AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We have been working or a Short Sale for Select Portfolio Servicing for a Loan for XXXX Bank Loan No. XXXX for XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX. We had an approval letter that expired on XXXX/XXXX/2015 we asked for an extension on XXXX/XXXX/2015 with a credit toward closing cost and provided how the roof has no life left and the plumbing needs to be all re done. 
We were told on XXXX/XXXX/2015 that it would be XXXX business days. Then we were today XXXX business days. We were contacted by a lady named XXXX from XXXX on XXXX/XXXX/2015 asking for changes to the HUD and saying we should have approval by Friday XXXX/XXXX/2015. We called each day and then on Friday we called and were told by XXXX XXXX at EX XXXX that a manager would contact us by XXXX EST. Ofcourse, this did not happen, we called back to be told by XXXX XXXX a Manager that the file for extension was declined on XXXX and that us resubmitting on XXXX/XXXX/2015 is too close to the short sale date of XXXX/XXXX/2015. I have had many files with XXXX and know this is how they do this. I advised them on a recorded line that they were going to pull this game. 

This is not working for the homeowners or for the best interest of the economy. You have a ready willing and able buyer to purchase a run down property and make it habitable and the Banks are not willing to proceed. 
The Offer on this property is XXXX with a Net to the Bank XXXX XXXX on a Loan amount of XXXX. I would say the numbers work on this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: bank of XXXX mail me my rebate card, lost it bank of XXXX says its the XXXX who gave the rebate 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid Barclay bank XXXX for XXXX months. I have paid what I believe to be the monthly charge plus extra toward my past due balance. I have a statement sent to my email monthly from Barclay with a link to log on and see statement. I do not remember my log on information. I have called the company to request help and am directed to a collection agency that will not give me my full account information or any other assistance to log on and see account. They state they do not have access to that information as they are a collection agency. They will not connect me to Barclay Bank to request assistance stating Barclay does not have my account, yet they send me an email monthly with statement. I am unable to switch to paper statements as I do not know the account number. Someone from this account calls me daily for collections despite my paying weekly. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that Bank of America reported I was delinquent on several credit card payments. I contacted Bank of America and they said that they only had a checking and savings account under my name on file. XXXX these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid the balance that was due and given to me then a month later they sent me a bill for another XXXX dollars. I will not pay it because it was arbitrarily charged for services not performed. I paid for what was done. The Collection company is listed on my report as Professional Finance XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: As of today, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all three credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing regarding a Debt Collector, Howard Lee Schiff in XXXX CT. I am in receipt of a letter from the firm that they will be filing a lawsuit against me for their client on a bill that I believe to date back several years. 

They have provided no information on whom they represent as their client so I am not sure what this bill is regarding. Back in late XX/XX/XXXX I was a casualty of the financial crisis and fell behind on a few bills that I have worked to clear up. However I have not had any delinquent accounts since at least XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Late XXXX I obtained an auto loan wit Credit Acceptance Corp . I am under the impression that the principal ammount of this loan was XXXX. I paid XXXX down, and made monthly payments of XXXX for 15 months. I later crashed this vehicle, and defaulted on the loan. The vehicle was returned in salvage condition. In XXXX a judgement was entered against me in the ammount of XXXX. My wages have since been garnished. I have paid an additional XXXX through income execution. In XXXX I attemted to get an update of the remaining balance, only to find that I owe in excess of XXXX. I spoke with the sherrifs office, because they have the order in XXXX XXXX NY. They tell me I have to deal with the lawyer. I call the lawyer I 'm told I need to speak with Credit Acceptance Corp . I call Credit Acceptance, I 'm told, " they have sold the debt ''. My issue is the constant running in circles while my wages are garnished, and the ammount I owe rises. How is this possible? This was a XXXX Doge Intrepid purched used with XXXX miles in XXXX XXXX. This vehicle brand new with XXXX miles only cost XXXX. How is it I still owe XXXX after having already paid XXXX? on an XXXX dollar loan? I feel this is Preditory, and Unconcionable. Please help. My wife and I are expecting our XXXX child and I am the only income for our household. I can not afford to pay continual garnishment, and I feel this debt has been paid. I understand that the principal ammount does not include interest however I feel I have been victim of Preditory lending. This judgement remains on my credit report despite the number of times I have desputed it. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute to all three credit reporting agencies. I just received a response from trans Union stating that the collections placed on my credit report by XXXX XXXX XXXX was verified. I had previously paid the original bill issued by XXXX XXXX and submitted copies of payment from the XXXX XXXX website confirming payment as well as all copies of bills. It greatly disturbs me that this investigation by Trans Union states the information was verified when I have paid what was owed and submitted documentation. The first time when I even heard of this collection agency was seeing it on my credit report. I do not feel it is fair for me to have to pay again for a bill I have already paid. I greatly question the dispute investigation validity. I am seeking help with this matter because I have worked very hard to maintain good credit and to have this invalid information on my credit report greatly disappoints me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I served the country for 8 years XXXX During my XXXX tour I had an apartment at XXXX XXXX before I started my tour. My former wife and I had many problems with her spending and destroying my credit. Well before my tour we separated and I informed my apartment complex I will no longer be their and would like to take myself off the lease. While touring they sent information that I signed confirming I would not be held accountable. After my ex wife left the apartment while still touring, they reported an unpaid balance and extreme interior damage to the place. I should not be held accountable for her lack of professionalism, unpaid balance or damages. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This may be happening to many people using all XXXX of the websites. Same thing happened last time I tried over a year ago. The company gives you XXXX chance to view your *Free Report*. Instead of providing it in a .pdf file with all details for download, they provide an html version, requiring multiple clicks to view portions. They seem to purposely designing these pages to result in the page often crashing. Attempts to return, no longer give you access, since they already gave you that chance. They are satisfying the law, without really providing the information required, in this manner. This results in the user having to pay, to really see what is required for them to provide freely. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I mortgaged a home in XXXX or XXXX 2015 with PrimeLending A PlainsCapital Company. When we signed the mortgage we understood that " ALL '' escrowitems would be paid for in our house payments. On XXXX/XXXX/15 I received a letter from Prime stating that I owed an additional {$2000.00}!!!! I called Prime ( XXXX ) and spoke with XXXX XXXX. XXXX told me that Plains did not make the payment high enough to cover all escrow items. 
This is preposterous, Prime was negligent in not reviewing my account in a timely manner! 
XXXX told me that at least XXXX item in escrow account was unknown to Prime until review. 
I believe that Prime needs to be punished for what they did and prevented from doing so again in the future. 

. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor XXXX. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX member is serving his country XXXX and I have to tell him this disappointing news. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX, I requested Experian to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Experian a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards, 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit score is in the low to mid XXXX 's despite a perfect payment record.. My total debt is about 5 % of my net worth, most in XXXX securities. Why is n't my score perfect? Checking my credit reports they seem accurate - perfect payment history! No court judgements, no bankruptcy history, no unpaid debts, etc. But, it seems misleading. I pay my only credit card off in full every month, no carry over balance, but it shows a max charge vs the limit even though paid. I keep my limit low to minimize identity theft and credit theft limits. My second card is a debit card, also paid every month. I get no reply to my specific question why my score is so low so I ca n't provide the information to resolve it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I re-financed with XXXX Bank, from Bank of America, on the last day of my 70 day rate lock XXXX/XXXX/15. Bank of America ( former mortgagor ) representative showed up an hour late, without proper documents. I was forced to pay title company an additional {$550.00} because of this. Bank of America had 70 days to locate my documents. Bank of America should be responsible for this cost. I already paid this title company {$3200.00} in fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: ReconTrust - dual-tracking, improper transaction and trustee approval as NA - errors and mistakesNever sent any notices regarding foreclosure and or posted informationSome unknown/fraudulent person contacted ReconTrust and stated they were tenantsTenant/fraudulent personbeing identified -utilities companies etc. XX/XX/XXXX left according to recordsReconTrust never contacted me as the owner to confirm any information including confirming debtBank of America confirmed tenant refused relocation fee and wanted to remain a tenant? 
Recontrust should have received 5.5 months of rents from the unknown/fraudulent personI had no tenantsI remained a residentI had no deficiency there was over XXXX forwarded to ReconTrust ( appears to have been used to purchase home ) XXXX has confirmed property was sold before auction took place with XXXX person bidderI received letter for foreclosure review committee XX/XX/XXXX - respondedForeclosure review committee letter was to freeze all action until modification was complete for approval or denied - letter never received was working with XXXX XXXX and later XXXX ( escalation member ) for errors after email from management stating property was foreclosedXXXX assured me property would not be sold ( recorded with REO on the line as XXXX way conference ) as she complete recession - recording availableNOD starts after XXXX days after answer is received if no workout program was approved. 
The NOD was filed XX/XX/XXXX prior to foreclosure review committee letterThe NOT was filed XX/XX/XXXXThe declaration letter dated XX/XX/XXXX - was XXXX incorrect and false - Bank of America tried with due diligence to reach me XXXX - my number remains the same on file and addressLetter dated XX/XX/XXXX - Bank of America was still in review to complete request for modificationBank of America has confirmed my name was spelled XXXX different ways in system - part of the challenge of why modification documents were not uploaded to system properly in XX/XX/XXXX and XX/XX/XXXX prior to foreclosureI had to research county recorders and other agencies to locate documentsSecretary of State notary confirmed notary information not properly followed and people not properly identifiedI was not aware a foreclosure took place at no time as I was still working on modificationI was informed of foreclosure by building management company by emailProperty was resold less than three month for a gain of over 100,000 dollarsI have requested many documents from ReconTrust none have been received to date 

