AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am filing with XXXX XXXX XXXX at the same time I am filing with you : This communique is to address my concerns over you reporting me to the credit burrow with late payment and adversely affecting my credit and ability to refinance my loan. This is simply not true, I have paid you the same amount for over 6 years, every month, always on time. This is easy to see in the attacked payment history that covers the entire time that your representatives would send me. I do have ALL of my payments and bills that I can produce if necessary, though my time doing that would be billable. 
XX/XX/XXXX, I inquired with XXXX XXXX XXXX ( XXXX ) to see if I qualified for a restructuring of my load to reduce my interest rates and payments. I was very vocal that I did not want anything with my existing loan to change without my permission. It appears that you did not pay any attention to me and sometime XX/XX/XXXX, without my permission you decided to start requiring escrow from me, which I have never paid. I make all my insurance and tax payments myself. It should be noted that they have always been paid on time and in full. 
XX/XX/XXXX, XXXX sent me a restructured loan packet with a HIGHER interest rate and higher payments. This was unacceptable and I declined it, instructing you NOT to change my existing loan again. I have to instruct you verbally and in writing numerous times before you stopped pestering me about it. However, as noted above, not only did you add escrow to my account, but you did not notify me. You then began sending me notices that my payments were not sufficient and all my payments were going into suspense. I made numerous calls and wrote numerous letters trying to straighten this out. XXXX was very uncooperative and rude on many occasions, refusing to transfer me to managers when I requested. I sent written notice to stop collecting esc row and not to make any payments. However, you still made a payment to my insurance company, even though I was paying them monthly. I had to take my own time to recoup this mistaken payment that you made and returned it to you in an effort to straighten out the escrow issue. All of this should be in your records. 
The above is a brief summary of what has transpired and attached are records of my payments, on time and for the full principle and interest. I want you to do the following : I want remove the " Late Payment '' on my credit history and with all credit reporting institution post haste. This would be the " account 30 days past due on XX/XX/XXXX. I made the same payments as always and the escrow was in dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2011, I was granted a loan modification on my mortgage with Bank of America. In the time since, I have paid my mortgage in accordance with that modification. Last month, I received a XXXX XXXX package with documents on Bank of America Home Loan letterhead and a cover letter stating that there was an error in the format of the documents and they were unable to be recorded at the county recorder 's office. The letter goes on to say that a representative from XXXX XXXX would meet me at my home to instruct me on signing the papers and notarizing them. I did not sign the paperwork. 
Last week, I came home to find a gentleman sitting in a car in front of my home. He said he was with XXXX XXXX. He handed me a letter which instructed me to call XXXX XXXX to schedule a time for a representative to come to my home. He then proceeded to take pictures of my home, and to ask me if I wanted to have a notary visit my home. I told him no and asked him to leave. 
I receive calls daily from an XXXX number. When I answer, no one speaks. I checked the number of the web and forums have shown that it is XXXX XXXX. They never leave a message, and never speak when I answer their calls. 
I am VERY concerned. I personally had my paperwork notarized back in 2011. I have not been able to reach anyone at Bank of America who can tell me what is going on. And given that it is now XXXX years later, I find it very hard to believe that it has taken Bank of America this long to determine that the mortgage was not recorded with the county. 
I feel that either this is an attempt by XXXX Services to get personal information or somehow execute a fraud -- or Bank of America is trying to backtrack on something that they have done illegally. At any rate, I 'm feeling very uncomfortable with the entire situation, and even more so now that someone has shown up at my home. 
Any assistance would be greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: In addition to elevating to OWNER of a home I never owned, Bank of America forwarded my social security number to XXXX so that they could place an ad in the news paper that I defaulted on a loan! I fear Bank of America plans to place the house I DO NOT OWN on my credit. They will not stop harassing me! Since Saturday I have received a certified letter NAMING ME AS OWNER and regular mail. They swore they had fixed this. They lied! I am no where on the home as owner! 

