AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX, I requested assistance from XXXX XXXX to modify my loan during a severe economic downturn. XXXX XXXX would only offer a 5 yr balloon option. I advised them at the time, that I was in the process of a short sale on my prior home and would not qualify to pay them off in 5 yrs. They stated that as long as I proved I had the ability to repay they would remodify after the 5 yr term. Fast forward to XXXX XXXX, I submitted for remod, XXXX sat on the file till XXXX XXXX, then sold the file to XXXX XXXX. I contacted XXXX XXXX and they said I had to wait for 60 days till they got the complete file then they would issue me a new remod package. I received that pkg in XXXX XXXX. Completed and resubmitted. They advised me in XXXX XXXX they would no longer accept pmts because the balloon came due in XXXX XXXX. I applied for assistance from the state in hope this would entice the lender to remod. The state said they would provide {$30000.00} but that they could not finalize unless the lender agreed to modify. XXXX did not respond for months but finally told me the investor would not extend the loan because they purchase the file on the secondary market as a fully maturing 5 yr balloon loan. I requested a reconsideration because this was a fraudulent transaction sale as this was sold to me as a balloon with the remod option at the end of 5 yrs. I did not hear back from them. Several months passed and I received notice that Shellpoint Mortgage was now servicing the loan. I requested for the mod pkg. provided all of the items and proof of income to support repayment. They said I cleared underwriting and were just waiting on the investor to determine which remod option was available. This took place in XXXX XXXX. XXXX XXXX they stated they needed 30 more days. I did not hear from them till XX/XX/XXXX. They declined the remod and gave the option to short sale or deed in lieu the home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Credit report ( s ) are showing a past due unpaid balance on an account that has been paid and satisfied. For several months I have been in communication with XXXX and they promised me they would update my report ( s ) and as of today, XXXX XXXX, 2016, they have not. This situation is compromising my financial position and I want this corrected as soon as possible. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After my chapter XXXX BK ( 60 months plan ), I applied a refinancing with XXXX XXXX. XXXX XXXX disapproved my refinancing because my current mortgage Wells Fargo mortgage submit my 12 months payment history in error. Wells Fargo claimed that I was 2 months behind my payments. I have copies of 12 endorsed checks by Wells Fargo first week of each month for 12 months. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a car loan, through Ally Financial, that was part of my bankruptcy. My bankruptcy was discharged on XXXX, but after XXXX unsuccessful disputes through XXXX the account is being reported open, and Collection/Charge Off. It also shows a balance of {$1600.00}. It is my understanding, since this account was part of my bankruptcy, it can not be reported as collections/charge off or open. I have had the title for the car since XX/XX/XXXX, which Ally Financial sent to me. Please assist me in rectifying the reporting of this item. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted on my personal cell phone and home phone at the most inappropriate times from the company ERC regarding a XXXX telephone debt that is not mine. 

They list account # XXXX with a debt of {$280.00} ... 

I have contacted XXXX and they have confirmed that this is not my debt. 

I have also contacted ERC to advise them and they stated that I would not be receiving more calls however they continued to call and send letters to my home. 

The info for ERC is as follows : Telephone XXXX Address : ERC XXXX XXXX XXXX, XXXX. XXXX and ERC XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX I am asking that this company be investigated for fraud and that they cease contacting me. 

Thank you for your help. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H- XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2016 I made a purchase from lowes via there website.There was an issue with that purchase that led me to file a dipute. XXXX corporate agreed to that dispute and authorized the release of those funds back to me.However my debit card company is holding those funds and will not release back to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I obtained a mortgage modification from CitiMortgage and although I was only {$51000.00} behind in payments, the total amount of payments I would have to pay over the term of the new modified loan is over 10 times that amount ( {$570000.00} ). I was only 9 years and 8 months away from paying off my original mortgage. Now, I have 40 years of payments per the new note. This is CRAZY!!! I had no choice but to sign the loan mod or face losing my house. I spoke to CitiMortgage representatives and they could not offer any explanation. I do n't think this is a fair practice at all. I understand I am responsible for the original note/principal balance, but to be charged over 10 times the amount I fell behind does not seem fair at all. I believe Citi is taking advantage of people in difficult situations. I am out of the mess I was in and have been current on my payments. I just ca n't seem to fathom making 40 years of payments. Citi did n't offer the XXXX XXXX XXXX Program to me despite receiving government money. The XXXX Mod that they offered was an in house loan mod program and I believe it is truly taking advantage of people in similar situations. Citi should be held responsible for their actions. 

