AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: An erroneous amount was drafted from my bank account which amounted to an excessive overpayment XX/XX/XXXX. The loan servicing company refused to 1 ) refund me the difference, 2 ) apply the overage to the appropriate account in a timely fashion ( waited three to four months to finally do this all the while reporting negative information to credit bureaus ), 3 ) remove the late fees applied to my mortgage account, 4 ) reimburse me the subsequent NSF fees I incurred, and 5 ) correct the negative reporting to credit bureaus ( XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX ). Even though I contacted them timely and continued to follow-up up with the loan servicing company multiple times every month regarding this matter, I always received a different story or a request to resubmit the documentation I already submitted. It was not until I filed a complaint with CFPB XXXX that all but # 5 from the list above was corrected to which I continued my dispute of their response. My credit rating should not be damaged due to SPS ' error and refusal to address the matter in a timely and equitable fashion. The loan servicing company made a mistake and now they just need to be accountable for their error in its entirety. Reporting negative information implies that I was not handling my financial responsibilities and I definitely was at that time and continue to. 

Loan Servicing Company - Select Portfolio Servicing ( XXXX ) XXXX or ( XXXX ) XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2007 I purchased a a home through sovereign bank. Sovereign was later purchased by Santander. When I purchased my home it was at a time in our country when very shady lending practices were n't just going on, they were status quo. The interest rate on the loan is 7 % for a first time home buyer. I have my finances well in order and have never missed a payment. The loan is the exact description of a predatory loan. I had a subpar credit rating, low income, and a small down payment. I have scratched and clawed to be able to stop foreclosure, improve my credit and keep my home. Post mortgage meltdown the same regulations that would have stopped me from having a loan like this in the first place are stopping me from moving on from the predatory lending practice. I have been denied a loan modification on two occasions, and been denied a refinance once. I have been told from lenders " You need to start missing payments to qualify. '' Imagine the hypocrisy, a loan that I have been struggling to pay ca n't be changed unless I begin missing payments, but If I start missing payments I run the risk of foreclosure if I do n't get approved for the modification. I fail to see how my income, which I higher now then when I originally obtained the loan, and my credit which is higher now then when I originally obtained the loan, are n't enough to get me a lower rate. I currently have a loan with an obscene rate generated from a predatory lending practice, and the very stipulations that are in place to stop the predatory lending are stopping me from getting a fair mortgage. How can this be allowed to go on, am I just the one person caught in limbo who did n't default, but also ca n't qualify for any resolution because I put payment of my home a top priority. Predatory lending is obscene and the fact that it went on is abhorrent, but to not correct a rate more then double the current status quo is unconscionable. Santander the lending institution has denied all my attempts at resolution. Other lending institutions wo n't refinance my loan because I do n't make enough money, even though I am currently paying, and have almost 10 yrs of on time payments at a higher rate. What is going on how can this be ok, or even remotely possible, what does America stand for anymore. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have told them they are not reporting and keeping up with my information. they are hanging onto things that are so old and also while i was married and have been divorced for over 3 years. i have worked very hard to improve my credit rating but it doesnt go up it keeps going down which i do not understand. i have complained but its not working and i want them to delete things that are so old should be gone and to update my credit rating as i should have really better credit now 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XXXX, but all payments were made on time until XXXX XXXX when I lost my job. TransUnion has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. XXXX has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX from Prime Lending in XXXX is deceiving and should get fired and not get a job where anybody has to depend on him. He is/was the lender for the buyer of our home. According to the contract, we were scheduled to close 45 days out ... plenty of time for my lender to get everything done, but not for XXXX XXXX. Here it is 19 days after the initial XXXX and are sitting outside of