AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: ComplaintMy wife and i filed for CH XXXX in XX/XX/XXXX, XXXX XXXX in Arizona. One of our creditors was " Citibank '' wherein we proposed to treat CitiBank 's claim, which was secured by a second deed of trust on our XXXX at XXXX XXXX XXXX XXXX. XXXX AZ XXXX that had a value of less than the amount owing on the first deed of trust, as an unsecured claim which would share pro rata with other unsecured claimants in a {$50000.00} dividend ( the " Dividend '' ). ( See Plan pages XXXX, and XXXX. ) As evidenced by the Certificate of Service on file in the case, the Plan was sent out to CitiBank and other creditors on XX/XX/XXXX. 
The Plan was approved and confirmed by the Bankruptcy Court on XX/XX/XXXX. A copy of the court 's Order is enclosed. 
Since the Plan 's confirmation, we have fully distributed to unsecured creditors, including CitiBank, all amounts required in the Plan ; and a final decree has been entered in the bankruptcy case. All of the Dividend payments have been accepted. In particular, a total of {$3600.00} has been paid to and accepted by CitiBank on account of its claim. 
Upon its confirmation, the Plan constituted a new contract with us and our creditors that superseded the old contracts. Section XXXX of the Plan provides that " the rights afforded under this Plan and the treatment of Claims under this Plan shall be in exchange for and in complete satisfaction, discharge and release of all Claims .... '' CitiBank received its Plan payments and no longer has any Claim against us and therefore must release its lien. 
We received " Notice of Final Decree and Order Closing Case XX/XX/XXXX. Since that date, we have written, phoned, faxed and mailed dozens of requests for CitiBank requesting to release its deed of trust against the Property, recorded on XX/XX/XXXX in the office of the XXXX County Recorder at number XXXX ( the " Deed of Trust '' ) ; but it has thus far failed to do so. Even our attorney has written, but to no avail. 
However, they refuse to take any action. We have an urgent issue necessitating the sale of this property immediately, but are unable to do so because of the lien Citibank refuses to remove. And now, we have received a letter asking for a " Voluntary " payment of $ XXXXin order to release the lien on the property. ( enclosed ) If unable to have this removed immediately, we will be totally financially destroyed after meeting all of our financial responsibilities under the Bankruptcy court requirements and obligations. 
Thank you for your Assistance, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed XXXX ( XXXX ) accounts with XXXX XXXX on my credit report. The original creditor has considered the accounts to not valid. Experian has not provided me with any information to validate the investigation, and has told me that they will not investigate it again, nor do they have to provide me with any information about their investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have reported this XXXX times now it keeps getting added back to my credit reports. I live aboard from XXXX to XXXX returned to XXXX XXXX, XXXX and XXXX reporting debts I do not owe. They claimed accounts were opened in XXXX. I first became aware of the problem because of XXXX and subsequently with XXXX filed reports with police collection agencies and XXXX. Others taken care of XXXX keeps getting placed in bureaus after it is removed. My passport documents I was not in country when this account opened. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXXThis loan has been closed since XX/XX/XXXX. The unit was sold by fannie mae on XX/XX/XXXX for and amount of {$83000.00}. The balance showing on my account should not be there, since the unit is no longer in my name. I released the unit to XXXX in lieu of foreclose. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a collection account on my credit for {$290.00} for service I never used. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a collection account on my credit for {$290.00} for service I never used. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX notification was sent to me via XXXX party of a NOD that was listed on my property, which is my primary residence from Franklin Credit Management Corporation. I was not notified of such NOD via registered letter as required by law. 
I have made request for modification in accordance with XXXX, Ca. Franklin Credit Management Corporation has not responded to a letter I requested several documents in a letter dated XX/XX/XXXX as well as letters dated XX/XX/XXXX. These were all RESPA, QUALIFIED WRITTEN REQUESTS which have not been responded to within the 20 days. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by Rash Curtis & Associates about a debt owed to XXXX XXXX XXXX. I informed the person I was speaking to that the debt was paid. The representative of Rash Curtis refused to confact XXXX XXXX to confirm payment even though I provided them with the time and amount of payment. Instead Rash & Curtis threatened me by saying that they will report what they believe to be my lack of payment to credit reporting agencies. I continued to tell Rash & Curtis that the debt was paid when the invoice was received. 
