AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: School name : XXXX XXXX University XXXX XXXX XXXX XXXX location : XXXX XXXX, MO I am having the very unfortunate experience of having Access Group as XXXX of my private student loan lenders. They turned my account over to a nightmare collections agency, XXXX XXXX XXXX, without even having the decency to notify me. After I was contacted by XXXX, which calls at least 5 times a day, I contacted Access Group in the hopes of somehow rehabilitating my debt. The representative claimed to have left me voice mails ; however, my phone does not have voice mail! Then, she claimed to have mailed me statements -- when I inquired as to what address, it was an incorrect address. I informed her that was not my mailing address and that I did n't have voice mail, but she did n't care and refused to work with me. She said that my only option was to deal with the debt collector, TWE. I ca n't believe Access Group did n't care that they are ruining me financially. This is affecting my health, which is n't good to begin with. Their debt collector is rude, and even after it was made clear to the debt collector that I have no money and no sources from which to borrow money, the collector encouraged me to borrow thousands of dollars ( by the end of today ), even if I had to put it on a credit card ( or someone else 's ). I pressed, without luck, for alternatives. He would n't give me any. I am hopeless and scared. Please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i checked my credit profile and i noticed there is an item on my account for the amount of XXXX from XXXX i been having some issues with my credit so i m assuming this is fraud and i strongly believe this is not my account. i would like for the above company to stop threatening me and harassing me using profanity i called because the number was listed on my account as of XX/XX/2016 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The XXXX XXXX XXXX, XXXX. law firm is representing CACH , LLC in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX XXXX XXXX, XXXX. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greentree acquired my HAMP mortgage and I feel they are trying not to honor the agreement of my loan and possibly being deceptive. A couple of months ago, I originally asked about my {$1000.00} credit for each of the five years for making payments on time and they first appeared not aware of it. About two months later after this call, my XXXX bill pay XXXX payment they are stating was not received. I used XXXX to pay via online payments for previous Greentree payments with no problems. Only after I inquired about my {$1000.00} per year HAMP payments, XXXX of my payments suddenly was not received. The first notice I received about this missing payment was via mail on XXXX XXXX. I immediately called Greentree/Ditech and they stated they could not correct this problem and it would affect us getting the full {$1000.00} credit or to some portion. Greentree/Ditech states they have been calling my cell and an old number which I have not received any call on my cell or no message. I called XXXX and they have clear records that the payment was sent, but showing it has not been cashed. I really feel Greentree/Ditech may be deliberately not cashing that payment to save them the agreed {$1000.00} credit. It also appears they may have purchased this loan not realizing about this {$5000.00} credit for on time payments and none of it has been paid. I have never been late on any of my HAMP payments in the four years and Greentree/ Ditech even with offering XXXX records wo n't adjust for this. Not Fare or good customer service and possibly not legal. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Recently, I filed a dispute with XXXX in regards to my XXXX XXXX XXXX credit card. XXXX was reporting the account on my credit bureau twice and had an incorrect balance ( {$14000.00} ). On XXXX/XXXX/XXXX XXXX sent an update to the bureau 's that removed XXXX of the duplicate accounts from my credit file, however the failed to update the correct balance and payment history on my account, but put that the updated information was as of XXXX/XXXX/XXXX making it appear to other creditors that I had not made a payment on my account since XXXX of XXXX resulting in my account being 4 months past due. This caused another lender to significantly reduce my credit line less then 48 hours after the update XXXX sent to the bureaus. I called XXXX to get this resolved, I spoke with XXXX representatives from the XXXX XXXX XXXX ( XXXX XXXX XXXX ). Both informed me that I needed to fill out there disputes form and mail it in with a complete copy of my credit report. I informed them that I have already filed the dispute with the credit bureau directly and that under the fair credit report act / FACT ACT I have met my regulatory requirement in filing the dispute and that I do not have access to a printer. In order for me to complete there form and send them my report I would have to travel XXXX minutes to the nearest FedEx to print the form and report which is XXXX pages long which would cost me near {$10.00} in just printing charges and then additional charges to ship it, not to mention the XXXX hours I have now spent on the phone trying to get this resolved and an additional XXXX minutes each way just to the store. This is highly unacceptable. I have met my legal requirement to get this matter resolved. I scanned into there system the paperwork and evidence that they require for resolution which is above and beyond the legal requirement to get this corrected. They have caused adverse action to be taken against me within XXXX hours of there mistake and could cause additional adverse action to be taken that XXXX not be reversible. I am already being told that additional inquiries will be necessary in order to reverse the adverse action once the correction has been made by XXXX which will further deteriorate my credit score. 

