AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a XXXX mortgage with XXXX XXXX XXXX, in XX/XX/XXXX I fell behind due to the mortgage crisis and me being a lender myself. I also had a XXXX mortgage I fell behind on. Green Tree Mortgage bought my XXXX mortgage from the XXXX lender, the note amount was for XXXX, Green Tree offered me a buyout settlement for XXXX, I was told by my lawyer not to accept it. Green Tree then bought my XXXX mortgage from XXXX XXXX XXXX, time after timer after time I would speak to Green Tree about a modification and then would send out a packet. I would then ask them what the XXXX mortgage payment would be in addition to the XXXX mortgage. Every single time and it just happened today the Green Tree rep would say " YOU DONT HAVE A XXXX MTG '', this is not true I do have a XXXX mortgage. This has gone on for years and years, they can not nor will they provide any info on my XXXX mtg. I was called XXXX time and the rep said " It was forgiven '' I was then called a few months later and the girl insulted and laughed at me when I said someone told me it was forgiven. I am a single father of XXXX and this has been so emotionally draining on me. I want information on what my XXXX mtg payment would be if we did a modification they they never ever give me that info. I even went to mediation with a judge and the lawyers for Green Tree in XX/XX/XXXX and the judge asked the lawyer about a XXXX mtg. The lawyer said he was not aware of XXXX. The judge had the lawyer call Green Tree on the phone and ask about a XXXX mtg. He was on hold in front of the judge for XXXX minutes. Someone from Green Tree finally confirmed there was a XXXX mortgage. The judge then asked if Green Tree would guarantee not to foreclose on the XXXX mtg if I agree to the first mortgage modification, Green Tree responded " No they could not guarantee that ''. The judge then told me not to accept the modification offer since they could come a month later and foreclose on the XXXX mtg. I have tried over and over to get information and Green Tree refused to provide anything. It is a Federal law that they have to provide a borrower information within 30 days of a request on an account, they have violated this law over and over. I have been harassed, spoken down to insulted for years by Green Tree I want an answer about my XXXX mtg. Please HELP 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was approved for a loan modification and was given a lower payment to pay for 3 months before the start of the modification period. The bank reported it as late payments for 90 days when they told me it should say paid a lesser agreed amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm trying enroll I think victim of identity theft I need help of a fraud alert on my info 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the XXXX time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm receiving the attached collection letter however I have never received any bill for this amount. I need verification in writing from XXXX XXXX XXXX that I owe this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed that my name is listed wrong. My maiden name XXXX XXXX XXXX and married name XXXX XXXX XXXX are correct. ( I legally changed my name back to XXXX XXXX XXXX because I am going through a divorce. My name was never XXXX XXXX but it is listed on my report. I would like it removed! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have no contract with this 3rd party debt collector. 

Company response: Company chooses not to provide a public response
Consumer complaint: NC Financial is reporting a past due on my credit report that is not my debt and no one wil remove it. Never signed a note with NC Financial and they have asked me to fax them sensitive personal and financial information that is not proper procedure for a legitimate company. Example would be a faxed copy of the police report and a faxed copy of my bank account number and information. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: THE CREDITOR SUN LOAN DID NOT APPLY MY PAYMENTS SHOWING MY ACCOUNT WAS SATISFIED. 

Company response: Company chooses not to provide a public response
Consumer complaint: Servicer : SPSLoan Number : XXXXProperty Address : XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXXShort Sale Package was submitted XXXX/XXXX/2015. There is a foreclosure sale date coming up of XXXX/XXXX/2015. SPS is refusing to postpone the sale date, and they are refusing to submit the offer to the investor for decisioning. They are refusing to allow any sort of review on the file for a short sale. 

