AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Due to a loss of my job and other financial issues my mortgage company at the time XXXX began the foreclosure process on me. On XXXX XXXX XXXX I spoke with XXXX at XXXX XXXX in the Loss Mitigation dept. she said we could do a trial payment for 3 months, then it will be reviewed for a loan mod. On XXXX/XXXX/XXXX I spoke with XXXX at XXXX, she said our loan modification was denied and for us not to make anymore payments. 
In XXXX of XXXX we discovered we might have a sinkhole on our property and filed a claim with our XXXX XXXX XXXX XXXX. They did a survey of our property with special X-ray machines and stated we did n't have a sinkhole, our attorney hired a specialist who had a lot of questions about their reports. After a lengthy process we finally settled out of court in XXXX of XXXX and received a settlement check for {$160000.00} Our attorney XXXX XXXX advised us to not sign the check and send it into XXXX without having some type of signed written agreement on how it would be split up, he had a previous client with the same issue that we had and XXXX took the check and paid off his mortgage and did not leave the client enough money to repair the house. 
. Our new attorney XXXX XXXX was hired and he contacted XXXX to try to get an agreement on how to handle the division of the check ( he had to file an XXXX XXXX ), so that we could avoid racking up late fees on our mortgage etc. We had numerous hearings with the Honorable Judge XXXX XXXX, he would ask XXXX/SPS ( at some point XXXX sold or transferred our mortgage to SPS ). to bring someone to the hearing with the authority to make a decision on this and they never would, ( this happened quite a few times.So the case kept getting postponed meanwhile our late fees and interest kept adding up. 
Finally we agreed on the division of the check in XXXX XXXX ( see attached court documents ). We finally got the house fixed and moved back in on XXXX of XXXX. The problem with this is we had to come up with {$13000.00} of our own money to cover our expense when we moved out of the house for repairs. Per the joint stipulation agreement we were to be out of the house for 3 months and it would be finished and we would move back in. The delay by XXXX / SPS in getting the check to the XXXX caused the delays that cost us the $ XXXXXXXXOn XXXX/XXXX/XXXX we hired a new attorney XXXX out of XXXX Florida . 

In late XXXX XXXX I received a letter from SPS dated XXXX/XXXX/XXXX that we have been approved for a HAMP Tier 1 Trial Modification, the problem is they have made several errors in there calculations of what my home is worth and my income. 

XXXX/SPS has repeatedly disregarded what the judge in our case ordered and was never held accountable to this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Bank of America Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to XXXX for not paying. The amount? XXXX dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion. 

Company response: Company chooses not to provide a public response
Consumer complaint: Macy 's credit card website is designed to confuse its credit holder. I enrolled paperless statement, but the website does n't offer download monthly statement in PDF file. It is extremely difficult to read Macys ' credit card statement in an excel format. I have asked the electronic PDF statement, but no avail. I had to unenroll paperless, and wait for the us mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge. 

Company response: Company chooses not to provide a public response
Consumer complaint: no they will not let me dispute these matters on line. I tried receiving my credit reports and they would not give them to me. I seen it on 

Company response: Company chooses not to provide a public response
Consumer complaint: Background screening for lease on new house turned up someone else associated with my social scurity number on credit check. 

Company response: Company chooses not to provide a public response
Consumer complaint: A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help. 

Company response: Company chooses not to provide a public response
Consumer complaint: my initial complaint is # XXXX. Back in XXXX and XXXX I submitted a complaint against Stellar Recovery their phone number is XXXX. They continue to robo call my home each day different times of the day. The automated message gives different peoples names. People I have never heard of. My husband and I are senior citizens and are not in any debt collection. I also wonder if this Stellar Recovery has a charter to collect money in Arizona as there company is in Maryland. I would like to know the status of my complaint as I am still receiving these harassing calls. The status in your database states it is under dispute.. Who is disputing my complaint ; surely it can not be Stellar Recovery as we do n't owe any money that is in collections. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX in XXXX, XXXX - XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX performed services that were stated as covered under XXXX insurance only to receive bill of {$440.00} afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at XXXX. XXXX XXXX XXXX XXXX XXXX for collections. 

Company response: Company chooses not to provide a public response
Consumer complaint: delinquent account listed on my credit report by credit agency Experian that is not mine. Experian stated it was verified to be mine from an apartment complex in XX/XX/XXXX in XXXX Md whereas I have resided and currently reside still at same address in XXXX XXXX Md since XX/XX/XXXX. I asked to be provided with documentation supporting their findings such as my signature in agreement with account and i have not been provided with any support from Experian 

Company response: Company chooses not to provide a public response
Consumer complaint: IQ Data is trying to collect on a bogus water bill from when I used to live at an apartment complex called XXXX XXXX in XX/XX/XXXX. They say I owe {$280.00}. The apartment had XXXX proof of this debt. My water bill was like $ XXXX {$30.00} dollars per month and I added it with the rent. I move out when lease ends and they want to charge crazy amounts for water. I got it removed from my credit report in XX/XX/XXXX and here it is over XXXX years later and IQ Data keeps calling me and using unprofessional techniques. I say it 's not even on my credit and was removed. They say do n't care and I need to pay. They say it 's only {$280.00} and do n't I work? Very rude and bullying, trying to collect on something that I already proved I do n't owe and was removed years ago. I feel like suing them at this point. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received letter from LoanMe , Inc. offering a loan of up to {$10000.00} at an APR of 99-180 %. 

