AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: my mortgage was sold or transferred to another company without any notice to me. I called today our mortgage servicing company ( SPS Inc. ) ( XXXX/XXXX/15 to make the monthly payment and was told that it was no longer with them ( SPS INC ) I was told it was now with XXXX XXXX XXXX XXXX, when I called XXXX I was told there was no loan with them. I called SPS back and was told that a letter was sent to me on XXXX/XXXX/15 we never received any letter from them or a letter from XXXX saying they now have our mortgage. On XXXX XXXX I called SPC Inc. spoke with our case manager XXXX XXXX, to inform SPS that I changed home owner insurance and wanted to inform them of the new company I was never told that our mortgage was transferred to another company. I received our loan statement dated XXXX/XXXX/15 for the XX/XX/2015 payment ( see attached ) the post mark on the envelope is dated, XXXX/XXXX/15. why would SPS send us a statement requesting payment to them for XXXX/XXXX/15?, SPS ; states that a letter was sent to us on XXXX/XXXX/15 saying our account was transferred to XXXX?? we never received a letter from SPS to this date nor have we received any correspondence from this so called XXXX XXXX. my complaint is, is it legal to do business this way?. Just who do we pay our mortgage to? we are trying to establish our credit status to apply for a VA loan this can do harm to our credit worthiness ( this is a FHA loan ) please help us resolve this issue. thanking you for your prompt response to this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call on Sunday afternoon via a recorded message for my ex husband ( of 5 years ) providing the number XXXX to call if I am not this person. He is happily remarried so I called to inform them that I 'm not him and was able to identify they are Southwest Credit Services yet was told that they are not open - their normal business hours are M-F, and Sat. and I would have to call back then. Wait a minute! ~ They just called, woke me up from the only time I get to nap - gave me a number to call that required me to quickly find paper and pen to write with only to not be able to reach anyone? That is not fair and not good business practice. The recording says they are attempting to collect a debt gives an option to 1 ) make an automated payment, 2 ) gets normal business hours or 3 ) leaves a message for one of the representatives to return the call - but their internal system does n't work - the call does n't ever transfer to a representative like they say it will ... then after about a minute and 12 rings, the end user gets a fast busy and the system hangs up. I DO N'T WANT ANOTHER CALL FROM THIS COMPANY! 
So I decided to google Southwest Credit Systems to attempt to reach them and find out they provide a XXXX and XXXX XXXX. XXXX # XXXX XXXX TX XXXX. I call the XXXX # and although they flip the prompts - select XXXX for a representative, the internal system does the same thing that the XXXX # does ... which is ring for an extended period of time without transferring ... I 'm not sure what needs to be done - but I was supposed to hit a key ( I ca n't remember what the prompting was during the original call from this company but if it was a XXXX or XXXX if I WAS XXXX XXXX ) - but because I did n't and followed their rules, I now run the risk of getting called back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Implying they are from a legitimate government agency and threatening to notify police to serve me at my place of employment if I did not pay by XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to take out a loan with ace cash express. They told me I had to send a fee that would cover the loan if I was unable to pay. {$240.00} later, I never received the loan and I was out my money. I made numerous phone calls to them and they told me they would not refund my money and there was nothing I could do. I will never do business with them again. They scam their customers and take advantage of their difficult situations. I struggle to get by as a single mom and I thought this would be the answer, clearly I was wrong. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Hi I have a homedepot credit card ( citi bank ) with a XXXX dollar limit. I been building a new house and came got into some financial problems. I been making payments until I could n't afford to make the minimum payment The interest and penalties just kept piling up. I just recently started work ( XXXX 2015 ) I had my wife go down to homedepot to talk to customer service to make payment arrangments. they agreed if we paid the credit card off within 6months we would n't have to pay any interest or penalties, So she made a payment of XXXX dollars. Making that payment should of had a balance of XXXX. but when I look at the statement on internet it had a balance of XXXX. I call customer service they said they have no records of the agreement. please help me and give me advice on what to do, if they can ; t get this resolved I do n't want to have any thing to do with citi bank or homedepot credit cards. anymore 

Company response: Company chooses not to provide a public response
Consumer complaint: This complain is against U.S. Bank Mortgage Home Mortgage, XXXX Minnesota office. 

