AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We have a mortgage with Suntrust and owe more than the the property is worth. We attempted to sell the property for the amount owed on it, but after many months of being listed with a realtor, we could not find a buyer. So we began the short-sale process XX/XX/XXXX and found a buyer ( XX/XX/XXXX ). Suntrust delayed the process so long that we lost the buyer ( it was a XXXX exchange and there was a deadline by which the sale had to close XXXX. We have found other buyers since then XXXX all below what we owe but at fair market value ). Suntrust has not allowed any sale to go through. Then we requested a Deed in Lieu XXXX DIL XXXX and after much delay, Suntrust approved this XX/XX/XXXX. We received a notice in XXXX that we needed to have the property empty by XX/XX/XXXX ( we had tenants in the property ). We asked the tenants to leave and it is now XX/XX/XXXX but Suntrust has not finalized the DIL. The property is sitting empty and our debt continues to accrue. We are no longer collecting rent XXXX to help offset our losses and to keep the place occupied ). We are unable to get Suntrust to finalize the process and are looking for a resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: The loan modification in questions was originally submitted to XXXX XXXX XXXX on XX/XX/XXXX. After its transfer to SPS, documentation was lost and had to send same information several times-all via email. 

There is currently a trial date scheduled and opposing counsel is giving us some resistance with continuation based on the pending loan modification. I have confirmed on XXXX different occasions that SPS has a facially complete loan modification-the latest occasion was XX/XX/XXXX. ( The remaining item that they requested on numerous occasions was originally confirmed received XX/XX/XXXX and was sent four times additionally since that time. ) We just ask that SPS please communicate with their counsel to indicate that it is facially complete to allow time for a decision on the loan modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have worked with transunion several times and had the same information removed. I pay my bills on time and there were no late payments. all inquiries were for the same purpose ( but they refused to count them as a single record. Ihave no negative marks on my report and my oldest account on tu WAS from 1997 which was removed recently so it looks as if my credit history is shorter than it actually is. when I apply for a loan tu will intentionally lower my score. This has gone on for years and when I call in to dispute items on my report I am told they only have to follow their rules. this is not my first complaint to be filed with you. I recently asked tu to remove late payment information they claim was reported to them by XXXX XXXX /XXXX, an inaccuracy they reinstated only after I started looking into mortgage loans. 

I would like to have all inaccurate information removed from both my credit report and my credit file. 
I would like some protection against TU reinstating this information again. 
I would like to have a clearly defined timeline that states what is considered to be a new account for example ( 0-12 months ) and what is considered to be a short credit history for example ( 1-10 years ) short ( 10-15 years ) intermediate ) and so on. 
I would also like outcomes listed of any credit inquiry so it shows if an offer was made and if not why not. 
I would like it to be a requirement for anyone who pulls a credit report to furnish a copy of the report they pulled including the report number to the consumer and not tell them they ca n't do n't or wo n't because it is not their policy. 
I would also like fines imposed if a consumer can prove the any information that was previously removed has been reinstated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have resubmitted to both the Credit Agency and the Creditor to remove the previously deleted materials. I signed up for a credit card from XXXX XXXX XXXX ( issuer of the XXXX Red Card ) XX/XX/XXXX. XXXX XXXX XXXX failed to provide a card and statement in order for me to submit payment. They contacted me stating that the account would be going into collections, and I informed them that I had not received a card or received a statement. They stated that they would send a statement and reage the account. I received a statement and paid the statement in XX/XX/XXXX. I was applying for a home loan when a Failure to Pay came up on my credit score issued by XXXX XXXX XXXX. I did not receive approval for this loan due to the impact from XXXX XXXX XXXX. After 8 months of working and disputing with the Credit Reporting Bureaus and XXXX XXXX XXXX the Failure to Pay was finally removed XX/XX/XXXX and submitted it " Paid Satisfactorily ''. On XX/XX/XXXX I checked my credit score and XXXX XXXX XXXX has resubmitted a 30 day overdue, decreasing my score. I never received notice that this had been Reinserted. XXXX XXXX XXXX is unfairly attacking customers, making it nearly impossible to remove incorrectly reported items and should be investigated. When I contacted them to get the account fixed today they stated that they saw where it was reaged and the Failure to Pay was removed and changed to Paid Satisfactorily. However, they stated that after this it was reaged again, without my consent or knowledge that this was added, and I would charge that this is in direct disregard for the Fair Credit Report Act Section 611. ( B ). No details were provided and no contact was attempted to be made. The customer service manager at XXXX XXXX XXXX was rude at best. When telling him that this was previously deleted from my credit score, he stated that he saw that, and that someone decided to re-report the materials. He did n't state who made this decision or a reason for it. After over 20 minutes of arguing that it should not be on my credit report, he stated that he would file a dispute. This transaction number was XXXX. I want XXXX XXXX XXXX to remove this error from my account, and stop abusing consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband asked me to sign some loan documents to help him refinance his home loan. He stated that I had to be on the title for the refinance. When the papers were brought to me, they had the wrong name on them. I never took my husbands name and my driver 's license specified my maiden name. I was told by him and the notary to sign the documents anyway even though I protested. 

