AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We have attempted to get a permanent loan modification from Green Tree Servicing for our XXXX mortgage and they have denied us several times, even though we have been on a temporary loan modification for the past several years. They are using an excuse that our loan was originally through XXXX XXXX XXXX XXXX Trust XXXX and XXXX 's the one that denied our loan modification even though all of our payments have been made out to Green Tree and Green Tree is part of the " Making Home Affordable '' program to help people. I tried to contact XXXX but they are out of business. Almost all paperwork since we got the loan has gone through Green Tree. We even went through a government agency to help us with the process and were denied again. We do n't feel this agency knew what they were doing either but that is a whole different story. In XX/XX/XXXX we applied for a modification again and sent over all the paperwork, which is long and involved process. We did not hear back from them until I contacted them in XX/XX/XXXX and they said I have to send over the paperwork again because our pay stubs are outdated now. When I originally sent over all the paperwork everything was current but now they are saying we have to send it again for the 4th time this year! They raised our interest rate to 11.99 % from our previous modification that was at 4 %. Our payment has almost doubled and we can not afford it. We were granted this loan during the time when the banks were over extending people on their houses and we got taken in by this. We have XXXX mortgages on this house and the value of our house is not worth what the XXXX mortgage balance is, let alone what we owe on the XXXX mortgage. Green Tree Servicing people are rude and uncaring. We have made the same payment every month that we have for the last 3 years but since Green Tree raised our interest rate they are now harassing us saying we are late on payments. When I called in to try and work with them regarding them raising our interest rate I told the rep that I can not afford my payment to go up and he yelled at me and said I can afford it, I just choose not to pay it! I have never been spoken to like that by any other company I have dealt with. I feel like they have our loan information incorrect. We have gotten correspondence that contradicts what they tell us on previous correspondence. They send me letters with my account rep 's first name and extension listed but when you call they to speak to them directly you can not dial an extension and the rude people that answer the phone wo n't put you through to your account rep. One time I called and they told me my rep moved departments but then I found out from another person that the rep does n't work for them anymore. Then a month later I received a collection letter with that same rep 's name and extension. Obviously Green Tree is not correct with our information and our loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: After my accident, my gap insurance paid off my Ally auto loan. About three months afterwards Ally called me saying I owed in the ball park of {$250.00}. With no hesitation to pay, the representative said he could put it on a 6 month payment plan, what he failed to mention is it was already late. No documentation of me owing them till a month after that phone call. However I made a payment the day of the phone call through their app which went from a {$0.00} balance to that amount. To pay it off earlier then 6 months I made XXXX deposits {$50.00} the day of and {$100.00} the following day. The next month I paid the remaining balance. Now, XXXX rolls around and my Loan Agent calls me, declared that I had to late payment markings on my credit report. XXXX for XXXX and XXXX for XXXX. I called ALLY, they wanted {$29.00} " late payment charge '' for an account that was paid off on XXXX in full. I called them being transferred department to department, manager to manager with no resolution. Their case that I repeatedly got is I did n't pay my car payment on time. My assumption is the original payment schedule was never changed and the agreement with their representative that was made never got processed. Which brings me back to square XXXX, GAP insurance pays the remainder of the bill. Yet I still owed? In resolution because of all of this I now have to bad markings on my credit report for an account that i was always XXXX car payments ahead on. with no resolution in sight and {$60.00} in late fees that should have never be occurred. 

Company response: Company chooses not to provide a public response
Consumer complaint: When Bank of America did not receive a payment from me on time, or even 30 days after the payment was due, they did not bother to call, text me or mail any correspondence to me. They were emailing statements to an old email address which I failed to update them with however they had my phone number and my mailing address. I was only made aware of the late payment as Bank of America mailed me a letter after the payment was already 60 days late. This letter advised that my payment was 60 days late and as a result my credit would be adversely affected and that they 've lowered my account balance from {$4500.00} to {$500.00}. 

Upon receipt of this letter I called Bank of America to first off pay my account balance of {$6.00} which was initially due on XXXX/XXXX/14. After I paid the balance I spoke with someone to dispute the lowering of my limit and asked if they could retract or note their reporting to the credit reporting agencies differently so it would n't affect me negatively. Their argument to not calling or mailing anything to me was that I selected paperless statements. I brought up the fact that that any debtee will try all methods possible to reach the debtor and collect that payment. They were of no help, the rep. was very rude and they still have not mailed anything, as they promised, with their answer to my disputeAs a customer of Bank of America, I would think that they 'd want me to receive the best service, that they 'd want me to keep a good standing account with them and that they 'd look out for my best interests. In this case I feel like Bank of America failed me and then they penalized me. All of this was totally avoidable had I updated my email address or remembered that I had charged {$5.00} on my card however in the event I failed on my part, Bank of America should 've called me, texted me or mailed a letter to me as soon as they did n't receive a payment when it was due. Instead they mail me a letter after my payment is already 60 days late. If they were capable of mailing this letter, why could n't they have sent me XXXX 60 days before letting me know the payment was late? There should be a rule to protect the consumers and state that the debtee must try all methods available to them to reach the debtor as soon as the payment is late. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and reflect late payments beyond that of my BK discharge. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not. 

