AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Greentree ( now Ditech ) says they are not responsible for paying my home 's flood insurance policy, although it 's always been set up as a mortgagee-pay for that. Complicating the matter is my mortgage loan was transferred from XXXX to XXXX, who transferred it in XXXX 2015 to Greentree ( nka Ditech ). Prior to XXXX 2015, XXXX and XXXX made the annual flood policy payments. However, Greentree/ditech says the loan they rec 'd from XXXX does n't make them responsible for paying the flood policy. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: National Credit Systems is claiming I owe {$1000.00} to XXXX and reporting it to my to my credit history. I have never been told about this debt by either XXXX XXXX on the Debt Collector even though they have my phone number and address on file. I called the apartments and was told to contact the collection agency. I called the collection agency and was told the debt was sold to The Law office of XXXX XXXX XXXX XXXX XXXX, XXXX. I called the Law Office on XX/XX/XXXX at XXXX and asked to be sent written notice of debt with proof. It has been over ten days now and I am aware that under the Fair Debt Collection Act, I am entitled to this information 5 days from the date I was in contact with the collector. I would like the debt collector and Law Office to please correct the mistakes they have made. I have yet to receive any paperwork stating why I owe this debt, why it was opened 6 months after my lease ended with XXXX XXXX, and what my rights are. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Transunion fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
XXXX continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bureau is reporting an account with XXXX a student loan supplier as being over 180 days late ... .account has been in deferment for a number of years and has never been late, yet they claim to have validated the debt which I previously supplied documentation showing that it has been in deferment and never late. The derogatory information being supplied by Transunion is completely inaccurate, I want all derogatory items removed immediately because they have NO first hand knowledge of any of those accounts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Vision Financial keeps calling me from different XXXX Oregon phone numbers and the last one came on XXXX/XXXX/16 and left a message on my cell phone saying to call the company in regards to a debt. Did not say what for or even an account number. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit score dropped from XXXX last winter to XXXX. I did n't know what could have been the issue since I pay my bills on time each month. I ordered a credit report and learned that XXXX XXXX who issued a credit card to my XXXX year old unemployed son two years ago reported to TransUnion and XXXX that I was delinquent in paying a credit card bill. I never applied for a card from XXXX XXXX, my son applied without my knowledge. My son was not employed on a regular basis when he received the credit card. He could n't find a full time job and has now returned to school to get a XXXX degree to try and find employment in his proposed career. He has been unable to pay off the {$1000.00} debt he incurred as a result of his unemployment status. XXXX XXXX sent offers to my home address regarding paying off the outstanding balance at a reduced amount. I suggested that he authorize me to negotiate on his behalf since I did n't want him to impair his credit which could negatively impact his job prospects. I had no knowledge that by doing so the bank would add me as a borrower and report the delinquency on my credit report XXXX. I called on his behalf and was unable to negotiate anything since the bank insisted the debt be paid off within XXXX months. I told them he could repay it within a year after completing an unpaid internship that is to hopefully lead to a paid job. I knew he did n't have the financial means to pay off the debt currently. I told the bank official I did n't want to pay off his debt since it would n't teach him a financial lesson. My refusal to pay off debt my son incurred on a credit card he should not have been issued resulted in XXXX XXXX reporting the delinquency as mine. I have spent years maintaining excellent credit and pay my bills on time and in full each month. The actions XXXX XXXX took by reporting my adult son 's delinquency as mine is wrong. I would like this investigated and would like XXXX XXXX to withdraw the negative credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX acc # XXXXExperian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX 2000. 


I recently submitted a request for investigation of an Acct Number : Account name : XXXX Account number XXXX .... 
Account name : XXXX PAYMENT SYSTEMS Account number XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXXXXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a mortgage refinance and Loan Depot pulled my credit three times : On XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. This has resulted in a major drop in my credit score. What can be done about this? I purchased a car and they pulled my credit two times! Unbelievable what impact this had and will cost me in additional interest now that I am trying to purchase another home! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got a loan with Ally through a XXXX dealer and after a couple months I wanted to send in a extra payment to go towards the PRINCIPAL ONLY so I called and ask how this was done. The rep on the phone told me to make the payment and to call in after it was posted to have it applied to the principal. Which I did and the person on the phone said it was done. I logged into my ally account and they still pull out the interest out of the XXXX sent in. 
I have called 3 separate times and asked to speak to a supervisor ( 2 of those times they said someone would call me back ). Now 3 days later ( still no phone call back ) I called again and finally spoke to a supervisor. Went round and round with someone I could barely understand, he kept saying the same thing. " That is the way we do it '' then asked for an e mail address so I could file a complaint with them. THEY COULD NOT EVEN PROVIDE THAT!!!! 
So now my next payment is not due for another 3+ months because they wo n't take a payment towards the principal! What a joke!!! 
This company is a complete SCAM!!!! 
