AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am writing requesting an investigation into the issues surrounding the series of delays and lack of cooperation regarding my appeal for a loan modification with my lender US Bank. I obtained a mortgage in 2009 with downpayment assistance from Tennessee Housing Authority. The property taxes increased XXXX % from what I was told from the closing attorney and title company. As a result of this, the payment increased drastically and I began to struggle making the payments. I sought help via a HUD counseling agency after a representative from US Bank said that I needed to be delinquent in making payments to initially qualify for a loan mod. I stopped making payments and took the advise of US Bank and engaged a housing counselor. After several months of working with the counselor and providing numerous documents as requested, I was told that US Bank could n't approve a loan modification SOLELY because Tennessee Housing Authority was refusing to cooperate due to their presence on the mortgage via the XXXX lien because of the down payment assistance. It has know been over 12 months and no one can tell me why I am being prevented from mortgage assistance that I clearly qualify for based on my sole income being retirement income. I need help and most recently was told over the phoe on XX/XX/XXXX that I no longer qualify because I 'm over 12 months delinquent. First of all, I became delinquent at the advise of US Bank! I believe the position that is being taken is gross negligence and I need immediate help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wallet was stolen while at the airport XX/XX/XXXX. My credit cards, checks, drivers license, state and Military ID, debit card and social security card was taken. All items were reported stolen and the necessary agency 's were contacted. XX/XX/XXXX I was reviewing my credit report online and found accounts that were open in my name, inquiries and charged off accounts. I contacted the Credit bureaus and had a freeze put on my account and started contacting the creditors. I filed a police report and contacted the Federal Trade commission. I completed an Identity theft affidavit for the accounts and inquiries that were on my report. I sent to each credit bureau a copy of the police report and the affadavit from the FTC disputing the accounts that I had no knowledge of and did not authorize. I have been disputing inquires and accounts for 2 years. RS Clark and Associates was faxed and sent in the mail a copy of the police report. I spoke with XXXX XXXX at RS XXXX and Associates who stated she was the manager and to fax the police report to her attention and it would be removed it was sent XX/XX/XXXX ( see fax confirmation that it was sent and received at their fax number XXXX ) and it still has not been removed from XXXX. XXXX is still reporting this on my credit report stating this company is not accepting my police report and is validating using my current address and not the address of the debt. I have sent proof that I did not live at this apartment complex that was rented in my name by providing my license and proof of residence from the electric company several times. I have lived at XXXX different addresses since this was disputed and this company is fraudulently validating each time using whatever my current address is. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have been uploading documents for a loan modification we believe we have a complete package and have been calling and leaving messages to our assigned representative without a response. I also sent documentation to authorize a 3rd party and they do n't seem to be able to locate my documents I have uploaded all of my documents time and time again and I am not getting anywhere I think they rather foreclose on my home they are delaying the process and being unresponsive. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Card stolen - charges exceeded {$8700.00}. XXXX started harrassing me ; I hired an Attorney ; Filed a Motion in XXXX Court Case # XXXX ; settled out of court w/Agreement to pay only my balance owed at the time of Identify Theft Settlement XXXX XXXX, 2013 XXXX. XXXX reported XXXX XXXX reported {$8700.00} as my Income. I have Filed with XXXX Form XXXX w/Police Reports and documents of Person ( s ) who stole my Credit Card was unknown to me, XXXX Bank Credit Card # Stolen ; {$7500.00} credit Approved by XXXX Bank by XXXX XXXX a neighbor residing at XXXX XXXX XXXX, XXXX, GA XXXX ; Police Report Filed case # XXXX and XXXX XXXX Police Dept.. 

Company response: Company chooses not to provide a public response
Consumer complaint: i like fia and do not want to do this. FIA card services i asked for credit line increrase on card ending XXXX was declined for reasons not accurate. i have not asked before now. and i do pay. i was granted XXXX on another card recently. with it this way i will not use it much. these reasons are inaccurate. i ask for someone to check it since i can not wait on hold all day i wanted XXXX line now there is a hit on my credit card line. 

Company response: Company chooses not to provide a public response
Consumer complaint: In trying to negotiate a payment plan on debt on a Wells Fargo credit card- and though I 'm still willing to pay the full amount of the debt, the representative consistently said that they could not advise how this would affect my credit. I insisted on knowing how a payment agreement would affect my credit prior to making a decision on whether to accept the terms, but they could not say how it would be reported. I feel I have the right to know before I agree to terms. And they said I could contact the Credit Bureau 's to ask them. But I know the reporting comes from the lending entity NOT the credit bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech/GreenTree Loan # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started with GreenTree XXXX/XXXX/2015. A full package has been submitted as of XXXX/XXXX/2015. We have left several voicemails and have also reached out via email to our negotiator, XXXX XXXX, with no return calls or emails. Neither will Ditech/GreenTree return any calls from the homeownerDitech/GreenTree ( or whatever they are calling themselves this week ... ) are refusing to respond to the homeowner 's and the Authorized Third Party 's request for updates. This is not acceptable. It is also a violation of their servicing agreement. 

