AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have had an offer on my house that is the amount Wells Fargo set as the purchase amount. That was XXXX months ago. They keep stalling and asking for the same paperwork over and over again. Why, I cant take care of the property any longer and am moving out as we speak. I would not be surprised if the potential new owners walk.Not my problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was with XXXX and then Green Tree purchased it from them. Ive had a loan mod. through Harp and have been thru bankruptcy. Since my BK Green Tree has harassed me calling me to see when i will be making my payment, even though Ive never been late since they took over. They are ruining my credit by not reporting my payments on my credit report it says derogatory and no payment history. I believe I am a excellent customer and they are a predatory lender with no scruples. I have worked hard to save my house and rebuild my credit but this means nothing to Green Tree Servicing! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Tax liens have been released. 

Company response: Company chooses not to provide a public response
Consumer complaint: Navy Federal Credit Unionsays I owe them money but will not show me any account documents, wont send them to my only known address, Our LAW FIRM sent NFCU and XXXX & XXXX Affidavits stating XXXX XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX XXXX WA XXXX and no other. NFCU continues to LIE and comitt criminal activity, their phone number NFCU 's XXXX is always busy and NFCU is rude and refuses to address this issue. If the accounts of service members are being compromised then this is a national security issue. At the very least their should be correspondence from NFCU to XXXX XXXX XXXX XXXX, there is NOT! Please understand that this needs to be turned over to the Department of JUSTICE for continued criminal investigation. MORE DATA BELOWResponse disputedXXXX said : Explanation of closureXXXX has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX has been deleted and the disputed Navy FCU XXXX is currently not reporting on the XXXX credit file. 
ReliefThe disputed address has been deleted. 

ResponseXXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within XXXX days. 
WHAT HAPPENEDProduct Credit reportingIssue Credit monitoring or identity protection : Problem with fraud alerts ( initial 90-day, extended, active duty, etc. ) Describe what happened so we can understand the issue ... 
Identity Thief tried to establish a Navy Federal Credit Union AccountThe Identity Thief 's address isCurrent/Previous Street Address Date Reported TelephoneCurrent XXXX XXXX XXXX XXXX, FL XXXX First Reported XXXX/2015Last Reported XXXX/XXXX/2015 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -for which I notified the Criminal Division & Civil Rights Divisions in the Dept of JUSTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: complaint about Rash Curtis & AssociatesI had no clue what this account was back in XX/XX/XXXX .... I was contact by a company XXXX XXXX XXXX and was told i had XXXX accounts with home plus and was over {$3000.00} not knowing what this was but was trying to clean my credit i paid there settlement o XXXX releasing me from these account and they said they would report to all XXXX credit bureaus. I have been fighting to get theses off my credit I made a few phone calls and got know where. rash curtis just gives me the runaround and cant provide any documentation. now there re-reporting and changing the dates from XX/XX/XXXX to XX/XX/XXXX?? i have a documents to prove this was paid and that they contentiously are change how they report on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TransUnion has wrong info on my home equity loan pay off. 
My XXXX home equity loan was paid off on time. I had XXXX late payments a few years ago but this loan was paid off on time. I went to them and they said they reported it paid off by consumer. Trans Union has it listed as paid Derogatory. I filed an online investigation with them and it still came back as derogatory. The bank says it filed with all the credit reporting as Paid Off. Transunion has it as derogatory. 

Company response: Company chooses not to provide a public response
Consumer complaint: One of the issues I have is my mother 's name is coming up on my credit report as if it were mine. We have the same name however XXXX. She has been deceased for 5 years now, however it is showing up. 
Another issues, is there is tax lien information coming up and the status is showing as paid. 
And lastly, I have school loan companies that are showing up as accounts I have, however I 've consolidated my loans and now only XXXX provider is handling my case, but the original providers are showing up as accounts ( with no dollar amount ) I 've had and they never really handled my case. How can I get those accounts off, when I no longer have any ties with them. 
Any information you can offer, will be greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo in an effort to assume, modify or refinance a loan so I can keep my home. I have submitted documents as requested yet the lender is stating that they have not received the documents and or it has not been processed. My aunt recently passed away and I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. 

