AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX keeps calling me in reference to a Verve Mastercard financed through Continental Finance. The representative are very rude and demanding. They threatened you with charges if you do n't pay the bill but refuse to send any documentation by mail. They demand that you give them your debit card information over the phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally had a loan with XXXX in 2004. It was taken over by XXXX XXXX XXXX and the terms were changed without my awareness. They changed the interest rate somehow, not sure what happened, but the payments went up so high I could n't afford it, so I applied for a modification. I was told the only way XXXX XXXX XXXX would not talk to me until I stopped making payments. So I stopped. After two years SPS tried to foreclose and put liens against my business. I started making payments again and was advised to file bankruptcy for the house only to stop the liens. I had to sign the modification papers before I saw the terms. This was done by Select Portfolio Servicing ( SPS ). I have n't missed a payment since. They said they had nothing to do with XXXX and XXXX said they do n't have my loan anymore. About 90 days after I signed, they sent me the terms. I had already started making payments on a slightly lower amount that I thought was fixed. I later realized that it was an adjustable that would continue to go up and they did not lower the principal at all. It was added as a balloon of $ XXXX at the end of the loan period. 

I have tried several times with attorneys to reduce the principal as they had promised with XXXX or XXXX. Neither company will help or take any responsibility. In fact they charge me {$5.00} to make payments every month. And, the payment amount keeps going up where I can not afford to make payments much longer. And, they are threatening foreclosure ever time I try to talk to them to correct the terms. An investigation was conducted by XXXX XXXX XXXX, Certified Securitization Analysis. See attached. We paid {$2500.00}. Your agency was copied. 
So now, I have a growing mortgage payment, and a balloon payment, and no relief in sight. Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My ebenefits account was compromised and changed my direct deposit from my XXXX bank account and transferred my funds to a prepaid netspend card and used this card to withdraw money from the atm XXXX, which I stay XXXX. I never authorized this transaction and would like this matter to be resolve.I also would like to NetSpend to be investigated because I followed the FTC guidelines and forward all pertinent information to them, but I got only a hard time and told that they never received my fax of my documents after I sent them numerous times.I called numerous times and requested a supervisor because the customer representatives do n't speak XXXX which I find kind of odd. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After an initial denial of a modification request based upon a job loss resulting in an income decrease of XXXX figures, Bank of America sent us a " settlement offer '' which stated unconditionally that our second mortgage of XXXX would be reduced in principle to XXXX, with resulting payments, etc, and not to accrue interest. The letter stated that it was a " settlement in full ''. There were no conditions mentioned, nor any restrictions. We contacted our " recovery analyst '' with a few questions. Would there be any pre-payment penalty? No. Were there any conditions on the settlement, including conditions on the sale of the home? No. After making these payments for 8 months, we decided that since were were no longer under water, to get a better handle on our finances we needed to sell and move into a rental home. Nearing the close of escrow, after a request from the escrow agent, B of A stated that the payoff balance was XXXX! The original XXXX, less the payments we had made since the " settlement in full ''!! They have told us that the payoff can not be paid from the proceeds of the sale of the home. This is the XXXX time this was ever told us. We spent thousands on repairs and inspections. We will now fall out of escrow. After being lied to ( It 's the law '' they told my husband. I, an attorney called back and stated I wanted the Code section on which they relied, then they stated it was probably an internal rule ). They consider this a short sale now. My request ( which would be for them to accept the XXXX, XXXX without regard to the origin of the funds, so we can sell our home, but I know this is not realistic ) is to provide better communication and information. Also, B of A has a " notice '' problem. This condition was never stated in writing, nor orally. They MUST be required to publish this information. It is a critical condition and materially affects the terms of the " full settlement '' which is not really a full settlement, more like a conditional forbearance. They have a legal problem with this, and when they get someone who has the time and patience, they will be facing another class action. What I really want now is to let our first foreclose, and let B of A get 100 % of NOTHING. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was originally with XXXX XXXX XXXX and was transferred to XXXX then recently to SLS. Once I received the notification that the loan was transferred once again, I immediately requested a loan modification package and sent in all my documentation a few weeks before the foreclosure sale. I was then contacted by SLS informing me that one page was missing an initial so I immediately faxed it over the same day. When I called to follow up the following day, I was informed from a Customer service representative that it was too late and that I would not be reviewed for a loan modification due to it being too close to the sale date. If this was the case, why did they accept the documents just a few days before instead of telling me it was too late then so I could have sought other options. I understand I am behind and am trying to do everything I can to make my payments again and get some type of foreclosure avoidance but it seems no one wants to assist me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I found a debt with XXXX on my credit report that was being reported by stellar recovery. I contacted and paid that debt with comcast on XXXX/XXXX/2015. XXXX stated that they would contact stellar recovery to have this debt reported as paid. As of today, XXXX/XXXX/2015 the account with stellar recover shows unpaid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I signed up for a load and this loan was transferred to Freedom Mortgage in XXXX 2015. 

