AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am having difficulty paying my mortgage because my taxes and insurance are not escrowed. I contacted my mortgage servicer and told them I was not going to be able to pay the XX/XX/XXXX payment because I was paying my taxes of {$890.00} and my insurance of {$660.00}. I paid the taxes and the insurance last week. Now i received a letter stating they paid it too! We have never been late on paying our mortgage until now.I asked if I qualified for a HAMP and my servicer started the paperwork for my HAMP application. I sent my documents to them within 24 hours. Now they denied me and I just received a letter stating they paid my taxes, which I did not ask them to do, and that they paid it from my escrow account. I do n't have an escrow account with them, however, they took it upon themselves to create one! Now my mortgage payment is going to increase because of the escrow. I explained to them that the reason I am having difficulty is because I was diagnosed with an illness and that the medication, treatment, and therapy have used up my savings for the taxes and insurance. They refuse to lower my interest rate, currently it 's at 7.8 %, I have a good credit score. They claim they denied my HAMP application because my mortgage payment is less than XXXX % of my income. Currently the amount of my mortgage payment being applied to principal is only {$530.00} and the interest I am paying is {$520.00}, which to me is outrageous. I am struggling financially and trying to keep my head above water. I tred to get my home refinanced, however, because I have a XXXX lien for the XXXX Hardest Hit in the amount of {$38000.00}, I ca n't get refinanced because my home is still not worth the total amount owed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in receipt of a notification dated XXXX XXXX, 2015 indicating that the law firm of XXXX XXXX XXXX, XXXX of XXXX, NJ has been retained to initiate a lawsuit to foreclose the mortgage on my property. As per this correspondence, it denotes that the creditor of aforementioned property is XXXX Bank XXXX XXXX and/or XXXX Mortgage Loan Trust. This is not my mortgager ( it was XXXX XXXX XXXX ), it 's now Select Portfolio Services. 

I 've requested that the law firm provide information to validate the creditor and ownership of this mortgage. Neither of these institutions have been a mortgage holder which I am familiar with. I am currently in the process of negotiating a modification of my current mortgage with Select Portfolio Services XXXX Inc., and appealing the preliminary decision. This notice is the first time I 've been advised of these XXXX additional creditors/trustees. I feel like this is an institutional strong-arm tactic to intimidate me into a short-sale of my home in lieu of a modification. 

In addition, the original mortgage for this home was refinanced several times over the past 10 years and initially was $ XXXX. I 've requested with a chronological explanation of the additional {$62.00}, XXXX. This amount appears to be incorrect and/or is underpinned by predatory lending practices from lender to lender. These may be lenders that I am unfamiliar with that appears to be certificate transfers. I would like to see these transfers with dates and explanations. 

Lastly, as you may imagine, I am deeply concerned about these institutional hand-offs from lender to lender and the legalese in this recent correspondence. I have requested a detailed explanation of items # XXXX & XXXX in layman 's terms, as I am unable at this time to afford legal representation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a mortgage serviced by ASC ( Wells Fargo ). It is a balloon loan with final payment due XXXX 2016. The rate is 10.5 %. The house has fallen into dis-repair due to health issues. It is currently uninhabited. I am current on my payments, however it is ruining me financially. I am living paycheck to paycheck. My LTV is about XXXX %. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check for {$19000.00} in my Regions checking account. The bank put a hold on that amount. Then the subsequently put another hold on my account for the same amount. This resulted in completely draining my bank account. My current balance is now - {$15000.00}. I went to the branch that put the hold on the check and they tell me that fraud prevention put the hold on the check. I asked them to explain how they can put two holds on same check and take money they did not give me out if my account. Their response - come back on Monday. Fraud prevention is closed and there is nothing we can do. So I can not even buy food because they are incompetent. The customer service representative refused to escalate or do anything. So we XXXX up and took all of your money and we are n't going to do anything until next week because its inconvenient. How can they put two holds on the same check and take money out of my account when they never gave me any money? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a co-signer on a car from several years ago for my brother, he is behind on payments by 2 weeks until he get paid on Friday. They call twice a day and I even spoke to them, to let them know I had no money to give them because of my own student loans. I also informed them as soon as my brother he is paid, he will make a payment. Until then, please direct calls to him and that I had already left a message for him myself about drive time calling. This was at XXXX XXXX today and then at about XXXX XXXX, XXXX, called back that very same day. When I called the company back to let them know I am getting several calls in the same day, not just one or two but sometimes it will be three or four if I am at work and can not answer like I did today. I got nothing from them but I understand you being annoyed, the operator could n't even set to where it would not call several times a day. She pointed me to her website to set up a time they could call, I proceed to the website and there is no such place to set up times they can call you. Drive calls 3 to 4 times a day, 7 days a week. I have to make sure my phone is on silent on church because they always call in the middle of service. It is harassment, one call would be fine, but when you call twice a day AND you talked to the person already that day. IT serious stalking mode, when he is probably not that far behind on payments. If he was that far behind, why has n't the car been repossessed. The fact is I do not received the bill and since I am very cautious of companies, I refuse to pay anything if I had it to someone over the phone. They will be calling me tomorrow several times and I will fill out another complaint if needed. 

