AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We are filing a complaint against SunTrust Mortgage Inc. which relates to our current Construction Loan. SunTrust is currently holding {$29000.00} of construction loan funds and is not responding to our numerous requests to move our loan to a permanent loan vehicle. The deadline for loan conversion was XXXX/XXXX/XXXX. Due to the persistent unresponsiveness of SunTrust representatives, we have been forced into a default situation, which has now been referred to counsel. Despite repeated attempts to contact SunTrust representatives, our attorney has been unable to even schedule a telephone meeting with anyone from SunTrust. At this point, we are likely incurring extra fees and interest charges. We would move our business elsewhere, but, due to a lien claim filed by our General Contractor, another institution can not process a new mortgage, which would convert the construction loan to permanent. 

Background : On XXXX/XXXX/XXXX, my husband and I signed a contract to build a custom home with XXXX XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, we closed on a Construction Loan with SunTrust. 

We raised some significant design issues with the builder in XXXX XXXX. After repeated denials to resolve or discuss the issues, we engaged legal counsel for guidance. The Builder became irritated and began taking confrontational actions from this point. 

The builder informed us in writing that he would not allow us to move into our home until we fired our counsel, despite the fact that the Builder dealt with us through counsel. 
Our scheduled move in date was XXXX/XXXX/XXXX. 
Per our contract, we are required to resolve disputes via XXXX. 

After unexplained and possibly intentional delays caused by the builder, the Certificate of Occupancy for the home was finally received on XXXX/XXXX/XXXX. 

The Builder requested a final inspection by SunTrust for the final draw. 
The SunTrust Inspector found that there was no vanity/sink installed in the powder room and could not mark the home at 100 % complete in order to authorize release of the final payment. 

On XXXX/XXXX/XXXX, a Loan Originator from SunTrust, XXXX XXXX, who had not previously been involved on this matter, called the Builder to advise him that we were intentionally withholding funds, which was a false statement. 
The Builder sent us an email and promptly filed a lien on the property. 
We received a filed Claim of Lien via certified mail on XXXX/XXXX/XXXX. 

Due to the pending lien claim, SunTrust issued a " cease funding notice '' on XXXX/XXXX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried multiple times to dispute fraudulent and incorrect information on my report with Experian. Experian claims to never receive the documentation I mail to them, and denies all responsibility for investigating- claiming they need documents. They have started refusing to investigate disputes- which is a violation of my TX state and federal rights as a consumer. I have plenty of documentation to support my identity theft and that these accounts do not belong to me! 

I have called on multiple occasions and spoke with customer service, only to be told they no longer use fax, and to upload the documents online. Yet, Experian has locked me out of the ability to view or dispute information on my report online, and has also locked me out of the online document upload function. 

I am an identity theft victim, and have piles of documents to justify deletion and/or correction on the accounts I have been attempting to dispute. Experian is the only bureau that has repeatedly blocked me or locked me out from being able to dispute. I have not encountered this level of difficulty with ANY OTHER BUREAU! 

