AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Hi - I am dealing with Greentree Mortgage Servicing trying to get a loan modification/deed in lieu since XXXX 2014. I have had them call me numerous times and rather than assist me, they have hung up on me when I answer the phone. I was have been sent several contradictory papers which are all very confusing. When I try to call of course my phone is traced and I go directly to the collections department and I am yelled at and hung up on. I was recently approved for a loan modification but when I called to get specifics as to how it works I was told I was approved for a 40 year adjustable rate mortgage. I asked why I was not advised of this in the beginning. The gentleman I spoke to never explained why. Several days later I received a call back explaining that was incorrect but this was AFTER the paperwork was supposed to be turned in. 
I did receive new paperwork but it had the same OLD dates on it. I called to verify that I could send in the paperwork. Again, I was only allowed to speak to XXXX my account manager after pleading to speak to someone in loan modification department. He refused to transfer me an assist me. I called back and was told my phone number was tracked. I then borrowed a phone and used it to call one of the extensions I had been left via voice mail in the loan modification department. I never to this day have received a call back. I finally received a call from XXXX and he assured me he would call me back at noon the following day since my cell phone gets no reception at work. He did not call me until XXXX. I then called him on Monday my day off. I am trying to get assistance with my mortgage payment from Green Tree but it seems as though they do not want to help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We paid off our mortgage with wells fargo on XXXX/XXXX/15. On the evening of XXXX/XXXX/15 I received a letter stating that I had to call them to cancel my auto withdrawal of my mortgage payment. I checked my account and noticed that they had tried to withdraw the mortgage payment, so we were charged XXXX XXXX. insufficient funds charge. I called them XXXX and told them to cancel my auto withdrawal. On XXXX they tried to withdraw again. We got another XXXX charge, plus a recurring insufficient funds charge of XXXX. So now we 're up to XXXX dollars in our account. I called wells fargo again, and the girl kept saying I have no record of your call, you never told us not to take the money, and there 's nothing we can do about it, you need to put a stop payment on your account. Also that they would n't refund the fees. So, I called XXXX bank and told them what was happening and she told me that, sure, they could put stop payments on those amounts, but it would cost XXXX for each XXXX. At this point I told her to close my account. She said she could n't close it until I paid the fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for modification with my lender with the understanding that I am working with XXXX. I got denied because of my income according to them. I wanted to further work on it but it was too late for me to do so because my eligibility with XXXX was over. I applied again letting them know about my eligibility with XXXX. All the while they said it is notated in my account. I got approved although my income was still the same with {$49.00} less than what I was paying when I got behind. According to US Bank my approval has nothing to do with XXXX. 

