AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: New mortgage with Homebridge Financial ServicesXXXX XXXX NY NY XXXX phone XXXX ( put on hold for XXXX min and never talked with anyone ) paid XXXX XXXX payment with personal check, paid XXXX XXXX payment through virtual wallet, XXXX XXXX, it went through Paid XXXX XXXX through XXXX ... they never got or lost check. Waited til end of month to see if it would clear ... it did n't, so rewrote virtual wallet check out XXXX XXXX XXXX mortgage and XXXX XXXX, for XXXX mortgage ... they never got it. I have called and called and can not speak to a real person. I cant get on even to pay by phone I go on line and in order to make payment it says I have to fill out a 'hardship ' form? 
This is going to ruin our credit and I ; m trying to pay the mortgage. I emailed customer service and the man said we could set up auto pay ... great, I 'll do it ... cant get hold of anyone. 
WHen I do call them on the phone they say they are debt collectors???? we thought it was a mortgage company? 

Very frustrated and just want to make our payments on time ... please advise. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX I am hoping you can help us asap. thanks 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My XXXX was sold to a company named Greentree. Greentree charged me for insurance, even though they had the information and evidence that the appropriate insurance was in place for my condo. They have now sold my loan to Ditech. I can not seem to get a refund from either company. It is a substantial amount of money as they included this charge for approximately over two years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our previous mortgage holder transferred our mortgage to HomeBridge Financial in XX/XX/XXXX. We have always paid our mortgage payment and sent an extra check for {$1200.00} to go toward our principle. Since they have become our mortgage company, they have applied that extra check as another mortgage payment and then applied the extra as the principle. This happened in XX/XX/XXXX and in XX/XX/XXXX. They are now saying we do not owe a payment until XX/XX/XXXX. Instead, we want that applied as principle to help our interest payments. I e-mailed the company on XXXX XXXX, 2016 asking them to correct this and all I get is assurances that it has gone to their accounting department. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid the wrong Citibank credit card by accident at the beginning of XXXX by {$9000.00}. There is a credit to my Citibank credit card in the amount of {$9000.00}. They have yet to send me a check for the credit after numerous requests and telephone calls. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Currently I have been reported to XXXX and XXXX XXXX since XX/XX/XXXX. Due to identity thief while i was in XXXX many fraud activities happened to me. Such as someone used my checks to make deposits and withdrawl and those checks happnens to be a bad check and i was charged for the all the returns. When i came back from XXXX XX/XX/XXXX, i tried to solve the issue with the bank many times and everytime i call them all i hear is wait 24-48 hours or they transfer the call to some random voicemail box where i can not even leave message. Time has passed and it has been 4 years now, and this problem is still not solved.Wells fargo, XXXX XXXX XXXX, XXXX are the banks im having issue with and i try to reach out to them and its very hard to get hold of them an this needs to be disputed asap 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Enclosed are copies of XXXX ( XXXX ) separate reports from you showing that the information you are reporting is incorrect. Your report numbers are XXXX and XXXX. In these reports you are reporting a payment history from XXXX XXXX to XXXX XXXX and a close date of XXXX XXXX. This is totally incorrect! 

Also included in this communication is a copy of a letter from the creditor, ( XXXX ), dated XXXX XXXX, XXXX attesting to the fact that the information you are reporting is incorrect. 

Their document goes on to further state, " the account was closed on XXXX XXXX, XXXX ''. Not XXXX XXXX, as you are reporting. 

As the document from XXXX, Office of the President states, " The XXXX XXXX billing statement is also the last billing statement generated for the account since no additional transactions occurred after that timeframe ''. Also, " XXXX has requested date of last activity to be reflected as XX/XX/XXXX ''. 

You have and are reporting a payment history, where there has been none. You are also reporting this account closed XXXX XXXX, which is incorrect. XXXX has given proof with their document that you are reporting incorrectly. 

