AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is not your garden variety foreclosure complaint, and your kind attention to this matter is very greatly appreciated. Back in 2009, during the height of the economic and housing crash, we fell behind on our mortgage after I was laid off from work. After going through foreclosure mediation ( read : please move out of your home before we get midieval on you ) we entered into and completed XXXX loan modification programs over the course of XXXX years, of which, the XXXX modification was a HAMP approved modification with assurance that the modification would proceed pending our successful completion of the trial period. The prior XXXX trial periods we entered into seem to in retrospect have been deceitful attempts to collect payments - only with no real path to a permanent loan modification, as the lender would n't inform us of their decision to modify until after we completed payment plans, which we did ... and they did n't. 

In total we have made $ XXXX in trial payments to the lender on home valued at between $ XXXX and XXXX depending on the state of the real estate market here in Florida during this time. 

In XXXX different trips to court, we consistently presented substantiating documents that we have meet every trial period payment obligation, including the HAMP approved trial payments and all trial period obligations including credit counciling, and new employment ( to qualify financially ). The court ultimately dismissed the case for reasons that include the plaintiff could not verify paperwork the court wanted to see, and the plaintiff attorneys in court argued that the HAMP approved loan modification documents were not a true, authentic offer but just an assurance they might modify the loan. This gets to the heart of why I am contacting you to issue this complaint. We believe the documents were an authentic HAMP approval as they laid out all the terms for modifying the loan, including interest rates, exact amounts of principal reductions, and exact amounts of XXXX payment bonuses, and included statements that they would modify the loan pending our successful completion of the trial period. 

Ultimately, we did complete the trial period successfully and the lender failed to issue final loan documents for us to sign. They have never contested our completion of the trial period, they just simply never sent us the documents. 

Now to the present, we have received an influx of new pre-foreclosure letters from the lender, including among them, an explanation that the HAMP approved modified loan was never issued because we failed to sign the loan documents! This letter, accusing us of being the reason the loan was n't modified because we failed to sign the documents is the proverbial " final straw that broke the camel 's back, '' and we believe is worth your consideration for initiating an investigative inquiry. 