That does n't sound right to me. The XXXX gives this business an A+ so I 'm not sure if it 's criteria can be trusted either. 

Maybe I do n't understand what a fair installment loan is but 99-180 % APR just seems ridiculous. What makes matters worse is that I could use the money and can just imagine there are folks out there who may just be desperate enough to accept the terms. It just seems wrong that these loan offers can be sent to people when they just seem so unfair. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I was contacted on XXXX/XXXX/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have had a loan with bank of the west for many months sending payments to the same address which is the only address that my bank had for the online bill pay for as well as what bank of the west had on our payment booklet. For many months my bank took out the money from my checking account and sent it to the bank of the west. Bank of the west processed every payment until it came to my XX/XX/XXXX Payment when they decided they would no longer accept payments at that address. Without informing us at any point that it was not going to be accepted nor that the payments we had sent for XX/XX/XXXX and XX/XX/XXXX would not be accepted. It was n't until my bank notified me that the XX/XX/XXXX Payment had not been cashed for over 30 days. We contacted the bank of the west who were rude and disrespectful. They informed us to cancel the payment we forwarded to them and to send it a different way. So we wired them the money since we has no time without it effecting our credit. They received the payment and only weeks after processing the payment informed us they were charging a late fee. Due to the lack of communication on their end it is coating us both finically and mentality. Their lack of customer service and support has caused miscommunication and effected our credit at fault of their policy. We have asked several times to speak to someone in charge and have only been sent in circles being told no management is working at any time we call. We have asked them to listen to our situation and we are pushed aside like we are irresponsible borrowers. We have lived up to our end of the deal with bank of the west but with their unfair and decptive practices they have not lived up to treating us fairly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from ECMC on XXXX XXXX, 2015. I missed the initial call, and called them back a few hours later. When I got a hold of the agent who called me she began asking me for information about my mother. When I asked what the call was about she would not tell me. I expressed concern about giving her information with such a vague idea of who they were. The agent told me that my mother had listed me as a reference, and had given them permission to call me if they could not get a hold of her. I declined to answer the agent 's questions and asked her not to call me again. 

I called my wife later and she had received a call from the same agent. Similarly, the agent had told her she had been listed as a reference by my mother, and tried to use that to get my wife to give her information. I thought it was extremely unlikely that my wife had been listed as a reference, as my mother hardly knew my wife ( who I was my girlfriend at the time ) when she took out the loan. I called my mother, and she confirmed that she had never listed either of us as references. The agent had lied to us in an attempt to persuade us to give her information. 

I called ECMC back and asked to speak with a manager. The manager confirmed that the agent had used an internet lookup to find our phone numbers. I told them how concerning it was that their agent had lied to us. The manager assured me that they would take care of the matter. I received a message later that day letting me know they had resolved the issue by adding my phone number to their do-not-call list. 

I recorded both of the phone calls ( with the agent and with the manager ). ECMC has a warning saying their phone calls are recorded and there was no expectation of privacy. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since filing an initial complaint against SunTrust bank to CFPB, I have encountered another major problem with the same bank. After Suntrust closed my bank account on Monday, XXXX XXXX, 2015, I was scheduled to have my social security XXXX check direct deposited into the account and Suntrust is refusing to release my XXXX funds and any other funds I already had in my account. Since filing my original claim with CFPB, received a letter from the bank stating the checks they are investigating are being held until XXXX XXXX, 2015, it does not state the bank will hold any other funds. I have spoken with a few people at Suntrust who have tried to possibly help me but have said there is nothing they can do and I will not be able to make any withdrawals. No one involved in this investigation at the bank has contacted me, I did not receive any notification that my account would be closed nor am I able to speak with anyone in their fraud department. I have had this account around four years and never had an issue like this until I complained about not receiving credit for a transaction dispute and told them I would be closing my account at the end of the month. What I am going through I feel is financial retaliation. I desperately need help because Suntrust is not giving me any kind of timeline for releasing my social security money which is my only income. 

Company response: Company chooses not to provide a public response
Consumer complaint: Van ru is not telling you what they really are doing. I have been lied to about my agreements with them stating that if i pay certain amount i will have my debt taken out of default then when the time came i was told oh no you have to now pay a different amount in a another consecutive time period, etc ... please just investigate or you can even google van ru scam and read about peoples reviews and experience with the companies 

