AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I live in a condo building and every year my mortgage provider XXXX Envoy Mortgage XXXX sends me a letter that says I have to provide evidence of my condo buildings master homeowners insurance policy. The first year I found the letter oddly worded so it was not obvious to me what they needed me to do but now know they need something from my condo association. But this year, the very first letter they sent said they had already purchased coverage on my behalf with little information on why or for how much. When I called the customer service line to try to figure out what was going on I realized it was the usual request for proof of master policy coverage and I explained I did n't understand why I am being sent a threatening letter saying they purchased insurance on my behalf. The woman on the phone kept saying that the letter was CFPB approved but also confirmed this was the first request letter. I told her the letter may be CFPB approved to send at some point but it makes no sense to send me a threatening letter saying they bought coverage on my behalf without even requesting proof of coverage, that I have to request from my condo board. I also said that CFPB likely approved the letter to be sent in specific circumstances and I really doubt that the first request for proof of coverage was XXXX of them. By the end she did seem to get that the aggressively worded letter was not appropriate and said she was going to research this. However, since every year this process is way more difficult and time consuming than it needs to be I would really like someone to confirm that the letters they are sending are approved. I find them not particularly straight-forward with what they need since I also have a personal home owners policy and, most recently, unnecessarily threatening. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For the last few years I have attempted to pay this debt and get more information. The debt amount is always different each time I call. The manager refuses to send me more information on this increasing amount of debt on my credit report. I made my last attempt to take care of these items on my credit report from the same debt collector. On XXXX/XXXX/XXXX at XXXX : I called and asked to speak to a manager. XXXX claimed to be the manager. I asked her for more information on this money that I owe of XXXX or XXXX. XXXX quoted " XXXX, '' and stated that she could not give me information. She stated I owed XXXX+ dollars and not the XXXX, XXXX dollar charges on my experian credit report. I told her that I want to take care of this but I ca n't pay XXXX dollars to Commercial Trade Bureau if I do n't know what its for! She told me she recalled me calling before and the answer is still the same that she ca n't give me any information on the account. She is rude and unprofessional when I asked for her last name she hung up on me! I got no information. I have been disputing this for the few years and it 's still on my credit report. The information is conflicting with the XXXX credit bureau, the commercial trade and what I have. This is suppose to fall off XXXX XXXX but now XXXX is stating that it was pushed back to XXXX XXXX. I ca n't get any information from the original holder at the clinic. XXXX mocked me and stated that she does n't care that " it will just stay on my credit report '' I have no Idea why I owe XXXX dollars to this company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Over the course of the last five years, we made a number of purchases on our XXXX Home Depot credit cards. There were several times we got an offer of zero interest for two years, but, to my knowledge, we never signed up. This last month, we were just charged a lump sum of over {$8800.00}. on our XXXX accounts for two years ' interest on the entire balance ( previously about {$11000.00} ). 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX the Internal Revenue Service filed another a lien against my personal estate, XXXX # XXXX in the XXXX XXXX register of deeds office. The lien was satisfied XX/XX/XXXX. TransUnion credit reporting agency says they will not delete this account until XX/XX/XXXX.Transunion feel it should stay on my report until then because it was not satisfied until XX/XX/XXXX and they are acting on the date it was satisfied and not on the original filing date of the lien. The date of deletion for this file should be XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I took out a loan at spot loan for {$300.00} and I now owe them over {$800.00} ( interest rate ) I was in a financial hardship with my son being sick and needing bills paid. My due date for payment is coming up on XXXX XXXX 2015.. I have recently lost my job. What can I do pls help!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A few days ago I damaged my card. No lost the card but damaged the card. I immediately login to my account and made a reporting of the situation. Per the agreement there is no charge for the Damaged card. I sent the Financial Institution a online message stating where is the card and when was it processed. I then noticed today after login in that there was a BAIT and SWITCH regarding the TERMS. This seems to be a pattern regarding this Financial Institution and their methods. I ask that the money is returned asap. As this is considered THEFT. If not returned I will be forced to file suit regarding the Unauthorized Debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing my loan modification request for relief. I have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied me help and I never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of my file amongst each other just to create motion and delays. I intend to keep my home and I meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure without attempting to find workout relief options for me. They have mishandled my documents and my file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out onto the streets. they have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed foreclosure trustee named XXXX XXXX XXXX, and XXXX XXXX to illegally start foreclosure on my property. 
The Wells Fargo and know your rights website gave the result that I am eligible for a loan modification with the lower payment to save my property. So there is no reason why Wells Fargo should have denied my request or started foreclosure on my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re : Consumer Financial Protection Bureau Case No. XXXX In Case Of Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXThis message will confirm receipt of Consumer Financial Protection Bureau, and in response to Trans Union LLC sent to Consumer Financial Protection Bureau in reference to Case No. XXXX, and continued dispute with Trans Union LLC that the information in my credit report is not accurate ( the account is not mine ) that references " XXXX XXXX Formerly XXXX # XXXX '' and should not be in my credit file, please delete at once. 

