AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for a loan modification and was denied based on the wrong income. ( see attached ) Due to a calendaring oversight, my appeal -- which was based solely on the servicer 's error -- was one day late. The letter was dated XXXX XXXX, and I was supposed to reply within 30 days of the date of the letter. I did n't receive the letter until XXXX XXXX. The servicer refused to consider my appeal on XXXX XXXX ( due on XXXX XXXX ) even though it was their mistake in the first place. 
I provided income documentation and proof of the rental and boarder income I receive. One portion of the income is from boarders who co-occupy my portion of the building I live in and own. This is the only income I was given credit for, {$2000.00} a month. 
The income from the rest of the building, {$4900.00}, is currently paid to the court-appointed foreclosure commissioner. Between the date of the foreclosure judgment and the foreclosure sale, the commissioner told my tenants they were to pay him. No sale date has been set, and the foreclosure was on hold while my loan modification was being reviewed, but the commissioner kept the rents. 
The servicer did not give me credit for the rents, even though I provided proof from the commissioner that he was receiving the money. See attached. 
I do not think it is fair to deny me a chance to be considered for a loan modification, because of a one-day oversight to make an appeal I was making based only because of the servicer 's mistake on my income. 
I am represented by an attorney and my attorney is helping me file this complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I need some help on getting the harp program before it expires. Wells Fargo only wants money no help. They call when I am sleeping and when I try to call back all I get is a voicemail for the last 3 yrs I try to get them to call back and let me know when XXXX call. No call backs. They said my payment was based on what we made that was including my XXXX got out of 401 k to pay doctor bill and survive. Now things have slowed down again and I trying to catch it before I get behind again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX, I request reasonable accommodation to submit past due medical bills to my insurer ( medacare/XXXX ) I can not understand the process, please inform my debtors to submit a bill to my insurance company directly, not me, and to remove the debt from my report 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in a contract to pay my credit card debt of {$12000.00} through " XXXX XXXX XXXX XXXX '' for 3 years. During the XXXX year, we had a flood. I lost my car, got {$14000.00} to pay off my credit cards right away. I paid XXXX XXXX in full, for my debt. They came back and said, we only paid off your {$10000.00} credit card, and you have to pay us {$300.00} a month for the next 3 years, to pay off your remaining XXXX {$600.00} credit cards. I stopped all payment, since I paid them for all this debt in full, in cash already, which is now on my credit score! I want this debt erased, because of this fraud, all of it! I already reported this to the BBB! The debt in question is from 2008! 

Company response: Company chooses not to provide a public response
Consumer complaint: Pressler & Pressler sue me for an account I do n't own. I went to my local court to retrieve information about this account only to find out they where sending information to the wrong address to get a judgment. When the judgment was awarded to them they mysteriously had my correct address and employment. As of today estimated {$2000.00} has been garnish from my wagers. The company name on the report does not exist as do the account number. Note garnishment was suppose to occur in XX/XX/XXXX but when I informed them I obtain legal counsel it was put on hold but my wages was garnish in XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX and XXXX XXXX, due to a job relocation, have been attempting to sell their property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX for over two years. 
Recently we were able to get the XXXX lien holder, XXXX, to agree to a short sale and they have provided the FHA Approval To Participate letter on XX/XX/XXXX. Please see attached documents. The XXXX lien older, US Bank, has been " processing and reviewing '' the same short sale documents that XXXX has approved since XX/XX/XXXX, At this time they have stalled the process of the short sale review with no explanation. Please see attached email string where I have asked, then demanded, some indication of the activity on the file. I keep getting an email from XXXX XXXX, the Customer Relations Manager, telling me the file is being reviewed. It 's been " being reviewed '' for almost 5 months now! It 's past time for a decision but US Bank is deliberately stalling this file for their own reasons, none of which have to do with the file. They asked me for a Request for Mortgage Assistance ( RMA ) on XX/XX/XXXX and it was completed and sent to them the same day. But when I called them to see what the status of the file was on XX/XX/XXXX the US Bank folks told me they did not have the RMA and required it. I emailed it to tem again and apparently they found it, or did not lose it, that time. Then on XX/XX/XXXX they asked for another group of documents, including the same XX/XX/2014 Federal Tax Return we had sent in back on XX/XX/XXXX, a copy of the Homeowner 's Declaration page and the Property Tax Statement, which we had previously informed them on XX/XX/XXXX by signed and dated written statements that the XXXX lien holder had been taking care of, and a copy of the XXXX lien holder payoff statement, AGAIN provided to tem on XX/XX/XXXX. The Relationship Manager, XXXX XXXX, sent an email on XX/XX/XXXX asking for a VALID PURCHASE AGREEMENT. That document had been sent in XXXX times previously, on XX/XX/XXXX, on XX/XX/XXXX and on XX/XX/XXXX. XXXX told me they needed a fully signed sales agreement but, after reviewing the file VERY carefully and not seeing any missed signatures and asking for specifics as to the supposed missing signatures, she would not provide any specific page numbers or page identification information. See attached email string. 

