AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for a refinance mortgage on my single family home in which I reside. 
I have provided information parsimoniously requested of me for the past 4 months. 
I have been strung along on this process being required to increase my home insurance coverage to accomodate Sebonic Financial requirements. I have provided XXXX appraisals demostrating I have well over 40 % equity in my home. When I began engaging with Sebonic Mortgage and Cardinal Financial process my credit rating was very good, I received this email in XXXX from the Mortgage Representative XXXX XXXX, " Finally! Thanks XXXX. I just requested update from lockdesk. I know they are slammed. Will provide update as soon as I hear from them. May not be until tomorrow though. Thanks XXXX. " On Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : '' Yes, we finally received the verification information. We had to get XXXX to update their records with the third party verification company. '' 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Over two years ago I made a loan on a property to a " friend '' from my IRA. The " friend '' stopped paying on the loan and I therefore foreclosed on the property, XXXX XXXX XXXX, XXXX, Ca. XXXX. The XXXX on the loan was taken out by XXXX XXXX and the loan is serviced by Special Loan Servicing phone # XXXX. My escrow co., representative XXXX XXXX sent a Payoff request after the current trust deed with my name on it had been sent twice to Special Loan Services. They refused to release the Payoff statement, and insisted that I needed the permission of the previous owner, the one I foreclosed on because he was over two years in arrears on my loan. This is against the law, according to Cal. Civil Code 2924c ( a ) ( 1 ) and ( c ) and also Cal Civil Code 2904-2905 i.e. When a senior lien against a real property is in foreclosure, the holder of the junior lien has the right to reinstate the senior debt ... etc. which I am certain that your agency is familiar with. Then, after I threatened with the law, they sent the payoff request. However, when I faxed in my insurance co. authorization of the insurance on the property, they said they could not accept it without again the former property owner 's ok. Please straighten these people out_ I paid over {$18000.00} to " catch up '' with the mortgage, which the previous owner stopped paying on over 5 months ago. Special Loan Services refuse to 1. place my name on the mortgage, 2. release any information on the costs to me and 3 allow me access on their website for info. I am the owner now, yet do not have access to information-I have to pay yet they refuse to tell me about the charges. They will not accept my insurance and continue to have the insurance they chose on my loan. Please help me asap. Thank you, XXXX XXXX new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX SLS loan no. XXXX. If you need any specific documents please contact me. XXXX, XXXX XXXX XXXX, XXXX, Ca. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was attending XXXX University ( online ), my term started XXXX/XXXX/15 and ended XXXX/XXXX/15. On XXXX/XXXX/15 I informed my student advisor due to a XXXX and health factors I need to drop out of school. After having to call again on XXXX/XXXX/15 because no action was taken and speaking to XXXX different student advisors and XXXX financial advisors I was able to drop my classes and was told I had to pay before I could attend classes again which I was fine with. XXXX/XXXX/15 bill from XXXX University showed no charges and the XXXX/XXXX/15 bill showed the charges for the classes I dropped. On XXXX/XXXX/15 I got a call from Van Ru Credit Corporation stating I have not paid my bill in 131 days ( which would be XXXX/XXXX/15 ) and the XXXX term that I owed for did n't even start until XXXX/XXXX/15. She also stated that at 135 days that they would start tacking on interest and report to credit bureaus as bad credit. I tried to work with XXXX University where XXXX people there and XXXX people at Van Rue Credit told me that they were not a part of XXXX University and they could n't help me. So I did n't even have a bill saying what I owed until XXXX/XXXX/15, was threatened that I only had 4 days to pay on XXXX/XXXX/15 or it would be reported to credit bureaus as bad credit, and that I had n't paid in 131 days even though the classes I was paying for had n't started till XXXX/XXXX/15 which was only 86 days from the first phone call I received about it, and only 3 days from the first bill I received regarding the debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: My original mortgage was with XXXX, I had a modification agreement with them XXXX then changed to XXXX XXXX I then had a modification agreement with them XXXX then transferred my loan to Green Tree. Somehow they did not have my modification and returned my payments. Green Tree stated I had to start the process all over while charging me more fees interest and costs. I do not receive ANY STATEMENTS I have no idea what my mortgage balance is, what fees or costs have been added. I have completed the modification papers atleast XXXX different times to date and they always have some excuse as to why its not processed. I have no idea what the current balance due is. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Charges from gas stations were are on my card that were done by stealing my info and fraud I did n't do. Other charges that suppose to be refunded but as of today I do n't see the refund and charges yet. Charges XXXX that were disputed and nothing was done about them I need to make sure all monies were refunded from both Checking & Savings Acct. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been informed by XXXX XXXX XXXX that TransUnion has different incorect info for my address. I wrote TransUnion a letter stating my correct address where we have lived for the last nine years ( letter attached ). They sent a letter back stating I could gp online and make corrections. When I went to transunion.com and tried to register it would not accept my correct address. My address is XXXX XXXX XXXX XXXX XXXX and apparently their system can not handle a XXXX. It 's asking me to enter a ". '' or a " # '' which is not my address. I attached a current water bill and as you can see they have my address correct. The problem with the address they have on file for me, which I 'm sure is XXXX, is a problem with their software and not my problem. There is nothing I can do to correct their system. Please help me get this corrected as I have already wasted enough time on this issue. 