Company response: Company chooses not to provide a public response
Consumer complaint: A letter was sent via certified mail to Franklin Credit Management Corporation regarding an amount owed. This debt represents fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924, the Business and Professions Code Sections 17200 and Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts due are owed, and failing to provide supporting documents. as requested XXXX XXXX, 2015. A XXXX Certified Letter was sent on XXXX XXXX, specifically despite previous letters sent on XXXX XXXX. The XXXX representing Franklin Credit Management Corporation, failed to respond to said dispute letter and continues to illegally engage in harassment, fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924. et seq,, the Business and Professions Code Sections 17200, et seq., and the Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts are owed, and failing to provide documents. NO assistance was offered and not effort was made in compliance with California Civil Code Section 2923.5 ( e ) to contact the borrower to discuss the borrower 's financial situation and to explore options for the borrower to avoid foreclosure. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do not recall owing any medical, this might be my fathers whom past away which was also XXXX XXXX past away XXXX/XXXX/2013. I have requested verification several times in a dispute nothing received. I want this off of my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX ruined my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: Everything on my Credit Report is accurate except my score is not going up as it should be because I make all my instalment and revolving credit payments on time, just for example it went down XXXX points a couple of days ago for no reason. I suspect that it could possibly be some kind of identity theft involved because my score should be at least over XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. I am a condominium owner. My mortgage is with Bank of America The mortgagee requested flood insurance information which was provided. In spite of my coverage limit being in excess of the 100 % replacement value, BOA forced placed additional flood insurance 

Company response: Company chooses not to provide a public response
Consumer complaint: this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report / id theft affidavit and identification in this matter 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015 a repersentive from HUD stated " Bank of America submitted a new variance request over to HUD today and we have approved this and let BAC know and they will now be moving the file forward. Let me know if you need further assistance. " As of today, XXXX/XXXX/2015, BAC has not moved the file forward in the 7 days since then? The variance was approved. The offer I sent on XXXX/XXXX/2015 meets the minimum net and is not requesting any closing cost assistance. We should have an approval letter by now. Why is BAC dragging their feet? 

Also, BAC has scheduled a foreclosure sale on this property despite having the short sale contract package since XXXX/XXXX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a car loan with XXXX XXXX on XX/XX/2015. Which they did a hard inquiry. Checking my credit report after that, because I changed my mind to trade my Jeep in. I saw Credco did another HARD INQUIRY! On XXXX XXXX, 2015 for XXXX used Cars XXXX XXXX XXXX ( XXXX ) XXXX. I DID NOT AUTHORIZED THE SECOND INQUIRY ON XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: Once I refinanced my mortgage in 2013, Wells Fargo opened a checking account for me. I have no active recollection of agreeing to that, but I assume the paperwork was among the massive volume of papers to sign with the mortgage. The account was never used and dormant until two months ago when XXXX XXXX started to charge me a $ XXXX monthly fee for this account. 
I called to have the account closed but was told the account was " inactive '' and they need to activate it and then I need to call back to close it. In fact, they charged me fees for an " inactive '' account. 
Since then I have attempted three times on the phone and multiple times via Wells Fargo 's online platform to close the account with no success. I have been told again the account is inactive and ca n't be close or was put on hold to speak with " premier bankers '' etc. 
I 'm utterly frustrated that I can not close an inactive account that has never been used. I do n't know how I can accomplish this. They advise I could send a notarized letter via regular mail. Should it be that difficult in this country to close an account without a balance? They can slip in a sheet of paper to get it opened, I can open an account online in a minute, but closing an account is made awfully difficult. 
Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: We are requesting short sale on an XXXX mortgage for a deceased veteran. The formal file was sent on XXXX/XXXX/2015 and additional information was requested and sent on XX/XX/XXXX. During followup on XXXX/XXXX/2015, calls to the customer service was transferred to multiple places and finally it was moved to and connected to the Single Point of Contact. The single point of contact then informed me that nothing was done on the file and there were no documents received on the field and nothing was done. We did receive email and fax confirmation that the document were received and but the servicer says there is nothing on file. Also informed that the process could take 3-6 months. That it deplorable for processing on and charged off, XXXX mortgage for a deceased borrower. Totally unacceptable. After three of submission there is not record for document receipt, the file is not open, and inadequate response form the servicerimprove the process of receiving documents from borrowers and confirm receipt. There seems to be no accountability on the servicer side. Only time delays and excuses. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did ( speaking to XXXX new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( XXXX ) are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again ) XXXX try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. I am XXXX. I keep all my documents etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX/XX/XXXX. Said account is to be deleted from my credit file as of XX/XX/XXXX and it has not been done yet we in XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i have a debt that is showing with this company that is fraudulent its due to my identity being stolen and opened up accounts that i had nothing to do with ... yet they have not removed the account even thoudh i have sent theme the appropriate documents regarding the identity theft. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Insurance payment from my escrow account was not made in time to my insurance company thus leading to late fees and cancellation notices to homeowner. Monies were withdrawn from my escrow account TWICE ( XX/XX/XXXX & XX/XX/XXXX ) thus lowering the escrow account value below allowed limit allowed by Federal law. This appears to be an error since the money was placed back into the escrow account at a later time ( XXXX ). The error does impact the calculated low value for the escrow account unless special provisions are taken. This new " low value '' for the escrow account will or may cause damage to me by increasing my escrow required payments next year after the annual escrow required payment calculation. 

Late fees of {$10.00} were added by the insurance company. 

Cancellation notice sent to me by the insurance company. 

I continue to get letter in the mail requesting that I pay the late fees to my insurance company ( XX/XX/XXXX ). 

Company response: Company chooses not to provide a public response