US Bank is deliberately stalling the process of this short sale request and refusing to cooperate to allow the borrower to avoid foreclosure. They are obstructing the process by " losing documents '', asking for correction on imaginary problems and in general not acting in good faith with the borrower. They are the quintessence of a financial institution that thumbs its nose at the federal regulatory agencies by not cooperating with their customers as the Dodd-Frank Wall Street Reform and Consumer Protection Act intended to enforce and that intentionally causes damage to the lives of heir " customers ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I received a call from XXXX and let it go to voicemail, as I did not recognize the number. The prerecorded message stated that I had an issue in their pre-legal department and that I could be taken to court if I did not place a statement on file. They did not state that they were a debt collector, not did they leave my name in the message so that I could verify that the message was for me. The message stated that I should have XXXX and reference a file number, which they did not include in the message. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I used to pay my loan on time to the Department of Education every month but then they transferred me over to XXXX XXXX and I was n't allowed to make any payments for up 2 months until all my information was transferred over to them which took 2 months and now my credit report is saying I missed 2 payments. There are also XXXX addresses on my credit report that I have never visited or lived at 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX reported on my trans union XXXX and XXXX credit reports, XXXX also sold the account to XXXX XXXX XXXX reports and called them selves a credit collector/Attorney when they were not. Than XXXX Filed Suit in XXXX Washington to further Harass and embarrass me. This is a clear violation of the FDCPA section XXXX regarding deceptive practices by a collector. 

XXXX XXXX reported to the credit unions XXXX when the balance was only XXXX, XXXX dollars more the original debt another violation of the FDCPA XXXX XXXX has created deceptive transactions design to harass and embarrass and humiliate me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX, I request reasonable accommodation to submit past medical bills to my insurer ( medicaid medicare ) for full payment, I can not understand the process, thankyou 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 we became aware of problem with our bank account. We were in the process of moving during this time and found that our account that had more than {$2500.00} in it had been seized. According to the documents that our bank provided us two weeks later, there was a summons of garnishment issued to them by Magistrate Court in XXXX County Georgia.The attorney listed on the summons was McCullough, Payne & Hann in XXXX, GA. I am unfamiliar with the Plaintiff who was listed as XXXX XXXX/XXXX XXXX XXXX We also have never lived in XXXX County so I 'm unsure as to why this was filed there. The garnishment seized funds in a joint account so I am unsure who they were trying to garnish, myself or my husband. Bottom line is this company has taken all of the money that we had to our names and I would like some answers as to why our bank, without having proper definite information that this is even our debt, attached the garnishment without confirmation of ownership. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Information was disputed but the company needs more than 30 days! I do not understand why I have to wait addition days of 45 to 60 days before my credit report is updated. 