Therefore, you must make corrective measures, and so this account shows a removal date in XX/XX/XXXX, not, XX/XX/XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a medical bill addressed to my mother who passed away, XXXX XXXX, 2015. The bill has been turned over to Bay Area Credit Service. My mother lived XXXX and I live XXXX. Therefore, I am still just getting her mail delivered to me. ( The postal service is a whole other story! ) I do not even know what the bill is for and they will not tell me. I asked to speak to a manager or supervisor. A, XXXX XXXX, came on the phone and pretty much just reiterated what the first lady said. At that point, I told them I did n't even want personal information anymore, I just wanted to know what their company policy was for handling a bill of a deceased person. Again, the same answer, " I 'm sorry I ca n't talk to you since you are not the person on this bill. '' They were rude and unfriendly! I explained how upsetting this whole matter was to have to repeat this situation over and over, but of course, all I go was the same 'robot ' answer. All over {$43.00} ... I mean XXXX really!? 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is fraudulent transactions resulting from identity theft. I provided Navy Federal Credit Union with a FTC Identity Theft Affidavit and they have not complied with the laws to remove unauthorized transactions nor stop reporting incorrect information to credit report agencies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a 0 % interest promotion with Best Buy for 18 months. It was explained to me that after 18 months, if the balance was not paid off I would start paying interest. It sounded like any normal credit card to me. It was NOT made clear that the interest would be charged on the entire original purchase at the end of 18 months. As such, I had gotten my balance from almost $ XXXX down to {$170.00} by the end of the XXXX month, and as it was XXXX time, I decided to pay the remaining balance off next month, as I had other purchases to make for the holidays ( in other stores ). I did not think it would be a big deal to wait to pay the last amount next month. Next thing I know I get hit with an interest charge just over {$400.00} on my Best Buy Card. They had sent out a notice before the final payment stating they were going to charge me interest, but did n't state how much or explain that it was interest on the entire original purchase. I had only made that XXXX purchase on the best buy card. I had not been delinquent in my payments in any way. What is the worst part is that I could have paid off the remaining {$170.00} at the time, but I was unaware of the severity of the impending interest charge, and chose to make other things a priority. Had I known I would not be in this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to. 

