AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have had a US Bank mortgage loan since 2009. I have not been late once until recently when I was being XXXX. I had called US Bank in hopes of deferring a payment until I could visit XXXX, to just defer 1 payment. Upon calling I was treated very rudely, I was told I could not discuss anything with them about a deferral or a late payment until I was in fact late. This was very stressful, knowing what was ahead me was not going to be easy. My auto loan company accommodated my requests with no questions asked and wished me the best. US Bank on the other hand basically told me " too bad ''. I did as they told me to - call back after my loan due date. This was after 2 long trips XXXX. I was n't well and they were still not allowing me any options. They asked for my financial information. I explained I was looking for them to do anything other than just defer a payment during this difficult time. I 'm a single mother XXXX. I promised I would not be late the following month and mentioned I was going to put the house up for sale so I could take care of what I needed to. They said XXXX XXXX, make a regular payment on time, which I did. I was unable to do online, I was forced to call in and they were trying to charge me {$11.00}. Then XXXX XXXX I would begin making regular payments + an additional {$300.00} a month +, for 5 months, to pay back my XXXX XXXX bill. When I did the math I was confused that they were charging me almost $ 300+ for being late. They would not offer me any other options only the option to be raked over the coals for the next 5 months. I have been paying on time since XXXX 2009. My interest is more than {$700.00} per payment and only {$230.00} going towards principal and interest. They could not tell my why I was paying so much penalties. I have reached out to them several times to find a better option with no change. How can a mortgage company be so brutal? The only other option I can think of is an attorney. They have sent me numerous rude letters stating, " You are in default of your mortgage terms '', then it lists out options that are not feasible, including " short sale '', " modification '', " pre-foreclosure sale '' " deed-in-lieu '' of foreclosure, etc ... These are all scary things to see when you 're one payment past due and facing XXXX. I am going to continue to search for a way to stop US Bank. Hopefully I will be able to find a way to make them stop. I am someone 's mom, someone 's daughter and a human being. I can only think US Bank is being managed by robots with no feelings and no compassion for life. One day with the CEO and all the employees their face the end of their lifespan, maybe they can remember all the people they treated so coldly and did n't offer options to. I 'm not asking for handout. I was only asking to defer a payment with no penalties till I could catch up that one month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Stearns Lending LLC is our mortgage as of XXXX XXXX, 2015. We just purchased this home and were only living there three weeks before a pipe broke and flooded the house. There was $ XXXX damage to the home and is unlivable. We have had to move over XXXX miles away from our home one way in XXXX traffic. We are having to travel back and forth to get my XXXX children to classes and activities. Since this happen on XXXX XXXX, the mortgage company Stearns Lending LLC received the money on the XXXX XXXX and told me today that they are only going release XXXX % of the depreciated payment of $ XXXX they received. Also advised we will not send out anymore more until the project is XXXX % completed which is to be verified by their inspectors within 7-10 business days. So you want my general contractor to complete XXXX % of $ XXXX repairs on $ XXXX?? XXXX XXXX is already holding XXXX % of the $ XXXX until completion of the job and now they want to hold more. What ... .he has spent more than that by ordering all the new cabinets, granite, tiles, and sheetrock, and then having the plumbing and electrical issues on top of doing all the demo. I am out of our home paying them a monthly mortgage and they are holding the money to get our home fixed so we can get moved back in. I need help! I am having XXXX and XXXX and having trouble driving due to all the stress. My doctors have related it to all this. I need to go home with my family to the house we are paying for monthly without them holding the money to delay this and make it as hard as possible to get it done. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a credit report a saw that Progressive Mangement Services of XXXX XXXX, CA has reported a debt and trying to collect on it, I had advised them in the past the debt is old and and the statue of limitations in California is 4 years and can no longer collect on it, when it was reported to the credit agencies there is no account number attached. I did send them a email asking that they remove the account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Im the mother who paid the student loans, of my sons, XXXX, the loans was paid, but sallie mae, did not report It to the credcredit bureau, they told me, to call XXXX, and I did called andthey said that it should be sallie mae who should report it tothe XXXX credit bureau, they sallie mae, damage my reputationto the XXXX credit bureau. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Profit Recovery refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this company was fully paid, by my new lender, and they did not, reportto the XXXX credit bureau agency, they are damaging my report, theyshould be investigated, they received the money, but they never clearedmy name to the credit bureau, this company should be penalizedfor negligence. 

