AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: SLS is the servicing company for XXXX bank. Supposedly, XXXX owns my XXXX mortgage which originated with XXXX XXXX. I have been unable to complete a refi on my home due to a negative title search which shows XXXX as the loan holder. I requested the required documentation from XXXX and was told that SLS has to provide the paperwork. I made numerous phone calls and written requests to SLS. They were rude and deceptive. They lied and gave me the run around. They sent me the copy of my original contract with XXXX, which did not show transfer of the loan to XXXX, more than once, in an attempt to placate me, even after I made them aware of their " mistake ''. I made XXXX written attempts. They made me wait the legal limit of 30 days and have yet to supply me with the proof that I requested, the proof that I am entitled to by law. I feel my legal rights have been violated. I think they are purposely trying to stall me with misleading information because they do n't want to admit that they can not produce the documentation I have requested. I am losing approximately {$200.00} a month each month the refi gets stalled. They have not shown any professionalism or compassion. They have yet to take any responsibility and refuse to be held accountable. Customer service reps have out and out lied to me, which I can prove, as XXXX of the calls was a XXXX way conversation in which the customer service rep stated he had the documentation, other documentation than what was already sent to me, and that he would get it right out. When I did not receive it, I called back. I spoke to a supervisor, who would not allow me to speak with the customer service rep, even though I had his name and ID number. She said she spoke to him and he denied saying he had other documentation. I asked her to pull the tape. She stated " she would, but it was not going to be any time soon ''. I never heard back. I did call the rep from XXXX back, who initiated the XXXX way call, and he confirmed what we had been told. SLS has a long history of complaints. I can see why. I do n't know why a company like XXXX would choose to be affiliated with a company like SLS. I have no choice, but I am literally XXXX,. I can not get my refi done, through absolutely no fault of my own, without XXXX and that does not look like it is ever going to happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: As a part of an agreed contractual agreement, the account was paid in full and specifically negotiated with the company, that the negative item would be permanently removed from all reports ( Transunion, XXXX, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX from XXXX called and stated that my check did not go through. I told him that I apologized and that this bill is not the only XXXX. I had XXXX other checks not go through but the money was there. I do n't not carry my debit card on me.. I told him that I was going to call the bank and see what is happening. He said exuse me. Phone line then got disconnect. Meanwhile he is calling me while I am at work. He called XXXX times demanding to speak to my boss. He wanted his phone number and demanded that he speakes with him. My coworker stated that I was unavailable and that he need not to be calling a business and clogging up phone lines.He then called my dad stating that he was going to have me arrested for writing a bad check. and I had till XXXX to get back to him. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have placed an initial fraud alert with the credit bureaus since I have been the victim of identity theft. Experian will not give me a credit report for free as the victim of fraud. They either direct me to a page to pay for my report or to XXXX.com. Since I am the victim of fraud I am due a free report without using my free annual request. 

Company response: Company chooses not to provide a public response
Consumer complaint: The original creditor, Wells Fargo Bank, sold my debt to a collection agency, and I paid the debt in full in 2011. The agency correctly reported the amount paid in full to the credit reporting bureau - however, the original creditor shows the debt as owing and 'late. ' I contacted Wells Fargo and they refuse to remove the debt from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the e-mail that I received, I want to know if this is legit -- Original Creditor : Advance America ( Cash Advance ) Subject : Unpaid debt of Advance AmericaFile Number : XXXX : $ XXXX ClientWe regret to inform you that due to your unpaid debt amount of {$570.00} to Advance America ( Cash Advance ) from today we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense. 


We still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of {$570.00} in full before end of the day, we will have no other alternatives but to undertake court actions against you so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you so I am sending you a final notification EmailAs we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that 's the reason we have decided to give you chance to take care of this issue outside the Court without having a negative report on your Credit History and Social Security Number. 


We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. 


We still trust court actions will not be necessary and look forward to receiving payment by return. 