Freedom MortgageXXXX.XXXX XXXX, IN XXXX have made over the course of the loan 12 additional principal-only payments of which only 2 had been applied correctly at the first time. All other payments were distributed as additional regular payments, splitting them intoRegular principalInterestEscrow for TaxEscrow for Insuranceonly the remaining amount was added as additional principal payment. After I noticed this the first time I was calling Freedom Mortgage to get this fixed and ask to ensure that this will not happen again. Now, 11 payments later, the issue became even worst as they now splitted the payment into 2 times a regular payment, and only applied the remainder as additional principal. 
Every single time I had to call and had to have the payments being adjusted. 
My complaint is regarding the practice used. It seems to me that they are collecting on the overpaid escrow amounts interest until the customer realizes the wrong distribution. Given my loan being not that large, extrapolated across XXXX ( if not XXXX ) customers, the money embezzled from either the customer or the banks ( how ever one looks at it ) amounts to a considerable amount. 
Based on my experience with Freedom Mortgage it seems to be done on purpose to extract as much money from each customer as possible. 
I for my part are not willing to provide loans to my mortgage company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a payment plan with Associated Bank aka Elan financial on a credit card I was behind on over 2 yrs ago. Set up XXXX a month auto deducted from checking. Have been paying for over 2 yrs. They have put 30 day late payments with all XXXX credit bureaus for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 XXXX 2015, XXXX 2015 even though XXXX is auto deducted from my checking monthly. I have contacted them. They refuse to delete. I sent them copies of my checking where this is being deducted. They still refused. I notified XXXX, they still refused to take care of this. I disputed with XXXX and XXXX ... .and Associated/ Elan told them the lates are correct even with copies of my checking where this is deducted. I need these lates removed immediately. It is hurting my credit score. I need this removed from all XXXX credit reports. They are reporting to each c bureau that I have been 30 days late for these months and then at the bottom it shows XXXX a month payments for these months. I am trying to purchase a car. Thank you for your help. 
XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a fire at our home ; received the check from the insurance company and it was made out to my name and Wells Fargo. The local branch said we had to sign the check and send it to Property Loss Dept. in Ohio, they also said that we had to furnish them with a pay off quote from the home equity dept. and sign it ; the local branch overnighted the check but we had to wait to send the letter because a payment was due so we had to wait again to submit the info so I had to call home equity again to get a pay off figure, I faxed it to property loss and they told me it takes 2 days to verify a fax! another week I called again and they told me they ca n't honor the verbal quote I need a fax from home equity dept. I 've had numerous phone calls placed and the loan is still not paid. It is XXXX XXXX and the last call was that the fax was forwarded to the dept. that will expedite this but I still do n't have answers as to when this will be paid and when we will receive the rest of our money that they are holding in an account. Can you please help us? 