Thank YouXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO. 
XXXX HomeXXXX Cell 

Company response: Company chooses not to provide a public response
Consumer complaint: CNAC ( J D Byrider d/b/a CNAC aka XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, XXXX ) delivered a Faulty automobile title, + held my own sale hostage while demanding a phony claim payment of {$110.00}. My CNAC statement clearly and unequivocally states " Paid in Full - No Balance Due ). 
On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX XXXX at J D Byrider / CNAC, and used their CNAC financing. 
On XXXX XXXX, XXXX I closed my loan with CNAC and received a signed statement " Payment in Full, no balance ''. 
Upon closing my sale of my car XXXX yrs later on XXXX XXXX, XXXX, I discovered that CNAC had in XXXX sent me some sort of FAULTY DUPLICATE Title ( of which I had no knowledge or awareness necessary to ID a faulty/unacceptable title ). CNAC now ( on XXXX/XXXX/XXXX ) claimed some bogus balance due + interest/fees equaling {$110.00}. They would not provide the actual title unless I paid them. SO CNAC held my sale HOSTAGE for an INAPPROPRIATE, PHONY claim. I did not expect this problem so I did not have the Signed statement re " Payment in Full, no balance ''. I had no choice but to pay CNAC, otherwise I would lose my sale. 
As a large financial firm, I can not believe this is an innocuous, honest mistake. Rather this appears to be a phony rip-off, hoping that prior customers do not have their paperwork, allowing CNAC to strong-arm customers for bogus fees and claims, while using faulty titles as XXXX mechanism. 
And regardless, as a large financial firm, CNAC/J D Byrider has a duty, including Truth in Lending standards, to maintain accurate records and provide accurate, honest documents. 
Upon requesting the assistance of the XXXX, CNAC chose to blatantly ignore and not even reply to XXXX XXXX inquiries. A reputable company with a legitimate position on a matter would never just ignore an inquiry. That intransigence further indicates CNAC is knowingly and willfully engaging in Faulty Claims, Faulty Documents, Misrepresentations, and numerous Truth-in-Lending violations and disregard. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have received notification of a late monthly payment from GreenTree now called Ditech Financial LLC ( I think ). I previously requested supporting data from GreenTree of what month a payment was missed. I did not receive documentation to support that. I did get paperwork that looked like creative corporate accounting of late fees and interest charges. 
I pulled about four years of automatic payment records ( my mortgage payment has been set up to automatically pay every month for over 10 years ) from my credit union ( XXXX ). What I saw was a faithful printout of the monthly mortgage being sent out like clockwork at the same time each month for years. 
I do n't know where or why there is a discrepancy, but there seems to be. I suspect that GreenTree and now Ditech Financial are racking up fees and interest charges. 
