AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My mortgage was sold to Loancare around XXXX 2014 and since then I have had to call and make them take my payments off of the " principal '' and put it back to monthly payments. I have always been ahead on my mortgage only to be told by Loancare that they put my payments to principle instead of my payment every single month,. I am furious that I have to keep fighting for the true status of my mortgage because XXXX XXXX decided to sell my mortgage to the most incompetent people in the mortgage company business. I want to find out how I can get away from this nightmare company, and the hours of phone calls to these morons! We all deserve better than having our mortgage sold to such incompetent, and rude people. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage banker was PennyMac Mortgage in XXXX XXXX, XXXX XXXX XXXX and XXXX ( current mortgage ) paid Penny Mac {$150000.00} to a principal balance of {$150000.00}. Penny Mac insisted that a refund check was issued on XXXX XXXX, I got XXXX for {$60.00}, that is all. Other than this I have made extra payments in XX/XX/2014 for XXXX and XXXX payments of {$250.00} in XX/XX/2014 which were never applied to the principal. I have requested several times for a summary of all payments made by me from XX/XX/2013 to XX/XX/2014 and never received this. What kind of a mortgage company is Penny Mac hoarding the money of a poor homeowner who was never late in making payments, biweekly drawn by Penny Mac from my checking account. This was simple mortgage no insurance or taxes included, I pay for these out of pocket. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On or about XX/XX/XXXX I went to the local Sun Trust bank to open a CD. I was referred to the investment Rep, XXXX XXXX, to consider their " Sun Trust Index-linked Certificates of Deposit ( SILC ). I was given some paper work which I read and was told that the SILC was only available until the end of the month. I was not told and no where in the paperwork did I find any info indicating that they would charge a surcharge for opening the account. I opened an account for a {$50000.00} six year CD with a guaranteed return of 5.5 % at the end of the term but that it could be higher based on the XXXX XXXX XXXX. In early XXXX I received a statement indicating that my account with a settlement date of XX/XX/XXXX had a value of only {$48000.00} and a cost basis of {$50000.00} as of XX/XX/XXXX with an unrealized loss of {$1500.00}. I questioned XXXX XXXX as to what happened to the money. He said it was due to fluctuation in the market which I told him was impossible to have a drop in the XXXX of exactly 3 % on the day of the transaction. He later changed the story which he has changed a few other times and now says it is in the document that there would be a charge but he still will not tell me where in the document this info exist. In XX/XX/XXXX I received a XXXX for the {$410.00} interest but no mention of a fee. I obviously had to pay tax on the {$410.00}. It appears that they treat the income similar to other stocks or bonds but not the cost basis. I feel someone needs to review where those funds go. I have never heard that a bank charges for opening a CD. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an unsolicited check in the mail from Mariner Finance LLC in the amount of {$1200.00}. The check stated by signing and cashing I would enter into installment loan with them. At the time I was consolidating debt and needed the money and the low monthly payment of XXXX enticed me. I deposited the check and made XXXX payments before deciding to pay in full. I sent several emails through their online portal asking for final balance and never heard back. They called me XXXX time before I paid off the loan, telling me I can have an additional funding, I advised not interested but after this call from my local XXXX XXXX branch, my preference is to receive communication in writing for financial matters pertaining to this loan so I will not call them or discuss over the phone. This is based on the strong urging from