Company response: Company chooses not to provide a public response
Consumer complaint: kent hollins XXXX is threatening my wages and my employeer for something that i have no idea what it is a gas station back in 2002 they are trying to get XXXX from me they are well beyond the statute of limitations XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had a situation where a tree fell on my house it was paid by the insurance all of the debt and they are still saying that I owe XXXX when I do n't owe anything this was a year ago I have contacted them recently because no one reached out o me and told me that I had a balance when it was told to me that it would be paid in full by the insurance. Even when I called them to confirm because they where saying it would n't be. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I received a telephone call from Barclay Card XXXX. They advised me by voicemail that they wanted to verify my information for a recent credit card application. They provided me with an identifying number : XXXX and a return telephone # XXXX. I have never applied to Barclay Card for a credit card. I telephoned Barclay Card and was put in touch with a security consultant. She asked for my identifying number. I gave her the number. She returned to the line and asked me for my DOB and SSN. I told her that since she had pulled up my information, she could tell me the information and I would verify if was me. She stated she could not do that. I asked to speak to a supervisor. Another female got on the telephone and basically re- invented the wheel. She told me the same information. At this point I hung up. I went into XXXX XXXX and saw that a hard credit inquiry had posted on my credit history. Earlier this year, person XXXX XXXX ) unknown had attempted to get a federal tax refund by filing a false tax return using my tax information and the IRS and FTC indicated this was an attempt at identity theft. I woul appreciate help in getting this removed from my credit report. Again, I have never applied for a Barclay Card credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Jefferson Capital Systems listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. Jefferson Capital bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. XXXX XXXX bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just found out that I have to pay off an additional student loan. XXXX XXXX XXXX ( the school that I attended from XX/XX/XXXX through XX/XX/XXXX ), made me sign documents that I had not reviewed. They said if I did not sign the paperwork that I could not graduate. I desperately wanted to graduate and get a job so I signed them. The paperwork must have been for the private PEAKS loan totaling over {$18000.00}. There was no activity on these loans while I was attending the school or after I graduated. They are seeking payment now. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This matter pertains to four issues : ( 1 ) This company has placed multiple claims in my credit report for the same item. I have disputed this and all items below a number of times without a single response from the company. The company has now sold the account, yet continues to list it as a damaging item in my credit. 
( 2 ) This company is falsyfing information about last payments to claim this needs to remain in my credit longer than it already has been. They first claimed delinquency in 2008, when contacted them about proof they were not able to provide any. 
( 3 ) This company never provided any evidence or substantiation to the amounts being reported. I engaged a lawyer to help me and this company refused to furnish any data. 
( 4 ) This company sold the alleged debt to a third party, continues to report this old item, while not being able to provide any data as to the source of this claim, dates, or any relevant information, and has not contacted me directly, rather it has called my mother and other family members and disclosed that I have a debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told by letter from Northern Trust XXXX copy attached XXXX that my home equity line would not be renewed because I do not have a minimum level of assets with Northern Trust Bank. I have had this XXXX XXXX XXXX since XXXX XXXX, 2006 XXXX copy attached ) and have always been in compliance with its ' terms. I believe I have been discriminated by Northern Trust. 

Company response: Company chooses not to provide a public response
Consumer complaint: I, XXXX XXXX, would like to submit this complaint to CFPB in hopes of finding a resolution to settling my loan modification. I started this process ( loan modification ) back in XXXX of this year with Citi Mortgage and was approved for the loan modification ; However, I am in the process of losing my approval for my loan modification because I was informed by Citi Mortagae that my ex-husband had to sign the loan modification documents because his name was on the loan. Although this is accurate, my ex-husband signed over his legal rights to the home in the divorce decree and the warranty deed is in my name. I have attempted several times to get my ex-husband to sign the necessary documents for the loan modification but he has refused to sign and as a result of this, Citi Mortgage has decided to terminate my approval for the loan modification. It would be of great plesure if someone from your team could respond with next steps on how to get this issue resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: A situation has occurred that I believe disserves attention by your bureau. 
We are in the process of purchasing a home. We have paid off all of our credit cards, a car purchased for people from XXXX and XXXX of the houses. Our loan officer has asked us to obtain letters from each of the credit cards and banks showing that we have a zero balance. 
Everyone has been very helpful except for Dillard 's XXXX Credit Card. I called this morning, requesting a letter so we can close on XXXX XXXX, 2015. My husband is having XXXX on XXXX XXXX 2015 and will not be able to lift anything for several days. We want to move a trundle bed, table and chairs, and assorted items into the house so we can go and work on the house. 
We have been married 12 years, dated for XXXX and this will be the first time we will be able to live together. We are very excited to have this happen. 