XXXX made not XXXX but XXXX mistakes, and after following the proper legal course of action they do not wish to own up to there mistake and fix it with out causing additional delays and potential damage to me. No other financial institution has this requirement, it is not a requirement mandated by any law. They need to fix there broken process and correct there error immediately. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Navy Federal has reported an incorrect amount to XXXX and XXXX. Navy Federal reported I owe XXXX as of XXXX/XXXX/15 and that is incorrect. The correct balance that is owed is XXXX. I have sent several complaints about Navy Federal and Navy Federal keep messing up my credit by reporting wrong information. Navy Federal should be held accountable for continuing to mess up my credit report and score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My student loan was sold to progressive financial due to default on a student loan. I have made attempts to rectify this debt but was told to pay more. Progressive financial has a history of illegal practices with multiple complaints. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over the past year I have attempted to request assistance from Wells Fargo for a mortgage loan modification. These attempts were requested by my wife and I with no success. Due to the lack of assistance from Wells Fargo our marriage has suffered and my wife and I legally separated in 2015 late in the year. I provided a copy of the legal separation and Quit claim deed documents to Wells Fargo and I have not had any response from them to reconsider the loan modification using my income only. The present interest rate stands at 6.25 % which is approx. 2.00 % higher than the national average. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Bank of America on XXXX XXXX, XXXX to make my payment. The representative refused to take my payment unless I give her my driver 's license number. I verified my full name, full social security number, date of birth, full address and password on the account, but refused to give her my DL #. I hung up after she refused to so many tries. The next time I call, the representative took my payment and agreed to remove the late fee, because the representative should not have refused my payment. Every month this has been repeated. 
Finally on XXXX XXXX, XXXX I spoke to XXXX, a supervisor, who told me to pay {$66.00}, because he saw when the problem started and that would take care of it. I paid the {$66.00} and he supposedly took care it. I called today to make my payment and was told my minimum payment due is {$110.00}, because I keep getting late fee every month. I asked to speak to a supervisor. XXXX XXXX came on said she is a supervisor located in Arizona and repeated the same thing. I asked her to read the notes the last supervisor put in when I paid the {$66.00} on XXXX/XXXX/XXXX ; she said she did then told me I have to pay {$110.00}, because I have been later every month. I asked her to listed to the calls from XXXX XXXX, XXXX and XXXX XXXX, XXXX. She did not care. I told her I will file with the CFP complaint and wait to make my payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX account. I have even contact XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I terminated the lease on my vehicle ( a XXXX Nissan Sentra leased through Nissan Motor Acceptance Corp ) on XXXX/XXXX/15 when I purchased a new vehicle. I understood that I would have to pay all payments up to my contracted date. I signed the odometer statement and left my vehicle at a non Nissan dealership. My sales person informed me that I was all set, gave me an approximate number of how much I owed NMAC since he had called them to find out, and informed me to call the finance company on Monday to confirm this amount and to pay it off. I was also informed that I had to give my plates back to the DMV, and promptly mailed them back to the DMV later that week. On XXXX/XXXX/15 I called to confirm the amount of payments I owed to the finance company to pay the lease off, which i had estimated to be approximately {$700.00} or so. This is when I found out about a