I provided financial information to the Bank as requested, in order to start the processing of my mortgage loan application. The Bank then filled out the Uniform Residential Loan Application ( XXXX XXXX Form XXXX ) and returned the form to me for my signature. The Uniform Residential Loan Application as filled out by the Bank misstated significantly my financial condition. I was instructed, nonetheless, to sign it, even thought the line above the signature box stated : '' I/We fully understand that it is a Federal crime punishable by fine or imprisonment or both to knowingly make any false statements concerning any of the above facts [ my financial condition ]. ... '' While I questioned U.S. Bank, as instructed, I did sign the incomplete Uniform Residential Loan Application. However, I remained concerned with U.S. Bank 's actions. Therefore, I drafted a properly completed Uniform Residential Loan Application and provided it to the Bank. Thereafter, for reasons unexplained to me, the Bank purposefully burdened the application process with requests for documentation that were not timely in relationship to my expected closing and were unreasonable in number and in the nature of the information being sought. 
Several days before the closing when the Bank was still asking for documents and would not commit to fund the loan, I sought financing elsewhere. I believe the Bank purposefully burdened the entire process on account of my insistence that the Uniform Residential Mortgage Application be truthful. 
I feel that U.S. Bank 's actions in insisting that a mortgage applicant sign a document that is not correct and that might subject that person to prosecution for a crime to be wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a pair of shoes from the merchant through a mail ordr catalog, XXXX ) a subsidiary of XXXX. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Some lady from " Superlative RM '' called my parents in NC trying to find out where I can be located. However, I spoke to a representative of SM a week ago regarding some payday loan debt that I do not owe and asked them to send me a letter in the mail. I did receive a letter, but why are they contacting a third party when they have talked to me directly over a XXXX ago. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a very low interest rate. Our mortgage company is changing our rate when we have a fixed rate. They are telling us we are behind in payments and we owe money when we are not. Every 6 months they tell us that we owe XXXX dollars and threaten to foreclose. We have thousands of dollars left in escrow and it just seems to disappear. We have hired lawyers before and they settle with our house company and say we are caught up, and we end up having to pay XXXX dollars for our lawyer. 6 months later they start doing the same thing again. At this point we are seeking any help on the unfair practice that they are giving us. They are just trying to get us out of our mortgage because of our low interest rate. The reason they had to take such a low interest rate was because we were part of the XXXX ordeal, when they went out of business. We would appreciate any help you could give us. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Experian more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than 2 years, but XXXX XXXX refuses to report the change to the credit bureaus, and Experian refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Experian, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Experian. I am filing separate complaints for Experian, XXXX, and XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the XXXX of 2014 my grandson applied for a {$8500.00} student loan from Sallie Mae. He asked me to co-sign the loan. I was reluctant to do so, but finally did. The reason for the reluctance was the interest being charged ( 8.5 % ADJUSTABLE ) when interest rates elsewhere were 2 to 3 % and fixed. I checked my credit report and determined I had a very high number. I am a XXXX year old veteran and a retired XXXX from XXXX XXXX. I have always paid my mortgage, car payments, and all other payments on time. I called Sallie Mae and complained to them about the interest rate. They said " It was determined by their computer ''. I believe that is hogwash! I have complained in emails to several government agencies and have never received a response. I think Sallie Mae is taking advantage of students needing loans for their college education. My grandson will be a XXXX this XXXX and is doing good in his school at XXXX XXXX. I would appreciate you looking into this to determine if Sallie Mae is charging unacceptable interest rates for its student loans. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To the officials at the CFPB : On XXXX XXXX, 2015 I disputed a lien that was withdrawn and removed from my name in XX/XX/XXXX by the XXXX XXXX Recorders Offices as my application for withdrawal was accepted by the State of California. Account XXXX needs to be deleted from my credit file and Experian has verified it and updated my credit report in the matter of only XXXX days and has not sent me any paperwork or verification showing what they verified and how they verified this item with the XXXX XXXX Rec. Offices. I do not believe that they conducted a proper investigation and they have not sent me my requested descriptions regarding the information which they claimed to have verified. This item is not supposed to be reflecting on my credit report and now I am being denied credit and a better rate on my balance transfer cards with XXXX bank as they were relying on the removal of these liens by Experian to approve my credit lines. They are causing me so much stress and they are affecting my very existence! I attempted to call their executive offices and was not able to reach a live person. The XXXX devision has told me that they forwarded removal of invalid Lien slips to the XXXX bureaus. I wonder why Experian has not updated like the other XXXX have? Please, I need the help of the CFPB because this item is illegally reported and not valid and was paid in full immediately and sent to the recordings office before its due date which caused a record in the system, but this has since been removed from my name after the release and the withdrawal of the lien. This was a mistake by the offices and if Experian conducts an in depth investigation they will se that this account in not in archives nor is it verifiable or accurate os of XX/XX/XXXX. Please please can your agency help me? I have also filed a report with the FTC and the XXXX once I received a notification that they had verified it and sent me absolutely NO evidence of how, when and why! I do not understand how they even conducted a through investigation so quickly! I do not understand, this is my livlihood! I do not feel like an investigation was even conducted. This public record item is ruining my life I am only XXXX years old, they have no idea how much this is affecting me. The State does not allow bureaus to report join their behalf with inaccurate information. No one at the recorders office has been contacted by this company and the account is not verifiable as of XXXX 2015. Please this needs to te deleted immediately so I can finally breathe. I worked for years to work to get the state to see the mistake that was made as the amount was paid years ago before even being transferred to the XXXX XXXX recorder offices in XXXX, California. Can you please ask them to conduct a new investigation immediately? I read on XXXX that you guys help people in need to get these invalid liens deleted! Please, i need you help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed at least XXXX HAMP applications and sent them to BB & T and they continue to charge me late fees and leave me hanging so that they can rack up fee after fee and deny me a HAMP loan based on me not resolving my hardship, if I was able to resolve my hardship I would n't need a HAMP loan. This is not a HAMP guideline and I feel they are denying me so they can run up as many fees as they possibly can. I 've been feed to death for at least the last 2 years and it just continues and I just keep getting denied and then they keep sending me letters telling me they value my business, well I would value someones business too if I could fee them to death and leagally make them pay me those fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2014, I attempted to complete a balance transfer from my Bank of America card to a different card with a lower interest rate. The transfer for some reason did n't go through and the {$2500.00} credit card balance was returned immediately back to Bank of America. What I did n't realize until now, is that they converted that {$2500.00} credit card balance to a cash advance balance, which has a much higher interest rate. It was never a cash advance, it was a failed attempt at a balance transfer. I 've been paying an extra 4 % interest on that XXXX for a year and it has been expensive. Also, my payments are not going entirely for paying off the highest interest part of the card, they are being applied equally to both the credit balance and the " Cash advance '' balance instead of directly to the highest balance part of the card. If they would have applied my payments over the last year to the correct balance, it would be paid off by now. When I called them to ask for a resolution, the XXXX from BAnk of America just kept interrupting me and saying " it 's a cash advance, it 's a cash transaction '' again and again, when she had already said " your credit balance that you tried to transfer was immediately returned to us. '' She admitted it was a credit balance that was immediately returned, but refused to honor the credit balance interest rate. 