The documents are incorrect as I am not nor will not be known by the name on the mortgage refinance documents. 

Do I have to be or remain a part of this fraud? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I banked at Bank of America, and my Roommate banks at XXXX XXXX. At the beginning of the month my roommate, who also happens to be a relative, wrote me a check for her part of the rent. I did a mobile deposit that night because I live XXXX miles from a banch. 3 days later Bank of America reverses the check for no apparent reason. I called customer service and the agent assured me it was okay to try the deposit again. I verified with my roommates bank that she had the funds available. So the next day, I had my roommate write me another check for the same amount and I do another mobile deposit. The following Monday Bank of America placed a hold on the funds. I called them and they told me to call their risk department. 

During my call with the risk department I was told they were closing my account. I asked about the check, and they said they would reverse it after a week. A week passes and I called again to find out why my roommate had n't seen the funds go back into her account. At that point they said the check was still on hold, and after it had cleared they would send me a cashiers check. 

The following week was Payday, so I had to setup an account somewhere to receive my paycheck. I chose XXXX XXXX because they have a banch down the street. XXXX receives my employers Direct Deposit without any problems. A few days after payday I go into the branch to make a withdrawal because I do n't have a debit card yet. I get the cash without any problems. 

A few more days pass ( roughly 10 days since being told I will be sent a cashiers check ), I received the Bank of America check and I deposit it at XXXX. The teller accepts the check no problem. 

I go back to zions a few days later to withdraw cash because I still do n't have a debit card, and I am told after 4 hours that XXXX is closing my Account because Bank of America flagged my name on a interbank name registry as a bad customer because the check I deposited from my roommate was " bad. " I am frustrated because Bank of America allowed the check to clear and included the funds from the check in the cashiers check that they gave me. Additionally my roommates bank sent them the Money and did n't even question the check. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting verification of the validation of the electric bill statement showing proof of these charges trying to be collected. I still do not agree with owing anything as I turned off electric and water when I left and paid what was owed to the actual companies. I was informed to try to obtain and not just a statement from the apartment complex stating I owe for. I would also like to know when was the unit re rented to another tenant 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My credit report lists an incorrect " 90 days past due '' payment to the department of education for my student loans from XXXX 2012. I had made payments during that time to the new loan servicer ( " XXXX XXXX '' ), and have proof of these payments, so would like this incorrect information to be removed from my credit history. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan on internet with the company CashCall for {$2600.00} in XXXX of XXXX. About a month ago I called to ask for the balance. I was informed that my balance was XXXX and some change and that i had already paid XXXX in interest and it was due to be paid off in XXXX of XXXX. I then told the representative that this was ridiculous especially since i pay them XXXX a month and have so for the last 2 years. I then went on to tell the representative that at the end of the term i would be paying back around XXXX for XXXX that i borrowed. At the beginning of XXXX XXXX i closed my bank account, I feel I have paid this off at least XXXX in a sense and I had always paid with good faith and had always been in good standing with this company up until recently. I am at this time behind for the month of XXXX. I now get numerous phone calls throughout the day as well as several emails. Now my parents are receiving harrassing phone calls asking them for information because they have filed a suit against me. Dont know how they have information to contact my parents. This is only the beginning but feel that this will ruin my credit seeing they report to the Credit Bureau 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Arrange a XXXX part payment on the mortgage, An uncontrollable emergency expense came uo and I had to cancel the XXXX payment. Repeated told to pay this and to borrow it any way possible so the company could get it 's high mortgage payment. I told them I was modifying the mortgage and told okay but need to pay us now. Threats to do legal action continued daily. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I disputed some information on my credit report and it still has not been fixed. 
XXXX XXXX XXXX -- - this needs to be removed. this is not me. 
Name identification number : XXXX XXXXName identification number : XXXX -- this needs to be removed -- this is not meXXXX XXXXName identification number : XXXX - this needs to be removed ... this is not meXXXX XXXXName identification number : XXXX -- this needs to be removed. this is not meXXXX XXXXName identification number : XXXX - this needs to be removed. this is not meEmployers : UNEMPLYED -- REMOVE -- NOT MEXXXX XXXX - REMOVE - NOT MEXXXX XXXX - REMOVE -- This is not meAddress : XXXX XXXX XXXXXXXX XXXX identification number : XXXX -- REMOVE ... this has never been meAddress : XXXX XXXX XXXX, XXXX XXXXAddress identification number : XXXX -- REMOVE ... this is not meIdentification Number : XXXX -- this needs to be removed. XXXX years oldJudgment in favor of XXXX. XXXX -- Remove this.. I am no longer liable for this. 

The following accounts needs to be removed asap. I am no longer liable and they need to be deleted from my record asap. 
XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given a credit card application in a Best Buy store XX/XX/XXXX. I used that card to purchase a laptop and a few other small items. I was told my card had a limit of {$1500.00}. I was not told anything else and I did not use this card ever again. I was never told there was any promotion tied to the account. When I logged into pay my bill, I noticed that last month my balance went from approximately {$500.00} to over {$1000.00}. This was solely due to a deferred interest charge and attendant finance charges. 