Dillard 's will only mail out the letter, I need it this week. Everyone else was able to fax or email their letters within a day or two. Dillard 's employee " XXXX '' was so rude, he just kept upsetting me more and not helpful. I asked for upper management and he put me on hold for several minutes, came back to tell me that no one was available and made me so angry with his repeating to me over and over the same information. I finally had to hang up. 
So, I went to Customer Service at Dillard 's in the XXXX XXXX XXXX in XXXX, Colorado. Asked to speak with the store manager and was told she was at lunch. They took my information and said she would call someone when she returned and then call me. I have not heard from her and it 's been two and ahalf hours. 
I have a Dillard 's XXXX card. So, while waiting I called XXXX XXXX to see if they could help. We spend several XXXX dollars with XXXX XXXX each month. We are impressed with their servcies, they are wonderful when you have an issue on a purchase. They inform me that they do n't have anything to do with Dillard 's XXXX, I think that is false advertising. Why put XXXX XXXX on the card if you ca n't access your account and then the payments are handled through Wells Fargo Bank. What a fiasco! 
I should be able to have my credit information available immediately from Dillard 's. Having to wait ten days for the letter that I have zero balance, considering the day and age we live is absurd. They are going to cause us time and money, we will have to pay for someone to help move these items, We are in our sixties and I can not lift the beds by myself. 
Whatever happened to people helping others, why ca n't this company be like everyone else and email or fax this letter to me or my loan officer? 
I really doubt that XXXX '' even sent in the request for the letter, I have no faith in anyone at Dillard 's. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent XXXX And Experian multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved out of this apartment complex in XXXX XXXX. The reason was due to the lasting effects of XXXX fires in the apartment above me. The first fire was above my kitchen area, and the second happened above the back bedroom. The events were caused by XXXX different tenants. Due to the water damage, I lost everything and was never compensated by the XXXX apartments, nor by the tenants that caused the fire. The unit I resided in became infested with roaches, and I had to get rid of all our belongings. The super, XXXX XXXX, said to me too bad you do n't have renter 's insurance. Then, I was relocated to another apartment while the repairs were done in my unit. This caused another issue ; the apartment complex wanted to charge me for the electric bill on the loaner apartment, as well as the bill in my unit. Therefore, I could not afford to pay the rent and XXXX utility bills, so the complex evicted me. XXXX apartment complex hired National credit systems to handle the collection process. This creditor has been reporting to all XXXX credit bureaus for over 7 years. I tried to resolve this issue XXXX and the following statements were communicated via XXXX processing. 
XXXX CASE # : XXXX web XXXX Case Received by XXXX XXXX Case Reviewed by XXXX XXXX EMAIL Send Acknowledgement to ConsumerXX/XX/XXXX XXXX EMAIL Notify Business of DisputeXX/XX/XXXX WEB XXXX RECEIVE BUSINESS RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you. 
XXXX/XXXX/XXXX XXXX EMAIL Forward Business response to ConsumerXX/XX/XXXX WEB XXXX CONSUMER REBUTTAL TO BUSINESS RESPONSE : ( The consumer indicated he/she DID NOT accept the response from the business. ) the company has not agreed to remove its claws from my credit report, the law states up to 7 years and not until 7 yrs has passed. i am not an indentured servant and i will not be penalized for the miserable time i spent in that apartment for another year. 
XXXX/XXXX/XXXX XXXX EMAIL Forward Consumer Rebuttal to BusinessXX/XX/XXXX WEB XXXX RECEIVED BUSINESS ' ADDITIONAL RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you. 
XXXX/XXXX/XXXX XXXX EMAIL Send Consumer Rebuttal - No New Offer - UNRESOLVEDXX/XX/XXXX Otto EMAIL Inform Business - Case Closed UNRESOLVEDXX/XX/XXXX XXXX XXXX Case Closed UNRESOLVEDXX/XX/XXXX XXXX ReOpen the ComplaintFurthermore, I am not requesting compensation for any damages or loss of personal property. I want them to simply stop harassing me via credit report inquiries, phone ( INCLUDING CELL PHONE ), or mail. I have been penalized enough, I am trying to move forward with my life. 

Company response: Company believes it acted appropriately as authorized by contract or law