AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To whom it may concern : I applied for a fha XXXX loan to repair some roof damage to my home. I have very good credit and a long and stable job history. The value of my home covered the increase easily. The loan took over 1 year to close. My loan agent charged me {$3900.00} in points to lower my interest rate from 4.5 % to 4.5 % XXXX no it is not a typo, no change in interest rate XXXX. When I questioned him about this over the phone ( late closing ) he gave told me he was going to research it. During the closing I asked the escrow agent and she could not explain it to me. In order to justify the addtional fee, the loan agent ignored the instructions from the XXXX XXXX consultant and only accounted for partial fees that should have paid for my XXXX fees. I believe the agent knew what he was doing and stalled for time since he is no longer working with XXXX XXXX mortgage. I was purposely mis-informed, lied to, and the mortgage agent took advantage of my need to get my house repaired. I have reached out to the mortgage company and their management I am being ignored. I am now concern for that my credit identity and assetts may have been compromised since the agent in question has all of my personal information in order to process my loan. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am facing foreclosure and I would like to have a principal reduction. I requested a modification packet and still has not submitted it to me. This is a FHA Loan and was bought out by the Federal Government. 

Company response: Company chooses not to provide a public response
Consumer complaint: Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender : Access Group ; Loan service provider : XXXXPrivate student loan. 
My monthly payment amount adjusted ( based on repayment schedule ) and I contacted customer service via telephone to verify the new payment amount ( then made a payment for that amount ). The following month I received a statement indicating that I was {$.00} delinquent on my account and that a {$10.00} late fee had been assessed. I then contacted customer service via phone again and was told that my {$.00} overdue amount had exceeded my contractual 15 day grace period and that they would not waive the late fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting collection calls from Central Credit XXXX regarding a debt that I do n't owe. I 've called them and they say my phone number is not in their data base, but they will put me on their " do not call '' list anyway. The calls are continuing. 

I had the same problem last year with XXXX and it turned out that someone had their phone forwarded to my number. Central Credit does n't want to listen to any possible resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: in XX/XX/XXXX I authorized XXXX motors to do a credit check for them to get me a loan on a motorcycle. THEY then allowed XXXX more creditors ( XXXX XXXX and XXXX XXXX XXXX ) to pull a credit report on me as well. This was for XXXX loan and I now have XXXX hard inquiries for that. Is there any way this can be changed to just XXXX report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made payment arrangements with Zions bank to make payments on a repossessed vehicle. I then found out that Zions bank filed a XXXX to the IRS- Cancellation of debt, making the entire amount of the loan I was currently making payments on taxable as income. 
I tried multiple times to ask Zions bank to send an amended XXXX to the IRS and they refused and then ignored my request. I stopped making payments to Zions. 
Why should I make payments on a debt that Zions bank has claimed to the IRS as being forgiven and is now counted as my income. PLUS they refused to amend the XXXX? 
They have continued to try to collect and still have refused to file an amended XXXX ( cancelation of debt ) and have even garnished my wages. I now owe the IRS for the entire amount of the loan as income and the bank as unpaid debt. 
I am now forced to file bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep receives a letter from First National Collection Bureau , Inc. for debt collect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was living in a apartment complex XXXX in XXXX XXXX XX/XX/XXXX/XX/XX/XXXX. I have never been delinquent on rent. I gained what i feel was a great relationship with the management team and worked very closely to a worker by the name of XXXX. Due to my mother having XXXX XXXX and becoming sickly I ended up having to move back to XXXX in a emergency. I spoke to XXXX and a few others that worked there about my personal information whereas an agreement came about to me being able to leave a bit earlier due to my situation. They informed me that the best they can do was for me to write a letter giving my 30 day notice so they can put the apartment back on the market preventing them from losing revenue and I can leave after the 30th day. In between time I was not aware that new management was taking over. Workers changed etc. When I spoke to the new workers they made it seem like everything was okay. I am trying very hard to fight what is right. If you look at my rental history I have never owed anyone and not pay them. Even if you look into my credit history if I came to a bump in the road I paid it up. It is not fair to me to be informed certain information in agreement and understanding especially when they see I pay my rent which was the reason why they even allowed me to leave because I have done good by them. Now they are saying I owe XXXX dollars for an apartment that cost XXXX a month. I left in XX/XX/XXXX and my lease was up in XX/XX/XXXX. This is incorrect, very incorrect and I have no idea where these numbers are coming from. I feel like I am being scammed and the credit bureaus wont do a thorough investigation. They need to contact management who was there when I resided there in hopes that they remember my case to assist me with these fraudulent charges. I work very hard for my money and would take them to court before I let someone be so immoral just to take money from me that i rightfully do n't owe. I do n't mind paying any debt I have back as you can see. Please assist me with this situation. I also have witnesses from other tenants who lived by and knew my situations and the outcome of how they helped me. I am not sure if it was against their policy but because I gained such a good relationship with them, they worked with me. 

XXXX and XXXX has assisted with my complaint and concluded the account as being closed or Paid, but XXXX wont take the necessary steps to see that I am correct. 