Company response: Company chooses not to provide a public response
Consumer complaint: IN THE LIST OF ADDRESSES THERE IS XXXX THAT I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED ANYWHERE BUT THE OTHER XXXX ADDRESSES XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank received and deposited insurance proceeds that was in my name and not endorsed by me and now holding and refusing to release funds that was supposed to repair home from fire. The proceeds are much more than what I owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House XXXX XXXX XXXX of the United States Congress, passed in Congress assembled on XX/XX/XXXX. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Experian ( attached ). 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY XXXX FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX " suspected fraud activity '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to know how Trans union arrives at a credit score What causes the difference in the types of scores. As car finance, Bank finance, Home finance payments.Credit cards.What priority and scores apply to these. 
Also Foreclosure, Short Sale, Deed in lieu, or Foreclosure started. 
What determines the length of time things stay on my credit report and the [ process used. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I tried to refinance our home XX/XX/XXXX. We went through the process with a lending company, provided our personal information, paid for the property appraisal and by XX/XX/XXXX or XX/XX/XXXX we were told that everything was just about complete and ready for final approval. So In XX/XX/XXXX I call the finance person handling our loan since we were approved and a check was being cut to pay off the current mortgage company, was it necessary to pay our XX/XX/XXXX mortgage and we were told no, to hold on to it. ( I have the email message pertaining to this ). A week later we were still waiting for final approval and the finance company needed additional information, which we provided and we were told everthing was going well that we should have final approval by the end of the week. We contacted the company again and more information was required, now it was our credit report and we were told that we needed to pay down one of our credit cards in order to get our credit score to rise. So we paid {$500.00} on one of our credit cards as requested. By now it 's XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX our credit file had been reviewed by this finance company over 6 times causing negative or points being taken off our credit score. XX/XX/XXXX I called our current mortgage company to explain what was going on and we were informed that they had reported that our mortgage payment for XX/XX/XXXX was 30 days late. I called the finance company that was processing our refinance and explained to him what was going on with the mortgage company and he claimed that he never told us not to pay our mortgage for XX/XX/XXXX and that this negative mark on our credit report would more then likely not help our refinance. After this conversation we did not hear back nor receive anything from the finance company until 30 days later. We received in the mail a letter stating that our refinance loan was approved but not used. So I called the person that was helping us with the refinance loan and he had no ideal what the letter meant, that he would look into it and get back to us, he never did. We also contacted him concerning the negative marks on our credit report from the many unecessary times that they had to run our credit report and the negative mark from the late mortgage payment, he said that he would assist with writting a letter concerning what had transpired, he never did. He referred us to a credit repair company which is now going to cost us {$1500.00} to repair the mess caused by this finance company 's lack of follow through. So now we are out of the {$470.00} appraisal fee, {$500.00} to pay down the credit card, additional fees charged by our mortgage company for the late mortgage payment, negative credit ratings and being required to pay {$1500.00} to fix something that the refinance company was responsible for due to their bad advise and unorthodox operating procedures, which has left our family with a financial headache. