AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I 've been through a bankruptcy. My were debt were discharged in XXXX. Among them is this mortgage. I want Green Tree to do a Deed in Liu. I have made XXXX attempts. They have requested numerous documents which I have provided. The first time they told me they were closing my request for a deed in liu and that I had to evict the tenant presently in the house. So I started the process again. Sent all the ducuments again and asked my lawyer to help me evict the tenant. This process has begun. We gave the tenant 30 days notice as is required. The tenant was served this notice. Next month it will go to court if the tenant does n't vacate. Today I was informed by Green Tree that they were again closing my request for a deed in liu since the tenant is not yet out. 

Well since I 've been through a bankruptcy in XXXX and I 've begun my fresh start, I 'm not willing to compromise my private documents yet again for a XXXX time. I do n't see why Green Tree ca n't keep my request active until my attorney is able to get the tenant removed. I 'm not willing to go through the document sharing process again. 

In addition, the forclosure process in NY takes two years. I 'm trying to speed up the process with a deed in liu. The bank is n't willing to work with me. 

What do I want? Just keep my deed in liu request active until the the tenant is out and the deed in liu can occur. Asking for these docuements after a bankruptcy seems unreasonable to begin with. Asking for them XXXX times does n't seem to me appropriate at all. I just want to the bank to take the house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A truck was rented and stolen from XXXX by an individual that used my credit card and impersonated me over the phone. There is an active arrest warrant for this person. XXXX advised me to call my credit card company, XXXX Bank, and dispute this transaction. XXXX XXXX investigated and credited the resulting charges back to me. I was verbally informed by XXXX loss mitigation that I had no outstanding balance. This was in XXXX of 2014. This year I have been contacted by a collection agency and was advised that XXXX is trying to collect the fraudulent charges from me. I called XXXX and they were no help and told me that the charges were my responsibility even though they were fraudulent. The total amount they are trying to collect is {$1200.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had XXXX modification with no help. Never received any considetationin lowing my payments. I following all guildlines required under the HAMP. Also, I went through the three months programs in a timely manner. My issued beingthey never decreased my interest rate to help me with my payment. The 31 % guildline make it imposible to obtain. No flexiable consideration offer above of be-low this percentage consider. Never given the consideration due to the basicincrease in Taxes, Hm Ins. Food and transportion. I feel they are discrimationinvolve and dont want us to modify due to my race. We only want to make a reasonable payment. On limited income soc sec. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan over a year ago that I could not pay. They have called and sent me emails threatening to have me arrested at work and to prosecute me for check fraud, among other things. They have shared my information with third parties as well. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I filed bankruptcy XX/XX/XXXX with discharge. XXXX XXXXAlly bank wrote in CFPB complaint XXXXXXXXWhat appears to be a violation of the bankruptcy stayCar was reaffirmed VIN XXXXIt appears Ally bank took car without permission during bankruptcy stayThis is my first knowledge of any action XXXX XXXXTo my knowledge all action stopsAppears I was taken advantage of with a clear disregard to the bankruptcy stayNo proof of claim or relief was applied for by GMAC/Ally BankGMAC/Ally did not appear at creditors meetingGMAC/Ally provided 100 % percent interest to me 

