AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015 I was approved for a mortgage modification trial period plan by Ditech Financial LLC ( formerly Greentree ). I agreed to the plan and completed all of the company 's requirements for modification, only to receive a letter dated XXXX XXXX, 2015 from Ditech saying I was ineligible for the modification because I had not submitted all of the requested documentation! I found out at the very last minute they were denying the modification due to a lien placed on my property by the Home Owners Assoc. for past fees due, WHICH I HAD DISCUSSED WITH THEM FROM THE BEGINNING! I asked them initially if they could roll the past due amount into my mortgage modification, which they stated they could not ( so they knew about this lien from the very start ). Since Ditech said they could not roll the amount owed on XXXX fees into the modification, I contacted the XXXX in XXXX for help with the lien. When Ditech asked me for something in writing to substantiate how I intended to catch up on the XXXX fees, I had had the XXXX XXXX XXXX fax them a letter outlining how they were helping me with the issue of the HOA fees. The XXXX XXXX provided me with proof of Ditech receiving their communication, yet Ditech NEVER RESPONDED to the Clinic, but proceeded to send me the denial letter. I should be allowed to have the mortgage modification they approved me for, after I met all of their requirements. Further I will add, the exact person who was in Loss Mitigation working on my modification, NEVER personally returned my calls, nor did she EVER answer the phone. I have never personally spoken to the woman who was handling my modification, no matter how manty times I tried to contact her. All of my phone communication was done with " XXXX '' in Customer Service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited my XXXX distribution check as I have retired. The amount was XXXX. I deposited the check on XXXX XXXX. Bank of America released XXXX on XXXX XXXX. They are holding the remaining XXXX in till XXXX XXXX. I have called and asked them to please release some of the money and they refused. They asked me why I needed the money and what did I do with the XXXX. This money is mine and they were very rude asking personal questions. I do n't understand why it takes XXXX business days to release MY money. I need the money and they treated me like I was a welfare recipient and I wanted something for free. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received mortgage assistance for the state of Arizona 's Hardest hit Program. This assistance helped me make my mortgage payment for a period of time. however, my mortgage servicer ( Shell Point ) is not showing credit for 4 payment sthat were sent. And I have asked them to research and correct this. This request has been pending since 2013. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX 2015, I was forced to pay a Judgment that is reported by a third party for {$1800.00} to XXXX XXXX XXXX, On XXXX XXXX, 2015, I sent a copy of a cashers check and a letter from XXXX XXXX XXXX requesting to Experian requesting to delete or update my credit report. Experian refuses to update, or delete on my file regardless of my request, letterhead by XXXX XXXX XXXX " requesting that to delete it on my file as per request by XXXX XXXX XXXX ''. I 'm unable to rebuild my credit, this on going issue is causing my family financial injury " injury as I 'm unable to have my name added to a mortgage '', 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I wrote the attached check for {$7500.00} from my XXXX XXXX account and deposited it to my SunTrust account. Of material fact, is that I have used the same accounts to electronically transfer to and from in the past since approximately XXXX without any returned checks issues from my XXXX XXXX XXXX account. The extended hold is until XXXX/XXXX/XXXX. 
Notwithstanding, the above mentioned, although said check cleared my XXXX XXXX account on XXXX/XXXX/XXXX, an unreasonable extended hold was placed on my check at SunTrust. I called the call center for assistance on XXXX/XXXX/XXXX, however such was not fore coming. I was advised to visit a branch. Please note for the records that I am XXXX. ( my XXXX XXXX income goes to SunTrust via direct deposit so they could ascertain my claim of disability. ) and such advised the representative of the challenges I have to travel without extended planning. however, I was not offered an alternative option to resolve said. 

I called back the same day of XXXX/XXXX/XXXX and spoke to XXXX management levels, including a XXXX XXXX XXXX, who denied my request to connect with the executive office for assistance. Of Material fact, I am very disappointed that SunTrust no longer has a direct contact information to its executive offices and am thus left at the mercy of the representatives to receive said. 
