AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We are filing a dispute regarding the failure for Bank of America ( BAC ) to complete a modification review under Home Affordable Modification Program ( HAMP ). 
Our loan was originated in XXXX with XXXX Mortgage Company, which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on XXXX XXXX XXXX ( XXXX ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program, we are dishearten by the fact that BAC, and XXXX are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX, XXXX. 
The reasons given for our multiple denials of HAMP not only are ambiguous, but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory, is that both BAC and OLS presumed the HAMP program to be dissolved at the end of XXXX, and the denials were a preemptive decision made prior to the FHFA 's announcement made that HAMP was being extended until the end of XXXX. 

Both BAC and XXXX, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of XXXX. The lawsuits allege, among other things, that XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX ( " XXXX '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( " HAMP '' ) to desperate homeowners, systematically breaching their contractual obligations to homeowners, committing deceptive trade practices, and causing significant financial harm. 

Our loan was approved of what 's called a Bank of America loan modification, on XXXX XXXX, XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}, the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However, had our loan been reviewed accordingly for the HAMP program, our payments would be based upon 31 % DTI, equating to a much more affordable amount of {$1000.00}. 

We are seeking for our loan to be reconsidered for the HAMP program. We are seeking a more thorough and detailed explanation as to why we are being overlooked for a program that we rightfully should be considered and qualified to receive. This complaint will be forwarded to the our state attorney general as well as Michigan Department of Financial Institution for their review of my grievances. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed on my property on XXXX/XXXX/15. I received a voice mail by the Escrow officer, XXXX XXXX, at the ohio real title agency on XXXX/XXXX/15 and was told to bring {$5200.00} certified bank check to closing on XXXX/XXXX/15. Upon closing on XXXX/XXXX/15, the notary from Ohio Real Title stated that they had not yet received the final closing disclosure from XXXX XXXX of XXXX. After reviewing and signing the documents that were on time and available at my closing on XXXX/XXXX/15, first federal had submitted the final closing disclosure to ohio real title which was then faxed to the location where I was signing the final documents. The final closing disclosure showed the amount cash to close for {$5000.00}. At that time, I was advised by the Ohio Real Title Agency Notary that I would receive a refund for the exact amount that I had over paid with my certified bank check, due to the escrow officers error in telling me the incorrect amount to bring to closing. About XXXX week later, I received a check in the mail from Ohio Real Title for the amount of {$110.00}. I called the escrow officer, XXXX XXXX, and the Post closing manager, XXXX XXXX, and was told that I was refunded a smaller amount because of a XXXX mortgage -- -- the first time I had heard that I had a " XXXX mortgage. '' I then contacted OHFA to verifiy that I did not have a XXXX mortgage, as I was told by XXXX at OHFA in XXXX, that I did not have a XXXX mortgage and I was given incorrect information from Ohio Real Title. XXXX gave me the # for the OHFA Coordinator, XXXX XXXX, to pass along to XXXX XXXX and XXXX XXXX to verify and clarify this with Ohio Real Title. Later on, in e-mail communication, XXXX XXXX stated that I was given incorrect information in stating I had a XXXX mortgage, but I actually had a " rider '' which resulted in new additional " recording fees '' that were not listed on my final closing disclosure. The final closing disclosure that I signed on the date of closing, XXXX/XXXX/15, is not the same final closing disclosure that the Escrow Officer provided me showing the " new recording fees. '' The dates of the documents are different, and the numbers/figures are altered and not the same as the final closing disclosure document that I signed at closing. I simply would like my money refunded that I overpaid, as I was told to bring a larger amount to closing then what was needed at closing. I was to receive a refund of {$180.00} total, I received a check from ohio real title for the amount of {$110.00}, thus being short of {$72.00}. I am most concerned with the numbers and dates being altered on the final closing disclosure that I received at a later date, showing a different amount in fees. I signed a different final closing disclosure at my closing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: PENTAGON FCU XXXX ACCOUNT NUMBER OPEN DATE XX/XX/XXXX BALANCE DATE XX/XX/XXXX ACCOUNT STATUS XXXX PAST DUE XXXX COMMENT TRANSFERRED I AM DEMANDING VALIDATION FOR THE ABOVE REFERENCE NUMBER PLEASE PROVIDE A FULL ACCOUNT LEDGER AND A CHAIN OF TITLE FOR THE THIS DEBT THAT IS BEING REPORTED ON MY CREDIT REPORT. 

