AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am currently involved in a construction loan with First Guaranty Mortgage Corporation. This is an FHA construction to permanent loan that was approved at the beginning of 2015. I initially had a good faith estimate done and agreed to the terms. During the process the company changed my amounts and interest rate from what was quoted me stating that my paperwork I signed was out of date. They proceeded to increase my rate along with requiring more of a down payment. During this time I started building the home grading and such to keep my progress moving forward so I incurred costs that were built into my loan for reimbursement. I submitted these to FGMC as the actual line items on my loan from the budget we created. I was told that these will be prepaid payments and not reimbursable. These amounts were built into my good faith estimate and when I received final docs the loan changed by these amounts. Prepaid items became deposits and the amount for withdrawal for my construction build shrunk by approximately XXXX. I confronted them about this and they explained that I still had a 10 % overage built into the loan. I asked them to point this out in the loan but I was ignored and come to find out this is not in the loan. I have asked for an increase in the loan to cover the amounts of my first reimbursements only to be humiliated by the loan company stating that " with the contractors and my experience they do n't see how this could have happened ''. I 'm trying to scrape funding together to complete my house but so far no luck. My warning to all would be if you are looking for this type of loan, do not use FGMC. By the way I have completed a home in the past using XXXX. I did very well and ended up selling this previous house for a profit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have Best Buy credit card ( Citibank ), and have been receiving harassing calls after paying my {$25.00} payment - not exactly a huge debt. 

With my husband having been recently been hospitalized, right or wrong, that small payment was last on my to-do list. Yes, I was late ; however, I took the initiative to call them directly this morning ( approximately XXXX on XXXX ) to make XXXX payments ( {$50.00} ), including the scheduling of the next. By about XXXX, I noticed I had missed another call from Citi/Best Buy with regard to my outstanding payment despite having satisfied it. In response, at XXXX, I called Citi/Best Buy again to ensure that my account was up to date, considering I received such confirmation earlier in the morning. She said all was well, and that they 'd cease the calls. 

Sure enough, at XXXX I was called again by the same number ( XXXX ). This time I explained to her that I 'd verified TWICE that my account was up to date, and that this was the second harassing call after having paid. I politely warned them not to call again, but my expectations are low. The representative, in a condescending tone, blamed it on their auto dialing system. She abruptly hung up on me after I mentioned the fair credit reporting act and my intent to file a complaint. 

As someone who worked for a XXXX XXXX institution that took its fair share of penalties a few years ago, I know there is absolutely NO reason that their so-called " dialing system '' ca n't be linked to updated account data. It 's ridiculous and rude. I 'm sure I 'll get another at XXXX and likely again tomorrow. If there is anything that can be done, I would appreciate it immensely. 

I did a little research on the toll free number I mentioned above, and saw similar complaints on XXXX notes-type sites. Apparently Citi and Best Buy are known for this. ( I have accounts with other institutions, and have not had a similar issue. ) Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been living in my home with my wife and XXXX children since XXXX of 2010. Everything was going well as planned until we ran into some financial issues. Our current mortgage is thru Bank of America and after falling behind a few months on my payments, I reached out for assistance. At first they tried to give me a 3 month forbearance, but after completing all paperwork required, and XXXX payment submitted, they decided to return my check and tell me that I did n't sign the last XXXX sheet in time, so I 'm no longer approved. Since then I 've been in touch with a representative who was trying to work with me on submitting more paperwork to be reviewed for help, but they came back again and tried to say I made a few XXXX more than I did. I was advised to resubmit the paperwork again with the figures that were exact ; I was told that if I do n't get approved then my only choice will be a short sale or foreclosure. I ve repeatedly expressed that I 'm willing to do anything and make payments but they do n't seem to care. I thought they 'd want to help someone willing to make payments but they 'd rather try and foreclosure or make me do a short sale. I do n't know where to go from here if I can not get assistance 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX held a XXXX mortgage on our home, release the lien and sold the debt when the home went into foreclosure by the XXXX mortgage holder. XXXX then sold the debt to Green Tree Financial, which I now know are, aka XXXX XXXX XXXX XXXX XXXX, aka DITECH Financial LLC. 
XXXX and Green Tree were both notified of the bankruptcy filing. Since that time I 've starting getting collection letters from Ditech, which is same parent company. I called and gave them the bankruptcy case number and the lawyers phone number, The ' XXXX '' who would n't give his agent # or other ID, was very nasty in telling me that they could contact me all they wanted by mail unless I sent them a letter telling them not to. I re-explained the bankruptcy filing to him, but he was rude again. 
Now the bankruptcy was discharged on Monday XXXX XXXX, and on Friday the XXXX I received another collection letter.. BUT it 's dated XXXX XXXX Odd that, and the envelope has no postmark date. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Continental Finance is charging me a {$5.00} fee per month on a closed account, i.e. of the {$35.00} I pay per month, {$5.00} is some kind of account maintenance fee, unrelated to interest charges. I do n't know if this is legal. I live in Iowa. 
Payments are always made on time. 
A statement is attached, showing the charge. They only have the past XXXX statements available online ; I estimate that there are XXXX or XXXX such payments 

