AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is Part XXXX of case number XXXX.SunTrust has cancelled the subordinate DOT on XXXX XXXX XXXX, thanks to you all. However, they sold my property at XXXX. They keep on passing it around amongst themselves. I am sending copies of the original deed to prove that the land was never financed or signed off to anyone by me and that it was given to me by my mother. The loan ( {$38000.00} ) that SunTrust alleged that I borrowed never happened. I tried to tell them that during their merger with XXXX some papers got mixed up. Thank God that its been almost 15 yrs and I am still holding on. The letter that SunTrust wrote dated XXXX XXXX, XXXX is fabricated. On XXXX XXXX, XXXX we did n't have a primary residence and the {$37000.00} was part of the original construction loan of {$140000.00}. I 've never been a landlord nor have I ever owned rental property. The {$37000.00} was paid off whenever XXXX XXXX took over the construction loan. I sent you a copy of the Cancelled DOT in my XXXX complaint. How could they refinance something that was paid off? Where did the commercial loan come from. I 'm sending you a copy of the original deed. It 's all residential and never been listed as commercial land. XXXX buyers of the land were fooled by SunTrust and bought the land but got a full refund. It 's just a little under an acre ( XXXX acres XXXX but it was my mom 's and she passed it on to me to have to keep her financially secure if I needed to. My mom passed XXXX XXXX, XXXX. I would n't sell that land for anything. SunTrust kept threatening me over and over again about signing a new note. The note that I signed in person were in the amount of {$37000.00} and I never seen this XXXX for the {$38000.00} until later. I told the Bank that I never signed a note stating that I borrowed that money for rental or renovation properties. This has been a nightmare ever since those banks merged. I never had a proper closing, my attorney died, my builder had to move on to another job out of town, the company that sold the house filed Chapter XXXX and we had to apply to XXXX County for a Certificate Of Occupancy to move in our new home. We were homeless and nobody seemed to care. I did n't know about real-estate loan but I do now. I hope that everyone can understand that this was XXXX big mistake. I only signed for the {$37000.00} loan. Everything I have said it the truth. I have repeated this over and over. Please have SunTrust to give me back my mom 's keepsake and our monies back. We are in the process of refinancing our mortgage loan to a fixed rate now because the subordinate loan was removed. Again, thanks a XXXX times for listening to me. I have more papers if you need them. I have been collecting them over the years. I am sending a list of the checks I 've paid to SunTrust over the years. I had to stop paying them so that I could get some help or at least get someone to respond to me. It has cost me hard ache, pain and financial hardship but I got to someone who will hear my plea. Again, thank you all very much for everything that 's been done so far. 

Company response: Company chooses not to provide a public response
Consumer complaint: An old Debt that should have been removed from my Experian Credit Report, Account number XXXX by XXXX XXXX remains on my report. It represents a debt that is well over seven years old. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a money transfer on XXXX XXXX, from my XXXX bank account to XXXX bank account in XXXX. My understanding was that once I was doing the wire transfer to USFOREX bank. I provided them all the information they asked for, ( who am I, why I am sending the money, who am I sending the money to, etc. ) with addresses and account information. The money was reached in XXXX on XXXX. It just sat there until I reached out to them ( XXXX ) and asked them to release it. USFOREX did nothing but wait. I even got them the release of funds wire transfer reference number from XXXX. And they are still suggesting that it will not go out today. And it was around XXXX, way before the cut-off time. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED. 
The latest debacle is playing out now. I 'm on a XXXX to XXXX, Texas. I arrived yesterday and rented a car from XXXX at the airport in XXXX, TX. Today, I checked my USAA checking account and discovered XXXX ( XXXX ) unauthorized charges from XXXX for {$310.00}, a total of {$630.00} drained from my checking account. " How could this be? '' I 'm on official travel and made the reservation through XXXX who should have charged my government VISA card for the car rental. What happened? Well what happened is this. I 'm a XXXX and XXXX ( XXXX ), yes XXXX debit cards ago, I entered my personal USAA debit card into my XXXX profile. I never, ever provided my personal debit card to XXXX for this transaction because it was a business trip. However XXXX " pulled '' my new credit card information and charged my debit card, not once, but mistakenly XXXX ( You can get the details from XXXX XXXX ( XXXX ) XXXX, billing supervisor, XXXX XXXX XXXX, XXXX, OK ). Bad on XXXX XXXX for charging the wrong card and charging it XXXX and they are correcting the problem. 