Is Ditech/GreenTree even working on the short sale? Ditech is refusing to communicate with anyone regarding the short sale. How hard is it to pick up the phone and call back? 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: On XXXX my company gave a check to a tenant as a refund for the deposit that he did when rented the apartment to the company. He cash the check sending a picture to his bank on XXXX and my bank ( Citibank ) paid the check. He sent again the check picture on XXXX and it was paid again by my bank he sent again the same check on XXXX and it was paid again on XXXX was paid again. On XXXX was paid again. On XXXX was paid again. On XXXX he altered the number of the check but only on the top right side, not at the bottom and it was paid again. On XXXX he presented again the check and was paid by the last time. In total the same check of {$950.00} was paid 8 times by the bank. 
I think Citibank fail in their responsibility of checking that : the check number was paid before and the check number was repeated, XXXX times the check number was altered and the check were expired and paid after 6 month of the date in the check. After presenting a complaint in Citibank when i discovered all of this when I was preparing the report to pay taxes al XX/XX/XXXX, they oficially didnt answer up to now but the manager of the office in XXXX say that after 30 days they are nor responsibles of what they did and that they will not refund me my money and wont prosecute to the person that did it. 

Company response: Company chooses not to provide a public response
Consumer complaint: FHA is requiring me to be late due to a short sale via a hardship. 

Divorce proceedings were started XX/XX/XXXX and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated daily calls attempting to collect a debt owed by a person with the middle name XXXX with the same first and last name but is unknown and unrelated. Calls are by a computer robo call and only leave a computer message. The calls have been going on for months and could be a scam. 

I have also reported them to the attorney general of Illinois. 
No one needs my SSN. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted Experian several times trying to get a copy of my credit report. I also sent in several dispute letters too. But I have not heard nothing back from them. I do n't know why they are not responding but I 'm pretty sure that it is the law that they have to send me my report once every year and also respond to me when I dispute something on my credit report. I tried calling them but I can not speak with anyone without a credit report and since I ca n't get my credit report I ca n't get anything done. 

Company response: Company chooses not to provide a public response
Consumer complaint: I WAS OFFERED ALOAN MODIFICATION BUT IT JUST STATED A PAYMENT .I REQUESTED SPECIFICS SUCH AS AGGRAGATE BALANC EFINANCED, INTREST RATE, BREAKDOWN OF THE PAYMY AS IT RELATES TO ESCROWS AND PRINCIPLE AN INTREST IN WRITING NOTHING HAS BEEN RECEIVED AS A REPLY TO DATE XXXX XXXX AT CITIMORTGE REFUSES IN HIS OBSTNATE WAY TO PROVIDE INFORMATION ON SPECIFICS .HOW CAN CITI EXPECT A BORROWER TO SIGN ON BLINDLY AND MAKE PAYMENT WITHOUT KNOWING SPECIFICS.XXXX XXXX NEEDS TO BE REMOVED FORM XXXX AND SOMEONE WHO OS SERIOUS ABOUT HOMEOWNER PRESERVATION .HE STATED THEIR WAS NO LETTER OF AUTHORIZATION ON FILE WHEN THERE WAS AS IT RELATES TO MY SPUSE SPEAKING ON ACCOUNT .CITIMORTGE IS HINDERING THIS MODIFICATION AND HASTENING FORECLOSURE LIKE THEY ALWAYS WANTED 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America Loan # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXWe started a short sale with Bank of America XX/XX/XXXX. Bank of America holds the 1st TD position, and also shows as the servicer on title for the 2nd TD. 

There are several issues with Bank of America 's behavior on this short sale. 

1 - We have been trying to find out if Bank of America also still holds the 2nd TD, or to where it was service released for TWO WEEKS. NO ONE will respond to our voicemails, nor our requests in Equator. 
*** Bank of America is OBSTRUCTING the negotiation with the 2nd TD. 


2 - Bank of America repeatedly requests items that do not exist, or that we have already provided. They have been requesting copies of separate business bank statements for the XXXX homeowner, and for XX/XX/XXXX Income Taxes. I have repeatedly sent them SIGNED STATEMENT from the homeowner stating they have not filed XX/XX/XXXX Income Taxes -- this type of statement has ALWAYS been accepted in the past, not only by Bank of America, but every other lender that services short sales. Bank of America has repeatedly rejected this statement. I have also submitted the business bank statements on XXXX - when they were first requested - and Bank of America rejected them anyway. 
***Bank of America is refusing to work on a short sale for someone who has not filed XX/XX/XXXX Income Taxes***Bank of America rejects the exact documents that they have requested - is this another attempt to XXXX the short sale process? 


