AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I fell behind on my mortgage and made an arrangement with my mortgage company, SunTrust Mortgage to have the funds required to bring my loan current withdrawn on XXXX XXXX, 2016 as I was to receive a bonus from my job. The funds were deducted on that date and my loan should be now in good standing. It has been two weeks now and the funds are in a suspense account at the mortgage company but my loan is still being reported as past due. Furthermore, l I began receiving correspondence from a foreclosure attorney as foreclosure proceedings have begun. I have been in contact with both my mortgage company ( SunTrust Mortgage Company, loan # XXXX ) and the attorney XXXX XXXX XXXX, XXXX with no one being able to explain what happened and what is being done to stop the proceedings. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 ( approximately XXXX ) my daughter and I pulled up the the drive up ATM machine to make a deposit. Upon driving up to the machine I found {$340.00} ( {$360.00} ) still sticking out of the machine from the previous customer. I took the money into the branch ( XXXX XXXX XXXX XXXX MN ) and asked for the manager ... who was n't available. There was long lines for all the tellers so I flagged down a lady walking behind the counter and told her that I found this money in the drive thru. She took it and walked right away and did n't ask for any of my information or where it was found. Two days later I called the branch and asked for the manager and again she was n't available. I asked the lady on the phone if she knew if anybody had claimed the money yet and she said no. A week later I called again and actually spoke to the manager and she stated to me that nobody still had claimed the money. I asked how much time has to pass before my daughter and I get the money back. She stated that we do not get the money and that it actually goes into a dormant account. I expressed concern that they did n't even ask me for any information regarding my transaction to locate the person before me. She stated that even though the machine is a Wells Fargo machine that it is run by a separate company that they do not have access to. She stated that the individuals would actually have to file a claim for the money through their bank, because anybody can use the Wells Fargo machine, and they would be reimbursed that way. When I explained to her that I did n't give the money to the bank and that if the lady who initially took the money had explained anything to me regarding the process that I would never have given her the money and that the entire process was handled very unprofessionally when I went into the bank. I NEVER GAVE THE MONEY FOR THE BANK TO KEEP and would like it returned as if I was originally told the process for the customer to file a claim to refund their money. 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: MY WIFE WAS CONTACTED ABOUT AN XXXX XXXX XXXX DEBT IN THE AMOUNT OF XXXX. AFTER VERIFYING ADDRESS AND I HAVE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, REPRESENTATIVE XXXX FROM SUNRISE CREDIT XXXX, WENT ON TO LET HER KNOW THE CALL WAS BEING RECORDED AND INFORMED HER THAT THIS WAS AN ATTEMPT TO COLLECT A DEBT FOR XXXX XXXX XXXX. MY WIFE TOLD THEM THEY SHOULD NOT BE SPEAKING WITH HER ABOUT THIS AND ASKED WHY IS THIS BEING CHARGED AS IT IS CHARGES FOR SERVICES I DID NOT RECEIVE. I HAD OUR CELL PHONE SERVICE WITH XXXX AT THAT TIME. AFTER SHE ASKED THIS, XXXX DISCONNECTED THE CALL. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: THIS ACCOUNT DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT IS STOPPING ME FROM GETTING A JOB. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been called by Wachovia dealers services everyday for the past three ( 3 ) weeks. I have a vehicle loan with Wells Fargo Dealer Services, my payment are approximately {$27000.00} per month, I have been payming {$300.00} permonth for over a year now and they are still saying that payments are late and the I am accrueing late charge, they are also charging me for insurance at {$32.00} per month because they say I do not have coverage on my vehicle. My vehicle is covered with full coverage thru XXXX, and it has been proven them to them at least twice. They refuse to remove monthly charge for the insurance and they refuse to even acknowledge that my payments are not only on time but over the amount necessary. I have just received a call from them again, and I will probably get another one this evening, their phone number is XXXX XXXX. Could you please do something to make them stop the everyday calls and to research their records to see that they are in the wrong not me. 

Company response: Company chooses not to provide a public response
Consumer complaint: The terms of the credit card changed from receiving a free night on an every award stay of XXXX nights or greater to only receiving XXXX free night a year if I spend XXXX on the credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I am applying for a loan modification with Ditech, the third lender purchased during the modification process. During the past year my A/C broke and the replacement caused water damage to the newly installed floor ; that I also just happen to XXXX attempting to install ( amputated with a circular saw ). Additional items with my house during the past year alone, I 've had to replace plumbing parts/repair on aerobic system, replace a broken dishwasher and washing machine. 
I was able to file a claim with XXXX, the insurance company my lender enforced for insufficient coverage previously. The insurance adjuster, XXXX ( asked I call him XXXX ), processed settlement claims/checks for the floor replacement, after deductions approximately {$3800.00} ; and advised the A/C payment would be in two installments, with the final installment paid when the adjuster receives the invoice of completed work. XXXX sent the first installment of XXXX {$1800.00}, and I sent him proof of the work that was completed as instructed but never received the remainder settlement check, nor any explanation or otherwise comments/advice. Therefore, my floors remain damaged, as his report will reflect. The checks were issued in my name and Ditech 's, therefore, I sent for signature after receiving specific instructions sending via XXXX. 