Company response: Company chooses not to provide a public response
Consumer complaint: Nemo 's collection XXXX has a debt listed on my credit report that is not mine. I never signed a contract or entered into any contract with the people who owe this debt. I have disputed this with XXXX XXXX and Nemo 's to no avail. I have been unable to get credit or a loan due to this horrible ding on my credit report. 

I have attached the letter I sent to Nemo 's requesting all copies of said contract, etc. They did not send anything but a statement requesting payment. 
Further exploring by a family law official exposed the fact that this debt was discharged in a bankruptcy and is in the public records. I have also included the letter with the case number, as well as other supporting documentation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans Union is refusing to investigate and remove some accounts from my credit file that do belong to me and correct some accounts that are reporting incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB I am trying to obtain a final modification but several banks have failed to file satisfaction of mortgages and it is having a negative impact on my ability to do so. 

XXXX XXXX XXXX XXXX a company acquired by XXXX in XXXX. I need a satisfaction of mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Monday, XXXX XXXX, 2015, My next door neighbor received a voicemail message from a XXXX XXXX, Sallie Mae Student Loans, who left a phone number XXXX, ext. XXXX, asking my neighbor to contact me about someone I am related to, regarding time sensitive information she had for him. 
This is very disturbing and a clear violation of privacy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit report has been pulled and a hard inquiry has been left on all XXXX credit bureaus for many companies synchrony bank has pulled my report for ( twice ) XXXX penny, XXXX, and others against my permission 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have requested from this company three or more times strict proof of charges on this account. I was not receiving statements from the company and have requested statements to no avail. The company keeps changing their collection agency and has been putting negative on my credit report when the seven ( 7 ) years expire they change the dates and amounts and put another negative on my credit report by allowing another firm to place this same account with different amount of debt on my credit report. This is an ongoing request that has not been satisfied by XXXX XXXX, I have yet to receive strict proof of any charges that I owe. I have submitted on several occasions disputes and request for strict proof of debt via certified mail. I have yet to receive statements with proof of debt. XXXX XXXX stated that no statements have been returned, of course not because none was sent out in the beginning. Per the office manager at their local office on XXXX, which has since closed, the corporate office is responsible for sending out these statements and the request would have to made in writing. I do n't understand how I was paying via online system and the payments were being accepted ; however, no statements were being mailed to me. I also had my attorney to request this information to no avail. I had a request from my State Attorney Generals Office regarding this matter, so if I was trying to avoid payment I would n't have responded to their request. I have paid off several accounts but I received strict proof of all charges and saw where my payments were being applied. XXXX XXXX feel like they are exempt from supplying me statements regarding this account, they also allowed a third party to produce a new statement that was based on the information the collection agency wanted to charge me. This was not a true and factual statement but a new statement from the collection agency. I need strict proof of all charges and statements from XXXX XXXX and for the negative marks on my credit report to be removed for the time has expired. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2013 XXXX accepted a settlement payment for a credit card acct. ending XXXX. The Bank sent me a letter showing payment and settlement in full, but they said my credit report will take 3 month to update this new info. except they miss reported the new info by showing that I sill have a balance of {$1100.00} instead of {$0.00} due to the settlement. there have been a dozen of phone calls made to their recovery department which is the department that made the settlement and issued and mailed the settlement letter dated in XX/XX/2013 in trying to resolve this discrepancy but the answer was always that it may take sometimes to update the credit report. It has been 2 years, and XXXX disputes with the credit bureau that always came back with the same results ( A balance of {$1100.00} ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for Citi Diamond Preferred Credit Card. Got approved. 
Was surprised to see being assigned the highest APR possible, because my credit is excellent ( XXXX, XXXX, normal range is XXXX -XXXX ). Called Citi to inquire why the highest APR was allocated?. Also, inquired what was the formula and what credit score was required to get the lowest APR. XXXX nor supervisor could answer. Indicated there is nobody in the whole company that knows how APR is calculated. 

