AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX and Green Tree Servicing Failure to Comply with TILA and FDCPASummary of Complaint : XXXX and subsequently Green Tree Servicing have not provided verifiable proof that they have legal standing to administer a loan modification or file a Default Judgment and suit under the Mortgage. XXXX and subsequently Green Tree Servicing has failed to provide adequate evidence that proves XXXX is the current legal owner and 'holder in due course ' of the debt under which they demand payment and have foreclosed. 
XXXX and subsequently Green Tree Servicing has filed a Complaint ( lawsuit ) in 2010 to foreclose on my investment/future retirement home in the State of South Carolina. Unfortunately the judge did not allow my Demand for Discovery and eventually a Judgment of Foreclosure was issued by the court. The case has been moved to the Master of Equity to administer the public sale of the property. 
Green Tree Servicing has offered loan modification and other loss mitigation options. I responded to Green Tree Servicing that I would like to apply for a loan modification but I could do so only if they provided evidence that proves who owns the debt. XXXX and Green Tree Servicing have failed to provide the requested information in failed to comply with TILA and FDCPA. It is my belief and based on documentation XXXX and Green Tree Servings filed in court and the county Registrar that the true legal owner the alleged debt XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I cosigned a lease for my son. After he moved out of the apartment with the appropriate notice the the apartments kept billing us ( through a shell company ) for common electric, pest control and garbage collection. I wrote them several times and even sent copies of my canceled checks from my bank but they continued to bill me then put a negative mark on my credit. The apartments are XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The shell company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I repeatedly asked for an accounting of my payments and their billing but never got a response. Also there is no way to contact this shell company except through mail as they do not have a phone number published. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been stuck with Ally begging for a lower interest rate for years. 
They do not budge -they rather me have a hard time making paymentsI have 2 years left to pay and since my financial situation has gotten worse Iam requesting help- they do n't budge, they rather extend my car paymentanother year and half, that is not help. It like im stuck in a bad relationshipwith no way out. Am I late on payments sometimes yes but its because imstruggling! Why not help? They rather I turn the car in? 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree Servicing LLC has been charge me for PMI insurance months after months, although my principal balance felt below 80 % of the original loan. Not 20 %, My principal balance felt 80 %, Green Tree Still Charge me for PMI. I made many requests to Green Tree to drop my PMI. Green Tree Refused to accept my appraisal. Green Tree told me it needs my authorization for an appraisal, I told Green Tree, it does n't need my authorization, if am paying for the appraisal fee, I should choose my own appraiser. I asked Green Tree Why I can not choose my own appraiser? I did not get a response back. And it still charge me PMI fee every month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt is not known to me. XX/XX/XXXX I was a victim of identity theft this account was opened fraudulently. I complained to XXXX XXXX credit bureau XX/XX/XXXX that I wish to place a dispute with this company and requested that full. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
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Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've received XXXX phone calls from Kay 's jewelry ( XXXX at work ) and XXXX voice messages regarding an {$80.00} debt within the past two days! I discussed with them in store I wanted the payments to start on the XXXX of XXXX which I intend to do but this harassment is absolutely ridiculous. Please do something about this ubsurd behavior. This is n't XXXX you know? It 's XXXX. XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a XXXX year old single, XXXX woman who applied for mortgage refinacing under the HARP program from Wells Fargo. My story could be a best seller relating to all the wrongs Wells Fargo, XXXX, XXXX XXXX XXXX and XXXX XXXX do to their customers. 