Company response: Company chooses not to provide a public response
Consumer complaint: we have been trying to save our home for quite awhile now. They are always missing paperwork, when I filled it all in, faxed it and fedexed it. I have been through at least XXXX or more account managers. it seems that as soon as things look close for a better payment they change our account manager. We are frustrated! now our home is in foreclosure wit a law date of XXXX XXXX and they still are doing the same thing with the paper work. We 've worked hard to upkeep our home. They were suppose to get back to us with a rate that is XXXX our income. We are dealing with family health issues that are being resolved which will add to our income. We are frustrated and do n't know where to turn. We can not afford an attorney at this time and they know this. What can you do? 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm being charged over XXXX for non-existent charges. I would like to ask for this charge to be removed before I proceed with contacting my lawyers to counter sue and press charges for the personal damages this XXXX company cause me and my family. I completed my contract and left the apt with no damages. I have evidence with my local news here in XXXX, Texas. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: there is a fraud account listed from XXXX # XXXX that was opened back on XXXX which i have disputed numerous times with the creditor and the credit reports for months now the creditor sold this fraud account to XXXX as a charged off account when in dead it was a fraud account, the creditor never followed up with my disputed and ignored my disputes and never resolved the fraud dispute with this account and needs to be removed from my credit files. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have established credit with Macys since 2009. My credit limit was {$2600.00} and rarely did I ever spend more than {$500.00} in any given month, nor do I use the card monthly, nor did I use it at any other store but Macys. Yet. on XXXX XXXX, Macys allowed a woman to call up their customer service from XXXX, and in XXXX call raise my credit limit to {$16000.00}, change my address, change my email ( since when do emails change too. ), my phone number and the overnighted a card to her in XXXX to begin using, which she did. On Friday, XXXX XXXX Macys called me to tell me that someone had ATTEMPTED to change my address but because they were unable to answer the security questions it DID NOT HAPPEN and they were just notifying me that she did have my name, date of birth and the last XXXX digits of my soc. sec. # as a courtesy. She also gave me the address that my card was changed to in XXXX. Because it appeared my information had been compromised, I filed a police report. The police officer had additional questions and requested that I call Macys back to get these answers. At the time I learned the whole truth. At the time I was given a verbal list of both attempted purchases with my credit and purchases that went through. The police officer told me that to catch the person a list of all attempted purchases and their locations would help. I called Macys back and they refused to give me the attempted purchases or the locations of any additional purchases. As it stands I only have XXXX locations, and the police were able to recover video of my card being used but it was inconclusive so to have the additional locations would aid in catching these criminals. Macys told me that the police officer could request this, so she did and Macys still denied her request and provided no new locations. I contacted Macys corporate office requesting an explanation as to how this happened in the first place, why I was lied to and a full list of all attempted charges and the locations. XXXX XXXX assured me this would happen and I have yet to hear back from her as well. Macys not only gave away my credit, but lied to me and now continues to impede a police investigation where time of essence. I have yet to receive any list of any charges with locations in writing, I was told I have XXXX accounts open with Macys but Ihave no information about those accounts which I want closed and all my information deleted from their system. Macys credit is apparently managed by Department Stores National Bank and affilated with Citibank even though the card is a Macys AMEX, makes no sense to me accept to allow this to happen and pass the buck. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX continue to report a zombie debt as active. Also XXXX XXXX XXXX over the past ten years have reported inaccurate information to Experian Credit bureau and refuse to remove this item after several attempts of dispute process. The State of Limitations on this alleged debt, even should it be ours, is 7 years in the state of ( California ). Since the debt is out of the statute of limitations, this needs to be deleted from my report. XXXX XXXX XXXX continues to notify Experian of debt as being charged off with a balance showing {$780.00} owning. XXXX XXXX XXXX continue to report different dates of reported debt open, and status of date of removal to be now XXXX 2019. 
provisions in the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX has caused great harm to my credit report and over the past ten years has been very stressful. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX is reporting a debt balance of {$760.00} on all XXXX of my consumer credit reports. This debt balance was supposed to have been paided by XXXX when I switched from XXXX to XXXX in XXXX 2015. The debt balance was supposed to have been paided by XXXX as part of their Cut Your Bill in half advertisement. XXXX stated in their Cut your bill in Half promotion that when you switch to their company from your old cell phone provider that would pay the remaining portion of your prior bill. XXXX has not paid this balance and XXXX is reporting this balance to the XXXX consumer credit agencies. Since XXXX has not paid this balance then they are lying in their advertisement. 

Company response: Company chooses not to provide a public response
Consumer complaint: My fianc at the time, XXXX XXXX had a co pay to resolve, we were sending payments each month until one day it was sent to collections for some reason, we were unaware that it was sent to collections until I had spoken with someone from QAR Collections named XXXX who informed me that my fiances Doctor submitted this to collections, XXXX was supposed to call me back with a payment arrangement but never heard from her until I opened up a bill asking for full payment. This collection has my name on it and I 'd like to know why they have listed me when this was not my debt, I 'm very disappointed and this is the only attempt they have made. I also do not like how they are threatening us in this letter and I wo n't tolerate it. We will pay this but their terrible collection practices need to be looked into 

Company response: Company chooses not to provide a public response
Consumer complaint: My household is continuing to receive calls from this company via an automated dialer. We answer the call, but no one is there. 

After the second call failure, my husband, XXXX XXXX, called back the number on the caller ID. XXXX - Operator ID XXXX was very confrontational and rude. He had no desire to try and help with this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Finally, received the corrected report from TransUnion dated XXXX/XXXX/16, file number XXXX, per the response from TransUnion, the authorized user accounts were supposedly removed. However, XXXX authorized user accounts exist still on the report that I am not contractually liable for- the following accounts should be removed : XXXX XXXX XXXX # XXXX authorized user- not liable for account. XXXX XXXX # XXXX authorized user- not liable for account. NXXXX # XXXX authorized user- not liable for account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX- Experian, XXXX , XXXX XXXX XXXX XXXX Experian, XXXX XXXX Experian XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law