Company response: Company chooses not to provide a public response
Consumer complaint: I was with Nation wide bi weekly program and i have got XXXX notices over the weekend saying that my account is temp suspended. I tried to call I want to make sure they have my extra payment that is supposed to go to my house now on XXXX XXXX and no one will answer they say they are having technical difficulties. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Experian and XXXX REFUSE to remove the credit accounts ( XXXX, XXXX and XXXX ) from the potentially negative/derogatory category 5+ years after bankruptcy discharge. 
This is in direct violation of the relief guaranteed under the Bankruptcy Law. All negative and derogatory credit files shall not be reported as NEGATIVE. They may remain on the file for " UP TO '' 7 years from delinquency, but may not be reported as NEGATIVE. 
Experian and XXXX. 
Both Agencies are Fraudulently reporting Negative Credit activity POST-BANKRUPTCY, making creditors " think '' I have bad credit AFTER THE BK. I have perfect credit Post-BK and I want these accounts removed from the derogatory reporting category. 
I also want them removed from both my credit reports NOW as compensation for the false negative reporting. 
Neither Agency will comply with the LAW and are hiding behind the FCRA 7 year rule. This rule does NOT allow the Negative reporting Post BK discharge and Neither does Federal Bankruptcy Law. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America cleared a cashiers check that I had deposited. I spent {$3300.00} of the {$7500.00}. BofA notified me today that the cashiers check was fraudulent and that they are holding me responsible for the money spent. They are at fault for clearing the check not me. I want the money reimbursed to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Capitol One is reporting that I was late on my XXXX payment to my XXXX XXXX Credit Card Account to all three Credit Reporting Agencies. At the time this happened my account was set up on automatic payments from my debit account. I noticed my checking account had not paid my account. So I called XXXX XXXX Credit Card Services. They verified that they had not received my payment because Capital One was no longer going to service my account so I paid my account. At that time I was 5 days past the due date not 30 days late as reported by Capital One. In fact XXXX XXXX credited my account the late fee that had been added and updated my information about my checking account. I was also informed that XXXX was sending me a new card in the mail and that they would be handling my account. I did in fact receive my new card in the mail. The account number is XXXX. I contacted Capitol One on Friday XX/XX/XXXX and provided my Social Security Number to them. However they could not find my account number. I did obtain my account number XXXX today and provided it to Capitol One. Now Capitol One insists that they have no record of this account and refuses to remove or correct the falsely reported 30 day late on my Credit Report, and they insist that XXXX is making this report and to contact them. I called XXXX and they informed me that they can not make any report to the Credit Bureaus about my old Capitol One account and that it is Capitol One who is reporting this information. I also filled disputes with all three of the Credit Bureaus as well. I spoke to an agent at XXXX XXXX this morning who informed me that even if I am correct that they can not change my report even with proof. I appeal to CFPB for protection and request that our Credit Reporting Agencies be given the authority to correct our Credit Reports if the Creditor or your agency is able to provide proof the report is not accurate. I also appeal to CFPB that Capitol One be required to update my information and report my payment history as paid on time as agreed because it is true. Capitol One no longer services my XXXX XXXX Card. At that time XX/XX/XXXX Capitol One did not obtain my payment even though they were responsible for obtaining the payment from my debit account. As a result of Capitol Ones mishandling of my account caused me to be 5 days late not 30 days late. It is my belief that Capitol One intentionally did not take my payment from my debit account on time as they were required to do because of their failing relationship with XXXX XXXX at that time. It is my understanding that Capitol One has no proof that my account was not paid as they no longer serviced my account. I paid XXXX XXXX on the phone so XXXX received my payment and reported receiving my payment on time as agreed. This is all a big misunderstanding that I had nothing to do with. It was between XXXX XXXX and the banks. Please investigate this matter and make Capitol One correct this report to show I paid my account on time as agreed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an old credit card debt that turned into a judgment. I have been trying to get in touch with someone to get this resolved since