AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My loan was just transfered to Carrington Mortgage Services. I 've had several home loans and this has been by far the most difficult one to work with. I pay extra on my mortgage every month. However, they make it very difficult for you to do so. I can not pay extra via their website. It shows the options to do so, but they do n't work. The most I can pay is my mortgage payment. My options are to call in and give a stranger my checking account info every month. Which they entered wrong the first month and did n't work anyway. Regardless, very time consuming to pay a single bill every month. I also, can make multiple payments to accomplish this. Since I ca n't make a larger payment, I have to make multiple payments. However, I can only make one per day via their website. It becomes a multi day hassle. Even so, I still will have to call to make sure the extra money under the other option is still added to the correct place. They also told me, I could pay extra provided I pay on or after the first every month via the website. That was a lie. Still does n't work. I 've never encountered a place to difficult to pay a bill. I 've had several car and home loans and by far the most difficult one to work with. They make it very hard for you to pay extra potentially trying to make sure your loan is dragged out as long as possible, making them more money and costing the consumer more. They need to make their website be able to take larger payments. Telling me that they 've had lots of complaints and " that 's just how it is '' is unacceptable. If they ca n't fix it, I would request my mortgage be sold to another company. No other mortgage service I 've dealt with has been this difficult to work with. I should not have to spend this much time and effort to pay a single bill every month. It is n't fair to me, especially when I pay on time or early every month. It should n't be a punishment for that and wanting to pay extra to pay off my loan. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX held by Carrington Mortgage Services for property atXXXX XXXX, CO XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've had a credit card with Bank of America for 8 years. In the last few months I was having trouble making my payments. I called in and requested assistance and was told the assistance offered to me would make my payment hire. I then spoke with an associate about a settlement and decided that would be something I would like to do. After agreeing to the settlement, I did more research on the topic to make the best decision for myself then decided I would rather pay the loan in full and keep the card and acct. I called in to cancel the settlement and to advise I would like to pay in full. The representative repeatedly agreed that would be the best choice. She later told me I could n't cancel the settlement. Her manager later got on the phone and completed the cancel action in a few minutes. The next day, my account was charged off. I advised I only canceled the settlement due to my preference to pay in full. The representative told me she could put in a request to reverse the charge-off and scheduled a payment for approx. {$6500.00}. I advised I believe the full balance to more than that. She reassured me it was n't. I later called back in and asked a gentleman to confirm my balance the previous representative gave and he too told me the balance was approx. {$6500.00}. This morning I called to request a status on the charge off and was advised I had a balance of approx. {$1100.00}. I then got transferred and was advised of a $ XXXX balance. I walked her through my desires to resolve the account in full and have the charge off removed and my card reactivated. She adjusted the payment I have scheduled for XX/XX/XXXX to reflect the full $ XXXX but I still do n't know if doing this I will still have a charge off on my credit report. I 've been a customer of bank of America since I was XXXX/XXXX years old. I initially asked for assistance and could n't receive any. Now, acquiring the funds to repay my debt has turned out to be frightening and disappointing. I am currently in a charge off status. I am out of XXXX dollars and have nothing to show for my ability to repay my debt. Instead of securing a promise to pay for the payment in full, the agent decided to charge off my account. I do n't feel appreciated as a customer and I do n't believe Bank of America truly is interested in me doing the right thing. I can remember the agent on the phone when I expressed my desires to payoff the account in full asking me ... '' if you have money to payoff the account, why not continue to make your payments? '' What kind of company with any kind of morals would say that to a customer? At that point, I personally felt like their goal was to continue to get interest payments from me instead of putting my best interest first and helping me resolve a debt I owe. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I refinanced my primary mortgage in 2013 with a company called New American Funding. They did lower my rate but told me that I would have to pay MPI because I refinance was over 80 % LTV. During the refinance process, my loan officer XXXX XXXX XXXX ( employee of New American Funding ), told me my MPI would be for 92 months or until my LTV got to 80 %. I have requested my mortgage company to order an appraisal because I believe my house value is high enough to cover the loan at 80 %. When I did this, they told my I had to have the PMI for 11 years ( 132 months ) and that there was no way around it. My challenge is that I was told something else and my loan documents say my term is 92 months max. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was released from State tax debt and Federal tax debt by filling out an innocent spouse forms. The credit bureaus have stated that they are either paid or released, which I did n't pay them I was released from those debts. And they are still on my credit reports. I feel that they should be completely removed from my credit reports since it was never my debt, it was my ex husbands debt from his business which was not in my name. And XXXX credit bureau does n't have that these tax liens were released from my name. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Using the same personal information ( name, ssn, address, .. ) the Equifax is not able to provide me with my free annual credit report. The identity verification questions I was presented clearly show that the Equifax system is not able to identify me and later claim that the identification process failed, request I go through a mailed credit report for with a long list of identification documents copies. The other XXXX credit agencies ( XXXX, XXXX ) have been able to verify my identity online and provide me with my free credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank has misapplied my XXXX XXXX ( XXXX/XXXX/XXXX application date ) and XXXX XXXX ( XXXX/XXXX/XXXX application date ) principle only payments in the amount of {$200.00} each ( {$400.00} total ). I have contacted US Bank Home Mortgage twice, in writing twice, to resolve the issue. The bank has not responded to any of my written requests or attempted to correct their error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a XXXX Chevrolet at a used car lot. The full sum {$8600.00}. When I drove it off the lot The brake light, the ABS light, the drivers airbag was on constant, the passenger airbag light on constant, The was NO drive/reverse/park, neautral, D1, D2 showing at all to know where I selected. 
The brake pedal was low and spongy. This vehicle is UNSAFE. I brought it back the next day to be corrected Their mechanic hooked up his OBDll tool and found nothing. 
I brought back the truck within 48 hours of buying it and told he company it is unsafe for the person in charge I do n't want it. I left the keys with the person in charge. I gave {$1100.00} cash up front. I asked for my money back. They have been ignoring my requests. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: RE : Complaint Number : XXXX To Whom This May Concern, This letter is a follow up to the above mentioned complaint, which the file may have since been closed. Your correspondence dated XX/XX/XXXX, contacted me regarding notification of the CFPB to US Bancorp due to my complaint to XXXX XXXX XXXX 's office. I did receive a letter dated XX/XX/XXXX from US Bancorp explaining the lengthy process. Within the letter, I was " assured that the remainder of the process would be expedited for a quick resolution. '' I also received a Short Sale Contract Approval letter dated XX/XX/XXXX. The buyer ( XXXX XXXX ), signed a Residential Sale Contract on or about XX/XX/XXXX. By the date of the Approval, she was unable to wait, an agreement to release was signed and she bought another property. 

