AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have an issue with my XXXX line of credit. I was paying through a joint account that I have with former spouse. We got into it and the Navy Federal account with over the limit. I was in constant contact with Navy Federal, I continued to make payment and the account was finally brought current. Then I called to check the status and was advised it was current but the account was frozen and they are not going to unfreeze it. I was NEVER notified. Had I known this I would have borrowed to bring it current sooner or something and when I call they are rude and unhelpful. Then the tell me that I was notified and I was n't I asked for a supvervisor/manager to listen to every single call and tell me when I was notified and to call me back. I have yet to hear anything aside from reapply. I do n't want to reapply my credit score has tanked because of this, so why would I reapply. Prior to XXXX I aside paid on time. I just want the current XXXX unfrozen. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sir, I am REQUESTING COPIES OF THE FOLLOWING DOCUMENTATION : 1. OFFER LETTER OF Treasury 's Home Affordable Program ( HAMP ) by SPS on XXXX XXXX. 
2. OFFER LETTER OF modification resolution offered by XXXX, XXXX XXXX XXXX on XXXX XXXX. 

SPS contacted me 3 times on XXXX XXXX ; urging/pushing me to switch to a " New program which I qualified for and would better suit my case!! ". The new program was the National Mortgage Settlement modification. NEVER, during any of the phone conversations did the representative provide me information of a HAMP offer on the table. Nor did I receive any documentation by mail of a HAMP offer. Contrarily, the response was that my loan modification was still under review. 
NONETHELESS, my understanding was that my account would be reviewed for ALL and/or ANY program available to assist me in saving my home. 

Respectfully, SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations. 


SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Contacted company requesting debt verification but company did not respond to request. I did not have an outstanding debt with XXXX. XXXX went into my account and took money and ended up having to give me a credit. They solicited me to get service back and I refused. Had no knowledge of debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX, XXXX and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Documents were sent to Bank of America on XXXX XXXX, 2016 for a request for a modification review of the Making Home Affordable Program. 
When a call was placed to the Bank of America on XXXX/XXXX/2016, XXXX at BOA stated all docs were in and nothing need at this time. She also advised that the file was moving to underwriting for a decision. 
Another call was placed on XXXX/XXXX/2016 to BOA where a representative named XXXX XXXX proceeded to go over requested documents from XX/XX/XXXX. After she was advised that documents were sent in on XXXX XXXX, 2016, she stated that a review of those documents had not taken place yet. No documentation were sent about missing documents to complete a review. The documents have just sat in the possession of Bank of America with no action. 
Per the regulations of PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) 1024.41 Loss mitigation procedures. Per the regulations of Regulation X the lender is required to review the documentation as long as it is received 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete ; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. 
They are not following the appropriate procedures of a loss mitigation review. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have asked XXXX for an invoice several times now and the company says they can not provide one to me. The debit is from 2013 I do not remember having an account with XXXX during that time. I know during that time someone stole my identity and I did place and social security alert and froze my accounts and changed bank accounts. Perhaps this was the left over result of that, I do not know if I do owe then I need to know why I owe {$280.00}, if I for some reason I do owe. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Deposited {$13000.00} into account from my retirement service and they are holding the funds for 11 days even though the check issuer, XXXX bank says they can clear immediately if they contact them. I called my bank USAA and they said there is no way anybody can release anything that is an automated process and it determines itself the time to release funds. Are we not human anymore? I am facing eviction and that is the only reason I took money from retirement. This is abusive and it clearly shows how wrong the system is. They will keep that money until they legally can even though they got the funds cleared. That is stealing money from me and gaining interest or whatever works for the banks advantage. The laws should protect the consumer and the money you deposit should be released to you once it clears not when they say Please help us in amending these rules that clearly favors the banks and not the consumers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Loancare continues to take my money but not pay my mortgage. XXXX XXXX keeps calling wanting their money. I am 2 months behind on my mortgage but I have never missed a payment. Now I find out Loancare sold out to XXXX XXXX but did not release my funds? 

