AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I cosigned for a student loan for my son to be paid after he graduated. Kohn Law Firm of XXXX WI, ( a " Nationally recognized debt collection law firm '' according to their Website ) starting working with the collection of the debt in XX/XX/XXXX. I set up a verbal payment agreement with them and began making {$200.00} per month in XX/XX/XXXX. Payments were sent to the firm at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I continuously requested validation of the debt and when they did sent me information it was not complete. 

In XX/XX/XXXX, they filed a lawsuit against myself and my son. We both hired attorneys and again both attorneys requested copies of the master list ( pool agreement schedule XXXX ) showing that this loan was transferred to a trust account. 
In XX/XX/XXXX, Attorney XXXX contacted my attorney ( who was hired to represent me on the loan of my son 's ) regarding another defaulted loan that was in his office on a student loan of mine. Now I did not hire the attorney for this matter and I had been dealing with Kohn Law Firm since XX/XX/XXXX, waiting for the master list ( Schedule XXXX of a pool agreement showing my loan was transferred to the trust ) As of today 's date I still have not received anything from them. Attorney XXXX violated my right to privacy by even mentioning this matter to my attorney, who, again was not representing me on this matter. 
This Master list regarding my son was never provided and the court dismissed the case in XX/XX/XXXX along with my counterclaim. My counterclaim was for a refund of payments made in the amount of {$2000.00} along with attorney fees and {$1000.00} punitive damages. Between XX/XX/XXXX and XX/XX/XXXX I actually paid $ XXXXXXXXAfter a month I contacted the Attorney XXXX XXXX requesting a refund of the {$2900.00} I paid on the loan that they could not prove the ownership of. He has refused. 
I sent an email again asking for a refund of my money and again he refused. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a judgement from a law firm of Bursey + Associates based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of XXXX XXXX XXXX, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a checking account on SunTrust 's website and used a debit card from another bank to fund the account. The following day, I was advised, by SunTrust, that the account had been 'flagged ' and would be closed. No reason was given. Multiple inquiries, by phone and in person, resulted in my being referred to SunTrust 's rules and regulations which state : 'The Bank may close your Account at any time and for any reason or for no reason without advance notice. ' It took another three weeks to have my funding deposit refunded. I 've been unable to find anything on my credit report or XXXX file disclosure that might indicate why the account was closed. 
: 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a delinquent debt which I know is delinquent and I sincerely want to make right. The representatives called me names, belittled me, and humiliated me while others listened in. I was so embarrassed that I hung up and burst into tears. This agency also has been deceptive multiple times. The first representative offered a certain number that I called to attempt to repay, but then the company denied that the offer was made. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I applied for a home refinance loan at loandepot and after 5 months of having received conditional approvals, good appraisals and meeting FHA requirements my application has been denied because of the underwriters demand for a structural engineer report for my garage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: During the month of XXXX 2015, I made multiple payments XXXX using electronic bill pay XXXX on my existing mortgage with Wells Fargo Bank in the amount of {$880.00} and {$1700.00} for a total of {$2600.00}. The total monthly amount due for the XXXX mortgage was {$1600.00}. Once I noticed the over payment, I called Wells Fargo on XXXX XXXX and spoke with a supervisor ( XXXX XXXX ) to inform him that I overpaid on my account and that I wanted the credit in the amount of {$950.00} returned to me. I gave XXXX XXXX my XXXX XXXX XXXX account number and routing number. He assured me that he was going to open a work order to have the funds returned to my account. I waited 5 business days and called Wells Fargo on XXXX XXXX and spoke with another supervisor in customer service ( XXXX ), and she informed me that Wells Fargo could not return the {$950.00} ( that they fully admit is a credit ) to me because their accounting system would only allow them to return the full amount ( {$1700.00} ) that was paid on XXXX XXXX. Upon hearing the explanation from the supervisor, I told her that I was not a person of enormous means and that I would accept a paper refund check in the mail from Wells Fargo instead of an electronic deposit to my account. XXXX told me that Wells Fargo would not send a paper refund check due to their accounting system. I ended the conversation by informing the supervisor that I would file a complaint with CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owed a bill to the hospital for my son. I contacted their billing office and set up a payment plan. I paid the first payment in that amount. Every payment after that was more than the set amount. After 3 month I received XXXX messages identifying the caller as the hospital, telling me to call about my account. There were " concerns ''. When I called the number, I was told my account was in arrears. I asked how that could be since I had set up a payment plan and I had paid over the amount since it had been set up. The person I spoke with said they had no record of that payment plan, but no matter ... they could set one up now. They set it up for {$42.00} a month. I continued to pay {$100.00} a month until the final payment of {$77.00}. I then received another bill for {$100.00}. I knew I was paid in full. I received another bill. Worried that I was mistaken and trusting ( stupidly ) I would be reimbursed if I overpaid I paid another {$100.00}. Two days after it cleared I was turned over to collections. I 've called and argued. They say they never received checks in XXXX, XXXX or XXXX and they want cancelled checks. I printed them, but with my bank account on the check, wanted to walk into a physical office rather than fax, so I went to call the number again and noticed that when my bills changed XXXX from XXXX to XXXX ... after the phone calls ... XXXX the phone numbers were different. I called the local one on the old bill and got the very polite XXXX billing office. She said my account was paid in full and I was an excellent payer! No, I was n't turned over to collections! Why would I think that? I consistently paid more than we agreed? This woman was as nice as the other XXXX were rude. 
She also informed me that she had no knowledge of this other number and NO ONE did their billing but her office!!! 
I have been scammed. She gave me her name and number at XXXX XXXX XXXX Hospital. 
I called the other number back and confronted them. I accused the person who answered ... it is never the same person ... of scamming me and he claimed they represented different hospitals and I informed him XXXX XXXX just told me no one represents them. He said that 's not true and he would call her. He did scramble on the phone for awhile when I asked for a physical address of his business. 
It is XXXX XXXX, CA XXXX ( or so he says ) The number I 've called is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Select Portfolio Servicing has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because Select Portfolio Servicing moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX Select Portfolio Servicing decided to review my case again for possible modification and requested updated documentation, which was sent on XX/XX/XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took Select Portfolio Servicing 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
Select Portfolio Servicing has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently pulled my credit report and found that Jefferson Capital is still reporting on the credit bureaus a debt that was sold to another collection agency and was paid in full to the other collection agency. I contacted Jefferson Capital to advise them that they can no longer report on a debt they are not collecting. They sold my debt to XXXX XXXX XXXX XXXX in XXXX of 2015 yet are still reporting it. The debt was paid in full to XXXX XXXX XXXX and Jefferson Capital is unlawfully reporting it to the credit bureaus despite my request for them to cease. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX account balance was paid of {$220.00} and only showing through XXXX affecting my transunion score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximately one year ago we started a short sale of our home with or mortgage holder Wells Fargo Bank. We have had a constant turn over in paperwork all the while meeting out our obligation and turning over all of the requested documents. During this time we have been harassed by Wells Fargo 's so called field agents. These field agents have come to our home at all hours of the day and evening without prior warning and have refused to show identification upon our request, saying that they are not required to so. They have taken pictures of our home on several occasions without our consent and have violated our privacy. They are very unprofessional in their appearance and often come to our home with several other unidentified persons riding in their vehicles. In our attempts to file complaints with the bank the Points of Contact have been unresponsive. The Points of Contact who I believe are designated by Wells Fargo to be our intermediaries, lack the most basic of customer service training skills. We have had numerous XXXX as Wells Fargo refers to them and they are totally " useless '' in this process. Either they are ignorant of what items they are asking for or they do n't ever call the customer back to answer questions and concerns. 