Please Help!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Took advantage of an interest free offer and the bank charged interest even though I paid off the monthly charges on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I asked for my yearly credit reports from Experian, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and XXXX stated they had been sent, but I never received them. Experian would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I logged into the Experian site to review my credit report. They offered to see my FICO score an credit report for a {$1.00} fee, that i paid. I was unaware this fee was a 7 day trail membership and if i did not cancel the trail within the 7 days i would be billed {$23.00}. The amount was charged on Saturday XX/XX/XXXX i called them on Monday, XX/XX/XXXX at XXXX XXXX. i was informed they do not issue refunds and but would cancel my subscription for any future billing. I can get my XXXX and XXXX credit report and FICO score for free at any time so to pay {$23.00} a month for this is something i would never have done. i only wanted to see my credit report and score to compare versus the other XXXX and see if the same inaccuracies i found on them were on their site as well. .If they want to charge me {$1.00} for this service and then ask me if i would like to pay the fee after the initial time that would be fine but to charge you to get your FICO score and make it a trial membership so you are actual paying almost {$25.00} for this info is deceitful. Integrity is paramount for anyone that is managing peoples credit and they have clearly shown a lack of it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying mortgage payments for my XXXX XXXX prefab home in a trailer park, to Green Tree since XXXX which is a 25 yr loan at 12.9 %. 
XXXX XXXX I became XXXX with XXXX XXXX which has made it difficult at times to make payments on time. After many phone calls from XXXX, with threats they will short sale my home, I have borrowed from family members. I asked how much the payoff is and was told {$29000.00}. On a {$39000.00} loan! How can that be when paying all these years I asked and was told with interest, fees and other charges. I could n't get straight answer. I stated my monthly statement does not show anything like that. Also was making normal monthly payments that includes home insurance only to get letter from Green Tree and Insurance Co. stating I was XXXX months behind in insurance premiums. I am so ill this stress is exasperating my illness. I have begged them for help and nothing they can do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX 1 ) I, XXXX XXXX XXXX, never received services from XXXX DENTAL CARE the reporting client of this collection agency. This is not my account and is not for charges I incurred. This is not my dental care provider, has never been, and will never be such. 
( 2 XXXX The patient who received care is XXXX XXXX. XXXX XXXX is an adult, not a minor child nor a dependent of mine. XXXX XXXX is covered as a member under my health insurance, but as the enrollee in the insurance, I am neither required or responsible for payments for health care service received by the family members covered under my health plan. 
( 3 ) I never signed as a guarantor of payment on the account for XXXX XXXX. This company is attaching this to me simply because I am the enrollee in the health plan. Federal law allows me to add eligible adults to my plan, but does not mandate me to be responsible for the costs incurred by those covered. * ( 4 ) I have repeatedly told the staff at the collection agency and the dental office that this is not my account ; I have provided them with the contact information for the adult patient that received treatment ; and have provided documentation that these services were not received by me and as the enrollee for the insurance, I have no responsibility to pay someone else 's bill. 
The item is being reported to the XXXX credit reporting agencies from CENTRAL CREDIT SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and is inaccurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've called this company at-least two times a week. They will not give me a proof of my bill. There 's never a manager available, They wont even work out a payment plan with me. This student loan is causing a hold on my student account which means I can not transfer to any other schools to further my education. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan Care was servicing my mortgage for The XXXX XXXX who I have my mortgage with. Apparently, they severed their relationship and a notification was sent out that the address had changed to where I was to send my mortgage payment. I did not receive the correspondence and have continued to pay my mortgage electronically through my bank. This month XXXX XXXX 2015 ) I received a collection call from The XXXX XXXX for XXXX 's payment. I paid my mortgage payment on XXXX XXXX, 2015, and because of these XXXX companies terminating their relationship my check was cashed by Loan Care and they will not release my funds until I provide them proof of payment from my bank. How can an organization XXXX Loan Care XXXX cash a check that they knowingly shouldnt? Shouldnt they reject the payment? Now, I must take my time to fix these XXXX companies issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: We refinanced our mortgage in order to switch from an ARM to a fixed. We were given paperwork showing that our new mortgage company would be XXXX XXXX XXXX XXXX XXXX Mortgage and that our first payment was due on XXXX/XXXX/2015. We used an ACH transaction to pay the first payment on XXXX/XXXX/2015. We have documentation from our bank, XXXX XXXX XXXX, that the transaction was sent and that XXXX Mortgage received it. 

On XXXX we received a letter from Shellpoint Mortgage stating that they now owned our mortgage effective XXXX/XXXX/2015. This was 17 days after we sent our first payment. They advised us to not send the XXXX payment to XXXX and to send it to Shellpoint. The payment we sent does n't show on either company 's website for our account. We 've called both companies to try to get the payment corrected but unfortunately, neither company will assist us in this process. When we call XXXX they tell us that the request to transfer the funds must come from Shellpoint. When we call Shellpoint, they tell us that we must call XXXX and arrange the transfer ourselves. after numerous calls to each entity, we keep getting shuffled back to the opposite entity. 

