AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX transferred servicing to Greentree but did not notify me properly of the transferring. XXXX previously notified me that they were transferring the servicing and subsequently sent me a letter notifying of the cancellation and disregard the letter. I paid XXXX through XXXX until I received a return of payment. I contacted Green Tree who stated they had received transferred payments from XXXX and my servicing had transferred since XXXX 2015. Green Tree requested I pay the XXXX payment although the payment had been made to XXXX thus I have made XXXX payments in XXXX month. As of today the payment has not been transferred and I was required to make a payment. This property is on an active Chp XXXX BK but when speaking to the Green Tree representatives, all of them today due to transferring back and forth XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX ) she stated that the property showed the stay had been lifted. On further investigation she advised the stay was associated to another property. Therefore second inaccuracy is being reported erroneously on my credit and not paid as agreed and I am receiving collection calls in violation of the Chapter XXXX BK. I contacted XXXX and spoke with XXXX XXXX XXXX who confirmed my XXXX payment and all prior payments had been transferred to GreenTree. He is investigating. He could not confirm the supposedly relief of stay that Greentree indicated XXXX had provided but transferred me XXXX XXXX who after my explanation asked to place me on whole and the call was disonnected. I recalled and spoke with XXXX XXXX who stated their records show no motion of relief. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied online for a credit limit increase on my Citicards credit card on XXXX/XXXX/15. 
Before I clicked the submit button, my screen said you must click the box to acknowledge that a credit report would be pulled. I agreed to this. 
On XXXX/XXXX/15, I got an email that my credit limit increase request was declined. I put a posting on XXXX for a reconsideration of my credit limit increase request. An hour or so later on XXXX/XXXX/15 a member of the social media team called me regarding my denial. The gentlemen from the social media department said that in order for him to escalate my denial to another level, my credit report would have to be pulled AGAIN. I said, let me make sure I am hearing this correctly, the computer pulled my credit report not 24 hours ago, you confirmed this, yet you have to pull another credit report, he said yes. This act of having to pull ( XXXX ) reports in ( 24 ) hours is damaging to consumers credit and is not necessary or in the best interest of the consumer banking in the USA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Wells Fargo Home Mortgage on XXXX, XXXX/XXXX/15, to give them my promise-to-pay on XXXX/XXXX/15 via my bank online bill-pay ( so that I have my own record of the payment ). Our payment for XXXX is due XXXX/XXXX/15 - XXXX/XXXX/15. I also told WF about mailing my escrow shortage payment. The customer service employee told me she would notate my account. 

On XXXX/XXXX/15, Wells Fargo Mortgage called my husband today regarding our account. WF wanted to set up auto-pay for XXXX 's payment, but my husband informed them I take care of the finances, and he told them we do not owe the XXXX payment. Wells Fargo tried a three-way phone call with me, but I was unavailable at that time and could not take their call. They preceded to tell my husband our mortgage payment was over 30 days late, and do we plan to vacate the premises. He told them no and he needed to talk to me to see what is going on. The customer service employee then tells my husband that our account is not over 30 days late. Whoops ... .My husband asked for a manager and talked to someone, but he was still upset about the phone conversation and the lack of research the employee completed before calling my husband. 

I called Wells Fargo Home Mortgage on XXXX/XXXX/15 to inquire about our account. 
I was informed that I called Wells Fargo on XXXX/XXXX/15, but the customer service employee did not notate my account as promised. Had that employee done their job correctly, my husband would not have received this phone call threatening our house. 

Company response: Company chooses not to provide a public response
Consumer complaint: Rude and continued to talk over me while explaining that I was at work and would not discuss the matter. Continued talking then made rude comments that he isnt the one who didnt pay their bills and he didnt care about my issue. 

Each time I stated I was at work, he continued talking over me and was rude. I do not know how they even found my work number because I do not write it down nor call it. 