Company response: Company chooses not to provide a public response
Consumer complaint: Could n't verify my address supposedly after fasley advertising credit for all. The companies that provided the information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. The company that offered the loan was Flourish Inc. DBA Lendup XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: in XXXX this company appears on my credit report I asked them to send me one prueva of this debt now in XXXX this company appears on my credit report with a charge of {$500.00} aks that information of this debt i never received approved of this derbt never contac me and no results only it comes out that this update this account so therefore I want this debt is removed 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU 

Company response: Company chooses not to provide a public response
Consumer complaint: This phone number XXXX has been reported and I filed several complaints. I have listed on the do not call registry. The call is from XXXX and complains that I owe amazon store card. If you ca n't fix this please give my another department to get this to stop. They call all times of the day and night. XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called Experian on XXXX/XXXX/XXXX to try to have them remove a Judgement off of my husband 's credit report. Because it was filed XXXX but we were never contacted about it and it is holding up a Loan we are trying to get to Refinance our Mortgage. I was told they can not take it off until XXXX/XXXX/XXXX. So I filed a dispute with them today asking again for them to remove it because We never knew anything about it and the said Plaintiff XXXX XXXX XXXX XXXX. is no where to be found. Not fair to ruin our credit when we Do not know if it is even ours. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: experian has updated false information, that is very harmful to the credit standing on experian personal credit report ( included here ) .the final and last payment on this forclosed real estate loan was XXXX.that means this account is far beyond the 7 year limit of negative reporting.I have obtained a complete payment history of the loan from XXXX XXXX XXXX today ( incuded here ) .the XXXX XXXX XXXX account number is XXXX. 
THIS ACCOUNT ACCORDING TO FCRA MUST BE DELETED IMMEDIATELY, XXXX AND EXPERIAN BOTH HAVE LEGAL LIABILITY. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: As a advocate for my father, XXXX XXXX ( who took ill in 2009 ), Wells Fargo Foreclosed on his home, in XXXX, PA, and then made it appear ( once this matter was filed with CFPB ) ; as though they were going to give my family a chance to purchase my father 's home back. But Wells Fargo knew all along that they were n't going honor the Real Estate inspection, or, the engineers report, which mentioned the tremendous amount of work that needed to be completed at : XXXX XXXX, in XXXX, PA! The Wells Fargo representative that was assigned to me : XXXX XXXX XXXX ( of the Office of the President ), strung me along -- letting us believe that our offer on the house was going to be excepted, and as long as we worked with their realtor : XXXX XXXX of : XXXX of the XXXX that our chances were great. However, due to the ( extreme ) rudeness of XXXX XXXX, we knew that the deal was NOT going to go through, as her reputation in the XXXX is not good at all!!! We assumed that Wells Fargo 's intention was just to let the house ROT, Vs : addressing all the issues in the " newly '' constructed home and allowing us to purchase it, fairly!!! Honestly, I have never seen anything like this in all my days!!! How can a bank issue a construction loan, and then not address any of the " structural '' damages, and then foreclose on the home (? ) *This is despicable to me, and I am truly disgusted by the way this entire matter went down -- from start to finish! If this is the American Dream, then something is absolutely WRONG!!! Where is the compassion for the sick? And why is n't the TRUTH respected anymore? ( The engineers report and the inspections report that was provided to Wells Fargo was thorough, which we paid good money for! Yet, Wells Fargo did n't give a hoot about the " truth, '' regarding the damages of the property! ) After all of this, I 'm thinking perhaps God has another plan for us! And he did n't want to see the roof come tumbling down, because the home was truly " the house that " XXXX '' built! '' At this point, it is what it is! However, I must say, Wells Fargo is certainly a financial institution that takes pride in misleading individuals!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: They call every day 3-4 times! I get their emails. I get so many calls while at work. This is unnecessary! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am formally requesting that the CFPB investing this matter. I do not feel that Experian 's XXXX system is sufficient enough to handle this matter. Please note that I am a XXXX Veteran XXXX This item does not belong on my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I cashed a check at Bank of America for XXXX. I received my cash and left the back. Following this I received a message from the bank telling me that they were debiting my account for an additional XXXX, stating that the check had been cashed for XXXX. I tried resolving this by phone and at the branch. I am attaching a copy of my check and the letter received from the bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: See prior cfbp case # XXXX. Dyck-O'Neal, Inc. initially attempted to collect debt from me based on stolen identity. I submitted a Federal Trade Commission Identity Theft Victim 's Complaint and Affidavit, signed in front of a XXXX County, Maryland police officer. In cfbp case # XXXX, XXXX Inc. agreed that I was the victim of identity theft and agreed to delete its trade line from my credit file. BUT, within days of receiving the resolution to cfbp case # XXXX, XXXX, Inc. issued me an IRS Form XXXX ( Cancellation of Debt ) for {$210000.00}. Since I was the victim of identity theft, XXXX, Inc. has NOT forgiven any debt of mine and I believe it filed the IRS Form XXXX in a blatant attempt to penalize / harm me for bringing my concerns to the CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: After Transunion deleted the illegal XXXX CONNECTED TO A XXXX XXXX from XXXX, which i have NO BUSINESS WITH, they inserted now an account that I assume was associated with it, they refuse to block the account and as such I have asked them too without any response. Why would you block a fraudulent inq then allow the account to appear. XXXX and XXXX both did not allow such account to appear. In the enhanced Inq section of my hard copy report it listed the information as XXXX XXXX, " SYNTHETIC FRAUD '', I want this account blocked ASAP.I have filed a complaint with the FTC, ID Theft Center, Privacy Rights, and CFPB prior. Transunion refuses as always to assist victims in there XXXX rights, further I have filed numerous police reports and XXXX INSPECTOR REPORTS. The account is numbered XXXX and listed as XXXX, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM XXXX AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A FICO SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.
Company response: Company chooses not to provide a public response
Consumer complaint: My home mortgage is or was with XXXX XXXX a company out of XXXX from what I 've found online. In XXXX 2015 they stated XXXX XXXX XXXX. @ XXXX, will now handle their banking of loan. This XXXX was a scam, after many phone call saw that I was paying more to cover my property taxes, they 1st hide the fund seeing I would not drop it. They stated on my " Statement '' {$1700.00} paid in for credit? was for taxes. Then I thought was fixed they got the OK to sell to BSI in XX/XX/XXXX, we 'll XX/XX/XXXX rolls around taxes not paid, and the {$1700.00} was gone. BSI had a employee XXXX XXXX who stated that they and XXXX were partners same company just we do banking. He went on to state they had call 's, complaints and more that XXXX x of XXXX 's had issues with XXXX, fluffing the books, moneys missing. I gather proof with XXXX and mailed it to get told " we 've passed the loan '' and deal with the new company - BSI, just as shadie I 've called over 20 time W/cell phone, alone to show a pattern, leaving voice mails, no calls back. When their personal collecting agent call, I state I want to speak with XXXX, not available they 've now stated Monday XX/XX/XXXX he was fired. What it come down to for telling everyone the fact on XXXX rip you off, and we 'll BSI working to fix it but I feel it 's a scam also. We think XXXX feel 's I 'll drop it as, They stated " we do n't care to deal with it ''. I need someone to look into this ASAP, as it 's loan fraud by the banking again, if XXXX 's of XXXX 's are like me scammed then told late payment or skip a payment was to rip off payment. The scam like seen on news XXXX company all good loan 's set up a XXXX then " make 's mistakes, then they send buyer to home and by mail, the XXXX make sure to not take call 's, and loss more funds. I was never late, taxes covered, and all good the XXXX who work with XXXX come 's in now I have late fee 's money stolen, and we 'll found out all are all XXXX owned as XXXX company, trying to get more then they are allowed and my home, with banking scamming. 
I tryed to upload a letter or XXXX proof, just cant work computers - 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Allied Interstate collection agency in Ohio called about what they said is a debt I owe. I have no credit card collections or debts. They tried to tell me it was a debt from many years ago. This is n't my debt, if it were, that seems like unfair tactics to reopen a debt when a debtor has passed the statute of limitations on collection. By allowing creditors to continue to call and try to trick consumers into acknowledging a debt the law is not holding it 's promise as to being fair and having an actual statute of limitations. The Allied Interstate company contact me trying to get me to acknowledge a debt, which is clearly not owed by me, and is not my debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit card company representative told my wife that I have a bill that is past due on XX/XX/XXXX but I have not received a statement of the charges from the credit card company. I need an itemized statement of the charges they are requesting payment for. I do not do computerized statements. I am not sure how much money has been lost or when the loss occurred because I have not yet received a statement of charges. 