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Wells Fargo strongly suggested that I open a business credit card account in order to maintain some features I had. I never requested they connect it to my consumer checking/savings. Why would you do that since the IRS frowns ( rightly so ) on co-mingling funds. Historically I kept enough of a balance in my saving in order to cover any overdrafts from checking. This happened and Wells Fargo covered the overdraft from the business card-a set up I never requested. It should have been easy to fix. Remove the charge from the credit card. Make a transfer from savings to checking to cover the amount. Why link a business card to a consumer account? For years I covered any overdrafts from savings. 
The txt files attached are text sent by WF secure email. I can only copy text before sending. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Owed XXXX a bill for {$440.00} I Paid them late on XXXX/XXXX/2015 but then A Bill Collector contacted me ERC '' Enhanced Recovery Company LLC. Later contacted me about the bill they said they would settle it for {$260.00} I Explained I Had paid XXXX The full amount already and sent them a copy of the receipt and then they told me sense it was not a collection it would be removed from my credit after months of waiting it was still on my credit I Contacted them again and they then sent me a letter saying they received my payment of {$260.00} I Never sent them any money I Paid XXXX I Have tried everything with them and have got nowhere! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was working on a loan modification with my lender ASC Wells Fargo is the servicer. I was told the modification review was halted for XXXX different reasons. The first reason was missing paperwork. The required paperwork was submitted but in fact the home preservation specialist was reassigned and my paperwork was lost during the transition. Second reason I was given and a very different one was that the value of my home was in the XXXX range and therefore a modification or principle reduction was not possible. The comps the lender used were comps outside of my neighbor hood and the appraisers were located in cities XXXX miles away. The appraisers did not look at the recent solds on my street which are in the XXXX range. I sent the recent sales ( XXXX range ) in my neighborhood info to ASC. The information I provided with the accurate home value info was forwarded to a loan specialists with Wells Fargo. I received a letter that they were reviewing and would get back to me. The review was to be completed by XX/XX/XXXX. That date passed and I did not hear back from Wells Fargo. When I called to inquire the loan specialist assured me the denial for loan modification had nothing to do with the inflated appraised value of my home. Within a week a sale date was set for my home and no written communication came from Wells as promised. It was all verbel. I contacted XXXX XXXX the Wells loan specialist to inquire as to why I had not received in writing the reply to my request for further review. It was suppose to be received XX/XX/XXXX. See attached letter. When I spoke with XXXX I asked what the price would be for my home at sheriff sale and she indicated it would be in the XXXX range the true value of my home based on recent sales. Essentially Wells denied a modification this time because their appraisers valued my home in the XXXX range when in fact the value is in the XXXX range as confirmed by XXXX XXXX and that is the price it will be sold at sheriffs sale. How can a lender be so far off on determining market value of a home? Why would slender rather foreclose on a property than do a principle reduction and keep an owner of 27 years in their home and at the same time keep the neighborhood from decline. My complaint is two fold. I have been given multiple reason for denying a loan modification and the lender Is responsible for using inaccurate comps to value my property. Inexcusable for a lender. I have yet to get a sherries notice. I found out about the sale date in public records. I thought I was to be given 30 days 

