AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian is allowing XXXX XXXX to report a re-aged inaccurate account that does not belong to me on my credit report. This illegal tactic is allowing XXXX to report the inaccurate information on my credit file for a linger period of time. I disputed this information with Experian last year and they confirmed that XXXX XXXX verified the accuracy of the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: to me 6 days agoDetails To whom thus may concern, This is to advise you that the company, Santander bank, NA, did not address my concern in the least. I had requested that they consider my request that I pay them $ XXXX until all my mtge arrears had been paid up and it was never replied to by either their attorney nor their mortserv person whom I had contacted when this arrears issue first arose. Note, my mtge payment had been deducted from wife 's checking account monthly until I, not my wife, declared bankruptcy last XXXX, 2015. - then they stopped making direct withdrawals from her account. I had been instructed to contact their point of contact office and did so several times. They sent me a packet of forms to fill out, including my financials, reasons why I felt that I should be granted a mtge modification and was told to include any documentation relevant to this case. I did so and received a very perfunctory reply from them which you wrote to me that they sent to me/ you? on XXXX, after their underwriting team took a few weeks to consider my request -- namely that I was turned down due to " item # XXXX '', which, a few pages into their reply, explained that this was due to the fact that my residence was a co-op! 
I then decided to file with your agency and have been receiving annoying calls from the bank almost daily. When I speak to a rep, it 's always the same thing -- badgering me when/ if I can pay, asking me if I can borrow from a friend or relative, can I liquidate any XXXX I may have, etc., never any discussion about my proposed installment plan. 
note, my initial complaint with them was NEVER resolved. I had asked them to forgive the approx {$930.00} they tacked on to my 2 months mtge payments which are in arrears, for legal fees ( {$820.00} ), + late fees and inspection fees for an additional approx {$100.00}, due to the fact that it was THEY who stopped my payments from being received and the fact that XXXX XXXX XXXX, Santander 's attny, never got back to me to resolve this issue nor to address my request for an installment payment way back in XXXX of last year, despite both my and my attorney 's trying to resolve this issue with her. 
And as for their telling me in their explanation what they have done or will do to solve my problem, they have done neither, just a very tersely worded account stating that since my home us a co-op, that I was not eligible for a loan modification, which is NOT even what I was requesting.p in the first place. All I was requesting was for them to accept my installment plan and to forgive that addtnl {$930.00} they added due to their malfeasance.. 
I do greatly appreciate your allowing me to firstly file my complaint with your bureau and secondly, to dispute my bank 's reply. Thanking you for your time given this matter, I am, Yours truly, XXXX 
Incidentally, I hit the DISPUTE BUTTON BUT IT KEEPS ON SHOWING " SUBMITTING '' Reply Forward 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I disputed an inquiry on my credit report directly with XXXX via certified mail. The letter was received, but there has been no response. Please remove this item from my credit report immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent a letter from Homestreet bank that I was pre-approved for a credit card and that I could apply online. When filling out the online application I saw the offer for a balance transfer and completed the steps. When filling out the creditor information and the amount, there was no prompt that stated there would be fee or a recalculation of my total that included a fee. Today I received my first bill and saw that I had been billed {$130.00} for the XXXX balance transfers that I had completed. Right away I logged onto my online account to review the terms of the balance transfer, to my surprise the only option was to requested a mailed copy of them and wait 5-7 days. I then attempted to do another balance transfer to see if I would be informed of the fee at this point, the website says " Balance Transfers are subject to the terms and conditions, including applicable fees, as previously disclosed in your Cardmember Agreement and/or promotional offer ( if applicable ) made to you. '' This is very deceptive, it does not clearly state what the fee is, how it is assets or even if for sure it will be billed. It refers you to your terms and conditions, a document this company assumes customers will just keep on hand. I called the company and was told that they can not waive the fee because it is valid, that if I had called a spoke with a rep to do the balance transfer then I would have been told over the phone of the fee. Or if I pay off the balance transfer in 30 days then they would waive it. I will pay the fee, if I have to. I just want this company to do better, I think the way this fee is billed is not in a way that is clear to customers and that is not fair. No one should receive their first statement and be surprised. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've complained about BoA unnecessarily delaying crediting my account because they want to float my money for weeks, and it 's become clear that BoA 's need for greed has again surfaced. TOday. XX/XX/2016 I attempted to deposit a check from my XXXX retirement account to my BoA checking account, as I have on many occasions at this branch only to be told that " the computer '' said there would be a delay in crediting my account because of the size of the check, which was $ XXXX. The last time they pulled this the check was at or just over $ XXXX and held me up for 2 weeks while they used my money to inflate their balance sheet. On most of my transfers between my XXXX account and my BoA account I deposit the money one day and it 's available the next. I do n't care if they report the deposit to the government in an effort to prevent illicit money laundering, or other criminal behavior, I 'm glad they do, but I 'm sick and tired of them holding me up in order to use my money for their gain. The BoA bank agent said that the " computer '' told her the bank had to hold the funds, and although she did n't say it would be 2 weeks, that is what it was the last time they pulled this trick. Actually they pulled it with a BoA credit card refund as well and I think I complained about that too. BoA is run by a bunch of bandits and they need to be fined or jailed. I would n't be writing if I was a new depositor, or this was a first time transfer between these XXXX accounts, but I have a long history of making these transfers to cover family expenses that exceed my limited retirement income. I had the branch cancel the deposit and return my check, which they did and I told them I would file a complaint with the government, which I am. Congress wont lock these thieves up, I will if this was an illegal act. 