Company response: Company chooses not to provide a public response
Consumer complaint: Allied Trustee Services on behalf of XXXX XXXX XXXX an HOA company garnished my wages in the amount of {$6400.00} for an invalid debt in the original amount of {$1200.00}. I did not oocupy the property in question at the time this debt was incurred because the property was foreclosed and I was evicted from the home. ALlied Trustee Services had absolutely no right to this money. Because of their actions my family and I are again facing eviction because we can not pay our rent. Allied Trustee Services should not be allowed to take these fradulant actions. Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We closed on our home on XXXX XXXX, 2015, signed a HUD statement and loan documents, wired funds to the title company, were given keys to the home and told we were closed and could move in. XXXX hours after closing, we had to go back and resign a HUD, and the statement reflected we were to be reimbursed money, which we still have n't received to this date. On or about XXXX XXXX, 2015, we were contacted by XXXX XXXX at XXXX Mortgage Company, who stated they received their loan proceeds funds back that day, even though she has signed loan documents in her file. XXXX then proceeded to tell me we needed to sign an early occupancy and extended closing date form and that all would be good to go. On or about XXXX XXXX, I was contacted by my real estate agent informing me that we needed to move out immediately because there was a mix up between our lender and title company and that we did not technically close as the deed still has not been filed. On or about XXXX XXXX, I learned that my lender sent our loan funds to the wrong company, being a sister company of XXXX XXXX XXXX XXXX XXXX and the sister company never sent those funds to the XXXX GA branch. Therefore the title company never recorded the deed or mortgage documents. However, we have been living in the home since XXXX XXXX, 2015, and no one ever contacted us to say there was an issue before XXXX XXXX or that we needed to move out until on or about XXXX XXXX. No one has ever refunded our funds we wired to the title company, where is that money? Dry closings are supposed to be illegal in the State of Nebraska, had the laws been followed, we would n't have been able to close, as that title company did not have the funds in their account, only mine and my husbands funds were in their account. My lender will now not provide me with any documentation, ignoring my phone calls and that I need to talk to her boss, who will not return phone calls either. Now, my family is out on the street until something is resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: The selection I made is not the correct, but it is the closest. They did not use profanity or any abusive language. However, they did use scare tactics and hostile techniques. They called and asked me to pay a debt for XXXX. This company has not sent a single written communication to me. They have only contacted me via phone. How do I know they are not trying to scam me? I offered, however, to make a payment arrangement and they indicated that they could not do so. They wanted the money right then and there. When I told them I could not, they offered me an option to go through a 3rd party company to finance my debt. I said that financing a debt was not a good option since it would charge me interest and I am not doing good financially. He said " Ok so thats fine, we know where you live, your phone number and everything " to that i responded that all it was not a good way to talk to me. I requested to speak to a supervisor and they transferred me to a Sr Specialist. She was better, I have to be honest. But towards the end she harassing me saying that she could put me on hold while I called the financing company and tried to get the money to pay. I said I would call back ( I was at work ) and she said " then I will notate that you refused to pay the debt '' I told her " that is not what I said, I cant call right now, and I will call you back '' she then went on to say " calling back is not one of the options '' I said well, I still need to call you back and she said " Ok I will notate that you refused to pay your account, byeeeee '' that is very disrespectful and using their power to mentally stress me out. I would lie for them to more respectful and work with me on a pmt arrangement or at least send a written formal communication. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am disputing late payment entries that Leaders Financial had put on my credit report. It states that I was 30-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time 

Company response: Company chooses not to provide a public response
Consumer complaint: ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed. 

I called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX/XXXX/15 I authorized Macys ( Department Stores National Bank ) to pay my account from my checking account on XXXX/XXXX/15. A letter from was sent to me confirming that this was authorized and would be done. It turns out that the Department Stores National Bank has been updating its system ( did not advise the customers ) and never processed my payment. They accused me of not paying my bill and assessed a late fee against my account. They refuse to reverse the charge even after I provided them with the confirmation # received at time of my processing and letter from them acknowledging I scheduled a payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent a paper from Messerli & Kramer XXXX XXXX. 
In it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. 
Thank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was doing a loan modification with XXXX Bank. It started in XX/XX/XXXX and ended XX/XX/XXXX. On the final modification papers, it was stated by XXXX that the late payments would be removed from my credit after 1 year of making payments on time. 
When I called XXXX after a year, they said no the late payments stay on for 7 years. 
Is there anything I can do about this? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have written several letters in the past and did not have this issue come up. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter? 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a property at XXXX XXXX in XXXX Florida in XX/XX/XXXX. The seller used an attorney to close the transaction. 
A title search was done and title insurance was issued. 
This year XX/XX/XXXX, Bank of America starts foreclosure on my property stating that there was an outstanding loan on the property at the time of closing. There was not a recorded mortgage at the time. 
Evidently my former seller declared bankruptcy and Bank of America realized they did not record a mortgage on the property that I bought in XX/XX/XXXX. Without doing a title search to see that the property changed hands, they recorded a bogus mortgage on my property and is bullying me and has started foreclosure. 
Please help me. I have a XXXX veteran living in the premises and am concerned that besides paying excessive legal bills to defend myself, if I lose this house, he will be on the street. 
Bank of America knows this is frivolous and is trying to steal my house. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account with XXXX for {$85.00} was paid in full on XXXX XXXX. They have put in a delete request with Experian XXXX times, once in XXXX and again in XXXX of 2015. They have confirmed that the debt is paid in full and needs to be deleted. They can be reached for confirmation at XXXX. XXXX can assist. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid an account XXXX XXXX XXXX XXXX 25 days late and it appears on my credit report XXXX Experian only ) as 30 days late. I called Experian to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an account 30 days late even though it may have been less than 30 days late. 

I disputed the account status and the investigation results show that the account will remain as 30 days late. 

