AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have had a mortgage for 13 years with Bank of America. I was late with my payment for XXXX 2015 but had properly submitted the payment with late fees through the Bank of America online mortgage payment tool. The payment was accepted for the date of XXXX XXXX, 2015. I just received on XXXX XXXX, 2015 a letter from Bank of America stating my mortgage loan has been transferred to XXXX and saying that Bank of America has cancelled my payment. The letter is dated on XXXX XXXX, 2015 but I received it almost 10 days later. I have no information from XXXX and I fear that my home is now at risk. I can not reach anyone at either Bank of America or XXXX because all of this came to me on the weekend and it is outside normal business hours. This is absolutely irresponsible and can not be legal or ethical to FAIL TO COMMUNICATE in ADVANCE a loan transfer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an email from LoanCare saying that I needed to log in to their website to update mortgage information. At the time I believed it to be a phishing attempt, as I my mortgage is currently held by XXXX XXXX, and I had never heard of LoanCare. After researching further I found they were a legitimate company and updated my insurance information online. They kicked it back saying it was incorrect, so I updated online again and then followed up with a call. I received a condescending letter today, telling me they had cancelled an insurance policy they purchased on my behalf and to make sure I kept them posted with my insurance information on an annual basis. I had never heard from my mortgage company in the first place, their subcontracted company ( who already had my insurance policy info as they were able to tell me there was an error ) requested that I update information on possibly the shadiest looking website I 've ever seen, and then purchased an insurance policy without notifying me either through email, letter, or phone call. The whole system reeks of a scam, from the intentionally sketchy webpage, to the lack of straightforward communication, to the fact that they already had my policy information ( as it did n't change ). It seems as though they are looking to take advantage of people not being proactive enough to do some research on who LoanCare actually is. Without too much speculation, I would imagine there would be some sort of financial motivation attached to them finding a policy " on my behalf ''. I would greatly appreciate if someone would look into their predatory practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I paid off the mortgage and the check was made payable to XXXX. I have researched the property in the Maryland XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX was acquired and is no longer in existence today. F.N.B. Corporation ( First National Bank ) acquired XXXX XXXX XXXX XXXX, the Baltimore-based holding company and parent of XXXX XXXX XXXX in XX/XX/XXXX. I contacted Customer Service at First National Bank, and I contacted the local branch of First National Bank in XXXX, Maryland requesting a copy of my cancelled check to prove that my lien was satisfied. First National Bank has been non-responsive and failed to return my call or follow-up on my request. 

Company response: Company chooses not to provide a public response
Consumer complaint: good evening, First on XX/XX/2015 i applied and was approved for the Verve credit card throughContinental Finance.After activation " the rep said we have charged your account XXXX '' stunned i " said why so much?? this rude women said very fast XXXX monthly maintance fee,XXXX if i call to make payment over the phone, and i now have to pay XXXX up front " i said no i 'm gon na wait till my due date '' .Which brings me forward to XX/XX/2015, I madeXXXXXXXX online payment to them, well i was not aware you could not use a debit card .... 
so they waited uXXXXtil XXXX XXXX XXXX " said you went in and deleted your debit card on line and put in your checking account number right? " I said yes because your site did not mention this.. very rudely the gettleman said that because i now paid 2 days early and changed the amount from XXXX to XXXX mind you the amount is only XXXX well i have to send XXXX XXXX or money gram of return fee of XXXX on top of the XXXX to make up for the XXXX that never even cleared bank of america.Meanwhile the revolked my account and reported me to credit bureau for XXXX and being late. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently, I read that you are investigating complaints against XXXX XXXX. XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX XXXX. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX XXXX and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was searching for a Lender on XXXX and notice this conpany.. but I did not see an XXXX number. Are they licensed? I did not see a XXXX number on their website either. 

XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: my car is financed threw ALLY, back in XXXX XXXX i asked for a extension on my car payment, I never received it until XXXX XXXX threw this happening my car payment was late but it was still paid. I am asking for the late actions to be taken off my credit report so I can buy a house, so my credit score will raise by up. Thank You! XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts with Wells Fargo. I was told when I opened them that my checking would be linked with XXXX of my savings account which was the primary savings account-meaning more money in it to avoid any over draft fees. I received fees when I had money in all XXXX accounts including the credit card account which would be the XXXX. I want all the fees back and in a timely manner. They are rude, disgusting and when the fees are returned I will be shutting down all XXXX accounts and going to another bank. Tell me how you would charge overdraft fees when all XXXX accounts have money in them? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX we were referred to XXXX XXXX at Wells Fargo Bank for help applying for a home mortgage. We explained that we have a foreclosure in XXXX and credit card debt. XXXX assured we were eligible for a mortgage, emailed a pre-approval letter and encouraged us to begin looking for a home. We found a XXXX home in XXXX XXXX of XXXX, which we bide on and our offer was excepted. We contacted our attorney and arranged for a home inspection. At the time we lived in a rental in XXXX so I flew to Il to see the home before turning over {$1000.00} in earnest money. We paid XXXX for the home inspection and emailed copies to Wells Fargo and our attorney in XXXX. We hoped to close in late XXXX or early XXXX as our lease would end XXXX the XXXX. We checked in with XXXX XXXX weekly and were assured that everything was fine, but at the end of XXXX were told that the underwriters had rejected out application. The foreclosure had to be three years old for us to be eligible for a home mortgage. I question why we were not informed of this from the beginning. We were devastated, our lease was almost up, we had no where to go and our money was tied up in escrow. We requested our money be returned and the real estate agent informed us that she need a formal letter of rejection from Wells Fargo which I requested. XXXX informed me that the letter had to come from the corporate office and had no idea how long it would take to get it. I waited two weeks and called the corporate office my self. The response was quick, the manager called me back the same day. They told me no one had requested a rejection letter on our behalf from XXXX. The letter came the next day and I had my escrow money by the end of the week. I want to know why mortgage agents are being allowed to give out false information. I would like to be reimbursed for the cost of the home inspection ( XXXX ) and travel to XXXX ( XXXX ) to look at home Wells Fargo had no intention of giving us a mortgage for. I understand nothing can be done to pay for the mental anguish this process has cost us but perhaps can learn from our experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back on XXXX/XXXX/15 we received a full price offer on a home I am selling for my clients. The Buyers Agent submitted to her lender of choice, XXXX Mortgage of XXXX Texas, and we completed all steps to close the loan on XXXX/XXXX/2015. As, of today we have heard multiple lies and received multiple emails confirming the lies they have told both the Buyers Agent and I, XXXX. Today on XXXX/XXXX/2015 we heard the truth. XXXX Mortgage and her team have not submitted to USDA for approval nor received any reason this file would not be accepted. The XXXX team is very unproffessional and has done the same thing regarding another file last year. However, last year they stated the reason the file was not completed in time was because the processor committed suicide. I did end up closing that file three months later with XXXX. XXXX herself called me on this file I am speaking about and said this was a clean file and the actions last year are resolved and she has a whole new team and that I should not worry. Well two months later we are not closed and do not have a close date in sight. I want to make sure she is reprimanded fully. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I been paying a Home depot credit card for more than a year but I owe more than what I suppossed to. I stop using the credit card on XXXX 2014 and I owed XXXX. I paid for a year and I owe XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery Company , LLC, XXXX XXXX XXXX, XXXX, FL XXXX. On XXXX XXXX, 2015 the said collector sent me a notice of some alleged XXXX-year old debt of {$97.00} from XXXX. On XXXX XXXX, 2015 I responded with a dispute letter. The collector in question has never responded to me with the required by federal law verification of my alleged debt after my dispute. Instead, they just went ahead and filed a damaging report of this " debt in collection '' with credit bureaus. I wonder do we still live in a country whose citizens must abide by law and why some people think they are immune from so blatantly braking the law? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent XXXX XXXX XXXX a XXXX letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had problems with my account awile back which I complained to " higher ups ''. Not exactly sure who they were. Seems as though nothing happened. The Bank allowed a third party, whom I do not know, and I believe I had password protection, did not help, to say bills I paid were not legitimate ( not quite sure what they said, just my guess ) because all of a sudden I had this balance in my account. The folks doing this were alleged " loan officers '' from whatever name they used. I was not happy. Called the bank first to have these transactions reversed immediately. I like to try and pay my bills. I argued at length with the phone reps telling them I was not the one who called in making these claims. I was sure they kept records of there calls, asked them to research. Finally I went to the branch I usually use. Spoke To XXXX, president, he too shook his head no when I began to explain that a third party did what they did. Got more frustrated. Mentioned I 'd already called the bank and so forth. Then he begins to lecture me on things he 'd previously told me. I had not made the same mistake. And why was my account even open to them when I had password protection? For some unknown reason they stopped asking what my password was. I had noted that when I called because the person answering the call did not ask me, nor the next person. 