Because my story is a long one full of descreprencies and discrimination aagainst me, here is my present situation. 
Wells Fargo REFUSED to both lower my interest rate which is presently at 5.6 % or lower my payment. However, they did decide to lengthen my conventional loan of 30 years to 45 years..thus lowering my payment from {$1500.00} to {$1400.00}. I would never be able to pay this loan off, but this was their best and only offer of assistance. 
I need help refinancing which is why I applied in the first place. I lost all of my money in the stock market due to fraudulant activities of the companies executives..but until it is resolved in the court system, my only income in from Social Security XXXX and a small annuity adding up to {$1600.00} per month. 
As you can see my situation is both desperate and immediate and I feel that WF is just waiting for me to miss a payment ... which will be next month if I do not get help ... .so they can foreclose on me. 
My home is up for sale but so far no takers. 
I truley and justly feel that I have been discriminated against. 
Please, I want to keep my home. I need for WF to do what the HARP program promised they would do ... lower my payment. 
Because I feel I have a just case against them, I want them to grant me a large reduction in my payment ... a reduction of {$500.00}. 
This would help me to keep my home, which is the sole purpose of the HARP program. 
I could go on to give you a list of all the wrongs that these companies have done to me in the past 10 years. It is time for them to stop and undo the damage. 
Thank you for your assistance with this most urgent problem. 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has been replacing old information over and over I ca n't open credit cardsmy score is being damaged for XXXX months now and over XXXX yearsI have no REmedy pls help. 
Pls be advised I want everything to be clean and up increase in my scoreing system. 
I have been disputingXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Enclosed is a report dated XXXX of XXXX. In this report, concerning XXXX of XXXX credit card XXXX ... .. there are several issues. If I am incorrect please provide me with a copy of the law stating so, however I do not believe I am incorrect and after this complaint, if not fixed I will obtain legal council and attempt to recapture every dollar spend in interest that I should not have had to pay due to higher than necessary interest rates. 
Issues:1 ) You are stating that I am {$2000.00} past due as of XXXX XXXX. This account was written off in XXXX of XXXX at which time I paid my tax penalty on the amount and the account is done. I was past due that amount back at that point ( again XXXX ) but not currently. I agree that the statement preceding that is correct, " Account charged off, {$10000.00}, written off. '' but not that I am CURRENTLY past due. 
2 ) On page XXXX, you have me listed at " CO '' in XXXX of XXXX, then XXXX of XXXX. That is making me look as though I am a severe repeat offender. If the account was written off in XXXX then it was not written off in XXXX. If it was in both time please provide proof because my understanding is that the bank can not write the account off XXXX and get XXXX the tax benefit. If that have done so that I believe it is a burden on Experian to report XXXX XXXX XXXX to the IRS for tax fraud. 
3 ) You are listing as actions taken to being 'CO ' in XXXX of XXXX, then in XXXX and XXXX of XXXX, again in each month of XXXX, then I have no charge offs in XXXX and XXXX but every other month in XXXX. That accumulates to a total of 19 months that XXXX XXXX XXXX has charge my account off. Again that is making me look as though I am a severe repeat offender. XXXX account got charged off, at one time and I paid the price. Please reflect that in my report. 