disposition fee that was never mentioned to me in the car buying process. I attempted to make a few calls to get this waived but was unable to get this fee waived. On XXXX/XXXX/15 I made a payment of {$740.00} to the finance company for the remainder of my contracted payments. I was told that in 4-6 weeks I would get a final statement with the disposition fee and any other charges I may have incurred. I started to get concerned XX/XX/XXXX when I had not received any mail from NMAC, so I had decided to contact them on XXXX/XXXX/15. They claimed to have not received my odometer statement. I promptly called the dealership I dropped the car off and asked that they resend the odometer statement to NMAC. I called NMAC back on XXXX/XXXX/15 to confirm that they had received the statement and was informed that they received it on XXXX/XXXX/15, but that my car had not been grounded. The dealership informed me that they had contacted NMAC to pick up my vehicle but they had yet to do so. NMAC denied getting word from the dealership that my car was waiting to be picked up. It is now XXXX/XXXX/15 and my car has yet to be picked up or have a set date to be picked up. Earlier this week I asked to be sent a signed copy of my lease contract, which I was informed that I would receive in 24 hours. I have yet to receive a copy of my signed contract. I have made all my payments except for the disposition fee and at this point feel as though I should not have to pay a disposition fee to NMAC. This process should not be that difficult and I have had to call them and confirm multiple steps of the process have been completed wasting my valuable time. I am unhappy with the service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I will like to file a CFPB Complaint against Wells Fargo Dealer Service for inaccurate billing practices while deployed. On XXXX XXXX, I opened a car loan with WFDS. On XXXX XXXX, I deployed for 12 months. During this deployment, my loan was not deducted to 6 % as required under the SCRA ( Reduction of Interest to 6 % ) XXXX. The bank was notified and completely aware of this deployment but failed to decrease the interest. 
Also, during this time my vehicle insurance was changed to liability due to it being stored on a military installation. The vehicle was insured and covered by law. During this time, WFDS implemented their own insurance and charged me discreetly. This has caused my loan to fall into delinquency. Currently to date, the loan payment has always been promptly paid on time, never late. 



Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report is showing that I owe XXXX ( student loans ) the entire balance of my student loan, {$2700.00}. The statement reads that I have not paid a cent of the money back. Payment was late from myself to XXXX, but now has been paid in full. I owe them {$0.00}. Any attempt to work this out with the loan company has not only been unsuccessful, but downright hostile. I made a mistake in being late, but ultimately owned the problem and repaid my debt. I just want my credit report to reflect the fact that I eventually paid them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trying to process a short sale. For over 2 months, since XXXX 2015, we have received NO status except " the file is in review ''. Now after 2 months, no response except, " Updated financials are needed ''. NOT ONCE in the last 2 months, when I have called at least every week, they need updated information. Every time I call, I can not speak with anyone who actually can make a decision since it is " in review ''. We have an offer, submitted MONTHS AGO, several Valuations done by the lender, once recently 2 weeks ago, but no response on the short sale. Help 

Company response: Company chooses not to provide a public response
Consumer complaint: When trying to access trans-union credit report I was not able to obtain since they claimed I had already received my credit report this year. I did n't see any information on the site about how to contact them. I would like some assistance with this matter please, I 'm beginning to think I 've been compromised and would like to know what other steps I could take. 

