AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: this is a formal complaint against Statebridge Company LLC- This Company was our mortgage Company from XXXX XXXX to XXXX XXXX. This Company has been negligent and irresponsible in paying our School Taxes for the entire Tax period from XX/XX/XXXX-XX/XX/XXXX and School Taxes for the second half of XX/XX/XXXX. They have also failed to pay the General Taxes for the second half of the year XX/XX/XXXX.This resulted in a lien against my property for {$14000.00}. The current Loan servicer ( XXXX XXXX XXXX ) which took over our mortgage in XXXX XXXX took our {$14000.00} from our escrow payed off the lien that this negligent company caused and then started out paying our taxes giving us a negative escrow from jump. A claim was filed with consumer finance against XXXX XXXX XXXX under ( COMPLAINT # XXXX ) - so this is a follow -up complaint to get the right party in the mix. We will be providing you with all the documents that was initiated from XXXX. This Statebridge Bank is despicable and have caused us great harm and XXXX. We would like to see Statebridge reimburse the amount of the lien so that we can move on with our lives. I am not about to lose my home because of the negligence of Statebridge Bank. Please cross-reference CFPB CASE # XXXX WHERE THERE IS A COMPLAINT AGAINST XXXX. Please note that this is all interrelated so please be mindful of that .I will be sending all correspondences to your office by mail shortly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had auto insurance through XXXX XXXX and canceled XXXX years ago, and now this credit collections company says I owe them money and are trying to collect. I do not owe this company money and would like them to stop sending me letters and calling!! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My mortgage was transferred to XXXX Mortgage Services on XXXX XXXX, XX/XX/2015. I have made payments every month on time. To this day, XXXX XXXX, XX/XX/2015, they can not account for a {$3300.00} dollars they deposited to my account on XXXX XXXX, XX/XX/2015. Numerous emails and calls were made to locate the whereabouts of such payment. There response is " it has been escalated for review. '' On XXXX XXXXXX/XX/2015, my ARM was calculated and adjusted with the balance that did not reflect the missing funds paid on XXXX XXXXXX/XX/2015. I submitted bank statements and trace number of the missing fund they deposited allegedly into my account, however, they can not account for the payment. On XXXX XXXX, XX/XX/2015 they mailed me a letter, which states " your loan is in default. '' Since XXXX, XXXXXX/XX/2015, I have met my obligation paying my mortgage and provided approximately {$7000.00} in overage payment to be applied to the principal. They constantly say they will return my calls and locate the missing payment, but to this day this have failed to call nor locate the missing payment. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The information reported to Experian for an acct with XXXX contains incorrect or re-aged information. The last payment date should be XX/XX/2008, XXXX days XX/XX/2008, was charged off XX/XX/2009. The charge off date shows as of XXXX and shows a comment of a deferred/interest only payment. I have never made a payment arrangement with this company. I am not disputing the debt, only the dates & the comment and asked they be corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: Focus Receivables has called my number at least XXXX times with a voice automated message that it was " attempt to collect debt. " I called them back and spoke to XXXX XXXX @ XXXX. She said that I owed comcast an early termination fee from back in XXXX on a business line. I explained to her that there was no early termination fee as it was waived because I upgraded an account simultaneously when this was closed. I told her I had the paperwork that I could show them and already spent 4 months with XXXX trying to resolve the issue. 

