AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: URGENT - Hi. I just received a call from Wells, Fargo Home Mortgage yesterday. They told me that they are not going to review us for a loan modification since our mortgage is over {$700000.00} ( they have known the mortgage was {$900000.00} since day one ). They said they are going through with the sheriff sale on XXXX/XXXX/15. This is only 20 days away - we have a farm with horses, cats, etc.!!! This is not fair. They told us they would review our file and get back to us. We have not been treated fairly. 
This is lender abuse. I am XXXX - please investigate. I had sent you a package with all the information back in XXXX. 
On XXXX XXXX, 2015, XXXX XXXX sent us a letter letting us know what she wanted ( the documentation ) needed for a loan modification. She said to send it by XXXX/XXXX/15. 
We submitted all documents in a timely manner on XXXX/XXXX/15. On XXXX/XXXX/15 we received a letter from XXXX XXXX stating that they are reviewing the documentation we sent to them. On XXXX/XXXX/15, we received a letter from XXXX saying that the required information was not yet received (? ), even though they got it and said this in her XXXX/XXXX/15 letter. In addition, the letter on the XXXX did not state what information was still needed. 
On XXXX/XXXX/15 we received another letter from XXXX telling us the sheriff sale would be postponed until XXXX/XXXX/15. We received another letter on XXXX/XXXX/15 stating that XXXX was still reviewing the information ( XXXX ext. XXXX ). 
Then we received XXXX phone calls and letters stating they were reviewing everything. 
Yesterday, out of the blue, we received a phone call from someone else stating they would not do anything because our mortgage was over {$700000.00} and we are going to sheriff sale in 20 days!!!! How can they do this? Our loan has been {$900000.00} from day one!!!! Please help. This is unfair banking practice!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: False Advertisement by XXXX XXXX and GreenSky Trade CreditI was the victim of false advertisement, identity theft and fraud. 

The XXXX card was introduced to me by the store specialist as an alternative payment method with 6 month no interest after selecting materials for remodeling. On the advertisement and card are XXXX logo 's appeared. On the top left the XXXX XXXX logo and the bottom right the XXXX logo. GreenSky name does n't appear on the card nor advertisement but is the financial institution for the loan/card. I attempted to validate mailing address which failed, due to no such address in XXXX, GA.GreenSky is currently under investigation in Florida by a lawyer for fraud. 

On my credit report in XXXX it shows that I 've applied to XXXX companies. I received notification from all XXXX credit bureaus. It appears that these are subsidiary companies, XXXX and XXXX with a credit limit of {$3000.00} for each account as indicated, which caused my score to decreased. I would like a letter refering to the new account activity in the XXXX Credit profile to indicate that these entries were incorrect on the XXXX 2015 credit report. By law my credit report must be reported correctly. XXXX are subsidiary companies of GreenSky. 

I 've contacted both GreenSky and XXXX XXXX for reconciliation each company passes the buck and assume no accountability. Ive requested letters and submitted proof that the subsidiary companies were listed on my credit report. Credit Bureau 's list in real time only. Credit monitoring services allow prior account reviews and archives. XXXX XXXX Senior Credit Specialist and GreenSky Vice President received valid documentation of all XXXX subsidary added under my social security number and failed to provide any complimentary credit monitoring nor letter releasing financial responsibility and report to credit bureau 's of account and subsidiary accounts are closed. Due to fraudelent activity committed by GreenSky. As of today, my credit score dropped by XXXX points and I still have n't received any help. XXXX XXXX was recently undergoing Security breaches and GreenSky is under investigation. I ca n't even have letters drafted with signatures from either company. Ive attached the credit report to validate my claims. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BofA not comply with the Independent Foreclosure Review. They had a third party handle the payments and I would call them every two weeks and get the same response. Checks in the mail. Eventually they would say they had to cancel the check and reissue. This happened for 9 months. In addition, I foreclosed my mortgage in with a Chapter XXXX with the courts and BofA continued to call me for mortgage payments for a year after I had provided my case number and attorneys number to them. The mortgage account remained open and in collection/foreclosure status on my credit report for about 3 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. 

Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. 