I 'll say the same thing now I said before " show me the month that the payment was missed and I 'll pay it ''. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We filed for a home affordable modification with SPS -Select Portfolio Servicing and were approved we made our trial payments on time in the amount of {$1200.00} for all XXXX months they were due. Now XXXX comes and our XXXX payment after trial payments is due. According to our Modification paperwork we had no escrow shortage and the payment due was to be {$1200.00}. I called to make the XXXX payment today and I am told my payment amount due is {$1500.00}. So called back to question the payment and I was told that this was unusual, XXXX XXXX XXXX whom I spoke with stated that normally the XXXX payment is the payment agreed to in the modification and usually they do an escrow analysis about two months after the XXXX payment is due. It could possibly change how much I owe, but not til about XXXX or XXXX. He researched our documents and could not find any reason why our payment changed and also said there was no analysis done and that we received no paperwork to show any changes which according to RESPA I am to be made aware of in advance. Now I was told to make that payment of {$1500.00} or my modification would not be finalized. This is not what we signed a legal document stating and I want to get help to see if they are trying to scam me or get more money than owed. Can you please assist. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a car loan with Onemain Finance and was buying a new car using XXXX XXXX XXXX XXXX XXXX as the new lender. I called the one main branch where my loan originated and had them provide me with a payoff on XXXX they quoted me {$3600.00} and advised me as long as I paid it off on or before my next due date ( XXXX/XXXX/2015 ) the payoff would be the same. On XXXX XXXX XXXX XXXX XXXX XXXX paid Onemain Finance {$3600.00} and Onemain posted the payment XXXX/XXXX/2015. I thought everything was taken care of and I just needed to wait in my title to my old car that was paid off. I received a bill in XXXX stating I still owed Onemain money. Thinking there must be a mistake I called and they told me that I still owed {$1000.00} and in order to pay the loan off I could pay {$120.00}. I tried to plead my case but the branch was very rude and told me that if I did n't pay the {$120.00} by XXXX/XXXX/2015 then I would be responsible for the {$1000.00}. I 'm an elderly and did not know what to do I 'm on a fixed income and after paying my bills I did not have the funds to make the payment. I gave Onemain permission to speak with my son hoping he could work out a resolution. He called the branch and spoke with the branch manager XXXX XXXX who was again very rude and abusive. She told my son that the payment was not posted in time and had no explanation for why the payoff would change {$120.00} from the time I called or why the payment was not posted sooner. I have done business with Onemain for several years and have always paid them well before my due date and I always paid more than the regular payment. My son ask if they could assist with waiving any fees or helping and she replied that 's not how the do business screaming at him. My son told XXXX that we would be contacting the CFPB to file a complaint and she replied that Onemain is a large company and that one complaint would not make a difference. I am a honest and careful person and treat everyone with respect Onemain 's approach to customer service was the worst I have ever seen and I am still left with no explanation on how or why all this happened. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from the Van Ru Credit Corporation dated XXXX/XXXX/2015 stating that Van Ru was attempting to make a debt collection in the amount of {$25.00} on behalf of XXXX XXXX XXXX XXXX. I received no contact from XXXX XXXX XXXX regarding my " debt. '' The last I used any medical service through XXXX was in XXXX 2015 in which I processed payment on XXXX XXXX, 2015. This claim presented to me from Van Ru is erroneous. When I went to their online site at XXXX, I saw that the url was not secure meaning that if I were to disclose any financial information on that site, it would not be safe. The notice from Van Ru does not describe the service and date in which the obligation was incurred. I know the claim is invalid and I found multiple reviews online indicating the debt collection scams perpetrated by Van Ru. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been asking Wells Fargo Home Mortgage to provide me with information about my loan status and what I need to get current ( not counting my Bankruptcy protection amount ), but they can not seem to provide accurate information. I am in Chapter XXXX Bankruptcy so I have protection and I have been making my payments to the Trustee, yet Wells Fargo is threatening to foreclose on me. I do have some late payments to them after my Bankruptcy, partially because they do n't allow online payments XXXX making it even more difficult for me to manage my account when they should make it even easier ) and I have to mail them a check every month. Every time I ask them to provide me with what I owe them, they include the amount I have in bankruptcy protection, which is accounted for separately. I can not access accurate information about my loan online and have to talk to XXXX of their so called " experts '' in the bankruptcy department, who can never accurately answer my question. All I need is a printout of my loan information and how my payments have been applied. I also want to know how they are applying my Chapter XXXX Trustee payments. Futhermore, I tried to apply for the so called XXXX modification plan and they did their best to make sure I did not qualify. They said I had too much debt. The whole point of the modification is that I need help to make my payments, and reducing my mortgage payment would help, which is what the plan was created for. 