She was not interested in any explanation and said that I " simply owe the debt '' 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Yesterday I was trying to get my credit reports using www.annualcreditreport.com. I was successful getting my reports from XXXX and XXXX and was able to view those reports multiple times on their websites however, while getting my report from TransUnion online I had forgotten to save it before moving on to get my report from XXXX. I had contacted by telephone the customer service line of TransUnion and was rudely told I could not view my report anymore times for free. He told me that I must pay to see it again now or wait another year to see it It is important that I 'm able to view all XXXX of my reports due to me needing to submit documents to my attorneys for an upcoming bankruptcy filing. Is there anyway that I can retrieve it now like I can from XXXX or XXXX?. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being charged for a payday loan in the amount of {$5000.00} with an interest rate of 115 % from CashCall formerly XXXX XXXX and XXXX XXXX ( both no longer in business ). I have been paying the loan for almost 3 years in the amount of $ XXXX/month, and the balance is only {$5000.00}. As it stands the loan will not be paid in full until XXXX/XXXX/2019. I have tried to settle with CashCall but they will not budge. I find it hard to believe that this high interest rate is even legal in Illinois. Not to mention the fact that they have sold my loan XXXX and now neither company is no longer in business. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote Experian because after talking with a mortgage person he said there were problems with my credit report so he had me go to a web site and get my reports. He told me where to find a simple form letter on line and to write the credit bureaus with my questions. Experian sent me a letter saying my letter was suspicions and they refuse to help me. 
I believe since I am a XXXX they are discriminating against me. I am educated and know my rights. I have read what they are. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, I took out XXXX loans with XXXX XXXX, a private student lender. During the financial crisis, the company went bankrupt and the loan was sold off XXXX times and ended up being owned by Wells Fargo. Time passed and I graduated in XXXX XXXX. I was n't made aware of the multiple sales of my loans until Wells Fargo XXXX collections department called in XX/XX/XXXX XXXX. They harassed me and my parents with endless phone calls, threatening to take my parents ' home and sue me if I did n't make full arrears payments. I did what I could to make it work ; I got a new job and moved to a new city to earn a little more money ( my monthly payments on all my loans was around $ XXXX/mo and I only earned {$29000.00} a year. I made monthly payments but fell behind XXXX month. Within days, they charged off the loans and demanded payment in full. While they were threatening more legal action, I contacted attorneys, bankers, my legislators and the CFPB, and because my legislators and the CFPB contacted them directly, WF XXXX finally started to work with me on a repayment plan. 
Since that time, I have made consistent, on-time, in-full payments each month and have been attempting to rebuild my credit. I took a thorough look at my credit report recently and noticed Wells Fargo has been incorrectly reporting my repayment status ever since our repayment agreement was reached. It shows I 've been 90 days late at least XXXX times on each loan, and it 's simply not true. I 've paid on time each month, and have actually increased the payment amount I send them above our agreed-to amount. My credit report also shows that I have a past due balance on each loan, which is also inaccurate. Upon my initial contact with WF XXXX, the number of late payments showing on my XXXX credit report dropped from XXXX for each loan to XXXX for each loan, so obviously, someone at WF XXXX thought what they were doing was wrong, but those XXXX payments should still not be on my credit report. 
These specific items have prevented me from being able to get a small car loan from my credit union to replace my aging vehicle. Where I live, a person must have a reliable car to function - we do n't have good transit service. When I applied for the auto loan, I was told the loan was denied specifically because of these items on my credit report. 
I have attempted to remedy the situation by contacting Wells Fargo XXXX directly, but they claim they have the right to report my accounts in this way. I 'm not disputing the charged-off status of the loans ( though I do still think how they handled this was wrong in every way imaginable and the loan should still be in a normal status ). I am disputing the intentionally inaccurate reporting of my accounts as having been 90 days late XXXX times on each loan and having a past due balance on each loan. I would really like the CFPB 's assistance with the matter, because it seems it 's the only way anything will change. 

Company response: Company chooses not to provide a public response
Consumer complaint: I open an account with XXXX XXXX on XXXX/XXXX/11. I filed a Chapter XXXX case XXXX. XXXX XXXX file a claim. XXXX XXXX are receiving payments on the claim. XXXX XXXX refuse to update the correct balance on my credit report. XXXX XXXX also sent me a XXXX to pay taxes on this debt which is included into a Chapter XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a PayPal debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called PayPal to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the PayPal representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( XXXX XXXX XXXX, XXXX. ) with respect to amounts owed to PayPal relating to the fraudulently opened account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have been regularly paying off the medical bill to XXXX XXXX OF XXXX with an approximate current value of {$2500.00}. We pay $ XXXX monthly but always when we receive a bill. The original amount was approximately {$7000.00} which we have made a significant dent in since inception. We are now getting a collection bill from CALIFORNIA BUSINESS BUREAU , Inc. without even being forewarned that the outstanding bill would be going to collection. They called me at work and were rude and misrepresentative. We negotiated this arrangement with XXXX XXXX XXXX in XXXX when we XXXX got the bill after our son 's treatment, and they were aware of our circumstances and agreed at that time, last year to honor this arrangement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company has repeatedly sent me bogus letters about a Debt that is Time-Barred. In their wording they are trying to re-age the debt. It is over 15 years old. 

