AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: SPS is violating California State Law and Federal Law in the handling of my short sale for my property. 

Complaint # 1 - Denied Access to Relationship Manager. 
1. ) When I call SPS I have been repeatedly denied the ability to speak with my assigned relationship manager XXXX XXXX at XXXX. When I request to be transferred to her by the automated system I am sent to the Customer Service department. When I request the Customer Service representative to speak with XXXX XXXX I am told that she is not available. When I ask to leave her a message I am informed she does n't have voicemail and there is no way to reach her other than for the Customer Service representative to send her a task. Most Recently XXXX XXXX at XXXX denied me access to my Assigned Relationship Manager. 

Complaint # 2 - Violation of HAFA short sale timelines and intentional delays to defeat my rights to short sale my property. 
1. ) On XXXX XXXX I called for an update and was told that the short sale was on hold pending documentation clarifying the names between the listing agreement and the settlement statement. 
2. ) On XXXX XXXX I emailed the documentation to SPS which included an updated Settlement Statement, a copy of the Trust Documents clarifying the trustees and the grant deed showing the transfer from our personal names to our trust. 
3. ) On XXXX XXXX I called to make sure the documents were received and was told they had been received but not processed. 
4. ) At the end of the week of XXXX XXXX I called again and was told the Settlement Statement was reviewed but the other documents were not reviewed. 
5. ) On XXXX XXXX I called and was told that all documents had been reviewed and the file was complete and being reviewed by underwriting. 
6. ) On XXXX XXXX I called and was told that the short sale was denied on XXXX XXXX since the buyer had been changed and a new file would need to be created. The new buyer contract had been sent more than a month ago yet on none of the calls that I had placed in XXXX did anyone from SPS mention that I would need to create a new file. 
7. ) On XXXX XXXX I called SPS again and opened a new short sale file by speaking with XXXX XXXX. He also said that XXXX XXXX is going to call me back within XXXX hours. 

At this point after more than a month of SPS delays I am about to loose my XXXX buyer on this property. My XXXX buyer walked away after waiting 45 days for short sale approval. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been using National Bi-Weekly Administration , Inc bi-monthly payment plan for about a year to pay for my mortgage. I received literature in the mail and called to inquire about this " service ''. I was immediately sold on the idea of paying my loan off sooner and that this was the best way to do it. I feel that this company does not act in the best interest of the consumer and they rely on misinformation to sell their " service ''. I feel cheated and angry. Frankly, it is humiliating to realize you have been taken even for its relatively small amount. I want to help ensure this does not happen to others. I feel like NBA is n't providing a service at all like what they advertise. I feel the service NBA offers it that of someone that takes your mail to your mailbox for you. If they were to describe it in such a manner it would not be nearly as successful. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: In 2009 I had a traffic accident which no citations was issued the police stated no one was at fault, some how Hiday & Ricke on behalf of STATE farm ins. not only was able to go to court and falsify info but as some how gotten my driver 's license suspended, I have no money to hire a lawyer and need my driver 's license to work. How can any one who is a debt collector get some one driver 's license suspend and I was not even notify that there was court proceeding to attend and defend my self. I need some one to look into this for me. Thank you in advance. 

P.S the XXXX was wage garnishment. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX my loan had a balloon payment due. In XXXX XXXX to contact US Bank to assist me on what they can do to helpas I could not get another loan to pay this XXXX off. It is now XXXX have been going back and forth for years with no end in site. I have sesent them paperwork after paperwork. Had a short sale offer, they didnot take or even respond. Requested a deed in lieu and they did notrespond, suggested at the beginning if I could continue to make the payments as is they said no loan was due in full. After a year or so of this they said I could make up the past years payment, bring loan current then make monthly payments. At that time it was {$9000.00} pastdue. I only owed {$23000.00}. Today they say I owe {$23000.00} plus {$17000.00} past due. I took money out of my IRA to just keep up with mybills. I have had excellent credit my whole life, this has just been anightmare. They did change the mailing address so for six monthsI did not receive anything. It took they a year of me callingto correct the mailing address. this is a lot loan, no house is on the property. In XX/XX/XXXX they started foreclosure, I told them to take mylot. They have done nothing.They have ruined my credit and arecontinuing to ruin my credit. I am at the end of my rope. this problemneeds to be resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a XXXX XXXX XXXX XXXX Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called XXXX XXXX when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been denied a modification from Bank of America for the XXXX times, they continue to string me along, like my modification is being review and after one year or more they come back to tell me I was denied ... 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank of America has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank of America is gaming the system to punish me for beating them in the courts. 

