AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian would not print my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: Was denied credit for having no credit file which is false and should not count as a hard inquiry due to creditor 's error. 

Company response: Company chooses not to provide a public response
Consumer complaint: Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I took out a loan with Cash CallXXXX XXXX XXXX in the state of Louisiana back in 2012. The interest is so high It was over 100 % and now has gone down to 85 %. I do n't feel I will ever pay it off. Can they legally charge this much interest for such an extended period of time? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In the year 2013 my family and I lived in XXXX XXXX Apartments and paid the first month of rent, and the deposit. We always paid the rent for a year since the apartments were under contract. We never missed any payments and the water payment ; we paid it full. I even have proved that we paid it all. I have the confirmation number that we paid it. Recently, I received a letter from the National Credit Systems , Inc regarding the deposit that we did n't pay. The amount is {$690.00}. They have sent me to collection without any warning or any prove that I owe that amount. In the letter it says they have already reported this collection to XXXX national credit bureaus. Please I need your help to clear my credit and erase this debt that I do not owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I purchased a home XX/XX/XXXX. We made payments until we experienced financial hardship. We contacted the bank and sought a modification. The bank gave us a trial modification requiring that we make three payments in the amount of approximately {$2000.00}. We felt that this amount was a take it or leave it agreement and was setting us up for failure. This amount was more than we could afford, nevertheless, we made two payments under the trial modification. However, before the third payment, my husband passed in XX/XX/XXXX. I then sought to may arrangements with the bank, based on his death and further change in my financial circumstances. Despite my efforts the bank refuses to work with me. They will not talk to me. Instead, they filed a foreclosure case against me on XX/XX/XXXX in the XXXX county courts. I am XXXX years old. I am on a fixed income, and do not want to lose my home. Now it seems like they have transferred my loan to XXXX XXXX XXXX. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested an appraisal from Wells Fargo in order to drop my PMI. Before doing so, I had consulted with a local realtor and felt confident in our property value. The first appraisal by Wells Fargo came back at {$270000.00}, approximately {$7000.00} lower that necessary to drop PMI, and {$10000.00} lower than my LOWEST expectations. I have had both a realtor and a local mortgage broker share with me that they feel I should be appraising at a minimum of {$290000.00}. 

I have tried following up with Wells Fargo for an explanation as to why they arrived at that value, including asking why they are only calling my property a XXXX bedroom home, while it is indeed a XXXX bedroom home. Rather than answer my direct questions, each time they sent me a new appeal form. My first appeal resulted in a {$200.00} property value increase ( laughable. ) The subsequent XXXX appeals have not changed. I still do n't have an answer as to why they wo n't call my home a XXXX bedroom, and why the comparables I have shared with them, all within a XXXX mile radius of my home and averaging {$300000.00} each are not considered in my appeal. 

At this point I feel that the process is not being conducted in a fair manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: I turned in the equipment from my XXXX account years ago and they continue to call and harass me. I have received several calls from spoofed numbers regarding this merchandise. During one of those calls they signed me up for services that I had not requested. I told XXXX them over and over again that I turned the merchandise in. XXXX uses bait and switch tactica and actually several times signed me up for things I did n't ask for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Denied refinancing at a lower interest rate by SPS ~ Select Portfolio Services. This occurred while I was in XXXX with XXXX - XXXX. I had a XXXX and per doctor 's orders was not to be on my XXXX this time. I did the best I could, keeping up with my bills while only receiving partial pay of {$XXXX} per week from XXXX/workmen 's comp. At this time I was employed by a XXXX. Approximately two weeks prior to returning to my job they made the decision not to hold my job for me any longer, and I was terminated on XXXX XXXX, 2011. I got very behind on everything during this time period and applied to SPS to refinance my home at a lower interest rate, in order to lower my monthly mortgage payments. They rejected my application, while still charging me a 10.75 % interest rate on my home mortgage loan. According to current laws this is predatory lending. They have me over a barrel, as I had gotten farther and farther behind. I kept appealing their decision and finally they gave me a proposal for repayment which XXXX my monthly mortgage payment from approximately {$850.00} per mo ( which I was unable to afford ) to over {$1500.00} per month in order to repay the monies that I owe them. All the while the interest rate has never been lowered and is still the 10.75 %. We have been fighting them with an attorney for over a year now and they recently denied our filing stating we could afford the {$1500.00} per month for a mortgage payment. That is currently 47.5 % of my gross monthly income, which puts a real financial hardship on our household when considering other monthly living expenses. 








































. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a long standing negative account with XXXX, I have paid this in full long ago and in doing so the collection agency hired, agreed to delete the account from my credit report. I have faxed over the documentation more than once, but was told to deal strictly with the collection agency, after numerous disputes, despite documentation XXXX was provided, they are not doing anything. I disputed this already once, even the statue of limitations in Michigan is 6 years, the credit reporting agencies status was " XXXX XXXX .... 
PLEASE CONTACT CREDIT XXXX AT -XXXX-this was all I got. I feel like we are going in a circle over and over again. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or Ma'am, We are experiencing a financial hardship related to having to care for our son who is XXXX, consequently we are not current with our Mortgage with CitiMortgage. We had been able to make payments on line through their website XXXX. 
This morning to our surprise we found that the option to make payments is no longer available and our account locked. This was disappointing and creating more stress to not allowing us to have the opportunity to get our payment done. They advertise " We are here to help you '', however being locked out of our online account prevents us from making our mortgage payment to have a digital fingerprint of our payment. " Sorry you are not eligible to make payment online. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account with Suntrust on XX/XX/XXXX in XXXX, Va in order to automatically deposit my Social Security and Pension monthly. At this point, I have an account with XXXX XXXX XXXX but recently moved to XXXX, Va and there is no XXXX XXXX XXXX. Suntrust opened the checking acct with no problems. I received my checks and XXXX debit cards with different acct numbers. When I called Suntrust about this, they told me to destroy XXXX card and the other was okay to use. I then transferred my Social Security and Pension to Suntrust. About a week later, I received a call from Suntrust saying they could not keep the account open with no explanation and I would receive a letter and my deposit in the mail. This did not happen. I changed my fund back to XXXX XXXX XXXX. On XX/XX/XXXX, I went back to Suntrust to find out what happened. They told me there was nothing wrong with the account, it was active and they could see no problems with accepting my deposits. I made a small deposit to test the system and no problems. I then transferred my Social Security and Pension back to Suntrust. The following week, I called Social Security and Pension and transferred back to Suntrust. On XX/XX/XXXX, I received a call from Suntrust saying they were closing my account again but did not know why. I then called Suntrust Corporate and talked to them. They also could not see a problem. I was told to go back to the branch which I will be going tomorrow. This situation has caused me to having health issues. I am a senior and have been XXXX since XX/XX/XXXX. I don ; t even know if I want the account now but it is the principal of the matter and feel I have a right to know why I 'm having this problem, not to mention having to call Social Security and my Pension and redirecting my info over and over again. No one should go thru this to open a checking account. Please help me solve this problem. 

Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We called in XXXX to end shut off service. Our lease was ending and we where relocating to XXXX. They did not disconnect the service on XX/XX/XXXX as requested. The new renters continued to use the service under me well into XX/XX/XXXX. When we received the bill and disputed why it was not disconnected when we requested. After the investigation, they found that the final bill should have been {$160.00}, however they sent us a final bill and reported to credit agency without allowing me to pay the bill. This should never have went to the credit agency since it was their error. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: experian is reporting XXXX this not my account please have them remove this acct asap 

