AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have serveral loans through the Vermont Student Assistance XXXX or VSAC. I am currently ahead on payments ; however, after several attempts to have the overpayment and/or ahead payments applied to the principal balance. Accorday to VSAC it is against their policy to put the overpayment to the highest principal balance, rather they mandate that the overpayment be put towards the lowest interest loans. If this was my home mortgage i would be able to make an over payment towards interest, escrow or prinicpal. Since when does a non profit have the ability to tell me how to use my money when I am over a year ahead on my loans. It seams that it lines their pockets more because instead of paying off the highest interest loans, they tend to funnel my payments to the lower interest ones. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Filed for a remodification with Bank of America, was approved with no principal balance or interest rate reduction. Was told because I have an FHA loan I was not eligible. 

Now I have to consider paying an attorney XXXX to take care of it, why? 

My property is XXXX underwater. I requested a letter from them a week and a half ago and never re eived it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Basically I started an account with bank of America because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern : I began the process of a short sale with Bank of America on XX/XX/XXXX, over 1 year ago. After 9 months of XXXX valuations, uploading and re-uploading docs already sent, numerous escalations and a complaint with the CFPB, BOA finally approved the short sale and sent closing docs to title in XX/XX/XXXX. Close of escrow per BOX needed to happen no later than XX/XX/XXXX. Unfortunately, because BOA and its 3rd party negotiator did not process my request for SS in a timely manner, the buyer of XXXX XXXX XXXX XXXX # XXXX, XXXX, Az, walked away from the contract ( XX/XX/XXXX ). My realtor quickly put the property back on the market, received a new contract ( {$2000.00} less than prior contract ), and I once again completed the required hardship forms, authorizations, etc, which were uploaded back in the XXXX system. In my hardship letter, I specifically asked that all documents go to the prior Office of the President Negotiator, XXXX XXXX, so that the process could keep moving forward. Once again, this did not happen, an entirely new Short Sale request was opened, and we started from square one with a new 3rd party negotiator. The same series of events are happening, requests for docs already signed, then someone does n't like a date, or they say realtor needs to resign forms, and now, oh we need yet another valuation. We knew that the last valuation was done in XX/XX/XXXX, and yet now in XX/XX/XXXX the negotiator has realized that valuation has expired. XXXX XXXX, negotiator has communicated with me better than anyone over the last year, however, we need BOA, Investor and MI approval QUICKLY, due to a foreclosure date of XX/XX/XXXX being set. At the time I began the SS over a year ago, I had a job and tried to manage my payments. However since that time, I have lost that job, now am on unemployment, and am simply running out of time to get this done prior to a foreclosure date. MY REALTOR DID SECURE A RENTER FOR THE PROPERTY, SO IT IS TENANT OCCUPIED AT THIS TIME BY A XXXX VETERAN. Please note that this Veterans Rent is paid by XXXX, City of XXXX, and should this foreclosure happen ... ..Bank of America will be putting a Veteran back out on the street. We would not be at this juncture, had someone processed all XXXX attempts at this SS in a timely manner. I am asking once again that XXXX XXXX, negotiator with BOA Office of the President, step in and get this SS to all appropriate parties for approval. There was an issue with Mortgage Insurance approval ( placed on the XXXX loan without my knowledge after origination ), which will need to be addressed again. One would think it would be more financially advantageous for Bank of America to accept and approve a Short Sale rather than have the cost of the property moving through foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. 
i sent this complain to XXXX and XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Union Pacific Financial did an escrow analysis and they calculated my taxes about {$820.00} more per year. I have called them several times to get this issue resolved. Faxed the County auditor 's page that shows my property tax amount XXXX and finally after speaking with several people they are finally reviewing my request for an adjustment. My payment went from {$1000.00} to {$1500.00} because of their negligence to accurately review the amount for the escrow. There customer service representative are rude and do n't care about helping the client and getting the issue resolved. I have to call almost on a daily basis to make sure this issue is resolved and they calculate my monthly payment correctly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I COMPLAINED TO CFPB THAT I AM HAVING PROBLEMS WITHGETTING M Y $ XXXX BACK REWARD. I RECEIVED A LETTER FROM THE PRESIDENTOF THE COMPANY THAT MY ACCOUNT WOULD BE CREDITED AT THE END OF THE NEXT BILLING CYCLE ( XXXX XXXX. ) ICALLED THE CREDIT CARD COMPAN Y TODA Y AND THE REPRESENTATIVE SAID SHE COULD N'T CONFIRM AND SHE WOULD SWITCHME TO A SUPERVISOR. I WAITED ON HOLD FOR XXXX MINUTES AND THEN HUNGUP. I REQUEST IMMEDIATE PAYMENT OF THE MONEY I HAVE EARNED. 

