AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX, XXXX FRAUD ALERT. 
Re : Respectfully Request an Investigation on the following : Failure to Disclose and Misrepresentation of Fact On XXXX XXXX, XXXX, I purchased a home and upon having the water turn on I was informed that the house is sitting on a Septic Tank. I contacted the XXXX XXXX XXXX XXXX and confirm the fact and emailed a diagram over where it is located The listing agent listed the property as public water and sewer. I had a certified inspector to come out that fail to inform me of the septic tank and my agent fail to do her job. 
I attempted to resend the sale and my credit union that is refusing to resend. In addition I did n't received paper work to resind the loan and my right to have the septic tank evaluation. 
I was defraud by my agent, the seller and the inspector. I believe that it is that there is something wrong with the septic tank and possible sitting on some sort of sink whole. A could cost from XXXX, I also discover that in XXXX, there was a {$13000.00}, insurance payout on the property. I also believe that listing agent possibly are selling these foreclosures with major home repairs and leaving the consumer with the bill and possibly foreclosure. 
In XXXX of XXXX, I live in a house where the septic tank back-up and sewage came back into the property my property was damaged and the landlord refuse to help me. I moved out and living with my sister to save to purchase a home. 
I contacted the Consumer Protection Bureau stated that I have three-years to resend the sale because I was n't in the disclosure papers. My agent text me and ask if I wanted to sell the home. I 'm XXXX and the happiest day of my life is now the saddest. I was scam Buyer Agent - XXXX XXXX XXXX XXXX XXXX - XXXX, GA XXXX XXXX XXXX Listing Agent/Broker XXXX Real Estate XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX - Certified Home Inspector XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Navy Federal CU - XXXX Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX reports my mortgage was in collection and charged off which is not correct. XXXX has not investigated this matter properly. XXXX can not show me or XXXX any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because Transunion shows a XXXX mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from XXXX. I contacted them after being denied for credit and they have initiated a reinvestigation. 

I provided Transunion with loan details showing I was not in collection and there was no negativity on my account. Transunion could also review past credit files to see XXXX never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage is scheduled for foreclosure sale in XXXX. I have been trying to do a modification on my home for months now but to no avail. Please assist me as I am trying to save my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: applied for credit card with USBank that promised a free XXXX night with every award reservation. Paid the annual fee and met the spending threshold. Then they changed the card terms to take away the benefit 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX PROCESSING CENTER Your continuous DefraudingXXXX XXXX and gouging us financially isXXXX XXXX XXXX XXXX illegal by law. 

In reference to our Loan Statement dated XXXX/XXXX/XXXX which you continue to misled us about our Loan Payment Statement asking for month of " XXXX XXXX, XXXX payment was already Paid " Check No. XXXX. Plus copies of XXXX and XXXX XXXX accusing us we never paid. Now it deemed especially egregious the discourage repetition of misleading and deceiving us with your unlawful practices conduct. 

Your " fraudulent conveyance or other transaction with intent to Defraud us or to defeat our credit preference, plus gouging us financially is obvious. Your Payment processing center has had been told several times about our Mortgage payment never late, nor behind in any way shape or form. But, your continuous unscrupulous, maladminister conduct with our Mortgage loan payment become a malady toward ( XXXX XXXX. XXXX ) type maladroit activity. 

From the very beginning when our Loan processing started in XXXX XXXX and finally closed in XXXX XXXX, XXXX was the most extreme Maladminister and awful feelings my wife and I ever experiencing in our lives purchasing a home through so called ; .Loandepot Maladminister conduct obviously. We were paying {$1000.00} several times, until we found out Loandepot defrauding us with our Loan payment. Fraudulent conveyance information with my ( tax-exemption ; Code : T XXXX ) and also our Mortgage insurance disregarded by forcing {$100.00} on Escrow ( for Taxes and Insurance ) which brings it to {$1000.00} ; while " Praetorian '' is still our mortgage insurance. Loandepot Scheming and gouging us financially ever since. They 're still asking for {$150.00} as an overdue amount without an explicit detail. 
They are not VA Lender by the way. If they are, they will follow the VA guide-lines for Veterans Home Loan Eligibility accordingly. Nothing ; but willful fraudulent scheming and, financial gouge type of Loan Depot of course. 


