AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XX/XX/XXXX Bank of America recorded a reconveyance on my property, in error, that has nothing to do with me or my property. I live in XXXX the reconveyance should have been recorded against a property XXXX. XXXX should have been done XXXX., XXXX XXXX I thought the problem was resolved sometime ago, however, when I refinanced my mortgage XX/XX/XXXX, this problem " popped up again. '' I have called, written, ed faxed and provided all kinds of documentation, but to no avail.I was give a case number # XXXX which I am told was closed due to lack of a Title search. There was a title search done during my refinance and the title company forward a letter explaining the problem ( see enclosed ). Apparently this letter was rejected or ignorned. I am unable to speak to anyone other than a " clerk '' who reads notes off of a computer file, which do not make sense to me.. XX/XX/XXXX I asked if someone could contact me and give me proper instruction and was told I would receive a call within 24-48 hours. As of this writing XX/XX/XXXX NO CALL. The number I provided is my cell phone which is on all hours that I am awake. No return calls, no voice mails, no e-mails. Typical for Bank of America. All I would like to do is to have the XXXX XXXX reconveyance voided or removed from my property. Do not want any problems if and when I decide to sell my home. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed an " Adverse Account '' with Transunion multiple times in reference to an old account which is : XXXX Bank, a revolving credit card account which I included in my Chapter XXXX Bankruptcy filed on : XXXX XXXX, XXXX. XXXX stated they did not XXXX I filed for bankruptcy until XXXX in which they then closed the account. 

I submitted a letter to XXXX regarding the closing date which they admitted was in error, and should have been in XXXX not XXXX, but have not responded to my letters, or have submitted this correction to Transunion, so Transunion can delete this account from my file. 

Transunion stated that by me continuing to dispute this information was frivolous, and that they were reporting this information correctly with the Fair Credit Reporting Bureau. Transunion is reporting this information with " account included in bankruptcy under " Pay Status '', and Chapter XXXX Bankruptcy under " Remarks. '' Transunion removed the Chapter XXXX Bankruptcy from my file, but not the XXXX account, which should have been removed in XXXX XXXX, XXXX. 

Transunion has the removal date as : XXXX XXXX, XXXX, not XXXX XXXX, XXXX, which would make this account 9 years old. 

I am requesting that Transunion update, and remove this account immediately from my file. 

Company response: Company chooses not to provide a public response
Consumer complaint: BY the way, the CFPB 's dispute site is not very user friendly. The options are limited for the complaints. I want to submit that all XXXX major credit reporting agencies dispute process on-line is not easy. These should be consistent and not require so many hoops to jump through. It should pull up your report and allow you to dispute each item and upload any additional documentation for your dispute. While some may offer these options, Experian is almost impossible to submit a claim as it kicks you out of your session then tells you you have to mail in your dispute? How inconvenient is that? 