Company response: Company chooses not to provide a public response
Consumer complaint: there is someone elses name on my transunion credit report. the names XXXX XXXX is not mine nor do I know this person. My name is XXXX XXXX and always has veen 

Company response: Company chooses not to provide a public response
Consumer complaint: Account-Related Errors : Several credit cards that do not belong to me are listed asDerogatory Mark Errors on my credit report. 
Wrong name listed/Personal Information Errors are noted : All XXXX BANK and CITI Credit Cards are listed under the wrong name. They belong to my ex-husband, XXXX XXXX XXXX, as part of divorce settlement. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home loan mortgage was modified due to TILA violations by XXXX XXXX XXXX. The loan came with {$1000.00} per year principal incentive for 5 years provided I was timely in my payments. The XXXX {$1000.00} credit was issued by XXXX XXXX in XXXX XXXX the 1st year anniversary of my modification. The loan went from SLS to XXXX XXXX in XXXX. In late XXXX the loan went to Bank of America. In XXXX XXXX I contacted BOA by telephone and through the messaging Center about the missed {$1000.00} credit to principal. To date it remains uncredited. There response was they do n't have any documents that explain such a credit. I faxed those documents to them and requested they send me a copy of what documents they do have from the transfer from XXXX XXXX to BOA. I got no response and no credit. The transfer of the loan to BOA has been a mess from the start. I want my credit and an apology for having to work so hard for something that was agreed to in writing in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: they collected more than what I owe and they did it without proper communication. At first they stopped collecting for XXXX months giving an impression that the loan was paid. They also called me last month and left a message offering a new loan. All of a sudden they resume collection in XXXX, XXXX when I called them they said that I still owe & XXXX which baffles me because I have been paying this loan since XX/XX/XXXX and should have been done last XX/XX/XXXX.They took a sum of {$300.00} ache in my bank last XX/XX/XXXX. No payments has been collected in the months of XXXX XXXX and XXXX which I thought it was fully paid already. 
Please take action to resolve thiS problem of mine.. I do n't want them to get the money again 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Spoke with the supervisor. She spoke down to me, disrespected me, and raised her voice to me. All i had asked was to negotiate a settlement on a debt and she went off. " Why do you think we have to settle you? Do we owe YOU money? No. You must pay bills in full. " She has trained all her staff to treat people the same degrading way. It is a disgusting company. 
I will not do ANY business with company. I will not be the one putting food in that pigs mouth. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We had paid for a trip with XXXX using our Citi Credit card. The company took our money and then never returned it or paid the XXXX party for the service. The company essentially stole our money without providing any good or service. We noted this to citi multiple times noting that XXXX had taken our money and then declared bankruptcy. Citi noted there was nothing they could do besides for disputing claim with XXXX and their merchant bank. I believe this would constitute a billing error and Citi has never sufficiently answered this problem concerning the issue. It appears citi credit cards provide no protection and citi is unwilling to be responsible for stolen funds from our credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX claims I owe a debt of {$99.00}. XXXX XXXX XXXX originally sent this debt in XX/XX/XXXX to XXXX, a debt collections agency, and it appeared on my credit report at that time. When I contacted XXXX XXXX XXXX about the debt they reviewed my file and stated it was an accident on their behalf and that my account was paid in full and was at a {$0.00} balance. XXXX XXXX XXXX wrote me a statement which I sent to XXXX and they erased the debt and it came off my credit report in XX/XX/XXXX. Recently, in XX/XX/XXXX, the same debt of {$99.00} from XXXX XXXX XXXX showed up AGAIN on my credit report although it was with a different collections agency, Enhanced Recovery Company. I contacted XXXX again about this situation and they claimed they could n't help me because they never sent the debt to any collections agency. So I called Enhanced Recovery Company and they claim they can not find the debt in relation to me, not even with my social security number, so there was nothing they could do! But, the debt still appears on my credit report and is still bringing down my score! XXXX XXXX XXXX has sold a fraudulent debt to collections agencies and I am the one being punished! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Contacted CMRE regarding a medical bill. He stated the bill was the correct amount and they have been trying to bill my insurance co since XXXX XXXX, 2015. Today they placed a collection on my credit report. I called CMRE and explained I never received a bill in this amount, I had already provided the Insurance Information months ago and I believe the amount to be incorrect. I requested they remove this until they can resolve it on their end and the representative refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a checking account with Bank of America since XX/XX/XXXX. XX/XX/XXXX, they changed the terms of service and began charging a $ XXXX monthly fee, which was contrary to the promises a customer service representative had made about terms of service in the ( very recent ) past as the terms had changed only a few years before and I had discussed this with a banker in the branch. I never received notification of the XX/XX/XXXX change, and they never attempted to receive an acknowledgement or confirmation from me. After complaining, I did, however, receive a refund for three months of fees, but they still have five months of fees ( {$60.00} ) that have not been refunded. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a new XXXX card issued by a major bank. I immediately set up the account for automated payment, which was approved and confirmed by the bank XXXX ) days in advance of my first payment due date. Two days after the first payment due date my credit card was rejected by a merchant. I called the bank who said I must pay the first bill manually. I, of course, point to the automated payment being set up far in advance. They say " we sent you a message via e-mail -- you must pay the first bill manually ''. I never received such an e-mail, and regardless, I had the autopay confirmed. The bank then charged me a {$25.00} dollar late fee and interest *even though* I then immediately paid the balance in full *using the automated payment method already approved*. In my opinion, this practice is a scam perpetrated on pro-active card holders deliberately to generate fees with no other possible financial or risk mitigating legitimate purpose. The Bank was perfectly capable of using the autopay against my first bill but clearly wanted the additional charges and interest through this sleight-of-hand misdirection. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received notification that taxes were increased therefore increased mortgage paymentsfrom Wells Fargo Bank 

Company response: Company chooses not to provide a public response
Consumer complaint: I didnt know i had a last bill until i move and it came up on my report i payed it. They said it eould get remove but it still shows open. XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability. 