our new home with XXXX trucks unable to get moved in because XXXX can not get his act together. He blames everyone else for the problems and will not take responsibility for doing such an awful job and botching this whole process over and over again! When he sent the closing documents to the closing attorney, the numbers did not match and information was incorrect. I mean, seriously!! You use a computer to type the info in and still can not get it right?!? What makes things even worse is that the auditors who review the loan at Prime Lending did not catch any of the mistakes and approved it! I guess no XXXX there is competent! We have had to pay for an extra day of rental for the trucks and had to stay at a friends house last night. I have bought a house before and this is the worst experience I have ever had. My realtors even said that this is a horror story for the books! Buyers, if you are serious about a home purchase, do not use XXXX XXXX or prime lending because you will never get in your house. Sellers, if you see that the purchaser is using Prime Lending for their mortgage, tell them to use another company or do not accept the contract. This whole process of selling our home has been a nightmare. XXXX XXXX and Prime Lending need to realize that their actions have consequences. This has affected my spouse, our realtors, the purchaser of our old home, the seller our new home, my wallet ( because of unnecessary expenses ), my job, and me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have mailed our payments in a timely manner to XXXX Mortgage, the payee described in our loan documents, to the address provided in our loan documents. These payments were forwarded to LoanCare by XXXX, without our knowledge, until XXXX XXXX. Our checks cleared after the grace period, but were endorsed by XXXX. We had no idea we had late charges until XXXX XXXX. We had no idea we had credit damage until XXXX XXXX. 
We did not receive notice that our loan servicer had changed until XXXX XXXX, as all lender correspondence was sent to physical address. Our home is rural and does not have mail delivery. Our mailing address was described by the lender on their closing docs, which we signed. The lender sent email positive email confirmation of payment without reference to late payment, fees or notice of negative credit reporting. 
We have tried repeatedly to both verbalize and in writing to state our understandable position to LoanCare, but have been met with delay, defensive posturing and red tape. We are pushed to defend our integrity. We feel our lender takes a " deny first and always '' service attitude, shuffling us up bureaucratic ladders with delay if we resist. Our pleas fall on deaf ears, and we are frustrated. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage Company XXXX XXXX sold my loan to Green Tree Servicing LLC, Green Tree Servicing LLC was purchased by Ditech is now called Ditech. I have not and did not receive any information regarding this company name change and also have not received any correspondence from Green Tree Serving or Ditech in reference to my Mortgage Loan statement or Balance due since XX/XX/XXXX. I 'm currently in he process of loosing my home due from loss of income XX/XX/XXXX and have been working with Green Tree Servicing LLC since XX/XX/XXXX to resume my mortgage loan obligation since re-employment XX/XX/XXXX. Green Tree has denied me every program advertised to prevent foreclosure. I am currently working with Indiana XXXX XXXX XXXX and very positive this is my last chance to save my home due to working with clinic exploring all prevention possibilities that my own mortgage servicer could not or would not. It has been very difficult communicating with Ditech, there mission is to Foreclose on my home and not work with me now that I am employed and can resume monthly payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The automated message they leave in voicemail : " We have an important message from JP Recovery services , Inc . This is a call from a debt collector, please call XXXX. " I do not answer any of their phone calls. The only debt I have is the financing on my car, which I make all payments on time and there are no issues. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to what I thought was a reputable website and they offered to give me my free annual report. I wanted to know what my credit score was so since the website was reputable I thought I was safe. It went to XXXX, it did not give me my credit score and now they have my information and I feel unsafe with my personal information in the hands of a fraudulent misleading business. What can I do to make sure my information is safe and how are they allowed to be so deceiving? 

Company response: Company chooses not to provide a public response
Consumer complaint: Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: Earlier this year, I refinanced my mortgage with Freedom Mortgage. 
In XXXX, my mortgage was transferred to XXXX Mortgage. 