The A/C servicer is 'harassing ' me for his payment. He deserves to be paid but I can not pay him until Ditech releases the check paid toward the A/C. I owe {$2800.00} for the A/C, but XXXX 's Insurance Adjuster has decided to dodge my calls ( ID ), does not respond to my e-mails, or text messages ; same or similar actions with Ditech and its claims department. I have been treated as if I 've done something wrong. It 's ridiculous, and I 'm at a loss for much more effort toward working with these crooks ( for lack of better descriptions ). The Claims Department with Ditech, and/or XXXX ( in-house insurance ) have been willing to respond to my inquiries of the final payment toward the A/C repair with the invoice I submitted, nor the release of checks requiring Ditech 's representative signature/endorsement. 
Because of the long-drawn-out modification process, most recently XXXX/XXXX/15 of yet additional documentation and request to complete the entire modification paperwork/pack my credit is less than perfect, so I 'm in a lease program for the large appliances. Instead of replacing the entire A/C unit, repair/replace parts as described within/enclosed and still owe for that {$2800.00} service, I have had estimates, but ca n't replace the water damaged floor because my mortgage company will not release the monies paid on the claim. 
Appreciate your overseeing of the A/C second/final installment based on completion invoice submitted, as agreed/instructed. As well as, enforcing Ditech to endorse and release the funds issued, currently in their possession. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They are calling my cell phone and work number every hour to 15 minutes ... 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX Bank pursued me for a {$140.00} charge that I supposedly had not paid. But I h ad. They recently admitted in writing to me that they had received the payment and had failed to cash it! They had already made a report to the crediting agencies, which resulted in harm by 1 ) reducing my credit limit on other card and more significantly 2 ) interfering with my ability to attain a reasonable rate on a mortgage loan application. 
My last communication with XXXX ( sent via certified mail ) remains unacknowledged and unaddressed. My credit score remains damaged. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XXXX XXXXXXXXXXXX RE : Account # XXXX CONSUMER COMPLAINT/FIRST XXXX RE : ID THEFT VICTIM I was a victim of Identity theft and did not give written or verbal, authorization for this account or any account to be opened with this company. I had a fraud alert in place with all three of the major CRA. I have submitted ALL of the proper and requested documentation requested by XXXX XXXX XXXX. I have sent via USPS as well as faxed requests for the account to be removed from my personal credit report. They have not only refused to acknowledge my repeated requests to complete their investigation that they do internally, they will not stop calling my work cellular phone that they obtained the phone number via their caller ID method of tracking people that are in collections. I contacted this company as soon as I was made aware of the several other opened credit accounts, collections and inquires that were obtained with my personal and private information. I immediately filed a police report, contacted the FTC, OAG office, and the CRA 's to start the grueling process of returning my personal credit score to where it was before this debilitating act of fraud was committed against me. I can not get a mortgage loan, bank account, car lease, or any other forms of banking and or financial products and services now because of this company violating my rights under the Victims of Identity theft ACT, initiated by the federal government. I do not know what more I can do to get this company to respond to my repeated pleading of removing the fraudulent and inaccurate negative information to the credit reporting agencies. I am also at risk of potentially losing my job due to a new policy that is going to go in to affect with my company due to the poor credit score and history that I am being punished with for a crime someone else committed. Please Help Me? 


Acknowledgement from Ohio Attorney General I agree that the information given above is true to the best of my knowledge and belief. 

