AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In 2008 we found it was difficult to make our mortgage payment of XXXX, so we requested a loan modification. A trial mod was granted for 3 months which helped greatly. When my husband lost his job, the mod was rescinded because he was collecting unemployment. After contacting XXXX or more firms boasting to help obtain a loan modification for a few XXXX dollars we were advised to stop payments until the mod was approved..Of course it never was and the firm was no longer in existence.Now we were in foreclosure. After battling with the bank on occasions too numerous to recall we jumped through hoops to provide the proper documents to accelerate our application. Most times these were misplaced by the bank staff members and we had to resubmit repeatedly. After many meetings at the court house with the banks attorneys, we were still at square one..only now we owed the bank interest and penalties. As a last resort we attended a meeting in our state capitol with an agency to help people like us make some headway with our lenders.After four or five hours, we were told that we had been approved by our lender for a reduction of our interest rate previous to that day but were never notified. So now, after all is said and done, our rate dropped but our payment remains the same due to interest, penalties and late fees on the payments we were told not to make. Now we are underwater and although we are making our payments on time, our mortgage balance is higher than the original purchase price. We feel we were taken advantage of by several law firms preying on folks like us desperate to keep our homes in a waning economic climate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a XXXX month deferment on XXXX/XXXX/15 because I was in between jobs and was going to receive a short check. I paid the {$99.00} that was required to activate the extension on XXXX, and received a letter shortly after stating the extension was approved & my next payment is n't due until XXXX. I started receving collections calls a few days after regarding the unpaid amount. I explained my extension & was told a request/followup will be sent to the extension dpt & my account should reflect accordingly. Well, that did n't happend & I kept receiving calls ( about XXXX in one month ). Up until today XXXX I have called XXXX times to get this matter resolved & each time I get the response " we will send this to the ext dpt for review '' It is now OVER a month after I initially requested the extension, and my bill is due today & the extension is STILL not reflected even after XXXX different requests have been submitted. I spoke with a supervisor today, XXXX, who says the system thought the extension was for XXXX & not XXXX & that 's why the letter had my next due date for XXXX but everytime I spoke with a rep they seemed to know my extension request was for XXXX. She said she will also send a followup, and I asked for something in writing that reflects the correct dates my payments are due. I do n't have a problem paying the amount due in XXXX but I do n't think it is fair since ally did n't get it right the first time, and I should n't be penalized for a " system error '' when going off the due date I have in writing from the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not find a suitable line to check for my particular issue as follows. 
When one applies for a loan the Credit bureau is immediately notified while it take XXXX days for debtor payment to be reach the credit bureau. This undue delay places the debtor and his family at a disadvantage given the important role that credit score play in the market place. This unwarranted and iniquitous delay in reporting a change in the debtors ' credit status could mean life and death for those of us who operates on the margin. The cruel and inordinate delay could mean homelessness for those of us who are renting property, lives are interrupted, and children may not be able to attend school. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: We are getting automated dialer robo calls from Focus Receivables, phone number XXXX asking us to call back. We have gotten calls on our home phone and cell phone. We have no debt and believe the calls are in error. When I called the number back, I was put on hold and after eight minutes I hung up. I strongly object to this waste of time to resolve an issue that could have been dealt with immediately had a live person come on the line when I answered the phone. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying an interest only for ten years on XXXX trusts for my house at XXXX XXXX XXXX XXXX XXXX, XXXX One of the trusts, an equity account set up by the company, Wells Fargo Bank , at the time of closing on the mortgage, is now in fixed rate status. The other one, the home mortgage, is set to for going market rate in XXXX, 2015. While prior modification applications have failed, I thought Wells Fargo would give me a fixed interest rate when the current rate was due for re-setting. Instead, what Wells Fargo gave me is a 12-month variable rate which would be reassessed on the property annually. Even the rate went from 5.75 to 3.0, I think it is predatory because assuming the going rate for next year is 7.0, that is how much I am going have to pay and when I am unable to pay, I would my house after paying more than {$200000.00} in interest only arrangement. Please step in to protect one more vulnerable customer. 
