AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Flagstar Bank has violated the terms of the settlement with CFPB. I have not been turned over to another servicer. I have an FHA mortgage with Flagstar, and tried to get a DEED IN LIEU and FHA moving expenses approved, but Flagstar ignored my request repeatedly. We winded up moving out of the home and into an apartment for one year. Because of the refusal to advise and/or work with us, I filed a Chapter XXXX Bankruptcy. Home was discharged XXXX of XXXX. Flagstar Bank kept sending the normal letters of " HOW TO SAVE YOUR HOME FROM FORECLOSURE '' - with no mention of the discharge or anything. Finally - I have been given 90 days to pay the loan proceeds that are in default of {$480000.00}. Meanwhile the house is underwater and already discharged. 
I believe Flagstar Bank is going to recoup their " losses '' from FHA - since it 's an FHA loan. Flagstar Bank has also been the XXXX paying the taxes and insurance on the home as well. The entire 987 days I have been in default - Flagstar Bank has been paying the taxes and insurance. But completely IGNORED the Deed in Lieu - telling me over and over again ( falsely ) that my submissions were incomplete. Making me do a complete Financial overview process instead of accepting my Deed in Lieu offer. 
They have not started foreclosure as of yet - I only have a letter that I am at risk of losing home and to pay XXXX by XXXX XXXX XXXX to clear the default. I believe because I have an FHA mortgage, they know that any default they will be reimbursed by FHA. I also have a XXXX mortgage and Deed, with " XXXX '' listed as the investor. 

Company response: Company chooses not to provide a public response
Consumer complaint: Capital Management Services called my home and left a message that I needed to call them back about a debt that was in collections. I have no such debts, so I called them back and told them that I know that I do n't owe money and that they had no business calling me. They then asked whether I knew a " Supplied Name. '' I told them that it is illegal to call XXXX party about another party 's debt and that I would be lodging a formal complaint with the CFPB. The woman got snippy with me but said they would remove my information. I wish to make absolutely certain that that happens as I do n't trust these louts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: several years ago I was victim in a car accident in which i had XXXX. However, the Lawyers that I had working on my case had conducted a sham job, from one day to the next the medical bills were not paid and and bill increased i had went to therapy and was getting charged for thing that were not performed, per the the Law firm and the attorney on the case stated they were paid. Once I revealed what they were doing on my case, the lawyer secretly summons a petition to have them removed from the case these bills were intended to be paid as the lawyers stated they were 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We received a notice in the mail from Complete Payment Recovery Services , Inc. of XXXX, AL demanding payment for a returned check # XXXX for {$460.00}. The notice was addressed to " XXXX XXXX. XXXX XXXX. '' We are now receiving frequent recorded massages on our landline phone demanding immediate payment. That is not the name of our company. We are a husband and wife marketing firm with no employees and do not issue payroll checks. Nor do we show in our records any check numbered XXXX for {$460.00}. We called the number provided on the notice ( XXXX XXXX XXXX ) after talking by phone with a representative at the Consumer Finance office. The person we were finally able to get ahold of at Complete Payment Recovery Services , Inc. was very rude and kept trying to get more information from us, saying she needed more information about our company in order to answer any question we had. We did n't give her the information she was requesting. ( Example : full names, name of company, etc. ). We explained we were going to file a complaint with Consumer Finance and hung up. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has failed to modify my second loan under the MP2 program. Specifically they have provided false information and refuse to identify a monthly payment -- I do not believe this program mirrors my first loan. While WF has told me they would be sending the correct information, they have not. Instead I received a call from a XXXX XXXX stating that the loan was going to be canceled since I would n't agree to their terms. How can I agree to terms that have not been identified is beyond me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I pulled my credit report and found some questionable items which I disputed. Experian investigated these items and much to my surprise when I ran a report on XXXX, they inserted accounts that were n't on my report from XXXX XXXX. These were frivolous accounts from XXXX XXXX XXXX, that were closed back in 2011, which I had disputed before and removed. However, now Experian has illictly put them back on my credit report and they did not even serve me notice of re-insertion as required by the Fair Credit Reporting Act. 
When I disputed these accounts in XXXX with Experian, arguing that they can not re-insert accounts without serving me notice, they ignored my request and kept these accounts on my credit report. 
The accounts are listed under the following account # XXXX ... XXXX ... XXXX & XXXX. 
I have attached the before and after reports from Experian from XXXX and XXXX, that show the re-inserting of accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with CitiMortgage. They went up on my mortgage to the point that it was almost impossible to pay. I asked for a loan modification and they asked me to stop making my payments for 90 days. I did everything that they asked me to do. while I was doing what they asked they were behind my back the whole while trying to foreclose on my home. This has been going on for a while. They continued to ask me to send them the same papers over and over again. I send them the papers and the process just goes on and on with the same results. This is a conspiracy. PLEASE HLEP ME!! They are stealing my home from me. Many of my payments were not reported and Escrow money was stolen 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX credit reporting agency 's or fax and the other main XXXX have my credit for only two or three years. That 's a lie! My XXXX XXXX card alone I have had for 40 years this makes my reporting on the time of credit shows only two or three years a lie! Both XXXX and Trans Union show my age of credit as two or three years! I want this changed! XXXX agency shows XXXX hard credit inquiries and the other shows only XXXX. I have not allowed XXXX companies to do a hard credit report on me, so if they are there it is False filing! 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX, and at the age of XXXX ( currently XXXX years old ) i was in need of a car and had no credit. I knew it was n't gon na be easy. I soon ran across Drive Time a popular used car dealership, as i was looking at the car, i pointed out a XX/XX/XXXX XXXX XXXX XXXX, not even fully loaded remember this is XX/XX/XXXX, i thought it would be the cheapest giving it had XXXX miles and 12 years old. 

