AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am trying to get a loan modification from U.S. Bank. The property was originally my primary residence, but a job transfer forced me to move. I now have it rented for much less XXXX {$900.00} XXXX than the mortgage payment. The loan was originally a 5-year interest only ARM. After 5 years, it converted to a 25 year at 6.6 %. If this was a XXXXFHA, I would be able to get it modified at rates close to market rates. However, since it is owned by U.S. Bank XXXX portfolio loan ), I have to go through them. U.S. Bank has been a disaster to work with. I applied for a modification and was denied and no one can explain the reason to me. They calculated my XXXX at 16 % ( but that does n't include primary residence mortgage or another property that I have as an " accidental landlord '' due to job transfer ). No one there XXXX customer service, escalation, etc. ) can tell me how they came up with the DTI number used to deny my loan modification. It was been an awful customer experience, with no one at U.S. Bank able/empowered to make a decision or give me any information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Fin Crt Nwt Accounts # XXXX & XXXX, are the same accounts. It was on their as XXXX separate accounts at one point. I requested them to be looked at XXXX months ago by credit bureau as duplicates. Financial credit and I have been going around for years. I pay an account. They claim it was for a different account. Give me every excuse in the book why I 'm wrong. I paid on a different account. Then they Make another account look like its a new account when it 's well over XXXX years old if not longer. XXXX women collections staff members are very unprofessional. Talk to you rude and very disrespectful. I had to stop answering my phone due to them raising my XXXX XXXX and getting angry. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was denied credit as a co-signer for my son 's student loan due to CitiMortgage 's error in process/posting a paid-in-full check from my house closing. In addition, the law firm hired by Citi, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) also exhibited servicing abuse in regards to this transaction. 
Timing in life is everything. I sold my house on XXXX XXXX, 2010. See attached closing statement. On that same day I received a letter from the law firm acknowledging this transaction so both lender and law firm were cognizant of the closing. I was unaware that the credit bureaus were going to receive inaccurate information that I have forclosed. I was never informed of this error AFTER the closing or allowed to remedy this situation CitiMortgage should have released the law firm the day of the closing. No one acted on good faith and it is a cruel act of servicing abuse where there should have been a PAUSE in the foreclosure process. This is just sloppy and fraudulent practice on their part. I ( and I 'm sure others ) were NEVER given a chance to restructure. 
Unfortunately, the lenders have a history of deficient practices that must stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: I transferred {$5000.00} to XXXX of which banks with XXXX XXXX. I was charged a {$25.00} wire fee from my bank for the transfer. However, the trade station employee sent me an email stating, " If the bank charges you a fee for the wire, let me know and we will credit that amount back to your account. '' This has not been done and I am now wanting to cancel my account with them after two weeks. In addition, I now come to find out they are going to minus {$25.00} from my account to send me a wire back to my bank. There 's no such policy in writing stating that this is the only option to get my money back. It gives me an option on their website stating you can " Wire Transfer, {$25.00} '' or " Request a Check, Free, '' but they will not send out a free check, because their " Internal Policy. '' This is illegal. I spoke to " XXXX '' the supervisor and he stated, my concern is not written publicly anywhere, but that they will not give me back my money I sent them -- in full. I am requesting a check which is free for them to send and they will not send me one, because of " internal policy rules. '' I want my money in full, and I want it now ; so they need to figure out how that can be done. I also want the {$25.00} ( of which is in writing ) credited back to my account and a check or wire for the amount of {$5000.00}. There 's no written public information to justify what they are saying. They are only willing to send me {$4900.00} back of my {$5000.00} I sent them and there 's no way around this unlawful practice. What they are stating is not in any contract I signed or a public policy. When I informed XXXX that this is not stated anywhere he said, " yes it does n't say that anywhere, but it 's in our internal policy. '' Does this mean that everyone can have some internal policy that rips off the client and that 's justifiable? My next action is to charge them interest on my money for how long it takes for them to get my money back to me, because I would be making interest on my money through my bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing a complaint against Experian for reporting an account that is not mine on my credit report. The account in question is a XXXX account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my Experian report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX or XXXX, which is further proof that it should not be there in the first place. Experian should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Macy 's card on XX/XX/XXXX. I just checked my credit report and see that it was closed due to inactivity on XX/XX/XXXX. I was never notified that it was going to be closed. Since it was XXXX of my older accounts, now that it is closed, it has effected the average age of my credit history, which is negatively impacted my credit score. I would like for the account to be reinstated so that my history of good payments can be reflected on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello team, I came to US few years back and have started using credit cards since then. I have been using XXXX every year to review my credit reports without any issues. 