The names on the Mortgage are : XXXX XXXX XXXX and XXXX XXXX XXXXThe Mortgage Account Number :XXXXThank you for your timely assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

XXXX Bankruptcy XXXX NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX XXXX XXXX with an outstanding and way overdue balance. When I received a large check from my employer upon my retirement several months ago ( XXXX 2015 ) I contacted XXXX in XXXX of 2015 and spoke with a young lady named XXXX XXXX in the Collections Department. I explained to her that I had come into some money and wanted to settle with XXXX as it is and was the only negative item on my credit report. She pulled up my account and said my outstanding balance was {$920.00} which included several layers of late charges and penalties. She gave me a figure of {$780.00} and explained that XXXX would accept that amount as payment in full for the debt. I immediately paid that amount through my credit union on line. I received a letter from XXXX on XXXX XXXX, 2015 stating that XXXX had received the payment on XXXX/XXXX/15. She also stated that the pertinent information would be sent to the reporting agencies to reflect my payment to close the account. Apparently this was n't done -- or not done properly because it is still affecting my credit score. Please look into this and see what can be done to alleviate the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: pinnacle credit services has for the last several years reported a debt on my credit report which is inaccurate. the amount they show owed and date of services are only XXXX of the disputes I have made XXXX times last year and once this year and it is still being reported as accurate. upon calling them after the results of this years dispute I was told that pinnacle credit services does not speak to clients about their debt but, so it can be handled responsibly, but they would give it to someone else while they still are reporting it on my credit report, which in and of itself causes an inaccuracy on the credit report which would equate to it having to be removed or updated due that. upon asking for a supervisor on several phone calls from myself to pinnacle credit bureau, I was told they speak to nobody and my request to speak to someone from pinnacle management would be denied and upon forcing the issue as I am entitled to under the law I was hung up on by pinnacle credit service this year alone no less than XXXX times for demanding to speak to XXXX of their supervisors as to their conduct as it relates to the fair credit reporting act and its inaccuracies on my credit profile. They also attempted to give me XXXX different phone numbers to call in relation to XXXX showing of pinnacle credit service on my credit profile and could not even verify if any of these numbers had to do with the original creditor, XXXX wireless, which shows on my credit report. I allowed them to forward me to a convergent outsourcing whom told me they could not speak to me either as this situation as they put it is in " cyber limbo '' and nobody can speak to me because it is out of their hands and supposedly back in the hands of pinnacle credit service who show on my credit profile but absolutely refuse to speak to me about their name on my credit report. I informed them I was going to the FTC website and making a formal complaint in regards to this as it has affected my ability to obtain credit and it is inaccurate on many levels. Pinnacle Credit Services are a fraudulent company with many complaints for the same thing I am coming here about and when a phone call is made to them an automated message is given stating they will refuse to speak to anyone even though they are reporting things on peoples credit reports. This constitutes fraud and clear blatant violations of the FCRA and any and all measures must be taken to enforce the law and assist people like me who have legitimate disputes where these agencies care little to nothing and refuse to speak to anyone to fix situations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: THIS IS THE XXXX TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX, XXXX XXXXXXXX XXXX , XXXX XXXXXXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX , XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: So recently I have checked my Bank Account and found out I have a negative balance worth over {$500.00} from Wells Fargo. I am furious of the fact that they have never mentioned me about the overdraft protection fee when I signed up for Wells Fargo Debit card back in XX/XX/XXXX. I feel as if I have been taken advantage of just because I was still young at the time and I did not understand the whole concept of financial responsibility. It turns out as I checked through my previous months record there was also an reoccurring overdraft fee XXXX {$35.00} XXXX. I assumed a Debit Card was a card where you can use it as long as you have money in it and if you do n't happen to have enough money it wont go through. I recently found out about a overdraft protection fee yesterday and heard it for the first time. As I added up the total overdraft fee from last couple months of XX/XX/XXXX to present day it is estimated to be over {$1000.00} which I have paid without knowing any prior knowledge about " overdraft '' fees and this is just from late XX/XX/XXXX through present day. I strongly believe there were cases before XX/XX/XXXX where they charged an overdraft fee and I want to know how much they have charged me and want all the money back. I do not have an income and plus I am still a student in college working at a part-time job that only pays {$280.00} bi-weekly. I am upset and furious as a customer of Wells Fargo knowing that I have not been notified about overdraft penalty and taking advantage of me just because I was a student and young at the time. I am requesting Wells Fargo to give me back all the money I have given them ( overdrafts ) this past few years since I was a member of Wells Fargo XXXX XX/XX/XXXX-present ). This is not fair and I have done research myself and Wells Fargo seems to be known for their overdraft " scheme '' to customers if I may say. I am a customer from a low income family, accepted loans for education, and have a part-time job that can not pay off the negative balance I have with me right now. Again, I am furious and upset as a customer of Wells Fargo and want them to return the money back to me regardless because I have not been notified about overdraft protection the day I signed up for a Debit Card. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have this account listed as a charge off and it was a settlement. My former attorney settled on this account and part of the settlement was my credit was not to have a negative and be cleaned up. The bank is Wells Fargo. This was a credit card that originaly was in dispute for charges that should n't have been on it. My attorney won and settled with Wells. Again this account is settled and is listed on my credit report as a charge off, therefore hurting my credit when it should n't be. This is wrong and needs to be corrected. I do not have the last XXXX digits of this account, it has been closed a long time, but I can give you what is listed on my credit report. XXXX is the account number. 

