AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Bank of America is again pushing their terms on me but years back I asked for proof and documentation that I am bound to Bank of America terms. Yes, this is an old issue but BOA has never provide proper and appropriate documentation. My loan originated with XXXX XXXX, then Countrywide and the question is not IF the loan could be transferred but instead simply want the legal details and documents of the transfer. BOA has sent my original loan docs probably 6 times, their terms countless times, they have said I need to contact others ... None of that is what I am looking for as again, this is not a question of 'if ' just the 'how ' which is the legal transfer of the loan, something signed or sealed by the court ... I however feel those claiming to service the loan and those benefiting from the servicing should be able to provide something as fundamental as this legal documentation, really seems like I should and could stop making my payments until BOA provides this. 

Now for the insurance issue, I do have current coverage on the home and when BOA provices that information, I will turn it over to BOA. Now that BOA can no longer pull money from my account as well as they have done so illegally in the past, I now wonder how they will deal with this?!?!? They can bill me and charge me fees, but I will re-state that my payments are only authorized to be used for principle and interest payments, if BOA terms state differently, then again, prove I am bound by those terms but also consider that the second I provide proof of my coverage, that means BOA is completely wrong with whatever actions taken and I 'm still pretty sure one day all of this will end up in court and the list of BOA illegal and/or unethical and/or inept actions have done nothing but expanded and I 'm guessing it will be interesting, and bad for BOA, when a judge sees what BOA has put me through. Of course I wish the CFPB would actually do their job but that seems like a stretch at this point. 

I will state again so there is no confusion, the payments I currently make to Bank of America are to only go to the principle and interest payments on the account, no part of the payments are to be used for fees or other charges. Further, I request all fees to be presented in writing and via USPS mail service, not digitally since BOA deploys deceptive reporting in an effort to confuse consumers ( using a general ledger format ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted the same paperwork to Wells Fargo Home Mortgage on 3 separate occasions. 
It appears that the constant requesting of paperwork is a stall tactic by this agency to avoid helping consumers. All of these delays have an effect on consumers financial status or their abilities to carry on their daily lives, but expediency is not a quality demanded of Wells Fargo Home Mortgage. Delaying the process is also a loan shark tactic that designed to cripple the consumer financially by further damaging their credit worthiness. A policy should be in place that if a mortgage company fails to operate in a professional and expedient manner, they will not be allowed to report any information to the credit bureau. This would at least equal the playing field for the consumer. How many time do I have to submit the same paperwork before I get a solution to my problem. Wells Fargo Home Mortgage does not return phone calls to their office. Their intent is to not speak with you at all, but to continue with loan shark tactics. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are purchasing a XXXX home and are coming close to the closing date. Several weeks ago we were told by our mortgage broker that the application was being reviewed by the appraisers and that it would likely be declined for several reasons. Everyday we ask for updates, and everyday we are told the letter of declination will come later today/tomorrow. Without the letter of declination we could lose our 10 % downpayment to the seller. 

Company response: Company chooses not to provide a public response
Consumer complaint: i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Specialized Loan Servicing attempted to modify my HELOC account, and is claiming that 4.5 % of {$120000.00} works out to {$790.00} per Month in interest only. 

I contacted Specialized Loan Servicing several times, and they had admitted that these numbers were incorrect. However, upon follow up, I spoke with a supervisor named " XXXX '' on XXXX/XXXX/15, who claimed that these numbers were indeed correct. I believe this represents attempted fraud on the part of Specialized Loan Servicing. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother deposited a bad check into my account with Bank of America, we have XXXX different signatures. I had a business account & a personal account, I paid of the remaining balance to BOA, but they closed my account and claims I still owe them money. I paid them {$220.00} 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hillcrest Davidson & Associate brought an debt and change the original delinquency date of the account from the original lender. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an auto account with Drivetime. When I am late with a payment, drivetime calls me on the telephone three to four times per day. 
Drivetime starts calling me at XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Citi Card. XXXX XXXX. {$27000.00}. 
Citi Bank XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX NV XXXX Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this charge off until a refinance inquiry. 
I have been trying to resolve this account for over two years, and I have not received correspondence from Citi. 
I have continued to make payments without any correspondence from Citi Card. 