Company response: Company chooses not to provide a public response
Consumer complaint: I have incorrect information on my credit report indicating that I missed payments on a home loan XX/XX/XXXX. I sent in a document from the loan company supporting my claim but the only change was they added a XX/XX/XXXX report as well. I received nothing from Experian. The incorrect information is still part of my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo sent 4 loan modification packages. I signed the first one on XXXX XXXX, 2015. 
It stated there was a HUD partial claim. There were 3 other packages sent XXXX XXXX, XXXX XXXX, XXXX XXXX. No partial claim was available. I am a XXXX veteran. The equity in the home went down from XXXX to XXXX. The last payment of principal and interest was XXXX. The loan modification put interest and escrow on top which is XXXX. The home is structurally unsafe and was ransacked/vandalized. The home is not livable. I put a claim in to the insurance company because there was prior damage. And they stated it was below {$1000.00} deductible. XXXX XXXX the loan preservation specialist at Wells Fargo did not determine it was fair market value. I calculated the NPVand it went down to XXXX with 480 month term of XXXX. I keep getting the run around from Wells Fargo. This is a VA guaranteed home loan. I contacted the VA Virginia XXXX Loan center and they said fair market value. They said I would decline the loan modification and send 'Deed in lieu of foreclosure '' to Wells Fargo and Wells Fargo would send it to the VA loan center to sell the house. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are seniors who purchased our property in XX/XX/XXXX ; we were given XXXX loans to make up the 100 % loan mortgage. We began to make the mortgage payments as responsible citizens and homeowners. Then in XX/XX/XXXX we became the victims of a scammer who convinced us that we can receive a lower mortgage payment through a modification with their assistance and advised us that we needed to stop making payments in order to qualify. Trusting the source that is just what we did and unfortunately this turned out to be a huge mistake. Because of this action going back and forth we were in this situation for over four years until we finally received a modification. Although, the modification we received from Bank of America was not affordable we accepted the offer under desperation to get out of the current foreclosure status. 

In the meantime XXXX XXXX health was deteriorating more and more to the point that XXXX XXXX his wife had to stop working in order to take care of XXXX XXXX. After XXXX XXXX illness ( XXXX ) XXXX XXXX was not able to work and had to solely depend on their combine Social Security, pension and rental income. Therefore, due to their financial circumstance 's being on a fixed income, it has been very difficult to keep up with the first mortgage and even more difficult to come up with the second mortgage payments. Explain XXXX XXXX XXXX current health status. He is currently receiving Social Security Benefits income as {$1300.00} per month. XXXX XXXX was recently placed in a home care facility under the care of his doctor due to his XXXX. The clinic is now withdrawing over {$500.00} a month for his stay and care at the facility, leaving the spouse with less income to put tours the household. Therefore, we have continue to make our mortgage payments of {$2800.00} but ca n't no longer continue to pay the second mortgage payment of {$860.00} which was recently increased to {$940.00}. The property has no equity, and we request Bank of America for a loan forgiveness on the second loan and we were denied. They are not willing to work with us even though there is no equity on the property and the second loan will never foreclose as the first loan will never allow this to happen. The only thing the second loan can eventually do at this time will be to place a lien on the property that they will never collect as again there is no equity. Even when XXXX XXXX pass which is what unfortunately, the spouse was told recently and if she decides to sell it will have to be a short sale so the lien will never be collected. It will be more cost effective to Bank of America to continue to collect the first mortgage as they are so far and forgive the second, even forgiving the second mortgage there is no equity. Bank of America is not willing to assist the borrower, the only thing they are willing to do is to review the loan for another possible modification, which they wont even qualify due to the expenses for the care of XXXX XXXX it would make more sense to offer a full forgiveness of the second loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: The issue is with TransUnion. On XXXX/XXXX/2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana, XXXX did make an inquiry on my credit without my permission. I had only inquired with the dealership about a vehicle they was advertising on the internet, of which they no longer had in stock. I did not give them permission to make a credit inquiry on my behalf with the credit bureau TransUnion, XXXX, or XXXX. I have filed a dispute with XXXX. TransUnion refuses to help me at all. Plus TransUnion does not provide a 'English ' speaking person for me to be able to communicate with. Please help resolve this bogus credit reporting issue with TransUnion. 

Company response: Company chooses not to provide a public response
Consumer complaint: I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. 

I have no reason to take this seriously. Please remove me from your call-lists. 

