AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I 'm trying to keep my existing home and I am currently requesting a home loan modification from Bank Of America. The house is currently worth about {$120000.00} less than what I paid for it back in XXXX. My wife and I went through a financial hardship from XXXX thru XXXX, lost of employment and a dramatic decrease in income. After having a forensic loan audit review done on my original loan documents, the findings were alarming, to say the least. To start, the income stated on the application was falsified, location of closing was also incorrect, there 's to much innacurate information to include on this complaint. I currently have been employed for the last XXXX + years in the same job industry, they keep denying my loan modification claiming, I do n't qualify based on the guidelines of their existing modification programs. I should have never been approved to buy this house to begin with, but because of the falsified information included on the original loan application, THAT WAS NOT PROVIDED BY ME, they were able to approve my loan. This also has caused unwanted stress, ruined my credit history, damage to my reputation, and uncertanty to my family. All I want is for the loan to be adjusted to current market value so I can continue making my payments. I almost forgot to mention that they refuse to accept my monthly payment. My current income is more than enough to qualify for this payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have continued to call me and make threats that they are going to put this debt on my credit report even though I still have not gotten anything from them in the mail on who I owe and amount. They offer to text it to me with a link on it and I refused that. I have asked several times for them to mail it to me. I have yet to receive anything. Now when they call they hang up on me as soon as I answer and when I call back they have the same recording that they will transfer the call it rings and then disconnects so I ca n't get this supposed collection agency 's name. One total me Capital Billing and one total me Capital Accounts. I have never been called by the same number. They are all different area codes and phone numbers. I submitted a complaint already on XXXX. I wanted to add to it since a new number called but I did n't see that option. That complaint number is XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to the XXXX XXXX XXXX XXXX XXXX XXXX, and was severely overcharged for a total tuition of around $ XXXX. They added on additional classes that were not part of the agreed curriculum I signed up for, in addition to receiving minimal instruction/education to perform less that the minimal functions in my area of study. My demo reel is not up to industry standards ( due to failure of instruction ), yet was approved by instructors. I did not receive job placement assistance, and have been unemployed ever since graduation. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Experian credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX military XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX XXXX University to further my education after High School. I was a first time generation college student in my family and I was unable to afford my college education without student loans. I looked into Sallie Mae and they assured me they would work with me once I was graduated. Instead of explaining that it is better to take our yearly loans, they told me semester loans would be the best. After XXXX college, I had XXXX separate loans at Sallie Mae at 9 % interest a piece. I sent in XXXX monthly payments of {$25.00} for XXXX loans to lower my interest rate during college. However, for XXXX years, my mother and I were harrassed by the company for " not paying the payments on time '' even though my mom sent checks every month. My mother works at our bank and has copies of all checks sent to Sallie Mae with the dates written and when they were cashed by Sallie Mae. In XXXX of 2015, XXXX sent back only ONE of my XXXX payments and said I did not have any loans with them. How XXXX check of XXXX, that were mailed in the same envelope, got returned I will never understand. I have been charged a late fee for that, even though our XXXX checks had been cashed. Then, I came to realize that for the XXXX years we were being harrassed. My loan payments were being applied to all the wrong loans after months of promises that it was fixed for good this time. Because of Sallie Mae wrongly applying my loans, I was the one pentalized with a late fee. I have called for help on my payments and they are not helping me at all. They said my XXXX payments could equal up to {$1300.00} a month and I am currently earning {$1100.00} a month. Sallie Mae harrassed my mother and I at our work places, even after those numbers were put on a " NO CALL LIST '' and we almost lost our jobs as a result. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Enhanced recovery systems called my job XXXX weeks ago, they were notified that personal phone calls are not permitted by our company, a week later, XXXX more calls at work from the same company happened after they were told to not call me at work 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX University located at XXXX, NY. 

