AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: CitiMortgage is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to CitiMortgage, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion : Transunion still shows XXXX as a student loan on my credit report. I only had XXXX XXXX for a short amount of time till I consolidated my student loan. Federal loan is handling my student loan. I no longer have XXXX XXXX. It 's a mistake. It was taken out of my report for XXXX, however it still shows as a loan on my transunion. This loan was closed and should no longer show on my credit report. 
Thank you for your attention to this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX 's Office at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. Keeps billing me and reporting on my credit report an outstanding balance for service that was not performed on me and the bill does not belong to me. The item should be removed from my report as its impacting my credit score/report negatively. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We submitted an offer on a house that is for sale, via short sale, through Wells Fargo on XXXX XXXX, 2015. Since then, we have had to update the contract 3 times, to which we still can get no response what-so-ever from anyone at Wells Fargo on the status of the contract. The listing agent has been through XXXX different people at Wells Fargo and not one has been able to give any of us an answer. One week, our contract is with the negotiator and they 're pushing for an answer by the end of day on Friday, which has now been a month ago. I have since sent an email to the board of directors at Wells Fargo and have spoken with a gentleman, but again, they have no answers as to where our contract stands. 

Company response: Company chooses not to provide a public response
Consumer complaint: i had a auto loan through XXXX that went into default they sold the debt to atlas financial atlas filed for a judgement and got it approved when filing a auto loan judgement the law is they have to file in the county you reside in they did not do this im in XXXX county XXXX the judgement is in XXXX county XXXX where ive never lived when they got the judgement they filed to the credit beurros both reliable and atlas filing against my credit for the same loan legaly they cant both file for the same loan after reliable sold the loan to atlas not filing in my county they should have never got a judgement i have sent several letters to the parties involved in this atlas financial and reliable credit and the XXXX beuros with no positive result i would like this off my credit report more than XXXX tactic they have used is not legal and they should not be able to report negatively please help me with this issue thank you XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I had purchased a vehicle from a dealership, and the bank the they used has now refused to give us the Title, since a Medical condition caused us to falter on the last few payments. The bank in question has been playing " hide & go seek '' with the Title, using various other institutions as a penalty to us. I once told them to come and pickupt the vehicle, AFTER they made contact with me, but they didia random drive-by to try nd pick it up. When it was n't in front of the house, they then used this tactic as an excuse to with-hold the Title, and claim we did n't deliver as promised. I have multiple documents to demonstrate their devious tactics. The first company they claimed was holding the Title was the " XXXX XXXX, '' in XXXX, MA. Then when I contacted XXXX, they stated in an UNDATED letter that " XXXX XXXX XXXX '' ( XXXX XXXX, XXXX ) to make arrangements to return the " collateral. '' No mention of me acquiring the requested XXXX. The envelope is dated for XXXX XXXX, 2015. BB & T was provided with every piece of Medical information to demonstrate why my obligation to meet the payments were not met. Instead of obtaining the vehicle under professional and mutual means as I attempted, on numerous occasions, they instead started playing with my already XXXX and will, after the well documented XXXX ( " XXXX '' ). 

