AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My husband and I were approved for a mortgage with Endeavor America, almost a month later the lender changed the terms and established a deadline which stated we needed to close by XXXX XXXX. Endeavor never notified my broker, agent or myself in writing or verbally of this new deadline. My team pushed to get the loan closed by XXXX XXXX for other reasons but was told by the lender that they did n't have anyone in the office who could complete our loan because everyone was on vacation or was busy working other files causing us to miss their newly imposed deadline they never told us about. Sometime in XXXX we received a call from the Endeavor underwriter, during that call she explained that they ( Endeavor ) made a mistake by not notifying my broker and agent and that they were sorry for the inconvenience. She also stated that my broker and agent was completely unaware of the newly imposed deadline because she had somehow missed putting the notification on the approval and never sent the new terms. In XXXX my broker spoke with an Endeavor representative about another file and was informed that " they do n't do that type of loan any longer '' so my broker asked " what about my XXXX file '' and the representative told him everything was fine. Shortly after we were notified of the cancelation. They then told us they would only make the loan if we gave them an additional XXXX XXXX XXXX dollars when our original down payment was around XXXX XXXX dollars. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX Case number : XXXX Related Case Number : XXXX xx XXXX xx XXXX Original Creditor xx XXXX XXXX Original Creditor XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX xx XXXX Original Creditor equifax Case number : XXXX Related Case Number : XXXX Case number : XXXX Related Case Number : XXXX XXXX Original Creditor XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: hunter Warfield is refusing to abide by the fcra. they are using bully tactics to prevent me from purchasing a home. I requested a variation of debt from them and I never received it. after I finally found what and who they were collecting for I was dumb founded that a year after the origination of debt I would be hit on my credit. now the significance of this being that make it seem to a lender that this is a fresh debt when it 's more than a year old. this a violation of the fcra as well. after speaking to a customer advocate she explained that thy would ensure I could make no purchase of a home or car unless I paid them. I have expressed willing to pay once it was an agreed on amount. the verification of debt must contain invoices. I have seen no such thing. now, it 's only right that hunter Warfield remove this from my credit file since they have no way of back dating the actual occurrence. I have a right to refuse establish my credit after I have hard times. this company is reporting this at this time to keep me from doing so 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I applied for a mortgage with VeteransUnited XX/XX/XXXX. I provided them with all pertinent information regarding employment etc. They advised me that I was approved for a mortgage loan and provided me with a pre-approval letter. I then found a home and made an offer. During this process I kept in contact with the lender to ensure that there were not going to be any unforseen hurdles. I was continually assured that there were none and that everything was on track. The lender ordered the title work for the property and I had an inspection done on the home. We were set to close XX/XX/XXXX and I had locked the interest rate for the loan. One week prior to close, I received a letter from the lender stating that they were unable to approve my application at this time. Upon contacting VeteransUnited, I was informed that because I did not have 12 continuous months of employment that I did not qualify for a VA loan. I explained to them that the layoff was seasonal and occured every year and that I had contacted the VA who advised that a seasonal layoff is irrelevant regarding obtaining a VA guaranteed loan. I told them that I had paid for the home inspection and had expended a lot of time and energy, not to mention money in faxing them documents and the inspection fee, to which their response was that maybe XX/XX/XXXX of XX/XX/XXXX. However, with another seasonal layoff with that employer inevitable, it is hard to imagine how they would overlook the continuous 12 month employment issue. It was also pointed out that there are several statements on their website regarding employment which boiled down to that all they require is income to satisfy the mortgage payment and normal living expenses. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint was resolved by its removal from Experian on XX/XX/XXXX. This was my Case number : XXXX How do I get it removed from Transunion and Equifax? 

I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XX/XX/XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing! 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the credit reporting agency because the collection amount is incorrect. I sent in receipts that should be credited towards the debt and was not given credit for. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted a short sale package to Suntrust bank on XXXX XXXX, 2016. I have complied with all their requests in a timely manner to submit supporting documentation as of XXXX XXXX, XXXX, Suntrust continues to request a seller disclosure form which has been provided on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time i call they say that it is incorrect or missing data. I email it to a representative they review and confirm it is correct and that it will be forwarded to imaging department. I call again, and go through the same process and have lost almost a month and file has not been sent to negotiation and have a lost a month in this process because of their incompetence. This file is in foreclosure status w/o a sale date, the buyer is approved, and will most likely lose him because of suntrust delay in properly reviewing document submissions. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Barclays Bank on the XXXX XXXX Credit Card offered XXXX bonus points if I spend {$500.00} in EACH MONTH. XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. 
