AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have an interest only loan with Bank of America that is going to re-ammoritize to a XXXX year loan. My house was hit by Hurricane XXXX and has lost a significant amount of value in addition to the housing market taking a fall. My loan is not HARP eligible which would have allowed me to refinance without an appraisal thus getting out of the high risk loan I am in now. When calling Bank of America they told me they do not have an in house HARP loan that would allow me to refinance or adjust my loan for a fee. My only options from what they said is to modify the loan. In order to do so I will go on a " trial '' payment for XXXX months. For those XXXX months they report my mortgage as late. I have worked my entire life to maintain impeccable credit. This will be devastating to my credit score. My only options beyond that are to try to sell it as a short sale or foreclose. I prefer to work within the system, I understand it is not their fault my home lost value. I just want to be able to refinance for a lower rate to make the payment more affordable. They are not willing to help. I am hoping for some advice. I have an NMLS number and have taken continuing ed. In one of the statements from the CFPB it encourages banks to refinance high risk loans with limited documentation. How do I get them to do that without affecting my credit negatively? Thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted my mortgage company and asked to be placed in on some type repayment plan. however I was turned down XXXX. I have been asking for assistance since XX/XX/XXXX when the loan was not as delinquent as it is now!! I spoke with a representative in the later part of XX/XX/XXXX in efforts to still save my home before falling victim to a last resort of filing Chapter XXXX order of protection. I am now being told I qualify for a repayment plan within the loss mitigation department ... REALLY!!!!!???? WHERE WAS THIS PALN WHEN WAS ASKING FOR ASSITANCE IN XX/XX/XXXX WHEN THE DELINQUENT AMOUNT WASNT SO HIGH. The reps only answer is she does n't know and this is a plan we offer within our collections department. 

Company response: Company chooses not to provide a public response
Consumer complaint: Convergent XXXX XXXX reported a collection on my credit report, supposedly myself owing XXXX a balance from an old account, account number XXXX. I received a letter from Convergent, also attached to this email, dated XXXX claiming the debt. I responded to the claim, with the copy of the equipment return, showing a {$0.00} balance from that account on XXXX. Convergent nor XXXX had contacted me before the date of the letter from Convergent claiming the debt. However, prior to receiving this XXXX letter from Convergent, the collection was on my credit report. Convergent was in direct violation of the FDCPA and FCRA laws. Those laws state that I have 30 days from the date of the letter, which was received 7 days after the date of the letter. I immediately responded to convergent with the proof of no debt owed to XXXX, and my complaint that they did in fact violate laws by reporting the collection prior to my 30 day response period, and by not providing verification properly, specifically FCRA, 611.B.iii, showing and describing the process, person and accuracy of the debt, NOT a printout of a " supposed '' invioce. I sent the dispute to Equifax, which failed also to properly and legally verify the process and person and true verification of the supposed debt. The " supposed '' invoice and collection amount is only {$130.00}. Which had I been contacted by XXXX or even Convergent, PRIOR to and in accordance with the FCRA laws of the " 30 day '' period they are required to allow the " debtor '', this would have never become a collection account. I have provided proof to Equifax and Convergent of their viloation of my rights and the FCRA laws, and neither company removes the falsehoods of this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Performance Recovery levy my payroll. I wrote them a letter indicating that i do not owe them any money, nevertheless, requested that they submit to me signed copy of the contract, cancelled checks, and any other documents that might indicate that Iinitiated this loan. As indicated to them the federal law suggests that they should respond back to me within 30 days. They did not respond back, instead, a new levy was sent to my employer to continue the levy. this is causing a financial burden. My employer indicated that they do not know there is a federa law that protect the consumer. 


XXXX XXXXPerformant Recovery, XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX I received a garnishment from my employer, concerning a debt from you. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Provide me with factual evidence that I have any legal obligation to pay you. 
Please provide me with the following ; *What the money you say I owe is far*Provide me with copies of any judgment if applicable*Explain and show me how you calculated what you say I owe*Identify the original creditor*Prove the status of limitation have not expired on the account*Show me that you are licensed to collect in my state ; and*Provide me with your license numbers and Registered Agent. 
You should also be aware that sending unsubstantiated demands for payment through the XXXX Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: A physician has billed us for services we did not authorize and after non payment they have sent this to collections -- when we request verification by collection agency we are sent the bill. We have informed the credit agency that the bill is unpaid because we did not authorize the service. They then referred us to the physician whom we also requested verification of our authorization and none is provided. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i was charged XXXX in overdraft fees for XXXX transactions ( totalling {$20.00} for all XXXX ) due to the banks ATM machine not accepting my cash deposit. I was basically called a liar and advised that people before and after me were able to make cash and check depositis without any problem. I told them they should check the video footage then and they 'd see i had a problem. waiver request was denied. i did n't have access to the internet to do an electronic transfer and the ATM that i knew of ... i would n't have made it there by the XXXX cutoff. 

