AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX 2015 we closed on the sale of our house and Bank of America received the payoff on XXXX XXXX, 2015. At that time we had an escrow balance due of {$3800.00} +-. We have not received that payment and after XXXX phone calls to their customer service line we can still not get information on when we will be reimbursed. We have spoken to XXXX XXXX who assured we would receive our payment via usps by XXXX/XXXX/2015 and she would follow up with a call that day. She never called. Again we spoke to another representative, XXXX XXXX who said he would call us by XXXX/XXXX/2015. We have not heard from him either. It should be noted we were told the week of XXXX/XXXX/2015 the check was being sent XXXX and should have it XXXX/XXXX/2015. In none of these cases were we given a tracking number even though we asked. Note also that on the attached documents the escrow report shows a deduct from our account, we have not received that money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a lien for my state taxes, which I paid in full last XX/XX/2014. I took out a loan so I could pay it, and have also repaid the loan. This was all done through my bank XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, MA. XXXX phone XXXX. p. XXXX, XXXX. I have tried to get this resolved by sending documents to Experian Credit Reports, to no availe. It is still reporting that I hav n't paid the XXXX. Which in turn is affecting my credit. sombody needs to do something, as I just ca n't seem to get my name and credit cleared, and I 'm tired of trying. Could someone Please help me out. Thank-You. 

Company response: Company chooses not to provide a public response
Consumer complaint: in 2012 I applied for a loan modification with Bank of America and wasaccepted, the loan modification went thru and my mortgage payment waslowered .... a year and a half goes by and I start getting these packets viaXXXX, I complied with all that they required me to do and did more thanthey asked of me, in return for complying I was supposed to receive XXXXdollars from Bank of America well I never received a dime from the Bank. 
I received another packet of documents they wanted me to sign becausethey put my mothers name on the documents, my mother in law has beendead at least two years and I sent the Bank her death certificate at least 6times, so I signed the documents that the Bank sent me and on the line wheremy mother in law was to sign I wrote in Deceased just like the Bank told me todo, so I sent the documents back to the Bank and low and behold I receivedanother packet in the mail this time they needed a signature from my stepdaughter because when we first got the loan my step daughter was a co-signer, however I had her do a quick sale and her name was taken off of theloan so too make a long story short, in all I received 9 different packets fromBank of America each one needing different signatures and I complied toall that they asked of me, and the straw that broke the camels back was I justreceived another packet, now they tell me they are going to give me XXXX dollars, this has really been a burden on me, my wife and family I amso frustrated with Bank of America with their incompetence which is AmazingI ca n't sleep at night and have nightmares that the Bank is going to take myhouse from me, even though I always pay my mortgage on time ... .. sometimesI XXXX this how much Bank ofof America has been XXXX. I do not take this lightly this has beenthe worst ordeal I have ever been thru in my entire life ... HELP, HELP, HELP, before I XXXX .... HELP ... .. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collectors have repeated called myself, my fiance and my grandmother looking for a family member whos address and phone number they have for a debt that is not mine or ours. when asking what the issue is in regards to or where they are calling from they hang up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've been trying to close on my property and have a willing buyer. Time is of the essence and I am also in bankruptcy so I need it to close. I have asked green tree to submit payoff information multiple times. I made a payment in this loan XXXX XXXX, 2015 and asked for a payoff for XXXX XXXX at that time. It 's the XXXX of XXXX and their attorney does not have it and I have not received it nor did my title company. I 've called multiple times. I 've emailed them. What else am I supposed to do? They act like time is not of the essence, yet they are the first to send threatening letters when they do n't get a payment. They have no clear way of ordering a payoff or knowing that the order is being processed. The end result if I do n't get this payoff by tomorrow is I 'm going to loose my buyer and the property will go into forclosure all because I 've been trying to contact them to get a payoff that they do n't seem to want to provide or are too incompetent to know what to do. How is it that I have spoken with XXXX different people at green tree and none can give me an answer about my payoff? Do n't they want the property to close? Is time not of the essence for them in this real estate transaction? this company is about the most incompetent financial institution I 've ever dealt with and certainly do not have customer service as a priority. You would think they would have payoff information at their finger tips. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I sent Harvest Associates Inc., a request for a verification and validation of this debt pursuant to the FDCPA, 15 U.S.C. 1692. Next, I received a response letter from Harvest Associates Inc. stating who the original creditor and the current balance of this debt. However, Harvest 's letter failed to verify or validate any legitimate debt. Thus, Harvest 's letter failed to provide any clear documentation or admissible evidence of the allege debt they report to claim. According, Harvest Associates has not provided any evidence that they have extended funds to the consumer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid the balance In full via telephone, and got a confirmation number for the transaction. 
Bank of America acknowledges receiving the payment but to date the payment has not been posted. 
BOA can offer no explanation why my account has not been credited, even though mychecking account has been debited and my bank has provided documentation that the funds were sent to BOADate of payment - XX/XX/XXXX/15Representative - XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have several accounts that are fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this fake information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ... 