This is both false and deceptive, because Citi represents that the APR is based on your credit scores. However, they are - either uniformly assigning highest APR regardless of your credit score OR using discriminatory ( racial, nationality, sex, etc. ) criteria to assign highest APR 's to certain groups regardless of credit scores. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been in a, Short Sale process with Dietch ( formerly Green Tree ) and XXXX since XX/XX/XXXX.The lenders have delayed making a decision on the process. I can not no longer afford to remain in the home, due to a financial hardship due to living on a fixed income, health issues, expensive medical care, treatments and high cost of medications. Additionally, Major home and auto repairs are contributing to me suffering a financial hardship trying to keep the home. I have live in the home for over 13 years, at the time that the home was purchased I was working. I retired in XX/XX/XXXX. My income decreased from {$78000.00} annually to less than $ XXXX.My income can not keep up with the cost to maintain the home. The home is XXXX levels, my health is deteriorating making it difficult to walk up the steps.I have provided both lenders with continuous documentation since, requesting the XXXX XXXX have complied with all documentation requests from the, lenders. I have submitted all information accurately and timely since XX/XX/XXXX.Ditech and XXXX continue to delay making a decision on my case. Both lenders frequently misplace submitted documents and claim that they did not receive them and that my application is incomplete due to missing documents. I have a team which consist of a Facilitator, a Realtor and a Law Firm who are representing me. The team reviews every document that I complete, prior to submitting them to the lenders for accurate, information. I am bombarded with multiple letter weekly claiming that they did not receive the document and states that my request is denied due to incomplete information. IF have been asked to send the same information in repeatedly. They continue to claim that the documents have expired and that I need to updated the same information that I have been submitting all the time. I have not been provided with any justification for the long delay and lack of decision. I have always submitted and honored all request from the lenders. 
I am fully aware of the severe fine that the FTC and the CFPB levied against Green Tree XX/XX/XXXX for mistreating customers. I feel that the lenders are treating me unfairly. I need your assistance with investigating my case to find out why the lenders do not come to a decision on my Short Sale request. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Refer to complaint XXXX. The complaint was not resolved. The company did not correct my mortgage payment effective XXXX 2016 per their response. They admitted that they stole {$1200.00} from my escrow account to pay someone else 's taxes and that they penalized me by raising my monthly payment. They made their correction effective XXXX 2016 leaving me to pay the {$890.00} for XXXX which is {$220.00} more than was due for XXXX 2016. Their response did not address the other issues at all ... the fact that they have consistently paid my XXXX taxes late costing me late fees and interest. They did not respond to my request for a refund of the late fees and interest that they again stole from my escrow account. They also did not speak to their insulting and derogatory message " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This statement is made on every call I have made to them and also appears in their response letter. They are not attempting to collect a debt, my account is not past due, I am calling them with questions and they are not a collection agency ... they are my mortgage company. I am 100 % dissatisfied with their response and demand action. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called into XXXX Consumer Finance and have filed a complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX : an account I had with them XXXX. XXXX is the collection agency. I filed a complaint with XXXX ( XXXX ) and Experian ( XXXX XXXX to have them remove a collection from my credit reprt. I have had XXXX for years as my TV, internet and telephone service provider. XX/XX/XXXX, I spoke with XXXX of their sales reps that I was moving from my old home ( this home sold and closed XX/XX/XXXX ) to an apartment for one month till my new home was built ( XX/XX/XXXX ). The rep agreed for us to take the equipment to the apartment. They sent a technician that set up our TV and internet in the apartment. Around the middle of XXXX, I called in that we were moving to our new home and the sales rep stated that I needed to pay the {$260.00} in order to close the account at the apartment, I asked where did that come from and she said that I signed a contract. Of course I knew that was not true because we were moving to our new home. After speaking with her supervisor, I knew the conversation was going no where. At this point, I wanted nothing to do with them. I know that if XXXX XXXX XXXX ( the CEO and share holders ) knew what they were doing to customer they had for years, they would have intercepted. I believe that sales rep received some award for signing me up for a year. The plan was to take my old account with me. Somehow there was miscommunication, but I am the long-time customer, they should have taken care of me. 