Company response: Company chooses not to provide a public response
Consumer complaint: I, XXXX XXXX, with SS # *********** was sued by XXXX XXXX from Persolve, LLC, XXXX Account Resolution Associates, XXXX, located on XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on behalf of XXXX XXXX for a Credit Card Debt that belong to me but was compromised on Identity theft together with other account that were corrected at the time by the creditors by following video survelliance proving that my Credit cards were used by another individual different than me. Other credit card companies were willing to do their own investigation and concluded in effected that it was not me using the credit card and by also looking at my history proven that i would n't of never used my credit card to that extend. I initialy was contact by XXXX XXXX requiring for me to pay for those transactions, during several comunications with them, I told the Credit Card company that I was victim of Identity theft and therefore that debt did not belong to me. In the beginnig I tried to keep my credit card in good standing by making my payments but they did not want to investigate the transaction in dispute and took legal process againts me. When it came to the legal lawsuit, they did not serve papers on time for me to appear to court, summons were served after the fact and did not give me the chance to respond. Now a lien is place on my property which is totally wrong. I follow the chain of command, I do n't understand how the other Credit Card that were also compromised were willing to investigated and XXXX XXXX just refused to and proceeded with a legal action that is impacting negatively in my Credit that I had work so hard for all this years. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I fell behind in my Credit cards payments as a result of medical issues that have caused issues in with my budget. I was contacted by Bank of American and agreed to a payment plan in XX/XX/XXXX. I was told by the Bank representative that if I made three months worth of payments that my account would re-age and I would be able to return to regular payments however I would be charge a late fee as a result of my payment still being behind for the next three months and my account would reported as late to the credit bureau. I was also told to call each month after the agreed payment was made. Since XX/XX/XXXX I have made the payments each month and called each month since only to be told SOMETHING DIFFERENT each time by representatives from Bank of American. It is almost XX/XX/XXXX and still my account is being charged a {$35.00} late fee and my account is still being recorded as late and that is being reflected on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha XXXX filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my car through XXXX Byrider in XXXX 2013, financing it through CNAC. Immediately after purchasing the car the engine light came on. I did take the car to them to fix and had to pay for some of the repairs. The warranty does not last on the car and as soon as the warranty expired did the many problems arise. I believe this company takes advantage of customers with poor credit by giving them cars that has many hidden problems while giving them huge bi weekly payments ( I pay almost {$500.00} a month ). I just got my car back from the mechanic about two weeks ago and he had it for almost a month. That means I had no way back and forth to work while still trying to keep up with my payments. The car has so many problems it is just a matter of time before it is undrivable XXXX again. 
When completing the application for the vehicle, I gave them a list of people to contact as a reference and another short list to contact in case they are unable to contact me. Currently my car payment is four days late, I told XXXX Byrider that I will make my payment on Friday as soon as I get paid. They are contacting my references telling them that they are not able to get a hold of me which is untrue. I have the emails to prove that I am in contact with them. They are not using the list giving to them to contact if they were unable to get a hold of me. My father called me today extremely stressed getting these phone calls. I emailed my rep to let her know that my elderly father XXXX ( among so many other health issues ) and that stress is the worst thing for XXXX. I asked her why she would she contact him when we already had a discussion regarding me paying on Friday. I also informed her that he was not on the list to contact if she was not able to get a hold of me and to please not contact him again because of this. She told me that she will continue to contact him until I made my payment and would not stop unless he told her not to. It is not in my father 's nature to tell someone to stop calling him but most importantly it is against the agreement that they put forth, morally wrong, a form of harassment and elderly abuse. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am in the process of purchasing a home. I chose to do business with Quicken Loans based on their strong reputation within the mortgage industry. After starting my loan application, I received constant miscommunications, poor service, and a feeling from their team as if my business really was not important to them. I chose to withdraw my loan application, and take my business elsewhere. I chose to withdraw my loan, and the FHA case number was transferred to my new lender. Quicken had to close my loan application out in order to transfer the FHA case number, and when they did, they closed the loan as " loan denied, credit denial. '' This caused a hiccup with my new lenders underwriting team. I had to spend many hours on the phone with them explaining to them why my loan was not in fact denied, I withdrew it. At this point, I have worked through the concerns my new lender had, but on principal, my loan application should be closed based my request to withdraw my application, not " credit denial. " Quicken Loans is the biggest joke of a company I have ever had to work with, and I am certain their ratings with XXXX XXXX are forged. 

