researched number on web to find out it belonged to I.C. System, INC. 
XXXX, XXXX XXXX, MN XXXX. 
These are obviously robot calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an item from my credit report. I included all documents ( Lease agreement, rent stubs ( XXXX XXXX XXXX ), 30-Day Notice to Vacate, Collection letter ), and it still shows that I owe a debt. I have included the Credit report as well 

Company response: Company chooses not to provide a public response
Consumer complaint: After discovering this issue while trying to apply for a new mortgage, I tried the customer service numbers online. Each one was a dead end nobody seemed to know who to talk to about this issue at Wells Fargo. I closed the accounts in person and they do n't tell me that I still owe money?! I ended up going into the branch where I got some actual customer service. The lady worked with me to try and get me to talk with the correct people and actually appeared to be making progress to resolve this while I was sitting in the branch. The best customer service that I ever experienced at Wells Fargo. Before leaving, we submitted a letter to the credit department and they said that within 10 days they would resolve the issue with the credit bureaus. 9 days passed and I checked in to make sure that I could still expect the 10 days that I had been promised for this issue to be resolved. She broke the news to me that the process had n't been started since the paperwork was not transferred properly. At this point, I was up against a deadline and needed resolution immediately. It was going to be another 10 business days before I could even think about it being resolved. I spoke with a manager to see if there was anything else that could be done and spoke with one other department. The final outcome was that Wells Fargo would not admit any fault in not closing my accounts properly, not reporting to me that they believed I was late on payments, and causing my credit score to drop a substantial amount. I believe that going into a bank and talking with a banker to close accounts should be the most foolproof way to properly close accounts. This is not the case with Wells Fargo. In addition to not closing properly, there were not any phone calls made to me explaining the situation ( that they did n't properly close my accounts ) until they had already negatively reported against me. In the end, I 'm going to pay a higher interest rate on a 30 year loan over $ XXXX due to Wells Fargo 's negligence in properly closing accounts and properly contacting me when something was not up to standard on my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Invalid credit inquiry or failure to provide decision letter based on accessed credit file XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager bill. If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact XXXX. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. I have went back and forth between the credit bureaus and XXXX. The inquiry should be removed based off the response from XXXX. they were unable to access my credit report so no inquiry should have been made. XXXX case number is XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had XXXX accounts with Navy Federal that went delinquent a credit card and a consumer loan. They were charged off accounts I started making payments I paid XXXX off in XXXX XXXX and the other XXXX XXXX received paid in full letters saying my credit report was updated and it has not been. I had no knowledge that the account paid in XXXX XXXX was still showing negative on my credit report I assumed it had been updated because that is what the letter said. I have applied for credit and bought a car not knowing this was still negatively affecting my credit. I called them twice regarding the account paid off in XXXX XXXX and XXXX representative stated with attitude it will not be done right away so I informed her that this account was paid over a year it should have been updated she stated would get it over to that department and it should be handled fast forward to XXXX XXXX I pulled my credit report and both accounts are still showing charge off unpaid and is negatively affecting my credit score. I called navy federal again was put on hold speaking with different representatives they informed me it would be updated now it is the end of XXXX and neither accounts have been updated. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I requested a " free '' credit report from a website recommended by my attorney for legal proceedings. I was never warned as I proceeded through the site to obtain my free report that this action would result in an unwanted " membership '' with Experian. Experian has been charging me {$19.00} a month for " credit monitoring '' to the credit card that I used to " verify '' my identity when I ordered the original " free '' report. Experian has agreed to cancel the membership but refuse to reverse the previous charges. 

It is evident that the free credit report website redirected me to Experian and somewhere in the background I unknowingly agreed to the membership. Most likely, this membership agreement was buried in the " terms of use ''. I am so angry because this is a company that is suppose to " protect consumers '' but are actually " stealing people 's money ''. Please do something about this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a collection with RPM ( Receivables Performance Management ) agency. on XXXX XXXX XXXX I paid off me monthly payment and got the conformation email from them, but still in XXXX it is in my credit report, I tried to call them and find out about the issue, but all the time when they ask my firs and last name the hang up the phone. I called the XXXX the company that sent my bill to the collection agency, they said I am good in their system and I have to talk to the collection agency. I am not able to talk to them and solve my problem and my credit is awful. I can not even rent an apartment because of that. would you please advice. 
best regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is an official complaint against State Bridge Company for threatening me with foreclosure action without providing me with requests for full disclosure, validation of debt and opportunity to be considered for a loan modification or a principal reduction.. State Bridge Company has failed to answer my specific questions pertaining to the mortgage transaction. In addition, State Bridge and home Inspection Company has interfered with my contractors by unlawful entry and missing construction equipment. 

Rather than truly discussing options, especially a principal reduction that would be conducive to my current income and financial circumstances, this servicer appears to be only and solely interested in foreclosing against my property on XX/XX/2016, Rather than allowing me to retain the mitigation services of XXXX XXXX XXXX, State Bride Company chooses foreclosure as an ultimate remedy ... 