Company response: Company chooses not to provide a public response
Consumer complaint: IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have evidence that an imposter stole my social security number. They have made several attempts to have duplicate credit cards belonging to myself sent to a fraudulent address. Therefore stealing my identity. I have reason to believe they may have obtained a copy of my credit report. The fraudulent address appearing on my TransUnion credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please respond. 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA has been intentionally deceiving consumers with their website and mobile app. They set up a draft from an account which was supposed to be changed ages ago and never was. They intentionally left the draft in place and did not switch to my new bank. It creates the look that the loan was being paid but it was not. The loan amount reverses the charge and creates both a late fee and a penalty in an account that is supposed to be dead. This is to the amount of $ XXXX/month extra!! The mobile app is set up in such a confusing manner that I did not see this until I really started to investigate on the computer. Their mobile app also does not function. There are error codes ( I have screen shots ) that do not allow payment at times. This is also intentional and designed to layer their pockets at the cost of the consumer. These complaints are with the home loans as well as the auto lending and are all over the web and their own site. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not have any responsibility for the debt they are trying to collect and I request that this unknown debt be removed from my credit files immediately. 
Furthermore, if they have good reason to believe that I am responsible for this debt, then I want them to mail me proof that make them believe that. In addition, I also request they stop all other communication with me and to my home address, and record that I dispute having any obligation for this debt to all XXXX major credit bureau 's. If they report it to a credit bureau XXXX or have already done so ), then they must report that the debt is being disputed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my social security card and now i am unable to open a bank acct in my name. I attempted to sign up for credit karma, and it 's stating that info does n't match. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have been trying to contact the mortgage servicing company ( Roundpoint Mortgage Servicing ) for weeks to unlock my account. The account was locked because I was forced to change my password and was unsuccessful trying to log in afterwards. I have called the customer service number numerous times, and always get the message " we are experiencing high call volume ... '' etc. I have tried the option of having them call me back, I have e-mailed them, and I have waited on hold for hours at a time. It appears as if they have nobody actually available on the customer service line. 

In any case, I am unable to log in and am unable to contact them, so I can not get any information about my loan, tax info, or more importantly I can not ask other questions that require speaking to someone. Please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX falsely reporting on my credit report on the property are living in and XXXX mortgage has never filed ever with the credit companies. And this is the reason why they have n't reported on this issue because the know the paperwork on this house is improper and are refusing to correct the problem or investigate this issue. So apparently it is legal to file a deed of assignment on a terminated remic years later according to them and the CFPB, HUD, FBI, the mortgage companies etc. And I guess identity fraud is legal to? And have the this info sent to them 

Company response: Company chooses not to provide a public response
Consumer complaint: This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however, Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase, although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015, after I was threatened by Green Tree they would be foreclosing on my house due to late payments, I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification, not their terms. I cant get a hold of anyone to help me, nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud, misrepresentation and a violation of the FCRA. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I haved filed with Complaints against XXXX with Consumer Financial Protection Agency against XXXX and now XXXX is damaging my credit and harrassing me everyday and nights and weekends in trying to collect a debt l do n't owed since 2015. 
My last filed complaints with Consumer Financial Protection Agency was filed on around XXXX XXXX, XXXX.filed XXXX complaint # XXXX. 
XXXX has collection company lC System Inc harrassing me on my cell phone XXXX and leaving voice messages. 
I am on XXXX XXXX XXXX and XXXX. 
I am taking prescribed medications. 
I am also a XXXX Military Veteran. 
Under my XXXX XXXX XXXX Act Laws Civil Rights XXXX or IC System Inc can not collect no debt under Federal Government mandated XXXX XXXX XXXX Laws Civil Rights and XXXX XXXX and XXXX can not display collections on my credit report. 
This is a Federal Government Consumer violations of the XXXX XXXX Laws implemented by Congress XX/XX/XXXX.for XXXX Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I was contacted by this collection agency who wanted me to pay a bill for radio station air-time. I never ordered radio station air time ( my son owns a bar in XXXX and he may have, but I never did, have no connection to the bar or the radio station ), and asked them by phone and mail to cease calling me. In XX/XX/XXXX they called again. I sent a XXXX General Law 93A letter, by certified mail demanding they stop. I see they are checking my credit burea report. I complained to the XXXX XXXX Police Dept and they were told they stopped calling me when they got my XX/XX/XXXX letter ... an untruth to Police. So, I want my complaint heard, investigated, and some administrative action taken against them 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been a customer of Bank of America since XXXX, but I have XXXX-30 day credit marks with them. I am unable to get consistent information. I have tried to get the due date changed because I changed jobs. I was even told by customer rep that I had to give the name of my employer to update my information, I advised them I ca n't get calls at my job unless it 's an emergency. They called my former employer several times in XXXX even though I no longer worked there and I told them this information. I want all negative credit marks removed and the credit bureaus advised me that Bank of America can remove them without me disputing it. Bank of America claims they ca n't, I even offered to set up autopay from an account every month. The information given is not correct, Bank of America 's credit department held my payments for no clear reason, even though I never had return payments with them. The customer service rep claimed my bank rejected the payment which was not true at all. I was able to go online with my bank and see the money was already deducted from my checking account already. The credit department even claimed back in XXXX because I made XXXX payments in 1 month, they wanted to make sure the funds were available ( they even acknowledged that I never had a returned payment. I want the credit marks removed due to misinformation that I was given. You do not need my employment information to discuss the account, I was told I had to update my work information. I gave my address because they called my family constantly looking for me and they were very upset about this. My old employer advised me to let them know that I no longer work there. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear CFPB officer, I found out on XXXX/XXXX/2016 that my Citibnk account was closed before receiving any notification. I called Citibank customer service and they can not give any specific reason of closure of the account except for stating my account is not in compliance with their policies. 