So at some point, and days later, I submitted an email to XXXX hoping he 'd READ it and understand. He has a one track mind, he simply said I am messing up. No I was not. So I sent back an email saying I 'd chalk it up as him being a man. Later I received an email from the woman who opened my account not to send 'harassing ' emails to XXXX , and not to send them to her either, or they would report me to their whomever and discontinue my account. Followed by how nice they been with me. Well, hell, it was their error I had better receive those fee credits!! they were so nice to give me. Later XXXX writes or calls telling me because my payment did not go through I must pay cash or money orders. Again went back to the bank, asking them to send a letter to optimum this was NOT my fault so my being able to pay by debit card would be reinstated. I tried on about XXXX separate occasions. Said they did finally. Unfortunately that was not the truth. I have stayed with the bank, but I never walk in there again. I have no desire to see these people. Not for any other reason than I am angry and hurt. They were way off base. 
I have kept the emails, which I offered to submit to the bank. They refused them. 
I HATE BOA as a result. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has an account named XXXX on my credit report twice and I am in no way affiliated with this account. I have requested proof of debt from this company on several occasions and have received no response. I did not receive this and I did not sign for it. I would like this account removed from my credit report immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have several accounts and inquiries that are not mine on this credit report that need to be removed or blocked i have listed most of them on my credit report and i have a notarized id theft affidavit with the information on them as well along with addresses and name aliases that were never mine 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed necessary forms for a Deed In Lieu of foreclosure with BB & T loan number XXXX on XXXX XXXX, 2015 after condition of property being listed for 90 days was satisfied per their policy. i have had no response as to status and have left several voice mails with XXXX XXXX at BB & T for update with no response. 
She was the loan officer that advised me on my initial submission of requirement of listing the property 90 days prior to resubmitting the paperwork. 
I ha e also requested a copy of the entire loan file for investigation of why XXXX appraisals were ordered at my initial loan application. No response to that either! 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a revers mortgage four years ago.my son and granddaughter were support to pay on my taxes and insurance. In XXXX wells fargo sent me posted card. did n't open I thought it was junk mail. They never sent out a formal letter letting me know about my back taxes and insurance.wells fargo never give me and option of repay on the back taxes and the insurance.they sent me a letter for 30 days to comply that I was still living in my home that what started the hold thing.we sent them prove that I was still living in my home. be for the 30 day was up. well fargo still file a default any and started the prceeding of foreclosure .nowing that we was working with them by califorina law they have to work with us I call crop office in made a complaint. we told her the same thing they investigated the issue. well fargo called my granddaughter told her that the house was out of foreclosed, but did not give use anything in writing, but still put a default on the house making it difficult to refiniance the property. I feel that well fargo should have work with me on repaying the taxes in the insurance. instead of the default being file. 

Company response: Company chooses not to provide a public response
Consumer complaint: This " debt '' results from fees incurred when I terminated my XXXX XXXX account upon moving to XXXX pursuant to XXXX. As an XXXX, I invoked the protections of the Servicemembers Civil Relief Act and provided XXXX XXXX with requested documentation at the time of termination. XXXX assured me no termination fees would be charged. XXXX assessed me the fees anyway, and I called them ( at XXXX long distance rates ) to work things out. They apologized and refunded the {$340.00}. The next month, XXXX again debited the {$340.00} from my bank account, and I again called them ( XXXX long distance ), receiving an apology and a refund. It appears XXXX XXXX has debited my account again, in addition to turning this alleged debt over to Valentine and Kebartas , Inc., a debt collector collection action. 