As i was sitting down filling out the paper work etc, they said i would only have to put XXXX $ down, and bam! the agent said its that easy. They ended up charging me XXXX $ for the vehicle a XX/XX/XXXX XXXX XXXX, and they had a guy go over the contract so fast it was crazy he kept skipping like XXXX pages saying, you do n't have to look at those pages. 
They financed the car at around 28.6 APR along with a hefty finance fee, i had had no idea what simple interest was, they threw in all these warranty 's and perks that added to the price they did n't ask if u wanted them just said you could opt out if you wanted too. 
I ended up with a price of like over XXXX $ and i am gon na end up paying XXXX $ for a XX/XX/XXXX XXXX XXXX. I feel like this is unfair and would just at least like to have the option of refinancing or a lower price i understand i signed the contract and everything i just wan na pay a fair price, Thank you for looking. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX lien showing up on the Title to my home that I need subordinated in order to qualify for a rate & term refinance. I am trying to pay off my 2nd mortgage which was taken out when I purchased the property, and fix my adjustable rate on my primary mortgage. Both of my current mortgages were taken out at the time of purchase, in XXXX of 2005. This XXXX lien from Sovereign bank needs to be subordinated, and it benefits them to subordinate it. I have made all payments on it in a timely manner, and by subordinating the lien Sovereign moves into a 2nd lien position, & the transaction will provide me with less monthly overhead, freeing up money to ensure that I continue making the payments for the Sovereign lien ... Sovereign refuses to subordinate this 3rd lien and will not provide an explanation as to why ... It is advantageous for them to do so, and makes sense for all parties. I need to do this refi, and in order to make it happen I need them to agree to subordinate ... 

Company response: Company chooses not to provide a public response
Consumer complaint: We found on our credit report and called. We talked to XXXX and she explained if we would pay she would have it removed from our credit. Once we paid we received a letter and it stated that they where paid and settled. They where not removed. We called her back and she would not honor what she had said. We told her we were going to report her and she did not care. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXPlease also refer to CFPB complaint Filed XXXX/XXXX/2015 - Case # XXXX - docs attached. 

Short Sale was faxed to SPS on XXXX/XXXX/2015. 
On XXXX/XXXX/2015 we had to file a CFPB because SPS never offered the homeowner any alternatives to foreclosure, and was refusing to entertain the possibility of a short sale - which is a violation of the California 's Home Owners Bill of Rights. 