Company response: Company chooses not to provide a public response
Consumer complaint: I ran into a finacial crunch had to borrow some money. I usually borrow from reputable companies. I was online doing a serach and I came across Cash USA after reading that it was a revolving account I said that was good I looked at their pricing and it stated that for the XXXX XXXX I borrowed my payment would be XXXX monthly or XXXX biweekly. They sent me a statement saying that my XXXX payment was {$220.00} and XXXX weeks laters they expected another XXXX That absurd who in their right mind would agree to pay someone $ 300XXXX per month for XXXX when I have borrowed XXXX and my payments was n't that high. I can not afford to pay anyone that kind of money. I needed to pay my water bill not get ripped off because I was in need. I have no problem with paying what I borrowed, but to pay that monthly is crazy. I immediately reached out to them by email and phone informing them of the situation they brushed me off as to say oh well you going to pay it. I made the payment of XXXX and that was my last payment because even if I wanted to give them that kind of money my paycheck wouldnt allow it. This company is taking advantage of people that is in need if I had that kind of money than I would n't been borrowing any from them. I am trying to get some assistance because I am rebulilding my credit and this is the last thing I need. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This situation relates to a recurring problem I 've been having with Experian. I keep my credit frozen, and only lift the freeze when I know I am applying for credit. I have not had a problem temporarily lifting freezes with XXXX. For the XXXX time in 3 months I have had credit denied because Experian will not lift the freeze on my account. They requested I send additional information to them. I have done that using XXXX XXXX Mail and I have a receipt to show they received the information. They still have not lifted the freeze. Not to mention the other XXXX agencies charge {$5.00} to lift a freeze and Experian charges {$10.00}. I do not believe they are acting in a way that encourages consumers to protect their credit. The XXXX time I complained to you about this, they sent me a credit report. I never asked them for a credit report - I asked them to lift the credit freeze on my account! I am at the end of my patience with them and hope you can help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file. 
Republic Finance XXXX XXXX XXXX XXXX, ga 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was a victim of identity theft. Someone filed a tax return using my social security number. I went through the process of notifying and putting alerts on my credit reports. I then attempted to log into a previously established Experian account and was unable to due to the fact I could not validate an email address associated with my social security number. Not until I became an " paying '' member was I transferred to their fraud department and once there I had to answer multiply questions to validate my identity. Once my identify was established they provided me with the email address which I then told them was bogus. Someone had created an Experian account using my social security number and I 'm assuming they ran a credit report and were able to see all my information. The bogus account was established on XX/XX/XXXX. I attempted to file my tax return on XX/XX/XXXX and was informed by the IRS that a XX/XX/XXXX Tax Return had already been submitted and I 'm assuming paid out using my social security number. I was able to get Experian to put a lock on the bogus account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home has been under the short sale program for several months with SPS, we have presented several offers to this company and all have come back being denied, my property needs repairs, we have been working with a buyer for several weeks that has spent time and money to prepare a bid for repairs for this lender. The value set on my property is for fair market value and my agent has been working to have the value properly reflect the repairs needed. Throughout this process we are all being told by SPS that my property did not have a sale date even though XXXX is publicized for XXXX XXXX XXXX, XX/XX/2015 at XXXX. As of today I am still having communication problems with having SPS advise their trustee that the sale scheduled for my property on Monday is on hold. They are trying to foreclose on me instead of working with my agent to sell my house. SPS has mislead us for several weeks and has lied many times by advising my agent that there is no sale date and that all is being worked on. When indeed there is a sale date and per their trustee it is active. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Beginning XXXX XXXX, 2015 I began reporting this charge on my account : Pending-POS Debit - XXXX Check Card XXXX XXXX XXXX XXXX - {$9.00}. Each time I followed the instructions of Navy Federal Credit Union ( NFCU ) representatives ; which was to submit a report of a fraudulent charge and cancel my debit card. Since my initial complaint, I have cancelled XXXX ( XXXX ) debit cards and yet this charge continues to appear on my account monthly. Moreover, there has been no resolution presented by NFCU other than to continue to cancel debit card after debit card and since this is a recurring problem cancelling my debit card has brought no resolution. Matter of fact, the number of cards I 've cancelled and have had reissued has caused a hardship for me with other ( authorized ) creditors. I have asked over and over for a way to block this charge from being charged to my account, to no avail. The latest representative recommended that I contact the vendor, who is unknown to me and I explained as much to the representative but it fell on deaf ears. I am frustrated and out of options of how to end this recurring unauthorized charge from my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have negative items on my credit that doesnt belong to me 

Company response: Company chooses not to provide a public response