AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: ( 1 ) I have filed XXXX PREVIOUS complaints against GREENTREE Servicing : XXXX were in XXXX XXXX & XXXX were in XXXX for their harassing collections, lies and fraudulent practices ( 2 ) To this day they continue to fail to honor every agreement - both oral & written ( 3 ) I first began the XXXX Deed-in-Lieu program in XXXX XXXX - but had to restart it XXXX TIMES because they kept losing the paperwork, accused me of " withdrawing '' & then REFUSED to return my calls ( 4 ) At XXXX time I had XXXX different Greentree Departments/Reps calling me telling me different things - including COLLECTIONS!! ( 5 ) Finally, after PROVING with my RECORDS & TRACKING NUMBERS that THEY were the ones in the WRONG I completed MY end of the paperwork on XXXX XXXX, XXXX - I had to go thru the appraisals, lease agreement & meeting with the property management company XXXX TIMES ( 6 ) THEN I was contacted by a XXXX. & told I needed to vacate the property by XXXX XXXX ( 7 ) Greentree had told me from the beginning & ALL of the paperwork states that the 90 day lease period I was entitled to per the program rules, would NOT BEGIN UNTIL GREENTREE SIGNED THE PAPERWORK & FILED IT WITH XXXX XXXX CLERK to TRANSFER THE DEED ( after all, how can one 'lease ' property that is still legally hers? ) ( 8 ) ALSO : both ORALLY & in the WRITTEN AGREEMENT Greentree stated I would receive the {$3000.00} ReLocation Assistance AT THE TIME I VACATED PROPERTY ( 9 ) I have been out of the property since the deadline THEY GAVE ME, however, I just found out they did NOT sign and/or file the deed transfer with the XXXX clerk until XXXX XXXX! and I STILL HAVE NOT RECEIVED THE {$3000.00}!!!!!!!!!!!!!!!! ( 10 ) I have had to put all of my things in storage, I am displaced because I do not have that relocation assistance AND NOW I will have to move it TWICE. ( 11 ) I have done EVERYTHING they ever told me to do! I have answered EVERY PHONE CALL! I have followed up with them when I did n't hear from them in the allotted time frame! For example, in XXXX, when everything was supposed to be finalizing & I was trying to stay on top of it because of the previous XXXX TIMES, I tried calling both my Greentree Rep " XXXX '' and her supervisor (? - have it in my notes which are in storage ) TWENTY-ONE TIMES in less than two weeks - they NEVER CALLED ME BACK. EVER. To this day. ( 12 ) Essentially, the bottom line is : I was forced to leave my property XXXX MONTHS EARLY and I STILL HAVE NOT RECEIVED the relocation funds - which is already eaten up - I have NO RELOCATION FUNDS. ( 13 ) This company is a DISGRACE. It is horrible & demeaning. They are PROVEN LIARS and FRAUDS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am currently have a Pick-a-Payment loan with Wells Fargo and am trying to modify. XXXX XXXX, 2015 our home was struck by lightning and as a result we have no A/C ( in Florida ) and few appliances are working. I received a check form the insurance company but Wells is not cooperating in getting the funds distributed in-order to make repairs. Again, we 're Florida and have no air conditioning. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was in accident and was suppose be paid by workers compensation. Numerous calls were made to XXXX and spoke to XXXX and said not to pay it out of pocket and just wait for workers compensation to take care of this bill. They never did so I spoke to her and told her it concerned me regarding my credit and she said not to worry about it. I paid it in full on XXXX XXXX, 2015 and she stated all was okay on their part, now it reflects my credit tremendously due to XXXX XXXX XXXX sending to SARMA when I paid it before they submitted it in XXXX. Spoke to XXXX yesterday and said she would tend to it, but did n't recieve call back. Please help I have my receipt where it was paid in full back in XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ON XXXX/XXXX/2014 BARCLAYCARD MADE HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT AND I HAVE WROTE THEM TO GET IT REMOVED BUT THEY HAVE FAILED TO DO SO 