I do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I wrote a check for {$9.00} to have my fingerprints taken in XX/XX/XXXX/XX/XX/XXXX. Before the company ( XXXX XXXX XXXX ) presented the check for cashing ( nearly XXXX months later ), I closed the bank account and switched banks. I did not close the account to avoid paying the check. However, when I closed the account, I did not realize the check had not cleared. I received a phone call in XX/XX/XXXX from XXXX at XXXX XXXX saying that I owed {$39.00} for a returned check ( {$9.00} for the check, {$30.00} NSF fee ). I told her I had no problem paying, but would not do so until I received something in writing verifying she was who she said she was. I advised her that the address on the check, although belonged to my parents, was not my address anymore and gave her my correct address. I did not receive anything in the mail until XX/XX/XXXX when I received a letter from Check Alert dated XX/XX/XXXX saying I had XXXX days to pay or the account would be turned over to a law firm. The letter was addressed to an address that does not exist and therefore not my address ( and certainly not the address on the check ). On XXXX XXXX, I received a letter from The XXXX saying I now owed a balance of {$370.00}. This letter was also addressed to the address that does not exist. I called the firm the following day, XXXX XXXX, and spoke with XXXX and explained what happened and she said they would work with me and she would have her supervisor contact me in a few hours when she got in the office. About XXXX hours later, since I had not heard anything, I called back and got in touch with XXXX, the supervisor. XXXX was incredibly rude. I explained what happened and told her that I was willing to pay what I believed I owed ( {$39.00} ). She told me they are not willing to work with me, other than establishing a payment plan to pay off the {$370.00}. Neither XXXX nor XXXX are attorneys and I was told I am not allowed to speak with XXXX XXXX, who is presumably the attorney of XXXX. I believe both companies intentionally sent the notices to the wrong address in an attempt to collect more money. This is evidenced by the fact that when I had my fingerprints taken, I completed a form that contained my address, the check I wrote contained my address, and they scanned a copy of my driver 's license. Additionally, as mentioned above, I informed XXXX that the address on the check was incorrect and I gave her the correct address. Further, XXXX is violating the laws of the state of Texas as it does not hold a surety bond as required by Tex. Fin. Code 392.101. The firm is considered a debt collector under XXXX ( 7 ) because they have nonattorney employees who regularly engage to solict debt for collections and regularly make contact with debtors for the purpose of collection of such debts and represents itself as a debt collector. I have even offered to pay a small amount over the original {$39.00} because of the inconvenience. The firm is still not willing to work with me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i have already file a complaint with cfpb but Bank of America the person handling the complaint her name is XXXX please stop giving me the run around when i spoke to you the other day you only answer to one question of why my payments went up {$800.00}? the problem happen 2years before that when Countrywide Mortgage without telling my family or sending a letter that this was going to happen. when the question was asked they gave me the run around.never gotten the truth.So answer this question XXXX XXXX if Countrywide Mortgage had me paying wrongful fees paying for repayment plan of added fees knowing that they were being indicted for Mortgage Fraud and making me pay for a program that knowing wasnt going to help my family why did they this? tell me that XXXX XXXX and if Bank of America brought Countrywide they brought all of there wrong doing it seem that all the rich investers got paided but my family the poor didnt get compensated check out the cashiers we sent to Countrywide that we were paying to them am tired of this am total disable now an yes Countrywide am so XXXX and XXXX due to this talk to as if i was part of your family you have know ideal what ive been through XXXX XXXX.All i want is all the wrongful fees late charge the judgment repossession. This was wrong.AND XXXX XXXX there is one more thing on XXXX/XXXX/2009 Bank of America after Countrywide did all there wrongful doings i called Bank of America and this was there offer please investigate this is the LOCK-IN AGREEMENT that you offer my family. This is the Loan # XXXX that Bank of America gave us. OK we thought this would help but no XXXX/XXXX/2009 Bank of Amertica after me calling them they sent my family a letter saying they were unable to approve my request this knock me too the floor. am tired of writing Please talk to your C.E.O.XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Sears should have protected me against the fraudulent use of my credit card and failed to do so. 
A company charged my credit card without sufficient authorization. 
The company said1. I would not be charged even if my insurance company paid nothing. 
2. Then they said that my insurance company paid for it. 
Neither of these XXXX things were true. I found this out because the company charged me anyway. 
I disputed the charge and Sears Master Card denied my claim. In denying my claim they failed in their obligation to protect me from invalid charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: I AM A XXXX WITH SERVICE CONNECTED XXXX, MY WIFE WAS MY CARETAKER UNTIL HER DEATH IN XX/XX/XXXX, XXXX REQUIRED ME TO HAVE A NEW PAYEE FOR MY XXXX CHECKING ACCOUNT AND POWER OF ATTORNEY FOR MY NONE XXXX BANKING ACCOUNTS. AT BANK OF AMERICA, THEY TOLD ME ANDTHE NEW CARETAKER TO ( XXXX ) BRING THE DOCUMENTS FROM THE LOCAL XXXX OFFICE AND POWER OF ATTORNEY TO THEM AND THEY WOULD SETUP THE ACCOUNTS .WE DID AS REQUESTED AND NEW ACCOUNTS WERE SETUP.NOW IT XX/XX/XXXX AND MY CARETAKER HAS IRS PAYMENT PROBLEMS AND MY ACCOUNT WAS OVER-DRAFTED BY {$25000.00} AS PAYMENT ON HER BILLS.NOW THE BANKS IS CHARGING ME LEGAL AND OVERDRAFT FEES, SAYING IS WAS IRS FAULT THE ERROR WAS MADE, IRS SAYS IT IS THE BANK FAULT FOR NOT SETTING UP THE ACCOUNT AS A POWER OF ATTORNEY, WITH OUT ( P.OA. ) ON THE ACCOUNT, NO MONEY WAS TAKEN FROM THE XXXX ACCOUNT BECAUSE IT WAS NOTED AS PAYEE. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone XXXX times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( Director @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. XXXX, XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXX Fax No. : XXXX 

