AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/2016, DCM Services, a debt collector, left a message for me ( the executor of an estate ) on my home voicemail, that was listened to by my daughter and her friends while I was not at home. The call came from XXXX XXXX XXXX ... " Hello this XXXX XXXX XXXX at DCM Services. This is a private message for ________. We are a debt collector attempting to collect a debt of the late__________. Please call me immediately at ... .. '' Although they stated that this is a private message and " if you are not ________, please do not listen to this message. ", they are not authorized to call my home and direct the persons living there as to what they can and can not do in the privacy of our home. I have asked this company to put any requests for information in writing, and I have directed them not to call my home again, prior to this call. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I became behind on my last months mortgage which was due XX/XX/XXXX. A XXXX unidentified call kept showing up on my phone - It turned out to be my mortgage company Suntrust - I talked to them and told them I had previously requested a HAMP package from their XXXX office - they stated they had to ask me to pay the amount of last months payment asap and that they would call EVERY DAY until they were told by the HAMP office that they did not need to or until I paid it. They have called every day sometimes more than once a day since. I consider this harrassment. I have already sent my paperwork for the HAMP into the Suntrust office via mail. Please help me stop this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, XXXX, and Transunion. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account XXXX is also XXXX account which all XXXX bureaus must have realized the late payments were incorrect and deleted it. However, Trans union suddenly started reporting the late payments again. This account is : XXXX- account # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: During a time of hardship, I reached out to my credit card company, Wells Fargo, to see if they could offer any assistance. I was referred to the collections department. Under advisement of the rep, the program entailed closing the account down and being put on a payment plan. They stated that I would have XXXX percent interest to help me through the hardship, which I agreed to do. Months later, I find out that they never honored the XXXX percent APR and gave me XXXX instead. Calling Wells Fargo back to have the matter corrected, they avidly denied ever offering me the XXXX percent and when asked if they could review their recordings, there were none available for that recording ( conveniently ). I am well aware that the collections department did help lower my interest from the original amount, but the reason I agreed to shut down the card was because of the XXXX percent interest. They blatantly lied to me and now there are no notations or recordings to substantiate the conversation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained the loan for {$5000.00} on XXXX XXXX XXXX. They added a {$75.00} fee to the total of the loan resulting in financing {$5000.00}. I paid {$250.00}. Monthly for 12 months ( {$3000.00} ) on or about XXXX XXXX XXXX I paid the loan off at approximately {$5000.00}. As it turns out this was a 120 month loan. Had I taken it to term I would 've paid {$30000.00} total to borrow {$5000.00}. 
Long story short .... I paid {$3000.00} in payments, my total payoff on the loan was more than I borrowed. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: When I moved out of my previous apartment, I was under the impression that all debts were settled. I never paid a late rent and we left the property in awesome shape. Now I received a bill for XXXX and I do n't even know what it 's for. It is now in collection with a company called I.Q. Data International, Inc. I have received 7 calls today XXXX/XXXX/16 and 2 of the calls were after XXXX XXXX. I am getting really frustrated and it 's borderline harassment. The account rep 's name is XXXX XXXX and their number is XXXX. Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXXXXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point I XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Round-point is belling me for taxes .The Taxes was paid at the closing the people that I bot the house from pawed half and i payed half. now round-point is trying to bill me again for the taxes. They are giving me the run-a-round. I sent all the paperwork to them they still say I them the tax money. 
I will never do business with the again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In general, I have been erroneously charged nearly {$500.00} in fees since year 2010 by the Branch Banking and Trust Company ( BB & T ) ( hereinafter " the bank '' ) I have reported this to them, and they have responded inadequately, and continue to deny to me in an unethically and likely illegal fashion reimbursement of these funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a transaction from a company and received a letter from my bank stating that the dispute was finalized and all provisional credits issued were finalized. Then I received an email from the bank stating a representative by the name of XXXX XXXX made a mistake and issued a letter when really not all the provisional credits were finalized, and instead they debited {$89.00} from my account as they said that dispute was not approved. This was an admitted bank error that I have proof in writing of - We should not be charged the {$89.00} and should be granted the credit of {$89.00} as that is what I have in writing. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This compalint is about XXXX services. I discontinued by TV/Phone/Internet services with XXXX in XXXX of 2015. I had enrolled on auto debit for all payments for this service from my checking account. No one informed me that I have to pay the last amount " by check '' and that they will not auto debit from my checking account. I never received any kind of invoice or notification from XXXX stating I am to pay this amount directly by check. I was out of the country for 3 weeks and when I returned, I saw a letter from a collection company stating that I did not pay XXXX $ a and that it has been reported to the credit monitoring companies. I immediately called XXXX and made the payment. 