1. Accounts that were XXXX reporting as charge offs2. Accounts that were never late prior to BK reporting late payments after my discharge. 
3. Accounts that were XXXX showing recent activity as XXXX days late as recent as XXXX months ago. 
4. Accounts that reflect inaccurate date of delinquency, creditor information, etc. 

Nearly XXXX accounts that are XXXX that have inaccurate account information, status, or other misleading information. 

These inaccuracies make me appear to be a larger risk then I have ; especially considering I have many accounts in good standing and have no other derogatory information since filing for BK in XXXX 2009. These inaccurate information not only projected me as more for years despite rebuilding ; however, it prevents the deletion of information at their appropriate time but having wrong date of delinquencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to XXXX days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX, Transunion and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included. 

Company response: Company chooses not to provide a public response
Consumer complaint: I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT 

Company response: Company chooses not to provide a public response
Consumer complaint: IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO TRANS UNION CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is against Citi Student Loans : I had a loan with the company from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I recently requested a complete break down of my charges because I wanted to make sure I was n't overcharged. I got some of the documentation I requested and immediately determined that the XXXX time interest was capitalized on my loan XXXX/XXXX/XXXX that I was overcharged by {$37.00}. So I called the company to point this out to them and the representatives told me I had to submit in writing how much I thought I was overcharged by and they would look in to it. I explained I had only looked and the very XXXX time interest was capitalized and stopped there because if I was overcharged at that point then everything going forward would have been overcharged. I was again told I need to submit a figure I thought I was overcharged. So I asked if I was being told I had to take the time to calculate the figures for the entire loan including every single payment made over the 5 years I was making payments and I was told that was correct. I told the representative that I 'm pointing out the mistake in the beginning and based on that the company should look over my entire loan, and to ask me to do it and if I do n't that nothing will be done was not acceptable. This treatment seems to be illegal or at least unfavorable to the customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: The following items were non receipt/unauthorized, though given sufficient evidence and back up, I am still being held for the following charges : Transaction Amount : {$4300.00} Dispute Amount : $ XXXXMerchant/Description : XXXX Dispute ID : XXXX Amount : {$2200.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX XXXX Dispute ID XXXXTransaction Amount : {$4900.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX Dispute ID : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: A robocall from Focus Receivables Management asked me to call them but offered no other information. There is nothing I know of that I owe and I will not call anyone without them giving me real information. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: B of A refuses to correctly report my loan as paid in full and closed. The loan was paid in escrow on XXXX XXXX, 2015. I have requested several times through variouschannels yet as of today they still report the account as open with a balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Management is collecting a debt that I do not owe. I paid this debt to XXXX XXXX XX/XX/XXXX. Credit Management has it on my file from XX/XX/XXXX. This is outside of the obsolescence time frame for staying on my bureau. 

I called Credit Management today and they said they do not even have the account in their office. They said it was " withdrawn '' by XXXX XXXX ... yet it continues to be on my credit files. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have received a few credit card applications in my XXXX year old 's name XX/XX/XXXX, what do I do? My purse was stolen from my vehicle XXXX including my and children 's social security cards. Nothing came of it until this. Help me with my next step please! 

