AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We applied for a loan modification through Shellpoint Mortgage Servicing on XXXX/XXXX/15. We received a letter dated XXXX/XXXX/15 advising that they received the complete modification packet and it could take 30 days for a response. The letter also said that " your property would not be sent to foreclosure or if it had been started, we will not initiate a foreclosure sale. '' We received a letter dated XXXX/XXXX/15 from an attorney 's office stating we were in pre-foreclosure status. I called Shellpoint on XXXX/XXXX/15 at which time I was advised that we were denied for the modification and our only options were a repayment plan, short sale or foreclosure. We wanted to try a repayment plan however, he said there would be legal fees added in. I did n't think they should be because his letter said that it would n't be sent for foreclosure until a decision was made. He said I could send in an appeal letter disputing the legal fees being added to a repayment plan so I sent an appeal letter on XXXX/XXXX/15. I called on XXXX/XXXX/15 & XXXX/XXXX/15 and was advised it was still pending a decision in the escalation dept. We received a letter dated XXXX/XXXX/15 on XXXX/XXXX/15 from the escalation dept advising that our request for a modification would remain denied. I called on XXXX/XXXX/15 and stated that we were appealing the legal fees ; the customer service rep said he recognized that and was sending it back to the escalation dept for review. I called on XXXX/XXXX/15 checking status and to try to make a payment ; I was advised that it was still pending and that we were not " allowed '' to make a payment. I also confirmed again that foreclosure proceedings were on hold. We received a letter on XXXX/XXXX/15 from the attorney 's office advising that there is now a sheriff 's sale date for our property. I called Shellpoint on XXXX/XXXX/15 and he said the decision was still pending. He also said that the " sheriff 's sale was n't until XXXX/XXXX/15 so we should have a response from the escalation dept by then. '' I asked why there was n't a hold on it and he could n't say. I called the attorney 's office right after and she said there was no hold on our file. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Repeated calls to a number that is not mine, and I have asked them to remove the number from the file. I offered a different number that they could call daily if needed. This company rep stated on voice mails that " A file with your social security number attached is in our office. If you do not contact us you will no longer be allowed to use your bank. '' Also they threatened legal action. When I mentioned that I was going to file a complaint, they said they would no longer give me any written documentation and that they would see me in court. I offered to make a payment plan, but was told that would cost an additional {$5.00} in " processing fees '' per month. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX l received a package letter from the Bank of America (XXXX) stating the my Loan modification paperwork was not filed correctly and needed to be refiled and upon completion a check in the amount of $XXXX will be given to me after signing their new Loan Modification Agreement is signed. Countrywide Mortgage was my original Bank. XXXXcalls me every other day and this weekend a property appraiser from them dropped off another package of the same documents My addressXXXX FL. XXXX. XXXX. I have an appointment them XX/XX/2015. Should I cancel the appointment until l hear from you?
Company response: Company chooses not to provide a public response
Consumer complaint: After XXXX complaints to you, I received a letter stating that US Bank would have a decision/approval for the short sale by XXXX. It is now XXXX and the file has n't even been reviewed by a negotiator. My XXXX lien approval expires XXXX and I needed my approval from US Bank by XXXX in order to close on time. I have left numerous messages for supervisors and have had NO return call or email. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Apparently I was provided as a " reference '' for an auto loan for a friend. To my recollection I was never contacted for the reference. Now the person with the loan in behind on payments and this company called me XXXX to have him " contact them ''. The first time I thought it was because I was the reference and the loan was just being initiated. The XXXX time I found out that they must be behind on payments. I did n't sign up for anything and they should n't be calling me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2015, I was issued a mortgage modification from USbank with an interest rate of 4.95 %. The mortgage is a XXXX XXXX mortgage. According to the XXXX XXXX website, banks who service XXXX XXXX loans must use their standard interest rate on all modifications. On XXXX XXXX, 2015, the XXXX XXXX rate was 4.125 %. A month prior to that it was $ 4.0 %. Why is there a discrepancy between what what XXXX XXXX is issuing and what my Usbank ( the servicer ) is charging me? Many thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my XXXX bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past four ( 4 ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each XXXX closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a sixteen ( XXXX ) XXXX old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from a company called Key 2 Recovery , Inc. in regards to a debt that I owe. The amount this so called company says I owe is {$5500.00} because of an unpaid student loan with XXXX College. 
Now I called this collection agency about this so called amount and they said its for a student loan. Yes I did go to XXXX College, but the money I took out was through FAFSA which deals with the DEPARTMENT OF EDUCATION. 
So all the student loans that I owe will be repaid through and to the Department of Education and not through a collection agency. This agency made a mistake by saying that I owe them money that I took out from FAFSA ( which goes through Department of Education ) for my college courses at XXXX College. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I spoke with a wells fargo agent explaining details on modification. I was told By XXXX on a recorded line that it will take about 2 weeks. I submitted all the informatyion immediately. XXXX was slow and not returning calls promptly. after 4 months and so many calls to them. My loan was modified. I made payments XXXX       , XXXX, XXXX and every month after.
I was never late before the modification. I ask them to correct my credit ratings. It has been showing for months XXXX. XXXX, XXXX , XXXX, XXXX, XXXX, XXXX and XXXX!) XXXX all 30 then 60 then 90 days past due.
They will NOT make it correct.
I was lied to and then they ruined my credit!
XXXX
Company response: Company chooses not to provide a public response
Consumer complaint: XXXX insurance company is charging me an extra month of coverage that I did not used. The collection agency asked me for proof I had insurance coverage through another company to discard the claim, and I sent it to them XXXX. The agent said that if I did n't hear from them in the following two weeks it would have been cleared and two months later they started harassing me again. They once again asked me for proof, I sent it, they confirmed that they had received it and now they started calling me again. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This is still ongoing. I am still no further ahead than I have been since this started in XXXX. As a matter of fact the last time I filed a complaint with the XXXX, Bank of America has said they would send their response/findings of this to me. I was told this on XXXX XXXX, and XXXX XXXX. As of today XXXX/XXXX/XXXX I have received nothing. However, on the XXXX site I noticed they responded to the XXXX and I absolutely dispute what they sent. I have never requested a deed in lieu. I never cancelled a short until the buyer I had from XXXX XXXX of XXXX finally cancelled. As far as cancelling a short sale in XXXX of XXXX I was trying to pursue help with loan remodification and there was no short sale paperwork going on. As a matter of fact I would receive letters telling me that due to Bank of America not receiving all requested paper work they were cancelling things which then led to me calling again to ask what they wanted as I sent them everything they asked for everytime.. My realtor also had great difficulty receiving information and responses from Bank of America. In spring of XXXX we went through months of sending and resending documents due to them wanting new wet signatures on everything that had already been signed. I have been talking with a XXXX XXXX at Bank of America and we talk at least once a week but still nothing is being resolved. She did tell me she would send new paperwork for loan re modification XXXX but I still have n't received that either and if Bank of America does n't resolve the issues of money still being charged and etc that I have requested Bank of America remove/write off I do n't know how anything will be any different. In the meantime, I still have a live foreclosure date looming ahead of me for XXXX XXXX which mean homelessness for me as well. Ca n't this foreclosure be stopped like it has been before when dealing with these issues? 

