AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: It must be awful when a mortgage holder is behind on their payments and the debt collectors begin their calls, it is another matter when a mortgage is current with payments, and the debt collectors call! 
Such is the practice of Green Tree Servicing , LLC. In conjunction with, XXXX XXXX XXXX XXXX XXXX. 
As a subscriber to the F.T.C. e-mail alerts and messages, I am aware of the recent court case involving Green Tree Financial, LLC. Yet I feel the wolf just found another path to avoid the shepherd. 
I noticed some unusual new information on my XXXX 2015 statement from Green Tree Servicing , LLC. 
Principal : {$510.00} Interest : {$400.00} Escrow : {$0.00} Regular Monthly Payment : {$920.00} Total Fees & Charges Due : {$0.00} Optional Insurance/Other Products : {$0.00} Past Due Amount : {$0.00} Total Amount Due ( Reinstatement Amount ) : {$920.00} Accelerated Amount : Reinstatement Amount? Accelerated Amount? Default??? 
Then the calls started from XXXX XXXX XXXX, and it is just too bad I ca n't attach these voice mails " This is an important message from XXXX XXXX XXXX XXXX XXXX. this is an attempt to collect a debt any information will be used for that purpose, please return our call back to XXXX XXXX extension XXXX '', this message followed with me everywhere I went in XXXX, my cellphone, my home phone, my business phone, my mothers ' phone. I called in response to every phone call I received. As an somewhat aware consumer I left messages, " I am unaware of any outstanding debt, yet I do not as a practice will pay and or converse in any matter of this type without an invoice and or written statement of the debt, I am willing to work this matter out in the most expeditious method possible up and to the event of arbitration. '' I never would receive a call back, just messages and voicemail. 
It was n't until I received a letter dated XXXX XXXX, 2015 from Green Tree Servicing , LLC that the pieces fell into place. " During a review of your account Green Tree determined that your billing statement dated XXXX/XXXX/15 inaccurately indicated your account was in default and erroneously included a reinstatement and acceleration balance. " That is nice, now what other damages, errors, omissions falls on the hands of the individual? Pay to pull all my credit reports, and if there is a " blemish '' caused by Green Tree 's erroneous actions? 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I sent all requested identifiers to Experian. I waited some time and called special handling to verify their receipt and validation. All items were accepted at said point. I elected to place several items in dispute with Experian, including but not limited to Date of birth, Addresses, Name indifferences, and several unknown credit inquires, and collection accounts. I waited the time frame they are allowed by law they elected to remove some items from the credit report such as collections who did not respond in their time frame and that is really all. I asked about the collections that remained and was told they remained because they were validated by the source, I explained the source has agreed the debt is not valid and has asked it be removed via XXXX update ( XXXX DELETE ). They said the debt was valid and refused to delete. I explained that several of the credit inquires were agreed to be deleted as well I sent them correspondence from the source to them via certified mail that explained the same and they refused to remove said items. I asked what items in specific the creditors had verified when they had verified bad debt they said it was not their responsibility to disclose. When I call to inquire further with Experian, they elected at their sole desertion to have my call automatically transferred to an answering machine in special handling based on my input of social security number. I have left several messages and allowed some time to pass and never received any follow up calls. They have also elected to block access to online reports or disputes and ask me to send in identifiers they already agreed to receiving, even if I elected to pay for my own report. When I applied for a credit card and they used Experian, I was informed their was no Experian report found. I have a credit report that Experian sent me. 

Company response: Company chooses not to provide a public response
Consumer complaint: We got a loan modification from XXXX XXXX in XXXX in which they made a bank error and did not credit us with a returned check which we made good and they capitalized our loan {$12000.00} in excess. When XXXX took over the loan, they did not give us credit for XXXX payments we made in XXXX totalling {$6200.00} From XXXX, XXXX to XXXX, XXXX, when we received a modification from XXXX, XXXX payments were not credited to our account totalling {$18000.00}. From XXXX, XXXX to XXXX, XXXX we have found that {$33000.00} was capitalized into our mortgage account for escrow charges for taxes and insurance. We paid the home owner 's policy from XXXX to XXXX, XXXX when XXXX put the insurance and taxes into an impound account. However during the time we were paying the home owner 's policy, XXXX charged our escrow account {$7400.00} for home owner 's insurance which we ourselves paid. We have a letter from the insurance company substantiating our claim. 
According to our records, {$9800.00} was capitalized to my mortgage account for taxes and insurance which represents an excessive charge to my mortgage account. Also according to our records, {$23000.00} was charged to my mortgage account for accrued interest and late charges from XXXX, XXXX to XXXX, XXXX. This represents an excessive charge to my mortgage account. We have submitted documents to XXXX and now SPS Loan Servicing who is the present loan servicer on the account verfiying all payments we have made on the account from XXXX to XXXX, thus confirming our claim that many bank errors were made on our account and that XXXX owes us approximately {$100000.00} on our account plus applicable interest from XXXX when XXXX bought the loan servicing rights on the loan to the time when XXXX gave us a loan modification in XXXX, XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on XXXX XXXX, 2015 at XXXX per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly. 

