AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My home was XXXX and fortunately I was able to sell it and pay the loan off in full. My closing date was XXXX/XXXX/15. I obtained a payoff from the attorney and have the confirmation of delivery in addition to them acknowleding that they had it and said they forwarded it to the mortgage company. They received the payoff in time. It was paid in full based on the payoff and Ditech has still not paid the loan off. They continue to pursue me via mail for collections and are now asking me for proof of Home owners ins. They actually owe me money because based on when the loan was paid off, it was over paid based on the good thru date and they owe me interest for those days. They also owe me money for the forced placed ins that the premium was paid in full for the year in the payoff and I did not use it for the full length of time. The via XXXX tracking # is XXXX check # XXXX for {$350000.00} sent to Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our mortgage was sold by XXXX XXXX XXXX in XXXX 2016. Since then we are getting foreclosure notices and strangers knocking on our door handing us paperwork. We have had a mortgage for 30 years and are down to 7 months before payoff. ( We have NEVER had this problem. ) I 've asked them to review our payment history as I believe they reversed one of our payments. I can not get anyone to reply to my many emails and faxes. I 've read reviews about Shellpoint Mortgage ( aka Resurgent Mortgage ) and have heard many of the same complaints. I know I should refinance to get away from these scammers but do n't want to have to do that with only 7 payments left. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Bureaus is a debt buyer/collector who purchased a XXXX account ; I settled this debt in XXXX XXXX with The Bureaus ( see attached settlement letter and proof of payment ) but The Bureaus continued reporting the account to the credit reporting agencies with a balance. I disputed the account per the FCRA both with the credit reporting agencies and The Bureaus directly and the account was removed. However, I now find that the account is, again, reporting to the XXXX credit reporting agency with a balance of {$410.00}. Since XXXX originally removed the account from my report, The Bureaus obviously re-reported the account in error. Per FTC Staff Opinion letter, dated XXXX/XXXX/XXXX, the reporting of a charged-off debt to a consumer reporting agency is a collection activity, therefore this erroneous reporting by The Bureaus is a violation of both the FCRA and the FDCPA as well as a violation of the FCBA. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've tried numerous times to sell my house via a short-sale and the bank has n't responded. Next, the mortgage company that handled my mortgage was bought out by Seneca Mortgage Company. While working with a HUD Housing Agency, Seneca Mortgage Company was giving the HUD Housing Agency the run around. I believe my house has went into foreclosure. What are my options? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans Union is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit file that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just read a case against Security National Acceptance filed by CFPB on a service member and it states that SNAAC is not supposed to get into any more problems with the service members but here I am an XXXX military who got an auto loan with them. In XXXX of 2015 I filed for bankruptcy which was discharged in XXXX of 2015. I am attaching the email from the Judgement Administrator at SNAAC who stated very clearly that she received the court documents and I am retaining my vehicle. I took that email as confirmation and have been making payments to SNAAC for the past one year on time. SNAAC has not been reporting any payments to the credit bureaus and upon asking I got told that oh it was discharged in bankruptcy. I have made payments to SNAAC for the pat one year. I have been arguing with them about this since like XXXX of 2015 when I first found out about this. No response, no resolution nothing. My credit score hurting, did not get approved for any auto loan anywhere till yesterday finally with a high interest rate, a security investigation going on me with the military and no positive accounts reported in the credit bureau which may affect my clearance with the military, I am not getting any response from SNAAC they never email or call me, customer service representatives are very rude and they tell me they can not do anything and they always transfer me to XXXX XXXX the current Judgment administrator who never answers her phone or gets back to me. So I have one year of payments not reported to the credit bureaus which has affected my credit rating, no credit card approvals an auto loan approval with a high interest rate, the metal torture Im going through right now, the time I waste in contacting and looking for answers with no resolution. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I have previously sent written correspondence to XXXX XXXX Bank requesting that all account information be verified and removed because this account ( 1 ) does not belong to me, and ( 2 ) is listing both negative and inaccurate information on my credit reports. XXXX XXXX Bank 's response XXXX XXXX XXXX, XXXX ) was that I did not indicate what specific information you were disputing or requesting to verify. This is FALSE ; please see the detailed email below which shows all of the inaccuracies this company is reporting false information. I have also filed complaint with all three major reporting bureaus and have not received a thorough investigation as required by the law. This is a notice of complaint with Transunion, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file. The date of last activity, payment history, and status* do not align across all credit bureaus. After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with XXXX XXXX Bank, nor do I have any prior knowledge of said account. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ), this notice includes : Identification of the specific information being disputed : TransunionXXXX reporting for Acct # not listed on either of the XXXX credit bureaus website, but pertaining to credit card account ending in XXXX. BASIS FOR DISPUTE 1. Date of last activity ( Inconsistent across all XXXX bureaus ) XXXX - XXXX XXXX Transunion - XX/XX/XXXX XXXX XXXX - unknown/not listed XXXX. Payment history ( Inconsistent across all XXXX bureaus ) XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Bad debt/Collection Transunion - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - None reported XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Collection ***Payment status is showing charge off from XXXX XXXX XXXX on XXXX XXXX however, XXXX payment status is showing " charge off '' on XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX, XXXX XXXX, then " charge off '' again XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX and XXXX XXXX, then listed as " charge off '' XXXX XXXX. *** 3. Status ( Inconsistent across all XXXX bureaus ) XXXX - " Charge off '' Transunion - " Charged off as bad debt '' XXXX - " Unpaid balance reported as a loss by credit grantor '' I also have NO knowledge of this account. 