Company response: Company chooses not to provide a public response
Consumer complaint: National Credit Systems continues to report the same account multiple times to my credit report. This reflects negatively on me even more so than the original claim. They have been doing this ever since they first started reporting. I understand that they report to all XXXX credit agencies, but they are currently reporting twice to XXXX. See attached. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to mexico and enjoyed a day of swimming with the dolphins. Once the day was finished I went to buy pictures with my credit card. During this time dolphinaris credit card machine went down. They swipped my card 5 times with no success. The dolphinaris said we will bring your pictures to your hotel for cash payment. I was ok with that. When I arrived back XXXX I noticed XXXX charges on my credit card. I immediately called US Bank and disputed the charges, the bank took off all charges and credited back my account, then one of the charges were added back to my account till I could prove I paid with cash, I asked if the bank could get my signature verification, I was told no they do n't do that and people do n't sign their cards anymore, It was up me to get prove I did not charge my card and that I paid cash for my pictures. So that is exactly what I did. I got the proof after about 3 weeks. I sent this information though XXXX mail as well as to these fax number XXXX XXXX, Every time I have sent to these numbers it appears that nothing is being done. I spoke to a XXXX, XXXX, XXXX, XXXX to XXXX again on XXXX and sent the fax over nothing was doneSpoke to XXXX XXXX XXXX and then XXXX XXXX XXXX, fax was sent nothing was done. 
spoke to case manager and she was extremely rude and unprofessional and was unwilling to help. 
Spoke to XXXX today XXXX XXXX and said that XXXX did receive my fax but was unsure what happened to the fax. XXXX stated that something on their end is not being done right and that this was not my fault. She also stated that I could send the fax to her directly. I asked what can she do that no one else in her dept has n't already promised me. She said as soon as she sees in come through she will call me. I said that is fine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told at the first of XXXX of 2015 That Green tree Servicing now Di-Tech Financial that because I had to stop payment on a Cashiers Check that Green tree lost that they would refund me my money back on doing so that I could get them another cashiers check out to them. I have sent several documents and proof of the amount paid and they the bank statements that they wanted. I have been told my refund would be returned to me in 30 days and here we are 90 plus days over and they still wont pay my refund. I want my refund back and I do n't want them to contact me anymore about my home. I have had enough of their lies and this is not the first time I have had to report them going back on their word.I just reported them a couple of months ago for not doing a repayment plan with us when they said they would. I have called several time asking where my refund is and I was told it is in the mail which it was n't. I would just like for Green tree to just once promise to do what they tell people. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have made numerous contacts, ( copies will be attached., ) with Ditech , ( my mortgage servicer ), requesting to initiate procedures to eliminate my PMI charge of $ XXXX per month. They have taken more than four months to schedule an apprasil which as yet is not scheduled. It took XXXX XXXX XXXX to XXXX XXXX XXXX, 72 days and XXXX phone calls to be told that I have to authoize an apprasil in writing. I sent this auuthoriztion by email on XXXX XXXX with a copy by XXXX mail. I was told by email from Ditech on XXXX XXXX that an apprasial had been ordered. On XXXX XXXX, they told me by phone they could not tell me who the apprasier was that they only had an ID number and I should be contated by the apprasier within a week. I was contacted on XXXX XXXX by a person to schedule an appointment. During that appointment I learned the this person was not an appraiser and she had received an ordfer three days eariler to provide Ditech with a Professional price opinion. Obviously, rather than send an appraiser on XXXX XXXX, as promised, they sent a person to do a " professional price opinion '' which they have and will not furnish to me. I requested the opinion the same day it was availabel to them. 
I am fully aware of the procedure for eliminating PMI and do no believe their Procrastinating techniques in order to collect more PMI premiums ar within the law and obviously costing me money unecessarilyCan you help!!!. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Payments are held and/or destroyed by automated processing equipment. My payments are " made months ahead of time '', " I am not behind ''. I made XXXX payments in XXXX for XXXX, XXXX, XXXX. & XXXX, XXXX payments were processed, XXXX was lost. All XXXX payments were in the same envelope. Last week XXXX XXXX I made XXXX payment again. Mailed first class to local XXXX address. M.O. for {$1000.00} & Personal Check for {$280.00} total equaled my required monthly payment of {$1200.00}. Ditech does not show receiving this payment. 
Back in XXXX XXXX Ditech held my payment until a late charge was due. In XXXX XXXX Ditech refused to credit my XXXX XXXX payment because XXXX late charge was due. Instead of crediting my payment Ditech put the payment in unapplied funds. They said they did that and would not apply the payment until the late charge was paid. My Deed of Trust says all payments shall be applied as follows : Late charges are last in line. The Deed of Trust does not give Ditech authority to not apply payments if a late charge is due. This company is not applying payments on a timely manor and is creating late charges by holding checks and the automated equipment is not working properly and is destroying checks. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive a pre-approve letting regarding a loan offer and the letter verification code is XXXX XXXX XXXX, I called them to find out about the offer, I told them before I let her to run my credit, I asked her what credit score that they require to qualify someone, she told me that they require XXXX credit score and I told that my credit score is about XXXX, I told her that I have that I have a lot of deft, she asked me if I have any federal delinquent, I said to her that I am not sure that it is federal but I did sign up a loan with XXXX for someone he did not pay the loan and I found out and I paid the loan off with my own money just yesterday and I said to her that to her the reason that I giving you all the information in front because base on my situation if I knew I am not going to be qualified I would not let you run my credit and I interested in this offer just to pay off my deft, and she told me it should not be a problem then, so I let her running my credit then she came back telling me that my credit score is XXXX and I have a delinquent with XXXX, therefore they can not qualify me, when I asked her what score they require to qualify someone she told me XXXX and my score is XXXX according to her when I told her about the delinquency with the XXXX and I just paid off yesterday and she told me it would be fine, I also told about the level of my deft, I told her all these in front just to make sure that before I let her running my credit score and told her that I know if you let people check on your credit a lot that would diminish your credit, that is the reason why that I told you all my information in front to see if I can let you run my credit, and when she come back with her decision I tried to remind her what I told her, she was very rude and she said that she told me that she said to me that they required XXXX credit score when she did not, she told me XXXX credit score, I am filling this complaint because I feel so misled, deceived, 