Company response: Company chooses not to provide a public response
Consumer complaint: The Creditor has falsely documented our credit report saying Chapter XXXX when that is wrong to multiply Chapter XXXX to account closed in collections to charge off and write off amount to a whole new amount claiming original balance plus interested for there accounting errors. We believe that they wanted to mess us over and have tried by falsely documenting the account they have also stated that they were not notified of the Chapter XXXX which is wrong they were notified and had received payment refused to work with us and continued to falsely document open a new trade line and tried to get us for the full amount after they took the car and sold without providing the sold notice. The account should be closed with us owing them nothing as this is a huge error on there end and should be resolved with out costing us for there mistake. Please help with this as they have cost us enough. They want us to settle with making payments for something that is not right as you can see from the attached credit reports they are all over the board and not lining up with correct information. We ask that you make them remove the errors and show account closed as many of these reports show errors and have account closed they can not nor should they report errors like this and get away with it. They were fully communicated with and did whatever they wanted. They should have to remove all the errors and leave the account closed and in good standing for there mistake to us. Please help we are not in agreement with what they have done to us. The attachments are of my husbands but it is a joint account so it affects us both. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX has reported a loan account to experian credit agency after several attempts of me reporting that this account was initially opened by my father who I share my name with. I recently submitted a dispute through experian and was unsuccessful. I have contacted XXXX and they refuse to aid me with any actions. Thus account was reported even though our social securities are different. This is negatively affecting my credit and it is holding my possibility of buying a new home. This issue has been going on for years and I still have not been able to solve it. Any help would be greatly appreciated 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I usually take advantage of 0 % offers provided to me by multiple cards I own/have. Briefly, these offers provide 0 % interest for a fixed period ( 1 to 3 years ) for a small transaction fee ( 1 % to 3 % ), at which time the banks usually allow me to roll over the balances forward, if desired, for another small fee, by providing balance transfer offers/access checks etc. As a result, at certain times, I carry more than one 0 % promotional balance on the same card. I usually make payments in excess of the minimum, which are applied toward the balances expiring first, as banks understand that I paid a nominal fee to roll the balances forward. Payments are supposed to be applied to the balances with the highest APR ; and balances expiring first, even though at 0 % presently, would have the highest APR over the same period going forward, so payments are applied to balances expiring first, as per the credit card act. 
I have a 0 % promotional balance ( with a 3 % transaction fee ), as explained above, that was initiated a long time ago, that is expiring this year ( XXXX ) on the " XXXX '' issued by " Barclays Bank Plc ''. This card has a XXXX $ credit line, out of which XXXX $ ( about two-thirds ) is still outstanding, and the rest was paid over this period. This card recently sent me access checks and emails allowing me to transfer balances into my checking account by offering a 0 % promotion till XXXX for a 1 % transaction fee. I accepted the offer by transferring XXXX $ for a XXXX $ fee, and immediately made a big payment back to the bank ( approx {$2200.00} ) in order to pay off the promotional balance expiring this year, so as to avoid interest. My payment should have been applied to the balance expiring first, i.e. to the {$4600.00} outstanding expiring in XXXX. Instead, the bank is saying it has the authority to decide how payments will be applied, as all balances are at the 0 % rate, even though I paid a fee to the bank for essentially rolling the balance forward. 
I have made similar transactions with other big banks such as XXXX and XXXX XXXX, but Barclays is trying to cheat me by trying to charge me frivolous transaction fees to transfer balances, and still not applying the payment to the expiring balance after payment was made to them. Also, Barclays Bank is taking advantage of consumers like me, by giving me a 0 % promotional rate, albeit for a fee, and not applying payments correctly, in order to extort interest out of me at an exorbitant rate ( over 20 % ), even though I paid the transaction fees and made payments in excess of the minimum. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have tried 3 times in 6 months to get my free annual Experian credit report on line and by phone. On line does not do anything and no one answers the phone. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Today I was at work and a person named XXXX called my job to talk to me about debt that is owed to Millennium Financial. I told her I was currently at work but she demanded that I discuss the debt immediately. I then asked for her phone number and she proceeded to give me the phone number but then demanded that I call her by Monday XXXX XXXX I thanked her for the information and she hung the phone up on me. Her tone during the call was unprofessional and did call the number back to file complaint with her company. I also asked for them to never call my job again and that she never contact me regarding this issue. Millennium Financial and a company named XXXX are attempting to collect on this same debt and I do not feel comfortable discussing it with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting. 