3 - The Single Point of Contact ( SPOC ) does not return phone calls. 

4 - There is NO ONE at Bank of America that will answer any questions regarding short sales over the phone. All attempts at speaking to someone result in being transferred to a voicemail, which is never returned. Even their normal customer service department, which handles all their financial products, immediately transfers you to the SPOC 's voicemail, saying they have no information and can not help us. 


5 - The negotiator and management refuse to respond to voicemails and messages inside their Equator system. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to access my experian credit report and a message came on, I could not access my credit report at this time. I placed a fraud alert on my credit reports 2 days ago I 'm not sure if that has anything to do with their refusal to let me access my credit report at experian. 
XXXX sent me a letter declining my request for credit and stated their decision was based on information from an experian credit report, if I ca n't access the report how can I dispute any problems? 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I am very frustrated with XXXX program. Where this has been going on for almost 7 years now and I am wanting to report this company incase others are also had issues with them and their Collection company. The company they have turn me over to is MONTEREY COLLECTION SVCS act # XXXX. I have had several harassing calls from this company, day, night even weekends.. I was unemployed back in XXXX and made the biggest mistake ever in ordering a program for " working at home '' this cost me {$59.00}, then the calls started from XXXX, saying they could guarantee me up to {$200.00} a week through their other program. It was a mentoring program where a live coach helps you every step of the way through the training process!! Well needless to say, I only received XXXX calls after that and really no coaching at all.. While I was into my 2nd week I realized this was just a scam and they were training me to sell products on XXXX and XXXX. Online sales.. I already knew how to sell on XXXX and XXXX, in fact I had been listing products on these sites for months. For several weeks I had tried to contact the company and let them know I was not interested in their program.. I was also receiving multiple calls from other companies trying to get me to purchase their program also.. They had sold my personal info to other Online companies, I guess because I had already fell for their scam!!! I finally just emailed them requesting my service to be canceled.. I received no response and figured I was done with them.. Then a few months later It started, I started receiving collection threats. I can attached my replies between me and XXXX. I have looked through my records and ca n't find my email I sent the first 2 weeks into the program, where I request a refund and to cancel my service!! If you can help me at all with this at all, Please let me know. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: law firm bought all of my outstanding credit from credit company and press charges in high courts damaging all of credit history. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to XXXX first then to a XXXX ( XXXX ) Supermarket to cash a tax refund check from XXXX ( I live in XXXX ). 
Both places use certegy ( Formerly Equifax ). Both places refused to cash the check and gave no reason why. I called the customer service to find out why and again, they gave me no reason for the denial of service. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has discriminated against me by listing items on my credit report that occurred because I was emitted in a XXXX as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: TransUnion has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA XXXX as a XXXX XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this XXXX and XXXX. I have attempted to clean my credit report with this firm to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not have an account with Wells Fargo. However when we moved into our new house 21 months ago, they started calling my new home phone number several times a week. They do not leave a message, and if I answer they hang up on me. I have tried to contact customer service regarding this, but get a message that they can not take my call because of high call volume. 

Company response: Company chooses not to provide a public response
Consumer complaint: they block me at every avenue even when I mailed in my request when my credit was denied they are using someone elses credit report in my info and wont give me a copy or change itt or allow me to file a dispute I seen the info at a place to get a car loan but I could not have there report 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX sent loan discharge information to close out my XXXX Loan account with XXXX University to Transunion Credit reporting bureau. Transunion keeps insisting they do n't have discharge information. I have spoken with both XXXX and Transunion on several occasions and XXXX insist information was sent to Transunion. Need help in resolving this dilemma. I file a dispute with Transunion no response to this correction.
Company response: Company chooses not to provide a public response
Consumer complaint: Received a promotional offer to deposit XXXX free miles into my Spirit Airlines account that never materialized despite my opening an account with Spirit Airlines and linking to my XXXX. Never received any additional miles for any purchases for the life of the card. Poor customer service and response time. When I requested to close my account, I was transferred by a rep named XXXX to a woman named XXXX and XXXX told me she could n't assist with that request. Poor customer service is an understatement for this particular credit card company. And false advertising on promotional sign-up benefit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some one stole my indenty theif 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I received a phone call back in XXXX from First Credit Services about a debt to the XXXX XXXX XXXX XXXX XXXX. I had requested a letter stating the amount owed, reason for collection, and what my options are. To date, I have yet to receive this letter. Today ( XXXX/XXXX/2015 ) I received a phone call from First Credit Services attempting to collect this debt. I told the individual on the other line that I would not pay anything until I receive the letter stating what I asked in a previous phone conversation with the company. The individual immediately hung up the line. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Follow up to Bank of America case of XXXX case. 

Company response: Company chooses not to provide a public response