AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My loan was with XXXX XXXX XXXX. My payments were {$540.00} a month. My taxes were n't included in my loan payments. I became {$1000.00} behind on my taxes. I decided to make payment arrangements with treasurer of the city of XXXX to get my payments up to date. The bank decided to take over the payments and raised my mortgage payments to {$780.00} a month. After three months it went down to {$730.00}. I started struggling with the payments. I became one month behind. The mortgage company sent me paperwork for a long modification. Instead of lowering my payments they raised my payment to {$830.00}. After a month of trying to pay that amount I called and told them I could not afford {$830.00}. I was then XXXX months behind. I was told by the mortgage company that the only other option was to move out and do a short sale or a deed in lieu. I decided to move out. I was told by the mortgage company that they could issue a short sale or a realtor was able to. I moved out of the house in XXXX 2014. I was told to let them know when I moved out. I called them in XXXX and I was told that XXXX XXXX XXXX would no longer be servicing my loan. Green tree would be taking over and I should probably give them until XXXX to get up to speed on my account. When I called in XXXX my account was still not in there system. It was closer to XXXX that I was fully in their system. When I mentioned the short sale to them they told me that 's not how they do it. I would have to list my house for sale and try to get regular price for the house. She said let 's try to do a modification. I told her that XXXX XXXX XXXX already denied me. She said my case was easy. She had seen a lot worse cases. She then denied my modification request after two months of sending in information. Now for six months I 've been trying to do a deed in lieu. I 've sent the same information in five or six times. I have no idea what 's going with the process. No one sends information. I had to look at my credit report to find out they foreclosed my house. But when I ask them has the house been foreclosed I 'm told no. They padlocked the door and I asked them Why are telling me to remove everything out of the house for the deed in lieu when you already padlocked and foreclosed on the house. They keep telling the house has n't been foreclosed, I feel like their trying to catch me off guard in order to prevent bankruptcy. I would have known the process would have taken this long I would have never left the house. In the beginning I wanted to keep the house, now I just want the process to be over with. This is like a slow death. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: while withdrawing cash from the atm i only received XXXX dollars of the XXXX i was charged for. {$160.00} was sucked back into the atm. i filed a complaint with the bank to do an investigation and after a week i have n't gotten any information nor gotten a provisional credit as promised 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, I REC'VD A XXXX FROM XXXX XXXX XXXX OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX LAW WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, BANK OF AMERICA WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT XXXX WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Non stop calls for a debt I do n't owe and they wo n't identify 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The moment you are 15 days late on your car Payment US. Bank call the house no exaggeration 7 days a wee 2 times a day harassing you for the payment. I have the phone records to prove as the number purposely comes up unavailable because they know what they are doing is wrong calling a person as many times as they do and they need to be reported and stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: I financed a mobilehome approximately in XXXX. My first wife left me, and took a large amount of money from my bank account. I was unable to continue paying on the MH. It was repossessed, and I thought it was all settled. Just a week ago XXXX XXXX XXXX XXXX, I received a XXXX for the cancellation of this debt, which by the way is far beyond the ( 6 years ) statute of limitations in Virginia. It would seem to me that Ditech, who must taken over Greentree Lending, should have legally filed a XXXX after the 6 years, which would have been approximately in XXXX. But they did not. They seemed to have waited 12 additional years. In XXXX I was insolvent, and I would have been unable to repay the debt, and a XXXX would not have been so intimidating. However, now it is. I would like to know why they waited over 12 years to send me a XXXX? I 'm sure the XXXX would like to know as well. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: 1. I lost my job for over a year. 
2. I contacted my mortgage company ( Wells Fargo ) for assistance in case I ran out of money to pay. ( Although I still could from savings. ) 3. They told me to stop paying and sign a forbearance agreement. ( I did as instructed. ) 4. I got another job and brought my account 100 % up to date. 
