AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My husband and I reach out to our servicer when we received a notice of garnishment in the XX/XX/XXXX. We ask for a temporary forbearance and to pay interest only payments until the garnishment was completed. We were immediately denied a special forbearance, and was encourage to apply for a loan modification. Since XX/XX/XXXX we had apply & denied XXXX times and requested an appeal on the last then was denied on appeal. The reason for denied make no sense. The XXXX denial was because we did not make enough income then the XXXX time we made too much. The XXXX time we was told that our expenses were within program guideline and was restated in the appeal process. At every point of communication the representative or the negotiator would encourage us to perform short sale. We did our research and ask for a Harp option and was told we do n't quality for this program. We find out later that this servicer does not participate in the harp program. We believe that the servicer along with the investor have not intention on helping us reinstate our loan. Example at every point of contact, the servicer has stated that the order to dismiss the foreclosure was sent to the lender 's attorney on XX/XX/XXXX. The lender 's attorney has denied receiving a notice at the XXXX 's hearing to dismiss the foreclosure. When we asked the attorney if he contacted ASC or the contact the negotiator with the information we filed in court records ; he stated no. We believe that the servicer agreement with the investor entitle the servicer to retain all late fees and fee require to mitigate the investor 's loss. We believe part of the fees that the servicer retains is link to the XXXX failed loan modification. If the servicer receives any compensation from the government for processing the loan modifications then it may be a conflict of interest. Base on our failed attempts, we believe the servicer and investor had misrepresented their intents and have conspired to abuse the government home retention program as well as mortgage insurance program. We ask CFPB to step and investigate first if the servicer acted in good faith and to see if they have a similar pattern with other failed loans. Time is at an essence, we go back to court this month to determine if the lender with be granted a judgment. Do to the servicer willingness to help us before we defaulted, our credit is bad and we will be unable to get a new loan. Our goal is to keep our home. Please step in. 

Company response: Company chooses not to provide a public response
Consumer complaint: After carefully reviewing my Experian Credit Report, I noticed a couple of creditors incorrectly reporting to my credit report. 
Below is a small list of the creditors that I would like to have permanently removed from my Experian Credit Report immediately, please:1. XXXX XXXX COUNTY RECORDER - Identification numberXXXX. This public record 's creditor is reporting to my Experian Credit Report by mistake. I 've reached out to the county recorders office regarding this Public Records item and they 've confirmed with me this it is reporting to my credit report incorrectly. It is basically reporting to the wrong XXXX XXXX XXXX, XXXX As a matter of fact, to ad insult, based on their records, XXXX is not even included in the name that its supposed to be reporting to nor is the address mine as well, based on what they have in their records. 
2. XXXX - Account numberXXXX .... I 've never had any XXXX XXXX XXXX credit card and nor do I know of anyone who has added me to their XXXX Card as an Authorized User as it states on my credit report. I would like to have this credit card permanently removed from my credit report, please. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX billed an eight year old address attempting to reach me for a medical bill. 
No response was recieved because I did not live at the address they were billing. 
XXXX turned the invoice to a collections agency, collection agency continued to bill the old addressI had no knowledge of this information until I needed to purchase a car where the discrepancy showed up on my credit report. 
XXXX refuses to submit a letter of untimely filing so my insurance company will pay the billI still do not know where or how the old address was obtained by XXXX. I would never recommend using this medical lab. XXXX insists I lived at the address that was billed and I received sufficent notice of the debt. I can provide public records to show I did not live at the address. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I purchase a prepaid card from Netspend for XXXX while trying to activate the account I was not able to do so and the check cashing facility who sold me the card do not do refunds on prepaid cards. Upon contacting Netspend I was advised that prior to six years ago a purchase was made on a netspend account in which the charges was in error a provisional credit was given and I advised the representative the account was reconciled to a XXXX balance and I no longer used the card. Upon requesting my money back from Netspend I spoke with a supervisor I requested to the supervisor this was well over six year ago and I was never made aware of any balance due on this account nor was I notify of any past due amounts. I am requesting the return of the money on this separate account and for Net Spend to validate this debt by supplying me with copies of the receipts showing my signature. 