Company response: Company chooses not to provide a public response
Consumer complaint: Monterey Collections sent me a bill from 2009 from a company called XXXX XXXX that went out of business and or went bankrupt. Several years ago I turned them in for harassment and illegal collection practices. I sent them a letter many years ago with a do not contact. They have now contacted me per mail to tell me to pay up to a company that does not exist and out of there statue of limitations per CA Penal Code 1748.10. The only way I knew of this matter was when I was cleaning up my credit report. They will list it as new to start the process all over again which is against the Federal Law. Several other companies do this as well. Including the County of XXXX XXXX who refuse to comply with any and all laws on paid off bills and judgements. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: credit item ( partial account number ) XXXX 'XXXX ' shows account opened XX/XX/2012 and reported delinquent XX/XX/2012 ; thus not allowing 30 days. and according to payment history legend the time is to be 30 days past due. therefore due process was not observed and my rights were ignored. I would like this incorrectly placed credit item removed from my record. thank you.. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trustee for my mother 's insurance trust account. I have a Wells Fargo checking account XXXX that I use XXXX a year to pay the premium for the insurance policy set up in this trust.. I have never had a debit card for this account. I keep over {$1500.00} in the account so that fees will not be charged. Once a year I make XXXX large deposit and write XXXX large check. 
I had a balance of {$2000.00} in the account after the check was written in XX/XX/XXXX for that year 's premium. The bank does not mail statements to me nor do I access the account online. On XXXX XXXX, as I was preparing to make a deposit and write a check, I discovered that the balance had dwindled to almost nothing. I immediately contacted bank officials, met with a bank official at my local branch bank and filed Claim # XXXX requesting full restitution of the balance of {$2000.00} that was in the account.. Somehow someone had accessed the card number..XXXX assigned to this account and since XX/XX/XXXX was using the card number to make automatic payments to XXXX XXXX. All of these charges were coming out of my checking account. Of course I expected either Wells Fargo or XXXX XXXX or both to reimburse the money that was stolen from my account. Bottom line, Wells Fargo is responsible as far as I am concerned. Banks are responsible for having adequate security systems so that clients ' money is not stolen while it is in the bank. Banks should not expect clients to be responsible for poor security when the client has done nothing to cause a security breach. That is the bank 's responsibility. 
However, on XX/XX/XXXX, XXXX XXXX XXXX, Senior Vice President of Claims Assistance Center of Wells Fargo, wrote a letter to me refusing to pay the entire amount stolen from the account - he agreed to pay {$1000.00}, which he said was the amount charged in the 60 days prior to my complaint - for XXXX and XXXX. He claims that I should have been monitoring the account constantly and should have reported the discrepancy within 60 days. Because {$2000.00} was stolen, then {$2000.00} should be returned by Wells Fargo. They owe me the other {$1000.00} plus monthly service fees that they have charged due to a less than {$1500.00} balance. XXXX XXXX letter stated that they had removed any service fees, but that had not been done as of XX/XX/XXXX. Of course because of their refusal to replace the stolen money, the account balance is below {$1500.00} although it should be {$2000.00}. Surely they will not charge me service fees because they have refused to bring my account balance up to what it should be.. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX complaint XXXX to Citi Mortgage was issued, and I disputed it on XXXX. The response from Citi Mortgage states what is already in my documentation packet. The stated corrections in this response were already in place on my credit report when I submitted this complaint. I provided a snapshot of my credit report with a current status value of " 120+ days past due '' as of XXXX to a current status value of " Pays as Agreed '' on XXXX. I was not disputing the status of the account in this complaint. What I am disputing is the date in the " Date Reported '' field. It should not be XX/XX/XXXX. This was reported back XX/XX/XXXX, and should remain that way to show creditors that this account and issue is 5 years old. The company has not explained why the update to this account even happened XX/XX/XXXX. Why was the current status changed to " 120+ Days Past Due '' on XXXX. If I had not disputed this item, it would still be that way. The status was updated to Pays As agreed after I disputed it XXXX. This mistake has caused me to not get credit and pay higher insurance premiums. I want the date reported set back XX/XX/XXXX so that it is representative of when the settlement and release of mortgage was executed. Having a XX/XX/XXXX date as the date reported makes this appear as a current issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Selling a invalid amended note to bank of XXXX and servicing rights to XXXX and refusing to investigate the issue when brought up to there attension 

Company response: Company chooses not to provide a public response