Sincerely SubmittedXXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX VeteranXXXX ... ... With ... ..HONOR, COURAGE, AND COMMITEMENT 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Collection attempts still being made after chapter XXXX by this specific collection company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I noticed that some company XXXX XXXX XXXX put a notice statement on my credit report. This company does not have the right to put comments on my report and I never did business with them and also the bureau allowed such statement from this company to be put on my credit reporting without my authorization and never notified me of such a comment. this is illegal also being that this company does not give me an address or number to address this complaint. I want this removed immediately or legal action will be taken. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened a checking account with Wellsfargo Bank in XXXX XXXX in XXXX, Florida and was informed that a monthly fee of {$10.00} will be assessed on my account if the usage frequency of my Debit Card from my account does not exceed XXXX transactions per month. 
On separate ocassions, a {$10.00} was imposed on my account despite having more than XXXX transactions in the monthly cycle. 
Upon inquiry after the first assessment, I was informed that the cycle was from XXXX of the month to the XXXX of the following month based on the opening date of the account. When a second monthly fee was imposed on XXXX XXXX, I contacted the bank and was informed that the cycle started and ended on XXXX of the month. I then pressed the banker who assisted me as to how a cycle can vary that widely XXXX XXXX to XXXX -- 5 business days ) and how a consumer can play by the rules if the target ( deadline ) keeps moving. 
I argued that such an arrangement is unfair to the consumer and the monthly fee assessment should have been based on a calendar month, or at least on a fixed monthly cycle so that the consumer does not get charged with fees via such sneaky tactics. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A loan was taken out in my name. I was sent a letter saying I had taken out the loan when I had not. I called to learn more and was asked to provide my social security number, I did not. Then I got a letter saying I owed on the loan I never took out. I wrote the company to dispute the loan. I then got a letter saying I would be reported as not paying the debt. The debt was on my credit report. I disputed this in writing, filed a police report, put a fraud alert with the credit agencies. The company is Greensky Loan Services. Located in XXXX, GA. The company number on the credit report does not go to a working number. However, after I called, someone called me back and said they had received 1 of my written disputes. They again asked for my social and asked me to fax the police report. I did this. It seems odd that this company created a debt, and reported this to the credit agencies. It may be a case of stolen identity, or it may be a scam by this company Greensky. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX and I received attention in the XXXX. On XXXX XXXX, XXXX I received a hospital bill stating that I had to pay {$450.00}, which I paid in time. On XXXX XXXX, XXXX over a year later, I received a notice from a company called XXXX XXXX XXXX and they informed me that they are a collection agency that took over the account of the company XXXX XXXX XXXX XXXX XXXX XXXX which was a company charging me {$1500.00} for the doctor 's bills. They were charging me because I did not pay. I called XXXX XXXX XXXX XXXX XXXX XXXX and asked them why they sent me to collections if I did not receive a notice from them for over a year. They told me that they did try to communicate, but they never received a response and I asked them why is it that they say that they tried to reach me when I never received any notification but received a letter from XXXX and they did have my correct address and means to reach me. They advised me that they could not do anything because the account was in collection. I called XXXX XXXX XXXX and made payments arrangement. So far I paid XXXX a total of {$500.00}, with my last payment being made on XXXX XXXX, XXXX. On the first week of XXXX XXXX, I received an online notification from XXXX stating that I had an open account place in collection from another company named Revenue Recovery Corporation from the amount of {$1200.00}, which is a surprised since I paid to XXXX {$500.00}, so the amount should be {$1000.00}. Where the extra {$200.00} came from? I called XXXX to asked them why they sold my account to another collection agency. They answered me that the account was closed by the original creditor and I should call the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX and they told me they do n't know why XXXX closed my account when I was making payments. I called the other collection agency Revenue Recovery Corporation and ask them when are they planning to inform me about this account on my credit report. To this day XXXX XXXX, XXXX I did not receive any kind of communication from them. Is this tactics legal? Is this the right way to conduct business? I want to complain because the company XXXX XXXX XXXX XXXX XXXX XXXX sent me to collections without notice after a year. I also want to complaint about this new collection agency Revenue Recovery Corporation as they say I owned {$1200.00} which in reality it should be {$1000.00}. Why are they charging me {$200.00} extra? Why did they report me on my credit report when I was paying to the other collection agency? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I successfully completed my Chapter XXXX bankruptcy and the discharge was sent to BSI by the court, my attorney and myself by USPS and fax. They claim to have not received it, have not cashed the final payment from the BK court and are refusing my payments because they state I am still in BK. Wait times are ex- cessive, employees are rude, calls are not returned and they are great at dumping you into emails that have no contact information and nothing is getting done. This is placing my 'fresh start ' after BK in serious jeopardy and I am beyond panicked at the thought of this ruining my future when I am clearly trying to do the right thing. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My current bank BB and T. Is changing the order of processing transactions and automatically applying overdraft fees to accounts for pending purchases and not processed ones and will not refund the fees if the pending purchases do not go through or are cancelled. They have also placed holds on cash deposits that I have made through the atm without an envelope, and which should have posted directly to the account. I paid a bill at the bank with a check on XX/XX/XXXX and had over {$1000.00} in my account and was still given a fee for the check because a purchase was made with debit card the next day after business hours that they took out first and not the processed check. I do not like how they are reordering transactions for so that they are able to assess fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had 19 years left on a 30 year mortgage with Citibank and, in XXXX, I missed a number of payments due to being out of work. I worked with a loan specialist at Citibank and informed him that I had gone back to work and would now make up for past payments. During a 5 week period in XX/XX/XXXX and XX/XX/XXXX I made 3 mortgage payments, which only left me 2 mortgage payments behind, but Citibank sent all 3 payments back to me and began foreclosure. Citibank did not lower my interest rate ( even though I asked them 3 times to lower me to the then current 3.5 % rate and change my term to 15 years, which would have raised my monthly payment less than {$15.00} but would have shortened my term by 4 years. They refused to extend those terms to me. Instead, they re-instituted my mortgage at the same interest rate along with my original loan principal balance for a 40 year period. So now, I am paying off the same exact balance as my original loan amount ( {$70000.00} ) over a 40 year term at the same rate ( 7 % ). I owed them my payment for 19 more years and somehow they added an extra 21 years to the term of my mortgage. They did not lower my interest rate nor did they forgive any of the principal balance. In other words, instead of making my mortgage easier to pay, they made it more difficult to pay by adding an extra 21 years to the term of my loan. As it was, I was going to pay {$160000.00} to repay the original mortgage I agreed to, and I have no issue with that, however, Citibank added an extra 21 years to my mortgage which will require me to pay an additional {$110000.00} for my mortgage - and that, I did not agree to. So, all told, I now will have to pay {$280000.00} for a 30 year mortgage at 7 %. And this is on top of the fact that I was working with a mortgage specialist and, as of XX/XX/XXXX, had they accepted my 3 mortgage payments, I would have only been 2 mortgage payments behind which I would have gotten caught up with by XX/XX/XXXX. Had Citibank accepted my payments, I would now have just 15 years left on my mortgage at {$780.00} per month but instead, I now have 37 years left at {$780.00} per month. After they " modified '' my loan terms, they sold my loan to XXXX. My belief is that Citibank probably did this with XXXX borrowers, and falsely pumped up the value of the loans and then sold them to another financial institution. If that 's what is allowed in the world of high finance then it is what it is, however, I owed 19 years on my mortgage at 7 % and now I owe 37 years at 7 % - with the same exact principal balance I had on the original mortgage I assumed when I purchased the house. Something seems very wrong here and I am asking for your assistance in rectifying this matter. I have all my paperwork right back to the closing documents. I figured it would be easier for you to tell me what it is you need from me rather than me just sending you all kinds of paperwork that you may not need. I thank you sincerely for your help in this regard. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've asked to be release from a verbal service I made with XXXX for XXXX a month due to the fact I have not received the service I was promised by a XXXX representative. I asked my credit card company to no longer accept the charges, I protested the charges, sent documentation showing I had asked the charges stopped and they continue to charge my account. In fact they raised my ability to charge more so they could accept the realtor.com charges. I feel my credit card company is continuing to charge my account so they can continue to charge me high interest rates. I want these charges stopped and credited back to my account. I 've been an on time client with this company, XXXX credit card service and instead of working with me they 're working for XXXX. Please help me. I ca n't afford a service that 's not being offered. I can send all the documentation if you have a way to upload it. Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have advised on several attempts to all XXXX major credit reports the following files do not belong to me and should be removed off my credit file. XXXX XXXX balance XXXX shows charge off and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX {$230.00} was paid prior to collection activity, I have disputed this information for almost a year and they are not cooperating 