My XXXX mortgage payment was sent to Freedom Mortgage, For the past FOUR months I have been trying to get Freedom Mortgage to send that payment to XXXX. I continue to be bombarded with calls and letters telling me of my delinquency. I have called over 40 times XXXX, I keep getting told I will get called back. No one calls me back. The only numbers I have are toll free numbers. People I have talked to about this problem include : XXXX XXXX, " XXXX '', " XXXX '', I asked to speak to a supervisor, XXXX XXXX XXXX, left countless messages-he never got back to me. I am worried about my credit rating, I am beyond frustrated. I need your help! Please! 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a loan from Regional Acceptance Corporation address XXXX XXXX XXXX XXXX NC XXXX. The loan was for XXXX and with an accumulating interest of XXXX that was in 2011 now they still want me to pay another XXXX to pay off for car which I brought. I talk to them and gave an offer they refused and demanded that I pay or they want to reprocess the car and after they sold it I will still owe the differences. I paid a total of XXXX for a loan of XXXX, although, it was not a fair deal but that it what I could do at this time. I would like to file a complaint against this corporation so you can assess and evaluate the situation for a fair result. Awaiting for your answer, thank you, a suffering customer 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the 3rd time that experian has complete refuse to erase wrong information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving calls and voice messages on my XXXX cell phone, once per week for the last 7 weeks from XXXX debt collection agency. I have recorded the dates of the calls and saved several of the voice messages. I do not owe any debt. I have sent a text message instructing the company to stop. I have registered my cell phone number with the do-not-call registry to no avail. I have not called XXXX because I do not want to be subjected to a scam to collect personal information or money from me. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XX/XX/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX/XX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given XXXX ( XXXX ) XXXX gift cards ( {$50.00} each ). The front of the packaging indicates that the cards were valid through XX/XX/2020. On the back of the card there is verbiage that " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity ... '' What I did not realize and which I believe is intentionally unclear is that the cards were " ticking '' from the time the person who gifted me bought them. I do not know how long my donor had them ; I tucked them away to use for some future special purchase, confident in the 2020 expiration date. Recently I was ready to make that " special purchase '' and was surprised to find that the cards could not be used because their value had been whittled away to {$8.00} each because of inactivity fees! I was able to get only {$24.00} restored to each card by working with U.S. Bank ( their records supposedly only go back one year ( XXXX x {$2.00} = {$24.00} ). I truly believe that the packaging of these particular gift cards is intended to be vague so that neither the donor or the recipient is aware that " time is of the essence ''. I truly thought that the $ XXXX monthly deduction would begin after the first time I used the card at a retail register. I have other gift cards that I have received, and none of them have these harsh conditions ( you can be sure I looked closely at that after this event ). It is fine with me if MC and U.S. Bank want to run their business by eroding the value of a gift card ( for which they have received their money ), but I do think that they should have to make it clear ( and abundantly so ) that their gift cards are diminishing in value second by second, minute by minute. " Use your card NOW or it could be worth very little or nothing in the near future '' should be emblazoned on the packaging. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a hard credit inquiry on my credit from XXXX. I found out it is from XXXX. I never applied for a card and this is causing a negative effect on my credit. What do I do to have it removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been actively trying to rebuild my credit for the past 3 years and now my credit is shot. This is a CitiBank Credit Card via The Home Depot. I was making monthly payments of {$130.00} on a balance of {$10000.00}. On my XXXX/XXXX/2015 XXXX, {$6100.00} interest was suddenly added to my balance for a total of {$16000.00} and a minimum payment of {$700.00}. The added interest charge surge has put this account {$5400.00} over my credit limit and I can not possibly afford the new higher payment. As a result of the high over limit amount and late payment status, my credit score has dropped from XXXX to XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX This account was deleted off my credit file in XXXX. See attached proof from the bureaus. This account has been paid and closed. I do not understand why it is reporting again on my credit file again. Delete this account off my credit file immediately!! 