Company response: Company chooses not to provide a public response
Consumer complaint: The USAA Federal Savings Bank stopped providing me with a " completed payment '' list on accounts processed through their USAA web billpay service displayed under the " Recent Payment Activity '' window. All pending payments, including the non-USAA accounts are listed, but the completed payments lists only the USAA accounts. The non-USAA accounts are not listed. The USAA web billpay service deducts payments from my USAA checking account. The failure to list all completed payments does not allow me to track all of my checking account expenditures accurately. This problem has persisted for over two months. I have made several phone calls to USAA to correct this problem. I have spent inordinate amounts of time waiting on the phone to talk with representatives only to receive trouble tickets that go unresolved or are ignored. I have not received any follow-up phone calls, emails or letters from USAA representatives regarding this issue. Trouble tickets issued : # XXXX, # XXXX, # XXXX, # XXXX ... From XXXX/XXXX/2015 through XXXX/XXXX/2015 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I'am complaint about Green Tree Servicing LLC out of XXXX, AZ XXXX add a bad report of XXXX onto my credit report also why I have not receiving a offer before Green Tree placed this on my credit report. This has cause harm to my credit in a unfair way of conducting business 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was issued a tax lien in XXXX for the XXXX tax year in the state of XXXX Although I was in XXXX, I was active duty military and a legal resident of XXXX. I paid state taxes to XXXX lived in military housing, and shopped on base. I was physically on a XXXX 9 months out of that year and rarely stepped off federal property. I would like this lien removed, as it is a black eye on my credit report that I am trying so hard to repair and maintain. I want to make a home purchase in the very near future, and this is affecting my ability to obtain a mortgage. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: A financial package was submitted for the borrower 's to be reviewed for a loan modification on XXXX XXXX, 2015. The submission date is XXXX days before any scheduled sale date. Wells Fargo Home Mortgage has not provided an ackowledgement letter confirming receipt of the package or a missing documents letter within XXXX days of the submission date ; therefore delaying the borrower from being reviewed for a loan modification within a reasonable time. We are requesting an acknowledgement letter confirming receipt of the package and a missing documents letter which details ALL the pending documents needed so the borrower may be reviewed for loss mitigation options within a reasonable time-frame as allocated by the Consumer finance protection bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint with your agency, Case No. XXXXYou completely did nothing to help me. I never heard from you so I called your office late XXXX. XXXX of your staff told me that the reason my case was not resolved was because I was not clear with my desired resolution. I gave her my new mailing address because we moved from XXXX XXXX, XXXX XXXX, 2015. On XXXX XXXX, 2015, I wrote a letter and per your staff representatives specific instructions and forwarded it to your office ( see attached ) I have never heard anything more from Consumer Financial Protection Agency. 

I was cleaning out my file cabinet and saw my file for this matter last week. I went on line and found the link for me to see the status of my complaint. My old address was still there, the new address was not updated. I wrote to XXXX XXXX XXXX XXXX see attached ) on XXXX XXXX, 2015. 

I was trying to figure out how to get back into my case today and needed help. I called and a lady told me my case was closed. XXXX. She told me it was closed in XXXX, I told her that was impossible, that I had spoken with a CFPB staff representative the end of XXXX 2015 XXXX I will look for my phone audits that I have because of the type of accounts I have with XXXX XXXX and she told me the reason it had not been resolved is because I was not clear about my desired resolution. The representative even helped me with the specific language to write my letter and submit it. 

Today your representative said she probably could not help me because my online file was closed. I told her that is impossible, I had just logged in last XXXX, she disputed my information so I immediately logged in. 

Today your staff said I received a response and directed me to an attachment link on the page where it said a response was. I never knew this. I was not even aware until XXXX XXXX, that I could log on and see my case. 

I did open the file and was so upset, the response is worthless, obviously B of A read nothing! They tell me to go to my bank ... that is where I started and I am back at square one over a year later!!! OMG. 
I went to XXXX went to my bank and they gave me the information for B of A FIA Credit Card DepartmentI went to the Office of the XXXX Bank XXXX went to the Office of the ComptrollerI was instructed to go to you, The agency, Consumer Finance Protection BureauI am not better off than when I started. 

The attached letter your representative directed me to today is worthless, it says nothing, there is no way a person of integrity and honest person with B of A read my supportive documents and came up with this response. NEVER! 

How can your agency, funded to help individuals/companies like ours accept this generic letter and close my case? 

My last step is the US Attorney General if you do not find integrity and do the right thing, review all I have submitted, follow up with BofA and resolve this matter and provide my specific request of being reimbursed by XXXX/BofA. 

XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This loan has been closed for several years yet it is still showing up on my credit report as a liability. I 've called the bank and even stopped into a local branch and they have no record of this loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: MERCH & PROF C B, XXXX, Tx. has submitted maliciously false information to the XXXX Credit Reporting Agency about my account with XXXX XXXX XXXX of XXXX, Tx.. Stating that I have debts opened in XXXX of XXXX and XXXX of XXXX. I left Texas in XXXX of XXXX, I have not been back. I notified XXXX XXXX of this situation Via Email on XXXX XXXX, XXXX, with no response! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a mortgage with Wells Fargo for over ten years and the initial payment was generally about XXXX dollars. However, the past several years it has gone up from XXXX to XXXX to XXXX and then XXXX. When I asked about the increases, I was told it was due to insurance and taxes. I have made no changes to the house so I was having a hard time understanding why the increases. I was only XXXX payments behind but at {$1400.00} that adds up to several XXXX dollars. When I tried to make an automated payment I was told that my " new '' payment was {$830.00}. It was not clear what that meant but I made payments at that amount for several months. I then got numerous phone calls from Wells Fargo indicating that I was on some type of " trial modification '' and according to them I now owe {$11000.00} on the mortgage. They wanted to send me some type of new mortgage agreement that increases my mortgage by XXXX dollars, puts a 40 year term and a lower interest rate. I was told in the middle of XXXX when I spoke to their representatives that they would be sending me this modification agreement and that I must agree to its terms or else they would put me into foreclosure. Even though I was making the payments that the automated system suggested, they were telling the credit bureau that I should have been making the nearly {$1400.00} payments, therefore I was falling further behind even though making payments. I was told NOT to make a payment in XXXX and that this new modification would be coming. I have NOT received this agreement. I also asked for a copy of my payment history which I was sent by fax two year of payment history. this payment history ( a copy of which I am sending by mail as I can not scan documents ) shows " new principal/escrow balances '' as far back as 2013. I was NEVER told that anything had changed on my mortgage. I have now requested a copy of my entire payment history to see exactly when this principal amount had changed. I am told it will take two weeks for me to get this entire history. As stated above I was told they would not accept payments until the " new '' agreement was signed and to date I have not received it. It is now going into XXXX and it is unclear as to whether a can make any type of payment or exactly what my payments are or what is going on with this account. It was my understanding that mortgages or legal agreements can not be changed without the consent of all parties. I am not sure what the status of this agreement is or what the bank is contemplating. It appears that I have lost ten years of equity in this property and they are going to make me start over and keep this under a mortgage for an additional 40 years. I have stated to them that I am very concerned about this and they assure me that this is just their way of " helping '' homeowners. this is an address that I reside in as a second residence. I ca n't believe this is legal or that they should have been able to make changes without telling me years ago. Please can you help me sort this out and determine if this is actually legal and appropriate?? 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a hospital visit two years ago for XXXX. My insurance and my parents covered all the medical expenses. About a year ago, out of nowhere, a debt collection agency ( ARS Account Resolution Services ) started contacting me for a supposed debt of {$640.00}. They however, refused to provide me with any verified documents, itemized bills or any documentation from the hospital or doctors at all. They have been harassing me with phone calls and threatening to ruin my credit ( Which they have already done and I am in the process of fighting ). I have contacted my insurance and they have assured me that they paid their portion fully. I have contacted the hospital, and they can not verify this agencies claims. I would like this matter resolved and would like the harassment and threats to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, an amount of {$220.00} was moved from my checking account to my car loan with Suntrust. This was not initiated by me. I later found out from a Suntrust phone rep they moved these funds themselves. Because they did not notify me this was done, I processed a payment at the same time, also for my car payment ( the only thing this account is used for ). Given the payment was made twice, I received an overdraft and an extended one - due to a payment I did n't even initiate. 
I called to rectify this and was told it was no problem, to simply dispute the payment from XX/XX/XXXX. I stated several times that I was fine with the payment itself - it was going to be paid to the car loan eventually, it just was n't fair that I was n't given the chance to reduce my payment, as when I made my payment that was the available balance. I was told the dispute was the only way and would return the XXXX fees. It did not. 
I was then issued a temporary credit, which I of course paid right back to my car loan in good faith, as, again, all I wanted were the fees returned to pay them to the car loan as well. Instead, the temporary credit was removed, and I received XXXX MORE fees. 
Well I call and spoke a manager, XXXX, he stated he could not help. I asked for the address for executive relations and he stated that did not exist. 
Why are you actively making it more difficult for your customers to pay your own bills? This is a ridiculous business practice that you can not see that the right thing to do would be to return all XXXX fees - and then give no way to escalate higher than low level management. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello : I purchased a 95 year old foreclosed property at XXXX XXXX XXXX XXXX, XXXX, MD. I later found it had major structural problems so we demolished it. 