Company response: Company chooses not to provide a public response
Consumer complaint: There were XXXX liens appearing on my credit report. NYS Taxation vacated XXXX liens which were always erroneous. I provided letters showing the vacating of the liens to TransUnion. Instead of removing the liens, they reported the liens as being paid later and to be removed from my credit report later. XXXX are adverse actions to my credit and not reflective of the documentation that I provided from NYS Taxation and aknowledged by the XXXX County Clerk. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX ( XXXX ) XXXX a law firm named XXXX, XXXX, XXXX and XXXX filed a lawsuit citing that they represented XXXX for a debt and did not name the creditor or identify the debt source. The citations do not show that XXXX XXXX XXXX was ever served the citations as they are not signed. There was no other information sent notifying XXXX of the debt identification or how to resolve the claim. XXXX XXXX XXXX passed away on XXXX XXXX, XXXX after an extended illness. On XXXX XXXX, XXXX a totally DIFFERENT law firm ( Jenkins, Wagnon, and Young ) showing that they represented XXXX XXXX, XXXX ( which is not the original debtor shown on the citation in XXXX - different collection company name and different debtor ). There was no citation sent according to county records to attempt to notify XXXX or her estate of the claim. There was no no validation of the debt and no information sent disclosing what this debt is, the original creditor, and allowing the person OR the estate the opportunity to validate the debt. There are some legal time issues that also apply on filing or collecting within a year of the death of a person. 
This action is an unfair debt collection action. They have misrepresented information and facts about the original suit, the original debt collector and the law firm filing the suit are totally different entities that the judgement action entities. In addition, no notification was sent or served for the judgement action entities, no opportunity to validate the debt or respond to the action action was afforded either XXXX XXXX or her estate and respresentatives. This judgement was also filed over 18 months after the death of XXXX XXXX. 
There has been no response or acknowledgement of the original complaint and there has been no real response to my initial attempts to contact the creditor and communicate with them. Discussions with the original law firm disclosed that they will not be filing or asking for further action or judgement. I have no ideal what the debt is supposed to be as there was no disclosure of what they are claiming is owed, what kind of debt it is, whom it was owed to and other accounting information that would need to be disclosed to validate it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Manager was told by me that a minor who lived in the complex said " XXXX '', then after manager XXXX told, '' I will give them a warning '', still wrote me up and knew I did n't do it. She gives a tennant wrote up info, goes XXXX and lyes to the sheriff, then she goes in my apartment and tresspasses without consent. We leave because of what she did, disposed all my items without consent, then tracks me down illegally and sends false money amounts to my aunt 's. I did not do what she said. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Home Depot failed to remove my name, as promised in letter, from credit report companies: XXXX after they found that the account use was fraud. I have letter from TheHomeDepotCredit Services where they confirmed that the charges on my account were incorrect. They did not take the steps to correct mistake regardless several calls.
Company response: Company chooses not to provide a public response
Consumer complaint: Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a letter from Wells Fargo Auto Finance stating that we have paid in full and satisfied the requirements of our Auto Loan, however they are reporting our loan as transferred and charged off instead of paid in full for the original account. Wells Fargo transferred the loan within their own company after the loan has been already satisfied. The loan has negative impact on our credit report and the bureaus refuse to change it after we have provided proof of a Wells Fargo Letter stating the original loan has been paid in full and satisfied under the original conditions before Wells Fargo did an internal transfer of accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America fails to fill out balances in the interest rate charges portion of their statements. Interest rates and promotional dates are listed, but all balances are {$0.00}. You can not determine which portion of the balance is subject to the promotional rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for a CITI/XXXX Card while on a trip to XXXX XXXX in XXXX. The reason was you would get XXXX XXXX miles if you spent $ XXXX in the first XXXX mos. I did that and more, actually charged over $ XXXX and paid it off on time. I noticed the other day I never got the XXXX miles. When I called them they said I had cancelled a CITI card last year and if I had read the fine print I would have know I was not eligible. Somewhere when I applied for the card WITH the XXXX miles I should have been informed I was not eligible. On top of that I do not remember or have any record that I ever had CITI card before. I have been a primarily an XXXX customer for over 30 years. We also have a XXXX XXXX ( our bank ) XXXX card and a XXXX XXXX we use for overseas travel. I think they told me when I cancelled it but they could not say how much and when I charged anything on it. I talked to XXXX levels of management and all I got was you should have read the terms and conditions and we are sorry. I cancelled the card immediately. My beef is that I keep a file on credit cards and I have no record that I ever had a CITI card. I do n't expect to get the miles but they should have their hands slapped at a minimum. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from Citi BANK on XXXX/XXXX/14 its stated that they would not refund my money on the circumstances that services were rendered but the initial complaint was not that they did not provide service but the service was provided did not do as they promised, please ask the bank to provide me with documentation of every attempt at resolving this issue with the merchant on my behalf. I am very upset and irate & I need this to be taken cared of ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited XXXX $XXXX checks into my USAA XXXX account Friday XX/XX/XXXX. I deposited an additional XXXX XXXX checks into my USAA savings account on Saturday XX/XX/XXXX. My account was locked after depositing the checks into my account Saturday XX/XX/XXXX. I was told by a representative that my account wold be on hold for 2-3 days. When I called back in on XX/XX/XXXX I was told my account was under review and that my account would be inaccessible until Friday XX/XX/XXXX. The explanation was that they were waiting to see if the checks bounced. On Friday XX/XX/XXXX I called the bank back and was told my account wold be frozen/in a credit only status until the checks returned. The checks will not be returned because I still have XXXX in the account that the checks were drawn from. I can see that USAA presented and received all monies from the checks on XX/XX/XXXX I offered to call the other bank and give them permission to discuss my account as well as the funds available in the account. USAA refused. They are going to hold over $10,000 indefinitely and I have no recourse. This is criminal, illegal, and downright sickening that they would treat a customer with no incidence of bounced or returned checks like this.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for loan mortification from SunTrust mortgage, and was denied, sent all information they requested, and I do n't understand what 's going on. I just ca n't lose my home to foreclosure. I do n't owe but {$14000.00}, I need to keep my home, I 'm a XXXX year old XXXX & been married for XXXX years. I need help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed my first ever claim with your Agency yesterday ( XXXX). Same background    I E-- I lost my job on XX/XX/XXXX. I was paying all of my credit cards on time. With no job--We lost our condominium + the XXXX entered us ( Me + my XXXX wife) into their Program. They paid our monthly XXXX premium and got us enrolled into the low cost prescription program. However, they advised that if I earned more than $ 50.00 / month--we would lose these benefits. I began early XXXX  monthly benefit check(s) in XX/XX/XXXX at age XXXX
In 2010 Citibank took me to XXXX Court for non payment. Per my "Answer" that I submitted to the Court---my only source of income is my XXXX and that can not be garnished ( I was not trying to "hide" behind this).  The Judge agreed and their motion for payment  was denied on XX/XX/XXXX.