Again, I HAVE DOCUMENTATION TO SUPPORT MY DISPUTES. So much so, that even the original creditors have begun sending me letters explaining in detail that accounts had been opened fraudulently! Experian refuses to accept any of it, and claims to continue " losing '' or " not receiving '' my certified letters. If I ca n't reliably send this in my mail, how am i supposed to dispute this?? Experian has locked me out of every available option after I called explaining my trouble with this to customer service! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016, I sent a validation letter to a USA Discounters XXXX an account listed on my credit report. The collection agency responded that they were not considered a debt collector as defined by the Fair Debt Collections Practices Act ( FDCPA ). They did not provide proof of debt they are claiming I owe. In the state of Texas, debt collection means an action, conduct, or practice in collecting, or in soliciting for collection, consumer debts that are due or alleged to be due a creditor. In addition debt collector means a person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. Therefore, I feel that they should respond to my request of validation for a debt they are claiming I owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: We fell behind on our mortgage after lost work hours and unexpected attorney fees as a result of crimes committed against our family. We submitted an application for foreclosure alternatives with our lender on XXXX XXXX, XXXX. We received a letter stating receipt of our application and requesting more information dated XXXX XXXX, XXXX. We then received a notice of foreclosure from an attorney dated XXXX XXXX, XXXX. 
I called our lender and was told the foreclosure would be placed on hold while the modification application was processed. Over the next few months, our lender requested more and more information. I would send in the requested documents and they would them reply with a request for MORE documents. 
All this time reassuring me on the phone that the foreclosure process was on hold. 
In XXXX XXXX, we received notice of a sheriffs sale scheduled for our home on XXXX XXXX, XXXX. Our modification application is still being processed! It feels like they will never stop asking for more information for the modification so that we will run out of time and the house will be sold. They are sending letters with a date that is almost a week earlier than the postmark, and giving us very little time to provide the documents, all while going forward with the foreclosure process on our home. We would like very much to finally have our modification application reviewed before our house is sold. From what I understand, they should not be processing our modification and foreclosure at the same time. They are stringing us along in the modification while moving forward with the foreclosure. 
Our financial situation was temporary and we want to stay in our home and continue making payments, but we no longer feel that we can trust Cornerstone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a savings, checking and Business account with US Bank. I went to the gas station filled my tank with gas knowing I had money in the bank at the time. I only put {$30.00} into the tank. My account became over drawn. I was very ill for a few weeks dropped out of commission for a few weeks. Looked into my account after I was released from the hospital. They had put so many fees on my account I could not pay the money to get the account back in good standing. I tried reasoning with US Bank. They would not reduce the fees at all. When I called that measly {$30.00} dollars turned into {$340.00} in fees. They never paid any returned checks and I never bounced checks. They try to extort {$340.00} for a {$30.00} error. They have reported me to XXXX saying account abuse the info is inaccurate. They are the ones doing the abusing. This should be against the law. Check consumer complaints website you will find thousands of stories just like mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My mortgage account is currently in bankruptcy. Approximately around XXXX 2015 I submitted complaints to both the CFPB and XXXX in reference to SunTrust charging me {$1700.00} in fees. I was not notified of the fees and SunTrust also gave their lawyers inaccurate account information that led to a foreclosure process. In XXXX I received a letter advising that {$110.00} in fees was valid and the difference was credited. I called SunTrust to verify the amount I needed to pay for my Mortgage since there was going to be a scheduled change in the amount. Since I was advised my account was current, I was able to speak to a regular agent instead of being transferred to the Bankruptcy team. I also inquired about the fees owed. The agent advised me it was {$20.00}. I made sure to reaffirm the amount. I went into the branch and made my regular payment in addition to the {$20.00} in fees ( XXXX 2015 pymt ). In XXXX 2015 I received a letter advising that SunTrust filed post-petition fees in XXXX 2015 with the Bankruptcy courts in the amount of {$120.00}. This was the first time I have seen this document. Why was this amount not discovered during the four weeks of investigation on my account in XXXX 2015? Is the {$120.00} in addition to {$110.00} I owe? I hope this is another misunderstanding. I need to know EXACTLY what is owed in fees. So far I have been given various amounts from SunTrust ( {$110.00}, {$20.00} and now {$120.00} ). Also I called again just last weekend and your XXXX now has my account as past due. Please also note that due to my account being current I was denied a loan modification earlier this year. These conflicting status and amounts on my account is unacceptable and needs to be addressed. The inconsistencies make it quite hard to trust that all the departments are sharing appropriate information to manage this account. I hope this would be my last complaint and I would be able to get my account straighten out. I have attached a copy of response from the first compliant and the post-petition notice for your review. I should not have to spend this much time on this issue.. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid extra money on principle balance of home loan, the current LTV shows 78 % and the bank is not removing the PMI from my mortgage payment, they are stating that I must send in a written request, I explained that at 78 % LTV the law requires them to automatically terminate the PMI, they told me no I must send in written request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving calls from this collection agency, EVERY day at least once a day for well over a month now. I did answer over a month ago and let them know I lost my job a few months back and that I would pay the past due cable bill directly to the company it is owed when I receive my taxes, which I have not yet received. I also have made XXXX small payments towards this bill and mentioned to them that I was paying it down when I was able. I also answered XXXX of their calls two days ago and told them to cease and assist, they hung up on me and proceeded to try again the next day. It 's getting really irritating and they call sometimes at XXXX when my kids are asleep. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We finished signing all the final loan documents for refinancing and believed everything was done. We were told a few days later that they made a mistake with some of the disclosures that needed to be signed because the law changed 2 months prior, so we were told we needed to resign. Then were told that because of their mistake we would need a rate extension and they would not honor our lenders credit ( {$980.00} ). This company has been such a pain to deal with. They wait to the last minute to close, it was very hard to get a hold of our lending agent and never kept us informed. Watermark Capital should n't be a licensed mortgage company if they do n't know how to comply with laws and honor their good faith estimate. We should n't have to pay for their mistake. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was rong illed and XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted .. the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via XXXX, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store ... this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX XXXX in XXXX XXXX XXXX for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our po box a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have gotten a divorce and my ex had taken out XXXX credit cards using my financial information. They want me to get her name off the mortgage now. Last XXXX I started that process with Bank of America who holds my mortgage, while my credit was still up. They closed the process on me in XXXX with no notification at all.. I then had to go to getting a Loan Assumption because the credit cards the ex had gotten and not paid were now dropping my credit below XXXX. Bank of America told me credit rating was n't an issue with the assumption since I was already on the mortgage. They were more focused on ability of repayment, which my attorney, work comp, and Long Term XXXX carrier all sent necessary papers covering that. Then Bank of America sent me a denial letter stating my credit was n't good enough for them. They lied to me. I am about to lose the only home I have and worked for, for 30 years. My ex is trying to force it to be sold to make me move. I just had back XXXX in XXXX and XXXX XXXX XXXX XXXX XXXX, 2016. My granddaughters live across the street and my wife ran off with my best friend from church. I only have a short amount of time to get this done before she has the judge force me to sell. I just need her name off the mortgage and to assume the loan, which I was told would not be an issue then they lied and denied me. Bank Of America has been penalized here in the recent past for their wrongful and unethical loan & mortgage practices, and it seems they are at it again at the expense of us poor XXXX Veterans and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told that late payments would be removed ; however it was n't, I paid bill in full. I never got a late payment notice till it was to late. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Harassing calls and bringing up the past credit one bank with XXXX credit monitoring 