Company response: Company chooses not to provide a public response
Consumer complaint: loan XXXX score different and incorrect from personal XXXX score. Multiple requests for XXXX report and no responseregarding why. ref report # XXXXExperian report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Per my XXXX credit report this company has unlawfully and doesnt so without my permission pulled my credit report XXXX times in the last 18 months. The information below is taken directly from my XXXX credit reportFIRST NTL COLL BUREAUXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received my credit report from XXXX XXXX. There are a number errors. I do not or ever had a XXXX XXXX credit card. I complained about this error a few times over the years. 
I have never lived XXXX XXXX XXXX XXXX XXXX, or at XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. These errors were supposed to be corrected a few times but keep coming back. 
Thank you for any help you can give me. Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am paying only partial of my student loan and I was advised, by Cornerstone ( XXXX ), that i would still receive phone calls, that was fine, but I told them not at work. I have literally told this company over 50 times to stop calling me at work and call me after XXXX XXXX. I got so mad that I blocked the number. Now they are calling me from another number! I have told them every week this month to stop! They are being deceptive even though i have communicated with them and are paying something when I can. 
They call when my bosses are in my office and are listening to me tell them not to call me at work. They have forced me to discuss my personal life with my bosses because of this, which makes me look bad! I do not know how to get them to stop! I have been nice, angry and nothing works. I 've even spoken with a manager about this without a resolution. They promised me it was taken care of. 
They are going to make me lose my job if I keep getting debt collector calls while I am working. 
Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: I pulled a copy of my XXXX Credit report and found a listing from this company as collection item for {$770.00}, original creditor XXXX. I already paid a debt to this company for {$160.00} paying off a collection account. This {$770.00} debt is not mine, I have never received any statement from the original creditor or Gold Key credit. This violates federal law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern, I have been fighting Wells Fargo for years in regards to a foreclosure on my property. They do n't seem to believe they need to adhere to the laws of California or the guidelines, rules, and regulations that pertain to them. On XXXX XXXX, 2015, I mailed to Wells Fargo Home Mortgage, my servicer, a Notice of Rescission to cancel my loan transaction. It came to my attention recently that the opportunity to send a notice of rescission to them was still available because consummation of my loan had not yet occurred. Pursuant to the Federal Truth In Lending Act, hereinafter referred to as TILA, the notice of rescission is effective upon mailing. It automatically cancels out my deed of trust and the liability. To my understanding, under the statute, the promissory note and lien becomes automatically void by operation of law. 
I mailed out the notice of rescission to Wells Fargo on XXXX XXXX, 2015. Wells Fargo received the notice on XXXX XXXX, 2015. Pursuant to TILA, Wells Fargo had twenty ( 20 ) calendar days from receiving the notice to either file a declaratory action against me to challenge the notice of rescission or to take the mandatory steps required under TILA. Wells Fargo did neither. The only thing Wells Fargo did was send me a letter stating they received my letter. Pursuant to TILA, the security interest is void and of no legal effect irrespective of whether the creditor makes any affirmative response to the notice. There is nothing in the statute that gives Wells Fargo the right or authority to grant or deny my notice of rescission. Had they disagreed with my notice of rescission, they were suppose to file a declaratory action against me within twenty ( 20 ) days to challenge my right to rescind. Wells Fargo or my " true creditor '' failed to take those actions. Wells Fargo or my " true creditor '' are in violation of TILA because they have failed to take the mandatory steps required under TILA. The statute makes no distinction between my right to rescind in 3-day or extended as neither