Additionally, attached, please find photocopies of verifying documentation in support of Case No. XXXX, which I am providing the following information and accompanying evidence so that Trans Union LLC can correct my credit file : XXXX Statement dated XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX ; and XXXX XXXX and XXXX XXXX -- XXXX Pay dated XXXX XXXX, XXXX. 

I recently discovered the proper and correct address that governs the taxable that XXXX residence premises evidenced by official records maintained by XXXX XXXX revenue authority and the agency that issued and approved the final occupancy permit certificate number XXXX, and final approved building/zoning certificate number XXXX on XXXX XXXX, XXXX, in connection with tax map identification numbers beginning with XXXX and XXXX ; and " Parent '' parcel identification number beginning with XXXX. Accordingly, expunge at once any reference regarding all created variations of the situs address that does not exactly match the address ( that is the situs address ) identified on final occupancy permit certificate number XXXX and final approved building/zoning certificate number XXXX. 
This negative mark is damaging my credit and my reputation. Please delete the information referencing " XXXX XXXX Formerly XXXX # XXXX '' at once and issue me and anyone who has requested a copy of my credit report with the previous six months or within the previous two years if requested for employment purposes a new credit report. 

I certify the information provided is true and accurate to the best of my knowledge and belief, which is also germane to the following land parcel data : Sincerely, I am /sXXXX XXXX XXXX on behalf XXXX XXXX XXXX Without XXXX, United States XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: URGENT - SHERIFF SALE ON XXXX XXXXHi. I went for a loan modification with Wells, Fargo Home Mortgage and submitted all my documentation in a timely manner on XXXX XXXX, 2015. 
I was called at the end of XXXX XXXX I still have the call on my cell phone ) by Wells, Fargo and was told my loan was turned down because is was over {$720000.00}. 
XXXX XXXX knew my loan was {$900000.00} in XXXX! 
I called and spoke to XXXX XXXX. She said the loan was turned down because I did not submit profit and loss statements for my realty company. I do n't have a realty company and was never notified that she needed a document! I explained the phone call I received the day prior and she said I was grandfathered. There was some new regulation that just came out in XXXX. I tried to look this up and there is nothing on the internet. So, this is XXXX different answers to the denial. Both are not relevant. 
Then I got a letter from XXXX XXXX saying she would like to help me, but it is to late due to the sheriff sale. How can this happen? 
Yesterday, I talked to XXXX XXXX who said he is investigating the matter. 
He said he had until XXXX XXXX to investigate but would hurry it up due to the sale on Tuesday. There is a huge problem because I do n't know if he can investigate this prior to the sale. There is not enough time! Why do n't they pick up the phone and call their lawyers XXXX, XXXX and postpone the sale so they have the time to investigate this properly. I can not sleep and am down to XXXX pounds due to the XXXX and XXXX this bank has put me through. XXXX ( {$20.00} XXXX ) and have never seen such consumer fraud. 