I will continue to pursue these correction until they are either corrected or you can show me the actual law stating that you can XXXX me XXXX times on XXXX issue. However, my next complaint with actually come from both an attorney and other agencies such as the Texas XXXX Attorney General 's office. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is showing on my credit reports as 30 days late. I have never been 30 days late. I disputed with them and the credit reporting companies. The response I got back was it was correct we are not going to change it. When I paid my bill for XXXX it was due the XXXX, I paid on the XXXX and asked in the store about why it is reporting 30 days late. Store employee told me that their cycle is XXXX to XXXX, so if you have n't paid by the XXXX it is reported as 30 days late. I attached a copy of the bill and receipt when I paid. XXXX has reported to the credit bureaus at least XXXX times like this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have. 

Company response: Company chooses not to provide a public response
Consumer complaint: i had a laptop for sale on XXXX, this dude sends me a email regards to the laptop. He tells me that hes out of town and needs is as soon as possible. He tells me hey ill send u a check and cash it ill send u some extra cash so you can send it to me and pay the cost to have it here the next day. i was like okay? thinking i never have done anything like this so i go to my bank deposit the check a couple of days later my account was closed and ever since ive been tring to get this fix as soon as possible and i have no leads on anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had deposited a check on XXXX XXXX 2014 via mobile deposit for {$350.00}. On XXXX XXXX, {$350.00} was taken out of my account as a credit adjustment and when I contacted Wells Fargo they informed me that I had made a duplicate deposit of the same item on XXXX XXXX. but I never made that XXXX deposit. I went to a Wells Fargo branch and after sitting there for hours trying to figure out where they were seeing this duplicate deposit, they informed me the check had been deposited into her wells fargo account. I filed a fraud claim right away and went down to the police department and file the police report because somehow this woman had stolen the check and which I did not endorse the back of it. therefore Wells Fargo had accepted a non endorse third party check to be deposited which is against their policy so for Wells Fargo to cover their mistake of negotiating the duplicate item, they withdrew the money from my account to pay this woman. it has been a month and a half and they still have not refunded me {$350.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX. 

It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I recently checked my credit report, and I made an attempt to pay off or settle all of my debt. There was a listing from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. This was in reference to an account with XXXX. I called the company and settled my debt with them. I received a paid in full letter, and I disputed the information with all XXXX credit bureaus to get them to update my credit file. On XXXX/XXXX/2015, I received a phone call from Receivables Management Group, XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. They informed me that they have received an account from XXXX XXXX XXXX, and wanted to know if I wanted to pay them before they put the collection on my credit file. I informed the lady that I had already settled the debt, and that I was not going to pay for a debt that had been settled. I told them that it was illegal to try and collect on a paid debt. She told me that they received the account in XXXX of XXXX. I told her that she needed to contact XXXX. and figure out why they sold them a settled debt. The lady then begins to tell me to produce documentation saying that I had settled the debt. I refused to do so, and demanded that she settle this issue with XXXX. I then informed the lady that I would be filing a complaint on her and the business for trying to collect on bogus debt, and she hung up in my face. I wish to file a complaint, and be compensated if possible for the harassment that I suffered from XXXX XXXX XXXX and Receivables Management Group. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had this disputed on a credit report over XXXX years ago. I had my bank card information stolen previous to this debt and had multiple charges that I did not make. This being one of them. This is over XXXX years old and this company that has bought this debt from the original company keeps updating the collection which makes it appear as a new collection and is ruining my credit. Please help me. I do not know how to make this go away. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: THIS ACCOUNT DOES NOT BELONG TO ME. I TOOK OWNERSHIP OF MY LEASED PROPERTY IN XXXX XXXX AND SIGNED CONTRACT FOR UTILITIES WITH XXXX UNTIL XXXX XXXX WHEN I COMMENCED SERVICE WITH XXXX FOR INTERNET AND CABLE PACKAGE. I HAVE HAD A XXXX ACCOUNT SINCE XXXX OR BETWEEN XXXX AND XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing to dispute some scary errors on my credit report. I have written many times, to the XXXX credit reporting agencies about these errors -- eventually legally changing my name, twice, to make it impossible to mistake me with my mother and sister, who shared the same addresses and names. I was born, XXXX XXXX, my mother changed my name by adding her last name, changing it to XXXX XXXX, and presently, my name is XXXX XXXX. I changed my name because my mother and I shared the same name and our accounts where considered one. 

Today, I am writing because it seems Experian believes, my previous name, XXXX XXXX, and my new name, XXXX XXXX, belong to XXXX different people, although the same social is used, and I have provided documentation of the name change. Experian 's record of XXXX XXXX does not match with the report that has my previous name. The XXXX XXXX report does not have the same errors I have disputed in the past, but they do not show my previous names : XXXX XXXX, and XXXX XXXX or include my past addresses:1. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXThe credit report under my previous name, XXXX XXXX, which they sent along with the XXXX XXXX report, has all the incorrect address I have disputed in the past and incorrectly adds a " Spouse or co-applicant : XXXX, which needs to be removed, as I am not married. '' These addresses must be removed from my XXXX XXXX record:XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( This address belongs to my sister, XXXX XXXX-I have never lived there ) XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) My phone number is ( XXXX ) XXXX -- the other numbers do not belong to me and must be deleted. 

