AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was denied for HAMP, XXXX XXXX XXXX Mod and HAMP Tier II. HAMP and XXXX XXXX XXXX mod said I am less than the XXXX % DTI, which I understand that. But the HAMP Tier II I do qualify for. My denial letter states that I was denied for HAMP Tier II for the following : Your client 's modified monthly mortgage payment must be greater than or equal to XXXX % or less than or equal to XXXX % of their gross monthly income. Well, I am at XXXX % DTI which shows that I do qualify for HAMP Tier II. 
I filed an Appeal on the denial letter and the lender stated they would have a response by XXXX/XXXX/2016. My atty nor I have received a response. I called the lender on XXXX/XXXX/2016 and I spoke with XXXX in the XXXX XXXX. She placed me on hold while she contacted Loss Mitigation. XXXX came back to the phone and she stated that the Appeal is still in review and is in the Complaint Department. She stated that Loss Mit does n't know when a decision will be made. 
This is not acceptable. As you can see I clearly qualify for the HAMP Tier II and the lender has taken over 30 days to respond with a decision on the Appeal. Even if I did not qualify for Hamp Tier II, the lender should have some in house modification programs such as Asset streamline mod etc, to assist homeowners with true hardships. 
The lender also indicated on the denial letter that the completed an interior appraisal on the property. The lender DID NOT complete and interior appraisal or an exterior appraisal on the property. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was a victim of a fraudulent loan, I never received anyof the money.the loan agent collected the funds & dissappared, went out of business.sold the loan to another company, left me with Morgage payments.home forclosed & left homeless & in debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My account was in a positive balance. XXXX transactions which were to occur the previous day were applied by Bank of America and XXXX overdraft charges were made with a total amount of {$140.00}. I deem this activity to be unlawful. After contacting Bank of America customer service on XXXX/XXXX/2016, I was informed that the fees can not be waived and that I am unable to close my account which I had also requested during this phone call. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a a unverified account from CREDIT MANAGEMENT LP XXXX. 
this account. I have never done business with CREDIT MANAGEMENT LP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CREDIT MANAGEMENT LP purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT LP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was given a unaffordable loan mod in XXXX 2015, I appealed to get an affordable payment and they denied me 3 times. I have an agent that listed my property after the last denial XXXX 2015. the property was listed XXXX 2015. It took a while to get a buyer and we have one and now. SLS is dual tracking and they want to foreclose on me? They have had my file for 4 years and it took them 4 years to approve a loan mod, that I ca n't afford. They have four years of up to date financials, four years worth!! so since they ca n't give me an affordable modification I have no option but to sale the property. XXXX is n't letting me short sale and I do n't know why. my agent listed the property shortly after the refused to give me an affordable loan mod. listing date XXXX 2015 and we got an offer to stick on XXXX XXXX 2015 and sent it over immediately along with a complete pkg. SLS confirmed they have a complete pkg to review but are still trying to foreclose. I am not understanding their behavior. it took SLS 4 years to review my file for a loan mod This is outrageous behavior and would like to sell my home please. I dont want to go to foreclosure because the bank messed up.please help me from foreclosure via XXXX and no dual tracking so I can sale my property before foreclosure. We have a valid offer in and under review. XXXX different people at XXXX has confirmed my short sale file is complete and under review. XXXX, XXXX and XXXX. They have set a sale date for XX/XX/2015 we need ample time for the escrow to close. this is disturbing. Please help me so I do n't have to go through foreclosure. I may need an extension but we are doing everything possible tyo close by XX/XX/XXXX. all corresponding documents that were sent to them are attached. 

Thank you very much and XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: During a divorce settlement I was awarded the home and part of the decree was to refinance in my name only. I began that process in XXXX XXXX. My bank is wells fargo/ASC. ( American servicing company ) I used a third party broker to manage the process for me and after several months I was approved for the HAMP program. XXXX of the requirements was that my ex wife sign a quit deed prior to closing. She would not, because she would give up rights to the house and still have the financial burden. 