SPS is not delegated to make decisions on the file for the investor. By refusing to submit the offer to the investor and postpone the sale date, they are defrauding their investor and the federal government. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I mobile deposited a check that I received to be a mystery shopper into my USAA XXXX account on XXXX XXXX. I called USAA and they assisted me registering for my account. On Saturday, the XXXX my husband contacted USAA and inquired if the check had been deposited and if the funds were available. We were told that they were. At no time we were told that due to being customers that they released the money. On Wednesday the XXXX of XXXX, I checked our checking account on USAA and found that the check was fraudulent and that the money had been withdrawn from our account. We were never called or emailed. After doing research, we discovered that the mystery shopper was a scam and that the Department of Treasury issued an alert to all Banks about this bank and the routing number. We have come to find out that USAA does not protect its consumers against the fraud alerts issued by the Department of Treasury. We asked USAA to take some responsibility for us being out of {$2800.00} and were told that the depository agreement means we are responsible for all money deposited. We called USAA and we thought that we asked all the right questions, but we were never told that the funds were released because we were good customers. I would have waited to see if the check cleared before withdrawing the money. In addition, because we did withdraw a large amount of cash we were never questions. These should have been all red flags to our banking institution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My loan number is XXXX. I filed a complaint with office of the comptroller of the currency, YOU, and now my account manager explicitly told me that he will not talk to me and have closed my file due the complaint I have filed. Looks like I am being punished for enrolling your assistance in this matter. Now, as a result of your help, no one at the bank is talking to me, giving me any status. They are now moving toward foreclosing my property without a review. The sale date is set for XXXX am trying to get a modification thru my lander. My loan was/is a FHA loan. I qualify for FHA-HAMP. However, in the middle of review my bank XXXX XXXX XXXX XXXX ) transferred the loan to BSI financial. BSI stopped all review and is now telling me that my loan has been transferred to an investor who is not participating in hamp program. How can they change things in the middle of a review and suddenly my loan goes from being qualified to XXXX to not being qualified for XXXX? Does n't that seem like an underhanded thing to do? The internal change in the status of the loan and investor seems like a fraud and unfair. Can they legally do that and foreclose on my home? Could you not do anything about it? 

My servicer is participating in hamp program. As per per treasury guidelines, XXXX XXXX. XXXX XXXX, XXXX XXXX that a reasonable efforts are required by XXXX participating servicer to reach out to a investor for an override or a waver. Under XXXX XXXX. Dir. XXXX, effective XXXX XXXX, XX/XX/XXXX, the servicer must write to the investor requesting a waiver at least once. THEY HAVE NOT DONE THIS. I have asked for this over and over and over again and they have simply told me to go away, short sale the property or they will foreclose. 

In addition, I sent out a RESPA, QWR, to them on XXXX XXXX, XX/XX/XXXX They have completely ignored my RESPA request. The RESPA guidelines are very clear on how the lender must handle the request and timelines. BSI financial is ignoring all those guidelines. It seems that they are slapping us in the face, thumbing their nose at your agency, treasury department and intentionally. As if they they are counting on me, a helpless consumer, not being able to do anything since I do not have resources to match their deep pockets. 

I am hoping that you, a governmental agency who supposed to help us helpless people, is able to do something about it. I would like your help in stopping this bullying by BSI financials and help us stay in our home. We have the income to qualify for a modification and most certainly my FHA loan qualified for FHA-HAMP modification. PLEASE, PLEASE HELP MY FAMILY. AFTER WE FILED A COMPLAINT WITH YOUR DEPARTMENT, BSI FINANCIAL STARTED TO BULLY US AND BECAME MORE ABUSIVE. We do not know who to turn to or what to do. 