XXXX 2015. My account is with XXXX and the only way to contact them is through fax. Finally, I talked with someone on XXXX/XXXX/15 and was offered a reduced rate settlement. I was supposed to get a letter from them, but still have not gotten it. I have even send copies of all faxes, confirmations, etc. to XXXX XXXX ( CEO ) via mail and e-mail to ask for assistance in getting this resolved so that I can purchase a home. No response from him either. After finally talking with the resolution department, they found out that the letter that they were supposed to send to me, was actually sent to an attorney that I do n't even know who it is. So they sent my personal information to someone without my knowledge that told them that they were representing me, who is not. After I finally talked back to resolution, they put in another request for this letter to be sent to my home address. It has now been three weeks and I am no closer to getting this resolved. I have never in my entire life had someone not wanting to take my money for a debt that I do owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: It shows on my credit that I have a {$75.00} balance still do to a collection angency. I called that agency and they have notified me this balance was paid in 2012!! Why is it still on my credit report and its affecting my score to get any types of loans. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I visit www.annualcreditreport.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, Citibank contacted me about a decrease in my credit limit ( a decrease of {$2500.00} ), due to items that had appeared on my XXXX credit report, which stated that if the credit report changed, I could have them reevaluate the decision within 60 days. On XXXX XXXX, I contacted them and they stated that they only could request a credit limit increase, there was no process for disputing their previous decision. They requested a credit limit increase and the increase was denied, and were not able to provide me with a reason. Their decision was triggered incorrectly and they have unfairly prevented me from reinstating my prior status with them even though the factors that prompted their decision have been proven to be in error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I need assistance getting a foreclosure sale that is scheduled on XXXX/XXXX/15 postponed. I am behind in my mortgage payments and have reached out to my mortgage company for help. They told me to send in all the application paperwork so I can be considered for a loan modification which I have already sent in. Now they are telling me it is too close to the sale date to do anything, please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My current lender is XXXX Mortgage. I sent a payment of {$1500.00} on XXXX XXXX 2015 which was deposited by mistake into Freedom mortgage 's account. I contacted freedom mortgage and their loan servicing dept contacted me on XXXX/XXXX/2015 and advised me that they had found my check and would refund my money first to Freedom Mortgage and then to my lender XXXX. 
To date XXXX the money has not been sent to XXXX. I have tried to contact Freedom Mortgage and XXXX servicing several times to find out the status of my refund with no success. I need to get this money sent to XXXX so they can credit my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX knowingly and incorrectly reported that I had n't paid a bill. The bill was incurred by someone who had been a secondary on an account that I had closed. The secondary, an employee, had also opened his own account with XXXX. The charge should have been charged to his new account and not to mine which had been paid off in full and closed. Experian refuses to accept the evidence I have that proves this was never my charge. There are also multiple misstatements on my credit report with Experian. I have had a spotless credit history for XXXX years excepting this XXXX incident with XXXX. Experian is defaming me and, of course, also hurting my prospects for acquiring new credit. I 'm entertaining the notion of suing them for defamation unless we can resolve this matter through the CFPB. How is it that XXXX refusal to pay a charge that was never mine in the first place for {$100.00} led to a drop of XXXX points in my credit score? How is that permitted by any law that governs the behavior of these credit bureaus? I do n't know if I 'm more astonished/shocked or infuriated. But basically both at some level. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed an account XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Consumer Financial Protection BureauDear Sir/MadamSubject : formal letter of complaintI am submitting this complaint because I was the victim of a scam, facilitated by the lack of proper process at the bank. My prospective employer sent me XXXX checks to procure supplies, needed to start a new job. I deposited the checks and used the money to purchase equipment ( which never came ), and the checks bounced. 