The agent, XXXX XXXX, contacted US Bancorp and my application was closed. The short sale process started for a third time with my new agent XXXX XXXX, the property was quickly marketed and XXXX XXXX, is the buyer. The attorneys for US Bancorp put the property up for a foreclosure sale requesting me to pay the full and original price, in the midst of us await for the third renewed application process. 

US Bancorp reviewed the information and cancelled the foreclosure sale. The file was reopened, reassigned to a processor and there were no additional documents needed as of email from XXXX XXXX dated XX/XX/XXXX. As my agent, the buyer and I were assure of a " quick resolution, '' a Sale dated was scheduled for XX/XX/XXXX. The date has not only passed but the file, according to XXXX XXXX is still with the processor. The unnecessary delays cause documents to become dated and then the file is " concerned '' to having missed documents that need updates. 

I am hoping that the CFPB will review the above, contact US Bancorp and finally bring this matter to the promised " quick resolution, '' before the buyer is forced to withdraw. Thank you for your attention, I look forward to hearing from your. 

XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted FCI Lender Services on XXXX XXXX by phone and spoke with a XXXX XXXX at Extension XXXX who informed me that I FCI Lender Services provides the negotiations for Loan Modifications and that I needed to put together the package of information and send it to them via fax or mail. I submitted my loan modification application and completed their questionnaire on XXXX XXXX, 2016 via fax and also by USPS with receipt requested delivered on XXXX XXXX, 2016 and signed by a XXXX XXXX. Today is XXXX XXXX, 2016 and I have not received any response to those my Loan Modification request or acknowledgement of such. Additionally, I called again on XXXX XXXX, 2016 and left another message with the general information Voice Mail for FCI Lender Services Inc which has also gone unanswered. I am filing this complaint as I have not received any response to my application. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My credit report is a mixed file. It contains the address, name and credit accounts of someone in my family with the same/similar name. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: the credit card issuer navy federal fabricated the credit card credit amount which was maxed out based on revenge for filling prior complaints regarding fabricated credit by navy federal and their agents and associates in fact. 
navy federal futher failed to return fraudulent payments of XXXX to a va inspecter related to the home mortage at XXXX. 
navy federal failed to pay back fraudulently stolen money from I pay global of over XXXX dollars I filed a fraud complaint regarding navy federal fabricated prior credit denials for mortgage on XXXX XXXX XXXX. 
my home XXXX XXXX which was corrected after my initial ftc complaint. then let the mortgage run out claiming my name was un would not be accepted by them as grounds for no va loan but my name was registered at va as such when done. also their agents refused to give me pr proper answers to questions regarding an inspection by a home inspector. 
this droping of the mortgage application by fraud of nfcu is used by them to now claim my fault credit card dbt high is my fault when theirs for fixing credit and mortgage application denial and denying subswquent XXXX on bad creted nfcu manufactured with prior budys at credit bureaus and others. 
futher the fabricating of credit by nfcu is equal to or higher than what is claimed owed on fabricated credit card debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I entered a contract with the property management company called " The XXXX '' ( incorporated as XXXX ) located in XXXX, WA that concluded on XXXX/XXXX/XXXX. Per the terms of our contract, the XXXX XXXX had 14 days after the leased property was returned to them to refund our deposit and present a statement of any charges withheld or due at that point. This can be confirmed by Section XXXX of our lease agreement ( 'Non-refundable fee and security deposit ' ) : " An accounting and refund of the Security Deposit or invoice for additional charges, if applicable shall be made within fourteen ( 14 ) days after the Tenant has vacated the premises. '' The XXXX XXXX did provide a partial refund of our security deposit, as well as an invoice for {$100.00} withheld on XXXX/XXXX/XXXX, within the dates set by the terms of our agreement. At that point, we had every reason to believe our business with them was finished. However, on XXXX/XXXX/XXXX -- 24 days after the end of our lease term and when the property had been surrendered back to them -- we received an invoice for a previously unmentioned charge for 'janitorial services ' for {$220.00} that contained no other explanation. 

Knowing this charge violated the terms of our contract ( as well as Washington State Law XXXX XXXX : " Within fourteen days after the termination of the rental agreement and vacation of the premises, ... the landlord shall give a full and specific statement of the basis for retaining any of the deposit together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. " ), we did not send an official dispute via registered mail until XXXX/XXXX/XXXX, after the XXXX XXXX threatened to refer it to collections as a means of negatively impacting our credit rating for nonpayment. Since they are fully aware we have no responsibility to pay this debt, their threats denote a clear attempt at extortion. Thus we sent all our supporting documentation with our dispute notice, as well as a request that both the charges be dropped immediately and to not be contacted by the XXXX XXXX or their agents again. 

