AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: There 's a problem with my loan. I am not behind in my payments but I may have to rescind the loan. I acquired the property in XXXX with an FHA mortgage. XXXX XXXX XXXX was then the lender. In XXXX I did a refinance and Citimortgage became my new loan servicer. 
In XXXX I applied to Citimortgage for a Home Affordable Modification Plan. When the bank did not respond to my request, I filed an application with the XXXX for help in getting a mortgage modification. At this point, Citimortgage responded and agreed to work with me on a modification program. Although I was current in my payments, they set up a Forbearance Agreement that relieved me from making the regular monthly payments for three months. I realized that they were putting me in danger of foreclosure but I went along with the program since I was on a fixed, low income and needed to reduce my monthly expenses. 
During the forbearance period, I applied to XXXX for a mortgage forensic audit to be done through the Consumer Mortgage XXXX XXXX. The auditor found XXXX serious violations in the loan documents. I called several real estate lawyers hoping to find someone who could help me investigate the errors, but none of the lawyers wanted to address my inquiries regarding the violations. 
Citimortgage did follow through with the loan modification and my monthly payments were lowered. However, I was upset that they put me back to a 30 year mortgage knowing that I was age XXXX at the time. Now I 'm looking to put my estate in order and I 'm concerned that my heirs may have problems taking over the property when I pass on. So I logged on to the XXXX web site to see what I could find. I entered my FHA Case Number as listed on the copy of the Security Deed from my current lender. When I clicked Submit, the following message came up : " No MINs can be located that match the search criteria entered. Verify the search criteria and resubmit. If you need assistance to make sure your search criteria are valid, use the link to see Help. " Under the Help link I entered my home address. Then an MIN number came up that was XXXX digit off from the number on my copy of the Security Deed, so that the MIN number on the document is incorrect. With all these violations and discrepancies, I 'm very concerned that my property may not pass on to my heirs after I die. 
I 'd like to know : Who owns the title to my home? 
Into whose account are my monthly payments going? 
What do the violations mean that were found on the forensic audit and how do they affect my loan? 
Will I get clear title when the loan is paid? 
I did not contact Citimortgage regarding these matters because I doubt that they would act fairly on my behalf. I would like someone from the CFPB to investigate and find out what my options are at this point. 

Thank you. 
I look forward to hearing from you. 

Company response: Company chooses not to provide a public response
Consumer complaint: My rent check ( {$1000.00} ) was bounced for insufficient funds in my Bank of America bank account, even thou i made a a check deposit for {$6600.00} before XXXX the day before as i was recommended by the bank 's representative. Now they Charged the check to my account and also at the same time a {$35.00} fee for check returned. If they knew the check had insufficient funds and charged a fee, why would they apply the amount of the check on my account balance, forcing my account to remain a day with an overdrawn balance?. 
After doing this, they place a hold on my bank account for {$6400.00} ( first {$4800.00} would be available on XXXX XXXX and {$1600.00} on the XXXX ). However, my complaint comes when i see XXXX different small charges ( like XXXX XXXX, or the grocery store ) that actually were prior the mentioned Check in red on my account, as the Bank of America Representative told me they would charge {$150.00} ( XXXX overdraw charge fee ) only on charges plus the {$35.00} charged already ( {$180.00} total ) my complain why do the bank knowing the check has no funds, is going to be bounced and even charge a fee for it, apply the check amount to my account forcing all other transactions to produce an overdraw fee?. They are obviously forcing my account to be overdraw so they can charge this outrageous amount of fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed and never late. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. This is not correct and they are not honoring the terms of the debt management plan as agreed. They issued some credits for fees, but have not corrected the erroneous credit report with Experian. I have a separate claims for XXXX and XXXX XXXX to do the same. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my job, so I immediately call Pacific Union Mortgage to ask for a payment deferral. It took them a month, but granted me 3 months with a payment of {$5.00} each month. When the first money payment of {$5.00} was due, I went online as I always had and they took off my online payment option. I sent them several emails asking them to fix this problem I finally gave up and sent in a check for {$15.00} ( 3 months ). After several months now, I call to find out why my credit score went from XXXX to XXXX, they said my payment deferral agreement is now void since my {$5.00} payment was late. I had to take a job in XXXX and almost was not able to even rent a house to go back to work because of them. I had to pull money from my XXXX to pay the extra deposit the landlord wanted. I called and told the woman on the phone to get a supervisor to call me to fix this problem since a late payment of {$5.00} is completely ridiculous to void my agreement. My payments were always on time since I obtained the loan with them. They almost want to destroy my credit when I was only unemployed for 5 months. I am a XXXX XXXX and have n't made less than {$XXXX} a year salary in years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My friend wrote me a personal check from his Bank of America checking account. He left the payee line blank. When I walked into Bank of America 's XXXX XXXX XXXX, XXXX, MO XXXX office at XXXX on XXXX XXXX, 2015 to cash the check the bank teller and a female branch manager both refused to honor it. They stated that " Federal Reserve regulations prohibit us from accepting the check ''. My understanding of banking laws is that when the payee line is blank, the bank may ask me to fill in my name, endorse the back of the check, or show proof of ID but may not refuse to honor the check. Please advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested validation upon receiving notice but the letter was lost in transit. Which I will attach proof of that. So I sent a new letter which they signed for and never responded. They continue to report the debt without validation which is illegal under 809 ( b ) of the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was notified by a credit alert system that Progressive Management Systems had reported on my credit report, a collection account that does not belong to me. They ilegally reported this collection under my name and social security on the understanding that this account belongs to my daughter, and adult XXXX yrs old, living on another city. The Progressive Manager XXXX XXXX was caustic and agressive. I told him that was in the middle of a financial transaction that was being jeopardized. They blatantly and flagrantly damaged my credit unjustified, and ilegally. This account was reported and damaged my perfect credit and reputation thus damaging my reputation, morale and financial credibility. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely. 
