AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Last summer I purchased my first home and took out a mortgage. When evaluating different mortgage lenders I compared Citibank to XXXX XXXX and XXXX. Citibank was not the most competitive on rate, but they told me that if I chose a Citi Mortgage, I would not incur minimum balance fees on my Citigold bank account after I withdraw funds for my down payment, because the mortgage balance would count toward my total Citibank relationship. I chose the Citi mortgage because of this benefit as I wanted to avoid any minimum balance fees after buying my home, and I wanted to maintain my Citigold status because of its several financial benefits. For the past 15 months everything was fine, however last month I received a minimum balance fee of {$30.00} for the first time. I was told by Citibank that they are no longer honoring their policy of counting a mortgage towards a my total relationship with their bank. They misled me into choosing a Citibank mortgage with them based on this policy being in effect. When I was first evaluating what mortgage provider to select, I evaluated the costs of paying fees on my Citigold account and using a different lender who had better rates versus choosing a Citi mortgage and avoiding Citigold fees. I ultimately chose the Citi mortgage so that I had the ability to keep lower bank account balances while still keeping my Citigold status. The Citigold status provides certain financial benefits that factored into the decision. There were absolutely zero disclosures on my mortgage documents relating to the potential risk that their policy of counting my mortgage as part of my total banking relationship could be be cancelled at any time. I thoroughly reviewed all of my original mortgage paperwork and find no reference to the risks of these changing policies. I was led to believe that this policy was fundamental to the mortgage, and that it was something never at risk of changing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unemployed and applied for the Keep Your Home CA program ; was a few days late with my XXXX 2015 paymt to BofA when the online payment system asked for a reason I told them I was working with KYHC. They started sending me home mod./foreclosure alternative paperwork via overnight XXXX and calling me daily and sending me letters requesting documents. I repeatedly notified them of the status and progress with KYHC and was even told at one point I would only be called one time per month for a status check. I am called at least weekly by " XXXX '' and asked the same questions. I received letters from her ; most recently one stating they will be receiving funds from KYHC, but she still calls me on XXXX/XXXX/15 wanting to know when they will receive XX/XX/XXXX Mortg. pymt. I am current! I have been current. I am current on my now second mortg.! She claims the letter is auto-generated ; has no clue what is being sent from her own organization ; calls and sends letters constantly ; I am current, they will get paid as always ; Bof A will never get my property ; why do n't they spend their money playing their precious employees to spend their time calling people who are behind? Or is all of America on time with their mortgage? I reached out to Bof A 3 years ago for assistance when I fell behind due to taxes owed ; since I was not underwater, they made my HELOC a second mortg, my fixed rate a 40 yr mortg. and now I can not refinance ; but I obtain help from KYHC and I can not get BofA to leave me alone. I am current and they will not stop calling and sending me letters, that is harassment! They had NOTHING for me when I needed their assistance, what possessed them to flood me with calls and modification paperwork once I informed I was working with KYHC? Less is more apparently. I will lean toward keeping them uninformed in the future. I have zero trust in the BofA. I can not wait to get on my feet soon with a job, repay KYHC what little I will owe them, sell this property, gain the equity I have in it and never again allow BofA to carry a home loan for me! 

Company response: Company chooses not to provide a public response
Consumer complaint: i had a business and it went bankrupt. I was sued and settled the debt and received a release, which was filed with the courts. The credit bureaus will not remove the judgement. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I cancelled service with XXXX XXXX XXXX. At cancellation, I disputed the final bill and attempted to return a phone that I was leasing via a letter sent to XXXX XXXX XXXX dated XXXX XXXX, 2015. XXXX XXXX XXXX did not respond to my correspondence, but instead used a debt collection agency. The initial debt collection agency was XXXX XXXX ( XXXX ). XXXX contacted me at work and after a lengthy discussion where I explained the situation, they agreed to take a reduced amount as Payment in Full. 

On or about XXXX XXXX, 2015, I received a letter from a XXXX debt collection agency claiming I owed the difference of approximately {$400.00}. The XXXX collection agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX account number with SCS is XXXXImmediately after receiving the collection letter from SCS , I called the number listed in the letter. I told them I had a letter from the initial debt collection letter proving that I had satisfied the payment in full. I was told that I had to submit the letter as proof. The SCS representative also stated that XXXX had not contacted XXXX XXXX XXXX to let them know that I had settled the account in full with a payment XX/XX/XXXX or XXXX 2015. After reflecting on that, that statement was false because how else would XXXX XXXX XXXX know I had made a payment? 
I requested and received a letter from XXXX that proved I had paid the account as agreed representing payment in full. 