Finally on XXXX XXXX, 2015, we received a " Letter to Participate '' which is a HUD article and approval to proceed with the short sale. Since that time Wells Fargo 's Loan Adjuster 1/FHA Liquidations-XXXX has been a literal " sand bag '' in the what should be the final process of the sale. It appears to most of the professionals that have had anything to do with our transaction and XXXX XXXX that she purposely " sitting '' on our final approval for short sale. She has continuously failed to properly communicate with our Realtor in requesting the proper documentation for closure of our sale, to the point of even threatening us with removal from the HUD approval list without documented reasoning. Unfortunately it appears that through time XXXX XXXX may have come to believe that she is above reproach. We have contacted Wells Fargo supervisory staff on several occasions without any direct result. XXXX XXXX XXXX has been the latest to attempt to intervene for us even though he is not XXXX XXXX 's direct supervisor. We understand that XXXX XXXX is a important person to Wells Fargo. We have been made well aware of her role in representing Wells Fargo Bank, but she works for the bank, she, herself is not the bank. 
We are now on our XXXX, buyer. This buyer has been given excellent treatment by it 's lending institution and has offered " above the Fair Market Value '' for our home. Yet again we just re-sent documents that were requested by XXXX XXXX, items that were sent on several other occasions. The Buyers are anxious and frustrated, as we are ourselves. Please assist us in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX acting on behalf of one of my investors, U.S. Bank, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on the XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a Loan Modification with Well 's Fargo Home Mortgage and I was denied. But the reason that I was given is that I did not have a hardship. My husband and I have been separated since XXXX 2014 and with the loss of his income I am finding it hard to meet my monthly mortgage which is {$2400.00}. My monthly gross income is {$3400.00}. The reason that I was given for being denied is that I my gross monthly income should allow for me to meet my mortgage payment, but after taxes and paying my utility bills and second mortgage, I can hardly pay this payment. All I am asking Well 's Fargo is to lower my mortgage payment. I do n't understand what their criteria is to qualifiy for a Loan Modification. From doing my research, I have found out that these Mortgage Companies are not really helping many home owners at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, Yesterday, the IRS put a levy against my bank account. Bank of America decided to levy my entire amount then to charge me {$100.00} for admin fees -- - thus actually overdrafting an account that minutes earlier had over {$6000.00}. They then, of course, charged me an overdraft fee. 
I immediately called the IRS. We agreed that they could have {$1000.00} and they would release the rest right then. They said it could be instant or take 24 hours. Today, my account is still negative and another overdraft fee. I called the B of A legal department. They claimed they received the order to release this morning, and the funds should be available by tomorrow. I am guessing they will tack another overdraft fee on my account. 
I do n't understand why B of A levied a greater amount than I had in my account. They should have pulled their admin fee out first, of course. They purposely made my account negative. I got the levy released immediately. This is clearly just a mistake. I have been with the bank since I was XXXX ( XXXX now ). I do n't think I should be punished because B of A themselves overdrafted my account. I do n't think I should keep receiving overdraft fees because I am waiting for them to take the hold off of my account that they placed. 

Thank Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX acting on behalf of one of my investors, Citigroup Mortgage Loan Trust, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This account has been disputed previously in regards to the Account Type ( charge card ). It not has a status of Paid - when it should be PAID and Closed. 

XXXX - XXXX XXXX. 

Please update the status to reflect its true closure, and where TU has added PAY HISTORY through to today -correct the same. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not know who they are but they are calling me on a work issued cell phone number. 

Company response: Company can't verify or dispute the facts in the complaint