They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America Mortgage Account XXXX was incurred as part of a normal 80/20 mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XX/XX/XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XX/XX/XXXX. This was not an equity line of credit and it was not a refinance and, being " purchase money '', this debt is protected from collection pursuant to California Code of Civil Procedure, section 580b. However, Bank off America pursued this debt through the use of XXXX collection agencies ( XXXX XXXX and XXXX ) - see attached letters. When we responded to these claims and requested proof of the debt owed to be provided within 10 days ( see attached letter to BofA ) we were not contacted by BofA or its representatives further. Proof of any debt to BofA was never provided. Since that time, BofA has posted a charge-off amount of {$4700.00} related to this account ( # XXXX ) on our credit file. I have contacted BofA numerous times to find out what this charged-off amount is, proof of it being owed, and, if proven to be owed, a mechanism for settling the debt should be provided. Bank of America has been unwilling to provide proof of this debt or any mechanism to settle it. The statute of limitations in California ( 4 years ) has expired on this charged-off balance and Bank of America has no recourse to the debt they claim I owe. No proof of this debt has been provided which is in direct violation of the Fair Credit Reporting Act. I believe that Bank of America has fraudulently placed this charge-off in my credit file for the sole purpose of damaging my good credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to pay my monthly auto payment through my bank. Payment was scheduled for XXXX/XXXX/2015. On XXXX/XXXX/2015 I called AC Autopay inquiring about the payment and was informed that no payment had been received. I called my bank and was told electronic payments are not accepted by AC Autopay, so they sent them a paper check via US MAIL. I stopped payment on the check since no one could verify it 's whereabouts. I then called AC Autopay again on the XXXX. Explained to them that I stopped payment on the missing check so as to please not submit it for payment. I was assured a note would be placed on my account stating the same. My bank told me to wait 24 hours before re-attempting payment as to avoid double payment. I explained to the AC Autopay customer representative the same and since my note was n't due until the XXXX that I still had time. I called AC Autopay back on XXXX/XXXX/2015. Still no record of any check so I proceeded to pay with my XXXX XXXX right then and there. I received my XXXX statement with fees for a returned check. They found and submitted the check to the bank for payment on XXXX/XXXX/2015 and it was tomorrow ejected. Why submit the check if already aware check was cancelled and account was current. And the dates on the statement entries are questionable. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2012 I filled bankruptcy. Coming out of bankruptcy I obtained a Hardest Hit Mortgage at the end of that year, I worked with Wells Fargo to get a Loan Modification which saved my Home. Recently it came to my attention the Wells Fargo is not reporting my current 7 months on on time payments to the credit Bureaus. When I spoke with them they informed me that i did not sign a reaffirmation agreement with the bankruptcy and therefor they would not inform any credit bureau about my payments. I researched what a reaffirmation agreement is and found out that if I had signed XXXX that if for some reason I could not make my mortgage payments, then Wells Fargo could look for me for money if there was a shortfall under the Foreclosure. When I found this out I was very glad I never signed XXXX. However the fact is that I do have a mortgage in good standing with Wells Fargo and I think what they are doing is border line criminal, they are affecting my credit score, which I am trying to improve after my bankruptcy. This practice for any Financial Institution should be prohibited. Please let me know if you can intervene on my behalf or give me some guidance how I can inform the credit bureaus. Thank you my contact in formation is XXXX XXXX - cell XXXX - mailing address XXXX XXXX XXXX XXXX, XXXX, RI XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called " Focus Receivables '' calls our office twice a day, every day. No one responds but looking them up online, they are a fake debt collection agency. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent numerous letters to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. Requesting VALIDATION LETTERS, showing my wet ink signature, that I have agreed to pay XXXX XXXX XXXX, XXXX for this alleged debt they say I owe them. They have failed to provide me with anything other than a copy of the agreement I had with the original creditor. They are reporting this alleged debt to TransUnion, showing it in " Collections " and in the " Remarks '' section, it says, [ TransUnion ], Account information disputed by consumer, meets FCRA requirements. 