No one from Best Buy ever told me that I was accruing interest or that I needed to pay-off my balance in full by XX/XX/XXXX. If they had, I would have done so. When I called to complain, a Best Buy representative told me this was a common complaint, particularly for customers who were enrolled in paperless statements and he understood why I was misled. He attempted to override the imposition of the interest charges but was unable to do so because of Best Buy corporate policy ( according to this representative ). 

I find it extremely deceptive and abusive to provide no disclosures about the terms of a credit card during holiday shopping season and then, nearly two full years later, apply a 100 % increase to my balance through a deferred finance charge. Had I been told I needed to pay-off my balance in full, I would have done so immediately and avoided this {$500.00} charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: For over month citi bank financial websites have been down for my Macys credit card and my best buy credit card. I 'm unable to track my spending, check when my bills or due, or make payments. Not only are there websites down but when I call there are really long waits to talk to someone. I should be able to monitor my activities and keep track of my account at any moment to make sure that I 'm using my cards responsibility. Citi bank is making tracking/monitoring difficult. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: after more than 7 years from the date of our delinquency on our XXXX mortgage and having no contact from any one attempting to collect the debt after we lost our home in a foreclosure in XXXX we suddenly have a company trying to collect the debt and they are the first company to report this debt on our credit report. We filed for bankruptcy in after our home was foreclosed on and the original creditor did not, to my knowledge, file a proof of claim- they just charged off the account since they could not collect on the sale proceeds at foreclosure They also are reporting that payments were made on the account in XXXX but our last payment before trying to negotiate a modification was in XXXX of XXXX and the home was sold at a foreclosure sale in XXXX. They may have bought the debt from some one in an attempt to collect but the statute of limitations has expired for legal action as well as the 7 year statute for reporting it on our credit report- some one has re-aged the debt by stating that there were payments made in XXXX but XXXX records show that the property was sold long before XXXX. Since our date of delinquency was in XXXX of XXXX should n't we have the right to have it removed from our credit reports .No reporting of this debt was ever on our credit report until XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received improper calls from XXXX XXXX XXXX. Her call back is XXXX XXXX XXXX. Did not state who she was with, what the issue is except that I " was used as a reference '' which is bogus. Have noticed this number over a year on my caller ID list but never left messages until this week Research on line indicates this is Delta Management who is a debt collector. I have never received anything from them and i have no debts having just checked my XXXX free credit reports. Their reviews under this number projects a very negative image and questionable tactics and objectives. They have no business contacting me by phone which is listed on the Do not Call list. I suspect they are preditory, seeing if they can con you into paying on an old debt? 

Company response: Company chooses not to provide a public response
Consumer complaint: The citi dividend world mastercard had offerd a 5 % cash back on purchases made in XX/XX/XXXX, XXXX and XX/XX/XXXX, ending XXXX/XXXX/2015. 
I purchased XXXX airline ticket for {$910.00} on XXXX/XXXX/2015 and another XXXX on XXXX 2015 for {$1000.00}. Both payments were charged on citi dividend world mastercard and the tikets were issued exactly on the dates when the payments were made on citi dividendworld mastercard. 
Upon reviewing the monthly statement, I noticed that the citi dividend world mastercard did not honor their 5 % cash back reward offer. I contacted the the above-mentioned company immediately and received a response from the customer service team saying since the charges were posted after the XXXX/XXXX/2015 offer end date, they do not qualify for the reward. 
The airline tickets were purchased on XX/XX/XXXX and XXXX/XXXX/2015. 
CitiBank 's offer neither mentioned any posting dates nor I do have any knowledge of the airlines billing practices. I do n't believe it matters on my end either. 
I humbly request citibank to honor their offer and reimburse me 5 % cash back for the total of {$1900.00} which is {$98.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. 

This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : UOP - / or an unauthorized agent at XXXX XXXX XXXX XXXX school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this account more than several times, then had to take it upon myself to contact the creditor and obtain the history which still is not correctly reporting on my credit. I do not know how these agencies go about receiving a dispute and complete a full investigation as nothing has been addressed or even verified. This agency still continues to report late payments on my mortgage in 2014 which is NOT accurate on my end and the creditor. Please see attached and help. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, Sears Master Card Services was contacted to eliminate the balance and shut down the account. After a long negotiation two payments of {$110.00} and {$110.00} were to be deducted from my banking account in XX/XX/XXXX and XXXX 2015. As per the representative, these were going to eliminate the balance and close the account. I keep receiving phone calls and bills. I contacted Sears credit cards services again, and they said that back then a balance of {$34.00} was kept on the account. I askd for recording and notes to be investigated. A balance of {$100.00} is still being charged. I have only payed late fees, I used this credit card once. I was promised to be done with this balance and credit card after XX/XX/XXXX and I was lied to by the representative. 

Company response: Company chooses not to provide a public response