AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was approved for HAMP on my XXXX mortgage over a year ago. XXXX of my mortgages ( XXXX and XXXX ) are serviced by Bank of America. After completing my XXXX mortgage modification under the HAMP program, my point of contact told me I would then be submitted for the HAMP XXXX program for my XXXX mortgage. It has been over a year now that I have been submitting paperwork for my XXXX mortgage. Bank of America kept sending me confusing paperwork that said " Thank you for applying for assistance on your mortgage '' however, it had my XXXX mortgage loan number on it. They could not get it straight that I was applying for my XXXX mortgage. I finally had to hire an attorney who has been working on trying to get Bank of America to recognize we are not applying for a modification on my XXXX mortgage again. We are applying for the XXXX mortgage. For the past year the only response I have received from Bank of America are denials and now something called an " Extension Program ''. My attorney said they have never heard of this program. We have looked it up online and there is nothing regarding this program. My attorney has been calling Bank of America now for several months asking for an explanation of this program and no one at Bank of America can explain what it is. Today is the XXXX time my attorney has set up an appointment with the person assigned to this mortgage and they never call. The only explanation in the past that was ever given to me regarding this program is that " I just need to make the trial payments and take the offer ''. How can I take an offer for something that NO ONE knows what it is??? This is unreasonable and I am not willing to agree to something that has no explanation. I also do not understand how I can be approved for HAMP on my XXXX mortgage and then not qualify for HAMP XXXX on my XXXX mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan modification through Wellsfargo in 2014. Ileft several messages with them including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. Wellsfargo will not acknowledge receipt of my request for mortgage assistance. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. The package has been also been sent several times. I have also been making my payments but Fargorefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because my mortgage company refuses to communicate with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I need your assistance in investigating my mortgage company, SPS. They claimed that I defaulted on the HAMP. Reason being was that they said after placing me on the HAMP, they realized that I was unemployed when they, XXXX XXXX placed me on the HAMP and after realizing that I was getting unemployment checks ( which they received copies of in the modification packet ; they kicked me off the program. I made three trail payments them they sent me the permanent payment plan but then re-sended, claiming that because I was unemployed I did n't qualify for the program. Then they went into my husband account and took out a payment and he is not even on my loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a listing agent that has been working on a short sale for almost XXXX years now. We have received bank approval previously and had the buyers walk in escrow. Most recently, we had short sale approval at the price of $ XXXX. The buyer walked in XX/XX/XXXX. We found and submitted a replacement offer at $ XXXX. A new Notice of Trustee Sale was filed last month assigning a foreclosure sale date of XX/XX/XXXX. The previous NOTS had been filed XX/XX/XXXX and the sale proceedings had been on hold since then. We received a counter from the investor to $ XXXX which the buyer has met, and all requested documentation has been submitted. We were instructed that unless the file was in closing we would not be able to request postponement of the sale date. Now, although the file is complete and has been for several days, Bank of America has not moved the file forward. As the buyer has fully met the investor 's counter offer, and we previously had approval at a lower price just two months ago, there is no reason why we should not be moving forward with the current offer. Our negotiator went out of town without notifying us, and we have been attempting to work with her supervisor the past few days. We have been unable to get them to request the postponement, or even move the file forward in review. Now it is looking like the home will go to foreclosure auction on Friday, although both buyer and seller are highly motivated and we have an offer at what has been requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: We keep getting automated calls from a " debt collection '' company called FOCUS RECEIVABLES MANAGEMENT. They tell us to call a number, which is XXXX, but we do n't bother because we do not owe any debt. We do not want to receive calls from this company. If they are collecting debt, they are not very good at it. If they are not, they are scammers and need to be dealt with. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally, 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX my husband and I were approved for a Modification on our XXXX mortgage for our primary residence. The XX/XX/XXXX Modification got rid of our payment for our XXXX mortgage. Throughout the winter of XXXX we had trouble making our mortgage payments, I have been in continuous contact with ASC ( Wells Fargo ) starting around XX/XX/XXXX until now ; keeping them informed of our situation and when we would be able to make payments. In XX/XX/XXXX ASC sent us a Modification Application Packet to fill out and return. We filled out the paperwork, but did not return it as it stated " If you 're modifying a mortgage that has been previously modified, we need to let you know that if you proceed with a new Trial Period Plan or modification your existing terms may be impacted. '' I have a very important question regarding this statement and do not want to proceed with the modification application until this question can be answered ( I do not want our existing modification terms to be affected if we fill out and are approved for a new modification ). I attempted to contact our home preservation specialist ( XXXX XXXX XXXX XXXX ) at ASC for XXXX months. At XXXX point during that XXXX months, I called her directly everyday for XXXX weeks straight, she never answered or called me back. I also spoke with customer service at ASC many, many times. I asked them my question and they told me that the only person who can answer that question is our specialist for our file. ASC 's customer service people attempted several times to contact our specialist via Instant Message, e-mail and phone calls, while I waited on hold ; she never answered or returned their requests either. Last week we received a letter in the mail from ASC 's attorneys ( XXXX XXXX XXXX XXXX ). This letter stated that they are representing ASC in the foreclosure of our home. I called ASC once again. The person that answered the phone at ASC informed me that we have XXXX options : We can pay the past due balance to reinstate the loan, or we can apply for a modification. I told her I want to apply for a modification ; she informed me that the only person who can do that for me is our specialist ( XXXX XXXX ). Once again, the customer service person tried to contact XXXX ; she never answered or returned the request for communication during the XXXX and a XXXX that I was on the phone with customer service. Since I received this letter on XX/XX/XXXX I have called ASC XXXX times and have been unable to reach XXXX. I need to know if this new Modification will affect our first modification, a question that everybody at ASC is telling me that only XXXX can answer. Also, ASC customer service is telling me that XXXX is the only person whom I can speak with to proceed with the new modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a {$1900.00} check and was told it would clear by Tuesday. I was unsure whether or not the check would clear so I went to the Wells Fargo branch and specifically asked if that check had cleared the account and was cashed into mine. Wells Fargo confirmed that the money was not just available, but the check had been processed and went through. Confirming that it was not a bad check, or so I thought. Based off of this information I took out {$1200.00}. The next day I receive a notice that the check did not go through! The {$1200.00} was non-refundable so I am now out {$1200.00}. I called Wells Fargo and asked that they make amends for their error and credit my account but they refused. So now I am turning to the CFPB to see if I can get my {$1200.00} back because I would not have taken the money out unless Wells Fargo told me definitively that the {$1900.00} check cleared the senders account and was now in my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX , XXXX XXXX XXXX , XXXX XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of Citibank for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the State of XXXX Superior Court. They are attempting to re-age a debt that is over seven years old, and Citibank had already sued me in 2008 in the XXXX ( XXXX ) Superior Court. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX ( XXXX ), partner, affiliate, and reseller of XXXX XXXX sold a product with a false description. They had claimed that their mining product " XXXX '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX, XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even the website www.gawminers.com no longer exists. 