There is no doubt we will be sued again, and we will fight once again for the loan modification we have worked so hard for, but hopefully during this process we may have an advocate in you and your team at the CFPB. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased XXXX pre-paid Visa cards at XXXX at XXXX XXXX grocery store for the total of {$1000.00} for my family as gifts each card totaled {$250.00}, i have had numerous calls to Visa who knows the cards were compromised and where, i have had no help from them on this issue!!, I filed an XXXX XXXX dispute for {$250.00} on XXXX of the pre-paid cards and won, leaving a balance of {$750.00} they owe me, they sent me a replacement card with a balance of {$55.00} on it? ( still owe me {$190.00} on that XXXX ) then my sister was able to use hers for {$110.00} until it was compromised and a thief stole the rest of the funds, she was told that she won that dispute but they did not send a replacement card or any way to get the funds back, they owe me {$570.00} plus fax and other expenses thru this process, they expect me to be able to reach an associate at their phone # XXXX ( XXXX ) XXXX never returning my calls ( even though i 've faxed all per tenant information and included all info they request on the answering service ), it has been a total nightmare and their hiding behind the veil of a large corporation that offers NO help or resolution to this issue, i have a paper trail and all receipts pertaining to this transaction and have had NO help, i 've called numerous people and have NO resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been applying for a mortgage through US Bank. I use a local bank and they sell their loans to US Bank. The Underwriting team at US Bank has been completely unprofessional throughout the process. Whenever they have requested documents I have provided them in a timely manner. After that happens the underwriting team changes what they need. They have been unavailable for any discussion and continually put my loan request at the back of the pile with no regard for my scheduled closing date. My closing was scheduled for last Thursday at XXXX. At XXXX that day, obviously 4 hours prior to closing, US Bank made up a new issue that prevented me from closing. I immediately took care of that issue, and yet we are now a full week since that time and the Underwriter is showing no urgency at getting back to my file. I am sitting and waiting. I feel that this is an unacceptable way to treat a customer, and simply an unacceptable way to treat a human. When I have tried to resolve the matter with US Bank they tell me that they can not help me without a loan number, but my issue is the failure from US Bank at processing my loan request so I can not provide a loan number. It also takes a full week for US Bank to respond asking me for my loan number on a complaint involving them not finalizing my loan. I wish I had a loan number, if that were the case I would not have a complaint. I would like US Bank to treat me as a valued human being and resolve my issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a trial modification from XXXX Mortgage in XX/XX/XXXX. We made all XXXX payments to XXXX on time. We received a letter from XXXX stating they were transferring our loan and if we did n't get the final modification before it transferred on XX/XX/XXXX our new investor would be sending it to us. Long Story short it has been since XX/XX/XXXX since we have been dealing with Shellpoint Mortgage and to this date we have not received anything from them except for foreclosure warnings and extra fees etc. from them. When I call they tell me to just ignore the, We have continued to make all our payments to Shellpoint everymonth Since XX/XX/XXXX without any statement etc. from them. I have ALL documentation from the lender including XXXX apology letters from them about this matter. I have asked assistance from the State of CT Banking Commission and a HUD Counselor. They have advised me to file a complaint with you as well. They have written and called Shellpoint for the last several months and the matter is still not resolved. This matter is very lengthy I have all letters going back from XX/XX/XXXX from we were approved for a modification, letter dated XX/XX/XXXX from XXXX regarding the transfer of our Mortgage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion sent a disrespectful letter answering to some disputes on my credit report telling me that my dispute is frivolous. What kind of company they are? 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX and I live in Virginia. 
Almost XXXX years back I went to service my car at a XXXX here in XXXX, Virginia. 
I was told by the front desk that I can apply for a Good Year card with 0 % and I did. 
After getting my car serviced, I was told that since I got qualified, I do n't have to pay anything at the store, however I will receive a bill at home with my Good Year Credit Card. 

I did not receive anything from Good Year for almost XXXX months and since it did not strike my mind, I too did not followup. 
I went to the same store after XXXX months and after enquiring about my previous bill, I was surprised to hear that the my case has gone to collections since they send me the bill but I never paid. 
On hearing this I was shocked because I have never done this kind of thing and its not correct. But more than that, I was shocked and surprised because I never ever received a bill from Good Year till date. ( even till date I have no communication ) I immediately went home, called good year and cleared all the bill via my debit card. 
Then I even closed that account. 

Now after these may years, the good year company is hurting my credit. I am trying to purchase a singly family house but because of this dent made by good year, I am able to get only XXXX credit score, and thus not getting loans with good APR. 

I request that since I have cleared the bill long time back and closed the account, please remove this entry from my credit please.. Honestly, this is not my mistake so kindly do not make me and my family suffer. 

XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. 
Feel, I 'm being taken advantage of buy best buy credit services. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, Wells Fargo Home Mortgage gave me a pay off amount of {$110000.00} and this amount was good through XXXX XXXX, 2015. XXXX XXXX XXXX requested from Wells Fargo {$430.00} from my escrow account and according to XXXX, employee at Wells Fargo, They issued the money to XXXX XXXX XXXX. Today, I questioned why Wells Fargo gave my escrow money to a party that was not authorized by me to use my escrow account, and he did not know. XXXX XXXX XXXX requested my escrow account and it was issued to them I was never informed of this prior to happening. Wells Fargo has since changed my pay-off amount to XXXX. XXXX XXXX XXXX stated that the payoff was sent to Wells Fargo Home Mortgage on time. There should not have been an additional {$220.00} interest charged to my pay-off. Also as of XXXX XXXX, 2015, I had changed Insurance companies and Wells Fargo was notified but never paid my new company the premium and I found out that XXXX had cancelled my insurance after no response from Wells Fargo, therefore I was not insured from XXXX XXXX, 2015 through XXXX XXXX, 2015, and was not notified. 