Company response: Company chooses not to provide a public response
Consumer complaint: The company flagship credit hired a man that claims to be a criminal investigator. He has threaten to put a warrant out for my arrest as well as threaten that I have a class XXXX felony against me. He will not give me his name but continues to ask me to contact the comoany. This is against fdcpa. I have already notified flagship about the owner of the vehicle due to me being the cosigner. They still contact me over 15 times a day as well as other family members and harass me. I am going to seek legal action because this have put me and my family in a horrible situation. I have a 3 month old son that I take care of. I do not work and I asked them several times to stop contacting me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Diversified Creditors Services in XXXX, WA has consistently called me at work and my cell phone. They give the mini miranda when calling my place of employment so now they have shared knowledge of collection of a debt with my employer. I also have never received a validation of this debt, just numerous phone calls. I did attempt to call them and they did n't even verify that it was me on the phone. They asked my name, that was all. When I said that I did n't think they were allowed to call me at work the debt collector disconnected the phone call. Based on them calling my employer, not validated any debt and not verifying who i am when discussing a debt I 'm think of getting legal counsel regarding consumer harm. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX, 2015, I had just one face-to-face conversation ( wherein I did provide taxes & some other financial documentation ) with XXXX, a loan officer from Wells Fargo in XXXX, Washington to obtain his professional opinion of my debt-to-income ratio for a desired refinance of my primary residence. I clearly stated I did not want to move forward in any other way until he had looked through the docs & could be reasonably sure my scenario could meet their DTI requirements. He was told I did not want my credit pulled as it had just been pulled by an incompetent loan officer in XX/XX/XXXX & I did not want damage to my credit scores by multiple credit inquiries. On XXXX XXXX, I received my " notice to the home loan applicant '', and it was the only knowledge I had of this LO pulling my credit -- he DID NOT ask permission on XXXX XXXX, the date he pulled it. He was never given written OR verbal authorization to do so. They have no documentation of any sort signed by me in connection with this proposed loan -- no XXXX ( I never filled one out ) or any other disclosures, and certainly no authorization to pull credit. 
TO NOTE : From the time of the aforementioned credit pull in XX/XX/XXXX, my XXXX score dropped from XXXX to XXXX. I contacted their escalation department & spoke with XXXX who " investigated '' & called me on XXXX XXXX to tell me it " seems like a he-said-she-said situation '' and that he could do nothing. I said I had an emails wherein I questioned LO about why he had pulled my credit ( as well as why I was getting no contact or proper communication from him on any level ), and he asked me to send those to him. To my dismay, on XXXX XXXX he replied in part : " I 'm compelled to say that I think we do n't have enough information that it was understood that your credit would be pulled. Your email did n't state anything in regards to not telling the HMC to pull your credit. Unfortunately we will not be able to have the credit pull removed from your credit report ''. 
Being a former loan officer myself ( from XX/XX/XXXX-XX/XX/XXXX ), I am shocked that a financial institution has the right to intimate that I have to tell them NOT to pull ( which I did! ) or that ( perhaps any ) consumer would/should simply " understand '' their credit would be pulled! I ALWAYS GOT SIGNED AUTHORIZATION from my consumers! I 'm further shocked that this loan officer can just ( apparently ) say I gave him verbal authorization?! And XXXX stated in our phone conversation on XXXX XXXX that me providing some documentation ( again, never filling out an application NOR signing the authorization to pull credit! ) was considered by them as me " understanding that my credit would be pulled '' .... 
Can you please help me? It 's a real matter of principal for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to re-finance my mortgage in order to get cash out for remodeling the house. For some reason when they did the title search a 2nd mortgage came up that I know nothing about. I have never received a bill or any notice from them saying that I owe this and I have no idea how it ever got attached to my property and have never had any communication with them. There is nothing in my current loan documents that show that I ever took this loan out. Please see the attached documents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We just received a dismissal of bankruptcy in XXXX of this year. The next month we recived a call from Select Portfolio stating that our mortgage payment was late. I called to find out what the problem was and was told that every payment we had made with them fro the past year ( they took over the loan from XXXX XXXX XXXX, 2013 ) was late. I stated that we were current with our loan, and have subsequently spoken with them XXXX more times and told to get a payment history, and they just have the same answer every time. 
We did recive a letter from XXXX in XXXX of 2014 stating we has a late payment at some time in the previous 12 months. I called the number provided but they would not talk to me about it because we were in bankruptcy. We also were getting the " pay for performance '' incentive until XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ( 1 ) The quick and dirty is my house was foreclosed on in XX/XX/XXXX. In XX/XX/XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XX/XX/XXXX, in part, because I was still XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XX/XX/XXXX, in XXXX County, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: We place our condominium in XXXX RI on the market XX/XX/XXXX. The best offer was {$85000.00} -- well below the {$120000.00} we owe the mortgage holder ( Citimortgage ) so we applied for a hardship short sale, based on this extreme loss of value and my impending unemployment from my company of 15 years. 