Furthermore it is public knowledge that the U.S. Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the U.S. Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the U.S. Government and the charges he now faces. 

I have contacted XXXX with success however they were unwilling to refund me so I opened a case with PayPal ( PayPal Credit ) which was immediately declined because it was not submitted within XXXX days of the transaction date. I have opened a case with the CFPB about this matter a month ago and only XXXX of the XXXX transactions were looked at and resolved by PayPal Credit. I am opening this case to get the XXXX transaction ( Transaction ID # XXXX ) resolved as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to school for the year XX/XX/XXXX, in which I am listed as having a " XXXX day late '' in XX/XX/XXXX. 

My school sent letters to the CRA. There was no investigation. There was no response from anyone. Although this is not about the student loan itself, but of the investigative CRA process that never occurred, XXXX even admitted to me over the phone they see this happen " all the time '' with XXXX students, and is a computer glitch. They refused to do anything but insist I have my school send a letter documenting enrollment, I sent said letter, and the CRA never once acknowledged much more than the fraudulent listing. On multiple currencies. Since XX/XX/XXXX. This ai n't cool, bro. 

This is woefully inadequate, arbitrary, and capricious. Yet most of all, this ai n't cool, bro. I had in-school forebeafance, and the CRA 's all knew that. All list XXXX trade lines on my account. XXXX admitted it was systemic issue at XXXX. Yet again, this is a CRA investigation matter. 

So, the CRA 's know about it. And, they do n't question it. No investigation took place. This is CRA fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan was sold off to Greentree with clear directions for taxes to be paid from our escrow account. XXXX months after Greentree took over we received a late tax notice from our county treasurer. The loan documents given to Greentree at the time of transfer clearly state that taxes are to be paid through escrow. Greentree took not only a lump sum escrow payment at transfer ( specifically for taxes ) but has also been collecting escrow money from our monthly payments ( specifically for taxes ). When we called to see why Greentree was not paying our taxes from escrow we hit a wall of ineptitude and rudeness. Greentree required we send a copy of our late tax bill to their escrow department even after verifying that the original loan documents did indeed state that taxes were to be paid from escrow. Why are customers required to clean up the messes of Greentree when it 's their backwards company policies that are causing these issues? Why do consumers have no say on who buys their loan from their original servicer? Why is Greentree allowed to still do " business '' even after settling with the government for just such infractions? A horrible company with horrible staff. Steer way clear if you have any choice in the matter. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. 