I would like to add this was during a time when I was making funeral arrangements for my mother! for Netspend to withhold my funds from a separate account six years later is of great concern : Also after speaking with the representative and requesting a supervisor I was placed on hold and transfer to another representative by the name of XXXX XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have repeatedly had difficulty accessing all three credit reports and scores for the purpose of disputing information. Without purchasing monthly monitoring, I have not been able to access my reports aside from a monitoring service ( ProtectMyID ) provided by a medical company due to potentially compromised personal information. The information provided through the ProtectMyID website ( Experian ) indicates significant incorrect and derogatory information on my report. This is extremely problematic and has made it impossible for me to obtain credit that is necessary for business related travel and expenditures. Not only has it been impossible to obtain my credit reports through the XXXX major bureaus, I have been unable to dispute the incorrect information ; thus, leaving me with a false indication of my creditworthiness and inability to rectify the errors in a timely manner. From what I have been able to view on my credit report, accounts that do not belong to me, as well as incorrect dates ; amounts ; demographic information ; etc., remain on my report and I have not been able to get this corrected despite repeated attempts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was XXXX in XX/XX/XXXX. I resolved all debts with the hospital. XX/XX/XXXX, 2 years after the incident I received duplicate bills that I had already paid more than a year ago. Upon numerous calls to the hospital XXXX XXXX system. I was told that they have installed a new payment system and it is sending erroneous bills and that I should just disregard them and any automated phone calls I have received. Then I received no other bills and received the debt collection notice in the mail. I have paid THOUSANDS of dollars to this hospital over this incident, and I am receiving debt collection on this {$58.00}? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After reviewing my TransUnion credit report, I immediately noticed something in my Public Records section of my TransUnion credit report reporting incorrectly. 
Below is information regarding the following Public Records item I would like to have permanently deleted from it is reporting to my TransUnion credit report in error. TransUnion is reporting it to the wrong XXXX XXXX XXXX, XXXX.:1. Federal Tax Lien - Reference # - XXXX. This Tax Lien that is currently reporting to my TransUnion credit report is reporting to my credit report in error. This is the wrong XXXX XXXX XXXX, XXXX As a matter of fact, based on this lien 's record, XXXX is not even included. Nothing fully matches up except the fact that the name is similar but not mine. Nor is this my address that they have on record as well. I would like to have this item permanently deleted off of my TransUnion credit report immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ) { XXXX XXXX, XXXX ) { XXXX, XXXX } XXXX, XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. 




XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX : XXXX PHONE : XXXX : WELLS FARGO BANK ONLINE CUSTOMER SERVICE DEPARTMENTINFO TO : XXXXDR.MR.PRESIDENT BARACK OBAMA HON . SECRETARY OF STATE XXXX XXXX DIRECTOR OF FBIINFO ALERT TO : XXXX.PRESIDENT OF XXXX XXXX XXXX XXXX XXXX XXXXVICE PRESIDENT OF XXXX XXXX XXXX XXXX INSPECTOR GENERAL OF XXXX POLICE SERVICE XXXX XXXX DIRECTOR OF XXXXDATE : TO RESPECTFULLY REFER TO THE ABOVE RELATED E-MAIL SENT TO ME BY WELLS FARGO BANK ONLINE CUSTOMER SERVICE CAPTIONED, " IMPORTANT MESSAGE FROM WELLS FARGO ONLINE '' AND TO PUT THE RECORDS STRAIGHT THAT I AM NOW IN XXXX AND SINCE THE HON.FORMER SECRETARY OF UNITED STATES TREASURY XXXX XXXX SENT THE E-MAIL TO ME AND INFORMED ME THAT HE HAD INSTRUCTIONS TO WIRE XXXX ONLY INTO MY BANK ACCOUNTS AND I DULY GAVE HIM MY THEM WACHOVIA BANK AND NOW WELLS FARGO BANK ACCOUNT THAT THE MONEY WIRED INTO THE BANK ACCOUNT WAS STOLEN AND THE FRAUD WAS DETECTED IN XXXX AND THE PERSON ALSO UNILATERALLY AND FRAUDULENTLY CLOSED THE ACCOUNTS AND I DULY REPORTED THE CASE FOR INVESTIGATIONS, AMONG OTHER CASES, THERETO. 