Company response: Company chooses not to provide a public response
Consumer complaint: This call was from the same number that I reported on XXXX/XXXX/15, reference # XXXX. They say I have to call them immediately because I am in trouble because a complaint has been filed against me. They will not identify themselves properly & I have received no such notices in the mail according to Fair Debt Collection Practices Act. They are leaving a different number to call this time ( XXXX ) XXXX XXXX XXXX. But, their caller ID is the same as before ( XXXX ) XXXX XXXX & when I called that number it eventually picked up on a voice mail saying it was STP Management Group. Other complaints against them on the internet. This message was a little less nasty than before when they threatened me with going to jail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The accounts XXXX and XXXX ( ANY AND ALL BANK XXXX XXXX ACCOUNTS ON THE CREDIT PROFILE ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit XXXX Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank XXXX XXXX is gaming the system to punish me for beating them in the courts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Excessive calling after asking not to contact me under any circumstances. Speaking aggresive of other inquiries and information on my credit report. Excessively pulling inquiries without my authorization XXXX a week and every other day. Talking over me being very unprofessional and then hung up on me while I was talking. This is messing with my health and agitation of the pre-existing health problems I endureXXXX to the point of cancelling the doctor appointments I had scheduled. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have spent the last year trying to work with XXXX to remove the 120 days late status from a loan that was closed on XXXX 2011. In my latest attempt they have continue to report the same status and verified with Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a case with CFPB on XXXX/XXXX/15 ( case number XXXX ) with Mariner Finance. The business stated in the complaint " Mariner Finance can confirm that XXXX XXXX 's account is paid in full and his paid document will be sent to him. '' I have received XXXX bills from this company stating money is still owed and to mail payment. I checked my credit reports and they are reporting to XXXX that I owe {$180.00} and they have been charging monthly late fees of {$30.00} per month. As promised in the prior case, they never sent me any documentation nor have I done any further business with this company yet they continue to charge me a monthly late fee and the first complaint stated they waived the final {$24.00} due as a good faith gesture so I do not understand where this {$180.00} came from when they stated account was closed and no money was owed. 

Company response: Company chooses not to provide a public response
Consumer complaint: More than eight weeks ago, I called the number a consumer is supposed to call to request copies of credit reports from all XXXX credit reporting agencies. I gave them all of my sensitive information plus my current street address and telephone number. The XXXX probably has a record of my call, but I have heard nothing about the requested credit reports. I do not know what to do next. 