About two weeks later, SCS contacted me with a second attempt to collect the amount of the debt that had been written off. I again called SCS. The first representative transferred my call when I told her I was recording the call. The second representative was very helpful and I relayed the account of what had happened and she gave me the same email address that I has used to send the letter proving I had already settled the account in full. I promptly sent the letter from XXXX XXXX as proof. 

On XXXX XXXX, 2015, I was notified that SCS had reported me as a collection notice to XXXX, which in turn negatively affected my credit score. 

The result I want to achieve with this complaint is for Sunrise Credit Services to rescind the debt collection notice to XXXX and any other credit bureau or agency to which they have reported me. 

Secondly, I would like for your agency to investigate SCS practices to determine whether they have treated other individuals as they have treated me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I requested from BOA the closure of my account to stop future overdrafts since I have been having difficluties which have resulted in OD. I asked the bank to close the account to stop paying overdrafts and requested a waiver from OD fees. 
The bank has refused to close the acccount and instead, even after been notified to stop OD, it continues to add OD fees and did not repond to the request other than the bolier plate messages. See copy of messages attached. 
The bank acts in an unfair and deceptive matter since it encourages customers to do as much as possible for account management online, but when this is not convenience for the bank the rules are changed for the bank 's benefit. The account disclosure does not indicate that online request to stop paying OD will not be honored and that the bank will continue to charge fees to the account. In order to settle the matter I will agree to pay immediately the principal amount due prior to the OD plus the additional charges of a low balance fee of {$12.00} this charged was clearly disclosed at the time the account was opened. I would appreciate a waiver of all OD fees since the notification to the bank to close the account. Copies of emails below : 

Company response: Company chooses not to provide a public response
Consumer complaint: BB & T - constant calling harassing us about wanting fees from our son who had XXXX inactive student accounts from years ago. ( They just now came up with {$80.00} in " fees ''. ) He made the negotiated payment and yet they still call and harass us. Now started calling his cell phone while he is at work. This has got to stop. BB & T is harassing us 3 to 5 times a day over an old, inactive student account. Our XXXX year banking history with them apparently makes no difference 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card with Wells Fargo. I previously owed XXXX $ on it. I paid that off a few months ago. I thought I had paid off the entire debt but apparently owed XXXX $ in interest. This was not showing up in my online accounts as being still owed. Eventually I got a letter from Wells Fargo saying they were closing my credit card account and sending the XXXX $ which was now XXXX $ to credit reporting agencies. I have had about XXXX $ in my Wells Fargo checking account the whole time. I called Wells Fargo because my credit card account is still showing XXXX balance. The lady I spoke with said she was requesting this to be dropped. I got a letter about 2-3 weeks ago saying Wells Fargo had researched it and their information was correct. They were reporting it to credit reporting agencies. I called again today and spoke with someone who said he was going to remove the problem from credit reporting agencies because the debt of XXXX $ was based on interest. I do n't understand that. I asked why they did n't just pay the remaining balance from my checking account. He said that his department could not take payments from me. Nobody has offered to reinstate my credit card. I am very frustrated. Incidentally I also have a mortgage with Wells Fargo. I have been thinking of trying to refinance with a different company because I do n't trust or like Wells Fargo. Perhaps they are trying to make my credit worse so I can not refinance the loan, although they are so huge, there would be no reason for them to care about my measly XXXX mortgage. Please assist. I would like for them to reinstate my credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do n't even know who this bill collector is, but they 're calling from XXXX. They are asking for my stepmother who I have n't lived with since 1992, and whose finances I have NOTHING to do with. When I tell them she does n't live at this number and has never lived at this number, they claim she gave them my number, but I know that 's not true. I do n't even speak to her much anymore! Why would she be putting down my phone number? Even if she 's putting my phone number down, I have nothing to do with her debt. 