As soon as Wells Fargo found we were looking to modify our loan they wanted to be our new best friend. They have done nothing but XXXX it up and to this day continue to keep the process from moving forward by providing outright lies to my ex-wife about the process. They certainly do n't want me to qualify for HAMP, it 's not in their best interest because the house is underwater and they would have to give up their 6.5 % mortgage which increases again XXXX XXXX. Now they begin a campaign of sheer confusion. I receive a letter regarding the program and notified the clerk ( to be named ) that we were using a third party and thank you. This person on almost a weekly basis would send a package of documents to my ex wife to be filled out. We explained that it was me, not her that was trying to qualify and asked him to step out of the process, we had it in hand. The overnight packages continued to my wife with the same old requests about her financial information. This shed doubt with her about the program because she could n't understand why he would continue. He has never contacted me personally or responded to any emails. 
I was eventually approved under the program with a lower home value and lower interest rate which provided savings of {$1000.00} per month. I 'm XXXX and live on social security and now that I have the burden myself of the mortgage I needed assistance. I received a letter from someone at Wells Fargo that has never returned my call that said they power of attorney to negotiate with my broker. Unless it was snuck into the mortgage paperwork, I never signed any such thing. This started in XXXX XXXX and now it 's around XXXX that we start running out of time due to the program ending XXXX XXXX. My ex wifes attorney calls and asks this clerk about my process and he told the attorney my loan did n't qualify for FHA refinancing. That 's fine, I was applying for a modification which it fell into as a category. Based on that my ex wife 's attorney sent an email rescinding interest in signing a quit deed. Now I 'm XXXX. It 's not easy to qualify, you have to provide tax returns, financial statements, a hardship letter, and with XXXX intentional lie this bozo wipes out 5 months of work. The house is worth less than the mortgage outstanding and have really to options, require these people to stand up and be a legal corporate citizen or bring a moving truck and let it be, they will be the proud new owner of a home I can assure you they wo n't want. 

Company response: Company chooses not to provide a public response
Consumer complaint: Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % interest. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Our loan got transferred to Specialized Loan Servicing LLC and we are making our monthly payments consisting of principal, interest and escrow. The escrow balance was forwarded from previous lender but starting XXXX last year our required flood insurance was not paid by SLS even we send a fax asking for payment. And that was at the height of the hurricane season with the house in hurricane capital XXXX Florida. Fearing the lapse of coverage we paid the insurance premium directly and asked SLS to reimburse us out of the escrow balance. All these faxes remained unanswered. Now we received a letter from our homeowners insurance that the premium has not been paid by the lender leaving our primary residence uninsured. Seeing this pattern from SLS we checked to see if our property taxes which where due XXXX 2015 where paid to find out these have not been paid either. We requested a payment history and found on the history that payments where moved around to various accounts within SLS but never applied as intended. The payment history is so distorded by transferring monies around that it makes me very worried about the correctness. Over {$8000.00} of principal balance which was paid by us for insurance and taxes where applied to future interest and principal payments and even booked as suspended balances. Phone calls to clarify the account lasted hours at a time being on hold and transferred and disconnected without even talking to a person in charge. This ca n't be that a lender misuses funds entrusted to them to pay the homeowners liability as per loan agreement. This is borderline fraud. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry conducted by BANK OF AMERICA on XXXX/XXXX/2016. I did not authorize any employee of BOA to review my report for any purpose at any time. Further I personally contacted BOA and requested to be provided any signed written document on my part authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my civil rights under FCRA and PRIVACT RIGHTS. As a direct result I have continued to suffer irreparable economic loss, including but not limited to inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BOA staff. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a job through a company that was false. The job was set up for me to work at home and they would mail me funds. I contacted the XXXX Attorney in Colorado and found out after I had cashed the check that these are false businesses made to get you to spend your money on their businesses. My bank charged me a {$15.00} fee even though I went to them on Monday after I had deposited the check on Saturday and they still charged me the fees even though I explained that this was a fraudulent business. Then they bounced a check and charged me XXXX because I was short about {$6.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied to the XXXX XXXX XXXX credit card and was denied based on information was obtained from Experian credit reporting agency. 
I tried to obtain a copy of my report and was denied, I tried to talk to a live person, but Experian do not have that as an option. 
I have the right to know what information on my report, and Experian has the obligation to give that information. 
If Experian do not have a live person to respond to customer concerns, they should not be in position of being a credit reporting agency. 
it is like getting one side of the story. 
denial letter reference number XXXX, XXXX2015www.experian.compo.XXXX, XXXX, TX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. 
I began repayment of loan after I XXXX in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}, and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}, meaning I 've only reduced the loan by about {$1800.00} and the bank has profited a tidy sum of over {$16000.00}. It appears to me that this qualifies to be called predatory lending? Issue # 2 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Response Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher ( s ) to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

An Initial 90 day Security Alert has been added to your personal credit report. This message, which will expire after 90 days, alerts credit grantors to verify your identification in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for six months. 
For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, XXXX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