Company response: Company chooses not to provide a public response
Consumer complaint: Past address is not mine. 
XXXX, XXXX never lived or worked there. 
It might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. 
The only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mom 's dog got sick she needed an emergency office visit but did n't have money so I go the XXXX XXXX hospital and apply for a Wells Fargo care credit card. My mom and I agreed that I 'd pay for the initial visit. However I never told the office that was the agreement. They never confirmed or stated that I would be the one paying. So I leave, my mom takes the dog in later. Picks him up the next day. I get this XXXX $ charge to my account so I ask her she 's like I signed an invoice for me not you they got the payment mixed up so I dispute it with Wells Fargo but they said no its acceptable because I signed up for the card the same day even though my name is n't on the invoice and the signature does n't match mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sent creditor copy of discharge notice but have had no response 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed for Chapter XXXX in XXXX. My XXXX mortgage with Well Fargo ( WF ) was charged off $ $ XXXXXXXX.They indicate that we should call them. In XXXX XXXX, XXXX I was offered XXXX settlement plans.by XXXX and XXXX:1- {$40000.00} immediate payment2- {$47000.00} XXXX months3- {$54000.00} 60 months, payments $ XXXXXXXXThese payments were arranged by automatic withdrawal. WF indicated we would have to reset up payment every XXXX months. I requested numerous times for a written document of the settlement. WF indicated it was in my account file, not to worry. 
We pain until XXXX XXXX when XXXX indicated they could not authorize automatic withdrawals. 
I finally spoke to XXXX today XXXX XXXX, XXXX and she gave me XXXX different answers:1- no settlement on file2- Settlement is void, due to missed paymentsI have been trying to pay WF and they have declined setting up automatic withdrawals. 

