AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a letter dated XX/XX/XXXX from First Investors Financial Services , Inc. stating that my request for an Auto Loan Refinance was denied due to information obtained from XXXX, a consumer reporting agency. I did not, nor have I ever, requested an auto loan refinance with this company or any company. I purchased a new vehicle in XX/XX/XXXX and it is financed through XXXX and I have no intention of refinancing. I called the company today XX/XX/XXXX to discuss how this could happen, but was told they had no record of this under my social security number and that the social listed on the application was different, but they would not provide any further information. When I requested to speak to a manager, I was told I could not and that they would not provide any further assistance. I then requested my XXXX credit report to confirm if in fact an inquiry to pull my credit report did occur from this company and confirmed it had on XX/XX/XXXX. This is 1 ) an invasion of my personal privacy ; 2 ) damaging to my personal credit record/score and more importantly 3 ) a violation of the Fair Credit Reporting Act ( FCRA ) as this company had no right or legal " Permissible Purpose '' to pull my credit report. The whole purpose of this regulation is to protect consumers such as myself, so there must be action that can be levied against this company for misuse of their authority. I filed a dispute with XXXX today and have filed this complaint with the FTC and the CFPB in an effort to determine what I can do to prevent this from occurring again to myself or others. Thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a tri-plex in XXXX. My first mortgage is with XXXX Mortgage and is in good standing. I have less than {$7000.00} left on this loan so I should be done with payments in XXXX. I took out a second ( home equity line of credit ) on the property of {$200000.00} in XXXX with Wells Fargo to help with expenses at my restaurant. When I closed the restaurant in XXXX, I got a one-year modification from Wells Fargo, reducing the payment in half. After the year was up, I was still unable to pay the full payment of {$1400.00} and re-applied for another modification with Wells Fargo which was denied. So I just continued to pay the original modification amount of {$710.00}. Wells Fargo accepted these monthly payments for the next seven years. I got a couple of letters from them regarding my delinquency and bankruptcy in XXXX and XXXX but they still continued to take my payments. I got paperwork the other day for the beginning foreclosure process. My complaint is, why did Wells Fargo continue to accept the partial payments for seven years knowing that they were going to forclose on the property? 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently read the article about the Consumer Financial Protection Bureau in XXXX magazine. We are involved in a unique and complicated situation and are not sure what direction to take. 
We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX the fall of XXXX with a three year ARM. XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agent 's address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on XXXX properties XX/XX/XXXX, and that the XXXX index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XXXX XXXX and even that interest rate was calculated incorrectlyWe have all the basic mortgage fraud issues including original loan not endorsed, mysterious mortgage assignment recorded many years after the XXXX was created, endless loan modification applications, multiple mortgage servicer changes and harassment/threats to foreclose on us. We have been pursuing resolution to the overpayment and the correct mortgage interest rate since XXXX. I have kept detailed records of all correspondence and have all issues outlined in a timeline summary. 
We have never been late or missed a mortgage payment in fifteen years until we re-financed with XXXX in XXXX. We had excellent credit and we believe our mortgage was added to the original XXXX pool because of our high XXXX score to increase the " average '' XXXX score of the pool. Our income has always been high enough to afford the mortgage payment and our house is worth more than the mortgage note. The servicer XXXX s ) keep sending modification offers to us even though we do not qualify for the modification program. 
There seems to be an endless back and forth between us and the servicers for each property. We continue to write letters asking direct questions that go unanswered. We have recently authorized our attorney to pursue legal action against the servicers and lenders for XXXX properties. The servicer 's response on our rental property was to file foreclosure in XXXX XXXX in the name of the trustee " XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ". A copy of our answer and counter claim is attached to our complaint. 
Thank you for time and consideration. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed the issue and have received no response. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an FHA loan that was being serviced by Greentree servicing. Greentree servicing has since changed to Ditech. Neither company paid the XXXX/XXXX/2015 tax payment that was due. I called on XXXX XXXX, after receiving a delinquent tax notice. I then faxed the notice and the original tax bill to Ditech. As of XXXX/XXXX/2015, the tax is still delinquent, and interest is accruing on the account. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am contacted several times a day by Gatestone and company international. They call on my cell phone and leave automated messages. However, today XXXX XXXX, they left XXXX messages on my work phone. I work XXXX and I am extremely concerned how they received my work number. I work XXXX with an extension, but my extension is not provided on the initial phone menu when you call. When this company tracks down my work number, which is not easy to do, I feel that this constitutes predatory, aggressive behavior. My work was interrupted twice when I had to stop teaching in order to answer the phone, only to get an automated message. Interruptions like the one 's Gatestone is performing could cost me my job. The automated message does not state what type of debt is owed, to whom, or for how much. I can choose whether or not to have my ringer on my phone on, or whether to answer the cell phone or not, but my work phone, during school hours, are for emergencies. When someone obtains information regarding where I work, and performs such convoluted hurdles to speak with me, it makes me feel violated and fearful on who is searching for my information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently do not have any outstanding accounts. The debt collector 's name is First National Collection Bureau , Inc . The only information provided about the creditor is : XXXX XXXX XXXX and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have our house under contract to sell with a closing date of XXXX/XXXX/2015 and have been attempting to get a payoff from Greentree/Ditech since XXXX/XXXX/15. Through multiple emails and daily phone calls from the title company and ourselves, we