My XXXX Statement from Wells Fargo the escrow was XXXX which they gave to XXXX XXXX XXXX and my XXXX escrow would have been approximately {$320.00} which they took {$220.00} as additional interest. Since when can a financial Institutions just transfer my money to another financial institution without my permission. Wells Fargo and XXXX XXXX XXXX are not concerned for my welfare as a customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received several calls from a company called Advanced Capital Solutions about a payday loan that I supposedly received from XXXX. I have informed them on all of the calls that I am not aware of what loan they 're referring to & have repeatedly requested information in writing stating who I owed the money to, when loan originated, whenwhen the funds were deposited into my account, when they tried to withdraw the funds from my account & how much I owed. They said that they would send me an email which I never received. I then received another phone call today in which I asked the woman to send me the information via postal mail since I never received the emails that they supposedly sent & she refused saying that it would be too costly to the company to send anything through the postal service. I did, however receive an email but it only stated that I owed {$530.00}, it contained no other information that I requested. I suspect that this is a scam attempting to collect on a old debt or debt that I know nothing about. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made an overpayment of {$0.00} on my Citi/AAdvantage Platinum Select Card a few months back. Got my XXXX 2015 statement and it shows no credit. The balance is XXXX out. The Account Summary section of the statement shows the following adjustment : Post date : XXXX/XXXXDescription : Balance removed due to XXXX mos inactivityAmount : $ XXXXXXXXThis is the XXXX time of all my 30 plus years of credit card history to encounter such an adjustment on account credits from a credit card issuing bank. I also wonder how many accounts Citi Bank has XXXX out and pocketed the gains from account holders. Encourage the CFPB to look into the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I..XXXX..am DISPUTING THIS CF-GOV CASE # XXXX ; where as the discrepencys of Wellsfargo training there hired venders, and there Employee 's trasspassing on my real proporptys, violating the Us protection Privacy Law 's of the United State 's of american over the phone , and there Contacting systems locacated in out of US State, And World wide.. : These employee 's state they donot have to give the State or Federal tax Id # 'x or proof 's of acklly working for Wellsfargo, or are not required to have a State Number with they are targeting consumers on the collection 's on Mortgages, or they state they also do n't have to give there Federal Finance Registrations ID numbers independently operating against FHA/HUD, Or VA Loans. The Crimes of changing the these Loan Address 's to aquire other people 's real propertys, I really belieave these are Federal crimes., And the US Government is not doing anything about it to protect the US Consumer 's privacy 's or inforcing compensation 's for hardships placed on Consumers from there opperating praces in a fuadulate manor also know as racketering, and international laundring of fund transfer 's. // case # XXXX -- -- WELLSFARGO-XXXX ! ... ./ used-court : to rob me, restraine me from my propertys-they moved, took my house items then, lefted i went to court/they did-not appear/judge cooper dismissed the case and told me to return home? I was never helped in paying this loan from XX/XX/XXXX to XXXX and my personal propertys were never returned, nor did the Insurance compenstae me me at that time ; XXXX XXXX '' When she lefted : On return : XXXX XXXX Sheriffs break out the glass doors : my bank account informations address 's had been stollen ; changed to a XXXX address of XXXX XXXX XXXX XXXX XXXX, ILL.,XXXX, had been paying also a on a $ 300,000ins-policy that was on the mortgage payments on me : have been spearheaded-buy peoples that have been fruading me, free legal attorneys-AZ, Bank accounts, XXXX retricted me from having an account in the-bank-over XXXX were taken. ; XXXX XXXX per the US Passport agency: 

