AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XX/XX/XXXX, XXXX XXXX sent letter advising that Shellpoint Mortgage Servicing would be handling my mortgage payments starting with the XXXX XXXX payment. 
My first contact from Shellpoint was via mail on XXXX XXXX. It was my XX/XX/XXXX statement, stating that my XX/XX/XXXX payment was overdue. With enough information to make a payment, on the first business day that my bank was open, XX/XX/XXXX, I went and set up online bill pay to Shellpoint, which was supposed to land on XX/XX/XXXX. I was just squeeking by to make the on time payment. 
My next contact from Shellpoint arrived on XX/XX/XXXX. It was a welcome to Shellpoint letter dated XX/XX/XXXX, along with the XX/XX/XXXX mtg bill! This seems calculated to put the mortgage holder in a delinquent position. 
I have written a " qualified written request '' letter to Shellpoint, referencing Section 6 under the RESPA, but want to advise government agencies of the poor practices that could result in other mortgage holders being considered delinquent. 
Regards, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is an address I have never lived at XXXX XXXX XXXX XXXX XXXX AZ XXXXI have never stepped foot in the state of Arizona. Yet it was listed as an address of residency on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: hello i am a college student that started my own business to help pay for my education i opened an account with suntrust bank which was the biggest mistake i ever made they have hit me with so many overdraft fees that are not legit when i spoke with a rep she promised me it will be removed they still are showing that i owe it and no one would help my account number is XXXX it has been a nightmare with this bank all i want is to clear this matter out and get away from them i have my account with XXXX XXXX XXXX nothing like this ever happens 

Company response: Company chooses not to provide a public response
Consumer complaint: In reviewing my credit score online, I discovered a XXXX XXXX XXXX account that is not mine associated with my profile and a name and address that is also not mine associated with my profile. It seems as though someone else 's information has been associated with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I reached out to Action Collection Agency to resolve a debt on an old medical bill when I did n't have insurance for the amount {$790.00}. 

I have been working with a mortgage company to be qualified for a house that my wife and I have been looking at to be conditionally approved with a favorable rate the mortgage company requested the negative trade line be deleted to give me the credit score bump to cross that thresh hold to qualify. 

On a recorded line with Action Collection Agency we made an agreement that if I paid in full that the tradeline would be deleted. The women I spoke to asked her manager and she agreed to delete. The mortgage company faxed over a letter confirming what they told me. 

I waited a few days and the mortgage company called and gave me the bad news. I was not approved at a reasonable rate. 
The account was updated to " Paid Collection ''. 
1. This is not was what agreed upon with ACA. It was clear that it was to be deleted. 
2. " Paid collection '' stays on your credit file for 7.5 years barring me from a reasonable mortgage until that time. 

This had been a huge disappointment for me and my wife. We essentially had to turn down the mortgage offer on a house that we had fallen on love with after a several month process. I am a man of my word and I expect ACA to act with integrity and right this wrong. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: FOCUS RECEIVABLES MANAGEXXXX XXXX PK XXXX, XXXXXXXXThis company listed above has reported a false claim on my credit report with XXXX stating I owe them {$200.00} from an account opened in XXXX 2014. I have called XXXX XXXX XXXX XXXX inquiring about this debt and they do not have any information regarding it. 

I have tried contact this so called company, and can not get any representative on the phone. They have not sent me any letters either informing me of this so called debt I owe. This is impacting my credit score and report and need it removed ASAP! I need to speak with someone regarding this immediately. 

To my understanding I am not the first person this collection agency has falsely accused of owing money to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: helloi went to XXXX school in XXXX fl. I took out a sallie mae loan so i can afford it. I called them today to find out how i could pay down my principle, but they said that all extra money goes to future interest. Im struggling to afford the payments and i feel like a serf from the high middle ages. My complaint is that paying on principle is not an option, i feel like this should be illigal. After all they say they are committed to help me dream, invest and succeed. Or is that just for their shareholders. thank you 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I do not have XXXX nor have i ever had XXXX service 

Company response: Company chooses not to provide a public response
Consumer complaint: I was referred to this office by primary doctor with an appointment date of XXXX/XXXX/2014. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. My wife received a phone call several months later asking me to call the billing office. The message was given to me and I returned the call but was unable to speak to anyone and had to leave a message disputing the debt. The business claims billing statements were mailed but none were received by me. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the billing office and was willing to pay the amount the office claims is outstanding and then be reimbursed by the insurance company for any over payments. 
My HIPPA privacy rights have been violated due to the release of my personal medical information to a third party to which I did not authorize. 


