AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Several months ago my wife and I researched refinancing our home in XXXX XXXX, we chose Freedom Mortgage. After several months, and to date ( XXXX XXXX 2015 ) we have not had the closing, but received a letter in the mail from XXXX XXXX on XXXX XXXX 2015 that : " The servicing of your mortgage loan has been transferred from XXXX XXXX XXXX XXXX to Freedom Mortgage Corporation effective XXXX XXXX, 2015 '', etc. 
The letter gives the address to submit payments : Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX with the first payment due on XXXX XXXX 2015. 
I made the payment to Freedom Mortgage account number XXXX, and now Freedom Mortgage is sending us another Good Faith Estimate with a completely different interest rate, mortgage payment, etc ... 
I was contacted by a XXXX XXXX, Mortgage Processor On behalf of Freedom Mortgage. XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXOffice : XXXX ext. XXXX Fax : XXXXEmail : XXXXXXXXXXXX. 
by telephone and e-mail. I replied to XXXX XXXX about the situation and my concerns about the original mortgage loan and informed XXXX that I have already started payments on the mortgage XXXX XXXX 2015. 
Today, XXXX XXXX 2015, XXXX replied back for me to provide her the loan number so she can look into this. 
I am afraid that this may be a scam or a fraudulent transaction, as that XXXX can not locate my mortgage loan number by my name, and that Freedom Mortgage has sent another Good Faith Estimate with different interest rates, etc., trying to fraud me and my family out of my hard earn military retirement / XXXX veteran XXXX XXXX. 

Which part of the mortgage process is your issue related to? ( 1 ) No closing occurred with official signatures, ( 2 ) per Freedom Mortgage letter dated XXXX XXXX 2015 to start payments on XXXX XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to financial hardship contacted USAA to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be 3 months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted USAA and was informed that it was returned by USAA via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, USAA demanded 2 months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} ). USAA sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : XXXX or USAA. Receiving phone calls up to XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from USAA and XXXX on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I were approved for a home loan by InterLinc Mortgage Services in XXXX XXXX, TX. My wife and I were scheduled to close this Wednesday, XXXX XXXX. On today, XXXX XXXX at XXXX InterLinc sent me an email and stated that we were full approved and to proceed with the final walk-through of the property and to provide a time to meet at the Title Company. At XXXX today, XXXX XXXX, InterLinc called and stated that I was no longer approved. They stated that the reason for the last minute denial was because of the current home that we are renting is under forclosure and that rent payments have not been made. I sent them an email from the property management company which shows their approval to stop paying rent due to the forclosure, however, InterLinc still revoked their approval. This has caused us to lose our dream home. Please help us. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX 2014, I initiated disputes with Experian XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. SubsequentlyXXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts XXXX XXXX ) in total were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have re disputed these entries ; they still have chosen to do nothing. I am requesting for the third time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted LoanCare Inc. regarding a late added to my credit report. The loan was paid off and according to one the agents, " there XXXX departments often have a delay in updating pay offs ''. I was told that it would be corrected since I was considering using them for my new loan. I decided to go with a different lender and I called for a status and was told that I now needed to file a formal request to have it corrected. I requested the XXXX # and name of the person I was speaking with and told simply his employee # and last name which I am certain was fake as generic as it was. With all of the mortgage regulations I would expect that this does n't happen anymore. 
The company again is LoanCare llc and the person that refuse to provide information was XXXX # XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Has not reported payments to the Credit bureau. Refuses XXXX recognize that I was discharged from a chapter XXXX therefore not allowing my account to be eligible for services that could benefit my account 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to Sears XXXX in XXXX 2013 to get XXXX for my son. They said if I put the amount due XXXX {$3400.00} XXXX on my Sears Card it would be interest free for two years. I already had a balance on my Sears Card, and I was making monthly payments. I just received my Sears Statement today and while the balance was {$4900.00} last month, it is now {$7100.00}. A charge of {$2300.00} representing interest was charged to the account. If the original amount for the service is {$3400.00}, how do you get {$2300.00} in interest after two years? This does not make sense.That is a 69 % interest rate. Is that legal? 