In rebuilding we came to realize the reason for the old structural problems was because it was once used as a landfill at some point thus rebuilding on a contaminated landfill will cause many issues with the new structure and also health concerns. 

I have been trying to communicate to the bank that that now has my loan ( not the original mortgage company who turned around and sold it to this current bank ) that I need a deferment to resolve the issues we have encountered ( the place was once a landfill/contaminated soil ). 
I have borrowed over XXXX to keep up with the mortgage and pay rent too. It 's not sustainable. 

Is there anything you can suggest I do? 

Thanking you for your response. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit balance of the account is XXXX and all the outstanding debts were waived by the company and yet the information has n't been given to the credit agencies. I would like for Regional Acceptance Corp to immediately send the updated information to all XXXX of the credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am executor of my mother 's estate. She passed three years ago. I am in the process of selling her home. Issue : Bank/mortgage lien on home. 
Three years ago I closed XXXX IRA accounts and a home equity line of credit. The bank told me not only to be sure the heloc was {$0.00}. but that it also is closed. I made sure this was done. I now find out that a mortgage lien is still on the home during closing. Wells Fargo did NOT inform me that a lien still existed when the account was officially closed. My mother never even used this line of credit. I was very surprised that I had to provide a mortgage paper to request a payoff and a release of lien The home was paid off at least fifteen years ago. It has been seven days and the lien has still not been released by the bank. The business manager at the bank told me that working for Wells Fargo he is also surprised to see many closed home equity line of credit accounts that are closed in the computer but have liens open on homes. Apparently there is no law or incentive whatsoever for the bank to notify customers or remove the lien. A special written demand must be provided to the bank. Again no one is told they need to do this once the account is closedI contacted my lawyer and he informed the bank can take up to 60 days to release the lien. This is absolutely wrong! A law needs to be invoked to stop this bank practice. Many people have liens on their home that do n't even know it. 
I understand XXXX XXXX XXXX and others do the same thing. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank NA in conjunction with Best Buy stopped forwarding credit card statements and further disallowed me from accessing my account online. They state that my account has been closed for nonpayment but ratger than forwarding copies of my credit card statements, they have reissued me a card with Visa as opposed to MasterCard thus adding a tradeline on my credit report for an account that was already considered closed by them. They have done this without notifying me, the account holder, without issuing me a new card and completely refused to allow me online access to set up payments or review any credit card statements. I have been in touch with their Customer Service Department on more than XXXX occasion regarding this and, essentially, have been explained there is nothing they can or would be willing to do to remedy this situation, further delaying any payment they might receieve from me and, to their advantage, adding more interest and fees. 
I have also received various phone calls and messages from people claiming to be representing this financial institution and asking for personal bank account information over the telephone. As my mobile device has been hacked on more than XXXX occasion, and I am no longer receiving preferred, requested communications from them, there is a huge privacy concern regarding their method of operations for this purpose. 

Company response: Company chooses not to provide a public response
Consumer complaint: US bank advertises offers for business credit cards on their website and other affiliate sites. On XXXX XXXX 2015 I applied for a business credit card and a week later I received a rejection noticed with the following cited as the cause : " Residence is outside of trade area ''. I contacted US Bank and inquired about what this meant, the representative said that it means they have no branches in this area. I asked why then I get offers from their bank mailed to me. The representative indicated, that if the application had been submitted in response to a " mailed offer '' they would have processed the application, but because I went on their website instead, the application had been rejected. 

I believe that the merchant 's practice is deceptive. When an application is completed on their website they collect ALL my information, including address and phone numbers. If as a bank they do not review applications from customers located outside a specific area, they should not be allowed to send their mailings to such area and they should not be collecting sensitive information without first ensuring the applicant can be serviced by them. ( all it takes is an address script to be ran on their website and for the first information data set to be the address ) Anyway, the public should know upfront if they have service area restrictions, instead of pretending they can serve all areas. 

Company response: Company chooses not to provide a public response