Company response: Company chooses not to provide a public response
Consumer complaint: My Bank Of America account was forced closed recently because of lack of funds. I was under the impression that they would decline any transactions that i had not enough money for, but since somehow XXXX is set up as a recurring charge ( which it is not ), they allowed it to go deep into the negative. That is not the worst part, upon closer review I saw that on my transaction statement I had an overdraft charge before i even went negative, which put me in the negative. In the end I currently owe {$260.00} and of that {$210.00} is in overdraft fees. I have contacted them about paying the balance of the transactions made and getting rid of some of the fees but that was not going to happen. so i now am hoping for help regarding this matter. Bank of America is allowing payments that are non recurring to be processed as recurring which allows much easier ways to overdraft people. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a US Bank Visa gift card that was obviously tampered when I removed it from otherwise pristine packaging because the gummy gel used to hold it in the packaging was clearly all wrong. It was n't activated properly, but even after getting help activating the card, the magnetic stripe had been demagnetized so I could not use it. I called US Bank Visa Card services to replace it about 2 weeks ago free of charge, and it has not been replaced, despite having faxed everything they asked for. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, Dillards/Wells Fargo Bank opened an unauthorized and fraudulent credit account in XXXX XXXX, XXXX in my name and, without verifying the accuracy of any information provided on that application, such as phone number, thus allowing {$2000.00} in merchandise to be charged. I discovered this upon receiving the card in XXXX, my home, on XXXX/XXXX/2015. In trying to work with Wells Fargo Bank to get all the information available on how this happened, find the perpetrator, clear my credit and protect myself, I was treated as the criminal not the victim. I was given no help, no curtesy, no explanations and no satisfaction that my welfare was of any interest. All I was told was that it would take from XXXX days to investigate. I have been forced to take numerous expensive steps to protect myself from the jeopardy that Wells Fargo Bank created because of their inadequate procedures to carefully establish identity before opening credit accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly received phone calls on a loan I already paid off YEARS ago. The same harassing phone calls from different companies every few months. I ca n't get them to stop either changing their company name or selling a false debt to someone else. PLEASE help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to XXXX to received the medical emergency help in XXXX 2015 due to the work injured and I had the claim number which I provide to hospital, but the bill was sent to me. 

I tried calling ( XXXX ) XXXX number in hoping to talk with XXXX ( the actual bill : proof file attached ) trying to explain to them to what was going on, but this number would never be working. There were no chance to talk and correct this matter. 

So, I had to forward the bill to my attorney in XXXX 2015 ( please see proof file attached ) No further bills have sent to both my attorney and I after XXXX 2015. 


Bill was not paid until I acknowledged the alert from my credit report ( on the night of Friday, XXXX XXXX, 2015 ) where my point dropped down XXXX points. After I know the problem, I took care of the bill myself ( payment posted on my account on Tuesday, XXXX XXXX, 2015 ). 

My attorney made the informal conference to XXXX agent ( please see file attached ) XXXX did not take care this bill. That was the reason why my credit score has dropped XXXX points because the collection action was put under my name. 

I need XXXX insurance explain in writing where I report to credit bureau that it was not my false. 

Company response: Company chooses not to provide a public response
Consumer complaint: putting improper information on my credit report that is not trues. I ask them to provide me documentation. they said they have to look for it been waiting for months never given. 

Company response: Company chooses not to provide a public response
Consumer complaint: This number called and did n't say anything. So I called back and asked for social security number. I asked what it was for and she told me company name is XXXX. I let her know I did n't know them and what was this about. She then transfers to Virginia. Got voice mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally did go delinquent on a college loan directly with XXXX college in XXXX in XXXX. They sent it to collections and a couple of different companies picked up the debt. I paid the collection in full in XXXX. However the collection company that had the debt last moved the original delinquency date up to when they acquired the collection contract to XXXX of XXXX. It is my understanding that original delinquency date of XXXX should be the reported case. 