Company response: Company chooses not to provide a public response
Consumer complaint: URGENT - Sheriff Sale on XXXX XXXX, 2015Hi. Wells, Fargo Home Mortgage commits fraud. 
I was working on a loan modification and sent in all my paperwork on XXXX XXXX, 2015. 
I was just called two weeks ago and told that my modification was denied because my mortgage was over {$720000.00} ( they knew it was XXXX when I did my documentation XX/XX/XXXX XXXX. I called and then Wells, Fargo XXXX XXXX XXXX XXXX said I was denied because I did not send in a profit and loss on my real estate company. 
I do n't have a real estate company and never received a letter or call on it. 
Then, I was sent a letter saying I was denied because I did not respond to them. 
I did call!!! Now, I get a letter stating that I am under a sheriff sale and sorry " we have not heard from you and there is not enough time for mortgage assistance prior to the sale '' XXXX. This is a lie, they can postpone the sale any time they want to postpone it. 
I just got another letter saying that Wells, Fargo is investigating my last CFPB, and will get back to me XX/XX/XXXX - THIS IS THE DATE OF MY SHERIFF SALE!!!!! 
PLEASE HELP ME. I have written to the OCC, FDIC, FBI, Wells, Fargo Senior Mgt. as well. THIS IS FRAUD. 

Company response: Company chooses not to provide a public response
Consumer complaint: I decided to get a car XXXX and they had suggestedfinance options. I entered my information online after checking and confir-ming with them that they will let me know before sending my informationto the financial institution. they sent my information to XXXX financial instit-utions without my consent. I have unnecessarily been hit with XXXX hardinquiries. I ended up taking an auto loan from a company I previouslyfinanced my old car from. I am attaching the matter on my creditapplication, where it clearly mentions that I will be informed about the financial institution, XXXX will be sending my application too. 
When submitting my credit application, I was told there would be onlyone inquiry and in the terms and conditions it was said I would beinformed of the financial institutions they would be sending my informationfor my credit to be run. Attached is the document which states the termsfor which I have given my consent. You can find it on the XXXX website when you apply for a car loan. I would like to have thesesXXXX hard inquiries removed from my credit report at the earliest. 
The XXXX financial institutions are :1. XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX, OHThank You 

Company response: Company chooses not to provide a public response
Consumer complaint: Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree XXXX XXXX servicing XXXX of my mortgage account number has been recently sold XXXX, I have a statement of my mortgage paymnet due of XXXX under a loan modification agreement and now i am getting harrassing calls XXXX that payment due is {$2100.00}. and that i will incur damaging credit and a collection record. I have not received anything in writing of this taking place, i understand that Green Tree is paying a XXXX dollar fine for doing exactly what XXXX is starting to do now and would like assistance as to what my options are. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a continual problem that we have encountered ; a person with the same name that is a junior but does n't use it. I was told it was the improper use of the name that causes this. I have in my experience seen that XXXX and XXXX is NOT used on normal basis. The credit bureaus do not verify social security numbers and date of birth that are a constant, but instead rely on addresses that could change. I was told that it would take a change in legislation to have them required to use social security numbers for verification. Why not use the birth date? Why are n't these agencies accountable for their actions? The public has to spend the time and energy to clean this up when verification could be made easily before damaging someone 's credit. I think this should be taken to the media and have the credit bureaus investigated and make them accountable. I do not have any supporting documentation only phone calls with Experian. I will now get my reports from XXXX and XXXX XXXX and see if they are the same. I am really getting tired of this, every time we want to get a loan this happens. 