However they claim I did not meet the qualifications because I did not spend enough money until my statement was closed ( XX/XX/XXXX ). 
The bank would have given me the points if I had spent at least {$500.00} in EACH STATEMENT however that 's not what they have advertised. 
They have advertised EACH MONTH. 

EACH MONTH is not equal EACH STATEMENT. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a customer at regions Bank in XXXX Georgia. I placed my daughter as beneficiary on my checking account when I open my account several years ago. My bank is in a small town everyone knows everyone my daughter went to middle and high school there everybody knows who she is. The first incident occurred the year I opened my checking account. My daughter and her husband have their own checking account at the same branch. XXXX day she came in and could not remember her checking account number they asked her for her social and it pulled up her name up on my checking account and gave her an account balance and serval bank deposit information. She had no idea that it was my account she assume that it was her and her husband 's account she was inquiring about. 
I immediately brought it to XXXX XXXX attention the branch manager. I gave her the employees name and details and she saidthe reasoning for that mistake she says is when they pulled the account through this social the first screen shows her name as beneficiary so they assume that she owned the account that was her only solution. She said it would n't happen again. Now on XXXX XXXX, 2016 the same incident occurred again. I am very angry and concerned from the breach of my personal information even though she 's my daughter and down as my beneficiary she has no rights whatsoever to my checking account! 
I am requesting an expedited resolution in compensation due to the fact that it was never resolved and it is still an issue and it is against the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: My sister went into a Navy Federal Credit Union XXXX in XXXX Ohio XXXX the staff was very rude and unprofessional.She was told there was a fraud alert on her account she went in the branch to prove we are sisters. I faxed my birth certificate to XXXX while she was in the office the receptionist confirmed it was received. And on the telephone she was told that her marriage license could be used as verification as long as our parents names were on it. I was born before our parents were married and my birth certificate only had our moms name on it but she also had my moms obituary proving we are siblings. We understood the policies and did not mind complying with them but feel she was treated unfairly. I am filing this complaint due to the nature of her experience in the branch.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After submitting in writing in XXXX 2015 to XXXX to cancel services, they continued to charge my XXXX Credit card. We attempted to contact XXXX directly to reverse the charges and they were of no help. I contacted XXXX and XXXX investigated and returned the charge as unauthorized. Months later collection notices started coming directly from XXXX. I logged into my XXXX account on XXXX, their online account management system. In there, I discovered that every month after they were continuing to try and charge the account for the unauthorized charges plus additional charges and fees. On XXXX XXXX, 2015, a charge for {$450.00} slipped through XXXX filter. XXXX deemed this charge as unauthorized, as it was partially the charge they had previously rejected as unauthorized. Along with notifying XXXX of the unauthorized charges for cancelled services, I notified XXXX on that day that they made an attempt to collect unauthorized charges and asked yet again for them to zero out the account from these charges and close the account. After contacting them this time, and XXXX returning the charge, XXXX did XXXX the account out ; however, when I checked a month later, on XXXX XXXX, 2015, they had posted new charges to my account in late XXXX and again in XXXX. I again contacted them by email through XXXX disclosing once again these were disputed and unauthorized charges as I had cancelled back in XXXX 2015. Fortunately, XXXX did not allow the charges to go through, but XXXX was persistent and began the demand letters again. When I received the first collection notice from them this time, I found that they had cleared any messaging history between us from their system and provided no transaction history as was there for me to view prior to this new notice. Since XXXX was not allowing me to actually get charged, I did n't worry about it until I went through my mail today and had a collection notice from First Credit Services , Inc., attempting to collect the debt for these unauthorized charges. It is not a matter of not being able to pay this debt, it is a matter of the fact that the debt is fraudulent, not authorized by me, and yet contacting XXXX multiple times trying to resolve the issue, I could never get them to stop. I have wasted so much time dealing with this, it is not even funny. I am in the process of building a new house, and I will be damned if I allow a predatory service like this ruin my excellent credit and cause me increased interest charges due to hurting my credit. Not only should XXXX and First Credit Services write off the debt, they should be paying me for my wasted time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am trying to refinance my home mortgage. When my broker tried to pull the loan, there was an account from a company called Department of education ( # XXXX ) and ( # XXXX ) showing 90 days plus late on Transunion and XXXX. This account should not be late because I have made all my payments since my loan was consolidated. I called the department of education and their database has my account as current and they are not reporting me as late to the credit bureau. This should not be listed on my credit as late because I am current. I have tried to challenge this account on several occasions but was told by the department of education department representative my account is current and they are not reporting me to the credit bureau and there is nothing to update. I do not understand how an account that is current is being reported to the credit bureau 

