AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been told by multiple representatives of Drivetime that I would be granted a modification to my account and I had to fax in the receipts and documents of my out of pocket expenses. After I faxed in the documents I still had not received any notification that the documents were received or any updates on my modification request. Through a XXXX complaint a Drivetime representative named XXXX told me that in order for a modification to be granted that XXXX things must be involved a ) There must be an out of pocket expense b ) You must be out of hardship and c ) the account must be sixty days past due. When I spoke to Customer Service I was told an exception could be made for my account and that the account does not have to be 60 days past due. I faxed in the receipts of my out of pocket expenses and proof that I am out of my hardship and they still have not granted the modification but continue to call and contact me only for collection purposes only, and has yet to give me an update on my modification request, even after numerous conversations of how and when this modification will be applied to my account. Drivetime has demonstrated unethical business practices and I do not know why the representatives continue to give me misleading information and information that is not truthful. I have been repeatedly told incorrect information and I would just like to know the information involving my loan and what is going on with my account. I would like someone to encourage the representatives of Drivetime to explain the truth about my account and to please stop telling me that a modification will be granted when Drivetime has absolutely no intention of ever granting me a modification, demonstrated when I called yesterday and I spoke to a manager named XXXX that told me that the faxed documents had not been uploaded to my account an that the receipts of my out of pocket expenses had to be for major repairs like to replace an engine! I have never been told my out of pocket expenses had to be a major repair like replacing an engine because my vehicle is supposed to be covered for major repairs, I was told by a supervisor something completely different, I was told I just had to have out of pocket expenses for repairs that were mechanical in nature, and I have a response directly from Drivetime submitted to the Better Business Bureau that describes exactly that same information. Also, when I called and tried to set up a payment arrangement XX/XX/XXXX, Drivetime would not make an arrangement for payment, but instead Drivetime sent me an acceleration notice in the mail two weeks later stating that the entire amount of my loan was going to be accelerated, although my account was not yet 30 days past due, and Drivetime refused to make a payment arrangement before the payment due date, because I knew before the due date I was going to have to make other arrangements with Drivetime, which Drivetime refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I made application via my mortgage broker for a Real Estate Secured Loan with US Bank Home Mortgage. 
1. US Bank issued a Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
The required information was provided by myself and my broker within the specified time limit. 
2. US Bank required more information / documentation XX/XX/XXXX. 
The extra required information was provided by myself and my broker within the specified time limit. 
3. US Bank issued another Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
Some of the items on their list had already been supplied, however everything on the list was submitted or resubmitted by myself or my broker within time limits. 
4. US Bank issued a definitive Loan Estimate XX/XX/XXXX - 15 year@3.875 ( rate locked ). They required NO further information at that time. 
5. 0n XX/XX/XXXX, my mortgage broker notified me that US Bank was backing off on its contracted offer. 
a. He believes that the bank determined it to be high cost due to their own guaranteed rate lock. 
b. Furthermore, he received a list of several more unusual documents and forms that the bank was now demanding. 
c. He asked to file for an extension on the rate lock, but the bank refused. 