Company response: Company chooses not to provide a public response
Consumer complaint: I WANT TO SEE HOW AND WHEN I ASKED FOR FREE CREDIT REPORTS FOR EACH AGENCY ON THE ANNUAL FREE CREIDT REPORT WEBSITE. I DO N'T BELIEVE I HAVE CONTACTED XXXX AND RECEIVED XXXX REPORTS WITHIN A YEAR 'S TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was recently in a financial crunch and needed to meet a child support obligation etc .... I applied online for a payday loan and was lied to about the way the actual payday loans work. As a result I have had to close my bank account and send a Cease and Desist Letter. I still continue to receive threatening phone calls and harassment of my family members.I have paid over {$600.00} in fees without touching the original principle amount of {$500.00}. I am having to retain an attorney to stop the harassment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am reporting FirstKey to the Consumer Financial Protection Bureau because they have remained unresponsive to my many requests through their online message center ( which promises response within 48 hours ) and several of my phone calls to customer service over the past few months. I switched homeowner insurance providers back in ate XXXX 2015 and since then have been paying for my homeowners insurance out of pocket. My new insurance company XXXX XXXX XXXX submitted all forms to FirstKEy verifying that this is so ( twice now! ), yet FirstKey has failed to follow up on my requests to adjust my monthly loan amount to deduct for the fact that homeowner insurance payments should no longer be rolled into the amount due for my monthly mortgage payments. I have messaged them many times in writing and I have called on XXXX different occasions and talked with a customer service agent to try and get the issue fixed. The agents never follow through once we are off the phone and so I am still being billed for the homeowners insurance. I need someone to help me escalate. This is the third company my loan has been sold to since I bought my first home in XXXX and they are the worst. Please help me! 
Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, I sent a letter to Experian along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I received an adverse credit letter from XXXX. They stated their decision was based on information received from XXXX credit reporting agencies, XXXX and IDA , Inc . The information was inaccurate. On XXXX XXXX, 2015, I requested my credit reports and credit scores from XXXX and SageStream ( formerly IDA ). I promptly received my Credit Report and Score from XXXX ; XXXX ; XXXX. The credit report from XXXX revealed no adverse information. 

Instead of sending my Credit Report and Score, SageStream sent me a letter requesting identify information as well as XXXX verification documents. This was done along with my second request for my Credit Report and Score on XX/XX/2015. To date I have not received a response from SageStream and I am continually being assessed the XXXX monthly bad credit fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: COMPAINT AGAINST US BANK HOME MORTGAGE My name is XXXX XXXX XXXX. U.S. BANK is the holder of my mortgage. I bought my house in 2009. One year later I find out the house was not in compliance with the local township. I spent more tha {$20000.00} to repair violation which was overlook by the bank inspection. As a result, I fell behind on my mortgage. 
For over two years I have been trying to get a mortgage modification. U.S. bank has been IMPOSSIBLE to deal with. U.S. Bank Agent XXXX XXXX has been using all the XXXX tactic to delay and denied my modification. 
U.S. Bank Agent : XXXX XXXX # XXXX ext XXXX I need a modification. Please help XXXX 

Company response: Company chooses not to provide a public response