In addition, I looked the number up and it was a personal phone number used not a business and I am concerned this person has my information and may not be secured. I did not verify any information except that the company in question refused my payments I was making when I was unemployed and had no money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owned a property that was foreclosed and I never contested. I do n't even recall being served but I received a letter from the court that a judgment was entered for the XXXX trust on the house, which was owned by Wells Fargo. Wells Faro 's attorney garnished my wages and I was making payments for about two years. Sometime around XXXX 2013 I get a letter from the attorney stating that my garnished wage order was dismissed. I spent literally 6 months trying to get an answer why, and never got a response. I have emails from the attorney and Wells Fargo, but no response as to why. I suspected that there was some time of violation, but did n't know who to talk to or what was possibly improper. I learned about the SCRA while taking my XXXX and suspected that the violation was charging me 10 % interest for over a year while I was on XXXX. When I attempted to contact the lawyer they wrote " We no longer have this file. Please call XXXX XXXX at ( XXXX ) XXXX at Wells Fargo Bank. She will be able to answer your questions. '' XXXX XXXX passed me on to another employee who told me that she knew why, but that legal would have to tell me. I called several times requesting information and never got a response. I figured something was very wrong, because of the sudden, " you do n't owe us anything. We ca n't talk response. '' I would like to know why I stopped paying and if my rights were violated, what is my recourse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE ATTEMPTED TO CONTACT THE REPORTING AGENCY, CHEXSYSTEMS, VIA MAIL SEVERAL TIMES IN REGARDS TO THIS REPORTING MATTERS. I HAVE ALSO TRIED TO INFORM XXXX XXXX XXXX ON THE REASON WHY I WAS SHOULD HAVE NOT RECEIVED CERTAIN CHARGES, YET THEY CLOSED MY ACCOUNT AND REPORTED ME TO THE AGENCY. DURING THAT TIME-FRAME, I WAS NOT IN THE CORRECT MIND-FRAME TO BEING KNOWLEDGEABLE OF WHAT PROPER PROCEDURE TO TAKE TO HANDLE THIS ISSUE. I WAS A COLLEGE STUDENT AND A XXXX WHO WAS DIRECTLY FOCUS ON MY XXXX CAREER AND MAKING A BETTER LIVING FOR MY CHILD. I WAS SEEKING HELP FROM BRANCH BANKERS, CUSTOMER SERVICE REPS & THE REPORTING AGENCY YET NO ONE GAVE ME THE DIRECTION TO HANDLE THIS ISSUE. I FEEL I HAVE NOT BEEN GIVEN A FAIR OPPORTUNITY TO HANDLE MY PERSONAL BANKING ISSUE AND WAS TOSSED AROUND TO VARIOUS DEPARTMENTS WHO COULD NOT FURTHER ASSIST ME. IN ADDITION, THE REPORTING AGENCY STATES THEY ONLY HOLD THE REPORT FOR 5 YEARS AND THIS ISSUE HAS MADE ITS 5 YEAR ANNIVERSARY MARK THIS XXXX 2015. ACCORDING TO THEIR POLICY, AFTER THE 5TH YEAR IT IS THEN REMOVED FROM THEIR AGENCY. 

Company response: Company chooses not to provide a public response
Consumer complaint: When my ex husband kicked me out of his house i lost all my personal information and he would n't give it to me and told me he could't find it. Then after a month i started getting att phone bills in my name and i never opened a att phone account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX lien holder gave me a short sale approval on XXXX XXXX, 2015 and to this date The XXXX lien holder, Wells Fargo Home Equity has seemingly because of their written off status been delaying providing their short sale approval to the detriment of my approved short sale status. The XXXX lien holder has given us XXXX short sale extensions and I am afraid they will now resume their Foreclosure as they do not believe Wells Fargo will ever provide an approval. 
Wells Fargo also, even after numerous communication with their customer service department, has been incorrectly sending my private banking correspondence to a Texas address and changed my number to a Texas number in their system so I do n't receive any notices. 
This is so unfair considering my primary lien holder advised me to do a short sale and already granted me short sale approval and now that this XXXX lien holder has stalled the closing I am about to lose even my relocation funds and my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account Research is harassing me for a bill which is owed by my spouse. I have contacted the billing services and spoke to someone named XXXX I explained that this is not my bill and I was never treated by XXXX XXXX XXXX in XXXX, TN. XXXX advised me that since it is a medical bill I am responsible for my spouses charges. My spouse is XXXX years old and responsible for his charges. I asked them to stop sending the bill with my name on it they have now resorted to sending the past due bill to my place of employment. This is a cheap ploy to shame me into paying for a bill that is not mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian credit agency would not delete wrong information on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company in XXXX, NY continues to call my house every day. I called back XXXX times and spoke to reps and confirmed they have the wrong number and would remove my phone number from their call list. Well they never removed the number and continue to harass. I spoke to a supervisor, XXXX XXXX and was informed they would remove my number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told this a pre trail intervention to call and avoid charges being filed for wire fraud and check fraud and a warrant will be filed for my arrest his name is XXXX XXXX phone # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. 
The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 
2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 
3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 
4. I have not assumed or refinanced this loan in my name 

Company response: Company chooses not to provide a public response
Consumer complaint: Nothing has happen its been XXXX months and the bank is dragging no forthcoming of info just sit and wait. 