Company response: Company chooses not to provide a public response
Consumer complaint: Sent a letter to collect {$1300.00} for magazine subscriptions that I did not agree to buy. 

this is a fraudulent company collecting a debt from another fraudulent company XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in the process of a Loan Modification with WFHM on my home that I have owned for 21 years and have had financed the entire time with this lender and had already made my first Trial payment on time when they discovered a IRS Tax Lien on my property. They told me to stop making the MOD payments because they would not approve it with a lien on the property. They told me I needed to get the lien removed. After several months WFHM started the Foreclosure process and set a sale date of my property. I contacted XXXX XXXX XXXX the President of WFHM by email and told him what happened. He had a Rep call me and tell me that they would delay the sale date and told me I needed to get the IRS to agree in writing to allow WFHM to be recorded as the First Lien holder on the property and if they would do that, that WFHM would continue with my Home Mod process and stop foreclosure. I contacted the IRS and also filed a IRS XXXX form. After quite sometime the IRS through Rep XXXX XXXX told me they would in fact agree to WFHM terms but I had to include a letter with my IRS written request and forms from WFHM stating that the purpose of the request was for a Home Loan Mod only. I contacted WFHM, who had in the meantime started foreclosure proceedings again and set a new Sale Date of XXXX/XXXX/2015. I had to contact WFHM numerous times telling them the IRS required a letter from them that I had to include with my signed form to give WFHM the release they wanted. These calls were made over several days both by phone and email before they would ever return my calls. When they did they said they were refusing to stop the sale date because I had not provided them with the information they requested and the property still had the IRS lien. I tried to no avail to explain that I had done exactly as they ask and that the IRS had verbally agreed but required a letter from WFHM to be able to put that request in writing. They refused at this point and allowed my home to go to sale at which time they purchased it at auction for {$160000.00} when I only owed {$140000.00} on he property. I believe that a local realtor had informed them that the home is worth {$270000.00} on the current market and that is why they were willing to bid even more than I owed them on the loan. Also under NC Law all liens including the IRS are Second anyway to the lender, so in fact WFHM never needed anything firm the IRS and could have allowed the Loan Mod that they had already said I qualified for and had started making payments on to proceed instead of stopping it. I believe that WFHM have violated both the Laws of North Carolina and Federal Law in regards to the sale of my home. North Carolina has a 10 Day Bid Upset period before this sale becomes final and that date is up at XXXX on XXXX/XXXX/2015. WFHM defrauded me on the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX and I am the cosigner on XXXX loans for my wife, XXXX XXXX XXXX maiden name XXXX XXXX. On our first loan in the past we attached XXXX notes to XXXX consecutive bills that were sent into Sallie Mae for the purpose of instructions on how to apply payment to our loan. We had paid over the minimum amount and the excess had not been applied to principle. The purpose of the notes was to instruct Sallie Mae to apply the extra to principle so that the loan could be paid down quicker. This was attempted because I had called into Sallie Mae to find out how to apply excess to principle and was instructed to attach a note. XXXX notes seemed to be ignored and after calling in and being told just to attach another note we gave up. Now that my wife is going back to school we applied for another loan in late XXXX. My wife made her normal payment over the minimum for XXXX and we did not receive a bill for XXXX. Because she had paid over the minimum Sallie Mae had taken the excess and applied it for the next payment. This is not how we wanted the payment to be applied. I called into Sallie Mae to find out the current status of the loan on XXXX XXXX, 2015 at XXXX. After talking with someone on the phone I was told that excess funds are kept in an account so that if a payment is missed or under the minimum this account will make up the difference. I also asked why payments are n't applied to principle and the above was explained to me and I asked if they did this so that loans are more likely to be held to the full duration, the response I received was " yes ''. From my understanding it is illegal for Sallie Mae to apply a payment contradictory to the way indicated in the note attached to the payment. I would like to know why our instruction have been ignored and why payments are not applied to the principle. Unfortunately I do not know the dates for which the noted were sent in or calls were first made for this problem. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had Applied for a Loan with Countrywide Mortgage now Bank of America XXXX/XXXX/2005 ( Exhibit ( B ) which I later Withdrew ( Exhibit ( F ) Countrywide/Bank of America Still moved forward with An alleged Loan ( # XXXX : ( Exhibit G ) using unsigned and False Documents ( Exhibit C, D, E ) : provided to Me upon showing my Government issued Drivers License to prove my Identity to XXXX XXXX Bank of America Representative XXXX office ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX, Phone # XXXX. 