We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: LenderLive was acting as loan processor for a loan for me. I refinanced the house and the loan was paid off in XX/XX/XXXX. I expected a check for the $ XXXX in escrow they were holding, but after multiple telephone calls to them at ( XXXX ) XXXX, I still have not received a check. 
The first time I called them, I verified the address they were sending the check to with their representative. The address they had on file was correct. Since then I have spoken with them XXXX times and everytime the reason for me not having the check is different. The last time ( on XXXX XXXX ) I was told they had overnighted the check to me XXXX with it coming back to them as undeliverable. The really strange thing about this is that I received something at the same address ( from them ) XXXX weeks prior. In that conversation, I gave their representative ( XXXX ) my work address and she said I would have a check Friday morning or this morning. Our overnight mail just came in ... no check. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied to Barclays Frontier Mastercard by XX/XX/2015 and was approved. On XX/XX/2015 statement Barclays transfered XXXX miles ( points ) to Frontier Airlines. On XXXX statement Barclays transfered XXXX bonus miles after my spending requirement has met. 
However my account at Frontier Airlines shows no mile was credit. 
I contacted Barclays almost XXXX times by either phone calls and secure messages with XXXX case numbers XXXX, XXXX, XXXX, and XXXX. 
I also had XXXX three way callings between me, Barclays, and Frontier Early Return Specialists, Barclays promised me that my missing XXXX miles will be credit to my Early Return account within XXXX days. They never fulfil their promises. 
As of today XXXX/XXXX/2015, my Frontier account still has no mile in it. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name XXXX, authorized agent for the XXXX XXXX account with AMERCA 'S SERVICING COMPANY act. # XXXX. I had a foreclosure case that was dismissed with prejudice under Rule 12Q for want for fraud. I rescinded my mortgage also pursuant to the Truth in Lending Act and recent US SUPREME COURT unanimous decision upholding TILA. My home was sold about a year ago. XXXX XXXX no longer owns it. This company will not stop harassing me no matter how many times I have communication with them. I have written them numerous times. They call me a minimum 5x's/day. I tell them I only do business in writing. They will not stop calling me. Please make them stop. The debt no longer exists since the mortgage was rescinded and the case was dismissed with prejudice. I do not want a loan modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: ACCOUNT FOR XXXX XXXX HAS BEEN FULLY PAID AND CLOSED SINCE XXXX 2014. 

Company response: Company chooses not to provide a public response
Consumer complaint: US BANK - XXXX XXXX, 2014 DISPUTE AMOUNT XXXXUS BANK XXXX XXXX XXXX, 2014 DISPUTE AMOUNT XXXXTO WHO THIS MAY CONCERN : FUNDS WERE TAKEN OUT OF MY ACCOUNTS. THESE ACCOUNTS WERE SATISFIED. THESE ACCOUNTS ARE IN GOOD STANDING PER BANK BRANCH MANAGER. PLEASE REMOVE THESE NEGATIVE ACCOUNTS OFF MY FILE. OR SIMPLY UPDATE THEM. MY ACCOUNTS WITH US BANK ARE STILL OPEN AND POSITIVE. 

Company response: Company chooses not to provide a public response
Consumer complaint: Homeowner filed a claim with his insurance company for damages to the home. Insurance company issued a check made payable to both the bank ( mortgage holder ) and homeowner to pay the claim. Both homeowner and bank needed to be signed on back of check for endorsement and release. After numerous calls and complaints into the bank they continued to refuse to endorse the insurance check that was sent to be used for home repair. It was later revealed the bank used my insurance funds to satisfy a judgement award in a seperate matter. The damaged home accrued further damage due to the bank 's negligence and reckless handling of not resolving this issue in a timely fashion. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, My ex wife applied for a title loan through Personal Finance Company on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XXXX, on the garnishment order that I received from my employer shows a mailing address of a XXXX XXXX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default? 

Company response: Company chooses not to provide a public response
Consumer complaint: We submitted documentation in an attempt to have our mortgage modified so that we could pull out of the Chapter XXXX Bankruptcy that we are currently in. We have made XXXX regular mortgage payments to the lender as well as XXXX payment to the Bankruptcy Trustee since entering Bankruptcy, and we 're trying to have the mortgage modified. We 've sent all of the financial documentation they 've requested and each time we submit paperwork we 're being told something is missing. We 've made several calls to the company to find out who is working on our request so that we can fax what they 're requesting and then follow up the fax with a phone call, but they refuse to provide us the full name of the person supposedly working on the request, and they refuse to give out that person 's direct extension phone number as well. They will only provide a first name of who is supposedly reviewing our paperwork and a fax number. Then when I request to speak with a supervisor they refuse to provide the supervisor 's name or extension they only transfer you to a voicemail. I do n't feel they are acting in good faith on our request and are engaging in fraudulent lending practices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear CFPB : This matter is INCREDIBLY time sensitive. SunTrust Mortgage is preventing my wife and I from attaining a home loan. They have misreported our credit in XXXX major ways, which is creating a hard-stop from us putting an offer on the home of our dreams. They have been largely unresponsive, have lost documents, refused to cooperate, been outride rude, indolent, slow-moving, and incredibly difficult to reason with. 

Overview of Situation : We obtained a loan from SunTrust Mortgage in XXXX of XXXX. SunTrust thinks we were foreclosed on, when in actuality we completed a successful short sale with them on XXXX XXXX, XXXX. They erroneously reported this transaction to the credit bureaus as a foreclosure and will not remove it. In addition, they reported to the credit bureaus that we have a 90 day late on a mortgage as of XXXX XXXX. This is absurd. We did n't even have a mortgage with them in XXXX. Everything was complete via a short sale in XXXX. We have been renters since XXXX. 

We have provided SunTrust with the information that clearly shows they were in error so that we could obtain a pre-approval letter from our lender and purchase a home to raise our son in. All that we asked for from SunTrust was : 1 ) a letter stating that they did not foreclose on us ; it was a short sale completed with settled deb and that we were never late in XXXX, as we had already sold the home and were renting 2 ) Contact the credit bureaus and re-report this information. 