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission. 
Regards, XXXX XXXX ( XXXX ) XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX, I disputed an entry on my Experian credit report for a previous mortgage I had with XXXX XXXX XXXX. The entry reports a 30 day late for XXXX & XXXX which are incorrect. The mortgage was paid off XXXX when the home was sold. Supporting documentation was sent certified mail to Experian on XXXX separate occasions ( again in XXXX ) proving the loan was paid off and the entries were invalid. Both times Experian returned the results as being confirmed by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX about the issue who advised they only reported the loan being paid in full for XXXX and there was no payment status reported for XXXX or XXXX. XXXX XXXX XXXX agreed to send a letter advising the there were no late payments for those XXXX months. Due to the errors in my credit report I am unable to close on a new home until the report is corrected. Both XXXX and XXXX report the trade line correctly, but Experian refuses to correct the entries even with supporting documentation and a letter from XXXX XXXX XXXX confirming the entry is invalid. I would just like my credit report corrected to reflect the correct information so I can close on my new home. Any assistance you can provide with this matter would be greatly appreciated 

Company response: Company chooses not to provide a public response
Consumer complaint: My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent XXXX emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Our servicer, Select Portfolio Servicing in Utah, has requested require documents in order to negotiate a loan modification with the borrower. The borrower had received a completion notice from XXXX in XX/XX/XXXX, saying within one month, the examination will be notified to the borrower. The notification to this effect has never been received thus far, whereas Required Information Notice has been numerously received by the borrower. SPS has been repeatedly extending the expiration date for submission of Required Information, and the latest notification said the date has been set for XX/XX/XXXX. However, the borrower has recently been receiving numerous solicitation letters from attorneys at law and other private companies that are offering legal assistance regarding violation of " Dual Tracking '' and " Single Point of Contact '' because they insisted public notice has it that non-judicial trust sale date has been set for XX/XX/XXXX. The borrower has not received the Notice of Sale from Select portfolio servicing yet XXXX has listed the property to be auctioned off on XX/XX/XXXX. XXXX XXXX, Consumer Ombudsman Specialist at SPS wrote to the borrower with its carbon copy of XX/XX/XXXX addressed to CALIFORNIA ATTORNEY GENERAL 'S OFFICE, saying " Please keep in mind that each time documents are received an Acknowledgement Letter will be sent out. Once the processor has reviewed the documents another letter will be mailed out advising of documents that are needed or advising that we have a complete packet. '' See the last paragraph of the XXXX page of the said letter by XXXX XXXX as per attached hereto. Since XX/XX/XXXX, the borrower has submitted information numerously all along, but the said Acknowledgement Letter has never been received. The borrower has received Required Information Notices with pre-printed boilerplate letters containing all-encompassing documents. The borrower has never been able to speak to the so-called XXXX relationship managers, XXXX XXXX, and XXXX XXXX, as a single point of contact, but more than a XXXX different people from SPS called the borrower, asking redundantly for already-submitted documents and information. The borrower finally gave up on talking to them on the phone and SPS notified the borrower stating they will terminate any verbal communication with borrower yet SPS calls numerous times without leaving voice mail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a loan modification with BOA back in XX/XX/XXXX because I could not afford mortgage payment, after almost of two years drugging modification 's process, with so many irregularities and delays, BOA offered me interest rate 1 % higher than the existing obligation. At this juncture, I have informed BOA on XX/XX/XXXX by fax, that I have elected to opt-out of the modification plan. My Customer Relation Manager, XXXX XXXX, informed me that will take XXXX business days to process it and I wo n't be in modification status. I applied for " XXXX '' program and I would qualified if I remove taxes and insurance from my monthly payment. BOA 's escrow department can not remove impound because my Customer Relation Manager, XXXX XXXX, does not want to remove warning code XXXX and lockout code XXXX that are saying that I am still in modification mode, but she sent me a letter on XX/XX/XXXX that BOA are no longer considering my request for a modification. This situation is preventing program " XXXX '' from being able to pay my mortgage payment as the current payment including impounds exceed their eligibility limit of {$3000.00} per month and I am currently unemployed and can not afford my mortgage payment. I called around XXXX times escrow department, customer services department, etc..but everybody told me that only my Customer Relation Manager, XXXX XXXX , can remove those codes. Since XXXX, I called and left a message to my Customer Relation Manager, XXXX XXXX, and her manager XXXX XXXX # ( XXXX ) XXXX so many times but they never call me back. This situation is putting huge stress on me and my family. I NEED HELP with this situation because my family is fooling a part from all this stress. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NOT ABLE TO ACESS REFUNDS FROM FTC RULING AGAINST GOOGLE DUE TO FUNDS SENT TO CLOSED ACCOUNT. 