If you wish to settle the outstanding amount or if you have any questions regarding the current situation please do not hesitate to send us an XXXXXXXXXXXX are sure the problem will be solved soon, as we have no doubt in your cooperation. Federal law requires us to notify you that this is a communication from a debt recovery corporation. This is an attempt to collect a debt. Any information obtained will be used for thatYours faithfully, Department of Cash advance America 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: USAA Bank is taking my XXXX wife 's Social Security be'tnefits to cure a debt they claim she owes from an account she held individually. the benefits the are attaching are direct deposited to an account she ca n't touch, I, her husband am her Repersentative Payee, the title of the account is XXXX XXXX, Representative Payee for XXXX XXXX. so not only is USAA unwilling to listen when I tell them they can not attach social security benefits to cure the debt they say she owes, they are also taking from an account that was designed to protect the finances of a person unable to manage their own, which is my case. My wife can not handle her own money, I pay her obligations and allocate funds to her so she cant get herselfin trouble. USAA 's resolution executives refuse to listen when they are informed they can not take her benefits that are direct deposited to her representative payee account to cure a debt from her individual account, please help? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX XXXX XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account with XXXX XXXX in XX/XX/XXXX. I closed the account XX/XX/XXXX. I NEVER had a late payment and was assured of this when closing with confirmation and receipts. I was also assured that I would n't receive a penalty for closing because there was no contract. In XX/XX/XXXX, I began receiving bills saying I owed {$360.00}. I called to clear the matter and was told that my debit was incorrect and I was to be OWED {$230.00}. I have never received that amount and noticed FALSE REPORTING on my credit report. Every time I call customer service, I am told I am owed {$230.00} but the account is still " processing ''. I am told that a manager will call me back but I have never been contacted to clear up XXXX mistakes and false credit reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm receiving repeated phone calls to my cell #. They identify themselves as Reliant Capital Solutions, then ask for me to confirm personal info ( SSN, DOB, current address ). I 've told them I wo n't confirm or provide information unless I have a valid reason to do so. I 've asked the purpose of the call, and they continue to refuse to provide any info ( including what kind of firm they are, any money I might owe to anybody ) unless I confirm my SSN and DOB - which it seems they already have. I contacted the Ohio Atty General 's office and have filed an official complaint. The AG 's office told me they have a " significant '' # of complaints filed against them. I also pulled my credit report and score ( I have excellent credit with a score over XXXX ) and nothing is noted. I asked to speak with a manager and XXXX XXXX at Reliant also refused to provide any info about why they 're calling unless I provide them with personal info. When I told XXXX XXXX I did n't know why they were calling, he said, " You know why we 're calling ''. I googled Reliant - they 're a debt collector. I went to their XXXX, OH office yesterday ( with my checkbook ) and offered my driver 's license as proof of identity and they refused it. I 've checked with any creditors I might owe money to and nobody 's reporting I owe them anything. I 'm happy to pay anyone I might owe money to, but if I do, Reliant is delaying this process and preventing resolution of this issue. I also contacted local XXXX TV investigation team yesterday, they tried to speak with Reliant 's attorney ( who I 'd spoken with ) and she refused - she ran away! Reliant has said they 'll send me a letter with details. The XXXX team told me Reliant has given {$65000.00} in campaign contributions to Ohio 's Attorney General. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage company failed to provide me with sufficient notice prior to foreclosure. Only notice received was notice of foreclosure which was less than 37 days prior to foreclosure. I did not have time to submit loan modification documents in time nor dispute said debt. Once I was notified of foreclosure date I immediately sent in a complete loan modification package and was told it had to be submitted 37 days prior to foreclosure. Under the fair credit practice act Rushmore should had notified me at least a month prior to foreclosure action to dispute said debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX PayPal accounts. PayPal restricted both accounts on XXXX XXXX, 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait ti out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$830.00} in it. The other account is XXXXXXXXXXXX. It has {$40.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SIGNED A LEASE WITH AN APARTMENT COMPLEX BECAUSE THEY SAID THEY WERE PET FRIENDLY, TWO DAYS LATER I TOLD THEM I WAS BRINGING MY DAUGHTERS DOG IN AND THEY ASKED WHAT KIND. AFTER I TOLD THEM THEY SAID NO - I SAID THAT THEY SHOULD HAVE TOLD ME THAT UP FRONT AND TO JUST TEAR UP THE LEASE AND I WOULD GO ELSEWHERE. THEY SAID THEY NEVER DO THAT AND THEY WOULD SEE ME IN COURT. I LEFT AND THEY KEPT ALL MY DEPOSITS AND LEASE,,,, ALL I WANTED TO DO WAS LEAVE BECAUSE THEY LIED,, THEY KEPT MY MONEY AND TURNED IT IN FOR COLLECTION 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a Genesis loan to cover my last semester of my XXXX degree with XXXX University. I do not currently have a job and keep telling Genesis that but they continue to call me daily, badgering me to pay my loan. It is very annoying. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a refinance with this bank based on Radio commercials calling for a XXXX refinance. The issue I have was that theyrequire you to fill out a mortgage application and require you to pull your credit, PRIOR to requiring you to pay the nonrefundable XXXX fee. I contacted XXXX XXXX who put me in touch with her Manager XXXX XXXX XXXX XXXX regarding themain issue is the fact that they require you to pull your credit prior to disclosing the fee. I would have never have givenpermission to pull my credit if I had know the fee was non refundable and up front. Credit Inquiries affect credit worthiness andcould affect me being able to get a mortgage at a competitor. I asked him to write a letter to send to the credit bureaus to removethis inquiry he refused. He also refused to do anything in regards to either making the fee payable once the loan is all approved orroll it into the closing cost. This structure almost forces a customers hand to go with them since they have already dinged creditand forced them to pay the XXXX. I have an issue with the fact that they were just no helpful and they just chalked it up to this howour system works. They should have to disclose the fee prior to filling out the application NOT the very last screen since theyhave already pulled credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I acquired a Macy 's card in XX/XX/XXXX of XXXX, in XX/XX/XXXX XXXX I joined the XXXX XXXX and I 'm currently serving at XXXX XXXX NY. As a member of the XXXX my interest rate on my card should be 6 % or less, because of the ( SCRA ) Service Member Civil Relief Act, but it 's currently 24 %. In XX/XX/XXXX of XXXX I contacted Macy 's explaining the matter to them and send all the necessary paper work showing that I was in the XXXX for the past XXXX years. Since then I contacted Macy 's, and was given the run around, even to have the phone hung up XXXX of the times I called. Finally, they told me that it will take XXXX billing cycles to fix the matter, up until now, nothing have happen, no phone calls like they said or even a letter in the mail. I 'm financially struggling and need help in fixing this problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi I sent a letter experian on the XXXX of XXXX 2015 disputing a negative item on my Experian report.I received a letter from Experian on the XXXX of XXXX saying they received a suspicious request regarding my credit report and determined it was not by me so they did not proceed with my request ( to reinvestigate the validity of the negative item and have it removed from report ) This was a way of stalling my request and keeping my credit score low.They told me to call them if I wanted this investigation to take place to call them.I called them on the XXXX of XXXX 2015 and verified that I had indeed sent in the request to investigate the negative and they assured me that they would do so.They didnt in a few days I received a letter saying it had already been investigated and they would not reinvestigate.These are stalling tactics and are discriminating against me making it impossible for me to get incorrect negative information removed from my credit report.I am sure its not the first time Experian has used these tactics and I want consumers to be aware and not to let Experian get away with these stonewalling tactics against individuals who have a right to ask the credit bureau to reinvestigate a negative item and remove it from their credit report if it is not verified within a 30 day period. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 at approximately XXXX, I received an email from Bank of America or what appears to be Bank of America . The email states that after calculations of activity with the bank they determined I was eligible to receive a fees refund of {$300.00}. They wanted me to submit the refund request and allow them 3-5 days in order to process it. They stent a Refund Form that was attached to the email, I was to open it in a browser and follow the instructions on the screen. 
The form asks for User Information which consists of a online ID and password, billing address, full name, social security number, date of birth, address ( if different from billing ) city, state, zip code, mobile number, and card information credit/debit, the code verification number ( cvv ). It gives you the fees refund {$300.00} usd. Then they want you to use your email address registered with them to confirm a security verification with your email password. 
I called Bank of America because I do n't have any accounts or credit cards with them to confirm. The representative was very helpful with informing me there was nothing in there system with my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it XXXX Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in XXXX in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have had several problems with them ( Select portfolio servicing center ) over the years but the most recent problem is we were trying to get a Home mortification done, and we have started atleast XXXX of them. I have made my payments on time then after the trial period is up then start sending our checks back uncashed and start foreclosure again. Have many fees unexplained. We have had nothing but trouble from them in the last XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a XXXX of XXXX University. XXXX of the XXXX Colleges. I did receive a relief of my student loan that I took out with Genesis Lending in 2012. They made me take out an additional loan in order for me to graduate. Please can you assist in this matter. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This account has been paid. I contacted the original creditor and verified a zero balance. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: After my mortgage was sold to Bank of America from XXXX, my husbans lost his job in XXXX. We filed bankruptcy XXXX of XXXX and included this loan. It was discharged XXXX/XXXX/XXXX. In XXXX of XXXX, Bank of America sold my mortgage to XXXX as a loan modification. Knowing that our bankruptcy was finalized and discharged in XXXX. Now, 4 years later, we are unable to purchase a house because XXXX had our names on this property until XXXX XXXX, XXXX. How can a financial institute sell your mortgage after a discharge? 

Company response: Company chooses not to provide a public response
Consumer complaint: a representive from sallie mae named XXXX called both my wife and mother about a loan and informed him who he was and what he was calling for from number XXXX ext XXXX his ID # was XXXX. he left messages that he was calling about collecting a debt on the loan. my concern is that niether of them were associated in any way with the loan because I was only a cosigner for my daughter 's student loan. 

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