can not get any resolution. Despite having names and employee ID numbers, when we reference these that person is always " not in this department '' or is unavailable. We were told on on XXXX/XXXX/15 that we would have a payoff no later that XXXX/XXXX/15. When the payoff did not arrive, we were told that we had never been told that, and in fact they had not had any prior conversation with us. We asked for them to pull up the copies of the recorded conversations, ( per their own statement before you talk to someone that all calls are recorded ) and not surprisingly, they do n't have access to them and they are only kept for a couple of days. Today 's story from Greentree/Ditech when we called them went as follows : " The request has been sent to the regional office and we are waiting for it to come back. ". The representative for Greentree/Ditech went on to say that they can not check on the status of the payoff at the regional office because they have no way to communicate with them. They have hundreds of regional offices and no way to call or email them. Sounds like nothing but avoiding to provide us with a payoff. Our mortgage is and has been current with them despite what feel like their attempts to have it in default. Amazingly they never putting the amount of payment due on the statement, if one comes at all. Previously when we foolishly mailed payments they were inevitably " misplaced '' and not posted right away which we learned very quickly so we then paid it over the phone with their company and happily paid a {$12.00} fee to know our payment would be posted immediately. Since then we have had it processed through our bank 's bill pay and have not had any posting problems. At this point we are having to pay {$880.00} to extend our buyers lock to hopefully not lose the deal over their refusal to furnish us with a payoff on our home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this company call my place of employment XXXX times a day it is always an automated system it states my name and continues to state this is a law firm attempting to collect a debt and it provides a number to call back, every time i call the number to find out who this is and why they are calling to my knowledge i do not owe any debts and never recived any notices of collection to my home or job.. i have never been able to speak to a live person the number they provide goes staright to a voicemail and asks me to leave a message and a call back number 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received a Collection Notice from : Credit Protection Association L.P . 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) in the amount of {$1000.00} for undisclosed services provided by XXXX with no specified date. 
I believe that the demand is fraudulent because I can not recall ever having had an account with them or XXXX ever providing me with a product or service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a mortgage with Amerisave for a refinance of a condominium in XX/XX/XXXX. Because the condominium was in a new development, I had been unable to get a 30 year fixed loan with other lenders as they said the project had to be completed first. I had used Amerisave before, so I called the loan officer who had done my other loans and mentioned that I was unable to get a loan on this particular condo until the remaining units were completed. He told me that Amerisave could do the refinance, a 30 year fixed rate loan. I told him that I did not want them to run the credit check and the appraisal unless I was assured that Amerisave could do this particular loan -- a 3.75 % 30 year fixed loan with no points -- on a condo development that was not completed ( although my condo had closed in XX/XX/XXXX ). XXXX XXXX, the loan officer, assured me repeatedly that Amerisave could do this loan. He also assured me that since we had just completed a refinance on my other condominium that he knew I was personally well qualified for both loans. With this assurance, they ran my credit ( which was excellent ) and I paid the {$450.00} for the appraisal. The appraisal came back within a week, and the value of the property was much higher than we expected. The condo appraised at {$1000000.00} and the loan was only for {$560000.00} -- a much better loan to value percentage than when I originally applied. For the next four and a half months, I produced every document requested the same day. I complied with every single document request immediately. The 60 day lock on the loan expired on XXXX XXXX, and leading up to that I continued to inquire why the loan had not been approved and why we were not going to closing. They either would not respond to me, or would request yet another document. I was repeatedly assured that the loan would be approved, they were just swamped. By XXXX I was calling them almost daily to figure out what the problem was. I went to XXXX supervisor, his supervisor 's supervisor, all to no avail, until one day in mid XXXX I was told by his supervisor that Amerisave would never make a loan on a condo development that was not completed and had not yet been approved by XXXX. I told her that this was precisely the threshold question I asked XXXX XXXX before I agreed to pay for the appraisal and go through months of agonizing document production. She told me he never should have told me that and that they would refund my appraisal. I asked her in mid XXXX to process the refund. she then stopped taking my calls/emails. I then reached XXXX XXXX by calling from a different number, and he said I would have my appraisal fee refunded " within a week. '' that was almost a month ago. XXXX XXXX now will not answer my calls, return my calls, or respond to my emails. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: A XXXX XXXX XXXX of US Bank XXXX XXXX XXXX on XXXX/XXXX/15 manually adjusted a check deposit out of a checking account weeks after it had cleared the maker 's bank. At no time have I been issued any notice or option to dispute. They have refused to comply with Cease and Desist so that I can pursue dispute. They have refused to cooperate with external mediation so that the dispute can be resolved. They have refused to issue any form of document regarding how much they claim they are owed on an account that had overdraft protection on a linked credit card account that I was able to pay and close. They blocked deposits or other payments to the account at issue at the same time as the manual deposit. They have only vaguely stated they want cash only delivered in person only to only XXXX XXXX XXXX Branch Manager of US Bank XXXX XXXX XXXX who as in this is not likely to credit the account at a national bank that has no possible options to do so. I do n't live in or bank with that branch at the time or since as one whose ATM never worked either. They retaliate for seeking external mediation. And have completely blocked even paying while continuing to escalate extrernal credit reporting damage and stalking me personally harassing me up to 3x a day with the block of payment, refusing to do other than issue another completely different false claim, taunt, harass while I am at work taunting about falsifying the entire thing, etc. 