cases nor statute give courts equitable discretion to alter TILA 's substantive provisions. Since Wells Fargo or my " true creditor '' has failed to file a lawsuit challenging the rescission within the statutory 20 calendar period, they have given up any and all affirmative defenses to the rescission and they have no right or standing to attempt to enforce the deed of trust. I am puzzled as to who they believe they can proceed with a foreclosure on a deed of trust that has been canceled and made null and void by operation of law. There is absolutely no question that by operation of law my deed of trust has been canceled. Wells Fargo or my " true creditor '' is in violation of TILA for their failure to comply with the statute within 20 calendar days. Thus, they have given up their right to make a claim for the money that was allegedly loaned to me. The debt is not only unsecured but it is eradicated starting with the rescission notice and ending with their failure to comply with the statute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full! 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sirs, I recently spoke with your rep and she read me the response from XXXX at Bank of America. This has truly been a nightmare i hope to end soon. The bank cleared this certified company check and then after being on hold for 4 days they cleared it into my account. The very next day they put a stop payment on it. Then to make matters worse they stopped payment on a check that was n't even real. The Bank will not return my calls, keep adding fees and will not let me close my account. BAnk of America is clearly avoiding the fact that their processors missed that this was fraud and refuse to admit they were wrong in letting this check get cleared and a stip payment be put in effect. The documents they sent you do not match the documents they sent me. This is in reference to a case i already have with Bank of America. if i am causing confusion i apoligize but i dont know how else to give the updated information to your company. I am attaching documents which clearly are different that the ones the bank sent to you. also the information they provided to you is indeed their side of the incedent and does not match what truly happened. case XXXX. 
I am homeless and temporary with a friend i am XXXX and it is hard for me to get around. i will check my email please let me know if you need me to call you. 
thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a complaint against Green Tree Mortgage Co. ( now Ditech ) We should not have been charged {$18.00} per day interest from XX/XX/XXXX to XX/XX/XXXX while the title company and Green Tree were trying to figure out who was responsible for the delay in actual pay off date. We should not be held accountable for that mis-communication. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion improperly updated the information provided by the XXXX XXXX company on my credit report. They updated all but XXXX of my Student Loans to state " deferred due to forbearance ''. The XXXX organization provided me a credit reference letter to validate all my loans were in a in-school deferment status. Additionally, they identified XXXX student loans that would go into forbearance XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX for a loan realignment. I provided the letter to Transunion and they refused to accept. I called XXXX and they offered to due a conference call with Transunion but Transunion refused. The XXXX organization sent Transunion an updated status on my student loans and my credit report still has not been updated. Attached is my credit reference latter from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I filled a complaint with the CFPB against Shellpoint Mortgage Servicing and their representative XXXX XXXX XXXX XXXX XXXX XXXX responded for Shellpoint with verifiable FALSE answers. XX/XX/XXXX to cover up Shellpoint 's violations of CFPB & State of California Loss Mitigation laws & Regulations. XXXX XXXX XXXX never sent his response to me because of his incriminating statement contained in his letter. Upon discovery I sent an immediate protest letter to Shellpoint for illegal & wrongful denial of my XX/XX/XXXX Loss Mitigation application. ( Letters, attached dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XXXX XXXX XXXX & Shellpoint intentionally reversed my complete " Application Status of XX/XX/XXXX in retaliation for my CFPB complaint filed XX/XX/XXXX 

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