I DID NOT ASK YOU TO PLACE A SECRITY ALERT ON MY REPORT I AKED YOU TO STOP PLACING IT ON MY REPORT AND DO YOUR JOB XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Remove ALL ALERTS FROM MY CREIT REPORT DO NOT PLACE THEM ON MY REPORT AT ALL 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to financial difficulties borrower 's home was listed for sale in XXXX of XXXX. An offer to purchase the home was received on XXXX XXXX, XXXX. Bank of America as the servicer began to impose continuous requirements and waiting period hold and court authorizations prior to reviewing the borrower for a short sale which further delayed the transaction for a period of 8 months to the decline the offer after setting several requirements had to adhere to in order to be even considered for the short sale in which the borrower complied with. Bank of America than declined the short sale without a complete denial explanation, reason and due process of appeal as required by the HAMP guidelines. Bank of America requested a loan modification requested must be submitted prior to review of the short sale. The borrower was approved for an un-affordable loan modification which demonstrated more than 31 % of the borrowers gross income. Bank of America requested for the borrower to decline the offer in order to proceed with the short sale in XXXX. On XXXX/XXXX/XXXX a declination letter was sent to Bank Of America. On XXXX XXXX, XXXX Bank of America requested a Bankruptcy approval to proceed with the short sale. On XXXX XXXX, XXXX the bankruptcy court approved the sale of the subject property as Bank of America requested. Bank of America sent an eligibility letter on XXXX XXXX, XXXX. Bank of America than imposed another requirement for the borrower to wait 3 months for the trial plan period to expire ; although the offer is not valid after defaulting on the first trial plan payment. Bank of America did not allow the borrower to proceed with a short sale request until XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America denied the loan modification stating the Investor/Guarantor on your loan or your XXXX has declined the approval because it does not meet their requirements but would not disclose what requirements were not met and refused the borrower due process of an appeal after setting requirements and imposing conditions on the borrower to be met for a period of 8 month. By Bank of America delaying the process for 8 months which negatively affected the net present value results. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We were in chapterXXXX we completed our plan in XXXX XXXX we were instructed by the chapter XXXX trustee that we were to start making our own payments in XXXX XXXX and we did, Dietect sent us a letter in XXXX stating we were one or more payments behind and in default, not True and I wrote them sent them bank statements showing they had got all of our payments and when they had ach through our account, they ignored it and kept dunning us for a payment or payments we do not owe, they have called my husband at his job they have sent incorrect house statements we have wrote them every month since XXXX XXXX asking for a correct house statements with no answer we have wrote them in XXXX requesting they tell us which payment they say we did not pay, because I have bank records showing all my payments from XXXX XXXX untill XXXX XXXX where the ach my account and got all their payments, I have contacted my Bankruptcy Attorney and they have contacted the Chapter XXXX trustee and told them ditech was saying payments had not been paid and was told by yhe Bankruptcy Attorney that the chapter XXXX trustee contacted our mortgage co XXXX XXXX XXXX with a 21 day final cure payment because we were getting ready to complete our XXXX XXXX and if any money was still owed the XXXX co had 21 day to respond and they did not respond so they conceeded we were paid so in XXXX according to our chapter XXXX trustee they paid XXXX XXXX, XXXX XXXX and XXXX XXXX payments so there is no way we are behind in payments Ive sent all of this to Ditech and they still refuse to quit trying to collect payments from us we dont owe.They will not provide us with the so call missing payments so we can present them to the chapter XXXX trustee, we have had no info on our house for 5 years while we were in chapter XXXX we know we made all our payments as instructed by the court. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: hi Bank Santander reported " account risk '' for the XXXX accounts to " XXXX XXXX '' credit reporting company. Subsequently, other banks that I held bank personal accounts, credit cards, IRAs, XXXX accounts terminated my accounts. Now I have to open new accounts, but I have a hard time to do so, because XXXX keeps issuing " account risk '' for my ID. 
The problem is with bank Santander / Sovereign, I would like the information about " account risk '' to be removed from my file due to the following reasons : 1. I am a joint signor on the accounts, but I never performed any operations with this accounts. I did not receive any statement or information from the bank about these accounts, even though they have my correct address. 
2. I am not the owner of the company that owns these accounts and I have a limited liability for these accounts. 
3. The bank never gave me any information regarding any unpaid fees or any problems. 
4. The bank never gave me a chance to correct the situation and pay the fees or any other losses. 
5. The negligence of Santader bank causes me stress and I have troubles to open any other bank account. 
Contribution ref # XXXX & # XXXX that " XXXX XXXX '' received, for the accounts # XXXX and # XXXX. 

Regards XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Select Portfolio Processing has been requested to complete a subordination agreement by XXXX. The first request was made around XXXX XXXX. To date, XXXX XXXX, the request has not been completed, after almost 60 days. Additionally, there is no timeline for completion. I was told today that some requests take 6 months. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted the reporting aciency reguarding information that should be off my account due to either settlements that I am not allowed to discuss or companies that can not prove that this debt is mine. My personal information has been stolen from XXXX different data breaches so I want a signed contract or the credit reporting agiency needs to remove it imediatley. All these companies need to do is say someone owes them and then your life is ruined. I will retain a lawyer if the items I disputed are not removed imediatley. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response