There is no debt I owe them. They have no right to be calling and harassing me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit reporting company score not calculated due to report of deceased status my father is deceased XXXX XXXX XXXX XXXX not XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXXUSBank Loan # XXXXThe short sale was started XXXX/XXXX/2015 with USBank. Today we were told, by an obviously new and clue-less employee of USBank, that borrower does not qualify for the HAFA relocation incentive " because they did not qualify for HAMP '' So ... .... If someone does not qualify for a loan mod they are ineligible for a relocation incentive???? 


***SERIOUSLY????????????????? 

What does one have to do with the other? 

The employee at USBank was unable to explain why or how USBank came to this decision. 

USBank is obviously understaffed and refuses to train their employees as to not only Federal Guidelines, but also the basics of todays mortgage industry - which includes HAMP and HAFA. 

Does USBank even know the difference between HAFA and HAMP? 


The absolute worst part of all this is that ON USBANK 's OWN WEBSITE it states on page XXXX in the paragraph titled " The Making Home Affordable Program '' : This program has XXXX different options for homeowners - one for loan modification ( HAMP ) and another for refinancing ( HARP ). If you do not qualify for these options, you may qualify for other foreclosure prevention alternatives ( HAFA ). 

It is obvious USBank is purposely not training their employees in an attempt to defraud their own clients, investors and the Federal Government. We already know they think they are bigger than the Federal Government. We have these isues on ALL our files with USBank. If the CFPB would like further information to aid in their next fine against USBank, please let us know. We have closed over XXXX short sales and would be able to provide substantive documentation from our detailed notes, emails, and documents in our short sale files. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account appearing on my credit report that is a corporate account ; Applied Bank. I 've stated on numerous occasions that this should not be reporting on my personal credit report and they will not remove the account from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: They claim I withdrew my credit application. I never withdrew the application 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed an unauthorized transaction in my account and the bank refuses to issue a provisional credit why they are investigating. They told me I have to wait 60 days. 

Company response: Company chooses not to provide a public response
Consumer complaint: i had agreement with wells fargo due to me being layoff, i kept my agreement term, my letter of agreement state that i would pay XXXX for 6 months and after i found a job that my go back to paying what i was paying which was XXXX.well i went back to paying my normal payment from XX/XX/XXXX to XX/XX/XXXX went to bank to make my XX/XX/XXXX payment i was told that my home was in forclose. still no answer wanted me to pay XXXX which i did not have. please help, i have been in my home for 18 years 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, my name is XXXX XXXX and i already send XXXX complains against debt collector XXXX, BOA and XXXX XXXX and their attorney XXXX XXXX! 
I rescinded the alleged loan XX/XX/2015 sinse the court did not go by the rules and did not take my discharge of the alleged debt into consideration. 
They received it XX/XX/XXXX and did not sue me in the 20 day frame.They waived their right to do so. 
so the deed and note is null and void!!!!!!!!!!!! 
Plus they ( XXXX XXXX violated all kinds of XXXX XXXX XXXX laws which i will bring up in Federal courtPlease help 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my home in 2005. My loan was sold and now it is with Bank of America. This bank was not reporting my full payments. They kept raising my mortgage almost as if they was trying to make me loose my home. I asked them for a loan modification several times. They told me not to make the payment so they can process my modification. I did everything they ask me to do and they just deny the modification every time for some false reason. When I show them that I did everything they ask, they start the process over and over again. This has been going on for too long.. Now they are trying to file forclosure on my home. The papers says XXXX VS ME. I never bought anything from XXXX. This bank is really trying to steal my home 