The below documentation was provided to SunTrust 's loss mitigation department and Mortgage Escalation Group : The HUD-1The short sale settlement and acceptance letter sent to us by SunTrust Mortgage in XXXXThe Grant Died that shows when then transaction was completed and the final dispersement from title that shows the money paid in full to all parties. 
The Closing Statement from escrow that outlines the entire transaction. 

Our credit report that shows the 90 day late that SunTrust reported to the credit bureaus in XXXX of XXXX, when we did not even own a home. 

After countless hours invested in trying to reason with SunTrust 's loss mitigation department and providing them all of the documentation they need to prove that we executed a short sale with them in XXXX, we received a letter in the mail on XXXX XXXX stating that SunTrust had completed its investigation and they are correct ; we are wrong. The matter was even turn over to SunTrust 's " Escalation Group '' to no avail. XXXX in the escalation group conceded that they only had XXXX staff members and were behind. I begged him to look at our case because of the timing issue of putting an offer in on the house. My begging accomplished nothing. 

The lack of information and sensitivity to a very time sensitive home purchase, as a result of SunTrust 's egregious servicing practices, has directly and solely impeded our ability to buy a house. They are like talking to a wall. They have hung us out to dry and we have zero recourse. 

Sincerely and Regretfully, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received this notification and I have no idea who this company is. It states original creditor is XXXX. My last contact with XXXX was XX/XX/XXXX. I was receiving calls from an unknown caller and I blocked the number because of repeated calls. I received a message via voicemail and the caller stated that this call is for XXXX ( which is my name ). When stating his/her name and the name of the company the voice sound was muzzled and incomprehensible. I do n't owe this company and my attempt to notify them in writing ( with return receipt ) will be unsuccessful because they did n't provide me with a physical address - they provided a P.O. Box. Please help me if you can. Thank you in advance and I look forward to hearing from you. 

Sincerely, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing this letter on behalf of my daughter. My daughter had gotten into a financial bind. She is XXXX and has always tried to be independent. Feeling ashamed of her situation, made the decision to seek help from her bank, Wells Fargo, instead of coming to myself for assistance. 
She has attended school part-time for the last two years to be accepted to a XXXX program. We found out in XXXX that a spot had been secured for her at XXXX XXXX University. This is the same school she attended and received a XXXX in XXXX and XXXX XXXX. She is intelligent, hardworking, and motivated. Unfortunately, she is not well educated in the world of finances or banking. I found out about her finances when I was trying to organize a budget for us when she returns to school in XXXX. 
The help that Wells Fargo gave her left her in a position that she would not be able to get out of for the rest of her life. This started when they told her she had to keep a balance of {$1500.00} in her checking account. This would be impossible for her and seems it would be quite evident by her ongoing banking with them. Wells Fargo 's help consisted of a loan at 12.25 %, a personal line of credit at 11.25 %, and a credit card that carries a 17 % on purchases and a 23.99 % on cash advances. The accounts she was signed up for also carry an annual fee of {$25.00}. She makes her minimum payments. The interest being charged every month is more than her payment. I realize she signed these agreements, but did so reluctantly. The person helping her even stated to her that she " looked uncomfortable doing this ''. She had no idea what any of the interest rates meant or of the charges that went along with cash advances. I tried going into the bank with her and was told there was nothing they could do since she signed the agreements already. However, they were willing to run her credit again to see if they could get her yet another loan. 
I went on their website and not even being a customer ( which she has been since it was owned by Wachovia ) ; I can get a credit card with a balance transfer at 0 % interest and accounts that have no annual fee. They advertise all kinds of help for students. I am wondering why she was not offered any of that help. I do n't even know of a bank that does n't offer free checking and savings accounts ( well, now I do ). 
I have now exhausted all my avenues and put my credit in an unsatisfactory light trying to get her out of this mess. She is unable to get any other financial help in terms of loans for school due to the fact her credit is now maxed out. I am appalled and beside myself that a bank would do this to someone. I feel an obligation to let every unsuspecting and unaware individual know that this financial institution is not there to help anyone, but only for their own gain. 

Company response: Company chooses not to provide a public response
Consumer complaint: I implemented a credit freeze with Experian, XXXX and XXXX last year when my personal data was stolen from XXXX XXXX. Experian gave me a XXXX digit PIN to use to unfreeze my credit report but when I tried to use it this morning it was rejected. Experian does NOT provide any means for me to speak with a real, living human being to try and fix this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a short sale back in 2009 which was negotiated not to be reported negative. In fact the agreement was that the accounts be unrated or deleted. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the first mortgage package. Wells Fargo ignored my request for lower payments for XXXX months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the XXXX % down payment needed. In fact, on the guidance of a Wells Fargo 's agent XXXX XXXX, I put XXXX % down even though I had close to XXXX % in the bank. At the time a XXXX % down payment was considered sufficient and they now finance regular mortgages with XXXX % down, so their claim that I had insufficient down payment was false. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who is a victim of this mortgage scam. Something needs to be done to help us. 

Company response: Company chooses not to provide a public response