They have since postponed the foreclosure and claim to be working on the short sale. SPS obviously uses the term 'working ' lightly .... 

XX/XX/XXXX We received a counter offer from SPS. 
XX/XX/XXXX We submitted the buyers response to SPS. 
XX/XX/XXXX SPS requested a line item on the HUD to be removed. 
XX/XX/XXXX ( SAME DAY ) We submitted the HUD with the requested correction. 
XX/XX/XXXX SPS said the HUD was received and uploaded to their system on XX/XX/XXXX. 
XX/XX/XXXX Today we spoke with XXXX XXXX at SPS. XXXX claims that they have 30 days from the time the last document was received to get an answer. XXXX says it will take that long to get a response on our counter as it has to go through " full short sale review ''. We told her it does not, by the time they issue us a counter offer they have already preformed the borrower eligibility review and the value review on the property and they know what they want to net. We told her they are outside of federally mandated timeframe and will be happy to file a CFPB complaint to get them fined and request it to move along at a more reasonable pace. She THEN claimed that they take five business days to review any document. We told her that today it has been five days, as according to SPS in the phone call on XX/XX/XXXX, the document was uploaded on XX/XX/XXXX She THEN claimed it was not uploaded until XX/XX/XXXX. 

It is obvious SPS fully intends to drag this out for 30 days. SPS has continually lied on this file and to the homeowner - This is also likely a violation of the Fair Debt Collection Act. This reinforces our comments on our original complaint - Case # XXXX. We find it disingenuous that the ombudsman would make the claims they made on the previous complaint, in light of these continued lies. 

It is also quite obvious that SPS has become an illegal foreclosure mill and has trained their staff in the art of lies and deceit. ****I find odd that when cornered, the employees of SPS change the date in which docs were received and uploaded into their system. **** I also find it odd that they can restart the short sale process whenever they request a change to any document or receive any new document -even if it is only a simple spelling change to an Estimated HUD . 

Is this being done to defraud their servicer? The community? The borrower? Or all of the above? 

After viewing the CFPB 's own website and the internet, it is obvious that this is happening to others thousands of times per month. Should n't the CFPB step in and stop this as per their mandate? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX several occasion I have contacted TransUnion LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX XXXX XXXX credit cards, XXXX XXXX bank XXXX credit card, XXXX XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are 100 percent accurate, TransUnion still reports these negative information on my credit report. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that TransUnion is stating that allege debt has been verified. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent numerous letters by certified mail to this company requesting validation of this debt. They have ignored every single one of them. I have never received a response to date with any of the information I requested in my correspondence. It is my right to have this debt validated snd they refuse 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has an established policy of charging {$100.00} for a legal order. That includes any request from an authorized agency to debit, freeze, withhold, or otherwise place a limit on an account. I know about this policy and I know I agreed to it. I still think it 's outrageous and excessive. 

I was recently charged {$100.00} because the State of California requested a debit on my account for {$100.00} for state taxes owed. Whether I owe this amount or not is not Bank of America 's concern, and I certainly expect the bank to respond appropriately to authorized agency requests. What I have a problem with is the {$100.00} fee. That {$100.00} has nothing to do with the State of California ; it 's purely the bank 's policy. It 's ridiculous for the bank to charge {$100.00} when it 's almost certain that no human being had any part in processing the State of California 's request. It 's substantially more offensive than the {$35.00} fee they charge for insufficient funds ( which again, no human being had any part in processing ). At least for insufficient funds the bank has a legitimate problem with the customer. But the {$100.00} legal fee? Bank customers are basically being charged for a few milliseconds of computer time. If the account has the funds to fulfill the agency request, why is the bank charging a fee? What is it for? Just an extra opportunity to really stick it to the customer? 