Since XXXX XXXX 2015 I have been having the following problems : On XXXX XXXX, I deposited a check into my account for the amount of {$1900.00} as indicated on attachment XXXX. On XXXX XXXX all of the funds were available for me to use. I withdrew the money in order to conduct my business. Then on XXXX XXXX I deposited another check for the amount of {$4100.00}, which again all funds were available that same day as evidenced by attachment XXXX. The next day on XXXX XXXX, I withdrew the money needed to complete the business of that day. 6 days later on XXXX XXXX, I reviewed my account and it showed that I was now in a negative balance for total the amounts of the first check and on XXXX XXXX shows the negative balance for the second check. Bank of America made the funds available to me the day after I was victim of a scam and if Bank of America had properly verified the funds, I would not be in this difficult situation. Now that Bank of America was not able to process the check properly and no fault of mine I am being made responsible for the funds. This is unacceptable. Bank of America processed the checks and made the funds available and then determined that they could not get the funds from the institutions that the checks were from they have decided to make me responsible. The funds should have never been made available ir the checks had not cleared. The total amount of the checks has been levied against my accounts for me to pay. I request that Bank of America has a responsibility to have a proper process, and investigate the problem. Bank of America cover the amount of the checks and credit my account accordingly. I at no time during these transactions pushed to have the funds any earlier than what Bank of America made available. I informed to Bank of America by phone and at a local branch, and tried to request and investigation after I reported the problem to the police. ( Case numberXXXX, XXXX, FL Sheriff Office ) With every attempt that I made to pass this information to Bank of America, no one wanted to listen or open a report, and I was transferred to the collections department so that arrangements could be made to pay the money ) The checks were a scam on the prospect of my being able to start a new job. It was an elaborate setup and I carefully researched and the opportunity looked real. It was not. I have all of the paperwork and information on what was done and how they were able to make it look like a valid job offer. Please address this immediately. I anticipate your response. You can reach me at ( XXXX ) XXXX or XXXXXXXXXXXX XXXX. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am submitting this complaint after months of frustration dealing with Bank of America 's Line of Credit Division ( BA ). Despite numerous requests and clear evidence, provided by BA, I am unable to obtain accurate credit history of my Account, reported to XXXX, XXXX and XXXX. I am trying to refinance my mortgage and this inaccuracy is negatively impacting my credit score, which in turn negatively affects the interest rate ( higher rate ) I am able to obtain on the refinance, which in turn will result in paying substantially more money in interest charges. Attached is a file containing the following Exhibits:1. Exhibit A - BA letter dated XX/XX/XXXX stating that my Account was established in XX/XX/XXXX and there have been no late payments made on the Account2. Exhibit B - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating one 30 day late payment in XXXX XXXX. Exhibit C - BA letter dated XX/XX/XXXX, with the same information as the XXXX XXXX letter4. Exhibit D - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account and the unwillingness of BA to confirm that there are no late payments5. Exhibit E - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the unwillingness of BA to confirm that there are no late payments6. Exhibit F - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating that the Account is still being reported incorrectly7. Exhibit G - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating the Account has no payment history at all, which negatively affects my score since I have 48 months of perfect history not being factored into the score8. Exhibit H - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account ( no history and XXXX Accounts ) with a call into BA9. Exhibit I - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account with a call into BAThere seems to be no other way to get through to BA except filing this complaint through the CFPB. At this time I am asking that you request BA to immediate correct this error and to send written communication stating the correct history be reported immediately. I would also request that they place authorization on file to verbally confirm my pay history with XXXX XXXX, XXXX, XXXX and XXXX. I am not sure if you can levy fines or penalties for this type of behavior, but I would also like to see some type of fine levied on BA. 
Thank you for taking the time to review my complaint. 

Company response: Company chooses not to provide a public response