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 my concern : My name is XXXX XXXX XXXX, I have Loan with Select Portfolio Servicing, Loan # XXXX and I have a complain the way SPS is handling my situation and the way how they have been treating me. 2 years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked Select Portfolio Servicing for help asking for a Loan Modification program or any other relief available. It is very hard to deal with Select Portfolio because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by Fax many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from Select Portfolio, I am frustrated and stress and I feel Select Portfolio is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to Select Portfolio to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am XXXX Citizen and I 'm wondering if Select Portfolio does n't want to help me because I am XXXX XXXX I feel discriminated by Select Portfolio Servicing. 

XXXX published on XXXX/XXXX/2015 " Select Portfolio Servicing former employees : We were told to lie '' the article is based on employees of Select Portfolio routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This charge is for " Roaming Charges '' while on a cruise. I did not make or receive any calls, did not text or receive any texts ( except from XXXX ), and/or did not connect to any website while out of the country ; therefore I received no benefit. I initially disputed this charge w/XXXX, by my phone call, in XX/XX/XXXX and asked for details of the charges, which I never received. I disputed the charges again XXXX XXXX ( collection agency ), who sent a demand letter, in a letter dated XX/XX/XXXX and again requested a statement detailing any numbers that were called or received, and the web sites that were visited during the period while I was out of the country, and once again received nothing. My account was then passed on to the XXXX XXXX XXXX ( another collection agency ) and I received a demand letter from them. I wrote to XXXX XXXX XXXX on XX/XX/XXXX and informed them that the charge was not valid and that I had already disputed the charge with XXXX and another agency. I explained that I received no benefit for the charges, and despite XXXX requests, I had not received anything validating the charges. I informed them that I would not respond to any more inquiries. On XXXX XXXX they signed for my certified letter and my account was reported to XXXX as a collection on XXXX XXXX. My XXXX Credit Score has just dropped from XXXX to XXXX due to this. I 've not checked, but I 'm sure that my XXXX and XXXX XXXX scores have dropped as well. I have a collection on my credit report for a medical bill which I disputed. The scenario with that bill was exactly the same. When I would dispute it with a collection agency they would drop it and then it would be sent to another agency. I finally gave up sending letters and explaining the situation over and over again. This practice has got to be in violation of the FCRA and I do not intend to have another collection on my record that is not valid. Enhanced Recovery should be shut down based on accounts that I 've read when I researched the phone number that they called from. 
Since then I received another collection letter from Enhanced Recovery Company , LLC. I have verified that they called me on XXXX and today ( XXXX ), left it ring XXXX, hung up before I could answer and left no message. The number that they called from is ( XXXX ) XXXX. I have no interest in contacting them as I have already made it clear to XXXX other collection agencies that I do not owe XXXX {$620.00} and that I requested a detailed statement which I have not received. They do not have a detailed statement as explained above. I sent a letter to XXXX requesting that they remove the collection. They did not remove it but they did indicate on the report that the account is in dispute. 

Company response: Company believes the complaint is the result of a misunderstanding