Company response: Company chooses not to provide a public response
Consumer complaint: Unannounced, they came into our place of business and started taking pictures. We are not a public-facing company. We are a private call center. They startled my employees. Would n't leave when asked. One girl went home crying. We threatened to call police and they said they had the right to be here. We started calling police and they left real fast. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, claiming to be from STP assoiciates continues to call me at work and call several relatives. I told them to send a debt validation letter and to only communicate with me via US mail. She refused, saying she could call who she wanted, and that this would be a criminal complaint. I reiterated that if there was, indeed, a debt owed, that she should send me a debt validation letter via mail, and she said she would 'just send a summons ' and hung up. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I currently have a new loan with Best Egg. I had a payment due on XXXX XXXX, 2015 that was set to auto debit. I logged onto their website and made my payment on XXXX XXXX, 2015 and they applied it on that day. I logged into their website on XXXX XXXX and it stated my next payment was due XXXX XXXX, 2015. Even though I had already made my monthly payment, they still auto debited the payment out of my account, causing my checking account to go negative. When I called them to find out what the issue was they just stated that the auto debit system is n't tied to the online system and I should have called and cancelled the auto debit. I asked why they would take money when no payment was due and they stated that they have a poor system in place. Can they debit money from my account if I do n't have a payment due and my loan is n't past due? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing this complaint on behalf of my promissory note along with all the paperwork or documents signed at closing here and a state of South Carolina. Going over the documents of a new loan modification I noticed that something was wrong on the documents so that let me to start doing research on these documents in every kind of sources, links and informations. One of the major things that I found out that state laws of South Carolina, is that when you are doing a closing to buy a home or loan modification there shall be present an notary and attorney that 's going to represent both parties and also XXXX witnesses, I definitely understand that this never happened. I understand that I was not given a full disclosure and that the bank fail to do so. I have the original documents that I signed with the notary. The notary sign my copies same as the ones that are or were going to be presented to the bank. Keep in mind there was never an attorney present nor witnesses, except for the one I had present. The conclusion of the closing when all paperwork and documents were signed I signed my wife sign and my mother in law was my witness and the notary signed as a witness as well and then notarized the documents. From that moment I noticed that something was not right. After the 10th day the bank send copies of the closing documents which I noticed that my original copies did not match the banks copies when it came about the witnesses, notary and the signatures. With all the research that I have been doing with TILA, RESPA, Full Faith and credit, Fair debt collection act, XXXX XXXX, USDA IRS and now CFPD gathering all this information makes me understand that the bank has committed fraud and deceptive practices, along with fabricating fake documents, fake notaries, fake witnesses, robo signature, due to an unlawful, illegal, fraudulent, discrimination, and misleading by the bank I demand under the full faith and credit section XXXX that all conventional or individual loan guarantee are back by 90 %. Therefore to surrender or release all documents related to my property including satisfaction Of the security instrument. ( NOTE ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi I found a few fraudulent transactions in my wells fargo account that I do n't frequently use up to a little more than XXXX months old. I was able to resolve with the merchant myself on most of them except one of {$480.00}. Over the entire process, Wells Fargo was unfriendly and not helpful. This {$480.00} transaction happened between the bank and a fraudulent XXXX account which XXXX was not able to identify in the first ACH return request attempt that Wells Fargo made. After a another round of phone calls ( I do n't even remember how many rounds I have had ), XXXX was finally able to because the fraudulent account has everything correct except a non-existing email address. Even this email has my full name correctly spelled. And now this is identified, XXXX needs another " ACH pull back '' from the bank, which Wells Fargo refused to make. Their representatives ( many ) on the phone refused to help me further by saying they never made XXXX attempt, tried to get away by blaming me for not knowing how to prevent identity theft, not reading monthly statement in time, and also refused to direct me to higher level. Please kindly help me on this! 

Company response: Company chooses not to provide a public response
Consumer complaint: My home was foreclosed on over 7 years ago. I worked for the lender that did the mortgage and lost my job in the financial crisis. I have been disputing information on my credit file for years to no avail. The bank ( Wells Fargo ) is reporting XXXX loan multiple times as well as a collection agency that is reporting the same loan so essentially I a being hit XXXX times for the same mortgage. I have also waited the 7 years statute of limitations and the trade-lines are still being reported on my credit file. I have disputed multiple times with both the lender and credit reporting agencies 

Company response: Company chooses not to provide a public response
Consumer complaint: Ex spouse received property in the divorce settlement. Divorce proceedings give the account in question 100 % to my ex as well as the mortgage. Told this to XXXX XXXX as XXXX our names are on the note, but they did not care. Ex spouse is in the middle of a refi with XXXX XXXX mortgage. This action should have stopped them from ever placing a late payment on my credit. Since the ex is in the middle of the refi, he did not pay the monthly amount due, again not my fault, especially since I was not even aware of the situation in the first place. XXXX XXXX Mortgage erronously placed a late payment on my credit rather than the ex spouses credit. I contacted XXXX XXXX and they could care less. They have confirmed the paperwork has been approved and is awaiting my exes signature ( 2-3 weeks they said ) and this mortgage will be his and his alone. I would love to file a dispute with XXXX XXXX if someone could tell me how. Please see page of the attached divorce stipulated judgement granting my ex this property and not me. The account in question is XXXX XXXX Home Equity Loan balance of {$63000.00} on XXXX XXXX XXXX. Please see the attached Stipulated Judgement Page XXXX Item XXXX, Page XXXX, Item XXXX and Page XXXX the last paragraph on page XXXX going onto page XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the XXXX time in XXXX years that Suntrust Mortgage has grossly mismanaged my escrow account. They continue to say I have an 'overage ' in my escrow and mail me a refund check but then immediately raise my mortgage payment saying there is an 'underage ' for the year. 

So I 've made a lump sum payment to Suntrust to cover the 'underage ' and now I 'm being told they ca n't accept that payment because the escrow needs to come from current payments and not a lump sum. So once again I have an 'overage ' in my escrow account for the lump sum payment I made at the advise of a 'mortgage specialist '. 

This continues to happen once a year with this company and then when I call and speak with 'mortgage specialist ' they provide information to correct the issue which always turns out to be incorrect once I escalate to speak with a manager. 

Company response: Company chooses not to provide a public response