Sallie Mae Private loan, unfortunately I can not afford the monthly payment for the private loans because I am still in the process of making direct payments for my XXXX semester that will begin at the end of XXXX No sallie mae representative willing to process In-School Deferment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Over the past few years, we have had a difficult time paying our Mortgage with Hudson City Bank due to loss of employment. Note : Hudson City does not fall under the US HARP program. During this time, Hudson City would not lower our mortgage interest rate despite numerous attempts to work with them. We also requested help from other financial institutions, but as we were current on our mortgage we could not qualify. Due to this situation, we could not be current on both our taxes and our mortgage. Over the course of a few years, we regained stable employment and our incomes have increased and however, Hudson City rolled our back taxes into our mortgage and rendered the monthly mortgage payment impossible to pay, despite the fact that we can now pay our taxes plus mortgage and a small portion of our back taxes. With new funds now coming in and increased salaries, we can make it work, but not under this new monthly payment. We attempted to send our mortgage payment + taxes into Hudson City, and they refused to accept this payment as they deemed it partial. Our actual mortgage was {$2200.00} our taxes appx {$900.00}, our check was for {$3300.00}. We are desperate for a resolution, be it rolling the back taxes into the final sale of the house, lowering the interest rate of the mortgage, or longer terms ... every time we discuss this with Hudson City Bank, each person states that it is not their department. We can not get to the correct department to find a resolution to this problem. We now will have to spend money seeking legal counsel for a foreclosure lawyer, rather than this bank working with us to assist in a better solution. 

Company response: Company chooses not to provide a public response
Consumer complaint: Santander bank failed to comply with their funds availability policy ( that the first XXXX $ of ATM deposits will be available on the first day after the day of the deposit. 
This failure caused a " default fee '' to be charged ( by them ) when the XXXX $ was not available the next day. 
On XXXX XXXX, 2015 I made a ( Non-envelope ) ATM XXXX of a {$4000.00} check, and on XXXX XXXX an automatic payment was rejected for insufficient funds because XXXX had decided to hold the funds until XXXX XXXX. 
In the months that followed while trying to resolve this, I have been lied to ( and even threatened ) repeatedly - in person, by phone and by letter. I have never been given any justification for the banks actions except that " they reserve the right to not honor their own policy '' ( a reservation not stated anywhere in their policy ) I am a long time customer in perfect standing ( the account involved is more than 30 years old ) which was well before Santander was allowed to come from XXXX and take over United States banks. 
The are links to the bank 's posted policy and related US bank rules:1-XXXX2-XXXXthe entire Santander account agreement : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a credit card with Wells Fargo. At this time, I have three different promotional balance 's on my account. ( They offered special finance of 0 %, for 15 months XXXX Because they claim to apply extra payments to higher interest amounts XXXX, I mistakenly assumed they would add my extra payments to the promotional balance ending soonest. Having checked my last few statements, I see that is not the case. The majority of the money is being applied to the balances with the furthest out end date. When I contacted Wells Fargo, to inquire as to how I might stop this, so my extra payments will be used as intended, I was told that was not possible. I was told they had no way of applying the excess money to any one balance. When I pointed out that that is what they were doing, only in their favor, not mine, I just kept being told he knew how frustrating that must be! When I asked yet again, how I could have the extra money applied to those balances expiring first, he just kept telling me it was not possible. 
At this time, I have no interest charging amounts on this account, only these XXXX special finance balances, which are accruing no interest. I assume that is how they can get around applying the extra money to those amounts expiring the furthest out, but it still does n't seem right, because this will cause me to have to pay interest on these amounts, as they expire. If the extra money was being applied to those expiring first, each amount would be paid off before it expired, which was my intention. 
I would like to know if this is legal, and if so, why? 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian refuses to allow me to dispute inaccurate information on my credit report. This is violating my right to dispute inaccurate information according to the Fair Credit Report Act. Any information regarding my credit report claims I can not dispute this because I already have!! Yet the information is inaccurate. My name is XXXX XXXX not XXXX XXXX, a XXXX bank account has inaccurate information : XXXX BANKAddress : XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Account XXXX .... 


I have a right to dispute inaccurate information!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted XXXX PAYMENTS on XXXX separate occasions several years ago on my 30 year mortgage. Instead of giving me instant credit on those payments the Mortgage Servicer XXXX, simply gave me credit as the mortgage came due. 