I spoke to another employee of Rash after realizing that the first employee was not interested in helping me resolve the matter. The second employee of Rash was also rude and disrespectful. While I understand that they are dealing with people who have not paid bills, in this instance the bill was paid. 
They are terrible in terms of their treatment of people and are not looking to help find ways of resolving issues. They refused to confirm with the originator of the debt that the debt was paid. It was n't until I spoke to a manager that I found someone willing to help resolve the matter. I called the place where the debt originated and they confirmed payment. Weeks later I received notice that Rash was able to confirm payment of the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am behind in my car payments due to unforseen personal circumstances. I had established a good standing with Wilshire up to the point of my default and and often paid early. I refinanced an existing loan only to have payment due in just 10 days. I have spoken to Wilshire several times about my inability to pay at this time and tried to work with them. Upon day 30 of my delinquency, they sent a repo man out to repossess my car and continue to call at all times of the day from various numbers. I tried to settle one month with the repo man but he was abusive and would not accept since I was a few days into the second month and he wanted 2 months or nothing. I told him that I was unable to do that and would have to pay my other bills instead. The phone number they are calling me on is my work number and the only number I have. I asked them to stop calling this number as it is affecting my work and ability to pay them back. They have ignored this request and on top of calling me incessantly and leaving nasty voicemails, they are now calling my references and have called one of my references at least four times that I know of. One of the calls they made to said reference was yesterday -- just after I had spoken to them and told them NOT to call my references since they know how to locate me. XXXX from XXXX XXXX ( the same number they call me on then leave a message to call XXXX which is Wilshire ) called at least one of my references at yesterday XXXX XXXX, AFTER my conversation with them at XXXX XXXX. This tactic is used to embarrass, harass and humiliate me ( I told them I know this is an unfair practice under the Fair Debt Collection Act ), not to mention ruin my reputation in a community I have worked hard to establish a name and a business. They know how to locate me! I had just talked to them! I told them I have every intention to get my account paid up and will do as soon as I can. It may be another 30 days, but could be sooner since I am in sales and have several deals in the works. Wilshire has proven they do not want to work with me, but harass and embarrass and intimidate me. If you read other consumer comments on the Web this is a typical tale, and many say do n't take a loan with Wilshire! Generally, I can not have no conversation with these people since they talk over me and are not interested in anything I say. It 's just " pay up or else ''. I am available and can be located as I said, but I do not answer every XXXX # call coming into my phone assuming it is a solicitor and I use this line for business and I am often with clients or need my phone available for incoming and outgoing business calls. Also, when I looked up the number they are calling me from XXXX it is listed under " Westlake Financial '' with whom I have no known business. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The collection agency is attempting to collect debt I do not owe. They are attempting to " balance bill '' after the original creditor was paid what they agreed to accept from my insurance company for services. They have placed it on my credit reports and also have called excessive number of times to my place of employment. They have also let my coworkers know that the call was about a debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citi refused to generate my credit card statement for the month of XXXX. My last statement was generated on XXXX XXXX, and then I requested a change of statement date on XXXX XXXX, when a Citi rep told me that the request would n't affect XXXX ( 2015 ) statement generation. Now, Citi has refused to generate a statement for the month of XXXX, saying that the new statement will only be available on XXXX XXXX. 