I have made several calls to XXXX office of which I have made not and clearly they are making false statements regarding the contents of these calls. I also sent a rescission of the authorization for payment to their office. I received no return mail so it is apparent they received the written rescission. 
Additionally, I believe XXXX office is acting as a collection agency and referencing FL Statutes as such without following the requirements of the FCRA. They have never stated they were a collection agency or they were attempting to collect a debt as such. Furthermore I never received communication of right to dispute. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had XXXX mortgage which XXXX XXXX XXXX took over. SLS then took XXXX XXXX XXXX. From the day they got control. They have been adding extra fees to my bill. I have talked to them and they would never give me the proper answer. and the finally they started to show that they were late fees and that I was not paying my bill on time. When they called me they were always rude and did n't want to listen to me. Please ask to stop unacceptably calling me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, 2014. please help me remove these from my report? 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( first XXXX in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas 

Company response: Company chooses not to provide a public response
Consumer complaint: I was promised a XXXX signing bonus points which is worth {$400.00} in cash when I applied Wellsfargo XXXX XXXX XXXX on XXXX XXXX 2015. The Letter came with the card arrived said I would get points posts to my account XXXX billing periods the date after {$3000.00} qualifing net purchase posted. I made my {$3000.00} spending in XXXX and today XXXX/XXXX/2015 XXXX billing periods after still no sign of my bonus points. I have called every month a few days after each closing date, and got same answer XXXX billing periods after 3 month spending period ' which is different from it stated on the letter. Every time I called I had to speak to XXXX representatives and repeated the same story over and over. Call center CSR had no authotity to offer any help and said just wait or write to executive office. I am done with waiting, here is my complain! 

Company response: Company chooses not to provide a public response
Consumer complaint: I remortgaged with roundpoint loan number XXXX just under 2 years ago. A couple of months back I rang them to ask about re-valuating my property. The women on the phone said to me that if I was at 78 % I could get my mortgage insurance removed. Knowing I was very close I decided to get a valuation on my house. The valuation came in at XXXX, which means 78 % means an amount outstanding of XXXX meant I could get my MI off. I owe around XXXX. Now supposedly they tell me that since my loan is seasoned less than 5 years it has to be at 75 % at loan to value ratio, before my Mi can come off. This figure was never mentioned to me when I spoke to the agent. The recorded conversation with roundpoint advisor where I repeatedly said will it come off if it is at 78 % the answer was yes.. This is also was their website says. Now they say I can not remove my MI eventhough I am under 78 %. I want them to pay for my valuation since their agent gave me the wrong information.I only got the valuation done knowing I was close to the 78 % mark. Also I have been told legally as soon as you are under 78 % the MI has to come off. I have not missed any payments. I did fill in their form and on it does say you have to be 75 %. However since I was not clear I rang their advisers to ask them who told me it should come off at 78 %. I told Roundpoint that the mortgage has been mis- sold to me and the information I was conveyed was also incorrect. I also asked them to listen to the recorded conversation I ahd with their adviser who informed me that it will come off at 78 %. I did not get a reply. The only reply I got was to say my MI could not be cancelled and did not mention anything about the conversation I had asked them to listen to. Please can you let me know if legally they can avoid my MI coming off eventhough I am under 78 %. Also are they not legally obliged to give me the correct information when I ring them. I would like my MI to come off. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian placed a credit inquiry on my report with out documenting the information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or Ma'am, I am writing to dispute a Military Star card account that is not mine ( account # XXXX ). I do not even know the full account number because this is not my account ( no statements and they will not tell me the full account number because it is not my account ). I once had a Military Star account that was paid in full and closed XX/XX/XXXX while I still lived in XXXX, but it was a XXXX account with a {$500.00} limit ( meaning it could only be used at a Military Clothing & Sales store ). I did not re-open this account, nor do I even receive statements since someone has apparently re-opened it. I lived at my previous address for 5 1/2 years until XX/XX/XXXX and my current address ever since then without ever being contacted. I have repeatedly sent corrections directly to XXXX, XXXX, and XXXX disputing this information, which they forwarded to Military Star without resolution. I also sent letters to Military Star, with XX/XX/XXXX being the most recent. 
My wife, XXXX XXXX, has also been in regular phone contact with Military Star regarding the continued reporting of this account on my credit report, the repeated negative reports, and the occasional deductions from my pay ( that we then have to work with you for reimbursement ). Military Star 's representatives tell us on the phone every time she calls to complain about this false account that it should be off of my credit report in the next month because they can see in their system that it is not mine, yet it continues to be reported. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My previous lender acknowledged they made a mistake in charging me over {$21000.00} for taxes I did not owe on my house in XXXX, which forced me to modify my loan. They charged me over {$53000.00} in interest on the loan modification. They admitted to the error and took the {$21000.00} off my account but did not take the interest off the loan, nor did they take the loan modification off, which I would not have ever needed. Now, I am unable to obtain a loan for a home in XXXX after relocating for my job, because of the error of XXXX XXXX XXXX on both my mortgage payoff quote, and because they are reporting a loan modification on my credit report. I believe this is a violation of the Fair Credit Reporting Act, and I must have this resolved in the next 10 days because I am in escrow. To avoid resolving the issue, XXXX XXXX XXXX sold my loan to Select Portfolio Servicing, who is now documenting the erroneous amount in excess of {$53000.00} as part of the principle. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested the name of my original investor, a copy of the wet note, and the legal status of my account in XXXX of 2015. I never received this. In XXXX, the " servicer '' filed a claim against my home in a bankruptcy proceeding although I 'd never missed a payment. I filed the BK XXXX for other reasons. The " servicer '' has still not complied with my request, so how can they legally file a claim when they cant even show proper chain of title, or refuse to do so? Second issue is that they raised my Escrow, alleging an Escrow shortage. By their own admission, there IS no shortage, but for some reason, the Escrow Department has n't relayed this to the rest of the departments, like the department that processes payments. The servicer refused to post my payment unless I included the additional ( and incorrect XXXX Escrow, which makes paying my other household bills even more challenging. I cant afford to pay something that I do n't owe, and by raising my Escrow {$100.00} MORE than what it should be, it is putting me in a tight bind. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account Resolution Services ( ARS ), used communication tactics in the beginning by blocking my number, blocking me from online access to a debt that I tried to research, when asked of them to verify my debt. Also they tried to get me to identify myself over the phone without giving me the opportunity of verifying their company. I wrote them a DEBT VALIDATION LETTER, and they did not validate my debt through the original debtor and mailing me that information so they violated Section 809 Validation of Debts [ 15 USC 1692g ] Chain letter by dates are attached with mailed signed receipts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi, my problem consists in an older case which apparently is the root cause of my credit score is not optimum reflecting my behavior. I found this problem last year when I approached a mortgage broker to qualify for a mortgage. Once he brought up this info ( which is ridiculous as all XXXX totals in {$190.00} and all XXXX were paid in full ). 

