AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My complaint is with Ditech formerly known as GreenTree servicing LLC. I was informed by my Realtor on Saturday that he pulled up auction as he does and my home was listed to go up for auction on Monday XX/XX/XXXX. My home had been up for short sale and has some potential offers coming through. I made contact with Ditech Monday morning XX/XX/XXXX and talked with a rep and asked if sale could be postponed so my realtor can drop price and get an official offer. I was told by the XXXX rep that she will send to upper management and will callback within a hour. No callback so I called and was told still had not heard anything and that I should try back. I called back 2 more times and they new nothing. I called Tuesday morning and talked with my normal Rep XXXX. She looked over case and asks the normal questions is it your intent to keep the property as they do every time you call and I have been since XX/XX/XXXX been saying no its up for short sale. I asked her about auctioning of house scheduled for XX/XX/XXXX and that we have not received any notice and that only reason that we know if because of realtor seeing home on auction list that he gets. She said that we notified your realtor. I said no you didnt and why would you tell them and not send some sort of notice to me the homeowner. She then bags off and says well we cant speak with you because your intent is not to keep that property. I said that has been this way since XX/XX/XXXX and you all have called me 2-3 times a week. XXXX then states that they can talk to me if I call them. I told her once again they have been calling weekly. XXXX hangs puts a manager named XXXX on the line who tells me that my short sale was denied back on XX/XX/XXXX. I informed her that I was not under short sale then. She then tells me that it was denied XX/XX/XXXX. I told her I received a letter from them stating that my modification was denied and that I have other options such as Short Sale or Deed in Lieu of. I am supposed to be doing Short sale so what is problem. She said oh well nothing we can do. I then asked her when was I gon na be notified that house is up for auction and she tells me oh the sheriff will serve you or you will receive certified mail. Neither has happened and auction is on Monday XX/XX/XXXX and its XX/XX/XXXX. This is not the only issue with Ditech formerly known as GreenTree. I have never received notice that they were taken over by Ditech as recovered by law. I also have not received a statement from GreenTree/Ditech in almost 2 years. I have filled out modification paperwork over 7 times only to be denied each and everytime. The have violations they have committed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: a debt collector that is not licensed in my state is attempting to collect a debt they do not own I have asked via USPS certified to provide me proof that they in fact are the creditor and provide proof that I own the debt as well as proof they can collect in my state they have failed to provide me with that information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a voice mail on my answering machine from a Linebarger, Goggan, Blair and Sampson Law Office pertaining to a past due debt I had for a parking ticket in XXXX. When I wrote down the reference number I accidently transposed XXXX of the numbers ; however when I called the XXXX number, I typed in the reference number and without asking for any additional verification the automated system proceeded to tell me another client 's personal information. The reference number I typed in was XXXX instead of XXXX ( this is my number ). I just thought someone should be aware because I do n't want anyone knowing my information if the number was typed in accidently by another client. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I had money debited out of my wells fargo account in XXXX 2015. {$1300.00} and some change I contacted Wells Fargo to stop the transaction and dispute it. I was later told they could not tell whether I gave my card away to someone to use it so they denied my claim. None uses my account. I lived alone then. No one had access to my card.The rep told me maybe I made a purchase in the store. I told the rep I was at work and the proximity of my job and where the transaction was done was not anywhere near close to each other. I have attached a copy of my time sheet which i have faxed over to wells fargo and received nothing back from with regards to receiving it or not. 

