AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Pennymac is foreclosing on a homeowner who has attempted in good faith to renegotiate a loan modification of this home equity loan. Also, the foreclosure itself may be invalid due to improper notice requirements. Pennymac should be required to meet loan servicer guidelines in terms of a single point of contact and HAMP loan modification regulations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America ( XXXX ) insurance company for BOA has duplicated a claim and has left the status as open when it 's closed and has been closed since XXXX 2012, there was only XXXX claim at this time ( XX/XX/XXXX ) this is an attempt to force me to pay higher premiums for home owners insurance with them, I am not able to get a decent rate anywhere with the duplicate, open claim that ( XXXX ) has on my record. I have spoken to numerous of agents with XXXX and I was told that it 's closed, not duplicated and it still shows on my record. PLEASE HELP. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive an offer of credit today from a company that I know nothing about. The company 's name is balance credit. Once I called to inquire about how this company received or obtained my personal information I was told by a service representative supervisor that the information was transferred over by TransUnion. I immediately called TransUnion to dispute items on my credit report as well as let Trans Union know that I am NOT giving them permission to sell solicit or trade any of my personal information for the purposes of optaining credit through third party lenders. I explained to TransUnion that I felt violated and that I was very upset about the fact that my personal credit information was solicited to a third party without my prior approval. I then asked to be removed or opt-out of any solicitation services immediately. All I have ever done with Trans Union was request my credit report within the last 60 days. I never requested to be added to a mailing list. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally applied for loan modification, but was denied, then I agreed to a repayment plan and the rep ( XXXX XXXX ) who is RM on file and he said he would get the repayment plan approved by his manager and get back to me. 20 days later still have not heard from him, I called several times left message and other reps in the department said he would have to help me, then took his manager number who is XXXX XXXX, left her message and still havent heard back. They are very unprofessional, my loan is in foreclosure accruing more fees everyday but yet no one cares to return my call and help me get out of deafult. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America answered the above complaint and I disputed it. since then I have heard nothing from them. the case number is Case number : XXXX all material was submitted previously on above case number. I spoke to them previously and they said the case was closed. that is when I disputed. please refer to all information previously submitted. 

Company response: Company chooses not to provide a public response
Consumer complaint: This has been an ongoing problem of lenders/servicers in our purported loan. Starting with XXXX and now moving onto PennyMac. There has been fraud in the inducement and continues in fraud as it progresses. Your XXXX never informed us that our 'loan ' was actually meant to be a security. XXXX XXXX was never registered to file securities ( see attached letters from SEC ). 
We have no agreement with PennyMac and they have fraudulently procured our property through fraud. PennyMac has violate the National Mortgage Settlement Agreement and their own agreement with the FDIC. 
There is no way for a homeowner to negotiate when servicers/lenders are allowed to use fraud to steal our property and cut off the true holder in due course. 
Attached is a fraudulent assignment of deed of trust. I have marked it to show the fraudulent areas of the Assignment. 1 ) XXXX XXXX has not now or ever worked for XXXX or XXXX XXXX. a ) XXXX XXXX has been inoperable since XXXX b ) PennyMac did not open for business until XXXX, c ) XXXX did not have an agent for service or business license in CA until XXXX/XXXX/XXXX. Consequently, there could have been no LEGAL assignment in XXXX. 2 ) XXXX XXXX was under investigation for misuse of her notary since XXXX, a ) XXXX XXXX has since been convicted as per the attached court docket. b ) XXXX XXXX and XXXX XXXX have signed numerous documents under various titles, once again showing a pattern of moral turpitude by the servicers. 3 ) XXXX had the final dissolution of their LLC on XXXX/XXXX/XXXX, as per the official letter from the Georgia Secretary of State, attached herewith. XXXX was not an operating corporation in the state of CAlifornia until XXXX/XXXX/XXXX, and therefore can not be a party to our transaction. 4 ) We were never served a notice of acceleration by the lender, or the trustee. PennyMac used these fraudulent documents as a form of extortion rather than genuinely trying to work with us. We believe they did this because they did not have the entitlement to enforce the agreement and desired to bury this evidence in order to procure our home at no cost to their agency, and to cover their fraudulent activity from investors and the government. 5 ) The Trustee was never legally replaced by either the Trustee or the Lender. 6 ) PennyMac used this fraudulent Assignment of Deed of Trust to foreclose on a property they had no legal right to. a ) They illegally created a Trustee 's Deed Upon Sale, one day after the release from stay in the bankruptcy court, thereby violating the Homeowners Bill of Rights ( among numerous other rights ). 7 ) PennyMac has been evasive and untruthful with regulating authorities regarding our complaints and have tried to depict us as deadbeats thereby evading questions regarding their authority. 8 ) In spite of XXXX requests PennyMac has never provided us with a legal QWR, PennyMac has no record of our past payments on this loan, nor do they have a record of our payments toward the principle, because they do not legally possess this right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX. 