I called the bank and their representative said that there was nothing he could do about the fee, since it was in compliance with bank policy. Yes, it 's bank policy. I get that. I 'm not stupid. But I can promise Bank of America this : I will absolutely file a complaint every time the bank charges me a disproportionate fee for a service that essentially costs them nothing. I will file a complaint every time the bank charges me a fee that clearly impacts low-income individuals disproportionately more than high income individuals. I will not choose the " tell a story '' option. I will file a complaint. At least then the bank will be obligated to have a human being personally respond and mail me some dead tree correspondence, and I 'll get my money 's worth for all the fees they charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with TransUnion. TransUnion has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked TransUnion to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and TransUnion have failed to provide me proof that I authorized these inquires. TranUnion has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. I have sent Transunion multiple written request with documentation showing I did not authorize these companies to pull or view my credit. 

XXXX XXXX - XXXX XXXX, XXXX - XX/XX/XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Chexsystem continues to report information on my Consumer Report after being notified its a result of ID theft and in violation of my request to block that information under FCRA Section 605B and 623 ( a ) ( 6 ). They responded that it was validated but how can an account that is NOT MINE and a result of ID Theft be validated????? I have never had a bank account in my entire life and use a payroll card for all my bills and finances. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up with XXXX. While looking up my credit report, I noticed a {$50.00} Collection notice. I called the number on the collection agency, CALIFORNIA BUSINESS BU XXXX XXXX XXXX XXXX, and spoke with the front desk. I asked to speak with someone, a supervisor in fact. Then I was forwarded to leaving a voice message to manager - XXXX XXXX. A direct transfer to his answer machine. ( It was in my intention to communicate with a living person, not leaving messages ). After a few more attempt calls to speak with a live responder - that where in fact continuously being transferred to XXXX or XXXX XXXX voice message - I 'm confident that I left XXXX messages on XXXX XXXX answer machine. Again, on another attempt I was passed to manager XXXX XXXX. She warned me that if I called again that office asking to speak with someone else, she would report me to the Police Department for harassing. I felt a threat in that comment and whished to speak with another manager or other to clarify the issue present. At that point, I had made several calls that most where being ignored or transferred to message, or inbox that required a passcode. And as it appears, the clerks refused to answer my calls or where annoyed by me attempting to communicate. 

Manager XXXX XXXX XXXX was not in the office, but Manager XXXX XXXX was. 
I felt I needed to deal with my present issue - Police Warning about calling and my case. 
I did attempt to speak with a live person other than XXXX XXXX. 
I was informed that Mr.Clark ( identified as both manager and vice president ) was the best solution - also, I was not informed at that moment that he was not in the office for the day. 

XXXX XXXX, who after an hour did appear in the office. After my introduction he responded by informing me that any more calls to his Collection office would be responded with a call to my employer office and my supervisor. 

In all this attempts, I was never really able to deal with this 3 year old collection case. Their responses where sudden, warnings and threats. either call the police department, ignore the phone, transfer to voicemail, or warning of calling my office supervisor. 

I did leave a message informing XXXX XXXX XXXX that I did not accept them calling my office or neither did my supervisors want a collection office calling them. I work for XXXX. 

After XXXX XXXX warning about reporting me to thePolice on harassing, and XXXX XXXX threat of calling my employer to complain on me, and more, XXXX not being in the office, I felt I needed to make this report and obtain advice from the FTC/Consumer Finance. 

I was attempting to clear information on my case but all that appear where threats and warnings. I hope that phone records are optional and voice mail. Also, I hope that our conversations ( attempted ) where recorded by the collection company. 

I am making a complaint on the collection company threats and refusals. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made my mortgage payment as usual on XXXX/XXXX/2015, submitting a request from my bank 's bill payer service, as usual. I then got a statement XXXX that my payment was late, due on the XXXX of the month, late 10 days later. I researched the transaction at my bank and confirmed the payment was sent by ACH wire on time. According to XXXX ( the owner of my loan ) they are no longer doing business with the loan servicing company, LoanCare Services, and my payment should have been sent directly to XXXX. So I contacted LoanCare Services and asked them to research where my money went, if not to XXXX, and not returned to my bank. Their Customer Service people said it was returned to my bank on XX/XX/XXXX. I checked with my bank again, no funds received from LoanCare Services. I called LoanCare Services again. Same story, no details of the return transaction are available, no check number, no ACH transaction number, nothing. Very suspicious of LoanCare Services. 

Company response: Company chooses not to provide a public response