I have all my daily online banking and payment activities set up through this account and it is really a big shock to me that Citibank can stop their service like that. I was informed that my account was closed on XXXX/XXXX/2016 and the remaining balance of XXXX+ dollars will be mail to me as check format in 4-7 business days, which I would think is illegal possession of my fund. More ironically, I was charged a XXXX service fee and my account balance as of XXXX/XXXX/2016 is -XXXX and I need to go to the local brunches to make the payment. 

Even though, as per Citibank 's customer service, they have the right of terminating their services based on their policy, I would not believe they can just pull the plug like that. It feels like pushed out of a restaurant whille eating and pushed out of a hospital while treating. 

At least, I would want to know the specific reason of Citibank closing my account. I need them to waive the XXXX dollar servicing fee as of XX/XX/XXXX and pay me additional interest for possessing my fund from the time my account was closed to the time I receive the refund check. 

Thank you very much and your help is highly appreciated. 

XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo continue to charge me late fees on a vehicle that was totaled loss on XXXX XXXX, XXXX and the payment on the account was due XXXX XXXX, XXXX. This was a vehicle that had been refinanced through Wells Fargo. My insurance paid the vehicle off XX/XX/XXXX and the remaining balance was paid in XXXX XXXX all but XXXX. Wells Fargo has charged off on account on XXXX XXXX, XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Received letter from XXXX XXXX, XXXX on behalf of Bank of America. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX could not provide debt validation. The situation was a nuisance and we settled via a stipulation for {$2500.00} with XXXX. XXXX XXXX did not disclose to us he was working with XXXX XXXX XXXX - a debt collector law firm. XXXX XXXX XXXX never provided any information to us via the FDCPA. We were completely unaware of their involvement in this matter until an email was sent to us by mistake on XXXX indicating they were in fact acting as an agent for Bank of America.We then contacted Bank of America , XXXX XXXX , CEO and were directed to a XXXX XXXX after many communications XXXX XXXX indicated this evening we were out of luck. The stipulation was signed # XXXX, it did not matter that the collection agent XXXX XXXX XXXX was not disclosed to us. When I asked for debt validation he said the " statute of limitations had run out '' and " he was unable to provide the validation ''. It did not matter as we signed # XXXX on the stipulation. I indicated to XXXX XXXX had any of this been disclosed to us we never would have entered into a stipulation. Had we known XXXX XXXX was involved along with XXXX we would not have agreed to any of this with Bank of America. There was deception in the lack of disclosure to us by Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was clear it would be punitive measures on our credit report as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our mortgage is current. We make our monthly payments every month, on time or early every single month. NationStar continues to keep not applying our payments despite taking our money every month. Every time that we call them we are transferred and transferred and they keep telling us that theyre working on it, but there is no resolution. We are getting serious default letters when we are making our monthly payments every month. We are at risk of foreclosure come XXXX XXXX, even though Nationstar has been accepting our full monthly payment every month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am having a problem again with this mortgage company, they have changed their name several times in the last 10 years. They started out with the name XXXX XXXX Mortgage changed that to XXXX Mortgage now their name is Ditech XXXX. XXXX XXXX XXXX, SD.XXXX they have other addresses but thats the XXXX i have for them. They are overly aggressive about taking my house. Your company helped have helped me before with this company but they are at it again. They gave me a modiiforcation on my loan about a year ago and i made all my payments on time each month, along the way they keep adding other expenses to my mortgage payment. i keep sending in my regular payment and they start saying i was not making a full payment, that i was only making partial payments and they start putting into my account that i was delinquent but i was making my payment. They added to my payment without letting me know of their change and why, they added taxes, insurance, and their attorney fees for me to pay. Now they are threatening to foreclose for a small amount of {$1400.00}, I need help i am retired and living only on social security. 
PS.By the way my interest rate is 8.25 % and they refuse to lower it. 
Thank You XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion ONLY reported " serious delinquency '' : XXXX not paid for 120 days XXXX XXXX on XXXX credit card account which was paid on XXXX/XXXX/XXXX and CLOSED on XXXX/XXXX/XXXX. I requested correction ( filed complained on line XXXX XXXX XXXX, received letter on XXXX XXXX XXXX that investigation was completed and information on report was CONFIRMED ( NOT true because bank told me they can not verify information after 5 years! ) with XXXX bank - no change will be made. I was told to follow up with XXXX bank. 
I have been calling bank since XXXX XXXX, XXXX multiple times and told that Corporate Office will correct the information, i owed nothing etc., thus i never was notified by the bank about " delinquency ''. Today, XXXX XXXX, XXXX, XXXX bank told me that they can not verify record after 5 years. 
Please help to correct my credit report and my score which has been affected by this error and I am not able to refinance my home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A few years ago XXXX XXXX had not credited two payments I made on their online system. They reported I was over 30 days late to the credit agencies. This was not true. I had proven the payments were made. 
XXXX agreed and sent me a letter to corroborate this. I had to make a prior Complaint to your agency to get this off my credit report. Now I applied for a Mortgage and it was denied due in part to this false entry still existing on the credit report from Transunion. 

Company response: Company chooses not to provide a public response