It is now XX/XX/XXXX and we still have had not decision by the bank. They have requested the same documentation from us at least 4 times in the past year ( XXXX, pay stubs, self-employment income, etc ) and have repeatedly sent us offers for " trial period '' payment schemes that provide no interest rate, term of loan or outstanding balance. 

We have a short sale attorney working for us, but they too have been unable to get responses from the bank despite many many requests for resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Cross Country, Mortgage Inc. employee XXXX XXXX, XXXX # XXXX Phone XXXX Cross Country Mortgage, Inc XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Ohio XXXX Employee XXXX XXXX was very slow and unproffesional in the work on our loan for a condo, never hardly getting documents to us or other parties in a timely manner, not responding to our phone calls in a timely manner causing us to fire him, and his company, and getting another Mortgage company that was very good at all aspects of our loan application. XXXX XXXX even purposely delayed sending documents to new company we employed. He also gave bad advise to my wife advising her to come off loan causing us to have to pay {$660.00} to quit deed her onto condo after closing. I would like for XXXX XXXX or his company to reimburse me the {$660.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXXI am a victim of ID theft and this finance company tells me the account number but refuses to remove it from me I have never purchased or signed for any auto financed through Westlake Finacialtheir number is XXXXAccording to the lady my account number is XXXXshe would not even tell me who or where this came from please help me to get this off my credit 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had trouble making payments on my Macy 's credit card. I do all of my payments online and Macy 's is the most troublesome. They offer a payment tab on their store credit card online account profile but the site is almost always blocked. I tried from several sources to complete this request and then resorted to calling them at their customer service line XXXX @ XXXX, only to hear a message stating that I should call during regular business hours. Making it this difficult to make a payment is their standard memorandum operandi. I now have to go back to paper billing to have a consistent and reliable way to pay my bills. 

Company response: Company chooses not to provide a public response
Consumer complaint: Here is what I sent : Dear Sir : You need take all of the following off my credit report. It is required by law to eliminate after 6 years ( Colorado ). Needs to be removed from credit report / much misinformation as shown below / 6 years past communication with creditor per Colorado statute : XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payment stopped / never made - XX/XX/XXXX ( Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payment / XXXX XXXX XXXX Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payments stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payments All Payment stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payment All payments stopped as of XXXX XXXX, XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Missed payments All payments stopped as of XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All Payments stopped as of XXXX XXXX, XXXX ( past 6 years ) This is the second request. Respond to my request. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX , XXXX XXXX, Co XXXXPrevious address : XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXXMost if not all of this issue is 7 years or older. Also live in Colorado and I understand it is 6 years for things to be removed. I have not talked to or made any agreements with any bank or organization. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX University from the fall of XX/XX/XXXX to XX/XX/XXXX. I decided to apply for student loans with Citibank because they were one of the only loan companies that I could get a loan through with my credit and a cosigner. Since graduating XX/XX/XXXX they have sold off some of my loans to XXXX and kept the majority that had very high interest rates. They allowed me to put them in a forbearance for a certain amount of time but once that time was up I was not able to defer them any longer. I had to jump through hoops to get them to put them into a forbearance while I was away for XXXX and would n't have access to electronic devices to be able to pay my bill. I did not get a good job out of college and have struggled thus far to be able to pay the {$430.00} monthly payment that they offer no other payment plan for. This is on top of a {$120.00} payment to discover and almost {$200.00} to federal loans. I fell behind on my payments and they would call me at least XXXX times a day ( from various phone numbers ) starting at XXXX central time and not letting up until XXXX or XXXX. I also received at least one letter a week demanding payment and have a stack, almost an inch thick, of letters from them, my co-signer also received these letters. This was not only stressful and humiliating, but it was also depressing and made me regret ever going and getting a college education. I have recently had to take out a small personal loan to get caught up on the payments, but was unable to even get a loan for more that XXXX dollars because of the negative impact the Citi Student loans had on my credit score. They are unwilling to negotiate a lower payment amount and I ca n't find anyone that would even consider consolidating loans from them. Their associates are much less than pleasant to speak with and leave me feeling like I have no self worth after talking to them. Overall my college education feels like a disappointment because the job market is not that great, and I 'm stuck with student loans from a company that 's money hungry and unwilling to make any kind of compromise with their customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: in XX/XX/XXXX I co-signed a loan for my step-daughter to buy a double wide modular home, she paid her mortgage for XXXX years until her husband did not pay their school taxes for a few years, the county of XXXX pa., sold the home for {$1500.00} for the taxes. no one notified me of any of this until much later. greentree finance was notified even befor the house was sold yet did not let me know. since the taxes were in XXXX name and not mine I do not feel I should be responsible for the loan especially since greentree finance demands that I pay for insurance on the house yet tells me forget the house I still have to pay for the loan. the building is worth more than the loan and I told greentree that I would gladly sign the title over to them since they should have a lien to be able to collect from the new owner. XXXX in a XXXX in XX/XX/XXXX. greentree has a collection notice on my credit report showing XXXX dollars do but still calls me to pay 

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