In XXXX 2014, I was retrieving copies of credit reports for the year. It worked for the XXXX and XXXX, but erred out with Transunion. 
Following is the error message I got : We are unable to complete your requestWhat happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXXXXXXto download the request form. 

When I called the number provided, I ended up in selecting the option for getting the report by mail. However I followed up with Transunion to check what was the issue. But they did n't help since the free annual report was already sent. 

This year, I tried to obtain the annual reports again. Unfortunately, I saw the exact same error while getting Transunion report. The other XXXX bureau reports are working fine without any challenges. I immediately contacted Transunion customer service ( XXXX ) and explained them the problem. 

They just transferred me to another department ( XXXX ) called - " Transunion interactive '' which deals with their website ( I believe ). The representative told me that they are seeing error number XXXX while pulling my report, which is usually seen because of multiple profiles getting created for the same SSN or usage of multiple names etc. He asked me to contact " Transunion customer relations '' number ( XXXX ) and have them fix the data on my report. 

On contacting the consumer relations, I was surprised to hear that my Transunion profile/ report did n't have any issues, and so they do n't see anything to update. 
They asked me to contact the interactive team again with the confirmation that nothing is wrong with my report. 

Even after having such confirmation from Customer relations, the Interactive team kept on pushing back saying that they ca n't do anything about it. I contacted both these teams few more times, but was just getting transferred between their teams. They never agreed to come on a single call, which might have fixed the issue. I have even talked to supervisors from both the teams, and also talked to few folks from " Special handling '' department, but no one could tell me what the actual issue was. I have n't got a resolution so far. 

For now, I have asked them to send me a physical copy. But I my preference was to get an online copies because I think online copy is more secure and easy to manage. 

I need your help so that someone from Transunion can really look into the issue and resolve it so that I can use the online credit report like everyone else. 

Regards, 

Company response: Company chooses not to provide a public response
Consumer complaint: i was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: what experian has done is illegal. They have updated my 6.9 yrs old closed account and converted a fully paid good account with notification of paid in time into a derogatory account as being late 120 days. The account in question is a secured account so no question of any money being due.XXXX has never demanded any money from me in 6 .9 yrs. 
Converting it from a good account to a bad account after 6.9 yrs on a closed account equivalent to reporting a late payment after 6.9 yrs. This is beyond the statute of limitations. Surprising enough they report payment received in XXXX and late in XXXX.Are credit reporting companies XXXX. 
Now i have to sue XXXX XXXX. by the time they respond my account will be deleted. 

Company response: Company chooses not to provide a public response
Consumer complaint: It 's happened so weird, so I only ask the bank online to increase my credit line for information but not request. And then the bank send me notice and did n't ask my authorization and directly this is a hard pull. I can not believe it. How could this be? I only put info online and then, NO PHONE CALL NO TEXT NO MAIL NOTICE OR EMAIL, there 's a hard pull. And he said he need my more info, it 's funny cause when I made phone call, I said I gave up to increase my credit line. This is totally not my fault. SHAME ON BANK OF AMERICA. 

Company response: Company chooses not to provide a public response
Consumer complaint: i was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I paid my loan off on my mortgage with wells fargo. I had paid a earlier amount which they backed out of the loan. Before that I had paid like 6 months aheahead 

Company response: Company chooses not to provide a public response
Consumer complaint: I had deposited a paycheck as I usually do into an ATM for about XXXX $ on XXXX/XXXX/2015 at about XXXX and checked my balance, where it clearly stated XXXX $ was available immediately for the account and more was being cleared by the bank as usual. Later on I went and purchased something small for XXXX $ a little bit later on XXXX/XXXX/2015 at about XXXX but today I went to check my account balance and noticed a XXXX $ overdraft fee. This is unfair as there is nothing stated on the screen regarding that I would be charged a XXXX $ bank fee. 

