AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Every thing that should have been removed was n't. 

Company response: Company chooses not to provide a public response
Consumer complaint: Starting in XX/XX/XXXX I was a recipient of Citibank CitiAssist loans for my education at XXXX XXXX College in XXXX. In order for a Co-Signer to be released from my loans according to Citibank Policy, I needed to make on time payments for the first 48 months of my repayment plan. The first 48 months began when I was one year out of school. At that time I was just beginning my career and making an entry level salary. There was no way I could possibly make a {$600.00} per month payment as I had rent, bills and other federal student loans. Citibank was unwilling to work with me to lower these payments. This policy offers new graduates no chance of releasing their co-signer who could in turn assist in the refinancing of of these loans from a 3rd party. This practice keeps loan recipients in a hole of debt that is impossible to work out of independently. It is a poor and predatory policy. 

I submitted a request to release my cosigner which was denied several times. On XXXX/XXXX/XXXX I faxed a dispute and CC 'd The CFPB. I received a letter yesterday XXXX/XXXX/XXXX denying my request to release my co signer based on the 48 month policy stated above. This letter is attached. 

Also attached is my payment history. You will see that since XX/XX/XXXX I have been making full and on time payments ( with the rare and extreme exception of a 2 day delay ). You will also see I have made small additional payments towards my principal when possible. 

Base on my PROVEN ability to make my monthly payments, I want my cosigner released from all loans with citibank. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex-husband used our joint credit card without my permission or knowledge during the period of late XXXX XXXX through XXXX. I have repeatedly attempted to get Well 's Fargo Financial Cards to send me a copy of the itemized charges for my upcoming court case with my ex-husband. I have supplied them with my social security number, address, date of birth, security questions. However, my ex-husband reset the credit card with a PIN that I do not know. The credit card has been cancelled and is now in collections. I am attempting to get this resolved and have taken him to court over the credit card. I had a court date scheduled which was re-scheduled and I was instructed to obtain the itemized charges prior to my next court date of XXXX XXXX, XXXX. Well 's Fargo Financial Cards will not send this to me because I do not know the password PIN. Due to him resetting I can not possible provide this. Well 's Fargo is attempting to collect the debt from me because I am the primary cardholder. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a purchase on my XXXX credit card of {$2700.00} XXXX dollars. At the time this would exchange at {$2000.00}. Going through PayPal I was charged 2-1/2 percent ( {$53.00} ) -- - {$2100.00} -- -which is almost XXXX times the bank card rate.When I complained to PayPal they said that I had agreed to this in some general consumer contract and that I could not choose to have the XXXX dollars be charged directly to my card. There was no mention of this excessive charge in the Pay Pal transaction. The Information is well-buried in the consumer agreement so I could not avoid the charge. I feel that this is an abusive and deceptive practice 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In a nutshell, I had a XXXX bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. *SEE ATTACHED LETTER dated XXXX/XXXX/2013 XXXX. I paid them, per their terms, and received confirmation of acct. 
was settled. Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms, but are reporting : " charge off '', no mention of any settlement, and " settled for les than full balance ''. THIS IS NOT THE SAME THINGAS THE XXXX WORDS I WAS PROMISED- " SETTLE IN FULL ''. I did nonot agree to " settled in full, for less than full amount '', or any similar term. 
I called XXXX about this last week, and was told they have nothing to do with how the XXXX CRA 's report on this. This was a bold lie, as XXXXwould be the one to give the information out to TransunionXXXX. 
to release the information concerning payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the " In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is falsely reporting to credit agencies that XXXX accounts I had with them were discharged in a Chapter XXXX bankruptcy. They were instead included in a wage earner ( Chapter XXXX plan ). The notation of Chapter XXXX is negatively impacting a mortgage application I have pending because while it is permissible to obtain a mortgage with a Chapter XXXX it is not with a Chapter XXXX. This is a clear violation of the Fair Credit Reporting Act. These are the improperly reported accounts as they appear on my XXXX credit report : Bank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit {$3000.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a home XX/XX/XXXX. Leading up to the process XX/XX/XXXX I talked to a few lenders. I work in XXXX and am very familiar with the mortgage/home buying process. I was interested in a conventional XXXX fixed mortgage for which I would make a 5 % down payment. I selected Wells Fargo. 
Because of my down payment amount, I knew I would be subject to private mortgage insurance ( PMI ). I was always told by the mortgage banker at Wells Fargo that after XXXX years I would be able to eliminate mortgage insurance if I could show that I had at least 20 % equity ( Loan-to-value ratio of 80 % or lower ). 
XXXX years elapsed and I went to get an appraisal. Wells Fargo then notified me that I would need to have 25 % XXXX. When I asked why it was not 20 % as had been told to me before and during loan closing, they said that it had changed to 25 % because of the pool of mortgage backed securities the loan was sold to. 
Of course I then called Wells Fargo to ask what was stated regarding PMI in my loan agreement. They said that the ability to eliminate PMI based on increased market value was not in writing, since it could change post-closing. I think it was inappropriate that this fact was not disclosed to me at any point during the mortgage process. 
While I understand that as part of the mortgage process I consented to the resale of my loan post closing, I think it is inappropriate that I was negatively affected economically because of the party that Wells Fargo had decided to sell my loan to. My mortgage insurance was {$250.00} per month and I was always told that if market values increased I would be able to get the PMI removed after 24 months and having reached 20 % equity. If the fact that it could change without my consent had been disclosed I would have sought a lender that would have maintained the requirement of 20 % equity for early PMI removal. I spoke to my XXXX and he had never heard of the 20 % equity requirement changing to 25 % equity post closing of the loan. 
My loan balance when I got the appraisal was approximately {$300000.00} and the appraised value was {$410000.00} XXXX I had 24.6 % equity ). I was required to make a paydown of {$1800.00} on my loan. While I was able to remove PMI with a paydown I could afford - I know this might be happening to other Wells Fargo clients and I think they should receive compensation if a loan resale decision affects them economically. 