THEREFORE, I HAVE NO PERSONAL IDEA OR KNOWLEDGE OF THE PURPORTED TRANSACTIONS REPORTED ABOVE, THERETO. 
THAT THERE HAS BEEN XXXX MONEY TRANSFER INTO MY MTN REGISTERED ACCOUNT OF XXXX AND WHEN AT FIRST I DID NOT KNOW WHO TRANSFERRED THE MONEY INTO MY XXXX XXXX XXXX ACCOUNT THAT I RESPECTFULLY EXERCISED DUE DILIGENCE TO KNOW THE PERSON WHO TRANSFERRED THE MONEY INTO MY XXXX XXXX XXXX ACCOUNT OF MY TELEPHONE NUMBER XXXX AND I WAS DULY INFORMED BY THE XXXX AGENTS THAT TRANSFERRED THE MONEY INTO THE ACCOUNT THAT THEY KNEW THE PERSON VERY WELL AND THE PERSON INFORMED THEM OF MY NAME AND TELEPHONE NUMBER MENTIONED ABOVE THAT " I AM A VERY GOOD MAN/PERSON '' THAT I SHOULD GO AHEAD AND CASH THE MONEY. 
THAT AS A LAWYER WHO DID MANY CASES FOR PEOPLE AND HAVE STILL NOT BEEN PAID MY LEGAL FEES AND THE CLIENTS CAN NOT ALSO BE REACHED BY TELEPHONE THAT I HAVE ALSO SERVED " DEMAND NOTICE OF THE PAYMENTS OF LEGAL FEES '' THAT I HAVE NO DOUBTS IN MY MIND THAT THE MONEY TRANSFERRED INTO MY XXXX REGISTERED MOBILE MONEY IS A GENUINE MONEY, THERETO. 
HOWEVER, AS I HAVE ALREADY MENTIONED ABOVE THAT I HAVE NO KNOWLEDGE ABOUT THE WELLS FARGO BANK TRANSACTIONS, THERETO. 
RESPECTFULLY SUBMITTED. 
GOD BLESS XXXX AND AMERICA. 
VERY TRULY YOURS, XXXX XXXX XXXX, XXXX. 
INTERNATIONAL LAWYER/LEGAL CONSULTANTFrom : Wells Fargo XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; To : Sent : Sunday, XXXX XXXX, 2015 XXXX XXXXSubject : Important Message From Wells Fargo Online. 



Dear Customer, Wells Fargo detected irregular activity on your Account on XXXX XXXX, 2015. For your protection, you must verify this activity before you can continue using your Wells Fargo Account. 

Click on the link below to access and verify your statement. 

XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been traveling out of the country for some time. Now upon returning, I need a copy of my credit report in order to secure an apartment in the US. Obviously I want to have the apartment available to me by the time I arrive, so I have someplace to go to immediately. However : XXXX says citizens can only apply for a credit report from inside the US. This is ridiculous. I need a credit report now, and as long as I enter my valid personal data, what difference does it make WHERE I 'm accessing the internet from? 