6. At this point there are some inappropriate legal issues that US Bank seems to be ignoring in the interest of profits. 

Company response: Company chooses not to provide a public response
Consumer complaint: Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Account # / Reference # XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I had an outstanding balance for a medical bill in the amount of {$240.00} that went to collections in XXXX, XXXX. Van Ru Credit Corporation had obtained the debt and seeked payment. I began paying off the bill gradually with a final payment of {$70.00} made on XXXX XXXX, XXXX. Once I made the payment, I received no more letters and phone calls. On XXXX XXXX, XXXX at XXXX ET, I received a call from Van Ru Credit Corporation requesting a payment for the amount of {$70.00}. I repeatedly told the representative that the balance had been paid in full with a Confirmation Numbrer verifying the payment made. The representative had then begun to harass me, completely ignoring that I had mentioned numerous times that I had made the payment. She then completely gave up and transferred me to a Supervisor who then seeked payment for the balance owed. I told the Supervisor 5 Times that I had made the payment and have a confirmation number. The supervisor kept over-talking me every time I said I made the payment. I then told the Supervisor either you accept the Confirmation Number or this call will end. I then gave the Supervisor the Confirmation Number and the call ended. On Friday XXXX XXXX, XXXX between XXXX and XXXX, Van Ru Credit Corporation called me repeatedly 4 Times. I then called them only to talk to another representative. I told her I made a Payment to bring the account Paid in Full with a Confirmation Number. The representative kept saying I still owe the money as she could n't find a confirmation number in my record and that I must pay it or the calls will not end. I asked the representative by request a Letter validating the remaining balance owed of {$70.00} and she kept ignoring my request and persisted in requesting a payment to be made. I then told the representative that By Law, I am allowed to request a letter in writing verifying and validating the debt owed to Van Ru Credit Corporation. The representative decided to say that a letter will be sent. I asked how long it will take to receive the letter? The representative said " When I get around to it, you will get it. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I applied and was approved for a Citi Forward credit card ( ending in XXXX ) using an online application form. Terms and Conditions that was presented to me at the time of application ( a screenshot is attached ), clearly and explicitly explained that I will earn XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores. However after receiving my first statements I realized, in violation of Terms and Conditions that was presented to me in the online application form, I was not receiving XXXX ThankYou points per dollar for purchases at above mentioned categories. Instead, it seemed that I was receiving only XXXX ThankYou points for those purchases. I called Citi a few times and explained the whole issue, but the only thing they did was explaining to me that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and they did not seem to be bothered by the fact that this was in violation of the Terms and Conditions that was presented to me. I then proceeded to send a letter to Citi XXXX I think to CitiBank Executive Review Department in XXXX XXXX ) and explained the issue, but received a similar response that mentioned that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and ignored that Citi was violating Terms and Conditions of the account. Overall Citi did nothing to resolve this issue. 
It is a few years past this incidence, but the bad feeling about it keeps being with me. At the time I was initially dealing with this issue, I was not aware of existence of CFPB, so I did not file a complaint. Now that I am aware of this possibility and have already exhausted other possibilities, I would like to take this route to ask Citi to follow Terms and Conditions that was presented to me so that my Citi Forward credit card account earns XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have owned a property in Hawaii for quite sometime and have always had full hazard insurance on it. Last year I got a letter from XXXX XXXX XXXX saying I needed to add Hurricane insurance on the property. I do mortgage loans and know that most banks do n't require hurricane insurance. I was forced to buy it from a company called XXXX said they would put expensive insurance on it. XXXX then sold the loan to greentree and then it went to ditech. I called ditech to get out of the added insurance but they said it was wind and hail insurance. There 's no Hail in XXXX. A woman named XXXX in their insurance department said it was ditech 's policy. 
I do n't think the bank that purchased my loan should be able change the contract and add an additional insurance cost as a requirement. Some banks for years have been trying to say that it 's a state requirement to have hurricane insurance in XXXX. It 's not - it 's a racquet. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have submitted multiple disputes for a Tax Lien on a boat that I sold in 2012. Apparently the buyer shipped the boat out of the country and DMV never received my Release Of Liabality. I have since filed another Release but every year since received a tax lien and a couple of which i paid because I did n't know what to do. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've always had medical insurance and XXXX bills are showing up on my credit score. When I called to pay off a settlement agreement from XXXX $ to XXXX XXXX I called to pay it because it was due by the XXXX of XXXX 2015. I was having issues with my health insurance and being billed for things after my original copay. When I talked to the representative for conemaugh he told me that the insurance must have been set straight because I had a XXXX balance. Well I called XXXX in XXXX they said it was put into collections. So the office that billed me said it was paid and not put into collections but collection 's says they have it. I was trying to pay the XXXX $ and just found I 'll this out. Plus several other medical bills in collections. Some I probably owe but others like the previous XXXX I had insurance with. I would appreciate help in this matter since it is affecting my credit score. I can communicate by email some or text or by phone would be best. My email address is XXXXXXXXXXXX or XXXXXXXXXXXX. my name is XXXX XXXX and my phone number is XXXX. Can you please contact me? 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I learned about this collection agency debt thru my credit report. I received absolutely no prior mail with notice to try to resolve any matter. I looked up the phone number and called them. The person I spoke to was extremely rude from the beginning! He was yelling over the phone and interrupting me before I finish speaking, then HE hung up on me! Very unprofessional and did n't even get anywhere because as I said, he hung up the phone. Did n't even give me his name. I sent them a letter to try and settle the account even tho I truly believed this account was already paid. ( It had previously been in my credit report along with others, I made payments to a collection agency and they removed them all including this same charge. So I thought it was paid ) I still have n't received a response. This is affecting my credit score very negatively. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Fortiva issued a credit card in my name to someone else and the account is delinquent. I contacted Furtive and to date they have taken no action, indicating over a week ago that they would send me an affidavit by mail to complete. My reports to XXXX show no activity to resolve false addresses and phone numbers used in addition to the false credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a loan with Regional Acceptance for an auto. On XXXX I filed for bankruptcy. This account has been reported delinquent since XXXX. I have contacted the bank by phone and they directed me to put it in writing. I put my concerns in writing and heard nothing. I then did a follow up phone call and was told to put in writing again. Which I again have done. My account is being reported as a charge off when it was n't a charge off at all it was a bankruptcy. It is also being reported as follows : XXXX reports account opened XXXX/XXXX/XXXX. balance XXXX. Last updated XXXX/XXXX/XXXX. Last payment made XXXX/XXXX/XXXX and account closed XXXX/XXXX/XXXX. How can I make a payment in XXXX and the account close in XXXX? Also no report of late payment from XXXX to present. Regional acceptance reports to XXXX the following. Date opened XXXX/XXXX/XXXX. Last reported XXXX/XXXX/XXXX. Included in bankruptcy. First major delinquency report XXXX. Months reviewed XXXX. First delinquency XXXX. XXXX reports the following from Regional Acceptance. Date opened XXXX. Reported since XXXX. Date of status XXXX. 60 months XXXX payment. balance as of XXXX is XXXX. Shows payment history with 30 day late being XXXX. Regional acceptance is reporting whatever it wants to report and not verifying the information. I have disputed with credit bureaus who do not do thorough investigation and only update information provided by regional acceptance. I have also phoned and written Regional Acceptance and nothing is being resolved. They are also reporting as a charge off. So basically the account is over 7 years delinquent, included in bankruptcy and a charge off. 

Company response: Company chooses not to provide a public response
Consumer complaint: These XXXX party debt collectors/interlopers and Altisource are attempting to steal my property even though this " debt '' was lawfully discharged in a Chapter XXXX in XXXX. I listed the debt as unsecured/disputed which was never challenged by these XXXX party debt collectors. The new " bank '' that is now saying that they have standing to do this did not try and lift the stay, nor did they file any kind of proof of claim. 
The bankruptcy was lawfully discharged and listed this new bank as being fully discharged. These interlopers did not prove that they are the holder in due course, nor did they have anything filed such as an assignment in the court records in XXXX XXXX XXXX until XXXX. They filed that assignment within days after I filed a Quiet Title action against them in XXXX XXXX XXXX, these documents ( an assignment and substitution of trustee ) were back dated to XXXX XXXX. 
These XXXX party debt collectors have been harassing me and attempting to seize my property without any proof of having the authority to do so since XXXX. They have attempted to sell my home on XXXX different occasions. They held an unlawful administrative auction on my property on XXXX XXXX XXXX and unlawfully foreclosed. This was done despite the fact that there were XXXX lis pendens filed on the property and there was active litigation with a Petition for Rehear in the Virginia Supreme Court. The " bank '' then e-filed a Trustee Deed stating they " paid '' {$490000.00} but they simply made a book entry and never paid any lawful money. 
I have asked NUMEROUS times for the full account loan data from the original lender in numerous QWR 's and other correspondence, they have refused to provide this information because they do n't have it. I have received numerous threats, the last one was sent as a Notice of Demand For Possession. In this UNSIGNED threat letter, they state they will start eviction proceedings if I do not vacate the property within 10 days. This letter was UNSIGNED and dated the XXXX XXXX XXXX. I have made a formal complaint with the postal service that this is harassment sent through the XXXX. I also plan to make a police report with copies to the XXXX 's office as well. I sent these XXXX party debt collectors an affidavit for them to sign to show they are doing this lawfully - they have not responded. 