Please help me. There are only XXXX business days left until the sheriff sale. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from my credit card company ( Barclays ) advising me that my credit limit had been reduced based on a report from transunion. I contacted the cc company and advised them that I had never missed a payment or had any issues with this card and I do n't understand why my limit was decreased. I was told that XXXX sends recommendations to the cc company and the decisions are made by computers not by humans and that there was nothing that I could do about it. I am filing this complaint because this is abuse by the credit reporting agencies. This decrease resulted in the lowering of my credit score because my available credit was reduced. I think that the credit reporting agency and the cc company have harmed me. The information that was provided by the credit reporting company had nothing to do with my cc and were not a result of any transaction on my cc but yet my cc limit was decreased, which in turn caused a decrease in my credit score because of the reduction of available credit. This is a combined effort of the credit reporting agency and the cc company to hurt my credit score and I do not think that this is right or fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for accounts with Ally Bank and they opened my accounts made money transfers from my origianl checking account and then blocked access to my Ally accounts and wo n't give my money back. They say they could n't do the credit check and think I 'm fraudulent. I told them never at any time on their website did they tell me they would do a credit check and I was a victim of id theft a few years ago and froze my credit reports. They refuse to give the money back. They should never have opened accounts or transferred my money to their accounts if they could not do the credit check. And they should have advertised and told me online they do credit checks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a military servicemember XXXX in 2010. Prior to my discharge i had an auto loan through US Bank which i never missed a single payment on. After bieng XXXX my finances changed dramatically awaiting my VA benifits. I tried to work out a payment arrangment with us bank and they would not accept it. They repossed the vehicle shortly after my XXXX XXXX months or so. XXXX XXXX attempted to help us get current on the payments byt US Bank would not allow it they said our only option was to pay the balance in full. When asked why we were told because we violated the terms of the lease when we no longer had an allotment payment in place, ( which was not even an option ) We later found out that US Bank lost a lawsuit for these illegal practices but we never found out how to do anything about it. It took almost XXXX years to start getting full VA compensation and im XXXX. We have tried to contact US Bank to no avail and the remaining balance of this loan is still negative on my credit and hurting me and my family a great deal is there anything that we can do? 

Company response: Company chooses not to provide a public response
Consumer complaint: Two problems:1. My monthly statement includes, in the minimum payment amount, interest over the preceding month separately calculated on my purchase and balance transfer balances ( also cash advance balance but I have no cash advance balance ). I always pay more than the minimum payment yet my balance transfer amount sometimes increases from month to month. The minimum payment amount should indicate the interest actually charged on the balance and if I make the minimum payment the balance should not go up. 

The bank explained that the reason the minimum payment interest allows my balance transfer balance to increase even though I pay the full minimum payment every month is this : the minimum payment interest amount reflects interest calculated on a monthly basis, but the actual interest charged is calculated on a daily basis. 

2. Even though I 've paid more than the minimum payment every month since first incurring a balance transfer charge of around {$480.00} XX/XX/XXXX, now XX/XX/XXXX the balance transfer balance is still {$480.00}. In other words my balance transfer balance appears to be a virtually perpetual source of income for the bank. 

