AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XX/XX/XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XX/XX/XXXX. 
The judgment was paid and released on XX/XX/XXXX, this XX/XX/XXXX is ( 9 years ) I feel that all XXXX Transunion, XXXX and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree Servicing LLCXXXX XXXX XXXX XXXX, XXXXXX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXXRe Acct. XXXXTo whom it may concern, By law a mortgage company is required to send monthly statements to its customers. I have not received a statement from your company since XXXX of 2015. I have filed no bankruptcy, nor have I changed addresses. I have called two different times requesting statements to be sent out and all I receive is hostile treatment by your people. I continue to receive all other forms of communications from your company, so please, immediately send me a billing statement so I can bring my account current. 


Thank you, XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid {$75.00} for annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took XXXX private loans from Citi Bank between XX/XX/XXXX-XX/XX/XXXX. I was an international student then so I was not eligible for federal aid. XXXX of the XXXX loans were sold to XXXX, XXXX continues to be with Citi. This XXXX ( originally a XXXX $ loan ) I still have with Citi has a 6.5 % interest rate. I have been making regular payments since I finished graduate school. On addition, whenever I can, I have made payments towards my principle. However, I just realize that the math does not add up. For instance, though I made a payment of XXXX $ towards my principle XX/XX/XXXX, my balance is still way above XXXX XXXX How could that be given that my original loan was XXXX XXXX I have stayed on top of my monthly payments, and I have made other additional payments, clicking the box that says " apply towards principle ''? Thank you for your help! 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Transunion on line to get a free credit report .i paid {$1.00} for this andgave my credit card info. I was offered " free '' credit monitoring.come to find out II was charged $ {$17.00} for the " free '' credit monitoring.this is deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed with Experian an entry on my credit report for XXXX XXXX XXXX. I have also disputed it with the company, XXXX XXXX XXXX to no resolve. I became aware of the entry when I was denied credit a few months ago. I was not aware of this debt. Since my original dispute, XXXX XXXX XXXX updated on my report that they received the account from XXXX XXXX XXXX. The inaccuracy in my report is that XXXX XXXX XXXX is not reporting the correct 1st Date of Delinquency. My account became delinquent with XXXX XXXX XXXX in XXXX 2010, which means that XXXX XXXX XXXX should be reporting the same delinquency date if they are stating they own the account. I have never paid them anything and just find out they owned the account a few months ago after applying for credit. I have communicated with Experian and XXXX XXXX XXXX with no resolve. XXXX XXXX XXXX continues to say they are researching the information while continuing to report inaccurate information on my report. Experian states that they investigated and verified but neither organization has provided me with anything from the investigation. I submitted correspondence to both. I have enclosed letters that I have sent and a copy of the report I am referring to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am contacting the CFPB for assistance as I am afraid I am being pushed to accept a trial payment under the FHA HAMP program that is higher than it should be under the guidelines issued. I have attached the detailed FHA HAMP trial agreement to this complaint as well. The trial payment was calculated to be {$2500.00}. Within the same agreement, the letter states my income was calculated to be {$6800.00}. This would leave my housing ratio at 37.68 %. According to the HUD guidelines, this modification program is designing to lower the mortgage payment to 31 % of the monthly gross income. If the payment was calculated to be 31 % of my income, the monthly payment would have been closer to {$2100.00}. According to the HUD underwriting guidelines, the payment should have been calculated as less. The unpaid principal balance on this loan is {$340000.00} plus arrears owed $ XXXX {$400000.00} - 30 % allowable deferment = {$280000.00} over 30 years at 2 % = {$1000.00} + escrows {$1000.00} = {$2100.00}. So my income of {$6700.00} x 31 % = {$2100.00} is just enough to qualify. When we questioned this with the bank, we were told this can be calculated up to 38 % for this program but I do not see those guidelines listed anywhere for FHA HAMP as all that is stated for the target payment is the 31 % and not 38 % for the proposed payment. 
Although I am grateful to have the opportunity to keep my home, this difference in payment would be almost {$450.00} less a month and so much more affordable. My main concern is not to be so tight in making the payments that only XXXX unexpected expense could put me delinquent again and that is very scary. I want to ensure I am never in default again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my mortgage with Bank of America paying off a mortgage with Bank of America on the same property, my residence. Because of their delay and mishandling of the transaction. my new loan closed with costs different from what was disclosed to me. As a result, I paid on both the old and the new loan for a period of XXXX months. My new mortgage was closed on XXXX/XXXX/15 but the old loan was not paid off until XXXX/XXXX/15. Requiring me to make payments on XXXX loans at the same time. Being charge with interest on XXXX loans at the same time. My efforts to contact both the servicing people regarding the old loan or the processing people on the new loan has dead ended. At this point, no one is responding or taking responsibility to correct this error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently pulled my annual credit reports and I noticed that an account ( XXXX 's XXXX ) is listed as an adverse account because of XX/XX/XXXX late payments. The late payments are for XX/XX/XXXX and XX/XX/XXXX with the remaining payments being paid in full starting XX/XX/XXXX. I believe this is quite disingenuous for TransUnion to claim that this account is " adverse '' when it 's been paid in full for over the last XXXX years. I know this has had a negative impact on my score and believe this should be corrected immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to Bank of America at XXXX XXXX XXXX XXXX in XXXX, TN XXXX to follow up on a service charge refund and the manager, XXXX, violated my privacy by calling out my account balances in the lobby where other customers were waiting to be seen. She also talked down to me because of what I was inquiring about as well as tried to tell me how to do my personal job and that I was doing it wrong in front of other customers. She was disrespectful, extremely unprofessional, and told me to close my business account because it was n't being used in the way she saw fit. She closed the account without any verification of who I was or without my signature. I had to go to another branch to open the same account in which she had closed with no written permission. She made me very upset to the point where I was being bullied into closing my other accounts and wanting to change banks entirely. She interrupted me many times to give her input on what she thought I was going to say. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a adjustable rate mortagage orginated by XXXX financal purchased by XXXX XXXX XXXX and serviced by slect portfolio servicing my orginal mortagage payment was {$940.00} a month was raised to {$1100.00}. I had to go through a bankruptcy during the bankruptcy trustree made over {$27000.00} worth of payments on the mortage I have been unable to find out how and where they we applied. I have recived XXXX small settelment payments from the suit the goverment brought forth aginst XXXX XXXX XXXX. It was my understanding that as part of the settlement they hade to offer me a loan modification at market rate.XX/XX/XXXX I entered into a loan modification agreement. Made my XXXX payments totaling {$4100.00} I was sent a modification agreement of {$1300.00} per month at an 8.78 % interest rate when market rates were 2.75-3.25 % I told them this was unacceptable. I told them I would only accept an at market rate as there settlement provided for. I was promised by there repesentive they would work this out. I was asked by slect portfolio servicing to resubmit the modifaction paper work XXXX times which I did then they would switch my loan servicer which the did no less than 16 times from the time I filed the orginal modifaction agreement to the Present Date XX/XX/XXXX. All the while they would say they were missing paper work or it was expired or I would have to start over with a new servicer It got so bad I got my attorney involved and he submitted my paper work no less than XXXX times he always got the same answer as I did something was missing or we got a new servicer.Seeing how I would not go away they tried a new approch they failed to pay my property taxes for 3 years XX/XX/XXXX-XX/XX/XXXX even though they charged escrow for the amounts my home went threw a tax forclosure sale XX/XX/XXXX and I had until XX/XX/XXXX to pay the redemption amount. I notifed select portfolio servicing of this fact the said they were aware of it and would see what they would do. Fearing I would lose my home I paid The redemption amount to save the house on XXXX. They did not pay the taxes and my next communaction XX/XX/XXXX I got was from XXXX and XXXX that they would be foreclosing on my home. I disputed there claim. I have not heard from them seince. These people have done nothing but harass me and tried to use fraudlent means to take away my home. The Federal Goverment has punshed XXXX XXXX XXXX and Slect Portfolio Servicing for this very thing. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Mortgage with PennyMac. In error, I did not notice that they had been escrowing $ for my insurance of which I had on the property until the took an additional {$500.00} with my XXXX payment. My error. I have called them along with my insurance company repeatedly regarding and my insurance has sent over the proof declaration page multiple times. Every time I have called they say they did n't receive it, even once when I was assured the rep was on the phone with my insurance and would not hang up until she saw the fax. Well that was not true as we had to send again the week later. Also they say they take notes, but then they have nothing regarding. After numerous calls and runarounds, I was assured XXXX/XXXX/15 that I would be receiving a check for {$1900.00} from XXXX # XXXX and to call back today to see when it would be processed. Now after multiple runarounds, I am told that they do not have it, they have a 90 day binder and that is not enough to release the funds which 100 % contradicts what they told me last week. So again, I have to contact my insurance company to send them over a new declaration. They have had the documents no less than 3 times of what they needed. They are STEALING my money I am owed and was promised I would get on my phone call last week. I assume they are filing it to the wrong loan or something, because they can not get it right! I have spoken from the names I wrote down to XXXX # XXXX, promised call back, did n't, XXXX # XXXX promised would stay on hold with insurance company until she had correct form, have spoken to XXXX XXXX, today was XXXX who swears they only have 1 document which is wrong. This does not include the numerous calls my insurance company has made with them as well to straighten this out. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage was transferred to GreenTree Servicing when XXXX XXXX XXXX was told they had too many mortgages after merging with XXXX. Since then I have received numerous harassing phone calls telling me my mortgage is past due. That is not true. In fact, I always pay EARLY as I was told to do when buying my first home. I have emailed them, asked for a supervisor to take over my account, etc ... ..and they STILL keep calling. I was so angry with them today that I started searching online and surprise - I 'm not the only person they are abusing. I would appreciate any help you can give me. It seems very unfair to be harassed while paying my mortgage EARLY - every month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am the cosigner on a Wells Fargo student loan that was taken out by my niece to finance her XXXX degree. At the time of the application, I wanted to be sure I was n't signing up for a long term commitment. I was told before any documents were signed that after two years, I could apply to have my name taken off the loan, so long as there was a history of on-time payments. I felt that was a bit excessive, since in most cases a cosigner can be removed after one year, but I wanted to get the loans consolidated with a lower interest rate. Silly me. 
At this time, it has been over four years and I am still being held hostage as a cosigner, even though the payment requirement has been fulfilled for longer than required. Additionally, although I am held responsible for the loan, Wells Fargo will not provide me with any information regarding disposition of the loan, everything must be channelled through my niece. She is also the one who must apply to have my name taken off the loan, which is not the way it was presented to me. It apppears Wells Fargo has stacked the deck so that I will never be removed as a cosigner, though that is n't the way it was presented in the beginning. 
The loan is serviced through payroll deductions, so it 's not as though a payment will be forgotten or missed. If a borrower has a record of repayment this long, I would say it 's a pretty safe bet that the necessity of having a cosigner is a moot point, and Wells Fargo should honor their promise to remove my name from the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : XXXX amended this complaint to note that Ally refused to refund monies to my account that were fraudulently charged by XXXX XXXX XXXX repair. XXXX badly scratched my glass lenses, refused to refund my monies of {$55.00}. I completed a XXXX page form for the bank and they did nothing. The glass lenses can not be photocopied and sent to the bank which they improperly requested. As it turns out, this merchant has a reputation for this conduct and is being sued by their former parent company for this fraudulent conduct. 
I have never been put to this trouble before by a bank. I want the monies refunded NOW. 
Neither has Ally reopened my account. It was overdrawn by just {$6.00} because I was waiting for refund to be made which the bank did receive. I was also waiting just a few days for my SS check to be deposited. when a single person names XXXX closed it on his own accord per my earlier complaints about their poor customer service. I WANT ACTION NOW!!!!! not later 