Why ca n't I get my credit report from outside of the US? ( And calling does n't help, as that takes two weeks and can only be mailed to an address inside the US! ) 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a pay off stated from the home office of this company California ) and then the XXXX office and we paid off truck By the time they stated. We waited for over a month for the title and instead today recived a bill for {$80.00} I contacted them and they have no clue what they are doing said its a late charge.They tried saying it was paid after XXXX on XXXX if you look at payoff print out from them it was XXXX the XXXX I am tired of this company and want my title. DO NOT USE LOBEL FINACIAL they are crimanals. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: do not have a record that matches the information I entered. MY personal information ( name, SSN, address ). 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX2015, I refinanced my mortgage w/Primary Residential Mortgage, Branch Office in XXXX XXXX NJ. Final agreement was signed on XXXX/XXXX/2015. However, after complete review with my son, and discomfort with changes in agreed Closing Fees and the percentage rate, I exercised my " RIGHT TO CANCEL '' and mailed proper form ( XXXX/XXXX/15 @ XXXX ) to Primary Residential Mortgage XXXX. I also informed the Branch Manager, XXXX XXXX of this decision. His immediate response was to make changes ( as first negotiated ) and another agreement was drawn and signed by me on XX/XX/XXXX,2015. 
XXXX XXXX I received notice from XXXX that servicing was transferred from Primary Mortgage. I immediately called XXXX XXXX and questioned the difference ( higher ) in the monthly payment amount. I was told a " research '' would be conducted and I would be notified within 7_10 days. When I received the first " Monthly Mortgage Statement '' I realized myself why the monthly payment was higher -- - INTEREST RATE INFORMATION on this form indicated a 3.990 % rate. I immediately called PrimaryResidentialMortgage with my concern that they transferred the first agreement, cancelled by me. I also called XXXX with these same concerns and again was told a " research would be conducted and this would take 7-10 days. My initial payment to XXXX was sent ( XXXX/XXXX/2015 late ) and in the amount of my signed agreement of XXXX/XXXX/2015. I have continued to make this monthly amount accompanied with a note the explanation for the difference. I have had other contact with Primary Residential Mortgage ( all initiated by me ). The last contact with them, ( XXXX/XXXX/2015 XXXX XXXX, via phone-followed by email ) indicating she was sending me a Mod agreement needed to lower my interest rate. This " overnighted '' package was not received until I called again and questioned its status ( rec 'd XXXX/XXXX/2015 ). As of this writing, I have not signed this document. My question is, " how do you modify an agreement that no longer exists? '' I have absolutely no faith in either Primary Residential XXXX, although I believe Primary is at fault for selling an illegal document and not admitting to this error or taking any action to resolve the situation. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have tried numerous times to contact Southwest Recovery XXXX in regards to a debt on my credit report. I have no idea who this company is. They have refused to contact me back, answer any phone calls and to this day I still do not know who they are. Requesting assistance to have removed from credit report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Since XX/XX/XXXX, I had a XXXX IRA Money Market acct with Bank Of America. From then until XX/XX/XXXX, I earned a total of {$130.00} in interest on a initial {$1000.00} deposit. Recently the interest rate was so low, that I decided to move the money to XXXX XXXX. I contacted BOA and they said they would not do a transfer. They would either send me a check or I could get XXXX to do the transfer. At no time during this conversation, did BOA mention a fee for making this transfer. Since the IRS has strict rules about taking the money from an IRA and moving it on my own, I decided to ask Ally to do the transfer. Once the transfer was complete, BOA notified me that they withheld {$50.00} from the transfer, calling it a processing fee. I contacted them and they said that they told XXXX about the fee and that XXXX should have informed me. They also said that this fee is stated on my quarterly statement. XXXX said that if BOA had told them about this fee, they would have instructed them to relay the information to me and that it was n't their responsibility to inform another bank 's customer of their fees. In addition as you can see from the attached statement, there is no mention of this fee on the quarterly statement. I have XXXX and XXXX and keeping track of all of a bank 's rules are difficult for me. I thought by calling BOA at the beginning of this process, I would be making sure that I made an informed decision about how to proceed. I do n't have a lot of money and they ended up taking XXXX % of the interest it took me 7 1/2 years to earn. Also, why are they entitled to a processing fee, when they refused to initiate the transfer and XXXX was the one who did all of the work? I spoke to several customer service people at BOA after this occurred and they maintain that they have a right to charge this fee. They may have this right, but is it fair, especially considering how small of an account this was. I also think this is unfair because the IRS recommends an account to account transfer to minimize tax problems and BOA is using this to their advantage. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regarding a XXXX installation. XXXX installed internet and TV service under a30 day trial. The service did not function correctly repeatedly. Within the 30 day trial period, I told them to remove it. They did so but charged my account {$130.00} but never sent a bill that I received. They turned this over to Credit Management , LP. to collect. Credit Management would not accept the XXXX reference number ( XXXX/XXXX/2015 ) saying it was rectified. My XXXX score, I just learned last week, is now low XXXX 's down from over a consistent XXXX. I had called XXXX to rectify on : XXXX/XXXX/2015 XXXX # XXXX ( talked to XXXX in XXXX XXXX XXXX said she would fix it and someone would call back to confirm. They never did. 