Company response: Company chooses not to provide a public response
Consumer complaint: Please help me, there was a judgment filed a while ago that should have never been files as the debt was paid before it was ever filed. I disputed the item several times which the only agency reported is Experian, they stated no they would not remove so I had my attorney go to the courts and obtain a motion to set aside, which I attached. The judgment should have never been filed and everyone agreed. Why is Experian not complying with the law? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never lived in the states of XXXX, or XXXX or XXXX XXXX in XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by telephone XXXX XXXX, 2014 to setup a home business with a website to get income from click referrals to the XXXX site. The next day they called and I charged {$10000.00} on my credit cards to them for the following services : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. The charge appeared on my credit cards from XXXX XXXX XXXX, XXXX. Which they said was their financial arm of their company. They then referred me to another company, XXXX XXXX, to get business credit. I had to pay XXXX {$2200.00} for the credit. Therefore XXXX did not provide the business credit the promised. On XXXX XXXX, XXXX I was contacted by them again saying there was a mistake in the charges and they would give me {$500.00} off if I helped them correct it. They wanted me to charge {$9500.00} to XXXX where it should be and tell my credit card company that XXXX XXXX XXXX did not provide any services did not provide any services so the charge would be reversed. I did this and they fought it with the credit card companies in order to get double payment. I was finally successful in getting the original charge reversed. XXXX XXXX XXXX XXXX has {$9500.00} of my money and I did not receive any services for the money. I have contacted credit card companies to remedy the dispute. They simply refuse to even allow me the opportunity to dispute. These companies drag you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. Please ensure that they open an investigation and remedy this situation. There should be an exception made for me as it is fraudulent in nature. I am already in connection with the Attorney General 's office, and they are assisting me on their end. Please help me advise the credit card company that for this purpose allow they should open the investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern, I 'm filing this grievance against Select Portfolio Servicing ( SPS ) for failure to record new terms to my loan with XXXX XXXX County records. A loan modification is a permanent change to the loan terms and I 'm seeking to reduce the possibility of future issues in the event that my loan is transferred to a new servicer. Primarily I 'm concern here is the fact that I 'm reassuming a debt that was previously discharged in XX/XX/XXXX prior to completion of a loan modification on XX/XX/XXXX. 
Per the California Bill of Rights it is required that lenders record loan modifications. 
A recent decision by the XXXX Circuit Court of Appeals underscores the critical importance of timely recordation of mortgage interests and the ineffectiveness of the " earmarking '' and " contemporaneous exchange for new value '' defenses in the face of the strict timing rules set forth in section 547 ( e ) ( 2 ) of the Bankruptcy Code. Lenders should take note of a XXXX Circuit decision earlier this year in which the Court of Appeals highlighted the importance of timely perfection of security interests and mortgages. Rejecting XXXX defenses commonly raised in preference actions, the Court of Appeals held that a lender who takes more than 30 days to perfect a mortgage interest in real property XXXX have that interest voided in a mortgagor 's bankruptcy case if the perfection occurred within the 90 days preceding the bankruptcy filing of the mortgagor. 
I 'm seeking assistance and demand that SPS immediately record my new terms accordingly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I owned a house in XXXX, MN. There was a major flood in XXXX and the house was destroyed. There was no flood insurance but there was PMI. I initially contacted XXXX ( my original mortgager ) and tried to do a deed in lieu of foreclosure. They denied this and sold my debt to a debt collector. It is currently with Select Portfolio Servicing , Inc, who has agreed to do a short sale with the city of XXXX, who has offered to purchase the property in a community development drive. Since Select Portfolio 's agreement to do a short sale, I have - at their request - provided them with bank statements, financial statements, copies of my XXXX, agreement letters from the city of XXXX, etc. Each time I send the information, they say there is something missing, or a date needs to be changed, or whatever else they can come up with. I provide the corrected info and they ask for it again and state that they did n't get it all together in time. I continue to provide what they ask for, but the end result continues to be that they run out of the allotted time amount and I need to start all over again. I have had everything they requested turned in on time but they say they always run out of time. I do not know how to get them to follow up on the sale and am very frustrated. The city of XXXX and the closing company involved with this have been very good to work with over this 3 year debacle but I am at my wits ' end. If there is anything you can do to assist, I would be very appreciative. Thank you! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account. 

Company response: Company chooses not to provide a public response