Company response: Company chooses not to provide a public response
Consumer complaint: Services received by my son from XXXX XXXX during period that my son had full coverage from medical with XXXX copy. When I discovered that this was a charge now sent to collections that was not my responsibility. I tried several ways to resolve this. I faxed a letter from Medical stating coverage start date and proof of coverage during the visit that was wrongfully placed as my debt. I spoke on the phone to XXXX and XXXX and was asked to fax proof of.coverage. I made a copy and did just.that. I am suffering from this collection account, Medical may have made a mistake.or the billing department from the clinic. I want this to be completely erased from all XXXX credit bureaus. Thank You, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: As of this date XXXX/XXXX/XXXX, Sears credit card has not sent me a bill in the mail and I am concerned that they are with holding so they can charge a late fee. This is a reoccurring issues with this company. They processed and cashed my check last month on XXXX/XXXX/XXXX but sent that bill out in a timely fashion only because of my filing with your organization. Again, they have yet to send out a XXXX XXXX bill. In my observation over the years, this company is quite deceptive seeks to collect late fees when in fact the consumer is not mailed a monthly bill in a timely fashion. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union, as of XXXX 2015 I have noticed lag time reporting credit information to credit file. As of today Wednesday XXXX XXXX 2015 I have formally called in a complaint to Trans Union XXXX XXXX in regards to credit file not being updated, XXXX accounts last updated XXXX/XXXX/2015 XXXX accounts reported XX/XX/XXXX-XX/XX/XXXX. As of XXXX XXXX 2015 no accounts have been updated to reflect current status of account status in over 30-60 days. Trans Union credit agency representative in USA called me a liar regarding accounts, in addition said No information has been received from any creditor for Trans Union to update my credit file. 
This obviously is incorrect information given to me. 
All creditors reports are automatically generated by each creditor when statements are generated, In regards to XXXX and XXXX all creditors are reporting accurately to credit file and current as of Wednesday XXXX XXXX, 2015, No lag time. 
I asked Trans Union Representative How/why the other national credit agencies are reporting but Trans Union is not.?. 
He said it is not Trans Union, it is all your creditors fault for not reporting any information to Trans Union. I find this hard to believe when everything is automated. 
Trans Union Representative said there is No department within Trans Union to file a complaint regarding updated credit information in ones credit file. 
Trans Union representative had also said he has only heard of this type situation 3 times before during his employment with Trans Union and was unfamiliar with their procedure to correct the problem, Trans Union representative had mentioned in those cases it was a computer glitch software anomaly. Trans Union representative told me he would need to transfer me to IT but that could n't and would n't happen as he is unable. 
Trans Union representative told me I need to file a dispute against ALL my creditors so they can manually send in accurate current credit report, that makes no since to me. My creditors have reported to all credit agencies regarding individual accounts, I have called each company to confirm, they all reported to Trans Union every month.. XXXX and XXXX all show accurate and current month credit information. 
My dispute is not with creditors but solely with Trans Union XXXX XXXX They are unfairly reporting credit information, selectively. 
When I have applied for a credit card an inquiry is automatically added, when a creditor reports Trans Union delays updating credit report, in my case 67 days for XXXX accounts, 31-41 days for XXXX accounts, and XXXX account has not yet generated a XX/XX/XXXX statement. 
I was told by Trans Union representative there is absolutely No agency I am able to file a Compliant/Dispute against Trans Union, I replied I am able to file a complaint with C.F.P.B. 
and so I 'm doing so. 

Company response: Company chooses not to provide a public response
Consumer complaint: received statement from Citibank regarding complaint XXXX it addresses the XXXX XXXX on XXXX/XXXX/XXXX it claims no documents were sent that is invalid, they were sent and they declined ; XXXX additional circumstances were also filed XXXX XX/XX/XXXX XXXX another XXXX XXXX another XXXX XXXX, Citibank declined to honor all credit protection, the had adjusted payments from XXXX to XXXX which were to be XXXX interest, they once again refused any adjustments, bringing account down to $ XXXX then offering to adjust to zero interest, I had no income and they refused all three situations when I had been paying for credit protection ; the minimum fees acquired for 5 year period exceeded {$7000.00} ; it was challenged once again when it was discovered on credit report, they answered the complaint that they had tried to work with me and that I was in default and that it was sold. the account was closed in XXXX XXXX, it has been reported by XXXX on my credit report since XXXX and is still being reported ; both Citibank and XXXX have increased the balances due, I have had to spend monies for legal fees to fight this, a senior now on a fixed income, XXXX has refused to adjust balance, Citibank has passed it on too XXXX stating it is no longer their issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Macy 's Debt Collection XXXX is contacting, an employee of XXXX XXXX who does not have a Macy 's credit card and attempting to get her social security number and asking her about other people who work at XXXX XXXX once they learned she does not have a Macy 's account. They call 3x 's per day and go thru the IVR to get to her extension. It is very annoying and disruptive. It seems like a scam to get information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some years ago my husband got a car from Drive Time which unfortunately was repossessed some years back. He ended up passing away last year. A few weeks back I was looking to co-sign for my son a car when and realized that Drive Time had just recently put on my credit report that the car was repossessed as if it just happened recently. On top of that I never co-signed for the loan as I had no source of income at the time but my husband. I am currently on a fixed income ( widows pension ) with Social Security and have tried numerous times to get in touch with Drive Time in order to get the paper work showing that I never signed on the loan but they have failed to come through as I just gets the run around with them and it has become so frustrated. This is not only a new burden I am facing but also brought my credit score to a low XXXX. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: i pulled my report and noticed items thats not mine on my report. and filed a dispute i also filed an affidavit 