Please see the attached and feel free to reach me if with additional questions if required. Please advise. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I decided to refinance my mortgage that I had with Citi. I went through XXXX who communicated with Citi on my behalf. Citi told me that in order for me to do the refinance I had to make partial payments. Before this refinance process I had never been late mind you. I specifically asked the agent would these partial payments be held against me and would they count against my credit? The agent told me no. It was a lie. The partial payments that I made were reported to the credit bureau. This resulted in several late payments that have had a significant negative impact to my credit. I have called Citi and no one will listen to me ; just tell me that I was late. I listened to the instructions of my case manager and beleived and trusted him. I was lied to by my Citi account manager and it simply is n't ethical or fair. I want my calls that were recorded to be reviewed so they will believe me ; show that I was lied to by my account manager. I deserve my late payments during that time removed off my credit report. The whole process with Citi and XXXX took about a year. It was a terrible long drawn out process but eventually it was completed. I really need the late payments removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been making my mortgage payments each and every month on time, and have even put in an extra {$100.00} each month towards the principle. I started making my payments in XXXX of 2014. I found errors on their invoices about the due dates that was two months ahead. I let the lender know that this error was on their invoices. About six months ago, the lender sent me a letter stating that I had missed a payment, but after going through with their dispute department, they realized that were wrong and that I had made all of my payments on time which they said they had corrected. But after looking at my future invoices I realized that my principle balance had n't gone down between my payments. The lender has gone back and un-applied some payments and reapplied them back again, but are wrong in their calculations and have caused me to be short on my escrow which has raised my monthly by almost a hundred dollars a month. We are in dispute right now and my original lender has been trying to work on my behalf to correct these errors to no avail, even though my original lender sees the errors, but has been unable to explain to me why this is so. I have just received another letter from this lender saying that they were transferring my loan to another company, I believe this company knows that they are at fault for these errors but some reason, they are unwilling to correct them and passed the loan off the someone else. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am trying to apply for financing for a home and there are items listed that do not belong to me. I have a feeling Experian has merged my credit file with someone else. There is an inaccurate social listed XXXX which is NOT mine and a name I have never used XXXX XXXX. I do not have or ever had a XXXX XXXX account # XXXX or a XXXX # XXXX showing or a XXXX credit card for {$250.00} # XXXX on my credit file. This situation needs to be resolved ASAP. I also have submitted a dispute by mail. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I placed a hotel reservation with Government Vacation Rewards for {$1000.00} on XXXX/XXXX/2015 with my Military Star credit card ( transaction reference # XXXX ). When I arrived at the hotel, I was told my reservation was cancelled. I had to purchase a reservation at a different hotel using a different credit card. I have been trying to get the charge credited back to my Military Star card from Government Vacation Rewards since XXXX XXXX, 2015. While fighting with GVR, I have only been able to recoup {$87.00}. I filed a dispute with the Military Star card XXXX XXXX, 2015. I received a letter approximately XXXX XXXX, 2015 stating they were taking the matter out of dispute, and I need to contact Government Vacation Rewards directly. This is completely unacceptable! 