They are zombie collectors. 

This alleged debt has not only exceeded the statute of limitation but is also no longer valid nor can it be validated by the original company or by the zombie collectors. 

They are using unethical and illegal practices to try and collect a debt that can no longer be validated due to it being over 15 years old. I have contacted the company " XXXX XXXX '' the original debtor and they can no longer find it to validate it even with the extremely aged account number First National is referencing on the letter they sent me. 

New Jersey 's Statute of Limitations for Credit Card Debt is : 6 years State Statute 2A:14-1. 

This company is violating the Fair Debt Collection Practices Act ( FDCPA ) by trying to reage accounts for their financial gain. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Select portfolio servicing bought our mortgage about 7 years ago and I recently started noticing that there were extra charges on there besides late charges. They keep telling me that they are charges they do n't have to explain to me so I requested my loan information from the time we bought the house. I have asked twice now and they will only send me the last 7 years stating they do n't have to show me any paperwork from when they bought the loan or copies of any charges that have accrued ... .In XXXX I paid them XXXX house payments at which time they said I was still XXXX behind so in XXXX sent another XXXX plus extra for late charges. What I do n't get is in 15 years of having this mortgage they claim my payoff is still the original amount of the loan I just do n't think that could be right. Please help as we are still at almost an 11 % interest rate too! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. 
I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America has been misapplying my mortgage payments since XX/XX/XXXX. Today I got a letter stating that my XX/XX/XXXX payment was unapplied, which is just another example of their lack of accounting skills. My account is a XXXX year fixed {$680.00}, homeowners until XX/XX/XXXX is {$120.00}, Taxes are {$1600.00}. Total monthly due is {$940.00}. I pay {$960.00} to avoid escrow shortage. Bank of America 's accounting is a scam to charge unwarranted fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX, my wife and I purchased our XXXX home. During that process, we solicited quotes for homeowners insurance from many companies, including XXXX XXXX. In the end, XXXX XXXX was not selected and we never signed any documents with them. Fast forward to XXXX of XXXX and I receive a notice of a debt owed to XXXX XXXX. I sent the debt collector a letter dated XXXX XXXX, XXXX stating the above. Despite giving them my phone number an email address in this letter, I never heard back from them and I though we were finished. Yesterday, XXXX XXXX, XXXX, I received a notice of the same debt! After being notified in XXXX of XXXX that there was no debt and in fact no contract with the company, the collected has once again contacted me to pay, in violation of the Fair Debt Collection Practices Act. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I 'm pretty feed up with payment processors sending out mailings that resort to scaring people into reading their mailer and possibly tricking a consumer into calling them. 

The mailer i received today has " Mortgage Payment Information Enclosed '' most prominently displayed on the front of the letter in bold, red letters. It also has the return address of " Loan Payment Administration '' and through the window has " Regarding your : '' and my current mortgage called out by lender name. 

The body of the letter also states the direction to " Contact us by XXXX XXXX, 2015 '' and that " if you decline the biweekly program, you will be asked to confirm that you understand that you are voluntarily giving up the interest savings and loan term reduction. " We know what they 're doing and while it may be technically legal because they 've found the right loopholes, it 's still predatory. They must be tricking some people into calling, otherwise why would they do it. It should not be allowed. It 's just flat out dishonesty and that sort of dishonest should not be tolerated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made a deposit to Bank of America on XXXX/XXXX/15 for {$1400.00} and received a receipt that a deposit was accepted and would credited by the end of business, which it was. In the interim on XXXX/XXXX/15 they retracted the deposit and placed a hold on it until XXXX/XXXX/15. I did not receive any notifications, but in talking with the bank representative they claimed it was emailed to me on XXXX/XXXX/15??? How can you charge me a {$35.00} fee on XXXX/XXXX/15 without providing notice. To add insult to injury I was charged another {$35.00} fee on XXXX/XXXX/15 for a difference of 34 cents??? This is down right deceptive and should be illegal. 