Thank you for filing your complaint. You should receive an e-mail confirmation of your complaint within 24 hours. 
Your complaint reference number is : XXXX If you have any additional information, please contact the Ohio Attorney General 's Help Center at ( XXXX ) XXXX. Please have your complaint reference number ready. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I believe I received this offer after clicking a sponsored ad for credit card offers on XXXX. A few days later I received an unsolicited prepaid debit card displaying my name in the mail. 
Several attempts to reach a " live '' representative failed and automated methods required a SS number that I refused to supply. I have no active account with this organization, so I see no need to offer any personal information beyond my name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Account is settled and I would like it moved from closed collections to removed collections. the collection company is National credit management. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2016 ( I closed on XXXX XXXX, 2016 ), My lending agent asked me to send him my XX/XX/XXXX bank statement as it was, apparently, missing a page. I doubted that it was ; yet, I was prepared to send it again. It was about XXXX. My lender said he needed that document within a certain amount of time ( about forty-five minutes ) or my closing would be delayed. The pressure was surely on! After several attempts by my wife to take a picture of the supposed missing page and text it to the loan agent, she was told the pictures taken again and again were not clear enough, the agent could not read the document. At least forty-five minutes had passed. The loan agent asked for my username and password associated with my bank account. I was unwittingly prepared to give it to him until my wife adamantly cautioned me against doing so. She said, No! You do n't give out such personal information and should be skeptical of the motives of anyone, who is not supposed to, requesting such. She added ( since we could not meet the one hour deadline ) that the clear to close would just have to wait until the next day. I told the loan agent I could fax the document but it would take more than the time frame I was allotted by him. The agent acquiesced. The process took about forty-five minutes. I texted the loan agent when the document had been sent. The agent confirmed receipt by text. I am offended that the agent asked for such information. What was his motive? Under duress, I was prepared to act hastily. I feel insulted that he deemed me nave enough to break under that kind of pressure to close, dependent on his immediate receipt of the stated document. Was he trying to take advantage of the difficulties my wife and I encountered along the process of purchasing our home -- -- one being having had to change lenders before the loan agent of whom I now speak took over? Requesting my username and password associated with my checking account was wrong. Sketchy? Unethical? I remain indignant. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I applied for a Sam credit card see below : SYNCB/SAMS /Inquiry XXXX XXXX, 2014 SYNCB/SAMS /Inquiry XXXX XXXX, 2014 Sams is reportin XXXX hard inquiries on the same day for the application to all XXXX bureaus, I have not been able to get a response on why this was done. I have also request this to be corrected, I applied once and signed XXXX authorization and was approved. Please assist on getting this resolved, as hard inquiries affect my credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Upon reviewing my XXXX credit report, it showed I still have an open line of credit since XXXX/XXXX/2010, from a credit union I had my checking and savings accounts with until I moved to SC. These accts. have been closed for 6 years. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX on XXXX/XXXX/2015 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Attempted to foreclose on home without reason and proper notice or documents. I also must say that when I notified XXXX of the issues they seemed to really want the issues resolved and did give me the impression that they were not involved in the fraudulent issues at all. I do believe that they were an innocent party in the document production and were not interested in moving forth when they were made aware of the issues. I am filing this claim because it seems that the companies have changed but that they may also have in their files this information in case I have to deal with them as substitute trustees again. I has come back to them 3 times in the past. I have attempted to follow thru so that truly innocent companies are not drawn into where not involved. They listed my home on the internet for sale without notifying me for foreclosure .They were given incomplete info for doing so but proceeded anyway until I contacted them. Had someone not told me it would have been accomplished. I want this resolved 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America recently deactivated my ability to make payments online. They provided a number to call, but I never get through. I do not have time to wait hours to get a hold of anyone. I 've talked through email and online chat, but those individuals tell me to call the number again. I have n't lost any money yet, but technically I will be paying more interest if I have to mail by payment since they are making it inconvenient. I have never experienced this from my other banking relationships. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with Experian in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a follow-up to a complaint submitted on XXXX XXXX, XXXX, ( Case number : XXXX ). This concerns the fact that my current mortgage was sold by XXXX to LoanCare XXXX as of XXXX XXXX, XXXX. It is my understanding that according to CFBP regulations, the new owner of my loan must notify me within 30 days of the effective date of transfer. It is also my understanding that both my old and new servicers must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I have received no notification from LoanCare or paperwork of any kind. I contacted LoanCare on XXXX XXXX to inquire about my loan and to obtain a Loan Number so I could make my XXXX payment. As of XXXX XXXX, XXXX, LoanCare customer service had no record of my social security number in their system and no knowledge of my loan. LoanCare stated that they will not charge late fees for the month of XXXX and that I will receive information sometime this week. However, I have received no written assurances that late fees will not be assessed, and when I asked to speak to a LoanCare manager, they cut me off. I am extremely concerned ( based on their current ineptitude, online reviews and a XXXX grade of " XXXX '' ) that they will charge late fees and my credit rating will be damaged as a result. I am also highly disturbed that this company will be handling not only my mortgage, but property tax and home insurance payments. I am sending this additional complaint to add information to the record should it be necessary to take legal action against LoanCare. 

Company response: Company chooses not to provide a public response