Company response: Company chooses not to provide a public response
Consumer complaint: My grandmother wrote me a check for XXXX, but the date was wrong. I did not notice until the bank teller told me so. Now, this is understandable. I laughed it off and went home to call my grandmother. She apologized and wrote me a new check. Now, keep in mind that she is XXXX XXXX XXXX. After driving quite a distance to pick up this new check, I arrived approximately 1 week later to the very same bank location. And the very same teller. Little did I know, my grandmother had crossed out the new check number and written the old check number. Apparently this is not okay. So, I was denied once again. A little frustrated at this point, but by no means mad. This is again, understandable. After waiting a week and driving ANOTHER quite a long distance, I pick up a third check from my XXXX year old grandmother. Did I mention this has taken up a significant amount of my time and money? Driving long distances and leaving work early, etc. I arrive at the bank once more, same location, same teller, confident that " third times a charm. '' Well it is not. This time, my poor XXXX year old grandmother 's handwriting is " illegible. '' It is to the point where I am being profiled. I was told I need to tell grandma she needs a power of attorney. My grandmother does not need a power of attorney. The best part is, I heard XXXX tellers say the amount of this check aloud. It 's clearly legible. 

Company response: Company chooses not to provide a public response
Consumer complaint: I authorized a payment over the phone of {$250.00} with a rep from Wells Fargo for a private student loan. I was charged {$350.00}. I called and they said they would listen to the recording and credit back the difference. They did not credit this amount back. I recorded the original phone call as well as the phone call stating it should be credited. I went to school at University XXXX online. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a freeze on my credit report which should help prevent identity thief, but Transunion continues to allow inquiries into report. I have put a freeze on my report and alerted Transunion of the identity theft, but their response is always negative. Recently, I requested the removal of inquiries that were n't authorized by me, but Transunion refuses to remove it. 

Company response: Company chooses not to provide a public response
Consumer complaint: all XXXX bureaus failed to correct XXXX Mortgage reporting inaccurate and incorrect information about current payment status 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. I have notified the following credit bureaus they are reporting these fraudulent accounts that are a result of identity theft ; XXXX XXXX XXXX # XXXX with Experian and XXXX XXXX XXXX XXXX XXXX # XXXX with XXXX XXXX. I have supplied the Credit Bureaus with my dispute letter detailing the accounts that are fraudulent and were created by someone who used my personal information and identity for fraudulent services and financial gain. I also detailed in my letter, describing how it was not possible to create these accounts because I no longer was in the state the account and contract was created in. I also disclosed to the credit bureaus the suspects who forged my signature and used my personal information are XXXX XXXX and her associate XXXX XXXX. I believe they used my personal information and created these accounts, as they had access to my personal documents. I filed an identity theft police report with the police department, notarized Federal Trade Commission ID Theft Affidavit, and disputed the fraudulent accounts, supplemented with a copy of my drivers license, social security card and utility bill. I ensured my letter had my current address in the letterhead, date of birth and social security number. The Credit Bureaus failed to give a reasonable investigation to my disputes. If they did, they would have observed I provided abundant information to support my dispute and claim. I am a victim of identity theft and these accounts are created by the theft. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been denied by housing authority because they say I have a eviction on my credit from last year I was never evicted I 'm currently still living on the property I was late on rent and had to XXXX dollars to the general session court..on my credit report it says paid..is there anyway I can get that off 

Company response: Company chooses not to provide a public response
Consumer complaint: Went to settlement on my house XX/XX/XXXX. {$3100.00} was impounded at settlement to pay 2015 taxes on the property Mortgage went from Greentree to Ditech.Taxes were never paid.Amt.owed went to collection agency with a lien date XX/XX/XXXX.I have called Ditech for 3 weeks .They were researching the problem.The tax bill has not been paid now I 'm in danger of losing the house & my good credit has been damaged. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: To whom it may concern, I am a victim of identity theft which in the process i have fradulent and wrong, personal information in the transunion credit file that belongs to me. I am going through a finiancial burden and i am unable to get a loan of any sort due to the fact that infromation on the transunion credit file is not mine. My transunion credit score and my fico score are to low and will be able to be evenhigher and better if these wong and fradulent, personall information can be corrected to the best to the best of my knowledge. The information is incorrect and i am trying to fix and make sure that all my personal information is corrected and passed on to all the credit bureau agencies. i have been denied credit in the past 10 to 60 days. I know it is a crime to give false information to any local, state, or federal instuiton or agency therfore i am giving transunion the opurtunitty to help me resolve these problem as soon as possible. So to my best intrest all the information that i have and will give to transunion and the cfpb is correct and can be and will be able to be prooved with any or all legal documents to be provided by me. 
Please Help me i do not know what else to do. Please advice. Thanks 

Company response: Company chooses not to provide a public response