Again, I have asked time and time again for account loan data from original lender and the debt collector refused yet they are continuing to threaten to steal my property. They have also enlisted this company Altisource that has been on my property causing further injury to me and my family. Altisource has called me numerous times and has called relatives and discussed with them our private business, these relatives were as far away as Florida. This is harassment and needs to CEASE AND DESIST until these debt collectors/interlopers can prove they have the authority to foreclose on a unsecured/disputed debt that has been lawfully discharged in Chapter XXXX without any proof of claim otherwise filed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have communicated with SWC XXXX several times via email and fax regarding XXXX frivolous account that was placed on my credit report. I told them that I do not owe this balance and provided a receipt from XXXX, which state that the balance is {$0.00}. 
I request the account be remove from my credit report effective immediately and they fail to remove it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed bankruptcy back in 2010 and it has been discharged for a few years now. I let my home go and Bank of America was he lender on this. I continue to get letters from them and statements after I have asked repeatedly for them to stop sending me these. I also asked them not to call me and they call me every once in awhile. The home started to go into the forclosure process. I recently got a letter about an application being submitted in my name and I did not submit any application. Bank of America is continuing to harass me and will not stop. They completely disregarded my cease and desist letter as well after they acknowleged they recieved it. I need to stop is is causing me health issues. I am not sleeping well and I ma have constant panic attacks. Please do something to make this stop. Property Address is XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: ChexSystems is reporting fraud to banking institutions so I am unable to open bank accounts or cash checks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing a complaint against XXXX XXXX XXXX in XXXX, FL. I had XXXX there XX/XX/XXXX & XX/XX/XXXX ; my co-pay was {$500.00}, I paid {$230.00} on XX/XX/XXXX. I spoke with XXXX, Supervisor in Billing Dept in XX/XX/XXXX to advise her that I needed an itemized list of charges as well as informing her I would need a payment plan to pay balance of co-pay as I am on Social Security with no other income to assist me with unexpected expenses. I am lucky I had the {$230.00} saved up. They offered me a payment plan of {$25.00} per month, I said with the other medical bills ( XXXX , Dr 's co-pays, etc ) I would only be able to pay {$10.00} per month until I pay the other medical bills off then I would be able to pay more. She gave me a verbal ok on the {$10.00} per month. This week I get a collection letter from Gulf Coast Collections. I do n't understand how medical facilities can not work with you when knowing your financial situation. I realize they have 'policies in place ' but there are circumstances that the consumer just can not meet these strict guidelines. Plus when I had a verbal ( phone conversation ) that it was ok to pay the {$10.00} per month, they had no right to turn acct over to collections. I am hereby writing to the Administrator of the hospital also venting my frustration about their policies. I also have never received a statement of charges for the amount of my co-pay or showing that I paid the {$230.00} towards my co-pay. ( I do have a receipt showing I paid the day of the XXXX, but I should have received a statement showing total charges, balance due and any paid amount ( s ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. 
My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. 
I never received any notice or communication from this debt collector prior to contacting them. 
Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage loan was transferred from XXXX. to Loancare at the end of XXXX. I received a statement on XXXX/XXXX/XXXX for payment due XXXX/XXXX/XXXX, of which I paid immediately. I NEVER received a statement/bill in XXXX for XXXX payment. I called on XXXX/XXXX/XXXX to inquire as to why a statement had not been sent for a bill due in a week. She claimed it was due to the weather! I decided to pay the bill online and the ONLY statement on the website was the XXXX/XXXX/XXXX statement. When I called Loancare back to let them know the website statement was not current nor up to date, I was placed on hold for 25 minutes which went past hours of operation and so my concerns were never heard. This level of incompetency for a company in charge of mortgages and tax payments is completely unacceptable. 

Company response: Company chooses not to provide a public response