Company response: Company chooses not to provide a public response
Consumer complaint: I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: there are multiple inquiries about XXXX on my credit report that are from years ago that I am telling them that I did not do and they refuse to remove them and this is drastically hurting my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed XXXX in 2008. I have never heard of payday loan yes. I never received any correspondence from XXXX or XXXX loan yes. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XX/XX/2014. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan company Quicken Loans is trying to auction off my home. They have not allowed me the opportunity to go through mediation as required by Maryland law and they have not reviewed me for ANY programs that may help me save my home. This is an FHA loan and I have been told that there are several programs available on FHA loans to help homeowners who are struggling. I had a hardship and it caused me to fall behind on my loan but I have recovered from this and am working and trying to fix the problem with Quicken Loans. However, they tell me I have to pay them all the late payments at once or they will auction my home. I live here with my wife and XXXX children and I do not want this to happen. 

I bought my home in XXXX and completed an FHA streamline refinance through Quicken Loans in XXXX. In XXXX XXXX my wife was pregnant and she saw a large snake in our house. She was very scared and essentially refused to live in the house because she was scared for the baby and for our other small child. So we had to move out of our home and stay at my mother 's house for XXXX months. I had to pay my mother rent, as well as pay the utilities and mortgage payment on our home. A couple of months later I began falling behind on the mortgage payment. My wife insisted that I hire people to come out and clean out the entire house and treat it with reptile repellent. This was expensive and it took a while to get this done. 

Shortly after I began missing payments I tried to start the review process with Quicken Loans. I was assigned a case manager but I was rarely able to speak with this person, and instead talked to other workers who were not knowledgeable. This went round and round for XXXX months -- I would be told I am now in review with the underwriter, then I find out a couple of months later that the review was not completed because of this or that document and now we need to start over. 

This is not acceptable. We have moved back into our house, so the hardship has passed. I am gainfully employed and can afford a fair mortgage payment. However Quicken Loans has not given me any options other than full reinstatement, which I am not able to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Penny Mac purchased me Note from XXXX, At the time my loan was sold XXXX had agreed to terms on a loan modification. Penny Mac then required me to resubmit a new package and I was turned down. It was then requested I resubmit which I have done several times and have not had any resolution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX, TransUnion and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX, Arizona XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a dispute concerning XXXX XXXX. When I did n't get the response I expected I filed a report with CFPB. I received a letter from XXXX XXXX stating that " XXXX XXXX reported your account to the credit reporting agencies as a " Satisfactory Account- Closed at Consumer 's Request '' in XX/XX/XXXX. In XXXX and XX/XX/XXXX, your account was reported as " 30 days past due '' and " 60 days past due '' respectively. However, upon the closing of the billing dispute noted above, your account has been re-aged. The delinquencies have been removed and your account will report as current for XXXX XX/XX/XXXX with the next reporting of your account. We regret any frustration you may haveexperienced as a result of this situation. The issue regarding the credit has been escalated to the appropriate team for further research. " I called Experian and asked why my account has n't been re-aged and why they reported the Account closed as of XXXX, not XXXX. I stated that I attached the letter from XXXX XXXX. XXXX from Experian explained that the Account # XXXX XXXX reports is different than the Credit Card Account #. XXXX said that they will send the letter to XXXX XXXX to verify. 

Why was n't the letter sent to me by XXXX XXXX verified before completing the dispute? I would like this issued resolved as it seems to be lingering on. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX. 
I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list. 
The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up. 
I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use. 

Problems with initial call I received:1. Deceptive phone number usage. 
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it. 

I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud. 

I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud. 

However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Bank Of America Corporation refused to provide me with a referral to the Identity Theft Assistance Center. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a mortgage loan we found a house we loved everything was rolling into place paid out of my pocket {$1500.00} for inspections then was still told everything was good still with my loan then I put out another {$500.00} for a hot water heater that needed to be installed cause the water heater failed inspection. Everything was still approved had the go ahead from mortgage broker so my realtor was trying to schedule a closing date with my mortgage company. It was then at this time the Mortgage broker XXXX XXXX contacted my realtor and said it was n't going to fly that was all he said to my realtor that was in XXXX I still till this day have NOT heard from XXXX never contacted me to tell me what happened all of the sudden and why did it NOT fly when I put all this money into a house I thought was mine and my families I also called XXXX and left Several messages with him and he still has not returned any of my calls I am very upset with how XXXX XXXX from Aurora Financial group handled my loan and treated me as a customer purchasing a home. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: According to the Credit Card Agreement governing our account, " An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as " ANNUAL FEE. " I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed " each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX. 