I will either pay this loan of this week or refinance it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Every year I am forced to spend several months getting my mortgage processing co. to acknowledge my insurance. There seems to be a scam that involves them buying insurance and billing me through escrow. The mortgage company must make a lot of money placing these policies. I live in a XXXX. The Association has flood insurance and the agent and policy has not changed. The information is on line. The mortgage company is named on the policy. The agent contacts the mortgage company and I continue to get letters saying I have no insurance. When you call them, there is always a mistake. The information was n't processed, somebody did n't enter the information properly, etc. It seems that they are trying to wear you down and if you do n't have the time or energy to go through XXXX calls waiting on the phone for an hour or so, then they win. My condo agent, the insurance agent and others all are aware of this scam. Other people must be going through this as well. This year, they sent a letter saying I did n't have homeowners insurance even though they pay the policy directly with escrow money. They are polite during the phone calls. They promise to correct the mistake, but it takes three months every year to get them to cancel the policy or enter the correct information. You know that they are counting on a certain number of people who do n't follow up and get scammed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX Policy # XXXX Retired Employees of XXXX XXXX CountyXX/XX/XXXX Teeth cleaning with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX issued check to XXXX XXXX {$90.00} for service. XXXX XXXX does not receive check. 
XX/XX/XXXX I obtained copy of cashed check from XXXX and forwarded it to XXXX XXXX. The check had been cashed by California Bank and Trust, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX filed an affidavit with XXXX for non receipt of check. 
XX/XX/XXXX After checking with their security department, the California Bank and Trust manager instructed me to have XXXX XXXX file another affidavit with their bank. He filed the XXXX affidavit. 
XX/XX/XXXX I met with XXXX XXXX XXXX, Manager XXXX ( XXXX ) to follow up on the status of the affidavit. She determined that XXXX had failed to notify us that no action was being taken on the affidavit because XXXX XXXX was not a customer of XXXX. She found the cashed check electronically and their customer who had cashed it. She would not release the name of the customer to me. Since XXXX had accepted the check without verification, she agreed that the transaction was either an error or fraudulent. I requested that XXXX write a check for {$90.00} to XXXX XXXX and debit their customer 's account. She refused. 
XX/XX/XXXX I have had many conversations with XXXX XXXX, XXXX XXXX XXXX, XXXX ext XXXX. As of this date, action on XXXX XXXX 's affidavit is apparently still pending. She was unable to provide a case number from XXXX XXXX bank who issued the check. 

Company response: Company chooses not to provide a public response
Consumer complaint: During the month of XXXX XXXX i purchased XXXX prepaid sim cads for XXXX telephone lines from XXXX. XXXX for me and other XXXX for my wife and XXXX daughters who was supposed to come to USA in XXXX XXXX. Since only my wife and XXXX daughter came Subsequently I spoke to XXXX and got XXXX line cancelled. Since i found the XXXX was very expensive in month of XXXX I spoke to XXXX and got other XXXX lines also cancelled .Their after in XXXX of XXXX XXXX i received the final bill from XXXX. Before I make the final payment of {$60.00} I contacted XXXX and inquire about the final bill ask is their any money that that I owe to XXXX the representative confirmed that {$60.00} is only amount due. I made this Inquired in the past too some years before I had same type of claim of claim from XXXX which I paid in vain.I paid the final bill by cheque and sent under certified mail.The final payment cheque has been realized from my bank a/c Their after later part of the year the XXXX credit reporting company inform me that my personal information provided to XXXX has been hacked. 
In XXXX XXXX XXXX i received a bill from XXXX for an {$240.00} as amount due to them. I immediately contacted XXXX and informd the hall story. The Representative confirm that its a hacking story story is true and its frodulant matter and she will forwrad case to the special comeete set up for and that they will contact me. Since they did not contacted me I contacted XXXX XXXX dyes XXXX XXXX and XXXX/XXXX/XXXX both days they informed me that they will contact me but they never. 