So,you naturally think that this case is now closed.

In XX/XX/XXXX,  I got information from the XXXX Court that this case had been re opened by Citibank !  I  discussed ( at length ) the case with their Lawyer. We settled on a Stipulation for Judgment wherein I agreed I owed the money and Citibank stated , " Demand and presentment for payment are hereby expressly waived". On XX/XX/XXXX and again on XX/XX/XXXX the Judge Granted/agreed with this Stipulation.
 So now ( again) you think that this case is finally closed ??

  A week ago, Citibank's new Law firm mailed me an Appearance Form for the XXXX Court. Per the XXXX Court Clerk--I should call this Law firm and I did. I asked to speak with  XXXX ( person  who signed the Form). I assumed that I was talking with XXXX-- as that is who I asked to speak with.
Regarding me getting this form and XXXX other questions I proposed , he stated to each and every question :
" I can not confirm or deny anything".
Then, in true Legal form, he stated, " If you win the Lottery,you are duly bound to pay in full Citibank"!!!

My opinion is that Citibank is guilty of repeatedly harassing me. 

If a case is deemed to be closed ( XXXX) by a XXXX Court Judge --why can't they accept that Judgement and then "move on"??
Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from XXXX XXXX XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: in 2009 we purchased this home The former owner XXXX XXXX ran a business from it. XXXX, XXXX for XXXX years I have received his mail. As of today he still has the business registered to this address under the state of Pa. I have found the business ID on line and researched it. The state refuses to change the address and claims XXXX XXXX XXXX must do that. This year I found a note in my credit report where I would make a consumer statement not under my employment info stating May own and operate a home business. I do not own oroperate any home business and never have 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan off a letter i got in the mail in XXXX of 2014 with Freedom mortgage who carries my current loan. They said i could reduce my rate with an FHA streamline. Then is XXXX i saw that you could reduce your mortgage rate so I asked them if I qualified for that and they told me yes. We will just resubmitt your loan. Well XXXX, XXXX, XXXX went by and no refi yet. They told me they did n't even have anything in there sysytem for me. I asked them to cancel my refi because i was going to go with a local lender here in XXXX. No my local lender is waiting for the FHA case number to be transferred from freedom mortgage and nobody is communicating with my new lender to get this done. I am going on over 6 months now and ca n't get a simple refi done becuase freedom mortgage wont transfer the FHA Case number. Any suggestions or help? 
\Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I started a new job and told a rep this weeks ago and emailed the rep a few days ago also. I get XXXX calls a day then they email even after leaving a message or calling me to call them. I stopped calling them back now because I have asked for them to call me XXXX time a day after XXXX and also not to ever email me again and it has n't stopped. then a rep XXXX called me from her personal cell XXXX which is illegal! CNAC if you pull their phone records talk bad to me and I have paid perfect for 3 1/2 years! I want to sue this place for violating me and harassing me daily. please help shut this place down or make them learn to stop harassing consumers. 

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