Furthermore, I purchased an item from the AAFES website that never arrived. I was credited back the amount of the purchase, but not any interest. I was told by XXXX XXXX that he would credit the {$8.00} interest on XXXX/XXXX/2015. I have not been able to speak to this person since that time. I need that interest and all associated interest charges on the {$8.00} credited to me as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2015, I made XXXX payments of {$3700.00} to Shellpoint Mortgage Servicing. According to documents that were supplied by XXXX as well as statements made by employees and agents of XXXX, these payments would cover interest only. The payments were insufficient to cover principal, and in fact were not enough to cover the actual interest in each payment period. The total interest payments in 2015 totaled {$11000.00}. XXXX reported to the IRS that my interest payments in 2015 were only {$8100.00}. This is the figure that was supplied on the IRS form XXXX. There has never been an explanation as to what happened to the {$3100.00} difference. I believe XXXX is violating Mortgage Servicing Rules by either under-reporting interest paid in a year or failing to report on the reason for the difference between interest paid by the homeowner ( myself ) and interest reported to the IRS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are XXXX collection accounts in my Transunion credit file that are older than 7 years and should be removed. In XXXX cases the collection agencies move the open dates of the original debt in order to keep the debts within the 7 year window. This is a common practice with large debt collection companies like XXXX XXXX and XXXX, XXXX and they should be investigated for using these tactics. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dillard 's I had a {$0.00} balance in XXXX, bought XXXX presents in XXXX which totaled {$120.00}. Payment is due XXXX/XXXX/16. Logged into my account to pay the bill on XXXX/XXXX/16 and it showed " No Recent Transactions '' but a balance of {$150.00}. I called to ask why the {$25.00} difference and was told " The system automatically puts a late fee on your account, if your payment is n't made by the due date. '' I said, " But today is the due date, it 's not late until after XXXX ( It was XXXX ). " If I was n't paying attention, I would have paid you an additional {$25.00} that I do not owe you. '' Then she told me " that 's how the system works '' and got very short with me, so I hung up. Bottom line, Dillard 's is charging a late payment on an account that 's just due today. It does n't seem legal to assess a late fee to an account that is still within the payment due date window. I always pay directly to the Dillard 's site, by my due date. It makes me question how many other times I 've been charged a " late fee '' when I was well within my payment window. Their " system '' should not be tacking on a late fee until after XXXX on the date due. 
**Also, there was nothing on the statement that shows the addition of a {$25.00} charge or what it 's for, it just got added to the balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to contact this company for the longest with trying to resolve this issue. They would never answer the phones ; I have also sent them plenty of letters at address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and I also have been calling telephone number ( XXXX ) XXXX. When they first begin to call me I use to get people yelling through the phone telling me that my credit will stay bad if I do n't settle with them now. I would get calls back to back to back but now the phones call have stopped. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SOUTHWEST CREDIT SYSTEMS , L.P . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SOUTHWEST CREDIT SYSTEMS, L.P. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYSTEMS, L.P.any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This company calls everyday about 5 times a day at our office which we just set up a few months ago. This is a place of business and it is a field office. We do not owe any debts, they should not be calling and they should certainly not be calling 5 times a day everyday! It 's XXXX. I believe it 's XXXX XXXX XXXX. I am familiar with their office in XXXX because I use to drive by it everyday and my nephew use to work there. This one is calling from XXXX per my caller ID. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Do to health issues, loss of employment and a divorce I fell behind which sent me in to the foreclosure process. This started in XXXX, I made every attempt to get a loan modification. I was assigned a Single Point if contact, XXXX throughout the 3 yr process. I 've never spoken to XXXX them. I 've spend over 40 hrs on hold, being transferred to n fro from Dept to Dept. I ended up having to file bankruptcy to get them to work with me. This entire bankruptcy cost me more than my arrears. I finally got my loan modification in XXXX of XXXX. Thank you. But because I was still in the bankruptcy process I was n't allowed to make payments online. To make a payment by phone I 'm charged an extra {$15.00} per month. I 've been told for 3 months now I can pay online but when I try, I receive a msg telling me I have to call. Then I 'm charged extra, on hold and bounced to a minimum if XXXX depts and told I should pay online to avoid the {$15.00} charge. I 'd love to. I 'm very grateful to have gotten the loan modification and am doing great financially but feel I 'm still be prohibited from paying in a normal manner, and charged a bogus fee. This month I started trying to pay on the XXXX and was unable to get payment thru til the XXXX due to being bounced and on hold. I have to work, when I 'm available to hold for extended periods the phone lines are closed. Sometimes people really are trying. But the loop and hoop sytem puts them further behind. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were in the process of a loan modification. It was a long frustrating road but we had finally gotten approved for a Partial Claim Modification. We have a trial period starting in XXXX with a payment of {$1400.00}. We were actually very relieved to receive this outcome. Two weeks go by and we receive a letter in the mail from BOA stating that our escrow account was revisited and our new payment would be {$1600.00}. I call my XXXX and ask what was happening. She tells me that something must have changed from last year, such as ; property taxes went up or my homeowners went up. I explain to her nothing went up. I know this because we receive copies of our tax documents and homeowners. She tells me she was going to have a customer service agent come on and explain it to me. The XXXX tells me all the scheduled payments being made to city taxes and homeowners. Everything she is explaining is also in the letter received. My new monthly escrow payment is {$570.00}. I ask the XXXX what was last years escrow payment. She tells me {$610.00}. I thank her and my XXXX comes back on the line. I tell her I am at a loss because my escrow payment actually went down from last year. She just keeps repeating herself, stating that they are not obligated to give me a lower payment. Basically we ended the call with NO explanation on how or why my mortgage payment went up {$250.00} before I even made the first payment. I feel that BOA is trying to take advantage of us in a desperate situation. I am already upside down in this mortgage. We owe over {$190000.00} and the last house that was on the market sold for {$75000.00}. We truly can not afford another {$250.00}. Someone please help us. How is this legal?? 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX Wells Fargo received a wire transfer from XXXX Bank in the amount of {$35000.00} into my checking account, The staff at XXXX XXXX , branch of Wells Fargo ignored my direct instructions ( on more than XXXX occasion ) to " Under NO circumstances were any of those funds to have been placed into my account ''. I informed the branch manager on numerous occasions that the funds were not mine and that if she or the bank ignored me that they would be liable for any and all damages and possibly more. The bank also cancelled my Identity theft protection and denied me of my funds previously in the account and their actions have also caused other damages. I am also filing an Identity theft charge against parties involved since the bank also lied to me and stated " No crime has been committed and we will not contact law enforcement ''. They went on to state " There is nothing that we can do ''. and that is just a small part of what I have learned was also a lie that they stated to me and mislead me. I have documents I have not been able to obtain that do show other costs incurred due to Wells Fargo and It 's employees deceptive actions. They intentionally with malice have done this and the facts of their failure to act prove this as well. Their actions have caused undue stress, loss, damages, and I believe some of the actions are possibly criminal .. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made my house payment online on XXXX/XXXX/16. 1 day before the grace period ended. I logged into my US Bank mortgage account and made the payment. I received the thank you for your payment screen. I then checked my email and I received a confirmation number in an email thanking me for my payment. So I thought it was all good until a week and a half later when I went online and checked my bank account ( NOT US BANK!! ) and noticed they have n't taken my house payment out yet? I went to US Bank site and now it shows a late fees so I called them and the recording also states I made a payment on XXXX/XXXX/2016. I finally got a lady on the phone and she said there was a clerical error. I said okay so you are going to remove the late fee then right? She said no I told her I have a confirmation email and she said that does n't mean anything, I told her there was no error when I made the payment and again she said that does n't matter, I told her that the phone recording says I paid on the XXXX too! Again her answer was that does n't matter! She also said I have to make the payment on the phone now to avoid the payment being 30 days late which will cost me another {$11.00}? How can they say thank you for the payment, send you a confirmation # and say thank you for your payment and the recording when you call says a payment was made on XXXX/XXXX/16 and STILL charge you a late fee? Also why was I never emailed saying there was an error please call or visit the website? What if I did n't view my checking account online and waited for the bank statement to come to balance my account? Is this even legal? I would also like to note that I will only pay online now because I had a past late fee and US BANK said they did n't receive my payment in the mail until after the due date? It was being sent to a location only XXXX state away from me. US Bank claimed they did n't receive it until after the due date.. I sent the payment in 12 days before the due date. Their excuse was they do n't control the post office. 

Company response: Company chooses not to provide a public response