Company response: Company chooses not to provide a public response
Consumer complaint: BANK OF AMERICA THE Alleged Investor /Owner of the Note on my property located in XXXX XXXX XXXX XXXX Ca XXXX violated XXXX of the codes of the Fair debt Collection Practices Act XXXX XXXX XXXX sec XXXX ( b ). 
BANK OF AMERICA refusal or ignore to respond a certified letter sent on XXXX/XXXX/2015. 
BANK OF AMERICA Failed to respond my Debt Validation letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account. 

There are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX : FOR THE XXXX KICK OF THE MULE I AM STILL STANDING BY MY RESPONSE SUBMITTED TO BBT BANK AND THE CONSUMER PROTECTION FINANCE BUREAU ON NUMEROUS OCCASIONS. YOU KNOW THE ROUTINE XXXX-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX! STOP REFUSING TO CHECK THE VIDEO CAMERAS ON THE AFOREMENTIONED DATES ; WHAT IS IT BBT BANK THAT YOU DO N'T WANT THE CONSUMER PROTECTION FINANCE BUREAU TO KNOW? WHY ARE YOU AFRAID TO CHECK THE TAPES? WHAT ARE YOU TRYING TO HIDE? OR HAVE YOU ERASED THE TAPES? IS THIS A BBTGATE? THE SAFE DEPOSIT BOX KEYS I HAVE ARE NOT THE ORIGINAL KEYS I WAS GIVEN! AS YOU CAN SEE IT 'S THE SAME ROUTINE XXXX!!! SEE YOU ON MULE KICK NUMBER XXXX!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I have credit cards showing logos either from Visa, XXXX, or XXXX. Within the XXXX Card category there is XXXX card whose processing is done by a third party, XXXX XXXX XXXX, who send out the monthly statement and receive the monthly payment. We have XXXX other XXXX cards whose processing is done by XXXX itself. 

Our card that is processed by XXXX XXXX XXXX has again been the object of attempted fraud. XXXX phoned us to confirm that certain new charges were fraudulent. Since the charges were fraudulent, XXXX said they would cancel the current card and issue a new card and send it to us " overnight. '' I thank them for their vigilance. This latest nuisance gave us reason to pause. 

In reviewing our personal records, we discovered that XXXX has had to issue XXXX replacement cards to us in three years because of attempted fraud ; this last card will be number XXXX ; this year we have had XXXX fraud attempts with XXXX card. 

Our XXXX cards have never been lost or stolen, yet these breeches have continued for three years. The charges were made out of state, at supermarkets, fast food businesses, etc. Our frequency of use of the XXXX other XXXX cards is about the same as the XXXX card ; ditto the Visa XXXX. However, cards processed by XXXX itself, have not been breeched. XXXX XXXX was breeched once several years ago, due to a problem originating at the processing bank. 

Why does XXXX XXXX XXXX not conduct its business in a proactive way, to prevent fraud attempts rather than acting after the fact. Our latest cards, whether bearing the Visa, XXXX, or XXXX logo all have the new " chip '' technology. In my opinion, security has to be improved. The name of XXXX XXXX, on whose behalf XXXX processes the card information, suffers by association. 

Company response: Company chooses not to provide a public response
Consumer complaint: After disputing the information with the credit report agency left me with no response. 

Company response: Company chooses not to provide a public response