Please help me fight these evil people. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, 2015 I contacted XXXX ( XXXX ) for assistance with my mortgage. In coordination with this process, I was required to request loan modification from my mortgage provider Bank of America. XXXX requires the exact same documentation as Bank of America. While XXXX received, evaluated and provided me with a denial of my request based on my income, Bank of America has continually asked for additional documentation, although I have provided everything requested within a XXXX hour window, either by fax or document upload to their website. I would get a call from a " customer relations manager '' requiring XXXX more document. I would immediately provide it ( within XXXX hours ) and then a week would go by and then I would get another e-mail and another call asking for yet another document. Much of the documentation has had to be provided XXXX or XXXX times and still no resolution. Bank of America is now indicating that we wo n't be able to meet a regulatory deadline in order to complete a determination of the loan modification request. As of XXXX XXXX I have had a change in income. I have provided proof of that change, but Bank of America will not accept that documentation until actual receipt of a deposit to my bank account. Actual deposit wo n't occur until outside the XXXX day window Bank of America appears to working under. The fact that a determination has not been made ( up or down ) prior of XXXX XXXX is a tactic to deny me the opportunity to keep my home and have a more manageable mortgage. XXXX made an assessment and provided me with a determination over a XXXX ago. I believe Bank of America to operating in bad faith. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I have been having issues with our Best Buy Credit card backed by Citi bank. We have had late fees we have been trying to take care of for some time. My husband contacting Citi bank and was to be resolved per their representative. This was not the case we have received a statement in XXXX and again for XXXX with late payments. We expressed to the representative that we were paying the agreed fee and this would be done through our bank account. This conversation took place on XXXX and payment confirmation was noted from our bank on XXXX at XXXX EST. We confirmed that since it was our bank and processing would not be an issue. The representative assured us it would not be an issue. Clearly she was wrong! We have tried to contact customer service with no success ; we continue to get the run around and treated very poorly by customer service reps. We continue to state our case and what the information their employee provided us and they are not holding up thie end of the bargin and are deceptive with theie business practice. We have attempted to escalate our issues and Citi was to contact us within XXXX hr and did not. We are at our wits end and if this can happen to us how many other people is this happening to. It seems this company does not honor their word nor back what there employees state. We have asked them to review the recording and they refer us to another person. No one seemed willing to help, just worried reading a script! Hopefull you can expedite this concern and help us and any other consumers that are going through this concern. 

Out approximate loss is around XXXX. Since we have been dealing with this for sometime. Since XXXX we paid XXXX and now charged XXXX on tope of this and now they say we paid our bill incorrectly even though we verified with the representative in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to file a complaint about BB & T Bank. I recently received a Retail Statement of Credit Denial letter dated XXXX XXXX, 2015, from BB & T Bank. However, at no point did I ever fill out a credit application with them, nor did I ever give them my consent, implicit or explicit, nor was I ever contacted by BB & T for my consent prior to BB & T running a full fledged credit inquiry about me. 

Company response: Company chooses not to provide a public response