Company response: Company chooses not to provide a public response
Consumer complaint: I make an inadvertent pay through my online bill pay to my Macy 's credit card in the amount of {$2500.00}. I have attempted to get a refund of this amount to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have no knowledge of any debt that I would owe. I noticed this collection on my credit report from Gold Key Credit INC. I tried to call them to find out about why is this on my report, as far as I know I had no {$400.00} medical debt. I waited on the phone for someone to answer then all the sudden the phone disconnected. If the debt is mine, I have no problem paying it. I just want to verify that it is mine and they wont even answer the phone so I can learn more about this debt. the XXXX is the one listed on the site. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Proof never received and I made many attempts to settle and pay half and payment was returned to me after they agreed to accept it. I disputed from the start and this is on my credit report. Florida statutes state that I am entitled to proof of the fees and issues. I am being charged appox. {$200.00} interest on a disputed collection account. I moved out of the apartment and was charged for water drip marks under the stove top, XXXX approx. {$40.00}, cleaning bathroom counter ( approx. {$40.00} XXXX {$600.00} for carpet cleaning. I asked to provide proof of expenses and issues they are claiming. I have pictures that show I left it in " clean '' condition and carpet cleaning was done by me prior. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I contacted The Bureaus to pay off a debt. The person that answered the phone did not tell me her name. She was extremely rude and disrespectful. She said she could not work with me under the circumstances and I asked for the fax number. She said I did n't need the fax number and argued with me when I insisted on having the fax number. Then, before her response was audible, she hung up on me. I called again, and spoke to someone that referred to herself as " XXXX ''. She was also very disrespectful after I told her what the how the other associate had treated me. I asked her for the fax number. She gave it to me and hung up on me. Then, I called back and asked to speak to a Supervisor. " XXXX '' answered again. She told me there was no Supervisor. I asked her how they ran a business without a Supervisor. She asked if she could help me. I asked, " Are you a Supervisor? '' She answered, No. I said, " Then you ca n't help me. I 'd like to speak to a Supervisor. '' She refused. She said that no one was available. I asked her when someone would be available. She asked why I had an attitude. I told her it was because she was refusing to let me speak to a Supervisor. She said, " I already told you no one was available. '' I said, " When will someone be available? '' She said, " Tomorrow morning, '' and then she hung up the phone. 

All I wanted was to pay my debt and they were completely unwilling to work with me. They were rude, disrespectful and they hung up on me a total of four times. They knew who was calling, because I put in my social security number, and the first time they answered, they asked if I was XXXX XXXX. I responded yes. So that tells me that the prompt to enter my social security number immediately told the person that answered the call my name. So, the 2nd and the 3rd time that I called and they hung up on me, that let 's me know that they knew who it was that had called. 

This experience was humiliating and upsetting. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My story started in XXXX of 2014 I was on a repayment program with Wells Fargo Home Mortgage. The program was suitable for my situation at the time. Since payments on a program such as this they are time sensitive. I had an emergency household repair for a furnace and I contacted Wells Fargo if I could make the payment three to four days late. I talked to two different members of said bank and they said I could. They gave me a confirmation number and the payment was made and cashed. About 10 days later I received a letter saying I broke the plan and would have to start the process over. Since they have now installed a program called Home Preservation Specialist that handles your case they gave me a name for contact. I made repeated calls to Wells Fargo over a number of months trying to resolve the issue and received no help at all. Bottom line all I wanted to do was to keep on the repayment plan and to make it more frustrating I was told by not one but to of their employees that I could make the late payment and they cashed as well. I also informed that the house was for sale and I just wanted to avoid any issues that came up. Finally I get contacted by them after spending averaging a least two to three calls a week. This is now four months later and the arrears have increased. I send in financial information that they requested and then get denied. I send in appeal letters and get denied. They start with a another request to see if I can be approved and more documents go out as well as appeals and they are denied. As time goes on the arrears continue to grow. Now I am in foreclosure with a sale date of XXXX XXXX. I have sold the house and the closing date is close to the sheriff sale date. I contacted them again and asked for a request for a postponement of the foreclosure sale they said sure send four specific documents for us to review. I fax the info and I am told when I called back that even though they have the documents in the system I would have to fax them to a different department. So I do and they tell me nothing can be done. Even though four different people at this firm have told me four different stories. Bottom line I am not the only one at fault here. And my situation is coming to a close I guess my complaint would be due to the incompetence, disregard and outright inattention to an issue by Wells Fargo and their employees that led me to believe I was ok has turned into a 9 month nightmare. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had moved to another city XXXX XXXX - XXXX XXXX with minimum U.S Bank branches. I had called to close my bank account with U.S Bank. The Bank continued to charge my account with bank charges and overdrew my account and sent my account to collections for {$80.00} even when my account had been fraudulently used. 

Company response: Company chooses not to provide a public response