Company response: Company chooses not to provide a public response
Consumer complaint: It 's been told to me as I understand it that XXXX XXXX Institutions are requiredfor consumer concerns that within institution must be posted acknowledgement and/orrecognition of Office of Consumer Currency [ OCC ] and/or provide contact # Consumer Compliance Division ... nor FCPB ... .neither of which is provided. When asked for in XXXX XXXX, XXXX XXXX Senior Premier Banker, Vice President, Regional expressed no such ideaof any such agency that I was describing but offering outlandish excuses about myconcerns. 

Company response: Company chooses not to provide a public response
Consumer complaint: This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I received a letter from LenderLive Network informing me " that the servicing of [ my ] mortgage loan has been transferred to a processing center at LenderLive Network '' and that " the right to collect payment [ by LenderLive ] is effective XX/XX/XXXX ''. I did nothing at the time, thinking it was fraudulent, since I had received another similar letter back on XX/XX/XXXX stating that my loan " was sold to XXXX XXXX or to XXXX XXXX as trustee for a trust holding your mortgage loan on XX/XX/XXXX '' but that " the sale of your mortgage loan does not affect any term or condition of the mortgage, deed, or note '' and " requires no action on your part ''. Then on XX/XX/XXXX, I got a notice of " payment past due and credit score warning '' from a debt collector, stating that " LenderLive Network was now servicing my account on behalf of XXXX XXXX - XXXX XXXX XXXX ''. There was also an itemized bill accompanying the notice dated XX/XX/XXXX that had an extra amount of {$68.00}, supposedly due to the absence of PMI. The original lender, XXXX, never made contact with me regarding the transfer of the loan, which is why I did nothing with the XXXX XXXX letter from LenderLive. I contacted LenderLive, and they explained the difference in cost by saying that they were billing us for an extra {$68.00} due to the absence of PMI when XXXX was in charge of the loan. I then paid the increased Escrow amount for XXXX, bringing my total to {$1200.00}. I created an online account with LenderLive, and when I logged in to pay XXXX 's bill, the amount due was back to the original {$1100.00}. My complaint is due to the following : ( 1 ) not being given notice from XXXX that my loan was sold and thus charged late fees by LenderLive during the transfer process when my account was in auto-pay and ( 2 ) that the value of the mortgage went up -- I am being charged more for PMI after LenderLive took over the loan because they said I had n't been paying PMI at all when the loan was being serviced through XXXX. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: After approximately 8 years of being with Sears Platinum Credit Card, having never missed a payment, with the exception of a week in XX/XX/XXXX, and recently by one week this Month both due to Medical issues, as I am XXXX XXXX, and my wife is XXXX, and being a XXXX, Sears CLOSED THE CREDIT CARD ACCOUNT AFTER 8 YEARS OF ON TIME PAYMENTS, an employee by the name of XXXX, claimed that it was those " XXXX late payments of less than a week in both cases, this year '' NEVER TAKING INTO ACCOUNT, LITERALLY, that we have never had late payments over the previous 7 years. 
SO they decided to close the account based on a review of THIS YEAR. 
And to ad injury to insult XXXX invited me to reapply in a local Sears store, and when I reminded him that I was XXXX XXXX he suggested reapplying online. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see attached motion before the XXXX XXXX XXXX. Paragraph XXXX is my complaint to you as well. I previously asked for an investigation into a complaint I filed about the illegal devaluation of my property, which forced me into foreclosure in the first place. It may be still under investigation. 

Now I am on the other end of a property devaluation candle that burns at both ends. The sale of my property, through the on line system, by the bank, which as you will see by the explanation in the motion, resulted in a value XXXX percent below its worth. It was accomplished by the bank itself, with the publishing of a very low value they would pay for the property, only {$170000.00}. The amount is {$100000.00} less that it was purchased for in 2001. The bank 's actions effectuated the low sales price on my unit. If the sale is not reset, then I will be subject to a {$150000.00} deficiency judgment at the age of XXXX. The amount bid has nothing to do with the price my unit could sell for in an open competitive market, and because the sale was to a third party, the county has told me they will count it which will devalue every property in the building, an injustice for many including the MBS owners.. 