the caller to visit them to receive " more money. '' After this call I had a bad feeling about this loan. They have tried calling my desk phone at work but I will not answer since personal calls are not allowed and because I prefer in writing. My total payments were {$76.00} more than I borrowed and the final payment I sent was what appeared on my credit report as total now due ( this entry somehow has now disappeared from my credit report ). After it vanished from my report I figured it was paid in full only to receive another call to my work number this past Friday XX/XX/XXXX. I checked XXXX 's web portal this morning and it shows an open loan with a " maturity '' date of XX/XX/XXXX and my next payment due as {$60.00} with a future date of XX/XX/XXXX. I have not received any billing statements nor have I signed any documents other than the unsolicited check they sent me. I suspect they are withholding the total due and future dating a payment for some interest charges to accrue interest. My loan was open less than XXXX months and by my calculations ( based on future date and total payments ) my total interest paid for a 60 day loan of {$1200.00} would be {$460.00}. I have never received any acknowledgement for the XXXX emails I sent, I do not wish to speak to this company other than in writing and they have never sent me a single statement in the mail. An online search of complaints shows similar experiences with other clients. Attached is supporting documentation showing the payments made from my XXXX XXXX checking account and the deposit of the {$1200.00} check back in XXXX into my XXXX XXXX account. I do not have any other documents since none were ever provided by this business. 
I strongly believe they are comitting predatory lending and fraud based on my above experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was informed by letter by XXXX VISA that the company would be switching to mastercard. This switch would take place beginning in XXXX and the old VISA cards would remain active for 30 days after receiving the new mastercards or until XXXX 2015. However the company canceled my Visa card before the new mastercard arrived. This caused my automatic payments to be declined causing me additional fees. This also occurred while I was in a different city, effectively stranding me without my only credit card. I contacted the customer help number on the card and was informed that after an account has been canceled there was nothing that they could do. The representative did offer me {$50.00} for my inconvenience and offer to rush ship the card, but that did not help that my auto payments have been declined and I had the card canceled while I was in a different city. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am the mortgage owner. My mortgage modification is unaffordable, because I am on a fixed income, due to medical issues ( XXXX ). My wife is assisting me, but she has her own bills and she is not on the mortgage. My income is {$XXXX} per month, and I am not asking for a free mortgage, but a $ XXXX {$800.00} mortgage would be more reasonable then {$1200.00} that is currently being asked for. 
The property value has diminished, due to the current net present value and community down grade. My neighbor next door value is approximately {$99000.00}. We have been very patient with the Bank, by coming in a few years ago to speak with a representative, but to no prevail. We love our home and want to stay here. We are only asking that request be taken seriously, as being given a true modification for the benefit of the customer. 
I look forward to hearing from you to address the above concerns. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is usurping RESPA Guideline and spending large amounts of money in marketing to the Realtor community. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, I am currently receiving requests for wage garnishment from a debt collector for an additional amount that they were not awarded by my local court system. They have been overpaid for the amount that was awarded and actually owe me over {$500.00}. 