The bank should allocate any excess over minimum payment I make to my XXXX accounts based on their relative size. My balance transfer balance is XXXX of my total balance. It should get XXXX of any excess payments over the minimum I make ( and of course the minimum should include full interest charged ). 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I sent a wire transfer on the amount of XXXX from our account on Bank of America, XXXX XXXX XXXX XXXX to a company in XXXX, XXXX XXXX, XXXX Bank, dollar account. The Supplier responded to me one week later that they have no receive the money. Since then I has been in contact with bank of America, wire transfer XXXX XXXX XXXX XXXX and they say they transfer the money to XXXX, but XXXX have not received. I ask for the money to be returned. Nothing have happening and they tell me that XXXX have answer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a dispute complaint about 45 days ago, and nothing changed on my report these acct has been sold to different collection co. for over 7 years they are not mine, im XXXX did n't knowall this was going on in my report, I know I had id thieft XX/XX/XXXX I 've been in an out of hospital I want my credit back and make it rightht they all are small amount I do n't have money to pay for something that 's not mine 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I went outside to check my mailbox and I noticed a manila envelop hanging on my door with a note to call BOA XXXX Bank of America XXXX immediately. I had been home all day and no one knocked on my door or rung my doorbell. So, I called. I did not get the name of young lady I was speaking with but she was very condescending. 
BOA was contacting me regarding my XXXX payment .... My payments are due on the first, I have until the XXXX, so my payment ( at that time ) was only 3 days late. I tried to explain to her that I was waiting on my next paycheck to be able to make a full payment. She wanted me to obligate myself to a specific date and I told her I would not do that. She preceded to let me know that BOA could move forward with foreclosure on my house if I did n't make some sort of payment arrangement. I told her that I was not even a full month late but she firmly stated that if I did n't make some type of arrangement with them, foreclosure was the next step. I did n't understand how that could be possible due to the fact that I was not ( am not XXXX an entire month late with my mortgage and it is paid up until XXXX. 
I did not make a payment arrangement but I did agree to let her send me out some type of package with information to complete to see what can be done to keep my house from going into foreclosure. 
Once again, I am not even a full month late and BOA is threaten me with foreclosure. How is this possible. It is my understanding that a mortgage company can go forward with a foreclosure unless a person is 120 days late on their mortgage. How can BOA do this??? 

Company response: Company chooses not to provide a public response
Consumer complaint: Greentree merged with Ditech. We received a statement in the mail from Ditech ( we have an XXXX loan and the XXXX is with Ditech XXXX. We have tried calling their customer service on XXXX different occasions as we need a statement of the last 12 months of transactions. We tried to create an account online but it is saying it does n't recognize that account number. Every time we call the customer service number we get a different answer ... .they ca n't find our account but do n't know why we ca n't access it online. On several occasions they say they ca n't find our loan based upon the Loan number they gave us nor the social security number and address tied to the account. Either this company hires incompetent employees or they are shady ... .I am leaning more towards shady. Is n't it our right to access our account information? Are n't we entitled to get this information when requested. I would also like to mention that this account is and has always been in good standing. If they ca n't find us when we call, how can we be sure they are applying our payments correctly? 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement, 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I accessed MY credit reports from the XXXX credit bureaus and found a credit card account which was opened at XXXX in the name of XXXX XXXX XXXX, my mother showing as " Open ''. My mother passed away on XX/XX/XXXX and as the " Personal Representative '' of the estate I contacted XXXX who services the account under the name of " Elan Financial '' credit card of her death via written correspondence dated XX/XX/XXXX and XX/XX/XXXX providing them copies of her death certificate and the " Letter of Administration '' from the XXXX XXXX Maryland Register of Wills Office. I contacted XXXX on XX/XX/XXXX and after numerous attempts to actually speak to someone in the Internal Collections Department I finally reached a representative to whom I provided the above information as well as my complaint that this account was even on MY credit bureau records but more importantly that the account had been paid in full in XX/XX/XXXX and at least should have shown as " Closed ''. I further advised her I had received correspondence dated XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX Reference Number XXXX who was acting as the collection department for Elan Financial confirming that the account was settled and that Elan Financial would be filing a XXXX with the IRS. She stated that she had no record of receiving any information naming me as the estate representative and could not discuss the account details over the phone. I advised her they had been provide to XXXX XXXX XXXX already and i would not send them again. She further stated I would have to sent written requests for the matter to be considered and she was unable to help me. I stated that the complaint was false information on MY credit reports and saw no reason that they were unable and unwilling to access the account in question without discussing it with me and find the account was closed and to notify all three credit bureaus of that fact. Again she stated she would do nothing unless I made written requests. 

Company response: Company chooses not to provide a public response
Consumer complaint: Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$1600.00} XXXX for a regular payment due of {$1500.00} + an additional principal payment of {$86.00} XXXX, well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$1600.00} payment is noted as " {$1500.00} payment posted '', a {$67.00} late fee was charged, the additional principal of {$86.00} was not noted, and my account was charged for XXXX property inspection fees of {$15.00} and {$3.00}. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period, and why was I charged those XXXX property inspection fees? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$1600.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''. 

Company response: Company chooses not to provide a public response