I have over {$700.00} in refunds from the FTCs ruling against google for unauthorized in app purchases. According to the ruling if the original funding source is not accessible or closed google is to send a check for the amount of the refunds. Google has failed to do this and sent the refunds to XXXX google play accounts that have been " permanently closed '' according to them, for over a year now. I have been emailing the Google play support team and the wallet support team trying to get a check issued to me for over a month now and keep being told that there working on it.. This is unacceptable 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Transunion received my documents XX/XX/2015. XXXX XXXX Ireceived investigation results. They deleted XXXX XXXX, butregarding XXXX & XXXX I 'm told I must contact the creditors? 
Why is it my job? Transunion is not in compliance with the law. 
Do I need to hire another expensive lawyer to expedite this? 
XXXX was my legal team. I 'm done. They submitteddocuments to me which I submitted to Transunion ; as well as ; theother XXXX credit bureaus. Again I ask, why the discrepanciesbetween my documents and the inflated figures provided by thebanks? 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed a couple of unauthorized charges on my statement XXXX months ago. I immediately called the card company to report the fraud. They removed the charges and issued a new card. On my next statement, I discovered that they had transferred the charges to the new account. I have not activated the new card. I called again and was informed by a fraud agent that the charges, along with the new fees and interest, would clear in a couple of weeks. They have not. I 've been getting dunning notices on a regular basis, and my credit score dropped XXXX points overnight. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America sold XXXX of my checking accounts to XXXX Bank in XXXX, Virginia, without our knowledge. They gave our SSNs, bank account numbers, names and address to a bank we had no affiliation with. When I questioned them, they said they sent us a notice. I did n't receive anything. XXXX weeks ago ( after they XXXX sold XXXX of my accounts ) I went in and closed it. I asked if they were going to sell the XXXX account and was told " no ''. Yesterday I received another New Account Letter from XXXX Bank saying they were the owners of my XXXX account. When I asked BofA why, I was told that because BofA was more than XXXX miles from my residence, they chose XXXX Bank that was closer to my home. I will close the second account next week, after my last payroll deposit hits the account. I think what they have done is illegal. It is unethical and quite simply unbelieavable. I had had XXXX of my accounts for 26 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Deposited my payroll check on XXXX XXXX. Funds were placed on hold until XXXX XXXX ; checked account on Friday, XXXX XXXX and saw that an additional hold was placed on my check until the following Friday. Contacted Bank of America and was told they could not do anything ; I was not informed of the hold ahead of time, and I scheduled payments for Monday, XXXX XXXX, which have subsequently been returned, and drawn my account further in overdraft. 