Company response: Company chooses not to provide a public response
Consumer complaint: I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have been attempting to apply for a primary residence loan with various companies, most recently, Bank of America ( but also XXXX and XXXX XXXX. All of them have told me that I would be wise to pay cash for my new house because I do not have wages from a job to qualify adequately for a loan ( I am a XXXX, XXXX years old, and have sufficient income in my IRA according to my financial consultant to last till I am XXXX if I am careful ). I had planned to use the net income from the sale of my house in XXXX and from a small condo in XXXX ( my XXXX house ) to pay for the XXXX % down ( {$90000.00} ). I have XXXX other houses, rented, with some small extra income besides. I receive social security and take out enough from the IRA to cover all my expenses. The XXXX house I am buying equals in price the value of the XXXX houses I am selling. I have an excellent credit rating and have never had a financial problem ( foreclosure, etc. ). The Bank of America has told me, however, that all it can do is give me a mortgage for maybe {$170000.00} ( less than the $ XXXX I owe BOA currently, which the bank refinanced as a 15 year mortgage two years ago so that I could pay it off more quickly ). I have sent them my last XXXX tax returns, a XXXX for 2015 from my XXXX stock IRA, my Social Security XXXX, and an end of year summary at XXXX for the money my IRA and I have made this past year in a down year ( around $ XXXX ). Today I was told I must submit my 2015 return as part of the application process, which I thought I had till XXXX XXXX to submit. I am supposed to double-close on the primary residence I am selling and the new house I am buying at the same time/title company ( XXXX XXXX ) so my sellers can close on their house on XXXX XXXX. Not only do I believe this is illegal to ask for BEFORE XXXX XXXX, but I have n't finished it. Which means a defacto refusal on the part of Bank of America ( my executed contract for the house will expire in two weeks or so ). I was shocked when the agent told me I had n't even applied yet ( I thought I had ) and besides it would all need to be sent to the underwriter. I have been given a Prequalification Letter by Bank of America, which is why the sellers signed the contract. Dragging her feet means I will not be able to meet the contract deadline and perhaps not close at all timely. I believe that I am being discriminated against on the basis of age. I asked her what documents she needed for the approval that might be covered in the 2015 return, but she did not tell me. She just said she did not want to waste my time or money any further. I do not understand why I do not qualify for this loan, with XXXX houses and an IRA in value close to XXXX dollars. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Investor on my property is XXXX XXXX. Select Portfolio Servicing Inc is servicing my loan. In XXXX XXXX I was approved for a HAMP modification and given XXXX trial payments. XXXX and XXXX XXXX and my last XXXX XXXX XXXX. I have made all my trial payments on time and verified that with the modification represenative and the mortgage company refuses to permanetly mondify my loan stating that HAMP wants a LOMA on my property. I called HAMP and they stated that the servicer is wanting that information due to it being about insurance not behind payments.This servicing company that XXXX XXXX gave my loan to be serviced by is sabotaging my HAMP modification so they can get my house. I want flood insurance, they lender placed it but state it does not meet their minimum requirements. Based on a letter sent to me the lenders placed insurance DOES meet the requirements. That makes no sense to me at all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX ( XXXX ) addresses on my Credit Report that I have never, in my life, lived at. 
In fact, I have never lived in the State of Nevada at all and, it has been well over 30 years since I even drove through that state. 
The address are ; XXXX XXXX XXXX XXXX XXXX , NV XXXX and, XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, NV XXXX Please help me resolve this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I requested validation from collection agency reporting account and never received any. Sent paperwork to bureau, including certified receipt showing I sent request and bureau claims they verified account. Requested means of verification method from bureau and also received no response besides " account has been verified ''. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Have not been able to access my account info for several months with little to no help from Seneca mortgage servicing co. I can not access the account via the web or through phone calls which is next to impossible to get someone to talk to you over the phone the system is set up so you can not get hold of an actual human to get any information they are combative with you over the phone and after the first filed complaint there response was to send legal documents ( copies ) of what their rights are to collecting mortgage payments and foreclosing on loans none of this is at issue and wo n't fix the problem with no access to the web site for customers this is an on going. issue with several customers 

Company response: Company chooses not to provide a public response
Consumer complaint: My student loan was held by First Associate and was to be transferred to XXXX. XXXX said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost XXXX years. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This information does not belong to me I want to investigate when was this because I do n't have any idea. XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response