I am fed up with XXXX XXXX acting in blatant contravention of the SCRA, and I do not want to waste additional funds calling them XXXX long distance to try and resolve the issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was informed about this when I pulled my credit report. I contacted the company and was insured that if I would do the pay off it would be completely removed from my credit. So I paid the amount they asked for and it 's still on my report. It 's been over a year and when I call they hang up on me. I ca n't get no one to talk to me about this.. I 'm a single mom who 's trying to buy a home and I hurt myself trying to pay the complete amount to insure it would be removed from my credit report. Please someone help me with this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: By the attached Claim XXXX, I paid the entire Proof of Claim student loan through a trustee of the US Bankruptcy Court for the XXXX District of Florida. The below NOTES are in the PAYEE NOTES of CLAIM XXXX of my subject case number. It is plain as day that XXXX XXXX sent to the trustee, XXXX XXXX XXXX XXXX, a notice on XX/XX/XXXX to transfer the student loan to the Florida Department of Education. Then on XX/XX/XXXX the Florida Office of Student Financial Assistance sent a notice to the Trustee, XXXX XXXX XXXX XXXX, to transfer the Claim XXXX Student Loan to XXXX. The following is a direct copy from my Chapter XXXX case : PAYEE NOTESXX/XX/XXXX COMPLETED NOTICE OF CHANGE OF ADDRESS. BRXX/XX/XXXX REVIEWED NTC OF TRANSFER WITH WAIVER FROM FLORIDA OFF OF STUDENT FINANCIAL ASST TO XXXX. UPDATED TO REFLECT..FWD TO BR TO REVIEW ... ASXX/XX/XXXX RCVD NTC OF TRANSFER FROM XXXX XXXX TO FLORIDA DEPT OF EDUCATION. UPDATED TO REFLECT ON XX/XX/XXXX. FWD TO BR TO XXXX original creditor, XXXX XXXX transferred XXXX XXXX loan to the Florida Dept of Education and 3 months later the student loan was transferred to XXXX. Upon discharge of my Chapter XXXX case, I received a letter from XXXX that I was in arrears on the student loan payment to a service provider XXXX. XXXX is not listed as a creditor on my Chapter XXXX case, but has acted as a debt collection agent for XXXX. My attorney advised me to look to see if there were any " Unclaimed Funds '' in an account with the US Bankruptcy Court for the XXXX District of Florida. There are in fact {$2600.00} in that account as shown in the XXXX attachment. On XX/XX/XXXX, XXXX filed an Application for Unclaimed Funds shown as the XXXX attachment. Additionally XXXX informed me by email letter, the XXXX attachment, that they were asking XXXX to return the loan and that I should dispute the erroneous claim by XXXX on my XXXX credit report bureaus XXXX, XXXX and XXXX. My contention is this, why am I being penalized on my XXXX credit reports for delinquent payments on a student loan that I fully paid through the XXXX XXXX plan through a trustee of the US Bankruptcy Court for the XXXX District of Florida? The issue is obviously not with me but between XXXX, XXXX and the US Bankruptcy court for those funds. Yet my credit scores are in the low XXXX because of this and I have a black mark on my credit reports. And why is XXXX listed on my credit reports when they are not the creditor? This is a clear violation of the Fair Credit Reporting Act and Fair Debt Collection Act. This is a total fiasco. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several inaccurate address listed under personal information. 
The following addresses actually belong to my daughter who has a very similar name to mine : XXXX separate addresses on XXXX XXXX XXXX in XXXX, WI. I believe this occured when she submitted a change of address form in 2011 through the USPS. We were aware that there were issues with the automatic changing of addresses but were unaware that this was included on the credit report. 
The address on XXXX is also incorrect. My son lived at this address while in graduate school and this error most probably occurred with a USPS forwarding of mail at that time. 

Company response: Company chooses not to provide a public response