You will see I have quoted an attorney who had the sale of his client 's property cancelled with his argument that the online system is not fair. Why are the banks allowed to participate and aid and abet an system of sale that desecrate everyone 's property value and cause deficiency judgments in this manner. Please do something about it. This can not be excused by a ruling that it is internal between the servicing bank and XXXX XXXX. Both the servicer and XXXX XXXX have obligations under federal law to protect the consumer 's loan value, both the borrower 's and the XXXX investor 's. They are legally obligated to do so by my mortgage contract. Please intervene and make the bank join me in contesting this sale, and have them then be the purchaser which takes the unit back appraises it and puts in back on a open competitive market. That is the way it has always worked and because of this the values never went down, only stagnated during recessionary times. 

May I point out that during the foreclosure crisis it was hedge funds buying up these properties at pennies of the dollar, hedge funds which had banks as their major clients, banks whose actions made the values go down with low bids on the on line system, and then they hugely profited buying them up. 

You will see I say the banks use of the online system violates my contract because my contract required adherence to RESPA provisions. RESPA provision require adherence to federal law and regulations which govern federally realted mortages, and the fdICs regulations say that a federally related mortage to sell, especially when it is over {$25000.00}. must be appraised by a certified appraiser and put on the market for a reasonable time. 
Finally may I complain that the bank knows I am appealing to the Supreme Court and therefore never should have requested the scheduling of the sale in the first place. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Columbia recovery group about an account they received from XXXX XXXX apartments that I had discharged due to bankruptcy. They agreed that debt was satisfied and that the account was closed and current. But my credit report still shows it open and active and in collections witch is is not the cash. Columbia recovery group said all the information on there end was done correctly and it should be closed and not showing in collections on my credit report. I have filed a dispute for XXXX for this same account and now I would like to file a dispute for XXXX to remove this. Thank you and my contact number is XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX 2014 unpaid for {$37.00} I have never had XXXX service in my life this is not mine please fix this problem 

Company response: Company chooses not to provide a public response
Consumer complaint: I basically was offered this XXXXXXXXwhich was XXXXXXXXpoints for signing up with Citibank and spending {$1000.00} in 3 months or less after me opening an account. I have repeatedly contact both XXXX XXXX and Citibank for 2 months now and they keep blaming XXXX another. Nobody seems to care to honor their offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several months ago, I discovered an open account in Collections on my XXXX credit report. This was an account listed by Focus Receivables Management of XXXX, GA, in the amount of {$110.00}. Upon contacting them, they had stated this account no longer resided with them, and I needed to contact the original debt requester, XXXX, in order to settle it. 

After doing so and closing out any and all remaining Collections accounts with XXXX, and additionally confirming that I owe no further debt to them with a representative of theirs over the phone today, I noticed that this is still listed on my credit report. 

I contacted Focus Receivables several months ago to question this, and they stated that it was simply an error and would " fall off '' my report in 30-60 days. It has not, and upon contacting them again today, I was told the first time that the representative would need to " request her manager send a Delete Request to the Credit Bureau, but that she was currently busy and to try back later ''. Upon calling them a second time today, I was subsequently told that everyone in that department was in a meeting, and to again try back later. 

Upon further research I discovered a litany of complaints, poor reviews and suggested illegal activity surrounding this company on multiple sites, and additionally discovered they are not accredited by the XXXX. 

At this time I would like to file a complaint in order to have this erroneous information removed from my credit report, as I have done my due diligence in attempting to clear this up with Focus Receivables on my own. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On my XXXX it shows Columbia recovery group has an open account in collections for me for XXXX XXXX apartments. The account was discharged and satisfied from bankruptcy. It is still open and affecting my credit score. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My mortgage company raised my monthly payment based on incorrect information. I had changed home owners insurance company and i notified my mortgage company but they did not update the records. For the last four months they have been " looking into the problem '' and their only solution is for me to pay the new payment and stop calling and telling them to fix their error. They also are callling me from blocked numbers demanding that I pay any outstandng balances. Each time I tell them that they made an acounting error, they say they " will make a note for future information '' but that note seems to not make it to my file. 

Company response: Company chooses not to provide a public response