Company response: Company chooses not to provide a public response
Consumer complaint: This company, XXXX XXXX XXXX XXXX, is charging me an exorbitant amount of interest on my latest bill. They claim I sent my payment of {$25.00} late in XXXX on the XXXX. However I have the bank statement that shows I sent it on the XXXX, which was before the due date. In XXXX, they did not send me a bill in the mail for some reason. So, I did n't send in a payment since I thought I was caught up. Now, in XXXX, they send me this bill that shows all these late fees and that I now owe {$120.00} by XXXX/XXXX/15. This company attempted something similar in the past against me, and I believe they purposely did not send me a bill in XXXX, then they blame me for not sending a payment, in order to extort more fees out of me. I have to assume I do n't owe anything at a given time if no bill comes in the mail. Had they sent me a bill in XXXX, then this situation could have easily been avoided. 

Company response: Company chooses not to provide a public response
Consumer complaint: I a bill in XXXX 2015 from XXXX XXXX XXXX about the " professional component '' of my emergency room visit to XXXX XXXX XXXX for the amount of {$620.00}. I called my insurance company ( XXXX XXXX ) and they said that it is covered by their XXXX XXXX and that I should not have received a bill. They sent XXXX a " Balance Bill Letter. " Later, on XXXX XXXX ( Dated XXXX XXXX 2015 ), I received a courtesy notification from Client Services Incorporated for the same bill that it will be going to collections in 30 days if I do not dispute it. I want to dispute it, but I do not know where to send the letter since there are XXXX addresses on the bill and do not specify where to send the letter of dispute. I am afraid to call them again because when I did they were very abrupt and kept changing the subject and asked me for my personal information like what is my previous address. They also said that it will go to collections on XXXX XXXX since they received it on XXXX XXXX. How do I keep this off of my credit report? I am willing to pay it if I know I will be reimbursed later but it is unclear if it 's XXXX XXXX 's or XXXX 's responsibility. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit report show a hard hit for an auto loan. I have not tried to get a vehicle loan in 2014 as I have a brand new vehicle. I did not try to get a vehicle loan in 2014. I want to know how that happened? Also how do I remove student loans on my account that belong to my adult children? If this is at all possible because I can get signed statements with a notary stating they are theirs. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my XXXX request to CFPB to file a complaint. I have provided written cease and desist notice by mail XXXX/XXXX/2015 XXXX ). The phone calls continue. I sent another letter on XXXX/XXXX/2015 and today I faxed the letter to please stop the harassing phone calls. The phone calls have escalated to XXXX a day. I work from XXXX M-F and drive patients to their appointments for a living. Sun Loans calls my personal cell phone everyday. 

Company response: Company chooses not to provide a public response
Consumer complaint: With full XXXX party authorization from my client who is the seller in a short sale, I instituted a sale of the concerned home. Mortgage service company has used numerous delay process and has ignored all documentation and request from the seller. Time is of the essence whereby the buyer of the home will abandon the sales process if short sale approval is not obtained. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX and XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America will wave the monthly bank account account fee if {$250.00} of *new* charges are made to the associated credit card. They have not been waving the fee and now state that *new* charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a home line of equity loan from Bank of America for approximately {$130000.00}. It is coming to a balloon status in XXXX 2016. I have proactively tried to request an extension and had taken over 5 months to complete the application and trial payments. They have sent the new document to sign with the new terms in regards to the extended time of 180 months and the new payment will have to include interest and principal. The concern that i have is that the new agreement does not mention the interest rate for the new agreement and it does not indicate in plain language that the rate term will continue as the original agreement of adjustable rate that is prime minus 1 %. I have spoken to several relationship manager and they all have verbally explained that the rate will continue as the original agreement but they cant send anything in writing. I asked if they can email or I can email them with this information and they declined. All their calls are however recorded but i am not allowed to record any of their conversation. How can i feel assured with the new agreement that they are asking me to sign will in fact have the rate of the original document. My original loan document was with Lasalle bank which was acquired by Bank of America. I have always paid on time and am current on my loan. I hoped that i would have received the fixed rate on the extension but they said that the term can not be changed.I would have to apply for another loan. My home is underwater at this time. 

Company response: Company chooses not to provide a public response