As a result of this, I 'm not going to have a statement for the month of XXXX, and thus, I wo n't receive any signup bonus ( XXXX points ) that I was promised. I was planning to use the signup bonus ( worth {$660.00} ) to make a travel booking, and because of incorrect information given by a Citi rep, I will have to make alternative arrangements. 

When I pay {$450.00} annual fee for a credit card, I expect better service. Citi reps are very unhelpful. 

Company response: Company chooses not to provide a public response
Consumer complaint: I see on my credit report that there is a collection account for something I have never used. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans Union letters have been sent wrong information and on XXXX accounts wrong lastname some one used the credit cards other than my self I ask Trans Union to sent meproduce document proves my name none the amount of the accounts are worgI have sent them letters its been more than year. 

Company response: Company chooses not to provide a public response
Consumer complaint: The charge commonwealth financial has been calling me incessantly everyday at all hours of the day and have sent a letter trying to collect a nonexistent debt. They have sent a report to the credit bureau. The charge first came into the credit bureau by them XX/XX/XXXX. No time before has this ever been on my credit record. They are claiming a hospital stay in XX/XX/XXXX was not paid and that the hospital has not been able to collect. The hospital has not ever sent me a bill in that quantity. I was insured at that time by united health care and they covered my bill at that time. This is the first time I see this charge. They claim to have bought this " debt '' from a company called XXXX ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to work out my mortgage with select portfolio servicing for over 8 years now they refuse to give me an accurate accounting on my loan balace, they have refused to abide by the settlement they made with the federal goverment on the loan modification they were required to offer me. A princpal reduction, reduced payments and a at market interest rate. They now have told me my mortgage is discharged and there is only a lien on my property. I have proof of {$42000.00} paid to them which I am attaching. They allowed my home to go through a tax forclosure sale that i had to reedeem. I have attached proof. I have attached proof they ordered my locks changed on my home while i was in bankruptcy and under bankruptcy protection. As of 2 weeks ago the contacted my attorney with XXXX offers on my mortgage XXXX at {$130000.00} at 7.78 % interest with approximately {$100000.00} in princpal reduction the other option {$130000.00} at 3 % interest for 30 years with a {$140000.00} ballon payment at the end of thirty years. This is just bizarre I recived a call from one of there agents and was told i did not qualify for the goverment settlement that it expired and this was the best I could do. I told them that was not true and i was was being lied to again. There continued harrassement is effecting my life and health. This company continues to harass me and will not provide me or my attorney with answers. I dont no where i stand what is going on with my home. I want the lein on my home discharged or a proper mortgage with with credit for all payments made at a proper interest rate with all there phoney fees removed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: United Mortgage Company shared private financial information such as IRS Form XXXX & employer XXXX forms with persons not employed by United Mortgage and through unsecured email servers in violation of the provisions of the GLB Act. When contacted regarding this incident, they defended the practice which indicates it was not an isolated instance. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Wells Fargo bank got A direct deposit from XXXX of {$730.00} of XXXX XXXX XXXX XXXX and the bank closed her account and refused to give XXXX XXXX her Money at XXXX of there banks on Thursday XXXX XXXX 2015 as far as we know they still have the Money. XXXX XXXX XXXX XXXX, XXXX -- XXXX -- XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: in 1998 we put our home in our sons name due to health problem. we knew he took a mortgage on it. we have lived in our home 31 years. when we saw it in the paper it had been foreclosed on we immediately went to our banker, got a loan approved had our insurance lined up. everything was ready all our banker needed was to know how much money to send and who to send it to. that is when the nightmare started. we couldn not get them to send us a pay off amount. Our banker and the closing lawyer was constantly sending emails and calling try to get it. once they sent XXXX it was only good till the next day. our banker told them he had to have 48 hours to finish the paper work and write the check. The next payoff they send was out of date when we received it. While we were trying our best to pay them their money they had the foreclosure sale now they are sueing to evict us from our home. We have plenty of documentation showing how hard we all worked trying to save our home. They would not cooperate with us at all. The closing attorney that was helping us was checking the paper work he could get his hands on said said there was a glitch in the deed. The deed they took the mortgage on has our physical address on it but the land description does not include the land our home is on I do not think they have the right to take our home we have owned for over 30 years 

Company response: Company chooses not to provide a public response
Consumer complaint: Both my parents and my uncle received phone calls from the same debt collection agency stating I owed them money. I do n't know how they even got my family 's contact information. I have never used them as references for anything nor would I give any debt collection agency to speak with my family about a debt. This company harassed an uncle I do n't even speak to and threatened to have me arrested if he did n't pay. This same company continuously called my parent 's stating that they would be sending legal paperwork to them. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Phoenix Financial Services is trying to collect false debt from me, has sold false debt to other companies who are now trying to collect from me as well and has reported one of the false debts to the credit bureau twice. I was checking my credit report when I noticed some very jarring negative claims in my report that were false. No other company especially the main collector a hospital has ever charged me with this unpaid debt much less over XXXX dollars worth of unpaid hospital bills. After calling the company charging me with the higher bill they said that the company that sold them this debt was Phoenix Financial Services. I made a report on that company as well for purchasing false debt and trying to collect it. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained Bank Of America with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sir/Ma'am, I 'm currently serving in the XXXX XXXX XXXX . I 'm hoping you can assist me in the short sale of my home XXXX AZ. 

Due to military obligation I moved from XXXX XXXX XXXX XXXX, XXXX to XXXX location for XXXX year in XXXX XXXX. After my XXXX year XXXX XXXX XXXX sent me to XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. 
While I was deployed for a year my wife and family continued to live in thehouse in XXXX XXXX. Right before my return to the states we decided to putthe house up for sale in XXXX XXXX. We moved out of the house at the end XXXX and headed to XXXX XXXX. During this time payments were made onthe house yet there were no offers. Around XXXX XXXX I requested to do ashort sale through our lender Wells Fargo because I could no longer continueto maintain XXXX house payments. We are currently living in base housingwhich cost about {$1400.00} a month and the mortgage in XXXX is about {$1400.00}. 
I owe about $ XXXX on the house and we were offered a rather low offer butthe bank denied the offer and said they need a minimum of around $ XXXX tobreak even. To my knowledge this is not what a short sale is all about. Notto long after that we were offered $ XXXX on the house. The offer was sent upto Wells Fargo but they did not reply after 3 weeks and the buyers backedout because they took too long. Now my realtor says there is another offerof $ XXXX on the table and I feel like this will fall through. I 've sentWells Fargo all the required information ( finances, justification, etc ) inregards to doing a short sale. The house has been on the market for almost19 months now and I 'm at loss right now. The longer this takes the worse itwill get. Wells Fargo has been less than helpful with a short sale. It seemslike every other month or so we have a new point of contact and no one wantsto talk to me or my realtor. This is the short side of the story if you haveany questions or options I would appreciate any help you can provide. I'mcurrently XXXX and will not return until XXXX XXXX. 
Thank you for your time. 

Company response: Company chooses not to provide a public response