Even with the recent assignment from XXXX XXXX XXXX, XXXX to a State Bridge Company, there has been no effective follow-up on any of the issues or specific questions addressed in several attached communications. Moreover, this servicer has failed to disclose a valid Power of Attorney to perfect any foreclosure action on the property. Throughout my correspondence experience with State Bridge Company, this servicer responds in vague, fictitious, misleading and deceptive language. Furthermore, State Bridge Company has failed to direct me to a specific person of contact in order to resolve any mortgage issues. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My home loan servicer ( mortgage holder ), Bank of America, will not comply with assisting me with a home loan modification, and/or mortgage assistance as prescribed by them ( and on their website ). I was denied a modification because of a previous modification and I was denied a forbearance with no explanation. XXXX options are listed on their website as available resources/options for clients in need of mortgage assistance, like my situation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had fraudulent activity on my credit card from Bank of America XX/XX/XXXX. When I reached out to them, they asked if I ever shopped with the specific merchant. I told the truth and informed them I have shopped with them but I was not present on those transaction dates and I never made or authorise those purchases. They said because of that reason it would be a dispute, which is not correct. During the dispute, they sent to me the receipts from the merchant. I told them again I was never there to make those purchases on that day and the receipts the merchant provided where not my signature. They went ahead and finally pursued it as fraud-which they should have done in the first place. They told me I was " XXXX not liable for the charges '' and they will continue to do their investigation. After awhile, they came back and put the fraud charges back into my account. When I asked them why, they informed me because I have shopped with that merchant before it is not fraud. I work in credit cards for another group and this is ridiculous! I even had another card compromised for the same dates and same exact charges from the same merchant. The other credit card company took care of my needs right away as fraud. I never shopped with the merchant on those dates nor signed those receipts and I told Bank of America they needed to pursue with the fraud case again. They told me they would not. I went ahead and closed the account and told them I will not pay anything. They continue to send me notices of payment dues. I do not want this to end up being sent to the credit bureau when I have fraud charges on my account not taken care of. I 'm pleading to ask what I can do to have this matter handled correctly. Thank you for you help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our mortgage was sold to Green Tree XX/XX/XXXX, which recently merged/rebranded with ditech. On XX/XX/XXXX I received a phone call from a gentleman at ditech informing me that I owe {$27.00}. I asked how and why as I have made the same payment for months now. He indicated that the escrow account had been recalculated and increased. I asked him to send a copy of the escrow statement, as I do n't have any notification of a recalculation, and once received I would pay it. I have one letter indicating that the mortgage rate would increase and that there was a new amount, which I have been paying on time each month since. After that letter was received, it seems the escrow account was recalculated, but I never received any notification of such or what the new payment should be, thus a {$27.00} differential. When we initially set up our account online with Green Tree, I elected to be a paperless account. They then proceeded to send mail to my address, which was returned by the Post Office. This triggered them to deactivate our online account, meaning they will not upload monthly statements or any documents to our online account any longer. I called back to the Customer Support line on XX/XX/XXXX to request all past statements from XX/XX/XXXX to current. I was told they can not send copies of monthly statements because they do n't have them. They went on to say if they were mailed and the mail was returned there is nothing to post to the online account, thus they have nothing on file. Of course, I elected to be a paperless account so nothing should be mailed to me. XX/XX/XXXX, I was informed that monthly statements are a courtesy only and that they are not required to produce them. It is interesting that I receive weekly refinance solicitations from ditech, however no monthly statements can be produced and posted to our online account. I have to wonder if once you elect to be a paperless account, they purposefully mail you advertisements and if they are returned they cease communications of all monthly statements/escrow reports which can put a homeowner in jeopardy financially. This lacks a great deal of transparency. 
*Mailing address was changed XX/XX/XXXX and should not be the same as property address. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Fraudulent charge on account, was reported, not removed, and billing continued, along with interest rate. We have repeatedly requested the charge be removed and the account closed. The owner of the account is in XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We have filled a complaint in regard of a check that we sent to Shellpoint Mortgage servicing that has cashed by Shellpoint and did n't posted to our account. After the complaint, they resolved the problem as well as brought back the overcharging for the escrow funds. 
When we received the reply correspondence, we wrote Shellpoint back for more clarification about three ( 3 ) months mortgage due the letter has stated. While we were waiting for the final dispute or the clarification answer the case has closed. As we receive the correspondence last week on XX/XX/2016 there are XXXX fees that we needed to dispute. Therefore, we have to submit this new complaint. 
1-Shellpoint has charged us {$220.00} late fees. While, they are one who made the mistake or intentionally not posted the funds to our account to generate late fees. We requested that the {$220.00} late fees should wave in our account. 
2-Shellpoint has charged to our account {$2200.00} JUNK FEES " as other fee '' We ask for those illegal fees should be removed to our mortgage account. In the meantime, as of now our account is showing past due for {$8100.00}. while we 'll wait for Shellpoint to resolve the issue, we are going to make a payment arrangement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX loans with Bank of America. They were originally VA loans via Countrywide. BOA handles the servicing of the loans. Shortly after taking over the loan from CW, BOA began adding escrow reserve to my escrow account. My loan does not require me to use escrow servicing, it 's voluntary. Upon adding escrow reserve, BOA raised my minimum pmt. While paying the correct amount, BOA began to claim my payment was short of full. This lead to payments being considered late, late fees, etc. 