I have a mortgage with Wells Fargo, I fell behind in my Mortgage and I sent them in XXXX to catch up, they sent it back to me with XXXX added onto it and said that if I could not pay this they would file foreclosure. since this time they have had some contact with me. but little. my real estate agent and I decided to put it up for short sale, weeks ago. my house is scheduled for forclosure XX/XX/2015. We have called them and have sent them everything they had requested in sufficient time. They will not return phone calls not even emails. and everytime they call they seem to add XXXX more thing that they need. I feel this is bad business. if you need names I can supply them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Williams Rush and Associates as continued to contact me harass me in regards to an account that XXXX sales and lease charged off. I have since then paid the debt with the arbitration company that hired. Williams Rush and Associates are claiming to be attorneys and they have threatened to have me arrested for theft of merchandise and I have told them the debt was settled in which they could see own their end. I believe that XXXX sold all of my accounts to Williams Rush but only provided XXXX account number because they both have provided the same total amount due. then XXXX is who I settled all charges with and they told me I do not owe their client at this time I also shared what was going on with Williams rush and Associates and they asked me to contact the attorney generals office and I did. I do n't think it is fair that these companies and call and disguise themselves as attorneys and leave threats and harassing voicemails on someone 's phone especially when the debt has been settled. then posted the account to my XXXX credit report while XXXX was reporting the accounts as charge offs. They are not right at all and should their business should be shut down. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Called to find out information regarding a tax bill they stated I did n't pay in 2013 but they would n't assist. I was hung up on and threatened by the staff. When I ask to speak to a manager I was told no you 're not speaking to her about this. I spoke to XXXX and XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was denied a HAMP modification based on an income of {$2600.00}. I do not see where or how Shellpoint came up with this income when I provided Shellpoint the documentation reflecting my monthly income to be {$4800.00}. I receive {$1500.00} in XXXX for which I 've provided an award letter and a check stub from them. I also provided my pension award letter which I get as a monthly amount of {$1900.00}. My son is a contributor since my husband, his father passed, and he contributes {$1300.00} monthly to my household income. I have also provided Shellpoint his paystubs and contribution letter. Shellpoint has all the information necessary to reflect my income being {$4800.00} yet they came back with a much lower gross income. I can not afford to lose my home because of negligence. Please help me stay in my home. I have never ever been late on a payment up until now. I need my loan to be modified! I need Shellpoint to help me!!! I have every intention necessary to pay off my loan and pay it on time with a new principal and interest mortgage payment. I have the history to reflect that I have done so all these years so far. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Company called under name Jacob Law Group, wanted me to give them all of my information but would n't tell me what they were calling about. When i refused my informatiin, she proceeded to threaten me with legal letters, wage garnishment, and police contact. Then, she hung up on me. I still never got an explanation of what is was for. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: BSI Financial denied a loan modification because they said I never sent the proper paperwork in. I sent all the proper paperwork to my attorney who then sent it to BSI. BSI is the servicer of the loan. XXXX XXXX was the original servicer and they denied me a loan modification XXXX different times 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CB Merchants of XXXX XXXX California was contacted by XXXX XXXX, me, to ask about an " advertising '' debt that I wanted to pay. It was at this time that they said I had a debt with XXXX. I was surprised to find out that the account had been there since XX/XX/XXXX. I was not aware of the account. They never contacted me prior " me calling them. '' They also have an ex-wife 's name on the account who has not been associated in anyway with me financially sine XX/XX/XXXX. They were rude and have not provided me with an accounting. XXXX has not provided me with an accounting either even though I made payments to them and provided them with amounts, dates and check numbers. This is extortion. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by a Law firm by a man named XXXX XXXX, stating they were from XXXX and XXXX Law Firm and they stated I was being sued by Bank of America. I told them the debt was not mine and that it was opened in my name when I was XXXX or XXXX years old by my parent. He stated that we could settle the debt for {$1500.00} if I paid now with XXXX percent down to avoid going to court or we can make monthly payments of {$150.00} and pay a balance of {$3100.00}. I told him I would call him back after speaking to my parent. I then contacted Bank of America and spoke with a representative. She stated that there was no one from Bank of America that was suing me and that they sold the debt to a company called XXXX XXXX. She told me it was sold in XXXX 2009 for the amount of {$1500.00} and that again, there was nothing in her records that said that Bank of America is suing me. I read on the statute of limitations in the state of XXXX and XXXX that I can not be sued for this because this is an open-end credit card and the statute of limitations has ran out. I feel harassed by this company for using scare tactics to collect a debt that I feel is not mine and harassing my other family members by calling them multiple times. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am submitting a complaint against Genesis Lending Services, They have been charging me during school and even when I was unemployed. I seek to discharge this loan due to the fact I never received any job placement and etc. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have already sent XXXX letters to the company in question. They have yet to comply with either XXXX. They keep calling and bothering me about some account that I know is not mine because I have never heard of this place. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a mortgage with First Franklin Financial in XX/XX/XXXX. When the mortgage crisis hit its climax, my loan was in default and I was in foreclosure. By the end of XX/XX/XXXX I was going through a modification approval process with First Franklin Financial and during this process my loan was transferred or sold to Bank of America. I did not know my loan was being served by Bank of America until one day I receive a large envelope informing me to forward all paperwork for modification to them. I contacted their toll free number and informed the representative that I had all ready submitted all paperwork to First Franklin Financial. The representative told me that files were being uploaded electronically and it would take awhile, so it was, therefore, in my best interest to resubmit all paperwork. I did never heard anything from Bank of America. Instead, I received paperwork informing me from another company XXXX XXXX XXXX that Bank of America no longer owned my loan, but they now owned it. I never made any payments to Bank of America. All XXXX of my credit reports re showing different amounts of information. The reports are showing that the last payment I made to Bank of America was in XX/XX/XXXX. I have never made any payments to Bank of America. I have sent several letters and initiated various disputes with the credit bureaus disputing the account. Every single dispute has Bank of America responding that the information is correct as it is on the credit reports. I have sent letters to the company myself requesting for written documentation/verification, but I have not received anything. This account is over XXXX years old and meets the qualifications to have it removed from my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was with XXXX prior to my mortgage being sold amost at the end of their modification and they sold my account to Select Portfolio Servicing. In doing so the modification had to start over from scratch. I did have a problem paying my mortgage ( due to loss of income through divorce with XXXX ), and received assistance from the XXXX program ( a third party ), but was never late. XXXX informed me by them being involved sending part of my payment I would not be accountable for any lateness on my payments, because I was always current with the part I paid ; they did recieve the full mortage payment. This would apply also through XXXX and until the modification was completed. By XXXX selling the mortgage just before the modification was completed, and me being at the end of the program starting over ; I had to go into an agreement with Select Portfolo to avoid foreclosure while their modification was in process. I was to pay an amount agreed upon, until it was completed. It was n't the full amount, but it was accepted and an agreement was in place, and that amount was never late. Now I am sited with 120days late on my mortgage, after all that was agreed upon. My modification is now in place and I have been current with my payments since the modification XXXX of 2015. I think this is unfair and if there is someone that can possible help me with this, it will truly be appreciated. Originally the loan was a ( ARM ) mortgage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have attempted to call transition credit bureau @ XXXX. I was talking to him regarding some information listed on my credit report, such as my DOB is XX/XX/XXXX not XX/XX/XXXX as well as the address listed as XXXX XXXX XXXX , XXXX Ga XXXX is not my address, I have never lived in Georgia. However, my ex husband XXXX XXXX XXXX does live in XXXX Ga. I fear that he may be attempting to use my credit to further his and I need assistance to make sure that is not occurring. However, each person I talked to spoke with XXXX english and I could not understand them. So in the end that was of " NO '' help at all, simply a waste of my time. It seems the call center for Transunion is XXXX. I was transferred XXXX times to " another supervisor '' who spoke with XXXX english 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband walked out on my for my next door neighbor so we short sale the house. My first mortgage company was wonderful and they offered my second mortgage company XXXX. My second mortgage company said they would not except any offers that I had to pay in full. They also tried to block me from getting money for moving. I closed on the short sale in XXXX 2013. In XXXX they called and offered me a settlement for XXXX, XXXX, and XXXX. I asked why they were able to make an offer now after declining the short sale offer???? 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX I found the home of my dreams and placed a down payment of {$1500.00}. XXXX I had an inspection done on the home shortly thereafter I submitted all of the documents that was required. In XXXX there was a extension submitted and agreed then XXXX another extension submitted and another in XXXX. The bank has not completed the second part which is for the first time Home buyers grant.. My realtor nor the mortgage broker have been communicating with me to inform me what the hold is leaving me in the dark.. After calling numerous time still no clear answer on what the problem.. The mortgage I applied for was approved home was inspected and now we 're in XXXX well pass the XXXX days they said feeling taking advantage of and seeking helping 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to a local Sun Loans branch to pay of a charged off account. The amount I expected to pay was {$290.00} plus a late fee of {$10.00}. The Manager and assistant manager of the location informed me that the late fee was {$60.00}. I had actually defaulted on the first payment due to loss of employment. I explained to the XXXX Sun loans reps that there should only be XXXX late fee as once the account is late I should n't be charged additional late fees. I was then belittled by the store manager and told that I would have to pay the late fees totaling {$60.00} which is XXXX late fees instead of the XXXX late fee. I asked the manager to show me the signed contract stating that I was responsible for paying cumulative late fees. She then produced the contract that according to how it was worded I should only be charged XXXX late fee. To prevent further attempts of belittlement by the manager at my expense, I then payed the amount they were demanding and informed them I would be filing a formal complaint concerning their business practices. The paid in full receipt list the {$60.00} as " Plus other charges ''. It does not describe what these charges are for. I work hard and honest for my money and do not appreciate a business not only attempting to belittle me but also overcharge me by using unfair business practices. Thank you for your time and help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had deposited a check and it seems that it was returned and they blocked the account and have not provided me any information as to why and my direct deposit from my job was sent to this account and they ignore every request from me as to an explanation why I spoke to a customer service rep on the phone they tell me I had to go to the branch I went and they dont want to tell me anything tried to speak to the manager he paid no attention to me in the XXXX XXXX branch. 

all they state XXXX is that they are doing an investigation at XXXX is was supposed to be 10 days for that and they will send my funds but as of yesterday now they state 30 to 120 days. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were not receiving paper statements on our credit card account with USAA, so we contacted customer service to change our billing preference. That was over 6 months ago and after monthly calls to USAA customer service, including a problem resolution department in XXXX, we have yet to receive a paper billing statement. As a result, we are unable to verify purchases, review interest charges or know our minimum monthly payment. This is a breach of our card member agreement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!! 

Company response: Company can't verify or dispute the facts in the complaint