Company response: Company chooses not to provide a public response
Consumer complaint: The respondent was the broker for my mortgage to purchase my property. The transaction closed on XXXX/XXXX/2014. Prior to closing on any property, I had been given lock-in of the mortgage interest rate that lasted anywhere from XXXX days, which was done prior to closing. My mortgage broker/loan officer, XXXX XXXX, an employee of the respondent, left the loan float without offering the option to lock. In fact, the lock-in documents I have were executed at the closing table and were for a XXXX day period. Therefore, he left the loan to have a floating interest rate. This caused my interest rate to increase from the quoted 4.25 % to 4.5 % and was reflected on the HUD documents. This increase caused me to incur {$13000.00} in extra interest costs if the loan is carried to term. I was angry but remained silent. Six to nine months later, XXXX XXXX contacted me to refinance at 3.8 %. I explained that I was upset about the previous loan and that if he was contacting me I would help him out to earn a XXXX commission if several conditions were met : 1 ) Absolutely XXXX closing costs or refunding of the escrow 2 ) No increase in the loan amount, and 3 ) the interest rate quoted was locked in. When XXXX XXXX ran the loan and failed to meet these pre-defined parameters, he became aggressive. I demanded and spoke with the CEO XXXX XXXX who told me he could not make the loan because they would not make any money with those parameters. I explained in detail what happened with the original mortgage and the failure to lock in the rate. Because the position of loan officer, is a variable compensation position, there is an inherent conflict of interest between any loan officer 's personal priorities and that of the borrower. Because of XXXX XXXX 's flaunting of an expensive personal taste ( golf outings, high end automobiles, and vacations ), I felt that his interests were conflicted. As such the terms provided were best for Greentree Mortgage and not the customer. 

Since this time, I spoke with other mortgage lenders and explained this situation. The mortgage lenders were with XXXX XXXX, XXXX and XXXX XXXX. Both, independent of the other, stated that the practices outlined above are highly unusual. Both lenders encouraged me to file this complaint and educated me on the CFPB. 

I have received calls from XXXX XXXX claiming that I was causing him to lose his job and making him look bad to his boss. He stated " I hope you never see me in XXXX. '' The tone of his comments could have been understood/misunderstood to be in a threatening tone of voice. In response to my demands for a refund and a confidentiality agreement ( which would render me silent ), he threatened to call the XXXX XXXX Police Department and file charges against me for extortion. I explained to XXXX XXXX the definition of " disgorgement of ill-gotten gains '' and how my demand for a refund is not extortion. Details of this call were able to be recorded because New Jersey is a one-party consent state when it comes to recording telephone conversations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint is against Bank of America and their handling of my mom 's payable upon death accounts. My brother, sister and I were told over the phone to come in, bring the death certificate, identification and we would be issued a check for our money at that time. Instead, when we arrived and filled out the appropriate paperwork and provided identification, they informed us that we had to wait 15 days for their legal department to review our request. They would n't say why they needed to review, but they just needed to review as " policy ''. After we objected, they said they could get us our money in 3 days. But that 's not what we were told over the phone. But it does n't start here ... when our mother tried to set up the beneficiaries for this account years ago she was told everything was set, but was always curious why not all our names were on the account. We brought this up at a branch in Florida and they said that " all the names did not fit on the line but that it 's set ''. Upon further questioning, it turns out the account was set up incorrectly, and not all our names were on there. After hours of trying to get a straight answer, and dealing with rude people, the account was set up correctly. And then she passed about five months later. Shortly after, our brother who is the trustee of the accounts, went to see the procedure to get the money at a B of A located in XXXX XXXX, XXXX. He was given a form to fill out, but then the bank representative refused to notorize it, claiming " we were not a customer of the bank ''. You meant to tell me that having more than $ XXXX in our names does not count for being a customer of a bank?? The service and ineptitude at B of A, in their XXXX, XXXX branch, their XXXX XXXX, IL branch and their XXXX XXXX branch is appaling. And what 's their resoning to keep our money for 15 days as part of " policy ''? We went to the XXXX XXXX XXXX where our mom had $ XXXX and we went right up to the teller and she gave us our money. I understand credit unions are supervised by another regulator, but the Federal Reserve should look into this " policy '' of B of A -- and what 's that policy bringing them -- probably millions of dollars in banking revenue for them. They have no right to put a so-called " hold '' on our money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX XXXX XXXX on XXXX/XXXX/XXXX, I paid my co-pay during the visit. XXXX XXXX XXXX XXXX tried to use incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted them stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas, which denied their claim stating the submission as 12 months past service date, and I was liable for {$0.00}. 