XXXX/XXXX/XXXX I received a letter from collecting XXXX named south west credit demanding me to pay & XXXX.I contacted XXXX again on XXXX/XXXX/XXXX they said that they need to open my a/c wanted my pin no. Which i could not remember, They said they will send me a temporary pin still I have not received yet. The collecting ajancey contacted me several times and demanding the payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was divorced and the court made me sign a quit claim deed for the house over to my ex-wife. The VA loan on the house was in both our names. MY wife did not pay the house payments for over 2 years. Foreclosure papers we sent but my ex-wife kept them from foreclosing somehow. She moved out of the house. The bank again sent foreclosure papers. I contacted Wells Fargo to see how I could refinance the VA loan on the house to stop the foreclosure. I was informed by XXXX XXXX ( the sole holder of all the mortage information from Wells Fargo ) that a cease and desist order was placed on the account ( XXXX ) and he could not discuss my loan with me until that was removed. I ask what I could do to remove it. He said send me a letter asking for it to be removed. I faxed it over more than once. After sending this request I was unable to reach XXXX even after multiple phone calls ( leaving messages after each one to call me back ). The fax asked him to call me back. No response. I then tried to talk to anyone at Wells Fargo mortgage department as time was getting very low. Nobody could talk to me as XXXX was the only one I could talk to as the account was assigned to him solely. Eventually the house went to foreclosure and was sold for less than what was owed. I am a XXXX veteran ( XXXX ) I deserved to be able to try to refinance this house. Now I owe more than I can repay. Is this legal? What can I do about this? Thnak you. XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Our mortgage servicer failed to pay our XXXX property taxes on time. It took over a month of multiple emails and phone calls to get the taxes paid, even though the money was in our escrow account. After paying the taxes over 4 months late ( we only realized they were not paid after XXXX XXXX sent us a notice of intent to lien our property ), the servicer sent us an updated escrow analysis that increased our monthly escrow payment, and incorrectly included our sanitation/solid waste fee in the analysis. The analysis also included a revised payment amount effective XXXX/XXXX/XXXX ( which increased payment has been paid ). I contacted the servicer on XXXX XXXX to let them know the solid waste fee was improperly included, and provided proof that the fee has been paid out of pocket, not through escrow. They initially responded via email stating that the fee would be removed and we would receive a revised escrow analysis and monthly payment amount within 9 business days. As of today, XXXX/XXXX/XXXX ( almost 2 months after initial contact ), we still have not received a revised statement. I have followed up multiple times in writing, to which I received XXXX response basically stating they had changed their mind about removing it because it was " set up at closing ''. This is also inaccurate, and I provided them a signed copy of our escrow account disclosure from closing which only included XXXX Taxes and Insurance. I have followed up multiple times since providing this information, and still have received no response. On top of the non-responsiveness, the servicing department only has a generic " servicing '' email, so you never have a name or email address of an actual person to even know who has emailed you or who you are emailing. Additionally, if you call customer service, they can not provide you with a name or contact information for an actual person who handles escrows, they only state that they can " put a note in the system '' and escalate it to the escrow department. I contacted them in ample time to get this taken care of before our increased payment went into effect on XXXX, but since it has not been resolved, we have now had to pay the increased payment amount that wrongly includes escrows for solid waste and sanitation. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I noticed that my mortgage company - Shellpoint Mortgage New Penn Financial ) - did n't paid my 2015 property taxes to XXXX County Tax Office, XXXX NC. As a result the status became delinquent and I'am very concern that, this negative information may damage my credit. I contacted my mortgage company and they said, the taxes were disbursed on XXXX XXXX, 2015. Why then it does n't show on the County Tax website? I sold my house recently, and at the closing, the attorney informed me that my property taxes were not paid by Shellpoint Mortgage and as a result the closing attorney office will hold the check for the property taxes until it show that are paid. What should I do? Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am the Co-Executor of my Mothers estate. My Mother had an IRA account with Bank of America. She had this IRA since at least 1992 and always banked at the same small branch in XXXX, Connecticut. The branch was taken over several times between XX/XX/XXXX-XX/XX/XXXX and is now Bank of America. Despite there being XXXX totally consistent beneficiary designations with the predecessor banks being located- XXXX located by Bank of America in its own internal files, Bank of America refuses to honor them -- saying that they will only honor a beneficiary designation directly with them. In addition to the XXXX beneficiary designation forms, I have notes by my mother consistently reasserting that I am the sole beneficiary. 
Also Bank of America has consistently intentional or just negligently given me misleading and false information. The second beneficiary designation was located by them only after they had repeatedly represented that there was No such record. They have also incorrectly ( intentionally or negligently ) represented that there is no detriment since they are willing to pay the IRA to the Estate. The Bank should be aware of the detrimental tax consequence of the payment to an Estate rather than a person beneficiary -- even if ignorant they should at least not make false statements on which their depositors may rely to their detriment. My mother was not a wealthy woman ; she carefully saved her money and meticulously set up her accounts in accordance with her wishes. Yet now, the Bank is looking to VIOLATE her wishes and her accounts! Additionally, since there are other beneficiaries of the residuary estate, clear, contrary to the Bank 's rep payment to the Estate is very different than payment to the individual named beneficiary. 

My mother was already aged XXXX at the time of the Bank of America takeover and XXXX when she died and she consistent banked at the same small branch.The Bank 's position seems to be that that it was somehow her responsibility to make sure that Bank of America still had and did not lose or misplace her Beneficiary Designation. Likely, this is a frequent problem with Bank of America -- the only difference here is the careful records that my mother kept and my relentless pursuit to correct the situation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX and Experian are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. {$93000.00} this is what creditors see when I apply for credit that I have an outstanding debt of {$93000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response