Additionally, BOA 's escrow servicing has repeatedly paid insurance to XXXX incorrectly. Payment from XXXX property made to a wrong XXXX. This lead to overpayment to XXXX and a refund to me ; meanwhile leaving the unpaid insurance account short ( as it was never properly paid ). This lead to a repeat of all said above in late fees, etc. 

Most recently, they began foreclosure proceedings on one of my rental properties. This despite having record of sufficient payment made each and every month. The first trustee called off the sale and sent the file back to BOA after I provided them my records. Now a new trustee has been appointed and they 've postponed the sale to review my information. I 'm quite tired of this continual process. 

I have a file XXXX '' thick of letters sent to BOA with minimal response and never any serious attempt at resolution. In my paperwork sent to BOA is included a spread sheet displaying all loans, payments for each year with taxes and insurance and my payments. It quite clearly shows that I 've paid more than was required. Despite this, they have each loan in error and it 's a complete mess. 

This is not the first occasion. In 2009, BOA admitted wrongdoing of all the above and corrected my accounting and all was set current. However, shortly thereafter the whole process began again. 

I 'm not sure if it is a predatory business practice or not, but I 'm sure I 'm not the only one experiencing this. My credit has been ruined and I 've been unable to close on transactions and lost hundreds of thousands of dollars. 

I 've pleaded with BOA to have someone at high level work through the file and find resolution. No success. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a computer at XXXX XXXX and the salesperson suggested putting the purchase on an Office Depot credit card because there would be no interest for XXXX months. I opened the card at the same time as the purchase. The paperwork that came with the purchase clearly states that purchases over {$290.00} qualified for the promotion ( which my purchase was ) and so did the paperwork that came with the physical card that was mailed to me. I amortized the amount of the purchase over the six months and set my account to autopay the correct amount each month. While reviewing my account I noticed that I was being charged interest on the purchase, contrary to what my paperwork says. I contacted the credit card company ( CitiBank ) and they informed me that I needed to take my issue up with Office Depot. I contacted the manager at Office Depot and he tried to resolve the issue with the card but was unsuccessful. The credit card company is refusing to honor the promotion of zero interest for six months that was advertised in the store and on the paperwork that came with the card. The Office Depot manager offered to pay me the interest in cash, but that is beside the point. The credit card company has clearly charged me interest that it was not supposed based on the promotion advertised at the time of purchase. I doubt I am only person that this has happened too. 

Company response: Company chooses not to provide a public response
Consumer complaint: Claiming a higher value than was verbally given by the apartment management. As well as a debt that I have never seen or been informed that was to be paid. They continue to harsh and call without sending any follow up documentation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Upon acquiring my mortgage loan, SLS loan Servicing contacted me two months later stating my escrow account was short over XXXX dollars, and they would need to raise my payment in order to make up the difference. A representative on the phone told me it was law that SLS needed to have the surplus in escrow, which it is not. As a result my payment was raised for a year. 
Just today, XXXX/XXXX/2016, I received a letter of collection from SLS loan servicing stating they have no proof of homeowner 's hazard insurance. My policy renews automatically, and they stated in the letter they are billing me for the insurance they had to purchase for approximately XXXX dollars. I have had no lapse in coverage, yet their tactics allow them to claim they can purchase insurance and collect from me due to their disorganization. This is simply unethical, and fraudulent, as they have my homeowner 's policy information on file to very. Additionally, they never contacted me until now that they did not have new coverage info. According to their correspondence, I can update my information via their website, which is consistently down and unavailable. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: HOLLOWAY CREDIT SOLUTIONS IS REPORTING ON MY XXXX CREDIT REPORT, AN ACCOUNT FOR XXXX UNIVERSITY. THE AMOUNT THEY LIST ON MY CREDIT REPORT IS FOR {$1100.00}. I DISPUTE THIS AMOUNT FULLY. THEY ARE ILLEGALLY ATTEMPTING TO CHARGE A COLLECTION FEE ( I BELIEVE FOR {$230.00} ) ON THIS ACCOUNT. I HAVE NEVER SIGNED ANY DOCUMENT STATING THAT I WOULD PAY A SPECIFIC AMOUNT FOR A COLLECTION FEE. THIS COLLECTION FEE NEEDS TO BE REMOVED. ATTEMPTING TO COLLECT A FEE WITHOUT PRIOR, MUTUAL AGREEMENT OF THE COLLECTION AMOUNT, IS ILLEGAL IN THE STATE OF ALABAMA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice from Credit Collection Services for a debt that I do not owe. It claims it is for a cancelled account with XXXX, a company with whom I have never had a relationship. The letter gives many directions on how to pay but does not mention how to dispute or even that I am able to dispute/request validation. 

Company response: Company believes the complaint is the result of a misunderstanding