Company response: Company chooses not to provide a public response
Consumer complaint: I could not dispute because I have already got my free reports for the year but when trying to work with XXXX, I was told that XXXX XXXX had reported on my report as themselves and Cash Call which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans and then suddenly XXXX had the loan and then Cash Call is now trying to collect. It is listed double on my report. They are all the same people. I have researched this and many states are filing suits for these illegal loans where this company has been collecting from consumers in states where they were illegal and were made to refund their money back. It should not be reported XXXX with XXXX different companies asking for the same thing. I have nothing signed that says I have loans with XXXX XXXX or Cash Call, but what has happened is they are using all XXXX names to collect and finally Western Sky shut down, then XXXX XXXX, and hopefully the figure out Cash Call with the other states. Alabama is just behind but I feel like at some point it will be illegal here to. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The XXXX XXXX XXXX are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently received a credit report prior to applying for an apartment. 
In the criminal background check area there are XXXX charges that are NOT mine. 
Case Number : XXXX XXXX. 
Case Number : XXXX XXXX XXXX XXXX. 

I would like these XXXX charges taken off of my credit report asap as they are not mine. 
Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for the XXXX XXXX Visa from US Bank on XXXX XXXX, 2015. Prior to receiving my card in the mail I received an email from stating that the major benefit of the card ( a bonus award night ) would be going away. When I called US bank to see if they would waive the annual fee they said it was out of their control because XXXX XXXX was the one who made the change. I feel like this is a bait-and-switch tactic due to the fact that US Bank is still advertising the bonus award night as a benefit EXCLUSIVE to card members. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX recent files where I filed notice against Experian and invallid accounts listed on my credit report. After waiting 2 months for this to be corrected I received a credit report from Experian showing that all have been taken off. Unfortunately, today I opened my credit file and they have put everything back on. I do n't know if this is a tactic in which they make people think they followed the law and did what the law states but after you let your guard down they go back to their old bag of tricks. I REQUEST YOU PLEASE look into Experian and the following companies. XXXX XXXX is a debt that I was XXXX notified of over 20 years ago. Someone stole my identity, I did not go to college, I did not reside at the location listed when these were applied for. Not only that but the debts were removed 20 years ago and now reappeared and deleted for 30 days and put back on. Request that this be taken off. They have XXXX loans listed with account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again request removal COMPLETELY and never to be listed. Also Tranfinancial was paid even though the debtor could not verify it was mine I PAID THIS to get things correct on my file. XXXX XXXX XXXX ... debt is over 8 years old from original debtor dispute sold numerous times was removed and put back on. Also, LVNV funding although identity theft was removed and replaced again, original debt is over 8 years old, account XXXX ... ..was sold several times in over 8 years. ALL of these debts took 2 months process from XX/XX/XXXX of last year and were removed but readded. Please look into this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Fidelity Creditor Services out of XXXX Ca., has erroneously charged a debt to me stemming from a rental agreement which a relative signed and I did not. I advised them of this. However, instead of taking me out of that claim, they filed with the XXXX XXXX Superior Court a complaint against me for nearly {$5000.00}. The debt shows on my credit score and it has negatively impacted my score and my financial reputation as I have in the last 12 months refinanced my home and am about to do so again. As a result of their tactics, my FICO score went from XXXX to XXXX. This has made lenders unable to provide me with lower loan rates thus negatively financially impacting me.In addition, they have provided details about my debt to third parties without my authorization. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted about a debt on XXXX/XXXX/XXXX that I questioned the legitamacy of. The debt collector claimed I owed over {$500.00} for medical bills dating back to XXXX. I sent a certified letter asking for verification. 

On XXXX XXXX, I received a letter stating that the verified debt was {$19.00}. 

I received another call today, XXXX/XXXX/XXXX again claiming that I owe over {$500.00}. I was told they would have to verify the debt again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts? 

Company response: Company chooses not to provide a public response
Consumer complaint: On credit report XXXX, XXXX, Experian states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at 25 dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over 15, ooo dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: On credit report Transunion, XXXX, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after XXXX months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over XXXX dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since XX/XX/XXXX I do not use credit cards. 

Company response: Company chooses not to provide a public response