Company response: Company chooses not to provide a public response
Consumer complaint: My home has reached loan to value 2 years ago, so PMI, MIP should n't apply to me. Wells Fargo says the insurer says I owe PMI for the entirety of the loan. I have an FHA 30 year fixed with 17 years left on the loan. I think they are lying and want me to keep paying the XXXX bucks a month. loan originated in 2002 so the new PMI law does n't apply. What recourse do I have? Regards. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit management company has called multiple times in the past 3 weeks alleging that I owe money ( apprx. {$300.00} XXXX to XXXX. When I inform them that I do not have a XXXX account they ask me for the last XXXX of my soc. # to 'verify the account '. I refused and said you give me the last XXXX digits, and I will tell you if you have the right person. They said they could n't do that. They said well perhaps it 's identity theft and we need to verify that. They said have you ever lived on XXXX, and I told them no. I told them I would run a credit report to see if I had any fraudulent information and to stop calling me or I would inform the attorney general of Michigan. They have called back 3 more times, and I have put a block on my phone for their number. I ran XXXX credit reports and there is no XXXX account or any other suspicious activity. The number they are calling from is XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On or about XXXX XXXX, 2015 I received a call and I believe that they identified themselves as debt collectors. They did not say who they were attempting to collect the debt from and asked me to provide an address or my Social Security Number. I found this quite disturbing and improper. I asked them who they were attempting to collect the debt from and they did not have an answer for that. I said that the phone number has been mine for a few years so you might be looking for someone else. I asked what company she was from and she stated Van Ru Credit Corporation. I see that it is likely that there are multiple complaints against this company on the internet ; my negative assumption is that they are as corrupt as the rest of the State of Illinois that they reside in. It would be greatly appreciated if you could find out if they are cold calling for phishing purposes or other fraudulent schemes. Thank you very much. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a a home depot card and received my bill and was shocked to see that there was a XXXX finance charge. Most cards I have with a promotional purchase there is advance warning that you must pay by a certain time to give the consumer a fair amount of time. Often it is highlighted in red so you can not miss it. Home depot does n't do any of these things. I feel as though they do not highlight the information because they want take advantage of their customers 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told if I did n't pay that they would send a sheriff to my job and then garnish my wages. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Hello, I signed up for US Bank checking and savings a little over a month ago. They have repeatedly taken " charges '' out of my account to the point where it has become overdrawn. Even when I have money in the bank they say it is " unavailable '' because I had just deposited it and they placed a hold on it. Yet they would let the charge go through and then charge me {$39.00} each time! I feel they are systematically stealing money from me and probably many others as well. 

Recently I had adequate money in my account yet they charged me with XXXX overdraft charges. 
I am sure they have several disclaimers they hand out when they open accounts but the paperwork is massive and the type is very, very small. I am getting older and my eyesight is n't what it used to be. It is hard for me to read " mice type '' if I can read it at all. 

They need to have their practices audited. Of course I will close my account with them immediately but I can supply you or anyone else with any details you would like. I feel like I have been robbed by these people as they have taken XXXX of dollars from me and refustThank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is not about a lender. It is actually about the verbiage the CFPB created with regards to the FCRA. On page XXXX. The section about sharing a credit report with a consumer. FCRA says a lender can not share a credit report at all with a consumer unless an adverse action is taken by the lender. Problem this creates is that the lender needs multiple things addressed up front that appear on the credit report. This leaves the only method of communicating to ask the borrower to explain late payments, a list of inquiries and a list of addresses as verbal only. Many borrowers just ask to have the list of requirements of explanations to be emailed to them so they can review them and explain them. But the FCRA prohibits this. This is not consumer centric or friendly at all. Is there something in the FCRA that allows a lender to openly communicate in writing with the borrower about these items? Not looking to give the borrower a copy of the credit report but can cutting and pasting or retyping the areas of concern from the credit report be permissible. I only read what I saw on page XXXX with regards to this topic. I have been in the industry for 35 years and with my current employer ( lender ) for 22 years. I am confident while my employer follows the letter of the law other smaller lenders are sharing parts of the credit report with the borrowers with no issues. So my question is what can we do other than just try and communicate this verbally with borrowers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Disputed incomplete report information. Provided court copy of Master Satisfaction and Release of Mortgages recorded by the Clerk of the Circuit Court of XXXX County, Florida. 
Response received stated, " Unfortunately we are unable to honor your request to place credit information ( i.e., Satisfaction of Mortgages ) into your personal credit file since we would be unable to verify the data. We only receive public records information from our vendors who collect it from the courts. " The court record provided should be all the verification needed and can be easily verified online on the Clerk of Courts XXXX Co., Florida website. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a home XX/XX/XXXX and took out a mortgage with a 30 year term from Wells Fargo to finance this purchase. I refinanced with another lender in XX/XX/XXXX. I recently received a refund from my Wells Fargo Escrow account in the amount of {$150.00}. I believe I am due much more than this amount as explained below. 