Company response: Company chooses not to provide a public response
Consumer complaint: this account is fraudulent and continues to report on my file 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I established a PayPal business account for use related to my XXXX. Within one month of using my account, I received a notification from PayPal indicating a limitation was placed on my account and I could not access funds for 180 days. During the one month of my PayPal use ( XXXX 2015 ), my transactions related to the following : XXXX personal deposits to my PayPal account for retail purchases on eBay, XXXX eBay purchases, and XXXX receipt of payment for an XXXX rental. At no time were funds in my account withdrawn to a bank account or transferred to any other individuals. 

Following the account limitation placed by PayPal, I called PayPal customer service and spoke with a representative by the name of XXXX. During my conversation, the representative was unable to specify the reason for the limitation being placed on my account. He indicated PayPal uses proprietary methods for analyzing accounts. As a result, the only explanation of the limitation I have received to date is summarized below from a notification from PayPal : '' XXXX XXXX, 2015 : We noticed one or more of the following problems : You provided information that we believe was false, inaccurate, or misleading ; orYou sent or received money that was potentially related to fraudulent activity ; orYou have more than one account with a negative balance ; orYou are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. " I would like to address the aforementioned problems identified by PayPal:1. ) You provided information that we believe was false, inaccurate, or misleading. 
- All personal information in my PayPal profile, including social security #, birthdate, address, business name, etc ... are true and accurate. PayPal has not provided evidence of the contrary. 

2. ) You sent or received money that was potentially related to fraudulent activity. 
- The only funds received during my one month of use on PayPal related to an XXXX rental. The funds were sent directly from XXXX and do not relate to any fraudulent activity. 

3. ) You have more than one account with a negative balance- As of XXXX XXXX, 2015, my account has a balance {$2800.00}. At no time during use of my account was the balance ever negative. 

4. ) You are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. 
- After a detailed review of PayPal 's agreements, I utilized the service in accordance with all rules and regulations. At no time were funds ever withdrawn or transferred to outside individuals/entities. My PayPal account was used for retail purchases on eBay and receipt of payment for an XXXX rental. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a bank account with Bb & t Bank. In XXXX Ky. They overdrafted my account by charging me a monthly service fee. I had the account for multiple months and was never charged it before. So of course I refused to pay it so now they have me blocked in the XXXX and showing up on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX years old. Eveytime I get my credit report, my mother 's name is listed as a XXXX name on it. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company refunded a payment via paypal on XXXX XXXX. Paypal supervisor XXXX ( XXXX/XXXX/15 at XXXX PST ) stated the funds are unclaimed. I asked her does that mean paypal has these funds? XXXX said, " yes. " I asked them to transfer the funds to my bank and XXXX said they do n't have them. 
There is a serious problem here. She, XXXX, could not provide any cogent answers as to where my refunded funds are. The company that refunded my money said paypal took the money from her account. 
Paypal is not interested in helping the customer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This collection agency obtained the name and phone number of my emergency contact person from my MEDICAL RECORDS and repeatedly contacted that person!!! Is this legal??? They left messages and contacted this person even after she called them back and asked them not to contact her again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines. 

Company response: Company chooses not to provide a public response