5. They penalized me and reported me to the credit bureau for non-payment, even though I made all the payments they requested and on time per the forbearance agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit Systems I has illegally re-aged the " Date First Reported/Date First Delinquency '' for an unpaid cable bill from XX/XX/XXXX. They have showed multiple different Dates of First Delinquency. This account was closed in XXXX XXXX and I have not had any communication with XXXX or Southwest since XXXX XXXX. I have attached a copy of my XXXX Credit Report which shows the Date of 1st Delinquency in XXXX. I have also attached a copy of my XXXX report which states " This account is scheduled to continue on record until XXXX XXXX. '' 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have XXXX bank accounts with BB & T, neither are used as overdraft protection for the other because I preemptively " opted out '' for both accounts with the understanding that BB & T would decline all transactions if/when my accounts have insufficient funds. On XXXX XXXX, 2016 BB & T transferred {$140.00} out of XXXX of my bank accounts without my permission. The {$140.00} was apparently taken to pay off a {$5.00} service fee and {$140.00} of overdraft fees amassed from {$45.00} being pulled from my account as result of XXXX 's default settings. Again, my understanding of the " opt-out '' option was that the bank would decline all transactions if funds were not available. Nonetheless, I have made a voluntary payment of {$45.00} within the last 30 days, but the forced transfer of {$140.00} on XXXX XXXX was done without my permission and to my detriment as I have other, more pressing expenses to handle right now. 

Company response: Company chooses not to provide a public response
Consumer complaint: See your law suit against Greentree I have fell victim of this aweful company. they '' dual track " while i was going through a loan modication. greentree added thousands of dollars to my account knowing i could n't pay it thats why I requested loan modification application. I went from {$740.00} behind to {$8000.00} now i have to come up with {$9400.00} in order to get my home back, They stole my home. kick me and my grandson out on the streets last month. I have had this mortgage since ,XX/XX/1993. This is wrong and immoral. They lied to the judge to get this foreclosure through I have documents to prove it..I mail copies to your office last week please review. I have the right to defend my property against this evil company. My next step will be The media \ civil right activist to expose this company again .... Evicting a little boy that was born a preemie and now experiencing separation anxiety from losing his home .. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been currently working with my mortgage loan provider regarding past due payments on my mortgage account due to my husband having lost his job. I started working with XXXX XXXX at Wells Fargo bank and besides her just not being prompt or sensitive to such an important matter like our home is. Once our case was reviewed for repayment options we were told options through Wells Fargo were denied, but nothing specific was disclosed. I appealed their decision once my husband was able to acquire XXXX part time positions and asked for our case to be reviewed. According to the rep during this process our foreclosure status would be suspended. I received a call from her telling me our appeal had been denied. I began to ask questions regarding this decision. I wanted to know why and exactly the reasons why since we have more income now to cover our mortgage costs. I have yet to receive a phone call explaining anything from her or anyone at Wells Fargo, and when I contacted the foreclosure department and they advised me that my home is now in active foreclosure. I asked the rep in the foreclosure department to go over all of the fees to reinstate the loan and NOT one person can give me a break down. I really feel that we are being taken advantage of and I do not think this is even legal to do. I will be seeking legal counsel. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Over the past 18 months we have been victimized by identity theft. We reported the crime to the XXXX County Sheriff 's Department, XXXX. Our credit cards, which we have had with Bank of America without incident, have bee used to fraudulently charge XXXX of dollars. While most institutions have worked with us to remove these charges from our account, BofA refuses to remove XXXX from the XXXX, XXXX statement. 
I am a XXXX year old retiree and my wife suffers from XXXX. My wife is the principle cardholder, and been unable to use a computer for the past 3 years. As the frauds were occurring, BofA never notified us, even though we had never made charges in these amounts in 30 years. In fact the charges were well above our established credit limits. 
Our daughter XXXX is also a signatory to our account. When questioned XXXX freely admitted that she had shared the passcode with her fiance, and only her fiance. BofA is claiming that this makes us responsible. All of us, including the fiance, will agree to submit to a polygraph anywhere and anytime. Texas state law limits our liabiity to {$50.00} for credit card, and {$500.00} for cash withdraw. 

During initial conversations with BofA my daughter and I determined which charges were fraud, they agreed that the charges look fraudulent and would remove. In 30 years I had never been late on a payment, and with the understanding that the charges would be removed, I paid the bill in its entirety. At this age I wanted to be sure my credit remained spotless. 
Our community is outraged over the egregious manner we have been treated. In fact, through a neighbor, the local XXXX affiliate has inquired about doing a human interest story on our plight. 