Company response: Company chooses not to provide a public response
Consumer complaint: I APPLIED FOR A LOAN MODIFICATION ON MY INVESTMENT PROPERTY OWNED BY XXXX XXXX. I WAS DENIED BECAUSE " YOU DO NOT LIVE IN THE PROPERTY AS YOUR PRIMARY RESIDENCE ''. XXXX XXXX OFFERS LOAN MODIFICATIONS FOR NON-OWNER OCCUPIED PROPERTIES. ADDITIONALLY, I HAVE BEEN LATE EVERY MONTH IN MAKING MY PAYMENTS BECAUSE I CA N'T KEEP UP BUT AM TRYING MY BEST NOT TO GET FORECLOSED ON. 
Mortgage and Borrower EligibilityEligible Property TypesThe following property types are eligible for the Standard Modification : Owner- or nonowner-occupied properties. ( i.e., primary residences, investment properties, or second homes ). 
Vacant properties, but can not be condemned. 
Eligible MortgagesThe following mortgages are eligible for the Standard Modification : XXXX-lien mortgages owned, guaranteed, or securitized by XXXX XXXX. 
Mortgages originated at least 12 months prior to the evaluation date for the modification. 
Mortgages may be previously modified, but not more than twice. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank has had XXXX my sellers files under review for short sale approval for the XXXX time since XXXX. The file was completed and sent to a negotiator for a new BPO to be ordered and a new value to be placed on the property. I notified the bank several different times regarding the condition of the property. There was a break in about a year ago and all of the plumbing, electrical has been removed from the home.. US Bank filed an insurance claim against the property for the damage done, but never did fix anything. I was notified by my new negotiator that the BPO was in. That was strange due to the lock box never being opened since XXXX of this year. I asked when the BPO agent was there and he said the XXXX week XX/XX/XXXX. I told him about the condition of the property and he told me the BPO did not have any of this info on it and the pictures that they had also did not indicate the CURRENT condition of the property. I was told by this negotiator that he was just going to close out my file since the BPO and insurance claim were not on file for him to see and our offer was not meeting their VALUES. I told him that I was going to dispute this value and the validity of the BPO. the pictures they have on file are supposed to be from this XX/XX/XXXX, which is impossible since no one has accessed our key box XX/XX/XXXX. There is apparently FRAUD going on here because the negotiator will not investigate this discrepancy or find out why the BPO agent stated this was a recent value. I sent the negotiator the inspection report along with color pictures. bids to repair this work along with the buyers counter offer XXXX. The new assessors value for taxes show the value to be about XXXX which is FAR less than the XXXX value that they have place on it under a BOGUS valuation. This is fraud! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian is falsely reporting that I filed a Chapter XXXX bankruptcy and obstinately refusing to delete XXXX accounts from Bank of America that they are wrongfully reporting as discharged in a Chapter XXXX bankruptcy. This is damaging a mortgage application I have pending. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XXXX XXXX ( after Chapter XXXX Discharge Date ) I have been disputing numerous errors on my credit file. It has been over the XXXX days for all disputes and though I have supplied evidence to counter the Furnisher 's response. These items have not been corrected on my file. For Example:1 ) XXXX XXXX was closed as a charge off and sold to a XXXX party prior to my bankruptcy filing in XXXX. They illegally reaged the date and added additional late payments to negatively affect my credit in XXXX, XXXX, and up to my filing date XX/XX/XXXX. This is ILLEGAL. 
2 ) XXXX XXXX they added late payments after the filing date XXXX/XXXX/XXXX3 ) XXXX - Payments were erroneously posted and Accounts were discharged - Chptr XXXX no late payments XXXX. 
4 ) XXXX - No late payments in XXXX under FHA - HAMP Modification trial period and payments were made on time. Ask them to remove the delinquencies from your credit report because you were making payments on time, but they show up as late because of the way your bank applies trial period payments for loan modifications. This needs to be corrected. 