The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a credit card with citibank since XX/XX/XXXX.ALL of the payments were made on time and ALL of the payments were paid in full EVERY month. Citi bank has only reported 14 months of payments in the history part of the credit report. This is hurting my credit rating by aprox XXXX points. I have contacted citicard numerous times and the bureaus to get this corrected. it is stopping me fromgetting a loan and my insurance rates are higher than what they should be. there are 216 months of payments that should be reported in my payment history.the credit bureaus keep telling my my score is low because I dont have a long enough payment history and I dont have enough lines of credit. I have XXXX credit cards and can not get a XXXX one because my score is low due to the short payment history that citi is reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint on behalf of incorrect and improper information 

Company response: Company chooses not to provide a public response
Consumer complaint: Iowa Student Loans ( now Aspire Servicing ) is harassing myself, my family, & friends even though I am up to date on my payments. They are currently calling anyone I have ever put as a reference in a very creepy manner, refusing to say why they are calling. This is scary to my loved ones as I am currently going though a custody battle & they have been worried for my son & I 's safety. I am personally receiving calls up to XXXX times per day on my phone while I am at work. I had to block their phone number as the constant calls was disrupting my life. I do not see the need for constant calls when I am up to date on payments!!!!!!!!!! Now they are calling from other numbers. When I answer they refuse to say what company is calling. For my safety I can not play these games, as it could potentially be my ex up to no good again. Again, this is irrational & harassing as I am up to date on payments. When I call their XXXX number to get to the bottom of this, when I finally get a human on the phone they are confused as to why they are even calling. Yesterday I was told " we would never call you like this unless you were behind on payments. '' Once I pointed out that I am not behind on payments the man on the phone was very confused & put me on hold. I warned him that I already had a patient in the waiting room & asked for a supervisor 's phone number so I could call back later to attempt to resolve this issue in a timely manner. He refused to give me a number to call back ... This constant & unnecessary harassment is causing me unnecessary stress & causing my XXXX to worsen. Please help me resolve this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I WAS TRYING TO BUY A NEW CAR AND THE CAR DEALER TOLD ME MY CREDIT SCORE was too low to get the best deal. It ended up costing me at least {$3800.00} more dollars! I HAVE ALWAYS HAD A HIGH CREDIT SCORE. XXXX AND XXXX HAVE RUNIED MY SCORE. THEY ARE OWNED BY THE SAME CO. THEY DO NOT ACT LIKE OTHER COMPANIES THAT YOU HAVE BEEN WITH FOR YEARS.THEY DELIBERTLY TRY TO UNDERMINE YOU. I AM XXXX YRS OLD AND HAVE SPENT XXXX XXXX YEARS BATTLING A CONDO I BOUGHT THAT DID NOT HAVE A WORKING XXXX. I HAVE NOT BEEN N MY HOME FOR OVER XXXX MO THIS TIME. THEY CALLED TOSAY I HAD NOT PAID A BILL. I SHOWED I DID AND WANTED TO PUT IT IN DISPUTE FOR I WAS LATE TO A MEETING AT MY HOME. THEY DID NOT. THEN THEY DID NOT SEND A BILL I REQUESTED ANOTHER ONE AND PAID ON MY COMPUTER SAYING IT WAS ONTIME. THEY MARKED IT THE NEXT DAY AND MADE ME LATE- SO XXXX 30 DAYS LATE THE OTHER 60 DAYS LATE. I WOULD NEVER USE THEIR CARDS EVER AGAIN BUT EVERYONE TELLS ME INCLUDING THE CAR COMPANY THEY DO THIOS TO EVERYONE. THEY NEED TO BE STOPPED. IF YOU LOOK AT MY SCORES WITH ALL THE OTHER COMPANIES THEY ARE ALL PAID IN FULL EVERYTIME. WHY WOULD I NOT PAY THEM? PLEASE GET THEM STOPPED. AND THEY ENDED UP OWING ME MONEY 

Company response: Company chooses not to provide a public response