Company response: Company chooses not to provide a public response
Consumer complaint: My social security number was used to open a credit account. I contacted TransUnion to put a fraud alert on my credit file and had to listen to a 2 minuet recorded advertising message to purchase their credit protection services at {$11.00} a month. This is absurd. I had to listen to the entire recorded message in order to get a confirmation that they had put a 90 day fraud alert on my account. They were able to hold me hostage at a time were I felt very insecure about the identity theft that happened to me. I ca n't even imagine how many people they are able to scare in to purchasing this service from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: The medical bill owed does not belong XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for XXXX bill that was reported twice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed this XXXX account for {$720.00} on my transunion credit file numerous times and all I get is a letter stating it was " Verified ''. I have contacted the collection agency to VALIDATE the account and I have been unsuccessful getting XXXX to validate this account in 30 days so I know Transunion have not verified this account. E-Oscar is not a form of validation. I sent this letter to transunion : TransUnion XXXX, PA XXXX Date : XXXX XXXX, 2015 RE : XXXX, account with the amount of {$720.00} Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I included my social security number on the original page 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage was refinanced. I paid for an appraisal which came back value XXXX agent appraisal. The refinance was Based on XXXX. After a Va appraisal was done again it came back at XXXX an the Appraisal guy stated to me I had XXXX equity At the closing the agent did n't show up an I was Ripped Off! XXXX XXXX XXXX agent XXXX XXXX changed the paperwork an I sat there alone at the closing unaware. To my knowledge everything was based on XXXX! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a issue regarding multiple shortcomings in the credit reporting process. On XXXX XXXX, 2015 I ordered my XXXX credit reports and score from Experian. The Equifax score was over XXXX points lower than the other XXXX credit bureaus even when computed by the same scoring model. No one can tell me why the score is so much lower even when the information in all XXXX bureaus is nearly identical. The experian credit factors also states that negative factors include the fact that my oldest account is less than 6 months old and that I am behind on my mortgage ( There is no delinquent mortgage reported anywhere on my credit report and the oldest open account is over a year old ). The same XXXX inaccuracies are also present on the XXXX record. These credit reports also list several credit inquiries that I have disputed many times and each time the dispute comes back stating that " then entry is of factual record '' and the inquiries have not been removed. There are several inquiries that I have not authorized and are having a negative impact on my credit quality and there should be a way to get these inquiries removed if they were not authorized. These inquiries include XXXX XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX I. I have disputed these entries more than once and have even tried tracking down phone numbers for each the creditors of which is just a endless loop of phone calls and transfers to departments that have no way to look up any record of me applying for credit with each respective lender. There is also just a blatent disparity of data accuracy across the reports with for example XXXX bureau reporting a account open and another reporting the account closed on a loan which was paid off years ago. When a consumer disputes this information sometimes the info is fixed but more times than not the dispute is left unresolved and at times when disputing these entries there is a text box within the dispute that only gives me a few XXXX characters to describe dispute which is no where long enough do describe all of the information that needs to be corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have went through the entire process of the loan modification making the test payments required submitting all documents they requested and at the end of the process they send me the paper work for me to sign and its incorrect. Flagstar bank is refusing to give me a loan modification because of incorrect paperwork that they sent out for me and my estange wife to sign that she will not sign. She is not on the loan nor the property deed and she refuses to sign the paperwork because Flagstar has her listed in the documents as being responsible for the modification. I have called them several time and they are refusing to remove her name or send a letter stating she is not responsible for the financial obligations. They are trying to force her to sign something and she has no legal rights to it or foreclose on the house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do n't owe this debt, I do n't know who this company is, and I would like them to prove that I was under contract with them. If they bought the debt from some other company, then that would be a violation of HIPAA. Regardless, I do n't owe this company anything, and they must be removed from the report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: It 's been an ongoing issue with Carter-Young, the employees are very rude, unprofessional, and dishonest. The owner XXXX XXXX, has refused to send me requested documentations to settle an XXXX XXXX XXXX debt. I 've requested to have this debt removed off of my credit report, because the owner refused to send me a letter stating that he would have it removed off of my credit after paying. I 've disputed this debt and they are not removing it. This debt is now XXXX XXXX XXXX and past the date to have it removed off of my credit and they are still refusing to have it removed, which is breaking collection codes, and it 's causing me stress, and hurting my credit score. I am in the process of hiring an attorney to handle this if I ca n't get it resolved. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We moved from XXXX to XXXX for better jobs and higher education. Our house in XXXX was listed for sale. The mortgagor is Citi Mortgage. 
The house has still not sold, and we can not afford our living expenses plus a mortgage payment, so we began an application with Citi for short sale or DIL. We spent months submitting every scrap of documentation they requested. We received confirmation that our application was complete, and that a decision would be forthcoming. 
On XXXX XXXX, we received an email informing us that the house was sold in the sheriff 's auction on XXXX XXXX. 
The next day, XXXX XXXX, we received a letter in the mail from Citi stating that they had rejected our application for short sale due to our failure to submit certain documents. ( We submitted every document they asked for. ) Now, our house has been foreclosed, our credit is destroyed, and we have no opportunity to pursue a short sale because Citi sold the house *on the same day* that they rejected our application. 
A Citi employee finally revealed to me on the evening of XXXX XXXX that their negotiator had arrived at a price of {$110000.00} to satisfy a short sale of the house, which has a balance owing of around {$110000.00}. We were never informed of this. 
During the time we were waiting for Citi 's approval, the house was listed at {$120000.00}, and we received an offer of {$110000.00}. Being completely unaware of the negotiatior 's figure, we counter-offered {$120000.00} and the counter was not accepted. Had we known that a sale price of {$110000.00} would have met the bank 's requirement, we would have countered with that amount and possibly have gotten an acceptance from the prospective buyer. 
We feel that Citi rushed to foreclose on our house when our application for short sale was already completed, using the excuse of " missing paperwork '' to justify their actions. We were misled, intentionally. 