To get back at my complaints against them Experian went ahead and changed the status and payment history on accounts that were Closed, Paid As Agreed and In Good Standing to INCLUDED IN BANKRUPTCY - negatively affecting my credit score intentionally. I have sent them the documentation once again via certified mail and they should have it by XXXX/XXXX/XXXX. 
The accounts in GOOD STANDING ( Closed Paid As agreed, prior to filing chapter XXXX ) and removed by EXPERIAN are listed below. 
1 ) XXXX # XXXX - Closed Paid In Full - No Lates - Not Included in Bankruptcy 2 ) XXXX XXXX XXXX # XXXX All History of payments removed. 
3 ) XXXX XXXX XXXX # XXXX - Closed Account - Filing Date for Chapter XXXX XXXX/XXXX/XXXX. No late payments while Bankruptcy Stay4 ) XXXX - XXXX - Paid as Agreed, Closed, No Lates. Not Included in Bankruptcy5 ) XXXX XXXX XXXX XXXX - XXXX -- Paid as Agreed -Experian removed all good payment history. Not In Bankruptcy6 ) XXXX XXXX XXXX XXXX - Loan Paid As Agreed Closed - Experian removed history and Included in Bankruptcy when it was closed and paid in full prior to filing. 
7 ) XXXX XXXX # XXXX - Paid in Full As Agreed and CLosed prior to Chapter XXXX. Not Included in Bankruptcy. All good credit history was removed. 
Experian appears to have intentionally done this to my credit file due to complaints filed with the CFPB. They have failed time and time again to correct my credit file and have blocked my access to dispute credit report online. I want all my ACCOUNTS IN GOOD STANDING reinstated and any negative reporting errors that have been disputed that they have failed to appropiately verify have these corrected and if the negative item was reported incorrectly then deleted and blocked from reappearing on my credit file as per my rights under the FCRA. This is ridiculous. See other complaints against this company that is violating my rights under the FCRA. I will attach the Credit files as evidence. Thank you. See : XXXX & XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a mortgage serviced by Green Tree. In XXXX of this year 2015 It became apparent that my business could no longer sustain my salary. Therefore I elected to go and get another job and put my salary back into the business. I continued making XXXX payment a month but in XXXX I could no longer do this I was only working part time and was looking for a full time job. I called Green Tree explained to them that we had already done a modification and could we do another. I was told it did not matter that we had already done a modification fill out the application submit all paperwork. That is what I did. I faxed in everything. In XXXX I was told we did not qualify because we were missing information XXXX XXXX explained to me I needed to send in back statements and profit and loss from my business. I did. The account was then assigned to XXXX XXXX ext XXXX again I received a letter stating that Green tree needed more information and we missing information our XXXX income pay stubs. I faxed in pay stubs.. In XXXX I called talked to XXXX again our circumstances at my business had changed we had taken on a partner and I would be returning making a salary. XXXX advised me to fill out the application again and send in a letter. I did so. Again, we received a letter stating the modification could not be done due to not turning in information. Each time I received a letter or request I faxed in the required paperwork. After receiving this I called Green Tree and asked for someone in the Loss mitigation department. I spoke to XXXX ext XXXX. XXXX advised me that we were not eligible for a modification since we had XXXX. In 5 months NOT ONE PERSON ADVISED ME OF THIS. XXXX ALSO EXPLAINED THAT WE HAD BEEN SENT THE WRONG LETTER EXPLAINING WHY GREEN TREE COULD NOT DO THE MODIFICATION. I ASKED GREEN TREE TO SIMPLY REINSTATE THE MODIFICATION AND WE WOULD BEGIN MAKING MORTGAGE PAYMENTS. DURING THIS ENTIRE TIME I WAS TOLD I COULD NOT MAKE A PAYMENT. HELP WE DO NOT WANT TO LOSE OUR HOME. XXXX AND XXXX XXXX XXXX LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We purchased a Subaru SVX XXXX XXXX : XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015 in the amount of {$1500.00}. After standing in line for 4+ hrs. XXXX we were told that the title has a Lien on it from Citibank NA. After numerous calls XXXX she has since blocked our number. I called Citibank who referred me to XXXX XXXX XXXX as well as XXXX both of which of been unsuccessful. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage for my residence in XXXX, NH which has been sold XXXX times now. The mortgage is currently held by the servicing company, Stearns Lending, XXXX XXXX, VA. The terms of my original loan were that no escrow account was required for either property taxes or property insurance. I have paid on time since the inception of the loan my mortgage, my taxes, and my insurance. All are current and up to date with no late payments. My loan was taken over by Stearns approximately 10 -12 months ago. During that period, no escrow was applied to my account. Stearns is in possession of my current property insurance coverages as well as the fact that I pay my insurance company directly. Two weeks ago I received a letter from Stearns stating that I owed them {$920.00} and that they were creating an escrow account for insurance and increasing my monthly mortgage rate by {$76.00} to make the escrow account. I pay XXXX directly for both my home and car insurance and it is up to date with no late payments. Stearns creation of this escrow account is in direct violation of the terms of my original mortgage. I do not want an escrow account and do not understand why I am being required to do so. I have contacted Stearns on numerous occasions and have received little to no appropriate response. I keep being sent back and forth between customer service, escrow, and insurance departments but apparently no one there seems to be able to correct the problem. It would be greatly appreciated if someone from your office could contact Stearns on my behalf. Thank you very much 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently had a recent installment loan with XXXX XXXX XXXX. I defaulted and agreed to pay down the loan by XXXX a month. In which the company agreed. After doing so for the past 3 months I received a call from someone at XXXX ; advising me that I am being sued and soon to be prosecuted for writing a bad check. I asked what is this regarding and they advised me to speak to Solidus group at XXXX. I Then called, and I was advised the same thing that I am being sued and if soon to be prosecuted criminally for writing a bad check, I advise the gentlemen XXXX XXXX with Solidus group I never wrote a bad check to XXXX ; I changed my checking account info due to the recent XXXX. Credit and checking acct Hack ; and that I have been in a payment agreement with XXXX for the past 3 months so I am unsure as to why you are threatening me. I advised them that I am in a financial hardship due to paying my grandmother medical bills and I am only able to pay the XXXX in which XXXX agreed to ; I was told that payment arrangement is not acceptable and we are going to prosecute you civil and criminally.I continued to ask repeatedly during the conversation is this a collection agency and the gentlemen refused to answer the question. PLEASE HELP. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I entered into a law suit with XXXX XXXX XXXX in XXXX and it was finally settled in XXXX XXXX. During that time the XXXX Court in Georgia ruld that I would make all my monthly payments to the court clerk 's office and not to XXXX. I made XXXX on-time payments and they still appear as late on my credit report.The agreement states they had to rescind the foreclosure and it still appears as a foreclose. For the past 6 weeks I have been trying to get XXXX to resolve it and I keep getting the run around I have documented that the payments were on time.If they had not been made the case could have been thrown out, I just want it reported accurately. They had 7 months to update the credit accurately and they have not updated anything. The court ruled they would receive my payments at settlement and they received the payments XX/XX/XXXX. XXXX now need to report it accurately as well as remove the foreclose. Every time I call I get a different story they told me the agreement does n't state they have to do credit repair but should n't they have to be accurate for a change? They are still looking into it! I was told I would get a call back yesterday, I did not when I called they said the person was out unexpectedly. It is always some reason. I just called again and got nowhere! 

I have attached the emails between the attorneys discussing this issue before the agreement was approved by the court and a few of my my payment receipts from the court. We signed the agreement XX/XX/XXXX, they got there money the same day and then it took 5 months to complete there side of the agreement. XXXX is an awful company!! 

Company response: Company chooses not to provide a public response