I need my credit report to connect my XXXX names into XXXX account, so that it does not seem like we are XXXX people, XXXX with errors and the other XXXX missing vital information. I have changed my name, but my information is not different from one name to another, they only change has been to my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a " Home Equity Line Of Credit '' with Bank of America. They sent me a letter stating that it would be closed as of XXXX/XXXX/2016. But that I could apply for a new lie of credit. 
I called said yes and they opened an application under LoanApp # XXXX. I sent in my info as directed, I was assigned to XXXX XXXX XXXX XXXX. 
Bof A came back and told me at first that I had to Globally Li, ft for thirty days, the security freezes I have with the XXXX credit bureaus so that they could do a credit check. After many calls back and forth they stated that I only has to lift the freeze with XXXX. I did a selective lift for them and furnished BofA with a code to use. They came back and said they can only use a global lift. I told them I have been a victim of Identity Theft and would not do a global. They said goodby. They sent me a letter saying that they would not go forward with load app as I refused to give them access to my credit reports. 
I feel that I, and anyone else who has been a victim of identity theft are being discriminated against. Is this against the law? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. XXXX helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX report. However, after calling Transunion and XXXX, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an issue last year where hail damaged occurred. I filed a claim with my insurance, and they issued me my first check. They made the check out to myself and SWBC. 
I sent this into SWBC for endorsements, and was asked to file numerous paperwork. I did that, and they issued me a check for the half of the insurance payment, made out to my roofing company, and myself. However, due to the length that it took them to process the check, I had to switch roofing companies, in order for the repair to be completed in time. 
I reached out to SWBC and told them I needed to have the check re-issued to myself, and I would pay for the roof repair out of pocket. I had to send in more paperwork in order for that to be done. I did, and they told me they would issue the check just to me. I continued with the repair ( paying for it all out of my pocket, since their process was taking forever ), and their inspector came out to approve. 
They sent me the XXXX half of the XXXX insurance payment, and endorsed the check for the XXXX insurance payment. However, I never received the re-issued check for the first insurance payment. 
I called them, and they told me my account was closed, and the check had been sent months prior. When I told them I never received it, they asked me to send in the check ( issued to myself and roofing company # XXXX ), and they would send me another check. They did n't however, only endorsed the check ( which made no sense ) and sent it back. I have sent the check back again, and they are now telling me I need more paperwork in order to get my money back ( which I do n't understand when the account was supposedly closed out ). I have asked to speak to a supervisor with none available. I still am out the {$3600.00} that I have already paid to my roofing company, and it has been 2 months. I keep getting the run around from SWBC on what it 's going to take to get this money paid to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call from contract callers inc. Saying i had a XXXX insufficuent funds check from XX/XX/XXXX of {$370.00} that needed to be paid. They said the check was from XXXX and i have never had an account with this bank. I told the man must be a mistake because this is XX/XX/XXXX and if i owed XXXX money i would not still have phone service 7 years later. Must be a scam ... trying to get money over the phone ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wanted to use my credit card to purchase tickets for the upcoming XXXX XXXX XXXX in XXXX ; tickets were allocated through a lottery when if the lottery was successful the credit card on file would be charged immediately. I notified the bank that the charge would be coming not to reject it ; three days later when the charge came through it was rejected by the bank cancelling my application for tickets automatically so now I lost the tickets I was allocated. My request for processing this information is in their system in my account and still the charge was not processed 

Company response: Company chooses not to provide a public response
Consumer complaint: They continue to call and hang up on my cell phone XXXX the number I listed above ). I do not owe anyone any money and have an excellent credit rating in the high 700 's. It is harassment. 

Company response: Company chooses not to provide a public response