We are begging for your help in stoping this abuse and bullying. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: We asked the bank for a minimum net proceeds amount to determine if we could find a buyer. The bank told us on XXXX that acceptable net proceeds of {$230000.00} were required. We provided an offer to avoid the foreclosure. the investor then, after reivew for one week change their mind and now want an additional {$7500.00} above the offer and to reduce commission to 3 % for XXXX agents to split. The short sale national protocol is 6 % between XXXX agents. We reduced the commission to 5 % split between XXXX agents to try to make this offer work. This was the highest offer received in 2 years on market, they turned it down the day of the foreclosure, then 5 minutes before the foreclosure they postponed the foreclosure for offer review again. That was on XXXX XXXX, 2015. Now they have returned today XXXX XXXX XXXX, 2015 ) at the same terms as prior to their review XXXX {$260000.00} and reduce commission to 3 %, split between XXXX agents. So in essence, they are now again more intent on foreclosing on an XXXX service member and his veteran exwife who is suffering XXXX. Therefore we feel that the investor XXXX United Security Financial XXXX is force placing this foreclure by offering terms that no one could oblige. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Repeated automated calls with no identification of who they are trying to contact, or what company they are. Caller ID says XXXX, RECEIVABLESPERF. There is no message left, if I pick up there is a long silence, and then a recording. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving robocalls or human calls from central credit services, INC, ( claiming to be a debt collecting agency ) XXXX XXXX XXXX and other numbers originating from different area codes across the country multiple times a day asking for a person other than me, hanging up after picking up the call, etc. I have spoken to a few of them and asked to take off the list, however, calls continue to come in. if i do not pick up the call, they leave me blank voicemails which fills up my voice mail box to the limit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian will not investigate those collection items XXXX XXXX In which all should be deleted it has been over 7 years and they are still reporting these accounts. There is also XXXX bankruptcy on my file which do not belongs to me should be deleted. XXXX and XXXX are not reporting those bankruptcy neither collection items accept XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: This {$130.00} to XXXX XXXX was to be paid by my insurance I have never paid for a XXXX in my life. XXXX has it on my credit report. I have several working to get this removed.Thank You 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company, I have spoken to several times and agreed to make a payment arrangement. After doing so, I requested they not contact me again. They keep calling to set up the payment I already authorized, calling multiple times a day, often just before XXXX. The agents are extremely rude and blunt and completely unwilling to work with me when I do answer. In addition, when I do n't answer one number or block it they start calling from another. They have been extremely obnoxious and have even contacted friends and members of my family after being requested not to. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I signed up for a credit reporting service with TransUnion for a XXXX dollar charge. Later I learned they were charging me {$17.00} a month. I have stopped the charge but they will not refund {$35.00} charged to my credit card account. I did not know there was a recurring charge when I signed up. 

I am a college student and just starting to use a credit card. If TransUnion had disclosed the monthly charge, I would not have signed up. It is not worth it to me. I believe this is unfair and deceptive. 

Will you help get my money back and have TransUnion stop taking advantage of people? 

XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a business owner and even though it is a corporation, I have to use my personal credit. Who personally uses their credit for XXXX or any other corporation? My major issue at this point is I pay a monthly fee to be a member of the credit reporting agencies. I get updates daily if there are changes and can refresh my score at anytime. Recently I purchased a home the bank pulled my score from Transunion as did I and the scores were different as much as XXXX points. This week I am purchasing a new vehicle and my score was XXXX points less than what the bank got. Because of the difference on the house I am paying 2 % more monthly and the vehicle I will be paying 3 % more. Anyone that pulls my credit or any Americans credit should receive the same score. I find the scoring system as a fraud / scam to consumers. The system needs to be the same, I work to improve a score of XXXX when really ( per the bank ) I need to work to improve a score of XXXX of which I have never seen. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this item time and time again and it has been removed off all my credit reports but one. Now it looks like the creditor has re-aged the debt without my permission and made my credit score plummet! I am XXXX years old an dthe doctor that is trying to collect from me is a XXXX physician - He ONLY sees patients that are XXXX! i demand this be removed from my credit report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency GEN BUS RECOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenOpened Date XXXX XXXX, XXXXClosed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX something wrong? 
Learn more about how to dispute items on your credit report. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Two years ago, XXXX overcharged me for internet access. I called them and complained, they apologized and said they would fix it, but did n't. We repeated this process each month for a few months, with me paying what I actually owed, and XXXX charging late fees on money I did n't owe in the first place, until I canceled my service and reported them to the Missouri state attorney general 's office. They actually owed me about {$7.00}, but instead they sold my erroneous " debt '' of about {$180.00} to a collection agency who then sold it to another collection agency. Now I get robo-calls XXXX a day to my cell phone from the number XXXX. They sometimes leave a message, but usually do n't, and when I do answer it is a recording. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BANK OF AMERICALOAN # XXXX XXXX INVESTOR ESCALATION NUMBER # HomePath Inquiry : Case # XXXXPROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX : To whom it may concern : On XXXX of 2015, my title company submitted a short sale to Bank of America, ever since then it has been nothing than a nightmare ; if it was n't for the persistence of the negotiator from the title company, my home would have been foreclosed. Bank of America made mistake after mistake, finally we received a short sale approval on XXXX/XXXX/15, the Title company 's negotiator sent the approval to the buyer as the XXXX XXXX requires a copy in order to process his Condo approval application, this was on XXXX/XXXX/2015. 
The file was transferred to closing to order estoppels from the condo HOA. and the approval expires on XXXX. 
The title company 's negotiator received a call at:XXXX from XXXX XXXX XXXX arepresentative from BOA XXXX stating XXXX the investor, was selling the servicing rights of the loan to XXXX XXXX XXXX XXXX/XXXX/2015 and that we MUST close by then, otherwise we needed to deal with XXXX XXXX and start all over from the beginning. 
I am in tears, I am a single mother with XXXX elderly parents and a small child, we applied to an apartment on XXXX, when we received the short sale approval from the bank. 
This is not a fair resolution from these financials institutions, to tell us get up and leave or you lose the short sale, is less than 7 days, there is a {$10000.00} deposit from the buyer on the unit, the buyer can not close until they are approved by the Association otherwise the transfer of title is not legally completed. 
I am asking your agency to intercede on our behalf, the title agent has disclose you have strict regulations on time frames as to before the submission of a Loss Mitigation options as well as time frames after approval has been issued. 
How can they just go up and sell the loan to a servicer than according to my agent is known to foreclosed on the properties and not honor approvals. 
I do not know what to do, we fought so much to move this forward, now they want to take this away, is time these institutions get fined for taking advantage of consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection company has reaged my debt without my permission causing in my credit score to plummet GEN BUS RECXXXX XXXX XXXX XX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency GEN BUS RECOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This debitor continues to reage this illegitimate debt on my credit report resulting in my scores to plummet. The debt reaging is done without my consent! 

HP SEARSXXXX XXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency HP SEARSOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirements 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been leasing a XXXX Chevrolet Volt through Ally Auto XXXX a division of Ally Bank XXXX. The is reaching maturity and I was investigating an extension for 1-3 months while I waited for my XXXX Volt to arrive, which has suffered from production delays. When I contacted Ally to get an extension, I was told the monthly payment would increase by over 50 % and there would be no additional mileage allowance. I have leased several cars in the past and never experienced this kind of behavior. In the past, the other finance companies simply extended the lease on a month-by-month basis at the same monthly payment offered under the terms of the lease contract, and they included additional miles based on XXXX of the annual mileage allowance as specified in the lease contract. Ally is doing none of this. 
Ally Bank used to be XXXX XXXX, a division of XXXX, before getting spun off in the early XXXX 's. It was announced earlier this year that XXXX is going to move their leasing programs back in-house with a new XXXX XXXX division. Is it possible Ally is penalizing XXXX customers for this change? 
Regardless, I have found their behavior to be highly questionable. Beyond the issues listed above in attempting to get an extension, Ally also took the extra step of deleting all online access to my account after the final lease payment was made, despite the fact I still have possession of the vehicle. I lost all access to my payment history and account details. 

Company response: Company chooses not to provide a public response