I have contacted the company that the original debt was with and it has been satisfied. I have repeatedly requested receipts for my payments from the debt collector and have never received XXXX. I have paid everything through my debit account so I know how much I have paid. I have requested a copy of my account showing where I owe additional money and they have never produced any documents. When I asked what the additional charge was for I was told that it was for " legal fees '', which were not awarded in the lawsuit. I said no you were not awarded legal fees and so they changed their story to " cover the interest on the account ''. They were not awarded any interest either and it is very clear in the judgement. 

So they have been trying to receive payment for items that were not awarded and they can not produce any documentation showing where I owe any additional amount. When I have spoke with their phone personnel no XXXX can answer as to what the charges are for? 

They owe me a refund which I want, I can produce the documentation showing what I have over paid. I 'm tired and frustrated that I have had to deal with these people and they seem to feel they can do whatever they please. I never denied having a debt and had made arrangements to pay the debt before going to court, However, the collection company refused to accept payments from the debt consolidation company that I hired. 

Last year I filed a complaint with the Consumer Financial Protection Bureau regarding the amount I owed and they contacted the original lender and an adjustment/credit was made to the account. I thought that everything was straightened out, and for the most part it was. But now I have this lingering problem that I need guidance in handling. 

Company response: Company chooses not to provide a public response
Consumer complaint: i found a 30 day late on my credit report on a line of credit account and the 30 days late apparently happened in XXXX of 2009 and contacted the bank for an explanation, apparently the bank does n't have or could not locate the events at the time, they know that the account probably was acquired from countrywide financial and maybe it happened during the transfer of accounts to their bank ... i was told that the XXXX payment was never collected and thats a proof that maybe the payment went to countrywide and they collected the money from them. i ask to be removed from 30 day late and they advice me to file a complaint to get this resolved. i know its only 30 days but if it was not my mistake removing this late payment will be helpful in my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I discovered I had an account placed with NCC, Nationwide Credit, while pulling my own credit report. I called them immediately and arranged to pay in full, though I am STILL unaware of what the charges are for. We are in the process of home buying and I wanted the account removed as quickly as possible. I was VERY explicit that I would pay the account in full, as long as the collection would be DELETED or REMOVED from all of my credit files and NOT merely updated to reflect a 'paid ' status. The employee I spoke with, XXXX XXXX, assured me that it would be DELETED and not just updated. I agreed to make payment, based on that conditional understanding. After the account was updated, and NOT deleted as agreed, I called them back at which point XXXX other employees apologized, but informed me that removing the collection was not possible. This agent was dishonest and deceitful in obtaining payment. She served as an extremely poor representative for this business, and for the hospital, XXXX XXXX XXXX, that hired this agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: My house is in foreclosure : I 've applied to do a short sale & have been ignored-now I 'm getting notices from the local sheriff 's dept.I was informed I could do a short sale : I started the preliminary process but, as per usual with BOA , the CSM changed & did not call.I called the numbers I had but my account was not in that dept. & I was n't given the option of speaking to anyone or leaving a message.Im frustrated & extremely stressed.Ive tried, to no avail, to get a loan modification.Now, I 'm just trying to do the right thing by selling the property, so BOA gets their miney & I can start over with my sanity intact 

Company response: Company chooses not to provide a public response
Consumer complaint: My lender BofA put a force placed insurance policy on my house at XXXX times the market cost of the actual policy. During that time all my payments were made electronically each month and I was never late prior to them adding about {$1500.00} per month to my bill to cover their profits from insurance company they owned. Furthermore they kept my payments in a suspense account and eventually returned via cashiers check instead of applying funds to XXXX missed payment. Following that time they tried to entice me to move by offering me {$.00} then a deed in lieu ( which I never applied for but was turned down ) and finally the year long modification process. During that time I met with a real person at BofA who told me if I hired an attorney I would NOT get a modification and that I should NOT replace lender placed insurance until after the modification ... even though it would save over {$700.00} per month. Although I know I qualified for DOJ mod, I was continually denied. Furthermore by not applying funds to XXXX and XXXX missed payments i believe they violated fair credit reporting. I am currently facing foreclosure for an escrow shortage because of force placed insurance! 

Company response: Company chooses not to provide a public response
Consumer complaint: The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have had my US Bank XXXX XXXX XXXX XXXX card for over a year now, and was charged the {$60.00} annual fee right away which of course I gladly paid due to the benefits it was advertised to come with. 

However, soon after paying, the first week of XXXX, XXXX XXXX & US Bank announced that they were no longer going to be offering the " Award Night Benefit '' of the card. The benefit was that if you booked a XXXX night stay on points and you had their credit card, you got the XXXX night free. This is right after I paid my {$60.00} annual fee for that benefit! The value of my card is now cut in half but my fee stayed the same. I called and was only offered XXXX points. I was told they could not waive the annual fee or give more points even though it 's a clear violation of the card terms I signed up under. They were violated right after paying the fee. The card is now worth XXXX of what it used to be. If that. Now I 'm finding out that other people received the fee waived plus XXXX - XXXX bonus points and I feel like they not only violated terms but XXXX me and ripped me off as a business customer. 


The terms said, " Bonus Award Nights - When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. XXXX Exclusively for cardmembers! " Note the " EXCLUSIVELY FOR CARDMEMBERS '' ... However, that 's false advertising because they now took that away! 