XXXX/XXXX/2015 talked to XXXX Billing Dept?? Ticket # XXXX said I would receive a letter confirming the correction and XXXX fix on priority basis. As of XXXX/XXXX/2015 no letter was received. 
XXXX/XXXX/2015 I explained XXXX last time the issue but I am certain the gal on the phone was not understanding the issue. I requested to be contacted by a supervisor and let them know this is my LAST call to XXXX. I have no confidence I will hear from XXXX. 
I applied for a home mortgage last week to find my damaged credit score and now have to accept a higher rate 4.75 % due to this. This will cost me XXXX dollars. 
I request XXXX be fined and pay me damages of {$100000.00}. 
I have the notes from each call on file. I also want them to fix my XXXX score and I ask that Credit Management be fined and pay me damages for predatory practices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/2015 Evergreen Financial Services violated our privacy by disclosing a debt owed to an unauthorized 3rd party. The collector placed a call to a number the collector found using skip trace. The individual who owns this phone, has pending legal/criminal issues with our family. The violation of our privacy to this individual has created much turmoil for our family now. Furthermore, at XXXX on XX/XX/2015 when I called Evergreen Financial, I spoke with XXXX , and when I asked what the amount we supposedly owed and who we supposedly owed the debt to she refused to give me any information. So, Evergreen Financial first violates our privacy, and then refuses to give me the debtor in the situation any information on the debt. But, XXXX did have the audacity to ask for payment in full- but not give me any information as to the amount or the creditor. They have made no previous attempts to contact us- we had no idea we even supposedly owed the debt. The collector did not verify she was speaking to an authorized party before disclosing that she was attempting to collect a debt. Not only has our privacy been violated, but numerous Federal and State Laws have been violated by Evergreen Financial. How can they attempt to collect a debt when they refuse to give any information to an authorized party, but give private information to a non-authorized party. thank you for your assistance in this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TRANSUNION HARD REMOVED XXXX ACCOUNT FROM MY CREDIT REPORT WHEN I DISPUTE THEM AND WHEN AND TURNED BACK AROUND AND PUT THEM BACK ON 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called XXXX XXXX in XXXX Texas. The apartments went to court in XX/XX/XXXX with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National XXXX System almost XXXX without even seeing the agreement that was made between them and my departments. I have requested several times for them to show proof that they are a legitimate company including XXXX lettters in the mail. I have asked for the documents that were sent to the company by my apartments on XX/XX/XXXX and I have still not recd anything. I need this company to refund me all my money back unless they can prove to me that they are legally able to take this money from me. I need this company to be notified so that they take this debt off of me or they will be sued. Attached with this complaint is the letter I recvd for the balance I owed for my apartment which was XXXX. I paid off about XXXX dollars of that and with the XXXX I have paid these apartments, that balance should have been paifd off a long time ago. I am being scammed and I refused to pay them any more money until I get this remaining balance removed from my acct. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents. 

Company response: Company chooses not to provide a public response