My complaint is that XXXX XXXX XXXX, XXXX has failed to provide any validation that I have requested in the numerous letters that I have sent them.So, how can it meet FCRA requirements?? 
I have asked for the following:1 ) The original Credit Agreement that I have with XXXX XXXX XXXX , XXXX XXXX with my wet ink signature on it. THEY HAVE FAILED TO PROVIDE2 ) Proof that the debt has not been " wrote off '' to an insurance company and claimed as a " business loss '' or redeemed through an insurance claim by the original creditor. THEY HAVE FAILED TO PROVIDE3 ) Proof that this debt was not sold to their agency for a lesser amount, and if so what that amount was for. THEY HAVE FAILED TO PROVIDE. 
4 ) Their agencies license to lawfully and legally collect debt in Minnesota. THEY HAVE FAILED TO PROVIDE. 
5 ) Validation of the alleged debt, ( the actual accounting showing a loss to their agency ). 
THEY HAVE FAILED TO PROVIDE Since they have failed to provide any of the above information, yet XXXX, XXXX is still reporting it to TransUnion, along with the remark by TransUnion that it is being disputed but still meets FCRA requirements, I feel that this is in violation of the FCRA, the FDCPA and also Violation of U.S.C. title 18 Section 872, attempts to extort and Violation of U.S.C. title 18 Section 1341, 1342, Fraud and Swindles clause. I request that this entire negative report be immediately and permanently deleted from my credit report. 
They have Attorney XXXX XXXX from XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX , XXXX and I have also written to him with no further response. 

Company response: Company chooses not to provide a public response
Consumer complaint: My brother has a Bank of America credit card he quit paying on a few years ago when he lost his job. He XXXX is a U.S. Army retiree with XXXX, XXXX, XXXX and physical injuries XXXX. He has an XXXX and needs another XXXX. He had XXXX XXXX about 2 years ago, he has spent months in XXXX to no avail, he has had to call XXXX three times in the last few months as he has no memory and takes too much XXXX forgetting he alredy took it. He can XXXX and can not manage his affairs. He lives on about {$1400.00} per month and Bank of America is trying to garnish his bank account where his XXXX social security is paid into. Bank of America has been provided all this information but persists in collection despite having proof his only, meager income is exempt. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I went to a couple car lots and told them to only run my credit with XXXX credit with XXXX creditors only. They ran it through XXXX. I DID NOT authorize that. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report with Trans Union, that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. You will see from the attachment that they have credited back XXXX months of late fees proving the reporting error was made which they refuse to correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am on a donotcall registry and I have no debt and have great credit and I owe nobody. This is a voice generated message asking me to call them back to settle a debt, however they never ask for anyone specifically nor do they give their name or mention the debt owed. Their number is XXXX and the name " Receivablesperf '' comes up. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have spoken to this company several times and in XXXX 2009 XXXX I also find this odd that a complaint of 2009 which was 7 years ago would just now hit my credit. I explained to them that I could not have been in to places at the same time. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am listed as having an outstanding debt on a Holiday Gas Card that was opened in XXXX by my husband at the time. I am in a re-financing phase and have been told that I have an " outstanding debt '' with the Holiday Corp., according to the Credit Bureau. I contacted Holiday and, according to the Holiday credit manager, I never was a secondary on the account. I am listed as being " spouse '' at that time, but not a person who could charge and/or who was obligated to pay this credit card debt. I am now an " ex-spouse '' and the account remains open in my ex-husband 's name. I would like my name taken off of this credit card and my name cleared of any outstanding debt with this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an XXXX XXXX XXXX Aviator Red Master Card that was closed due to a {$14.00} charge that went 90 past due. I was not aware that a {$14.00} charge was posted to my credit card as I made a {$1400.00} payment to this card account in XXXX 2015 to bring the balance to zero. All communication to me by the bank was sent electronically and was never received. I incurred and paid {$120.00} in late fees for the {$14.00} charge. The Bank never notified me that my account was past due and that it was being reported to the credit agencies. On XXXX/XXXX/15 I was mailed a hard copy letter informing me that my account was cancelled and that the delinquency was reported to the credit agencies. No communication of this issue was made known to me by mail before XXXX/XXXX/15. Customer service at the credit card company/BANK is unresponsive. Promises to remediate have been made with no follow up. The credit card company has admitted to me that proper notification procedures were not followed. No follow up or further communication by the card company has been completed. Principal and late fees totaling {$130.00} have been paid even though the original charge in question was only {$14.00}. The primary problem is email communication including bill delivery that likely never reached my inbox due to spam filtering. Lesson learned, do not select electronic bill payment and presentment. Stick with snail mail. 

Company response: Company chooses not to provide a public response