These requests were not honored though, and now we have received a collections notice dated XXXX/XXXX/XXXX from " Grimm Collections '' in XXXX, WA for a {$220.00} charge that the XXXX XXXX was never legally allowed to make in the first place. The only reason we have ever been given as to why no attempt to even inform us of a need for cleaning services until 24 days after the premises was vacated was because they 'overlooked ' it. This admits to negligence on their part, that when coupled with the tardiness of their claim, negates any legal right they may have otherwise had to charge such a fee regardless of whether it was valid from the start. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called Amerisave Mortgage on XXXX/XXXX/2016 and spoke with XXXX XXXX, a Loan Originator. He assured me at that time he could and would get the loan closed. Initially the loan received an automated underwriting approval. Since then, the loan application has been declined 3 times with no explanation as to why it has been declined. When the initial credit application was taken, my credit score qualified for premium financing. They ran my credit a 2nd time within 30days which reduced my credit score and caused me to be disqualified for premium price financing. I have reached out the XXXX XXXX manager, XXXX XXXX several times and he HAS NOT responded to me at all. I have contacted the loan processor, XXXX XXXX, and he has not responded to my email or returned my phone calls. I have also contact customer service and was told a manager would call me back within 24 hours and I have not received a call or email response from anyone. At this point, I have spent {$75.00} getting documents signed and Notarized only to receive an email stating the loan has been declined again with no explanation. I have been requesting a call back since Friday, XXXX/XXXX/2016. XXXX XXXX replied on Monday stating he was out sick and would have his manager call with the reason for the decline & I have yet to receive a call or response from him. I believe I am being discriminated against or RED LINED. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from an attorney advising I currently owe {$310000.00} to XXXX XXXX XXXX. The amount of the ledger changes with every ledger we receive with threats about accruing interest at the highest rate possible. I have disputed this amount and even provided proof that I do not owe this. I provided the ledger from XXXX XXXX XXXX that show all of my payments made timely and have paid all of my fees and assessments. The XXXX association has told me I owe them no money and they have no idea where these charges are coming from or why I am being charged by this collection agency. I continue to be harassed and have received numerous threatening letters regarding this debt that is not mine. I have XXXX pages of documents including certified letters provided to the collection agency and attorney documenting how this debt is not accurate and I do NOT owe this money. I have sent many certified letters and have not received one response to any of my letters to the collection agency as well as the attorney working on behalf of the collection agency. 
I am XXXX years old and have always paid my feed, dues and assessments. These threatening letters have brought undue stress upon that I can not afford to go through health wise. I have had to go to visit my doctor because these letters have made me ill. I worry that they will continue to harass me and make my health worse. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My wife & I each applied in late XXXX XXXX for a credit card from XXXX XXXX & Barclays Bank based on an email promotion for XXXX bonus miles. We each met the requirements, spending limits, and full payment on account, but, as of XXXX XXXX, no bonus miles. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a XXXX gift card from XXXX for {$500.00} - I was unable to use it and I called the number on the back of the card and they said that it was not activated. The gift card representative told me to fax information on the front and back of the card, as well as any receipts. I faxed this information to the gift card company on XXXX. This morning, on XXXX, I logged onto the gift card management website at XXXX and found that all of the funds from the gift card have been used with the following retailer : PURCHASE XXXX XXXX # XXXX XXXX CA XXXX ''. I did not make this purchase - I would like to obtain some kind of refund of the {$500.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Good Morning, I was not sure you handled these types of issues however I thought I would reach out to you and ask. 

I received a letter from Wells Fargo that my checking account was debited for XXXX XXXX dollars on XXXX XXXX 2015 " As a result of a processing error in which my account was credit twice ". I was unable to find the transaction on my account and proceeded to reach out to the bank. 

I called the bank to inquire and have research done to verify the error ; the representative explained the research would take five business days. When I called back five days later I was told the request would take ten days. After ten days with no response I wrote to the bank through my online account via their contact support. A short time later I received a response that explained this type of research takes some time. I admittedly became frustrated and explained this is unacceptable. I then received a voice message from a XXXX XXXX that said he was from executive services and he has assigned the issue to a XXXX XXXX. I immediately called XXXX XXXX and left a voice mail. Then I received a call from a representative named XXXX stating he was calling about my issue. I explained to XXXX he was the XXXX person I was dealing with including the two phone calls and emails and that I was waiting for XXXX XXXX and hung up. 

XXXX XXXX called and wanted until XXXX XXXX to research this and I explained to him the bank has already been working on this simple debit / credit research for XXXX weeks, I advised him I would give him another week, until XXXX XXXX. Otherwise I was reaching out to you as well as The XXXX and the Commissioner of NC Banking regulation. Etc ; I have explained to XXXX XXXX that if the error was my fault I 'll be fine however I need actual debit / credit proof and not just a form letter stating the error was in the banks favor. 

I know it is only XXXX XXXX dollars however I XXXX last year and I 'm receiving a fraction of my pay as XXXX so every dollar has to be stretched farther. 

Thank you for your consideration, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX in XXXX, Georgia. Need to provide itemized list of charges instead constantly call during work hours demanding money. 

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