Company response: Company chooses not to provide a public response
Consumer complaint: select portfolio services reviewed mortgage and taxes in XXXX.they said my county taxes increased to more than XXXX dollars. after a long lenghy battle and a complaint to you i recieved a decrease in my mortgage to XXXX a month this years statement say i owe XXXX in taxes because of ashortage in my escrow .my payment is now XXXX a mortgage pay ment increase of XXXX. XXXX i am a XXXX .how do i pay this because all they want is my house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I HAVE A NEW ACCOUNT THAT IS A SECURED CREDIT CARD WITH XXXX THAT IS BEING REPORTED THROUGH EVERYONE BUT TRANSUNION! THIS IS ALSO IMPACTING MY CREDIT SCORE AS I SPOKE OF IN THE PREVIOUS COMPAINT THIS NEEDS TO BE REPORTED FROM XXXX TO PRESENT PLEASE AND THANK YOU, UNSURE WHY IT HAS N'T BEEN REPORTED AFTER REMOVING DEROGATORY DEBT? SO I THINK MY SCORE WOULD BE WAY HIHGER THAN A XXXX AS PREVIOUS STATED BUT STILL HAVE N'T SEEN ANY DOCUMENTS TO BACK THAT STATEMENT. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have being trying for years to fix the situation on my home. For years, I 've being in and out of court without any positive results. The lender has not been willing to work something out. I believe that a fraudulent foreclosure is being processed because I do not even know the owner of the loan I defaulted. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Bank of America is having me pay {$130.00} per month into an escrow account for taxes and insurance ( says it on the bill. ) The taxes are $ XXXX/month and the insurance is {$26.00} per month. Neither bills have been paid, and after 3 hours on the phone and bank visit, no one can figure out why. They are saying that I either need to pay it myself, or wait one week to be contacted by them. Meanwhile, I received a letter on XXXX/XXXX/15 stating my insurance was going to be cancelled because of this. They ( XXXX XXXX ) said they sent Bank of America several bills for {$310.00} ( now {$340.00} for late fees ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Santander Bank, without giving any reason, asked me and my wife ( we both had our separate individual accounts ) to close our checking, saving and money market accounts and warned us that if we will not close the accounts within 30 days they will close the accounts. The balance in the account was returned after three weeks in my case without any interest. We had no problem with any other bank where we had our accounts or opened new accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been with Bank of America for months. I had half of my check going into bank of america for direct deposit and the other half of my check into XXXX. I transferred the funds from my XXXX unto Bank of America. There was a misunderstanding on why the check did n't clear. The check totaled a little over {$700.00}. Saturday XXXX/XXXX/15 I withdrew XXXX I actually saw the check clear on XX/XX/2015.I did n't withdraw anything else because I knew XXXX/XXXX/15 my direct deposit would hit and I would have enough money to pay my rent. I was not notified that the check dint clear. I wasnt notified of anything being wrong at all. Instead of contacting me. Bank of America Maliciously waited for my direct deposit to hit, and CLOSED MY ACCOUNT SAYING NOTHING! When I went to the branch they advised me the check did n't clear. I was confused and said well my direct deposit should have definitely been enough to cover the {$200.00} if there is any issue. They took my money and closed my account and then reported me TO CHECK SYSTEMS. NO EXPLANATION NO NOTHING! I AM UNABLE TO OPEN UP ANY OTHER ACCOUNT! I OWE BANK OF AMERICA XXXX DOLLARS AND FOR ME TO HAVE TO PUT A HOLD ON MY DIRECT DEPOSIT AND THEM TO REPORT ME TO CHECK SYSTEMS WHEN I OWE THEM NOTHING-IS UNLAWFUL, AND MALICIOUS INTENT 