Company response: Company chooses not to provide a public response
Consumer complaint: i am not able to open up a bank account because when i was XXXX i opened up my first bank account with bank of america with a counterfeit check that i received in the mail. i was young and i did n't know any better because it was my first bank account. the way i got a the check was by applying online to a job that was being a secret shopper. the point of the job was to give feed back about the shopping experience. so they sent me a check and i did not know it was fake. i did not try to withdraw any money either i just wanted to deposit the check but not take any money out. i was a victim of a scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. 

I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. 

I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. 

Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. 

When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. 

Sincerely, XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX ) 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX used my s.s. number without my authority and did a hard credit check, and I did not know about it until I got a credit alert from credit karma. And I wish to have the hard credit check removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I put {$560.00} cash into an ATM at the Wells Fargo, XXXX XXXX location. The machine took the money and my debit card but did not credit the account. When I went inside to get my cash and card back they told me they could n't do anything and to call the 3rd party ATM vendor. I can not feed my children this weekend because I no longer have access to my {$560.00} after the ATM machine took the money and did not credit the account. It has been 2 hours and still no $ XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a car impounded that was not in my possession on XXXX/XXXX/XXXX by XXXX and towed by XXXX XXXX and was not notified of the impound by XXXX XXXX. Everyday the car is held there is {$33.00} in storage fees assessed. The first notice received was from the DMV for a lien sale 84 days later with incorrect fee information at {$230.00} and no tow date to verify the fee was correct. At that point had racked up almost $ XXXX in fees. Since then the car has been sold and the balance that was left after applying what the car sold for was sent to collections in the amount of {$2100.00}. 

I sent Ascension Recovery Management a letter via fax on XXXX/XXXX/XXXX disputing the debt on the grounds that I was never notified by the original creditor XXXX XXXX that they had the car impounded and was only notified by the DMV almost 3 months later. 

I received a call back within the hour from someone that worked for Ascension who quickly escalated the call to XXXX, a supervisor. XXXX stated that she could validate the debt by what was required by law by CRA Debt Validation form but would not do anything more beyond that. I asked for a copy of the original letter of notification from XXXX XXXX letting me know that they had my car impounded. She said that she does not have a copy of that and believes XXXX XXXX does not have a copy of it either. I spoke to XXXX XXXX in the previous month and they did state that they in fact do not have a copy of the letter I am requesting. The reason I am asking for a copy of this letter is because I am suspecting that it was sent incorrectly to the address the car was previously registered to. When I spoke to XXXX, she confirmed the number on file was the phone number attached to the old address, not what I had updated the DMV with on XXXX/XXXX/XXXX. 
I tried to reason with XXXX letting her know that what I wanted was a copy of the original letter notifying me that the car was impounded with XXXX XXXX near the date of impound as required by law. With that letter we can validate the debt to being mine and correct. If I received this letter I would not dispute the collection. XXXX stated that they would not send me a copy of this letter nor would they remove this collection from my credit report. She said I had to wait for the collection to go away on its own ( which it will in a few months ) She got frustrated going in circles with me so she said " had a good day '' a few times and hung on me. I come from a customer service background and hanging up on a customer is not an appropriate response to conflict. I could understand a hang up if I was being rude or disrespectful. I felt like she was treating me like I was making a frivolous request, especially after she hung up on me. 

Company response: Company believes it acted appropriately as authorized by contract or law