I have PAID OFF MY MORTGAGE. However I believe it should have been paid off a month earlier. GREENTREE refunded part of my escrow in the amount of {$1500.00} which I find strange, on XXXX/XXXX/2015. 
I asked the GREENTREE MORTGAGE FOR MY DEED on XXXX/XXXX/2015 and the woman answering the phone said under Texas law they had 38 days from XXXX/XXXX/2015 to send me the lien release WHICH I THEN AM SUPPOSED TO TAKE to the tax appraisal district and obtain the FREE AND CLEAR DEED to my property. 
The trouble is TODAY IS XXXX XXXX, 2015, I have yet to receive my lien release. 
The representative of GREENTREE said they merely mail it by regular mail and she claimed it had been mailed out on Tuesday XXXX XXXX and that I should allow 7 to 10 days. 
That tells me they did not mail out the document which represents title to over {$100000.00} and I request that your office investigate, the failure to give me proper credit on the monthly accelerated payments years ago as well as resolve their failure to give me a lien release. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had XXXX loans transferred to Loancare Servicing from XXXX Mortgage. During the transfer process, I setup automatic payment, as I have done with all of my mortgages. They took all my payment information and told me things were set. A month later, I get a call regarding the mortgage payment. I informed the representative that this is the XXXX time now, that I am giving payment information. As the person is inputting my information, they see that the info is already in the system. They say this was odd, but tells me I 'm all set and there should be no more issues. I have this exact situation happen XXXX more times, I then requested to speak with a manager. The manager gets to the root of the problem. Apparently, there was a fee of some sort that needed to be cleared before payment could process. This was not mentioned to me prior and neither of the XXXX representatives I dealt with on the matter, knew about. The manager apologizes and processes that fee. I proceeded to ask why this was not mentioned prior and would their mistake affect my credit. The manager stated it was either new processors or a new process and my credit would not be affected. My entire mortgage history has been and was clean prior to their errors. Now my credit shows XXXX XXXX day lates that was their error, not mine. I have disputed this several times through XXXX XXXX and they keep sending it back as accurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Experian requests to investigate and remove accounts from my credit report that do not belong to me and they are ignoring my requests. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted Bank of America since I saw XXXX charges assessed to my account which i believe is not supposed to be charged. Unfortunately I have opened new business accounts and signed up for merchant services. Mystery personal has signed me up and thereon no further follow ups nor resolution to my issue was provided by the merchant rep. Device was broken and its almost the XXXX month and yet i do not have the device. At customer service they fail to professionally treat me, matter and fact, they laugh and make derogatory comments. Appropriate proof will be provided upon request. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX Is my dads name and So is the Tax Lien on XXXX/XXXX/2009 XXXX. Also I have never lived on at XXXX XXXX XXXX ohio XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED 