Please look at my credit report. I have had impeccable credit forever. Why would I choose to not pay {$260.00} and mess up my great credit. I am credit worthy and because of XXXX of their sales reps, my credit score has dropped from the XXXX to the high XXXX. Being a XXXX, I know how important credit is, I would not jeopardize my credit if I owed this {$260.00} and chose not to pay it. Does not make any sense. 
I have clients that have had XXXX XXXX XXXX on their credit reports that they have refused to pay, now I know why. I would look at the amount and think why did n't they just pay them. It is the principle. I am now in that class.. 
Finally, I will attach a credit report from XXXX, stating they have removed this item from my credit report. Experian has chosen not to. I need Experian to remove this collection from my credit report. Please assist me in this matter. 
Thank you for your time, XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently refinanced my mortgage and I have been receiving several letters in the mail soliciting me to do another refinance. I received XXXX from United Military Mortgage LLC and it really concerns me. The letter states I can get a rate at 2.25 % ( XXXX ). In reading the reverse side of the letter I found out this was for a 3 year Hybrid ARM/Adjustable Rate Mortgage with XXXX discount points. No where on the front does it list the loan as a ARM and/or list any discount points. This is very deceptive advertising and I do not believe that this should be allowed. As well as this loan would refinance me into a 3 year ARM from the 30 year fixed rate mortgage at 3.25 % that I currently have. Being in the business I do not see how that would benefit my current situation or any borrower in a similar situation. I also do not think your average consumer would figure out that this was an ARM until they started working with the company or possible close their loan. With all the regulations out there today, I do not know why this kind of advertising is allowed. Company XXXX # XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX/XXXX/2016 I erroneously paid {$1800.00} to Visa credit card account using the Bank of America ( BoA ) online website.This amount was displayed as the amount owed on the drop down menu. After I clicked on the pay button, I realized that {$1800.00} was the amount that I had paid to this credit card last month. {$250.00} was actually the amount that was owed. When the {$1800.00} amount was posted as credit balance to my Visa account on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I called the BoA XXXX Customer Service number and interacted with an automated assistant that was able to determine my mistake and informed me that my overpayment would be transferred back to my account at BoA from which it was withdrawn. 
On XXXX/XXXX/2016, {$1800.00} was posted to my BoA Visa account as a Credit Balance Refund Debit. 
OnXX/XX/2016, I called the BoA XXXX Customer Service number and asked why {$1800.00} had not been posted to my BoA Checking account from which it came. The BoA assistant answered that it takes 3 to 5 days to complete the transaction. I then asked why it took 3 to 5 days to transfer the money from the card account to the my Checking account but only took 1 day to transfer from my Checking account to my card account. The answer was that BoA had certain procedures. I then asked to speak to a supervisor. When the supervisor got on the phone, I was told that procedure to 3 to 5 days and nothing could be done about that. I then asked to speak to the supervisor 's boss and was told there was no one else available. 
My complaint is that when I make a mistake, it appears in BoA 's favor in a day but it takes 3 to 5 days to correct the the mistake. BoA website prompted the mistake by displaying an erroneous amount. Why was a payment that I had already made still showing as an amount owed. This information is kept on a computer and should updated promptly.
Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am in rehab for the entire amount of my federal student loans with a collection agency. Another collection agency has garnished my wages. I am not sure if they are included in the rehab or not, but Allied is unwilling to work with me to eliminate the garnishment. They say I must pay an additional amount, every month, in addition to the garnishment and what I am paying on my rehab if I want any relief. I know some relief must be available other than further XXXX my finances, but they have been rude and unwilling to work with me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response