Company response: Company chooses not to provide a public response
Consumer complaint: It took months to remove my PMI, because I kept getting different answers and Green Tree Servicing stating that they did not have a phone number for their escrow department. They said you had to mail everything in. Once I finally got the PMI removed in XXXX, I was still charge the PMI amount for XXXX & XXXX. They did an escrow analysis in XXXX and refunded me {$140.00}. I was told that this was for the overpaid amount on the XXXX PMI. I was told be a couple different representatives that I would receive a check for the overpaid PMI in XXXX in the mail. When I never received a check, I called back and spoke with a supervisor. She told me that in order for me to get the check back, I needed to do another escrow analysis even though I had just had XXXX done. The taxes have increased since then, so now they sent me a bill for {$190.00} and no refund of the PMI for XXXX. Every time you speak to someone, they tell you they ca n't help you and you need to write a letter to the escrow department. They have terrible customer service and keep telling you different things, so that nothing can get done. They used many stall tactics when I was trying to get rid of the PMI. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX, I had an insurance claim. The check was sent to Wells Fargo. On the check was Wells Fargo and my name XXXX XXXX. From the beginning, they made it hard. Wanting to pay the contractors in XXXX installments made it difficult to find someone to agree. Finally, after 9 months they agreed that it could be done in XXXX installments. At that point, I had a XXXX and told them that I could not do it. XXXX XXXX agreed to tear the whole roof off and replace slate with tile. that needed to go through the Historical Society. Someone fixed the roof and I asked if I could be paid because I fixed the ceiling. I was told to submit the request, later to be told no because I was in bankruptcy. XXXX another storm hits and the insurance company told me that I needed to prove that the first claim was fixed. Therefore, I could not remember and went through the phone book. Later my insurance agent told me the reason why I did not know who fixed the ceiling was because Wells Fargo had it fixed. That they had requested a list of contractors stating that I was incompetent. My insurance agent said XXXX you would have had to sign the check. I told her that I had never seen a check. Therefore, I called Wells Fargo at least XXXX times always to be told that someone was going to do research and get back with me. XXXX person did I missed his call and called him back without any response. I have told Wells Fargo repeatedly that it is raining in my home ; XXXX ceilings have come down in the bedrooms. The wood floors are warped. The water has moved to spill the ceiling in the living room, dining room, and kitchen. I have not resided there because it rains like a tsunami in the house. XXXX of XXXX this week I finally after going to the corporate office of the insurance company received an email with a copy of the check that was deposited by Wells Fargo with my signature forged. They received the check XXXX XXXX, XXXX signed my name XXXX XXXX, XXXX and sent a check drawn on Wells Fargo to the Bankruptcy Court in the Trustees name who in turn paid them as creditors. The sad thing is that all this time they worded our conversations as if the insurance check was sent to the Trustees. Wells Fargo did not send the insurance check to the Trustees. This week I sent the copy of the check to the trustees and was informed that they had never seen the check and provided me with a copy of the one send to them. Now my house still 2 years later is unlivable. Also the insurance did give me a check to fix the carriage house but Wells Fargo place an insurance deductible of XXXX. When I ask the insurance agent was the XXXX deductible still available when the placed the insurance on the house she said absolutely. Wells Fargo tried to convince me that it was the insurance companies doing. 

Company response: Company chooses not to provide a public response
Consumer complaint: We pay bi-monthly payments. This comes out to XXXX payments per year and the equivalent of XXXX payments per year of full principle. We have been doing this since XX/XX/XXXX. Yet as of today Wells Fargo has not applied one completely principal payment. We did have a situation in XX/XX/XXXX where we switched our personal checking accounts to a different institution, thus delaying a payment by XXXX days. I know by doing this we may have offset the full principal payment schedule, however this happened in XX/XX/XXXX and here we are in XX/XX/XXXX and Wells Fargo still has not applied one of our payments as " principle only! '' It does not make sense. I called Wells Fargo and they stated that our first principle only payment will not occur until XX/XX/XXXX. How is it possible that it takes from XX/XX/XXXX till XX/XX/XXXX to make a principal only payment? It should be one every XXXX months! The operator could not explain. Can u help?? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have needed to take out over {$150000.00} in student loans to complete my graduate education XXXX. I now work XXXX and am not making ends meet because of the high cost of my loans. I fear I will never be able to afford a family. All of my loans, including government loans, are between 6 % and 8.5 %. How can banks charge such high rates when a person could buy a {$50000.00} car for almost no interest? I imagine they are " following the rules '', but what kind of society allows institutions to make money off the backs of young people who contribute significantly to the health of its population? Is there anything to be done? XXXX XXXX XXXX, PA 

Company response: Company chooses not to provide a public response