I then contacted XXXX XXXX, Director XXXX XXXX XXXX for Experian on XXXX and asked him if paying even 1 day late can show on my credit report as 30 days late and he said NO. 

I do n't understand what is going on at Experian. Customer service and XXXX XXXX are saying contradicting information. 

I am attaching three documents:1. Investigation Results2. Credit Report showing 30 day late payment3. Payment history for XXXX XXXX showing I never paid more than 30 days late4. XXXX Screen-shot where XXXX XXXX says that a full billing cycle must pass before the account is reported as 30 days late 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working with SLS ( SPECIALIZED LOAN SERVICES ) since XX/XX/XXXX. They have ask me over and over again for the same documents as you can see in the documents provided. I ask for a pay off so that I could seek help in other places, they faxed me another clients information then about 2 days later I received the hard copy in the mail ( see attached documents ). Once I notified them of the wrong documents they had given me it was just a few days that I was given a work out payment @ more than XXXX the amount I was already paying. The payment does not add up for the financial proof that I provided SLS on numerous occasions. In the work out payment approval I was told that I was to pay a payment of {$1500.00} for 7 months, from XX/XX/XXXX, thru XX/XX/XXXX, with the months totaling 9 months instead of 7 months. I called my work out agent and she could not explain to me either how SLS came up with the number XXXX. I am working with an agency now for help at a " one time lump sum payments that are behind through one of the Government Funded Programs and what concerns me with that is that I have read several complaints on the Consumer Affairs web site where the lump sum payment was applied to someone else 's account which left them in their same predicament. I need help with this situation not just for me but for everyone that has been taking advantage of from this company. I look forward to working with you to resolve this issue as soon as possible. Thanking you in advance! 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to financial difficulties XX/XX/XXXX and XX/XX/XXXX, we applied for a modification to our mortgage loan with SunTrust. We went through the rigorous paperwork several times as the modification was denied several times unless " we sent more information ''. Through it all, I was assured more than once that the property would not go to foreclosure as we were in constant contact. Finally, we gave up and sold our home. SunTrust was paid immediately all back payments, fees and interest. SunTrust was notified almost daily of the progress on the house sale. THE PROPERTY DID NOT GO INTO FORECLOSURE! There is a comment on my credit report that says " Paid Foreclosure '' which is completely UNTRUE. Total misrepresentation and defamation of character - and it will show for 7 years?? This is completely unacceptable! Why would a large mortgage company ( owned by XXXX XXXX XXXX by the way XXXX take the time to publish this blatant lie particularly after we did our very best to save our home. And then did the right thing and sold it so they could get all their monies! They got all their money - why cause us more misery after the year of agony trying to keep our home. I have made it a point to repeat this story to friends and associates so as to protect them from SunTrust!! And I will continue to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: Good morning, I review my credit information and notice that there is a name reported as mine and it does n't belongs to my person. My full and legal name is XXXX XXXX XXXX. The name that appear is XXXX XXXX XXXX and is an error, maybe someone try to use my information. I will really appreciated any help in the matter. 
Thank you very much for your time, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX student loans serviced by Citibank. I fell on hard times around XXXX. My situation got better and I was able to pay in full what I believed to be the full amount for the XXXX loans. That was an error by me. Zoom ahead to XX/XX/XXXX and my wife and I are looking to purchase our first house. Our credit score and down payments are in order. To my dismay XXXX loans are still showing a balance. I take responsibility for not realizing these were not included in the full amount that I paid in XX/XX/XXXX. However, when I tried to pay the remaining two loans I have been told that I can not pay on these because they have been charged off and that Citi is no longer collecting on them. Months later I get a XXXX in the mail regarding a cancelation of debt regarding these accounts. This seems accurate since the loans were charged off. However, now I am still being charged interest and the account is showing that these accounts are in collections and payments are now overdue. I call to fix this issue but am told that there is nothing that they can do as the loan has been charged off and they ca n't collect on it anymore. This does n't make sense because they are reporting that I am over due on my payments and it is open and in collection. I 'm simply trying to get this taken care of one way or the other in order for me and my family to purchase a house. I 'm not looking for any handouts but simply looking for accurate information and customer service agents who can provide accurate information or who are able to get me to people who have that information. This has been very frustrating in many different levels. I just do n't know what to do. Please help if you can. Thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe that Stonegate Mortgage is improperly stalling my short sale. Most mortgage servicers are required to approve or deny a short sale within 30 days of receiving a completed application. If this applies to Stonegate, I think they are trying to get around this requirement by continuing to ask me for more paperwork. Since XXXX 2015, instead of a decision, I get monthly letters demanding additional paperwork. Sometimes Stonegate asks for additional information, other times they ask for the same information but in a different format, and they have even asked again for information that I have previously told them does not exist. ( I am working with a lawyer and even he says that Stonegate is the hardest company he has ever worked with. ) I have an offer on my house but event that is not enough for Stonegate to give make a decision. 

Company response: Company believes it acted appropriately as authorized by contract or law