Company response: Company chooses not to provide a public response
Consumer complaint: Every time I pay my Macy 's bill in full, the following month I receive a {$2.00} interest charge, although I have had no balance, This has happened now four times. They will generally remove the charge, but sometimes are quite resistant. If this is happening to me, it is most likely happening to many others. If Macy 's does this to everyone, they are receiving millions of unwarranted dollars and in my opinion that is fraudulent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX ( XXXX ) I have low income. I dont check my credit theres no need to. Anyway we are moving out of our house and i was doing a rental application they denied me because of my score. So I was wondering why checked my credit and there are XXXX accts that are not mine nor have i ever heard of the company XXXX XXXX XXXX it shows as a joint account. def not mine. There is also a XXXX bill for XXXX that is not mine. I do have XXXX. But never XXXX. I am XXXX and dont use cell phones. I have tried calling XXXX. No person .and XXXX has been transferred to XXXX when calling that number it states that they cant give info over the phone. So im at a loss and need help.Thanks for your time 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a XXXX-year fixed rate mortgage with Wells Fargo about XXXX years ago, and have made many payments in advance ( sometimes, upto XXXX years in advance ) of the due date since I wanted to pay off the loan faster. Wells Fargo has chosen to treat these considerable advance payments as if they were made on the due date, and is refusing to give me credit for the " unearned / unaccrued '' portion of the interest. WellsFargo seems to be charging me equivalent of a " pre-payment '' penalty, which is statutorily forbidden in my State. I found another error in their calculation XXXX how the payoff amount was being calculated ), and Wells Fargo fixed that portion earlier. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I made contact with Cardinal Financial Company LP Doing Business As as Sebonic Financial through the web site XXXX. I agreed to apply for a mortgage to refinance my personal residence. The mortgage terms were to be 30 year fixed at an interest rate of 3.375 %, origination fees of {$350.00} and a 30 day rate lock. After multiple delays on their part, on XXXX XXXX, 2015, two days prior to closing, they informed me that instead of paying origination fees of {$350.00} as originally stated in the Good Faith Estimate ( GFE ) dated XXXX XXXX, 2015, if I wanted the loan at the original terms I would have to pay origination fees of {$2700.00} as a rate lock extension charge. When I pointed out that the bulk of the delays were on their side and that on two occasions I was told by Sebonic/Cardinal representatives that if I was timely in my production of documents I would not have to pay for a rate lock extension, I was told by XXXX XXXX, XXXX XXXX XXXX, to take it or leave it. Given that rates had increased 84 % from the 3.375 % to around 4.0 % in the intervening 67 days and the XXXX is assumed to start raising rates in XXXX, I could do nothing but take it and pay the increase in fees. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i have been a victim of identitiy theft and these accounts is a result of it they are being reported on my credit file and they are fraudulent 

Company response: Company chooses not to provide a public response
Consumer complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Have you had complaints submitted on Pacific Union Financial in XXXX TX? 
I am a XXXX representing XXXX and XXXX XXXX on this FHA ShortSale that Pacific Union Financial had agreed to participate on a short sale 18 months ago. 
We had submitted XXXX offers with the best XXXX on XXXX XXXX, 2015 " All Cash '' offer. 
FHA Mtg Letter XXXX still required an appraisal by an FHA certified appraiser. 
They did order an FHA appraisal on this last offer. They kept changing Short sale negotiating specialist 's and losing documents. Two months ago XXXX XXXX supervisorrequest the borrowers financial statements to see if they qualified for a Loan Modificationwhich they offer XXXX and XXXX a $ XXXX monthly payment reductions. 
Since the borrowers did not accept this loan modification, the lender is proceeding withtheir foreclosure. The borrowers speak limited XXXX, so I had to assist them on all ofthis. Can you assist on this or will you pass this to HUD/FHA to follow up on this issue. 
I will be glad to provide all the documentation that I have if needed. 
I have attached copies of the last XXXX emails form Pacific Union, I requested the namesand contact information of the supervisors, but never received them. 
Thank you for you help on this matter. 
Sincerely, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I reached a settlement agreement with Gatestone agency to pay off my debt with a XXXX XXXX XXXX credit card. The settlement was for several hundred dollars less than the original amount, but I was assured that my account would be considered paid in full. One week later, my bank account was charged the remainder of the balance of my debt without any authorization from me or prior knowledge of this fact. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to open a complaint against the following XXXX department Store there reference account # is XXXX. I have been since the beginning of the year 2015 asking for a SIGNED CONTRACT DATED by me. They have not sent me any information since. I have asked also all three credit reporting firms for proof of this account. I understand that All 3 credit firms can not supply. But I have asked XXXX for valid dated signed proof more than 5 times since the beginning of the year. NOTHING!. All they say is " yes this account is yours '' I go back to them telling them these letters are not enough, I WANT A COPY OF THE CONTRACT WHERE I SIGNED AND DATED PERMISSION TO OPEN THIS ACCOUNT. Please I need help. This is hurting my credit report. I am starting a new clean plate on this issue doing this online with cfpb, I have spent a large amount of money, I have asked everyone for proof. The amount of letters - paper ink wasted on asking these people for valid proof. Please someone in this firm help me ask this company for valid signed proof. If they do n't have my valid signature, then remove this from my credit file immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me. 

Company response: Company believes it acted appropriately as authorized by contract or law