Company response: Company chooses not to provide a public response
Consumer complaint: This Company called my house phone 3 times, they left a recorded message on answering machine, then a lady called ( from XXXX ) and asked for a XXXX XXXX and I told her she had the wrong number and no one by that name lived here and that we had this phone number for over 8 years and not to call again. About 3 hours later we get a recorded message ( from XXXX ) saying we needed to contact because we had been sued and would be arrested if we didnt contact them to setup payment. I hit XXXX to talk to someone and a guy answered and I told him that they called earlier and I told them they had the wrong number and not to call my home again. I asked them their address and they gave me XXXX XXXX XXXX XXXX Texas XXXX, but that XXXX belongs to XXXX and they said they called them about using there address. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: on a sunday, I went to a free atm to get money after church to pay my tithes and for gas money for work I knew exactly how much I had. Nothing was available. called the skylight card and they told me a transaction had been made I asked them when and they stated that day. I informed them I was at church. They then informed me that the company that made the deposit did a reversal and that they would have my XXXX back on in XXXX hrs, I called back they stated they mailed it to my physical address. That is the last that I have heard from them I contacted the agency and was told they said they would mail the check to them. I do n't know why they have not either mailed the check by now or placed it back to my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Continuous calls from Cooper Hauffman & Klein. I have been ignoring their calls for months after my request for a debt validation letter was ignored. They continue to call and harass me multiple times per day. They use foul language, threatening tactics and will not stop despite my verbal request that all communication be by postal mail. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: M & S Recovery Solutions, LLC contacted my mother on a past debt that I was not aware of on XXXX/XXXX/2015. They left a message for her to call them back. When she called they told her that they were going to file a XXXX on her with the IRS on a Credit Card purchase of mine at XXXX XXXX XXXX and told her to have me call them immediately to prevent this action. She was never involved with either the obtaining of a credit card for me or any purchase I made at XXXX XXXX XXXX and they are threatening her and giving her information on my account with them. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My husband got hurt at work 3 years ago. We have had a hard time keeping up with payments. I have started to work to help out but our payments are behind. We dont dispute that we are doing the best we can and are almost back up to date on payments. The problem is that they will call us XXXX times a day when they know we are at work and not able to answer or phones. When we do answer the phone they are always rude and telling us how what we are doing is not good enough and we just need to move out. We have been told many time that they are about to forclose and they leave this on my husbands voice mail after we told them he didnt have that number any more in hopes to cut down the calls to his number. It has got to the point that we dont want to answer the phone at all to talk with them just to be told we are not good enough and that sending our whole paychecks in to them isnt good enough. The company is Ditech. If there is something that can be done please help us. We are at our wits end with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They call repeatedly from different numbers and if their calls are not answered, they call a person who is not responsible for the debt in anyway, but was used as a reference at the time of the debt purchase. I am aware of my debt to this business and am doing what I can. It is completely unneccessary that they call and harrass me as well as people who know me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone is in my account 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Did online dispute for Experian for XXXX XXXX as creditor I owe. I informed them the creditor listed was included in my Chapter XXXX bankruptcy. They refuse to update and sent back a correspondence that says the balance is correct, and the account is still pass due. i even forward a hard copy of Bankruptcy documentation. They still refuse to acknowledge and list the correct amount at the time the bankruptcy was file, and still listed for over 19 mos. since bankruptcy has been in effect. In below attached document was sent in which list all creditors. XXXX who represents XXXX XXXX still list debt as if I am not taking valid claim and is past due 

Company response: Company chooses not to provide a public response
Consumer complaint: SunTrust Bank was running a promotion that told consumers that they would get up to {$200.00} for opening an account with them. My fiance and I opened an account with them at the XXXX, FL XXXX XXXX. We were promised and assured that we would receive the {$200.00} promotion as long as we qualify with at least {$2000.00} in Direct Deposits in a 60 day time period. I have heard this same information from multiple representatives and they have also assured me that I would be receiving my promotion in 6-8 weeks from the time I qualify for it. When I had n't received my money in the time frame mentioned above, I began to question the validity of the promotion by contacting corporate and walking into many branches. I was told the same information over and over again. I am now hearing from a XXXX XXXX in the Client Relations and Support Team that I will only be receiving {$100.00} on a smaller scale promotion. Digging deeper, I found that other complaints that I have tried to address with SunTrust Banks had gotten the lady that opened my account fired. She is no longer able to tell us what she had stated to my fiance and I when we opened the account, and SunTrust " has no record of what was said '' even though there is surveillance in the branch inside of XXXX. SunTrust has also stated on a recorded line that many of their representatives have relayed incorrect information to me. Therefore, I would like to receive the amount of money I was promised and assured of when I opened the account, and I add that those promises were made from more than one representative. I, as the consumer, should be able to believe representatives of this financial institution when they tell me I will be getting money from a promotion, therefore I feel that I should be getting what I was promised as the consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is supporting information to verify all of the facts in complaint Case # XXXX where I report that my " modification '' was indeed a cash out refinance loan because XXXX XXXX did indeed pay off XXXX XXXX without my knowledge or consent and then did not disclose these funds on what they called a modification but which was really a cash out refinance that was done without any RESPA documents including HUD-1 and Right of Recision. 

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