" The computer said '' is not a satisfactory excuse and unless there is Federal Law that says they have to delay giving me my money, this is not only horrendous customer service, if it was an illegal tactic then I want the appropriate penalty to be levied. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX and Greentree and Ditech are all adding fraudulent charges to my account just to try to take more money from me that they are not owed. I wrote a check to them for my full mortgage payment every single month since the inception of this loan, for full principal and interest payment and they cashed my checks and did not credit the amounts to my account. I called and wrote and tried forever to resolve it with them. then they started collecting my checks and holding them and not cashing them. by miscrediting my payments and then later not cashing the checks at all, their scheme was to then start charging me all sorts of fees and accusing me of being late and not paying. they called many times and spoke rudely and calling me names and threatening me with foreclosure and would not acknowledge the reality of the situation which is that they received and cashed my checks. then they began returning my checks to me after holding them for months. they continue to threaten me with foreclosure. I tried to talk to their attorney who also seems to be in on the scheme and told me and my attorney that I should stop sending checks because if I dont send a huge amount with the thousands they allege are overdue they wont accept the checks. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts. 
The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable. 
On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out. 
XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding. 
overdraft fee XXXX overdraft item fee also. 
check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX. 
In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for. 
went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit. 
After complaining to bank they would not let me online again. 
Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Monday ( XXXX ) my opening balance with TCF was over {$300.00} and XXXX transactions from the weekend were already posted to my account. I had XXXX transactions that day, totaling {$390.00} and no other transactions. When I checked my account on XXXX, TCF charged me {$140.00} in overdraft fees for the XXXX transactions that had already posted to my account. When I asked why I got charged overdraft fees for those instead of the pending transactions, the TCF rep said it took money from my account to cover the pending transactions. When I checked my account today ( XXXX ), I found I now have been charged overdraft fees for those XXXX pending transactions as well, bringing my total overdraft fees to {$220.00}. Since none of the XXXX transactions were more than {$200.00}, I do not understand their logic. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX I sent Pinnacle Credit Services a certified letter asking for them to provide validity of debt. I have not heard anything back from them ever. I then on XXXX XXXX, XXXX sent a no response letter and XXXX XXXX, XXXX final no response letter. They have disregarded the laws put in place by the Fair Credit Reporting Act. This account should be removed from my credit report at this time. The debt has not been proven to be valid. his has been very time consuming. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Central Portfolio Control recovery services has been calling me nonstop about a debt owed to XXXX. I do n't have any written documentation about this debt, and I contacted XXXX, the original creditor, to resolve the issue. Customer Service told me they did n't have any record of my owing them, and they searched my email addresses, telephone numbers, and physical addresses. Then, they transferred me to Credit, and that employee told me I had to contact the collection agency, they had no information, they sold it to CPC. I told them if I owed XXXX, I wanted to deal with the original creditor, and pay them. I was told that XXXX had nothing to do with it, I needed to call CPC. I am tired of CPC calling my home, I am being harassed by CPC. XXXX is n't helping me at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: regarding case XXXX Experian did nothing to fix this issue. They refuse to properly update the information and claim it was already verified. Maybe they should verify with the XXXX Bankruptcy court! The XXXX other crediting reporting agencies XXXX are reporting it correctly as discharged in XXXX. This debt was discharged in Chapter XXXX BK. It would be illegal for them to claim they sold the debt or transfer it as Experians report reflects. There report shows it as a collectible debt! It should read discharged in Bankruptcy. By them not reporting it properly I was denied credit because they used Experian to pull their data. My Experian score is XXXX lower then both XXXX because of Experians false reporting. Experian is in violation of the FDCPA by misreporting and refusing to accurately verify the data. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had my XXXX services back in XXXX and had services bundled internet, cellphone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My family and I decided to downsize and move. When we moved we removed TV and Cell services and only had internet. Months later I found I had a collections account through Stellar Recovery, Inc. for XXXX for XXXX XXXX I called XXXX and found that the service was for cell service, which was through XXXX. So I called XXXX and was told that they were showing all XXXX amounts were current and paid, however XXXX was showing otherwise. By this time it was to late and was already reporting negative on my credit. I recently disputed this with XXXX XXXX, and XXXX. XXXX had the accounts removed after investigating while XXXX showed it to be still reporting. I refiled an investigation with XXXX today. I do not owe this money ( XXXX $ ). This was a miscommunication issue between the XXXX companies and am not liable to pay this as I did pay in good faith. I would like this to be removed entirely for all XXXX bureaus on my credit and investigated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please see disputes : XXXX,XXXX, XXXX, XXXX, XXXX. These are ALL disputes for the SAME creditor. In the previous disputes, they admitted that hey do not have me in their files nor can they find me. When I disputed their false charges again through Transunion, they " suddenly '' invoiced me AGAIN! Invoice is attached. This is unacceptable and after admission that they do not have me int heir files, this creditor has no basis to assume these charge are mine just because I made a dispute! For the 8th time, this charge is NOT mine. The name on thsi charge is not even mine! My full name is XXXX XXXX, it is NOT XXXX XXXX. XXXX XXXX is my MOTHER. For the love of all that is holy, these charges are NOT mine and they need to be removed ASAP! I again reiterate that I had NOT received anythign from Gen Bus Recoveries until I disputed the entry on my XXXX report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We attempted last year to get a modification and after months of stalling on Bank of America 's part they offered us a modification which was higher than our current payment. We declined after which we received numerous paperwork stating what our new payment was to be including an escrow account, which we do not want as we have never had one and handle the taxes and insurance on our own and have never had an issue. They have now paid our insurance and taxes and not credited our account with any payments towards principal and interest for the past three months. They have also reported us to the XXXX credit bureaus as having late payments even though our mortgage actually was discharged thru Chapter XXXX bankruptcy in 2008. Now they say we can not get rid of the escrow because we are " late '' on payments. Also we can not go outside of Bank of America due to the late payments appearing on our credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a private student loan consolidation loan through Wells Fargo with a cosigner. I have been making my loan payments on time since XXXX/XXXX/XXXX and I made my first loan payment on time on XXXX/XXXX/XXXX. That is 73 payments on time in a row. According to Wells Fargo only 24 payments in a row, since I paid my first payment on time, are needed to release my cosigner. I applied to have my cosigner released. I had to call and request a form from Wells Fargo. I got the form and signed it and added a pay stub as proof of income. Then mailed the form back to Wells Fargo. Despite my income of over XXXX gross a month and good payment history on the loan I was denied a release of my cosigner by Wells Fargo since I had a bankruptcy on my credit 6 years ago. I feel this requirement for releasing my cosigner was never disclosed when I got the loan. Wells Fargo misled me about how hard it would be to remove the cosigner. I feel this new requirement of never having a bankruptcy is n't even a valid requirement because these student loans can not be dismissed in Bankruptcy. I will submit my payment history on the student loan, The letter I received saying I was denied and the reason, and I will submit a pay stub for proof of income. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received several letters from BYL Collection Services LLC about an alleged debt that I do n't owe. I requested validation of this alleged debt and received some papers that do n't show any of my personal information such as Date of birth and Social security Number. I have relayed that information to this company but they continue to send me letters to settle. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: cfpb compliant # XXXX Sometime in 2015 a so call, friend, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , Maryland XXXX, ( XXXX ) XXXX illegally and without my authorization apparently withdrew over {$40000.00} from my SunTrust checking account. SunTrust bank allowed this to happen and refused to investigate after my repeated request to do so. Another friend and neighbor, XXXX XXXX on my behalf went to SunTrust Bank several times and requested that they investigate the theft of my funds. I requested SunTrust to forward my checking account statement including copies of all withdrawals. They refused to do so. At no time knowingly did I give XXXX XXXX a financial power of attorney to make withdrawals from my bank account. 

Company response: Company chooses not to provide a public response