California Business Bureau ( CBB ) is the credit collection agency which I have tried calling to remove the XXXX collection reports which they in all XXXX cases told me verbally that if paid within a 30 day time limit it would not enter my credit report. I paid all XXXX incidents immediately upon the notification but apparently they did not keep their work. Every time I called them they reject me. 

I 'm not very familiar with credit score, however my mortgage broker suggested I should try to fix the score before applying for a mortgage as my score would be significantly higher resulting in a more affordable mortgage - and nobody is in debt nor is the balance in question of significance. 

CBB has never notified me about any rights to dispute their filings, hence it was left on my credit report for a while until I found it via the mortgage broker. However I found on the internet someone suggesting to file a dispute with the credit agency. I 'm not sure what to write and who to address, CBB? XXXX? Fico? ... 

As I would really like to be able to afford a permanent home for my kids to be raised in, can you provide me some guidance on how to proceed with this, please? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We were in a current modification with SPS ( select portfolio servicing ) who are a service company for XXXX XXXX, and XXXX XXXX, which apparently in some way related XXXX a holder of the note other the bank with the loan, last year i was sent a letter of an increase on our payment, which we were just making, the reason was for a proposed tax increase in my town, note no increase was given yet, we could not afford the new rate which went up nearly XXXX dollars, we fell behind again, I contacted SPS and requested a new Modification or PRA, since XXXX I have submitted every document they requested XXXX times now, on Monday I will be submitting the XXXX time, each time they wait 2 weeks and say I did n't send certain documents then by the time review comes I have to resubmit cause its a new month, we were rebuilding our credit and now I ca n't buy a baggie on credit cause of the situation, SPS does nothing and i have found out they have a class action lawsuit on them for this exact behavior, I just want to be able to have an affordable payment and not struggle and have to owe XXXX what my house is worth by the time its done, when I mentioned a PRA ( pay down rate ) SPS did not reply obviously seems they are n't here to help us, they also refuse to move my pay date to mid month and they see on paper I do not get my XXXX till the XXXX of each month so I automatically pay late fee, can someone legally help us, I was told there are companies that file the complaint for XXXX XXXX dollars then i heard that was a scam I have no where to turn here, SPS has changed our " case manager XXXX times since the process started, and our latest one XXXX XXXX, Stated on their recorded line on XXXX XXXX that all my documents were in but XXXX a XXXX I was driving home when she called and informed her I would send that via email ASAP, that night it was sent and 2 weeks later as we waited for review a different case manager called and informed us all paper work had to be sent as review passed, I explained XXXX said it was there, I had email proof it was sent she said cause it was a new month it did n't matter I spoke to her supervisor and i was told our tax return for XX/XX/XXXX and XX/XX/XXXX needed more pages, then i was told our bank statements were a month behind, which was false it was cause they waited, then I was told the XXXX form was not there and I sent the email confirmation she had no answer, just send it again, we contacted NJ XXXX and were guided by XXXX who wrote our budget out and did our hardship letter and sent it out on our behalf, SPS said that was not sufficient, i also sent a copy of an official letter from XXXX showing my XXXX payment, when I got it via direct deposit and what how much, SPS then said that was not sufficient, it had to be my bank statement, i sent the front page of my bank statement showing the XXXX deposit, and SPS said they want all pages of our bank statement, here is the funny part, when i asked how do you know i sent XXXX page if you did n't get the paper work, SPS had no answer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a home equity loan with CitiMortgage. A few years ago the bank advised that we were in a flood zone and to submit proof of flood insurance. We complied although our first mortgage serviced by XXXX stated we were not in a flood zone but escrowed for us anyway. Now our first mortgage is serviced by XXXX that refuses to escrow for the flood insurance because they state we are not in a flood zone. We would like citimortgage to look at the flood maps in our area and provide proof of the home being in a flood zone because XXXX other banking organizations agree that we are not in a flood zone. 

Company response: Company chooses not to provide a public response