They have in the XXXX and XXXX suburban areas of US Bank as well as MN Fraud Division for all of XXXX, refused to comply with Cease and Desist so that I could pursue dispute and resolution of this false claim. 

They continue to and take all these actions with fraudulently created debt which is against the law directed at anybody or any type of entity. 

I am being harassed so continually and methodically, including the XXXX XXXX and other taunting up to 3x a day, that US Bank has become violently dangerous to my personal safety. They are disrupting and forcing cancellations of necessary health care XXXX, etc. 

The time and money they are gouging about this dispute are also in XXXX dollars by now and irreparable damage has been done over this nearly 2 month time frame of illegal collections, illegal credit reporting, and illegal personal stalking to the point of a computer cartoon entertainment on the part of US Bank employee who continues to orchestrate it. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics. 

Company response: Company chooses not to provide a public response
Consumer complaint: A Company named Operating partners LLC and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter ] to collect a debt for XXXX XXXX XXXX for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency Customs and border protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a XXXX letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in XXXX XXXX and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named XXXX XXXX ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I was a victim of fraud to my checking account with Bank of America. I immediately contacted the bank to freeze and close my account ; the guy informed me he would open a claim for an investigation. But could not close the account until pending transactions were cleared, I assured him I had n't made any transaction and it was possible more fraud. After receiving the letter from the bank stating that the claim was in my favor I contacted the claims department again. They assured me that the account still pending transactions and not to worry once cleared the account would be closed. I then went to open another account with the personal banker, explaining the situation to her. A few weeks later I returned to the bank and was informed by that personal banker that the old account was still open, I was angry so she and I reached out to the claims department. Only to get an attitude from a lady who told me oh well it 's my fought and there is nothing she can do for me, so the banker tried to get the lady supervisor name she refused to give the information. After 30 minutes of getting nowhere we decided to end the call and the banker said she would forward the situation to her superior and she 'd contact me. Never heard back from her, a few weeks later the fraudulent charges were now transferred into my new account. Discouraged on how the claims department treats their colleague and customers, I felt another attempt to call would be a waste of time and energy. I then cut the card up and ended my relationship with the bank! It 's now XX/XX/XXXX and I was informed by another bank I had negative activity on my XXXX report. I filed a claim, only for them to tell me that BANK OF AMERICA says the information is accurate on my report! So XXXX fraudulent account that was never took care of, turns into XXXX negative accounts on my report. This treatment is unfair to the customers and I 'm sure against the law and I DESERVE JUSTICE! 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not responding to any of my requests to investigate and remove accounts from my credit report that were opened fraudulently. 

Company response: Company chooses not to provide a public response