I asked for an Investigation from Bank of America but they Refused until I Sign an Affidavit Relinquishing my Rights, which I see as extortion and giving up my Legal rights to Damages caused by Bank of America and its subsidiaries. Why would They need me to Sign anything when the information was provided to me From their own computers and Files? 
I just proved the Theft to them and they admitted to the Theft of my Personal information in A Letter provided to me By Countrywide ( Exhibit ( A ). 
Because of This Loan I have now been wrongfully Foreclosed on, and Forcefully Evicted from my Home.I did not Know the extent of the Damages caused by this Breach until recently upon my own Investigations and Research using FOIA and public records request via Government Agencies, The courts and Legal system have Failed to Give Me a Remedy in order to cover up the Corruption I have uncovered by Banks and Lending institutions using Government Sponsored Entities ( XXXX ) to Shield and obstruct the PUBLIC from getting Remedies and information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Cooper Hoffman Klein & Associates began calling relatives of mine in XXXX. They have not yet mailed or sent any verification of this " debt ''. A week later, i sent a certified letter, which was returned & left s voicemail that under the Fair Debt collection practices act, to cease communication with anyone in my family. They called my employer XXXX XXXX, which they still did n't verify and I repeated to cease communication. 
Have found since they 've contacted XXXX relatives without my prior knowledge. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi-Mortgage promised me/us that they would grant the mortgage modification that I applied for, after they received {$4700.00} then never granted it. Little did I know at the time, the amount they said we were behind was never owed because they added a second Home Owners insurance policy to our fixed rate mortgage without our knowledge/permission when we already had a home owners policy. Seven months later, and after numerous phone calls I finally was able to break through and discover what they did. I was TOLD that I would be granted a reference number and a refund and the mortgage to be recalculated. The refund was never issued, the recalculation was never done, and even after a courtesy call from our Mortgage Modification Counselor apologizing for the mess and assuring us everything was going to be set right, three weeks later I received pre-foreclosure papers. There was no reasoning with Citi. Government, Lawyers or Officials knew what Citi was doing at this time so there was no direction to follow, nobody to contact who could help or understand. I finally filed a complaint with the XXXX Virginia Attorney Generals office and they instructed me to sell the house at a loss to avoid a " Short Sale '' and try to salvage any equity so we could survive because Citi was unstoppable and they never responded. We lost everything. What was ironic was that in the prior 9 months before the house was sold that I received and still have XXXX escrow statements showing a surplus in XXXX 6 month periods. The first was a surplus of {$600.00} and the second was a surplus of {$750.00}, which they never returned. It is impossible to have a surplus for over a year after Home Owners and Taxes were paid and claim a foreclosure. Last year I received class action papers stating that Citi had intentionally extorted over {$820.00} XXXX dollars, from over XXXX people, and passed it out to management for bonuses from this forced place insurance scam. Not only did they deceive us with the mortgage modification scam then they used our money to illegally foreclose. We did not owe them they money they claimed but there was nobody to stop them along with their Lawyers In XXXX Virginia XXXX PEASE NOTE!!!!! BELOW I NEED TO SELECT MAKING PAYMENTS AND PROBLEMS WHEN YOU ARE UNABLE TO PAY, because we actually went through their process and scammed then foreclosed when they refuse and refused to recaclulate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a UPromise MasterCard. On XXXX XXXX, 2015, I made a payment over the phone from my bank account to pay off my entire current balance on my UPromise care, a little over {$9000.00}. 