Secondly, my wife ( XXXX XXXX ) has been authorized on my credit card account for over a year. My wife informed the representative that we have not yet received a statement/bill and requested them while I was driving on XX/XX/XXXX ( see case number : XXXX ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wells Fargo has a property listed at XXXX number XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I put a FULL PRICE offer of {$360000.00}, on this property, which is listed with the REO agent XXXX XXXX. License number is XXXX XXXX in XXXX XXXX XXXX ; on XXXX XXXX 2015. My Realtor was told that they Had a several offers over the Listing Price. Now the property is back on the market and is Listed XXXX below the previous Listed price and my prior offer. The Realtor now is saying that she has offers again, over the Listing price. I feel that since I am not using Wells Fargo for my mortgage, which an addendum was presented that wells fargo can prequalify me, and other documents pushing a Wells Fargo 's Mortgage person, the Realtor is not taking my offer. I also Feel, that the realtor is taking offers that she is getting both sides of the commission on which seems to be a conflict of interest and in the best interest of the REO Lender. This is not the first Wells Fargo REO property, that this Realtor did not accept my full price offer. My Realtor was willing to give her XXXX % of his commission to make this transaction work. Can you help me? 

Company response: Company chooses not to provide a public response
Consumer complaint: I can not keep up with my payments, barely getting by Paycheck to Paycheck, my Account has been constantly negative & I did not know the State of Oregon does not allow Online Payday Loans. I contacted to State of Oregon regarding this matter & they suggested contacting this Agency via Website. It is an XXXX for Online Payday Loans called Greenline Loans https : //www.greenlineloans.com The Consumer Protection - Oregon Department XXXX recommended that I contact this agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo treated me lousy as a new bank customer. 
I got charged XXXX overdraft fee and my account would not let me activate my credit card issued to me by Wells Fargo in order to further avoid additional bank overdraft fees and cover my negative balance. I asked Wells Fargo to credit those fees and they refused. They also refused to close the account when I asked them to close it. They said they would first ruin my credit and send my account to collections. Last time I do business with this bank for any of my transactions. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was issued a payday loan with Advance America, of {$1000.00} with the APR of 137.37 % and a Finance Charge of {$130.00}. I have had a loan with AA off and on since XX/XX/XXXX. For the past few months when I would re-loan, I would inquire if there was any arrangements that I could make with them due to my being financially incapable of continuing the payday nightmare, I was reassured each time that nothing was available and the only option I had was to just pay the loan as agreed. During XX/XX/XXXX, when paying at the time XXXX or XXXX payday loans became utterly impossible, I begin to read the customer agreement statements to investigate if I could find other lawful options that would assist me in paying the overwhelming debt. I noticed that Advance America was licensed under the " Small Loan Act '' which meant that under the SLA in Ohio a Customer is only allotted a max of {$500.00} ( according to research information ), however, my loan was for over {$1000.00} and/or a customer could not be charged over XXXX % of their income, in which both of these laws were not being enforced, if in fact this was true. I attempted to pay this loan in full, however, financial difficulties made it impossible. At this point I have been working with a Government appointed Financial Coach from CFPB put in place to assist Military Veterans with Financial dilemmas, we are reviewing what my options are as of XX/XX/XXXX. My loan is in default and will remain as such until a reasonable solution is reached. 

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