Wells Fargo collected a total of {$5800.00} from me to cover my escrow account expenses. 
Below is a list of the dates and amounts of each escrow payment I made to Wells Fargo. 
XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXXWells Fargo escrow payments on my behalf XXXX {$1400.00} - XXXX and XXXX {$1400.00} XXXX XXXX Tax XXXX {$1100.00} - XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX and HomeThe payment of {$1400.00} to XXXX XXXX on XX/XX/XXXX should not have been made. I switched insurance carriers from XXXX XXXX to XXXX XXXX XX/XX/XXXX and notified Wells Fargo of that. Wells Fargo paid my XXXX XXXX premium of {$1100.00} on XX/XX/XXXX but also paid XXXX XXXX {$1400.00} six days later and apparently expects me to cover this payment. Total legitimate Wells Fargo expenses were {$4000.00}. My escrow overpayment was {$1800.00} which I 'm requesting Wells Fargo refund to me. 

When I refinanced the mortgage XX/XX/XXXX the total loan amount I owed to Wells Fargo was {$110000.00}. The payoff total they supplied to my new mortgage company was {$120000.00}. This resulted in an over payment of {$1200.00} to Wells Fargo which I 'm requesting Wells Fargo refund to me. 

The total amount due me is {$1800.00} Escrow Payments {$1200.00} Final loan payout $ XXXX {$150.00} = {$2900.00}. 

I 've attached the following:1. My XX/XX/XXXX mortgage statement from Wells Fargo showing the remaining amount due of {$110000.00}. My HUD Settlement statement showing a payment of {$120000.00} to Wells Fargo. 
3. A Wells Fargo Account Activity statement detailing the same payment. 
4. The Final escrow account disclosure from Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: ditech mortgage through erroneous handling of payments I made on my mortgage is claiming that I owe a larger principal balance than is accurate. 

I have spoken with them multiple times, and provided supporting documentation, but they have failed to contact me in return once all information was provided to them - they fail to contact me to resolve the issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was late on XXXX mortgage payments to XXXX XXXX XXXX. They told me to send them {$1400.00} overnight, which I did. Approximately 2 months later they returned my payment and filed for foreclosure. I attempted to make payments on several occasions but XXXX XXXX XXXX would not accept them. XXXX XXXX XXXX was unable to complete the foreclosure and were forced to reinstate my mortgage. XXXX XXXX XXXX claims I was late on XXXX payments while they were foreclosing, but in fact they would not accept payments. No payments can be made during a foreclosure, therefore they could not possibly be late. 
I was only late on payment for the months of XXXX, XXXX, and XXXX of 2010. XXXX XXXX XXXX does n't even show those payments as being late. Any subsequent late payments must be removed from the report becuase they are not accurate. 
I want XXXX XXXX XXXX to remove the late payments from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account was involved with fraudulent activity.Now I am $ XXXX dollars in debt with Bank Of America XXXX 

Company response: Company chooses not to provide a public response