Company response: Company chooses not to provide a public response
Consumer complaint: calls started XXXX/XXXX/2015 from XXXX XXXX from XXXX XXXX and XXXX saying I owed a debt from XXXX and that I never paid this and he was going to file criminal charges for check fraud because I took money from the company with no intent of paying it back I had a payment arrangement with XXXX that I made a payment on he called my work number XXXX gave him my cell and he left a message XXXX/XXXX/2015 saying since I do n't want to take care of my responsibilities he was going to file said charges I spoke with him several times and acknowledge my debt he likes to hang up on people I eventually that same day spoke with someone and made a arrangement of XXXX every 2 weeks I asked him if I could do XXXX something every week instead he said yes as long it was the same amount of money with in the same amount of time so after the first payment XXXX/XXXX/2015 of XXXX I called and asked if I could go to the every week payment and I was told no then hung up on I called again and was told yes he was changing it now so on XXXX/XXXX/15 the XXXX was pulled again so I called XXXX/XXXX/2015 to talk to him they do n't know who he is they say I am combative and I only talked to XXXX XXXX which was incorrect and say that I can not dictate them how to do there jobs when I clearly said it would be the same amount of money they can not under stand they are rude and do n't understand that I am owning up to the debt or I would not have made arrangements to pay at all I ask them for documentation and they can not or refuse to show me anything also I am not going to be harassed and threatened over XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Home equity loan with Bank of America since XXXX 2013. It is supposed to be a 25 y conventional with fixed payments and fixed interest rate. This loan has been nothing but a problem. I think Im being taken advantage of mainly because most of the money I pay monthly on a timely fashion gets posted to interest and MISC and on several occasions zero posted to principle. I Received monthly statements with different amounts due each month. I requested an audit to be done on my account several times as well as provide me with an amortization schedule, which I was told several times that " .... this loan does not have an amortization schedule, it is a rare product that BOA only has XXXX of these unusual loans ... I do not understand it myself.. '' the BOA rep said. 
It was never disclosed to me that it was an unusual loan, I feel it is a preditory loan because 90 % of my payments go to interest and misc postings ... and on several occasions, zero to principle. I have always paid on time. After I got hang up on several times by the BOA reps, transferred from dept to dept and to automated systems where I had to wait for hours at a time and got disconnected, I decided to reach out to the CEO of BOA hopefully I can get some clarification. I sent him XXXX emails and I got contacted by the resolution department. They reps in this department do not seem very knowledgeable about this type of loan either. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I ca n't get my credit report on this site. 
I also noticed on a other site on authorized user account I 'm being held responsible for the debt which is not mine 

Company response: Company chooses not to provide a public response
Consumer complaint: this originally was a neck device that was purchased at a therapy office, That was supposed to be covered by the insurance company XXXX, I did not find out until a year later that I owed this, so I offered to return it, the company XXXX would not accept my offer, so right now I 'm still in the appeal process with the State attorney 's office. So this should have not been sent to collections until fully resolved. Now I got this central credit services calling and there very loud and abusive for something that is still in dispute and they keep sending letters. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank has seemingly had a major breach in their security system. I received a fraud alert call about a new card ( that had never been activated ) about a charge made from another country. I received the new card 3 days ago, after receiving a notice from Citibank 2-3 weeks ago that they would send me a new card due to a possible data breach. If the new card, which I had never used and had not activated, was used fraudulently, then there has to a breach either at the Citicard level or a vendor that they use. I am very concerned about this level of a breach. My account was closed but in my mind the integrity of Citicard 's security system is in question. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it! 

Company response: Company chooses not to provide a public response
Consumer complaint: Regional Acceptance has been contacted my cell phone 4-5 times a day via auto dial & wo n't leave messages. Additionally, on XXXX/XXXX/15 they did call me and leave a voicemail at XXXX XXXX PST - which is a clear violation of the FDCPA to contact me prior to XXXX XXXX PST as I reside in California. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian disregards rights of consumers and allows creditors to report bogus debts. I informed Experian that XXXX XXXX XXXX XXXX is reporting debts after refusing to properly validate them. All Experian does is reach out to the offending company and takes their word that the debts are valid when they are not. They do not conduct an impartial investigation, or any investigation for that matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Louisiana and XXXX Reference : Retirement Benefits Claim Number XXXX XXXX XXXX XXXX : Office of Personnel Management Debtor : Small Business Administration. 

The Department of Treasury have sent notice to XXXX XXXX XXXX to collect {$260.00} monthly. However, my pension was delayed for approximately XXXX which made me fall behind in payments. I have contact OPM on several occasions. It appears the Agency will not address this issue or provide adequate reasons why benefit was being delayed. I am requesting an investigation to resolve this matter. 
Tin Number : XXXX Top Trace Num : XXXX Acct Num : XXXX I truly believe retirement-benefit provisions are complicated and may involve a series of miscalculations that are not clear or easy to understand. 

Company response: Company chooses not to provide a public response