By their records, the payment was processed the next business day XXXX XXXX. 

However, even though they have processed the payment, they will not clear my account and are continuing to charge me interest until XXXX XXXX at XXXX! 

The UPromise agent I spoke with over the phone was unable to explain to me the rationale behind this. This seems like an immoral if not illegal practice to take payment, hold both my money from the bank and to charge me interest for a week. 
That dollar amount is too small to financially be worth my time in small claims court, but if UPromise is doing this to other credit card holders, they stand to make a pretty large sum of money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a Citi bank Visa pre paid visa card as a rebate from XXXX XXXX. The card had an extremely short expiration date of 6 months. The funds in the account were removed once past the expiration date. Per Federal Regulations I believe the card should not have had an expriation date under 5 years. I have contacted Citi bank who refuses to re instate the funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Builder and I agreed to the purchase price of {$420000.00} and the builder offered to give a XXXX % incentive and Title fees ( Approx. {$12000.00} ) towards the closing cost and title fees provided, I finance through their in-house lender, Universal American Mortgage Company. 

The Good faith estimate showed the {$12000.00} credit but the interest rate charged was 4.25 %, whereas based on my credit score of XXXX, I am eligible for interest rate of 3.75 %. The lender structured the loan by rolling the closing cost and title fee and increasing the interest rate by 0.50 %. ( Which is exactly equivalent to 3 % premium amount of the loan ). The lender is trying to recoup the incentive amount by increasing the interest rate. When I brought this up with the builder, he was not ready to listen to my argument and referred back to the contract. He also refused to return the earnest money of {$4000.00} if I wish to cancel the contract. 

The Earnest money of {$4000.00} was paid on XXXX/XXXX/2015 to the builder towards the property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX and the purchase contract was executed on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received 'cash to close summary ' from lender for which I did not agree and objected on the same day. Since then I 've been talking with builder 's representative XXXX XXXX and Lenders representative XXXX XXXX expressing my concerns and repeatedly asking to have my concerns escalated to their management and to explain my rights of cancellation options. They never escalated anything to their management nor explained to me, either verbally or in writing my right to cancel the contract. 

Finally, on XXXX/XXXX/2015 XXXX ( VP Sales ) contacted me at XXXX XXXX, I explained to him the whole situation and told him that even if I was to go with any other lender and ask them to structure my loan in a way that I do not have to come up with any closing cost out of my pocket, they would offer me the same loan that Universal is offering me, in other words I am not seeing any credit that XXXX is promising me to pay. I also stated that if they can send me an email stating that the " Entire incentive amount offered by XXXX is being applied towards my closing cost and ; none of my funds whether in the form of cash or premium are being utilized on life of the loan? '' to this he responded by saying, that 'he is not obligated to do that since i have already signed the contract with them ', further he threatened me that I am in breach of the contract. XXXX 's representative wasted time escalating to their management and now they are trying to hold me responsible. I was under the impression that once I get hold of any senior management person that person would listen to my concerns and help me, or at the least be courteous, however I was wrong ; instead Will was very rude on phone and threatened me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently began to check my credit reports when I discovered a collection account from CMRE alleging that I owe {$540.00}. I do not owe any debt to CMRE or any affiliate as I have never done business with them or entered any agreements. I immediately submitted a dispute request to the credit bureaus. CMRE continues to erroneously report that this illegitimate account was verified. I then submitted a validation request in accordance to all applicable federal and state laws. CMRE received my validation request on XXXX XXXX, 2015. CMRE sent me a letter dated XXXX XXXX, 2015 simply typing my name and an amount owed. CMRE has not responded to my validation request and has not removed this trade line from my credit reports as requested. My request was submitted via certified mail with proof of delivery. I then filed a complaint with the XXXX. CMRE responded with false statements suggesting that I acknowledged the account was validated and that they were unable to contact me because I requested to cease contact. Both of these statements are false and misleading. This company continues to add damages with their violations of collection and credit reporting laws. 

Company response: Company chooses not to provide a public response