I have been in contact with XXXX about the situation. They have been sending messages to US Bank to send them the documents they need to move forward with my eligibility. I have been contacting my lender as well but it looks like the right hand is not talking to the left hand and most of them do not know about XXXX and what I 'm talking about. Some who know would transfer me to default resolution dept. and I left her messages but nothing has happened and would not return my call either. I need to respond to US Bank about my modification and pay my first trial payment on the XXXX of XXXX which I can not afford. My eligibility with XXXX is expiring in XXXX XXXX also. It 's been more than 2 weeks but nobody is able to help me from US Bank about the documents that XXXX needs. I call them everyday talking to different people with different statement about this matter. If they can only evaluate my modification with the help of XXXX and still ca n't afford the payment then I will quit asking for help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was directed to annualcreditreport.gov which sent me to FTC consumer mationinformation wed site, free credit reports, which then directed me to thelink annualcredit-report.com, clicked on request your free credit report XXXX XXXX took me to XXXX clicked on request your free credit reports, which took me to XXXX filled in all my personal information as well as XXXX, & clickedon NEXT ; this is what I got instead of my credit report : There is no Action mapped for namespace [ XXXX ] and action name [ null ] associated with context path [ XXXX ]. 
XXXXSo now I 'm wondering if this website is a scam, and I 'm afraid someonehatched my information. Whose website is this that your agency is send-XXXX me to. Can you please explained to me what happenedhere. Many people are directed beside myself to this website! 
Thank you for your attention to this grievous situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working with Wells Fargo for loan modification of {$1500.00} a month made XXXX paymennt still my account has not been brought back up to date & I am still. Showing behind I have called XXXX times to try to resolve no one has called me back at all modification was to have happened XXXX XXXX 2015 they lied to me my account number XXXX I was told the rep for restoration or that reps managet would call me never had happened I requested a new package for the modification because was never recieved by my attorney or the courts of Delaware that was never done so this must mean that was a lie also my name is XXXX XXXX call back is XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, I utilized the trial membership that Transunion offered for a seven day period. I notified Transunion through email that I am not interested in utilizing there product. I also notified Transunion verbally on XXXX/XXXX/2015 that I am not interested in this product due to information was not reporting accurately or being updated in a timely manner. In which I received email confirmation on XXXX/XXXX/2015 and XXXX/XXXX/2015. That the cancellation was received. on XXXX/XXXX/2015, a charge for XXXX was drafted from my checking account. In which I contacted Transunion on XXXX/XXXX/2015 or XXXX/XXXX/2015 and requested a refund. ( the reason for the delay in noticing this matter is My job transferred and I moved XXXX hours away ) So my focus was on packing and moving. So on XXXX/XXXX/2015 or XXXX/XXXX/2015, I called and spoke with a representative regarding my concerns. The representative stated that the proceeds would be credited back to my account within 5 business days. I contacted Transunion on XXXX/XXXX/2015 regarding the same issue, and the representative ( XXXX? ) was rude, unprofessional, and argumentative. I immediately escalated this matter to a manager. The manager advised me that it takes XXXX days for my proceeds to be refunded and acknowledged that I did submit my cancellation. I advised the manager today is XXXX/XXXX/2015, I believe the 30 day window has passed. The manager stated that I should contact my bank, I advised the manager that I will be filing a complaint, because it not the issue of XXXX, its the matter of me complying with the terms and conditions of the trial period and Transunion took it upon themselves to take money out of my checking account after it was communicated in writing that no authorization has been granted to take money out of my account. Also that Transunion acknowledged the cancellation and proceeded to withdraw proceeds out of my account. This is not a banking issue, this is just wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I have been working with CitiMortgage for a modification application since 2012. After repeatedly sending in the same documentation and clarification they ask for, I am always denied because they claim documentation was not turned in. I keep records and confirmations of all documents sent and also keep logs of every phone call I make or receive from the lender. It seems at this point there are just giving me the run around and forcing me to fall further and further into debt so they can sell my home. I wish they would acknowledge all the work I am doing on my end to keep being productive and following up instead of giving me the run around and giving me false hope. I also felt as though the relationship manager that was assigned to my file was discriminating me due to my race and always had a serious attitude with me and did not want to help and make things more difficult for me. I had to ask for a new relationship manager because he made me feel horrible about my situation. I feel I have been dealing with this unfortunate situation for too long and need to address the situation so it does not happen to others as well. So now at this point I have a projected sale in XXXX due to their underhanded tactics and they are pushing me against the wall before a sale and I would like them to review me for a modification and conduct themselves in a professional manner and provide with me foreclosure options as California Law state. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Sears to increase my credit limit for me to buy one of their product I was denied such increase then received a letter from the company explaining the reason which was XXXX unsatisfactory credit and/or derogatory public record references ) I called the company XXXX/XXXX/2015 for more explanation since I was positive that I have no public derogatory on my credit account the customer service was not sure then confirmed that there is nothing on my credit history 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' with XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a student loan XXXX. The loan was placed for collection XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' XXXX. 