Below I have attached a copy of my original letter to XXXX XXXX Bank, a copy of their response letter and a copy of the section of false information that is still reporting on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly disputed this fraudulent Bank of America account on my credit files. Bank of America has refused to do anything about this account ( which they are still reporting ), and instead kept directing me to their collections agency ( XXXX ). 

I now have written confirmation from that department that this account was deleted and closed due to it being determined to be fraudulent ( Case Number : XXXX ). And THAT branch is now directing me BACK to Bank of America to have this removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have applied and issued a credit card two months ago with XXXX XXXX and until now my credit score runs as " no score available ''. My old address is even still being used by Transunion and XXXX when running my credit scores. Not having a credit score is making my life a nightmare here. When calling them, each of Transunion and XXXX would tell me that the update reporting has to be done by my bank facility which I then call and am being told they had already done the reporting. I am lost in the middle. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am asking for someone to please help me with Bank of America Home Loans. After my wife was bitten viciously by a dog, she lost her job and as a result we fell behind in mortgage payments. Bank of America has been making my family fight a fight that even when serving in the vietnam war, I would rather be back there than having to deal with the underhanded tactics of Bank of America. They have denied us a couple of times not because of our financials but because they claim we do not have the right paperwork but we are submitting all documents that are being requested of us by Bank of America. Furthermore, they had issue with my wife 's bank statements claiming that the letter head was incorrect. We provided bank statements directly from the bank, this is ludicrous. More recently, my wife submitted yet another package for modification and around XXXX XXXX, 2016, Bank of America agent XXXX XXXX confirmed we had a COMPLETE package and that they would be reviewing us. Further, she informed me that we would do the financial interview and that she would call me in the next couple of days. Well, low and behold two days later we get a Notice of Trustee Sale posted on our door. How can they tell us on the one hand that they have a complete package and that we are being reviewed for a loan modification and then try and sell my home. Bank of America is engaging in illegal dual tracking and they are in violation of the Homeowner Bill of Rights passed in California. I ask that someone kindly monitor my review process so that I am given a fair chance at modification. I served my country in XXXX and I was XXXX XXXX. I have been through so much and Bank of America is completely stripping me of all of my pride, as I can not fight this battle in a fair manner. I am working full time, my wife will be receiving her XXXX and my kids help us out. I want to start paying Bank of America a mortgage payment I am not trying to live for free. I beg you please help me to get a fair review for a modification. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian refused to release my credit report to XXXX XXXX stating the reason as being related to fraudulent address. I called Experian on XXXX occasions after initially uploading their requested proof on my address ( drivers license, utility bills, insurance bills ). And told initially that my acct was updated and refused again to release my report. Told that they never received the upload ( after another person there said they did ) and then told to email the documentation. I emailed this to XXXX XXXX XXXX/XXXX/16. Was again ( 3rd time ) told by XXXX XXXX that Experian would not release my credit report on XXXX/XXXX/16. Today I called Experian again and was told that I never uploaded any documents and that I could not have emailed them. I have proof XXXX. They have refused to transfer me to a manager for assistance. They are now asking me to repeat the process. I have been at this now for 3 months and am being denied credit. HELP!!!!!!!!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Received demand letter from law firm stating I owe them XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I use a bill pay service. They send my payments so that the mortgage company receives them on time. My current mortgage company is I 'm sure holding my payments. They are n't cashing the check for up to 3 weeks after bill pay says they received them so they are late every month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a Health Savings Account ( HSA ) with UMB Bank. In XXXX 2015 we tried to contribute to the account by electronic transfer. The UMB website froze during the process, so we started the transfer again. The bank then processed XXXX transfers resulting in an excess contribution. We contacted the bank about the excess contribution and they said we had to mail or fax a form for the refund and a {$15.00} fee would be charged and a refund would sent by check. We submitted the form and about a week later the account was debited for the over contributed amount plus interest and the fee was deducted from the account. We waited 10 days and did no receive a check. We contacted the bank and were told that a check had not yet been issued and contact them again at the end of the month if we did not receive the check because they were busy and can take up to thirty days to refund the money. Meanwhile no interest is being paid to us on the amount. They were not too busy to debit the account and charge a fee! A business practice to remove money from an account and the hold it for up to 30 days without interest seems unfair and poor treatment of their customers. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. TransUnion, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just got out of the XXXX XXXX after 6 years of service, i have medical XXXX including combat XXXX. I went to bill XXXX in XXXX for a vehicle and i wanted the XXXX it was a bit high priced but they said it would be paid off in 3-4 years not i got this auto load i pay XXXX a month at about 19 % interest. I have paid over XXXX dollars and it shows on my account i only paid about XXXX k from my original loan amount.I am using my XXXX pay for this vehicle i was under the impression i would be paying for another YEAR OR TWO AND BE DONE. but now my contract is almost 7-8 years long and the new XXXX are cheaper than what mine is. I desperatly need help i am a divorced father or XXXX kids and not my first experience buying a vehicle from a dealer i get completely taken advantage of. I feel insulted to know i have done everything for my country to see XXXX person ruin my entire life because of a car. my original amount is almost XXXX i paid over XXXX k and it only shows the principal amount to be XXXX i pay to own. at this rate i will pay XXXX for this vehicle. I thank you for reading and XXXX i hope you can help me please. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Bank of America mortgage. I was behind by one payment so I called in to try and set up some type of arrangement. They put me on a plan so that I could get caught up but I was still making normal payments. They wanted me to pay an extra {$3000.00} for this payment arrangement plan. In the mean time, they put a code on my account to where all payments that I was making was being put into another account and not being applied to my account. I explained to them that I did n't want their help or arrangement. This has been 6 months now. I have to call in each time to make my payment and then call back in to have my funds authorized to be moved from the account that Bank of America set up to be applied to my mortgage. I am now being told it will be another 6 months before the " code '' is removed. In the mean time, I have to call in each time. Talking to the CSR 's is like talking to the wall. They are not helpful and you have to spell everything out to them to get anything done. They do n't care about my time or the frustration that this situation is causing me. Because the funds are in this other account, this is costing me money in interest on my loan. I would not recommend Bank of America or any FHA loans to anyone. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a {$2300.00} refrigerator and a {$2000.00} washer/dryer from Home Depot on a promotion in XXXX 2014. They never sent me a paper statement because I was enrolled in " electronic '' statements. Whenever I received an email, I would just logon and pay my bill. Suddenly, i am billed right at {$1500.00} for deferred interest. When I downloaded my statements, none of my payments went to the promotion for a whole year! Has this happened to you? When they charged me {$1500.00} in interest, it put me way over the credit limit XXXX which they lowered unbeknowst to me XXXX. This is probably the most shocking thing that has ever happened to me as a consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was laid off this past summer and went and told this loan company this information. The very first thing the manager did was to look and see what I could sell to pay the loan payment that was not overdue. I continued to pay through the fall as I got severance pay. When the severance pay exhausted and all I had was unemployment and could not pay the XX/XX/XXXX payment the manager said that I could come in and rewrite the loan then I would n't be due again until XX/XX/XXXX. I was looking for work and had been since I was laid off, with no luck. I could not pay the XX/XX/XXXX payment so the loan company started calling me, my dad, my sister, my daughter in law, etc. I had already told them I could not pay the payment as I had not landed a job yet. When they called my sister she was in the hospital on oxygen and a bipap machine. She told them she was in the hospital, yet asked her to leave me a message. I called the loan company and let them know that they were not ever to call my sister again. My sisters doctor told her she may not live long and I was enraged that people would do things as that. Since then the loan company has called me every day. Called my daughter In law that is XXXX, called my Dad and his wife that are also disabled. Then the loan company decided to leave letters at my address a few times, Then they called a seasonal job I got XX/XX/XXXX to verify my employment with a co-worker and told her to give me a message. Then the loan company had someone go to my job and told my co worker that she needed to ask me a question, posing as a client. Then they called the call center and got the extention to where I was. I could not talk with them because I was with a real client. Today they had a police officer from the sheriffs department bring a tag at my work that said I was to pick up a claim at the sheriffs office. When I went to see what this was about the loan company had papers to sue me for the total amount of the loan and had 14 days to answer this claim. I do not have funds at all and the loan company knows of my situation. This has caused stress to my family and work, not to mention stressful to me as well. It has been nothing but pure harassment since after XXXX. I have had this loan for 3 years and rewrote the loan several times and have paid my payments on time until I got laid off and severance pay ended. I have only gotton paid twice since I have had this seasonal job so far and am paying on rent and electricity. I am also trying to find a full time permanent position. I need help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I vist 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 put it timed out with out giving it to me!!! 

Company response: Company chooses not to provide a public response