Company response: Company chooses not to provide a public response
Consumer complaint: It happened around first week of XXXX 2015. I got a call from a finance company saying they send me a check for XXXX dollars in the mail and it got cashed. I told him I never applied any loan with you guys. He replied they send me a check without applying and they do it all the time but this is the first time it got cashed. So I told him maybe somebody did some fraud to me and asked what should I do now. I went their next day talked with them then reported to the police. next day I went there again signed the affidavit to investigate the fraud through the bank. I did my part as per they said. After that I did not hear nothing from them. Yesterday I checked my credit and now its showing up on my credit and ruining it. I went there yesterday again and asked them about the status of the case which they say is still not resolved and told me they ca n't remove it from my credit. I did not understand many things in this case. How can I be liable for something which I didnot even know of? How can they send a real check in mail without notice or without applying? How the check on my name got cashed without my signature and identification? Now I feel I got scammed and I need help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to submit a complaint regarding my student loan from Wells Fargo. I have been paying off this loan since XXXX. I pay from {$200.00} to {$300.00} a month towards this loan. My last payment was {$200.00}, of which none of that money went towards the principal balance, only towards the interest. I find it ridiculous that I am basically paying for all this interest, while the principal balance remains untouched. When I took this loan in XXXX, the original balance was {$17000.00}. After making payments for 4 years, my current principal balance is {$15000.00}, only a XXXX dollar difference. After making these monthly payments only to see a minimal dent in the principal balance is disheartening, to say the least. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owned XXXX % of a property with XXXX and XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Texas. In XXXX 2015, I obtained financing and paid off the Ditech mortgage and became full owner of the property. Prior to closing Ditech informed XXXX XXXX that they did not collect enough money from the existing impound account to cover the property taxes which resulted in a {$2500.00} shortfall. Ditech demanded the {$2500.00} tax shortage be paid through escrow prior to closing the loan. I spoke with Ditech Customer Service Supervisors and I was told there was an existing impound account and if I paid the tax shortage through escrow ALL the taxes would be paid directly by Ditech to the State of Texas. Upon receiving this information from Ditech, I proceeded in good faith and paid the tax shortage and the Ditech loan was paid off. Currently, Ditech is refusing to pay the taxes they have already collected and instead, are sending the full tax payment to my partners as a tax refund! Clearly, this is a violation of my consumer rights. The taxes were collected through the impound account, I paid an additional {$2500.00} for property taxes. XXXX XXXX is holding an additional {$6400.00} in an escrow account because the Property taxes have not been paid! If Ditech does not pay the property taxes, Ditech has deliberately misinformed me and collected funds based on false statements made to me. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I ran my credit report in XXXX 2015 to find that the Macy 's XXXX # XXXX was still outstanding. I submitted a dispute XXXX along with documentation proving this account was closed and settled by a third party company XXXX XXXX XXXX XXXX XXXX ) I hired to clear my debt. I have contacted Macy 's several times since to clear this delinquency from my credit report. They have not cleared the status and will not provide a direct line to clear the delinquency. This company has advised the dispute be faxed. I have not received a response to the fax submitted. Please assist. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage processor has severely limited my payment options as a result of their own internal error. This has made it very difficult to pay them resulting in additional fees due to delays they have introduced to the process. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Ditech Financial ( formerly Greentree Servicing ) withdrew {$2000.00} from my escrow account for annual property tax payment to the county. The property was under contract to be sold. Ditech never submitted the payment to the county therefore requiring me to make the full annual tax payment to the county out of pocket. The property has now been sold and my account is closed. I 've contacted Ditech weekly for the past month requesting they refund the escrow monies taken from my escrow account but never paid out to the county. Each time, they assured me they would locate the funds internally and issue a refund. However, this has not taken place yet. Each time I speak with XXXX XXXX, tax manager, he is unsure of where the funds are internally and tells me he hopes he can locate them in hopes that he can have them refunded. As of today, my account has been closed for 30 days as I have sold the property and paid off the loan. The escrow amount of {$2000.00} has not been located and refunded to me and Ditech has not been able to provide me with a confirmed resolution. XXXX XXXX confirmed that the payment was withdrawn from my escrow account referencing a county payment, however the payment was being held internally and would not be sent to the County until XXXX XXXX, 2016. As of now, the funds are unable to be located and are due to me as the property has been sold and taxes paid by account holder. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have written three letters disputing all the items on my Experian Report. I have supplied Experian with the XXXX letter, title and attorney 's letter. I have attached copies of my dispute letter XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. Experian has failed to remove the negative entries on my credit report. I can be reached at XXXX ext XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check? 

Company response: Company chooses not to provide a public response