I have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt. 

This is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points. 

This company is attempting to completely ruin my life and my credit and they have no right to do so. 

I have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus. 

This is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time. 

It gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A company Financial Credit Network bought a debt from XXXX XXXX stating I owe {$120.00} on services that I did not render. I will fax over my police Report with a this complaint by fax. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: As part of my estate planning to make sure my wife and children are taken care of when I die I created a living trust with my wife in XXXX XXXX with my wife and I as the sole trustees. We have always titled all of our properties in the name of our trust since that time including our residence at which had a HELOC with Wells Fargo Bank. In XXXX we bought a new primary residence and unfortunately made the bad decision to finance it with Wells Fargo Bank , N.A . Besides the fact that the origination process was horrible and their fraudulent flood department that is part of Home Equity made us get unnecessary flood insurance ( subject of previously filed complaints ) I am now being harassed by Wells Fargo Bank , N.A . about holding my property in the name of a trust. First I got a letter stating that I needed to fill out forms, notarize them and include copies of my trust pages which I did. Now I received a second letter from XXXX XXXX, a VP ( that according to customer service does n't have a phone number I can use to speak with her so I 'm not sure if she is a robo signer ) stating that I have to have a modification agreement recorded against my account. When I called Customer Service to speak with them they said that my account would be restricted if I did n't complete the forms ( it is already restricted due to a short sale in XXXX ) and that if I do n't comply and keep my account in good standing they are going to take actions including possible foreclosure. 

I continue to have problems with this bank even though I have over XXXX accounts with them. CA state law allows for individuals to have properties held in the name of a trust and still have a loan on them yet WFB seems to think that they can usurp state law and create their own rules. Also it 's important to note that WFB does n't have a problem with the Conventional XXXX loan that they service since that is n't their money but when they have a portfolio loan they create complex billing situations ( see other complaints about how they steal money by misapplying payments ) and harass me about my estate planning. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX XXXX, I went online and cancelled the {$25.00} automatic monthly scheduled transfer from my BOA checking to savings account, but the bank made a mistake and started the transfer back up on XXXX XXXX, XXXX, without my authorization, charged me a {$35.00} overdraft fee because I did n't have {$25.00} to transfer in the first place, and left me with a negative - {$60.00} balance in my checking account. What kind of program do they have anyway that allows somebody to transfer negative checking account funds to a savings account to incur an overdraft fee on the checking account??? When I called today to complain about the transfer and fee, I asked when I supposedly reauthorized a transfer ( which I did n't ) and they could n't tell me the date, but said I was sent a low balance alert, which means nothing because I knew the balance was low anyway and I do n't have to maintain a minimum balance to avoid the monthly maintenance fee. Please make them put the {$35.00} they took from me back in my account because what they did was wrong. I am a XXXX on a very tight budget and it 's not fair that they are taking my money like this. I had to get a loan from my mom to cover the overdrawn checking account balance until this is resolved. You have my permission talk to her about this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: USAA Federal Savings Bank ( hereinafter referenced as " USAA '' ) charged-off my mortgage debt subsequent to my ex-wife filing for Chapter XXXX bankruptcy protection. I did not file for bankruptcy protection and through my ex-wife refused to reaffirm the debt in question, I am still a valid consumer who has made timely and fully payments since the inception of the debt. USAA is likely the servicer for a securitizied mortgage debt. They are currently reporting the debt as charged-off on my public credit record and causing great financial harm. While USAA may have " charged-off '' the debt, they did so unlawfully as I am a borrower who has made timely and full payments and my financial liability has not been resolved by a bankruptcy petition. Because I believe USAA to be a servicer, I believe they have violated several provisions of the FDCPA. Moreover, because they are wantonly and willfully slandering my credit record I believe they are violating the FCRA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recieved a letter from a debt collector who works for XXXX to collet a debt of XXXX The colloctors phone number is XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have been writing back and forth to you and all XXXX Credit Reporting Bureaus. Several items have been removed, however, I have requested ( 4th time ) a copy of my updated credit report from each of the agencies. Please have them mail a copy of my updated, corrected credit report w/credit score to me at : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am still having problems with XXXX XXXX. 

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