Company response: Company chooses not to provide a public response
Consumer complaint: AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bayview Servicing LLC holds my XXXX mortgage ( ex-XXXX loan ) I am currently in chapter XXXX Bankruptcy, because I became behind on payments. My XXXX mortgage XXXX Bank sent me a letter stating the total amount was foregiven ( $ XXXX ) via the XXXX XXXX settlement, But Bayview is refusing to apply my XXXX primary loan ( $ XXXX ) to that DOJ settlement. As I read the settlement my XXXX mortgage should be included as it was a XXXX XXXX XXXX originated, And I still live in the House. my previous XXXX XXXX XXXX loan number # XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The PremisesThe Adjustable Rate Note on the subject loan is dated XX/XX/XXXX. The parties are XXXX, the borrower and XXXX XXXX XXXX XXXX XXXX, the originating lender. The Deed ofTrust dated on the same date. The parties are the borrower, XXXX XXXX, the co-borrower, the originating lender, MERS, which is named as nominee for the lender and beneficiary, andXXXX XXXX XXXX XXXX, the trustee. 
The subject loan has been securitized into XXXX XXXX Loan Trust XXXX. ThePooling and Servicing Agreement of the mentioned trust requires that the Adjustable RateNote should be endorsed by XXXX XXXX XXXX XXXX XXXX, the originating lender and sellerto XXXX, XXXX, the depositor and by the depositor to XXXX, the trustee. 
Consequently, the Deed of Trust should have been assigned by the originating lender and tothe depositor and by the depositor to the trustee. 
The chain of endorsements and assignments are also set to be followed in order qualify thetrust as a XXXX under the Internal Revenue Code. 
The mortgaged property has been foreclosed in favor of XXXX XXXX, XXXX XX/XX/XXXX 
The Note must be endorsed properly when the Security Instrument has been assigned. If thisdoes not occur, there is a separation of the security instrument from the debt instrument. 
Separation violates Paragraph 20, a XXXX XXXX in the Security Instrument contract. 
Additionally, any instance in which a successor trustee has been designated, but noThe Main Issues1. The subject loan was securitized. However, there were no documents to show thecompliance of the series of endorsements and assignments that:1.1. are required by the Pooling and Servicing Agreement ; and1.2. each constitutes a true sale from the originating lender to the seller, from the sellerto the depositor, and from the depositor to the trustee in order to ( a ) qualify thetrust as a XXXX and ( b ) give the trust the status of a holder in due course that wouldprotect it against adverse claims from the loan 's originator. 
2. There is prima facie evidence that the signatures on the Assignment of Deed ofTrust and Substitution of Trustee have been forged. 
3. No document was presented in this examination or recorded in the Voluntary LiensReport which shows that the trustee representing in foreclosure has been duly appointed. 
Details of these findings are discussed in the pages that follow. 
This report is authorized for use by both the borrowers and/ or their attorneys. Thecontent constitutes written evidentiary findings. The expert whose name appears at thebottom of this report supports its findings. The audit service is a " qualified '' veteranMortgage document analyst company and an independent party with no financial interestin the outcome of this case. I stand ready to testify in any State or Federal court as awitness in support of the attorney 's foundation of evidence and judicial notice. Thisreport is based upon facts, documentation, investigation and review of the evidencesupplied. 
XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got scammed using PayPal. I made a request on XXXX for concert tickets. I was texted by someone who offered me 4 tickets for {$130.00}. I accepted and they gave me their email to wire the money to saying that they would send the tickets electronically to my email. They never sent the tickets but accepted the money I sent. They stopped answering my text messages too. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted Experian and reported that there was an account that was being reported on my profile that did not belong to me. I do no nor have I ever had an account with XXXX XXXX and there are XXXX trades reported under my profile. I contacted the creditor at the phone number listed on the report and the only information that they were able to provide was that the store that originated the trades is no longer in business and suggested that i file a dispute with the credit bureau. I asked that Experian validate the debit but instead they dismissed my concern and the trade has remained on my report. I 'm not sure how I can prove that I do not have a debt with these people but i am sure that they can not prove that i do, so I am very confused as to how Experian can just say, oh well miss the debt is in fact yours now until 2019. I know that it is my right to have my credit file contain accurate information and am sure my rights are being violated. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all XXXX credit bureaus XXXX XXXX and Experian with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XXXX of XXXX. This item is over 7 years old and is still being reported on my credit report. XXXX completely deleted the item, XXXX has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XXXX and a last status date of XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance. 

Company response: Company chooses not to provide a public response