It also said, receive all of the benefits by paying your {$60.00} annual fee. Which I paid, and now I do n't receive those benefits. 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations XXXX XXXX years XXXX to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history. 

XXXX A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more XXXX years old, or bankruptcies that are more than XXXX years old. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently received a letter from Financial Asset Management Systems Inc in regards to a private student loans with XXXX XXXX. I am recently dealing with collection calls everyday where they are stating they are trying to collect a debt on a student loan. I recently contacted Department XXXX who looked up all student loans under my social security number. Department XXXX did not inform me of this so call XXXX loan with XXXX XXXX. Im in need of some assistant because this particular debt collector is telling me I owe them {$11.00}, XXXX which {$2700.00} are fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unable to get loan approval because XXXX XXXX XXXX / account number XXXX is showing the verbiage " Account Information Disputed by Consumer ''. I am not disputing this account and demand that the statement be removed from my credit file ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America hired a firm to sue consumer in Texas and obtained a default judgment. Consumer was unaware of debt or lawsuit until XXXX when the judgment prevented consumer from obtaining mortgage financing. Consumer attempted to resolve the debt but was unable to obtain any information. Consumer hired attorney to assist. In XXXX attorney contacted Texas law firm representing Bank of America and after XXXX months of repeated requests for copies of the summons, complaint, default judgment and any statement for the account, no documentation was provided and Bank of America took back the account. For the next XXXX months attorney attempted to obtain documentation from Bank of America without success. A CFPB complaint was filed, and no response was provided. Bank of America refuses to provide any information about the account to any party and are unable to validate the debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been using paypal via ebay since the XXXX 's I used to make my living that way now it 's just part time. Yesterday I made a small purchase no problem but today when I tired to make another small purchase I found that paypal has blocked my account forever. When I called them they only said " we do n't have to tell you why '' and 'we will never tell you why ''. I have NEVER had a problem with paying for my purchases so why the extreme discrimination? Why the attitude? How do they keep getting away with doing whatever they like with everyone 's money? How is it that the internet ca n't even come up with who regulates paypal in the usa? Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Wells Fargo Home Mortgage document was called the : Loan Program Pick A Payment Loan ADJ Rate Mortgage for the property located at XXXX XXXX XXXX XXXX XXXX. My husband and I do not recognize the signature of the name that is supposed to be my husbands. We also noticed that the address that is on this loan document is not the address for this Pick A Payment Loan Disclosure which means this document is a total fraud. I am requesting Wells Fargo Home Mortgage to explain how this happened in detail and I am requesting Wells Fargo Home Mortgage to audit this loan and explain the steps that will be taken in a typed response with this fraudulent fabricated Pick A Pay Loan Disclosure Document used for the purpose of Wells Fargo Home Mortgage/ Investors to defraud and target XXXX and XXXX people and cause XXXX and XXXX damages. Please review. I am also requesting the CFPB to investigate this case because of Wells Fargo Home Mortgage fraud and your advice. 

Thank You, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: They contacted my mother house on XXXX/XXXX/2015 around XXXX. My mother picked up the phone and has a similar name as me. She disclosed all my info and told her how muched I owed. My mother is from a different XXXX and did not understand what the female was saying. At that time she handed me the phone and I asked her what she said then she asked how would I like to pay it. To my understanding with the FDCPA XXXX of the steps is to verify identity like my birthday or my last XXXX digits of my social. If that was done at the beginning of the call my debt would not been disclosed. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I received a pre-paid debit card that was serviced by the Citi Pre Paid Program. Unfortunately, due to a financial hardship and in the midst of moving to a new house, I misplaced my card. When I recently found it, the card had expired. Citi refuses access to the funds or send me a new card because they say the card has expired. I do not think that is right or fair. I would be ok if they charge a monthly inactivity fee but at least return the remaining funds to a hard working individual consumer who lives from paycheck to paycheck. Thank you. 

Company response: Company chooses not to provide a public response