Im not a banker, I dont know every single tiny little detail loophole etc especially when I am not informed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo reported wrong about payments made on their equity loan for XX/XX/XXXX and XX/XX/XXXX to the XXXX credit bureaus. They processed a XX/XX/XXXX payment before they processed a XX/XX/XXXX payment. This caused a 30 day late reporting to the different credit bureaus. In addition after forcing us to turn off paper statements so that THEY CAN SAVE MONEY, they continuously publish false information on their websites for when payments are due as well as their statements ( assuming one downloads them from the website ). They did the same thing for an XX/XX/XXXX payment for the same equity line when they published both on their website and their statements that payments were due by the XX/XX/XXXX when in fact they knew or should have known that this would create a false reporting of a 30 day late payment on all of our credit reports. This has cost both my husband XXXX XXXX and Myself {$1000.00} 's of dollars in higher credit interest charges and has made it impossible to refinance our existing mortgages. We have attempted to have Wells Fargo to fix this with at least 10 X notification that they have been reporting wrong. They have the duty to post accurate information on both their statements and their website.. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a bill addressed to somebody else 's first and middle names, and my last name. Clearly not my bill. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I had a water damage in my house. I filed the claim to insurance company and settlement process went pretty smoothly, I got my check in about 10 days. Since the damage was major, the check was issued on my name and on Seneca Mortgage Servicing LLC, so I had to sent the check to Seneca. And my real problems began.. I sent all paperwork as requested, with fast overnight shipping. It still took them 4 days to call me to notify that they ca n't issue the check because they ca n't validate my contractor. I asked for check for partial amount and it took them another 5-7 days to issue the check and then mail it ( another few days XXXX. I sent out corrected contractor document overnight and I called them in the meantime. I called them 3 times during the same day, since they kept informing me that my contractor data is incorrect. First time, they told me that the day before the payment was submitted and then denied because of " some reason ''. I asked what is wrong with my contractor details, they could n't say. I called second time and they told me that they are waiting for corrected form ( it was delivered 4 days before ). I called another time the same day and I was informed that everything is fine and they are submitting the payment. 2 days later I called to get confirmation and tracking number of the check and.. it turned out that the payment was n't submitted at all and they wasted another 4 days XXXX weekend + 2 days )!!!! 
Overall it was very stressful process, with inaccurate and misleading information provided by Seneca. It took 4 weeks to get money issued by insurance company while, I could n't pay my contractor and was living in the hotel. Terrible experience, Seneca should n't be allowed to provide mortgage servicing 

Company response: Company chooses not to provide a public response
Consumer complaint: i was told repeatably this item will remove .. 

Company response: Company chooses not to provide a public response
Consumer complaint: I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing a complaint against Shellpoint Mortgage for reporting an account that is not mine on my credit report. The account in question is a Shellpoint mortgage account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my XXXX report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX, which is further proof that it should not be there in the first place. XXXX should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My initial complaint was case number XXXX. 
I tried working with Ally - I wrote the Credit Bureaus - I attached a copy of the reaffirmation agreement for the car - but they are still illegally reporting that the car was included in a Chapter XXXX - yes, it was included - but we reaffirmed and PAID the agreed sum outside of the court. I can mail you the affirmation agreement, like I did the credit bureaus. Pls provide me your mailing address. I can not scan documents. I want to know why Ally Financial can still continue to report this erroneously on my credit report and my husbands without repercussions. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2012, I terminated an auto lease with Ally Financial. Because I was already in a Chapter XXXX bankruptcy, my attorney amended the current proceedings to include Ally. Ally agreed to the terms of that amended agreement but has continued to report to the credit bureaus a past due amount. I am attaching documents to substantiate my case. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America modified my loan in XX/XX/XXXX. I made my payments as scheduled in the amount due shown on the notarized form. Almost a year later, Bank of America sent a payment back to me stating I was n't paying the correct amount and that they were putting my home into foreclosure. I have had problems with this mortgage company ever since. Bank of America was most recently supposed to be " working with me '' to modify my home loan to prevent foreclosure / remove my home from trustee sale slated for XXXX. Bank of America asked me to submit documents, which I submitted and I have been waiting for more information from Bank of America. Today, I found a " written demand of surrender and possession '' notifying me that my home was SOLD at the trustee sale on XXXX. I have contacted many people this morning at Bank of America, to no avail. They have told me to " call the foreclosure attorney '' listed on the notice. I contacted the person listed on the notice, who is not an attorney, who states I have 5 consecutive ( not business days ) to vacate the premises. The contact person states " this happens all the time '' - the Bank tells the home owner they are going to work with them and then they sell their house. 

I have had ongoing issues with Bank of America since they purchased my loan. I only want to pay my mortgage / stay in my house that has been my home since it was built in XX/XX/XXXX - and now I 'm told I have 5 days to vacate and there 's nothing I can do about it! 

Company response: Company chooses not to provide a public response