Company response: Company chooses not to provide a public response
Consumer complaint: Net Spend XXXX Texas XXXX has an agreement on small claims action. They agreed to stop payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX checks was not cashed only the one XXXX XXXX. We sent to Supporting Complaints Dept of Finicial Assistance XXXX XXXX XXXX XXXX Ny XXXX reference # XXXX Net Spend. They 2 Business days and some seem to leave job XXXX @ Finicial Dept Ammends must be made because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office tried to file false claims XXXXXXXXXXXX has them incontempt of court XXXX XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried for 4 times to request a loan modification with XXXX XXXX XXXX, XXXX XXXX and 2 times with Select Portfolio Servicing and have been unsuccessful since 2009. I 've tried to resolve this matter and I beg for you for a fresh start and a mortgage payment that is affordable so we can continue to live the american dream to own your own home. I feel that the Mortgage companies have discouraged me to continue to fight to resolve this matter and have been difficult to deal with because no resolution has ever become of the 4 attempts of my loan modification. I am now at my wits end and do n't know what else to do to save my house. Please help me to resolve this issue with a loan modification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am being charged a late fee each month on a purchase I made which was financed thru Wells Fargo, This was a 12 mo no interest agreement. I get paid once a month at the beginning of the month so make payment at that time so it 's not late. All of my payments are made online which states payments take effect the same day if submitted by XXXX Pacific Time. I made a payment of {$140.00} on XXXX/XXXX/15 which was the end of the billing cycle, but the payment did n't show up until the billing cycle beginning XXXX/XXXX/15 and then charged me a late fee. Each month I 've been charged a late fee and a {$1.00} interest charge. 
They said I pay too early and they ca n't do anything about the late fees, but would refund 2 months which they only refunded 1 month and then charged me again. I have attached copies of the receipts and statements where the problem first began. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our company runs a XXXX to help low income communities with access to bill payment and phone balance reloads. We do this by deploying bill payment machines into convenience stores in low income areas. We opened an account with Bank Of America to allow store owners to deposit the funds from the machines. When I opened the account, I explained exactly what we do. A couple of months later, the account suddenly gets classified as an " MSB '' account, and gets frozen by the bank 's MSB department. Because of the bank 's actions, we have racked up over {$1000.00} in fees which is absolutely unacceptable. At this point, I just want my money back, and to close the bank account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I financed a vehicle thru Ally financial entering a retail installment contract on XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau and U.S Department of Justice investigate Ally 's auto financing business. And Based on the investigation the government agencies claimed Allys pricing and automobile dealer compensation system resulted in minorities ( to whom I am an XXXX ) paying higher interest rates than XXXX customers. 

Ally did not admit to these allegations but agreed to enter a settlement with the government agencies in XXXX XXXX. 

In XXXX XXXX and XXXX XXXX Ally financial reported my account 30 days late and 60 days late to the XXXX major credit bureaus XXXX, XXXX, and XXXX. 

This not only hurt my credit but also financially as ally was allegedly charging me a higher interest than XXXX. So when I finally refinanced the above vehicle loan with my local credit union XXXX XXXX. I owed more on the vehicle than if Ally would have charged me at a lower interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: There were discrepancies on my balance at my dentist office, for instance charges for services I did n't receive. XXXX of the owners, the dentist 's husband actually said he would review it. He called and left a voicemail on my phone on XXXX of 2014 stating that he was going to clear my balance. This year I received a call from the same office stating I had a balance! I then returned the call with no answer and explained the misunderstanding and to call if there were any further questions. Now there is a collection placed on my credit for that same amount. I still have the voicemail ... Thank goodness for technology! I am currently in the process of buying a house, this would prevent me from doing just that. How can I go about getting this removed? 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am in the process of a dead in lieu for a property with XXXX mortgage lenders listed on it. I was told by the XXXX Lender XXXX XXXX XXXX they will take care of notifying the XXXX mortgage ( Suntrust ) on the dead in lieu. 
XXXX sent me a letter requesting for authorization from Suntrust. 
I called Suntrust and was told they have never heard of this arrangement and was put on hold many times because they did not exactly what a dead in lieu is and the procedure for it. I kept being asked to make a payment, which I can not do since I do n't have the funds to do so. Suntrust is very uneducated in their products and procedures when a customer calls them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Police officer knocked on my door and served me papers from Cascade Capital LLC, XXXX. Then proceeded to tell me to hand over my wallet and that all of my money ( {$2.00} which is SSI exempt ) I did as instructed and felt so violated of my privacy. Office gave me a reciept for XXXX dollars even though I told him this money was all I had to live on and that it was exempt money. I am a widowed woman, I live alone and really felt so upset, crying and felt like my rights to privacy was taken away from me. How can a company do this it is so unethical and morally wrong to rob me of my privacy. Thank you. 

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