When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. 

This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ). 

Company response: Company chooses not to provide a public response
Consumer complaint: My car was missing on Saturday ( XXXX/XXXX/2015 ), therefore call Bank of America 's Loan department for explanation and I spoke to XXXX. I gave her the account number and she told me that it was not on the repossess list to call the police. I explained to her it should n't be however I want her to double check because I want to avoid filing a false police report. She placed me on hold while she spoke to a supervisor. She explained to me my car was repossessed in error. She told me only cars that are 90days passed due are repossessed. The way she explained was similar to my understanding. She gave me a number to call on Monday since the repossession department was closed on the weekend. She assured me I would not have any issues picking my car up on Monday. I called the number XXXX ( Repo Dept. ) and they were rude and dismissive. So I called the auto loan department for help three times and they transferred me back to XXXX against my wishes. I spoke to XXXX, XXXX and XXXX at the repo dept. and they both denied I even called on Saturday. However I am aware that a large bank such as Bank of America likely keeps call copy and a record of customer calls. They continued to insist I pay the repo fee of {$400.00} and additional fees that added up to {$750.00}, which is unfair because XXXX on Saturday and per the term of the loan agreement my car was repossessed in error. My card should be released to me immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Never was late. marks me in XXXX trade lines while I was in college as being 90 days late. 

Company response: Company chooses not to provide a public response
Consumer complaint: I borrowed {$10000.00} from Wells Fargo for a private student loan while I was a XXXX. The loan was taken out on XXXX XXXX, XXXX. I graduated and began paying back the loan in XXXX XXXX. Before the principal repayment began, I was being charged 10.313 % interest, when the principal payment began the interest rate jumped to 10.753 %. The total finance charge for my loan, at repayment, as you can see from the attached document, was {$13000.00}. The total amount I will have paid, after all payments have been made is {$23000.00}. 
My principal balance due as of XXXX XXXX is {$10000.00}, per a conversation with a Wells Fargo Rep. My monthly payment amount is {$130.00}. According to last month 's statement, {$44.00} of my monthly payment was applied to the principal and {$61.00} was applied to the interest ( and I had a {$28.00} late fee ). 
During my repayment period, there have been months were my payments were late due to lack of employment, however, the loan payments were always made. Wells Fargo charges a {$28.00} late fee after a 10 day grace period. 
I feel that the interest rate and the pay back amount is exorbitant. If this had been a federal student loan it would be governed by federal regulations. Wells Fargo would not be permitted to take advantage of students needing funding for education. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Debit Card ending on XXXX witch was cancel most likely more than XXXX month ago. 
This Debit card number was cancelled by me, when i ask to be issue another Debit Card ending on XXXX. 
A company name XXXX witch i make business in the past, have in record my old cancelled debit card ending on XXXX. 
Citibank fail to protect my account allowing a transaction go through with this cancel old debit card number. i call City Bank and ask for intermediately refunds of my funds since they as an institution allowed this to happens by not been properly canceling the old debit card. Call second time and was transferred to the Corporate Support Team where XXXX told me that the case was file and just have to wait. Because of this Bank Mistake my account is in Negative and now I can not perform any transaction in my account causing me an inconvenience situation and frustration no allowing me to take my money out to support my family. 

Company response: Company chooses not to provide a public response
Consumer complaint: Issues regarding Citibank credit card and autopay as they continue to withdraw money every month out of my checking account to an unknown account they can not locate. Initially they told me I can not remove my name from account as an authorized user and Since I was an authorized user, they are unable to assist me in finding or removing this auto pay. Money continues to come out of my checking to date. I am going to have to close my long standing checking account to fix this mess of unauthorized charges 

Company response: Company chooses not to provide a public response
Consumer complaint: Here is the email I got from Cash Advance collectionfrom XXXX XXXXXXXXXXXX & gt ; Find Your Warrant Copy : XXXX which will be going to release on Monday evening XXXXThis is the XXXX final chance for you. 



This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is the XXXX final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



CASE NO : # XXXXAmount Outstanding $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 



Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: There is a medical bill in the amount of {$90.00}. This bill was paid by insurance. I paid the bill before they stated it would go to collections. The company still reported it to collections even though they stated they would not do so. 

Company response: Company chooses not to provide a public response