Company response: Company chooses not to provide a public response
Consumer complaint: We applied online to Bank of America for a new mortgage loan on a used townhome in XXXX XXXX, Florida, on XX/XX/XXXX. Mortgage loan officer, XXXX XXXX, contacted us and began the data collection process. During the next three weeks, numerous documents XXXX financial statements, insurance, sources of income, tax returns, etc. ) were supplied to BOA on a very timely schedule. Our credit card was charged {$440.00} on XXXX XXXX for an appraisal and credit report. All the while, XXXX confirmed that the requested XXXX XXXX closing date should be on schedule. After the appraisal was conducted on XXXX XXXX, XXXX XXXX, Home Services Specialist, called to say our loan package was very clean, that he rarely saw insurance issues already covered at this stage of the application like ours were, and that not only was the XXXX XXXX closing date feasible, but that we should be able to close earlier if desired. On XXXX XXXX, we were contacted by XXXX XXXX, Home Services Specialist, to provide additional documentation. The pace of activities and responses from BOA definitely slowed down under XXXX. On XXXX XXXX she advised the leasehold on the property would be reviewed by BOA on XXXX XXXX. On XXXX XXXX, XXXX days before our scheduled closing, XXXX XXXX advised us that the leasehold approval, and thus the entire loan package, had been denied. BOA knew at the very beginning that the property was a leasehold, as are all properties on XXXX XXXX, having been given to XXXX County by the federal government in XX/XX/XXXX It is inexcusable for BOA to have taken XXXX days to report back to us that the leasehold did not meet their requirements. XXXX asked if a refund of our appraisal fee would " help '' ease our dissatisfaction. On XXXX XXXX and again on XXXX XXXX, I contacted XXXX of XXXX supervisors, XXXX XXXX and XXXX XXXX, to reconsider our application based on our excellent credit, finances, and having been a BOA customer for many years. XXXX concurred that they had " mishandled '' our application by having waited so long to review the leasehold, apologized, but still replied " no exceptions '' to their loan denial. On XXXX XXXX, XXXX called to report that the appraisal refund had been denied. I suspect they did n't want further documented evidence of their wrongdoings. Not only are we out of pocket {$440.00} and almost XXXX weeks of lost time, we have to find a new lender, incur a higher loan rate over the life of the loan and higher closing costs, disrupt our scheduled move, utility connections, insurance arrangements, and hope that the property seller is still willing to hold the sale for us. Our financial losses alone will be several thousands of dollars. BOA should not be allowed to get away with such blatant practices at the cost of the consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this dispute against XXXX for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. I have copied and pasted that statute below. TransUnion has failed to provided me with documentation used to verify the items I disputed in my credit report after I requested that information. 

15 U.S.C.A. 1681i ( a ) ( 7 ) says : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

15 U.S.C.A. 1681i ( a ) ( 6 ) ( B ) as quoted above says : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableBackground Information on my recent dispute with TransUnion : I did dispute items in my credit file with TransUnion and they did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to them requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

TransUnion subsequently sent me a response and a credit file dated XXXX XXXX 2015, # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the 15 day maximum requirement, that that letter did NOT provide me with ANY of the information used to verify the items in my credit file that I disputed as I requested. 

Instead, in that letter, TransUnion stated " Our investigation of the dispute you recently submitted is now complete. '' It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my TransUnion credit report and request documentation used to verify the items disputed. In good faith, I expected TransUnion to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. That was the last communication that I have received from TransUnion and they have failed to comply with XXXX U.S.C.A. 1681i ( a ) ( 7 ) to this day.. This is completely not fair to me and I am sure the CFPB also expects TransUnion to comply with ALL applicable laws in dealing with my dispute and others. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence. 

Company response: Company chooses not to provide a public response