In the meantime, we are currently listed as late for our XXXX payment and have no way of retrieving the funds from XXXX so that we can pay Shellpoint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a lawsuit against SPS Inc. ( Select Portfolio Servicing ) for predatory lending, I have been trying to get a fair loan modification and have been unsuccessful. In XX/XX/XXXX I submitted XXXX requests for loan modification TO SPS and was turned down each time. Then I hired an attorney who found fraudulent conduct on the part of XXXX ( original lender ), XXXX and SPS ( who now services the loan. When my lawyer filed the lawsuit, I suddenly received a trial loan modification from SPS, but it was very vague and was not a good deal. And I refused it. I had already suffered at the hands of XXXX with many lies and fraudulent behavior. In XX/XX/XXXX I was in foreclosure and XXXX told me if I could start making payments each month plus extra to catch up my past due payments, I would be okay. In a 5 month period I paid XXXX {$17000.00}. On the 6th month when I went in to make my payment, I was told they could not accept my payment because I was in foreclosure. I was in total shock! From that point on I did not trust anything they told me. Then my loan was " sold '' to SPS. When I called they said they were servicing the loan for XXXX. I did not accept the SPS modification as I did not trust them. There was nothing guaranteeing they would adjust my interest or principal. There were all kinds of late fees, etc added onto my loan balance. SPS. I was paying a lawyer every month to work this out for me ... but to no avail. My house is now scheduled for Trustee Sale on XX/XX/XXXX. I DO NOT want to lose my home. I am at a loss and do n't know what to do. PLEASE HELP ME! 

Company response: Company chooses not to provide a public response
Consumer complaint: I declared Chapter XXXX bankruptcy and the servicers of the student loans were included in the discharge. Regardless of " type '' of loan. The document says they were discharged. It does not specify that the loans were student or not, but a minor disclaimer is all that is included. It is beyond unclear, and this is reaching a territory that is creating a very difficult situation. I am thinking of never working again because of the legal process in place. 
This uneven and unequal economy progress has left me without a decent job, and has made it difficult to find any faith and trust in repayment of the studies that I am coming to realize are for me to act as a slave to your economic engine. 
I am becoming quickly an enemy of the state and am now looking into which nations I can go to and claim financial burden as a reason to seek asylum. It will end the dynamic relationship of my family moving to this country over the years, but at this point the unrealistic expectations set by federal policy and not protecting citizens has essentially established a poor state, and this is violating my constitutional right. 
I need assistance, support in clarification and I am demanding the support needed to redefine the rule under which student loans are managed. 
Discharge should be available just like every consumer loan. Student loans do n't always pay tuition. In my case my debts paid for my housing, my food, and other related expenses while I was studying. They are more like consumer loans and they should be discharged as such, but due to the excessive cost, confusion, and the downright cruel and unusual punishment based on the lack of access to the necessary body I am finding that I hate my government and under my own constitutional right will sign for any and all access to foreign government agencies to government and protect me under their rule of law vanquishing the territorial control of the US, it 's leaders and the constitution that is governing this, thus establishing unjust policy. 

I lost my job in XXXX, I have been dealing with XXXX, and am at a point that I have no faith and trust in the workplace, and in the US Dollar. I am at a point that I declared bankruptcy because I felt overwhelmed and incapable of repayment. As student loan debt is permanent, I have grown frustrated further and have given up on furthering my education, and am not going to work anymore because it is a taxation on me through interest that is paying a public loan servicer. This is a huge violation of the constitution and I do not care what punishment is part of it. The politicians and banks are in collusion against the taxpayers. Thus, I am not paying back anything now. I will declare a civil war before I do. Thus, I will be XXXX, and will request international guidance and their involvement to restrain the XXXX Government against genocide of those seeking to elevate their knowledge to build a better life and that the Republicans and rich sought to destroy the potential growth of the economy through usury. 
XXXX nation. Especially now. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number.. 

Company response: Company chooses not to provide a public response
Consumer complaint: A late payment that 's more than seven years old 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for Bankruptcy on XX/XX/XXXX and Transunion is reporting an account late and charged off, since the bankruptcy and subsequent discharge on XX/XX/XXXX. I have disputed this information over and over with Transunion and they have failed to update the information accordingly. This account was NOT charged off prior to filing of bankruptcy and their should not be late payments reported once I have filed the bankruptcy. Furthermore, the status should reflect included in bankruptcy with a XXXX balance and no payment due. 

XXXX # XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast Payment Made : XX/XX/XXXXXXXXh Balance : $ XXXXOriginal Charge-off : $ XXXXCredit Limit : $ XXXXPast Due : XXXX ; {$320.00} XXXX ; Pay Status : XXXX ; Charged Off XXXX ; Terms : Paid MonthlyDate Closed : XX/XX/XXXX XXXX ; Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX XXXX ; 

Company response: Company chooses not to provide a public response
Consumer complaint: In violation of FCRA, the above mentioned credit report by Experian, a section of " Requests for credit history inquires shared with others '' contains name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt:1. XXXXXXXX XXXX XXXX XXXX XXXX2. XXXXXXXX XXXX XXXX XXXX XXXXExperian should explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes. 

Company response: Company chooses not to provide a public response