Again in XXXX we were again victimized on our new BofA card for {$51000.00}. Again they never made a single phone call to us, in spite of our historically low charges and the problem we had in XXXX. 
I am a friend of XXXX and am helping him with this report. My name is XXXX XXXX, and I have know this couple for over 30 years, and know them to be above reproach. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXXHilco continues to verify a XXXX debt to XXXX, during the dispute process, that has been reported as fraud. XXXX/Hilco have received XXXX police reports from XXXX & XXXX from XXXX, and have removed their reporting to those credit agencies. The report from XXXX was from XXXX XXXX Police, & XXXX was from XXXX XXXX Police Department. There was fraud on my account with XXXX from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, & XXXX XXXX, XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX The following unauthorized inquires must be removed from my credit profile. I DID NOT APPY FOR CREDIT DO NO PLACE A FRAUD ALERT ON MY REPORT!!!!!! 

PLEASE SHOW ME HOW PER THE FCRA HOW THESE WERE PUT ON MY CREDIT REPORT XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX ID IS ATTACHED VIA DRIVERS LILEICE AND SCHOOL ID AND UTILITY BILLS 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: MyMy US BANK account definitely had some strange activity to the tune if like I 've XXXX . Some activity occurred with a card I personally never activated.I sometimes take my mail and throw it in my side door pocket to read for later on ( a habit I will now stop ). My phone went missing around XXXX XXXX. All my passwords/ usrnms were kept in the phone. In all On bad terms with an ex bcuz I filed a restraining order and naturally not all his friends were happy with me and Im wondering if one of them may have had it in for me. So there are several possibility. It took like a week for.the paperwork to file the fraud case to get to me.and there 's a hold on the account. As a result the bank took my SSI a d applied it to the negative balance and withheld all access to it. Im driving without insurance, all my bills and rent are late and I have a car title loan which is now 5 days late. This is like a secondary victimization. Im constantly being told the acct is set to close and only my home branch can lift the hold. Yesterday that proved to be untrue. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX my property address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Servicing Lender is BSI Financial Services. My loan number is XXXX. I am writing because I was approved for a trial modification and was supposed to make three trial payments commencing in XXXX XXXX, XXXX my last payment being in XXXX 2015. I have now completed all my payments and have yet to receive the permanent modification. My representative assigned to my case is XXXX XXXX phone number XXXX ext XXXX however, I have left him numerous messages and he is never available and never returns my calls. I have called their attorney and they have advised me that they do not know why I have n't received the permanent modification. I have continued to make my monthly payments however, I am concerned as I am still in foreclosure and the bank does not complete my modification nor give me a valid reason why it is still pending. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Have been attempting to work with Ditech to obtain a modification to my mortgage for 8 months, finally got the trial modification after getting XXXX XXXX involved. They have however put derogatory comments on my credit reports ( foreclosure initiated ) and I want that removed and changed to modification trial initiated 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2016, an unknown Phone # XXXX XXXX called me twice saying : " I have the last XXXX digits of your Social Sec. #, what is your Social Sec. #? '' I said : I do not know who you are! I do NOT give my social Sec. # to NO one! '' OnXX/XX/XXXX, XXXX informed me : " You have an account in collections ... '' Apparently, J H Portfolio Debt Equity claims " You are in debt of {$16000.00}, account openedXX/XX/XXXX '' I do not know J H Portfolio Debt Equity. I do not owe {$16000.00}! XXXX/XXXX/16, I received a letter from XXXX : " Your account # XXXX ... .has an invalid or missing Tax Id # ... Please provide your tax id #. '' I do NOT owe XXXX XXXX any money. I will not provide XXXX XXXX my id #!. These are fraud, scams attempts. My credit scores were lowered with XXXX, and XXXX XXXX credit bureaus. Please help! Thanks! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My original loan amount was {$300.00}. Somehow after a loan modification, the mortgage company added more or less another XXXX to my principle. I had filed for a hardship case, asking for a making home affordable loan. My late husband was in charge of our finances at the time. I have researched and can not find any reason for such an enormous amount of money being added to my principal. XXXX person I spoke with from XXXX XXXX bank said she had never heard of an amount being " increases to the mortgage '', but had only heard of amounts being " reduced, or deducted from mortgages '' .This increase has caused the house to cost more than actual worth, an upside-down situation. If I sell my house I will lose money. This is an absolute injustice. This is not a " XXXX XXXX XXXX '', it is the government bailed-out bankXXXX it 's consumers, and possibly getting away with it. I noticed when I made inquiry with XXXX, they had particpated in the home affordability act, but sold my loan or note to another bank soon after 2011. I was a tax paying citizen trying to avoid foreclosure. Now I am in a much worse predicament. I have attached some documents pertinent to this complaint. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/XXXX we were notified by Seneca Mortgage Servicing that we needed to send our payment to a new address in Texas. Beginning XX/XX/XXXX the changes were made to our Online Banking Account. On XXXX XXXX or XXXX XXXX I received a phone call from Seneca Mortgage Servicing stating our XX/XX/XXXX payment had not been received. I let them know I would talk with my XXXX as He always sends out the payments by XXXX Banking near the first of the month. Phone call ended. Husband checked our online banking and said Yes the payment had been made XXXX XXXX but not credited as of yet so He had our Bank research the check. About XX/XX/XXXX /XX/XX/XXXX we received another call from Seneca about the amount owing for XXXX and we let him know the check had been sent out on XXXX XXXX, we asked him the Texas XXXX to make sure it was correct and it was correct. This person made threatening comments to my Husband about Dinging Our Credit if we did n't make our payment. The guy on the phone was angry with My Husband trying to explain we had made the payment, my Husband was very upset, and attempted to work with this person on the phone as the Seneca Guy kept threatening with a 30 days late. To us this is a very serious Threat since Hubby has near perfect credit. We had made our payment early in the month just like always.Our bank got back to us in just days and said the Check was Returned Undeliverable. How does that even happen? The Bank checked with us on the Address again to be sure it was sent correctly, again, Yes all the information was correct. The Bank would reverse the funds back into our account as soon as a couple days, per an email, dated XXXX XXXX XXXX. We made the payment XXXX XXXX. Followed with a XX/XX/XXXX payment on XXXX XXXX. Seneca sent us just before XXXX a Ding to our Credit. Our Credit went from the high XXXX 's to the mid XXXX 's. I Believe something is very wrong here. As of tonight Our Bank is full force investigating Seneca Mortgage Servicing to prove they did not receive the XXXX 's XXXX payment on time, as it also was sent out early enough on XXXX XXXX, XXXX, and Seneca Mortgage is not Crediting the Payment until XXXX XXXX. XXXX XXXX is playing GAMES again to charge the customers a {$73.00} Late Fee/Charges. We were charged a Late Fee/Charges in XXXX XXXX as well. Is n't it Odd they can hold a Mortgage Payment until after the due/grace period so they can charge a Late Fee. Honestly, I could have driven across the XXXX States and Hand delivered the Payment in the time it took them to credit our account and it would have been there with days to spare. I know there are a lot of Bad Reviews about Seneca Mortgage Servicing, as I researched it after the XX/XX/XXXX problem. Someone really needs to help us and those with problems against Seneca. We feel they should remove the Credit Ding, and refund us the Late Fee/charges. How does a Major Company just Return your Mortgage Payment. Not right at all. Even our Major Banking Company thought this odd. And again in just a couple of months doing the same thing. 

Company response: Company chooses not to provide a public response
Consumer complaint: The identity questions caused me to be unable to access my credit report online. 
1. They asked for a previous phone number. I have had the current number for well over 10 years, so I could not remember a previous number I did or did not have. 
2. They asked for what year my XXXX was. They had XXXX and XXXX listed, so I picked the most recent since I had both years at XXXX time. 
3. They asked for business/employers I was associated with, I was unfamiliar with any of them, so possibly the company had a name I was unfamiliar with. 
Because they could not " verify '' my identity I was shut out of their system. To order by phone will take weeks to receive and I know their are some items that are duplicates and incorrect which I need to fix because it is impacting my credit score. 
Every year I have problems with Trans Union, either with getting my report, correcting it or disputing an item. They deliberately make these processes difficult and ask questions nearly impossible to know answers to. 

Company response: Company chooses not to provide a public response