Company response: Company chooses not to provide a public response
Consumer complaint: A Deed-in-lieu ( DIL ) of Foreclosure was negotiated with my lender GreenTree and an acceptance of the terms was delivered on XX/XX/XXXX. In the acceptance letter, GreenTree stated that " Acceptance of this DIL is a " FULL '' satisfaction of this indebtedness. " on XX/XX/XXXX I ran my credit and noticed on XXXX Ditech Financial LLC., started to report me ( 3 years later ) as having a mortgage balance of XXXX which is incorrect and should have been shown a satisfied. I think this also is against the new debt collection law in Florida after a foreclosure, short sales or DIL regarding the collection period. Ditech is ignoring my request to remove this error in reporting even after I set them this information. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I do not have a direct line at work. I work for a company that has busy phone lines consistently from opening to closing. There is one person that operates a switchboard and transfers calls to the perspective parties. I have asked Performant Recovery more than several times not to call my place of employment for this very reason. We are not allowed to receive " personal '' phone calls on our work line. Everytime I get a call my boss reminds me of this even though I know the rule. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been with Citimortage since XX/XX/XXXX when I refinanced with them from XXXX for a fixed rate. After dealing with them with their loan modification for only four years instead of the one I wanted provided by the Obama administration. After going back to my original fixed and reapplying for another loan modification which they rejected saying I did n't qualify even showing what have after I have after paying bills and mortgage is barely enough to live month to month. After giving them a bad rating on the phone when they called me in XX/XX/XXXX. They sent me a letter last month telling that they sold my mortgage to XXXX XXXX. Here it is XX/XX/XXXX and I 'm not able to enter the account number to login in to make payments online like I did with Citi every month on time due to Citi have transfer my account information to them after XX/XX/XXXX and it will take 10 business day or maybe 60 days? I call XXXX regarding if they got my account info in their systems yet. They telling me about waiting for Citi to transfer my account and apologizing for the inconvenience and hitting me about fees for making payments over the phone and online and XXXX about my XX/XX/XXXX payment which Citi already received on time from my bank account on time. I feel that Citi sold my mortgage because I was unsatisfied with their customer service history and felt they did not want to deal with serving my mortgage in Missouri when they had to deal with the settlement their XX/XX/XXXX lawsuit with the federal government last year and they selling off mortgages to others so they do n't have to deal with refinancing them as they possible the government. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 we called Statebridge Company to make a payment. Statebridge first stated they would not accept a payment because our loan was in default. When I disputed that fact the Statebrideg representive stated that it didnt matter and that our payment was past due and that we had to the full amount Total Past Due : $ XXXX.The representative once again refused to take the payment. I reminded him that the Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. When I informed the representeive that he was violating federal law under Dodd/Frank and the CFPB rules and that he was required to accept my payment and he tranfeered me to his supervisors voice mail. 
On the same date I contacted a XXXX XXXX who is allegedly XXXX of the XXXX SPOC and emailed her the following : Dear XXXX XXXXI would just like to notify you that Statebridge Company refused to take a payment over the phone. We will file a complaint with the CFPB and we will record this violation on any future litigation that may be filed. 

I deny that our loan is in default and your refusal to except a payment is in violation of federal and state laws. 

If you have any comments or suggestions to resolve this matter you may contact me at this email addressSincerelyXXXX XXXXOn XXXX/XXXX/2015 I resent the same email and have not received a response. 
Statebridge seems to show a pattern of making it difficult for consumers to make their payments or not taking consumers payments at all. We belive that this may be an organized attempt by Statebridge Company to rack up fees and illegal forclosures on customers, by claiming consumers are not making their timley payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my 3rd complaint against this same " mortgage company '' I 've been trying to get this mortgage to honor the agreement that I had with XXXX XXXX XXXX for 2 years now. I mailed a certified letter on XX/XX/XXXX signed on XX/XX/XXXX to BSI Financial for the following documents to be sent to me. As of XXXX. I have not received ANY documents. The documents that I requested were my Hud-1 Settlement Statement, Copy of the Promissory Note, Deed of Trust, XXXX Uniform Loan Application, Truth in Lending Disclosure, Good Faith Estimate, Copy of XXXX ( XX/XX/XXXX ) ; Copy of tax credit, Copy of PMI/Title Policy. If this company is a legitimate company providing the requested documents should n't be a problem. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT 

Company response: Company chooses not to provide a public response
Consumer complaint: I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for a Citibank double cash rewards credit card. They stated the apr ranges from 12.99 up to 24.99 based on your credit score. My credit score was very high. They approved my application and gave me an apr of 15.99. I was confused as to why I did not get the 12.99 score, considering my credit fico score was so good. I talked with management and they refused to tell my why it how this apr is determined. I feel this is fraudulent to advertise This low apt if 12.99 if you ca n't tell a consumer who is eligible for this and what the parameters are for determining the apr. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for a mortgage loan deferment with XXXX XXXX because I was recalled to Military XXXX. I have an approved mortgage deferment agreement and yet XXXX XXXX still reported me as delinquent from XXXX to XXXX 2015. Thus, this really hurt my credit score and unable to obtain a car loan. Herewith attached is the deferment agreement pertaining to my mortgage. 

Company response: Company chooses not to provide a public response