Company response: Company chooses not to provide a public response
Consumer complaint: During the recession we were having trouble keeping up with our mortgage, so Bank of America offered us a option to help our situation thru the harp program. They took what we were behind in payments, added more to that for fees etc, and extended our loan to a 40 year mortgage. So now we find ourselves paying about the same payments that we were before only now much less of that money goes towards the principal. When you are facing loosing you 'd home, you will agree to terms that are not to your overall benefit. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. Green Tree purchased our mortgage from XXXX at the end of a Chapter XXXX bankruptcy. ( XXXX/XXXX/2015 ) Payments to Green Tree began on XXXX/XXXX/2015. 

2. At the end of bankruptcy, we sought to refinance the house to save $ 600+/month in payments. 

3. Green Tree has a " policy '' to " not report for the first 90 days after service transfer. '' As such, payments were made to Green Tree ( for which they have all proof and documentation, but we will also provide canceled check copies ). However, no payments were reported to credit bureaus. This is in a letter we received from Green Tree dated XXXX/XXXX/2015. ( We will also provide a copy of the letter. ) 4. Because of post-XXXX mortgage rules in the Dodd Frank Act, a refinance can not be done unless payment history is unbroken. The 90-day-gap that Green Tree creates in payment history means that their customers can not refinance to another company! As a financial institution, they would know this. This has kept us from re-financing with other lenders. 

5. Therefore, this constitutes a XXXX where a consumer is unable to leave the patronage of Green Tree Servicing LLC ( This is a criminal action! ) due to the Dodd Frank rules. Green Tree purchases a mortgage, creates a gap in credit history, and that renders customers unable to leave their service. 

6. We simply want Green Tree to report payments they received to the credit bureaus. This would allow us to re-finance. Presently, this is costing us an additional $ XXXX. If this continues much longer, we will also be forced to take civil action to recover some of that monthly cash flow. We have XXXX children in college, this year - we need that money, desperately. We ca n't afford to be held hostage to XXXX like this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through Wells Fargo Financial. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the XXXX XXXX XXXX XXXX XXXX XXXX and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for Bankruptcy XX/XX/XXXX. I was discharged under Chapter XXXX XX/XX/XXXX. The bankruptcy trustee did not pay real estate taxes on property within the estate and these have wrongly been placed on my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is charging on an account I do n't have, I 've never had XXXX XXXX before. Apparently this service is in XXXX, Texas, I 'm already in collections for something I do n't have and never had. I called XXXX XXXX and they do n't have my last four numbers of my Social Security. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: For the past two years, I 've been trying to resolve a payment issue with Green Tree Servicing LLC. Green Tree continues to state that I 'm past due when I made good faith attempts to research the payment in question and made payment arrangements. Green Tree does not acknowledge the fact that payments were received and credited as a result of the payment arrangement. In addition, I was advised to send a specific amount that was past due. A certified letter was sent XXXX XXXX, 2014 and the past due amount of {$840.00} was sent to bring the account to a current status. I thought it was resolved and current based on the information provided only to receive additional letters stating that the account is past due. How is that accurate when a bank representative sent a letter with the amount that was due? I do not want to be held responsible for a banking error or mistake. Green Tree should acknowledge it, be responsible and held accountable. Also, Green Tree felt it was necessary to refer to all the correspondence sent between the XXXX of us and re-read them as they continue to stand by their responses. I noticed that I had a copy of another Customer 's letter in my packet. I have the customer 's name, address, phone, account number, email addresses, and nature of their inquiry. I think this is a private and sensitive matter. The careless act of including another customer 's correspondence is a serious matter that requires immediate attention as I continue to question Green Tree 's data integrity and commitment to quality service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my paypal account was permanently limited, and the fund in my account was to be held for 180days. 

I aske Paypal to release my fund immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this information on transunion is incorrect wrong person 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello FDIC Consumer Protection : US Bank XXXX California called me last XXXX XXXX 2015 ; US Department of Treasury contacted XXXX as U.S. Department of Treasury - grant money transferred to US Bank in California then they told me pay {$500.00} for safe deposit fee ( scam or not scam ) so please investigation to make sure if no scam or scam letting me know and let my sister XXXX XXXX knows at Please FDIC calls XXXX at XXXX voice about US Bank of California and US Department of Treasury makes sure - if there no scam, please sister helps with me through this grant account XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Rubin and Rothman had placed a judgement against me. I made an settlement offer of {$4300.00} which they excepted on XXXX XXXX, I have still not received any paperwork from them to vacate the judgement as they have agreed on. 

Company response: Company chooses not to provide a public response