I will be submitting the explanation of benefits for the original service date, and the resubmitted XXXX from XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I contacted via phone Experian regarding a current address in XXXX, XXXX they are reporting as mine on my credit report. Experian would not let me dispute this via mail or online. I have never been to XXXX, let alone lived there. The customer service person told me that despite the fact that the address when googled is that of a law firm, they can not delete this false information. The Experian rep told me I would " have to contact XXXX XXXX to request removal of this address because they are the ones reporting this information. '' This is not my job to contact XXXX XXXX with such requests. It is Experian 's job to verify this information. I have lived at the same address in XXXX, XXXX for over 10 years and vehemently deny that I have ever lived in XXXX, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Medical insurance information was not accurate and so they did not submit the bills to my insurance. I fixed the information and my insurance company should cover and pay for my outstanding medical bills. I gave them the information a couple of months ago and nothing has changed on my credit report. I do not owe these bills.
Company response: Company chooses not to provide a public response
Consumer complaint: Robo calls in violation of TCPA, also releasing information that is confidential if this is not XXXX XXXX it contains information that is regarding a debt collection attempt. Their email is XXXXXXXXXXXX, XXXXRadius Global Solutions, XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX, Fl. XXXX. The account is for a credit card from 2007. 

Company response: Company chooses not to provide a public response
Consumer complaint: The mortgage company, Wells Fargo, miscalculated the initial deposit of funds into my escrow account. Now my account is approximately {$3400.00} short. Our house was NOT new construction. I have been working with Wells Fargo mortgage department for over the last XXXX weeks and I have still not be able to resolve the issue. Wells Fargo has refused to accept the blame for the mistake and will not return phone calls ( including supervisors XXXX. I have reviewed all my closing paper and HUD-1 statement with my relocation company, the closing title company, my realtor, and an old realtor we used to sell two previous house ( in another state ) and all parties agree that Wells Fargo made the mistake. I think Wells Fargo 's consumer service is completely unacceptable and it appears that they do not care. If anyone else made a similar mistake in another type of business they would be held accountable to correct the mistake at their expense. I want this issue resolved ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: Stellar Recvery Inc. and XXXX together Placed a derogatory collection line on my XXXX Credit File on XXXX/XXXX/2016 before and without sending me any notice to either make me aware of the debt or explaining my rights to dispute. Stellar failed to perform proper notification in writing required be ( FCRA ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I currently have a loan with Santander Bank loan # XXXX on my property located at XXXX XXXX XXXX in XXXX ma XXXX. At this time It is in foreclosure and an auction scheduled for XXXX XXXX, 2015 which is next week. For 8 months we have tried working with the bank on a loan modification supplying them with all the required documentation ( sometimes XXXX and XXXX times ) After all this time they have denied our modification and now want to auction the property. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a high deductible insurance plan just like a lot of other people do. In XXXX of this year I was sent to XXXX hospital for a study ordered by my doctor. when I received the invoice it was over XXXX in which a was making regular monthly payments as I could. when I received the last invoice it was at a XXXX balance in which they stated they wanted it paid in full. I sent them a payment in which I could afford that week as I have been since XXXX they cashed the check and sent the balance of XXXX to collections. Now this is not the XXXX time I have had problems with XXXX hospital billing, they have sent me to collections for duplicate billings in which have been paid, their billing practices need to be looked into. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I began a loan modification 5 years ago with XXXX XXXX when I lost a portion of my job after the housing debacle created an economic downturn. I have applied numerous times with XXXX and although I qualified, they rejected my application time after time for erroneous reasons which threw me back into the system. They were finally unable to give me any more excuses so sold me to a new servicer with the same investor ( XXXX ) who then sold me to XXXX with BSI Financial as the servicer. I applied with them and they denied my application stating my arrearages was too much and do not have sufficient income. I do have sufficient income and the banks not taking my payment any longer threw my loan into arrears. I feel that this whole thing has been a scam and had I known in the beginning it was going to be like this I would have never done it. I worked hard for my house and do not want to lose it and I have done everything I have been asked and qualify, but they want my house and are not willing to work with me. These banks are crooks and were all bailed out and were suppose to extend the benefit on to the people, they have done nothing of the sort. I can see why people throw the towel in because they make it so difficult. My interest rate is 6.75 % and they could very well reduce my rate and make it easier. I am asking for help. They are saying even after I appeal this time that there will be no more appeal so time is of the essence. Please help. 
My name is XXXX XXXX I am at XXXX XXXX XXXX in XXXX, XXXX XXXX. My phone number is XXXX. My email address is XXXXXXXXXXXX. My loan number with BSI Financial is XXXX. My contact is XXXX XXXX XXXX - XXXX. The current letter I received is from Loss Mitigation dept. That address and number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - Fax # XXXX. They said I have to have the appeal in by XXXX/XXXX/15. 
Thank youXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: about XXXX weeks ago, I filed a dispute with Transunion about an item on my report. it was reported XX/XX/XXXX as delinquent. it was paid in full in XX/XX/XXXX but still remains on my report. I called them today and they told me the law say 's it can stay 10 years. this was a bank loan that has been paid in full since XX/XX/XXXX that is 8 years ago. could you please have them remove. bank in report is XXXX XXXX Bank XXXX, in XXXX XXXX, AR. the way I understand the law, is that only bankruptcy 's remain for 10 years. thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello. I 've been working with XXXX from Primere Residential Mortgage , Inc. in XXXX, KY. First, I 've been repairing my credit for a year to get my score where it needs to be. I understand the consumer report may show a different score than mortgage companies calculate ; however, I did not expect there to be inaccurate information. Primere Residential uses XXXX XXXX to provide the FICO score to determine your loan eligibility. However, their middle score was XXXX versus my XXXX middle score. I compared the XXXX and immediately realized XXXX XXXX had old information. At least 3 months old. 1st, my credit utilization was showing 85 % on their report, but XXXX was reporting 30 %. I can calculate this myself and I had been at 30 % for a few months. Also, they showed a collection in the amount of {$300.00} that I had already disputed w/ the XXXX credit bureaus and had removed about four months prior. When I called to ask why there were discrepencies, XXXX XXXX refused to talk to me, the consumer. They said that the mortgage agent who requested the report must call. When I contacted XXXX, he basically told me to keep working on my credit and did not call. He said he talked to his boss and there was nothing they could do, even though I had supporting documents showing that the information being reported was inaccurate and more than 30 days old. I can not fix something on my credit report that the bureaus have already removed. The report is wrong, yet the reporting company and the mortgage lender refuse to fix the errors OR even explain to my why I 'm seeing those errors. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My ex-wife was ordered by the Florida courts to pay the XXXX XXXX XXXX mortgage and to remove my name from it, she did not do that. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has reinserted the creditor XXXX XXXX on my Credit Report. I contacted both XXXX XXXX XXXX and Experian notifying them that the debt does not belong to me. The address that XXXX XXXX XXXX had associated with me is not my address and has never belonged to me. They also attempted to add and report a new address to my credit report file after they were removed from credit report and now they are reporting back on my report. XXXX XXXX XXXX has used different tactics to add information to my report even though it does not belong to and Experian does not provide their methods of a reasonable investigation. Accepting the electronic answers via XXXX is not a reasonable investigation. I would like to know what type of investigation has been conducted by Experian to report XXXX XXXX XXXX on my report and why are the back on my report. How can they attempt to report different addresses on my report. They are phishing for information so they can report on my credit report they do n't. XXXX XXXX XXXX needs to be removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/15, I was charged on overdraft fee when I was not over drawn. 

Company response: Company chooses not to provide a public response