This week when my report was pulled XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed an XXXX account with Enhanced Collections. I have never had an account with XXXX. I contacted Enhanced directly and asked them to provide proof of this account. They have not done that. 
I then disputed it with the bureaus and it remains. This is a violation of my rights under the Fair Credit Reporting Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently payed off XXXX my loans with Sallie Mae. I went online to access my account. I selected the loan I wanted to pay off and payed the loan off completely. I received a receipt as well as information showing my account was at a XXXX balance. A few days later my account shows that I have an outstanding balance. Upon calling in I was asked whether or not I payed off my account online or over the phone. The agent informed me that Sallie Mae has no way of displaying the full payoff amount for my loan unless I call in. When I asked her why online would display something different than the actual payoff amount she stated that the system does not allow them to show the payoff amount because that I accrue interest daily for my loans. It does n't make sense for me to pay daily for interest when I have a set interest rate that I am suppose to be paying monthly for interest. This was something I was not aware of. When I asked her how much interest daily am I being charged on my loans her answer was anywhere from {$1.00} to {$2.00} a day on top of the amount owed. How is anyone ever suppose to pay off their loans accruing interest to that magnitude. Whenever I have payed a balance off with any financial institution the amount on the statement was the payoff amount. As long as this amount was paid by the due date no other money was owed. This is not fair and is ripping individuals like myself off. That means even when I pay the statement off I will always be charged for interest for however many days has passed. There is not a day where I am not accruing interest. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. I sold my house and called them to inform them I was cancelling service. They informed me I was no longer under a service contract and it would not be a problem. I thought the matter was over but I recently checked my credit report and discovered they were reporting a balance in the amount of {$900.00}. I called FIRST NATIONAL COLLECT and they informed me they did not have any details with the account. I then called XXXX and they said it was due to early termination. ( I had this account for more than XXXX years ) Then, they said they never received equipment that needed to be returned. I talked to a supervisor that said he would adjust the balance to {$220.00}. I called today and the balance is {$900.00}. I spoke to several reps with XXXX and nobody can give me any answers. I need help in this matter because I paid the account as agreed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On Monday, XXXX XXXX 2015, I noticed unusual activity as to why my balance was at an extreme low. I currently bank with USAA Secure Checking. I notified them the day I noticed the suspicious activity and filed a claim. I followed up to get a status report on Thursday, XXXX XXXX 2015. I was then told the Fraud Agency with USAA declared this was not a case of fraud. There were a total of XXXX different transactions all in the same amount of {$990.00} bringing it to a total of {$6900.00} lost. I was basically told I lost that money and to contact XXXX. USAA did send me paperwork that shows when each transaction was made and for how much. I was able to see exactly who they went to and what account once I was able to log onto to usaa.com to check my account electronically. I have notified the local police department here in XXXX, MA to file a police report. USAA is not handling this situation as they should be. I am requesting full recoupment of all funds. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried numerous times to have my creditors review and update my credit information to no avail. I printed out all XXXX credit bureaus, credit reports and I 've also sent the disputes trying to update all my information and as of now my credit report is still the same I paid off all of my credit cards with revolving interest and the majority of my accounts with a large balance and I still have a low score. I 'm currently in the process of purchasing a home but I can not purchase my home with my credit score being so low. I sold my previous home in order to pay off all pending loans and credit card balances and no change as of yet. Please help!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Student assistance for XXXX student loan keeps calling for carrie shafer. They have called 7 different times, every time i have told them i do n't know who that is and to remove me from that list. They have still been calling a couple times a week. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Visa gift cards issued by US Bank were purchased at the same time XX/XX/XXXX and location, the XXXX store, XXXX for {$500.00} and XXXX and XXXX for {$200.00} I have the receipt for the purchase. The {$500.00} card was lost so I called the number given to report the loss ( XXXX ) only to be told to send the information along with a receipt via fax to # XXXX this was on XX/XX/XXXX as of XX/XX/XXXX I got no response from anyone so again a call was made and was given the same instructions then again on XX/XX/XXXX at which time I asked for a supervisor only to be transferred to what they call an expediter only to be given the same instructions. On XX/XX/XXXX I called and again told same thing. This has dragged out now for some time and no one will say anything other than you have to fax the info to the number given and nothing else can be done until I hear from them, only I have never been contacted from anyone. I do n't believe at this point that they have any intention of doing so and wonder how many others they just ignore and hope they give up trying only to keep the money for them selves I feel they are scamming people out of a lot of money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I discovered an XXXX unknown medical accounts on my TransUnion credit report back in XXXX 2015. They are both from XXXX. I sent a letter to XXXX XXXX XXXX via certified mail on XXXX XXXX, 2015 and it was received on XXXX XXXX,2015, requesting validation and have n't received a valid response. I sent a dispute to TransUnion XXXX XXXX, 2015. TransUnion responded in a letter dated XXXX/XXXX/2015 that they Verified, no change to both accounts. TransUnions refusal to properly investigate is a violation of the FCRA and FACTA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received no communication whatsoever from this company about a debt that is now on my credit report. I never had any business dealings with this company. After challenging the debt reported on my credit report the company still refuses to take the erroneous listing off my report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX 2015 I redeemed points for roughly a {$250.00} gift card via Barclay Williams Sonoma Card website. The gift card was shipped XXXX and delivery of the gift card failed to occur. XXXX declined to deliver the gift card stating that my valid Missouri Drivers license was not an acceptable form of photo ID, and that this was the policy of the shipping party, Barclay Cards or XXXX their affiliates. 
I contacted Barclay Cards about 3 times via phone regarding this issue. After being presented with standard customer service speak, I was advised on my third phone call that Barclay Cards did indeed have my returned gift card XXXX, the agent had a tracking number XXXX and was able to track the return. The agent also advised me the gift card would be returned XXXX, the Barclay Card gift card affiliate, and I would be credited my full XXXX points back, the total of the gift card. 
This has not yet happened and has been ongoing since XX/XX/XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance 

Company response: Company chooses not to provide a public response
Consumer complaint: We are in receipt of the response from XXXX dated XXXX/XXXX/15. 
Unfortunately they have not " deleted '' from my TransUnion Credit file the " Collections '' Activity INACCURATELY reported XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I had opened a case and your emails were going to a junk folder. I absolutely still need your guidance and support. 

Experian has been unwilling to remove inaccurate reporting based on XXXX BK I filed in 2007. The courts changed the type of BK so it shows as XXXX when in fact it is only XXXX. I have provided them with all the proper documentation. 

Additionally, I continued to improve my cursory usage and have flawless payments yet they continue to slaughter my score lowering XXXX points lower at least once a month. 

PLEASE HELP. Best # XXXX. Best email XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -As u can see ... XXXX is reporting XXXX on XXXX site and XXXX on there own ... .not good or consistent. 

Company response: Company chooses not to provide a public response
Consumer complaint: My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Bank of America. I disputed it at least 3 times, and it came back justifiable. 

Company response: Company chooses not to provide a public response