On checking my credit, I realized taht it shows a major diliquincy of XXXX $ on account of this payment. I called the credit companies, and they said that I need to talk with XXXX. I talked with veruizon adn they asked me to talk with the collection agency and the collection agency asked me to call XXXX back. I disputed all the charges with the credit companies and nothing worked. My credit has taken a hit because of this. XXXX credit companies, I have credit scope XXXX and XXXX I have a score of XXXX. 
I have always paid bills on time, and I feel that I was wronged here : 1. I was not notified by XXXX that I had to pay it directly and they will not debit from my bank account 2. They send the notifications while I was out of country and did not allow any grace period before informind the credit companies 3. The creidt companies were not willing to consider my case. This record will be on my history for 7 years 4. For being so methodicaly and on time with ALL my payments, I feel that a payment of XXXX $ should affect my credit in such a way ... .even with valid reasons why I did not pay on time. 
Now when I am trying to refinance my home to pay it off early - from XXXX years, I am not getting very favorable rates and teh mortgage company is saying that I only have a fair credit score. 
I plead that someone take some action on such companies who trouble consumers. Upon checking internet, I see lots of complaints regarding XXXX for the same terms. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/15. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender. I have requested documents for a loan modification in an effort to assume the loan and they said that there is not enough time to process my request. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: WE ENTER INTO LOAN MODIFICATION ON XXXX MORTAGE WITH BANK OF AMERICA IT WQS MADE XXXX ON XXXX WE HAVE NOT MISSED A PAYMENT. XXXX WEEKS LATER WE GOT A ANTHOER SET OF THE SAME PAPERWORK HAD DONE BEFORE IT WAS ACCEPTED, MIND WE DID THIS 4 TIMES BEFORE THAT DAY IT WAS MADE PERMANMENT. I CALLED MY CASEMANGER XXXX XXXX SHE SAID IT WAS A MISTAKE AND THE PROCESS WAS DONE SINCE THE BANK SIGNED OFF ON IT SHE SAID DO N'T DO ANYTHING I RECIEVED A FROM HER XXXX WITH THE SINCE IT WAS ACCEPTTED I NO LONGER HAVE A CASE MANGER. WE HAVE NOT MISSED A PAYMENT BANK OF AMERICA IS NOT CEDITING MY ACCOUNT OR REPORTING MY PAYMENTS TO CEDIT BUREAU MY CEDIT REPORT SAYS I 'M NOT PAYING AND BOA SAYS I HAVE TO GO THROUGH THE WHOLE PROCESS AGAIN. I MADE MY PAYMENTS EVERY FOR ALMOST 2 YEARS AND NONE OF IT HAS COME OFF THE BALANCE. I WHEN THE HOME OWNERSHIP PROFRAM XXXX AND XXXX XXXX XXXX TRIED FOR 1 HOUR TO SPEAK WITH SOMEBODY AT BOA AND GOT NOWHERE HIS PHONE NO. XXXX XXXX HE TOLD NE TO FILE THIS 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The principal balance on my mortgage was more than what it should have been by XXXX dollars. I had to take XXXX customer service agents through all of the payments - and still they would not agree to change the principal balance. Now the process has been forwarded to the executive office, where i am hoping that this issue will be addressed. 
If this happened to me - then it could be happening to millions of folks. Mortgage accounting is deliberately made complicated so that people wont be able to understand. This needs to be fixed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney XXXX that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with XXXX attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney XXXX to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX XXXX XXXX retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made a payment to the creditor, ( Citi Bank ) after being informed by a customer service agent that my account would remain in good-standing by doing so. I went into the branch as instructed and a few days later I found out that they closed my account. Now, on my credit report it states, closed by creditor " charge-off ''. In conclusion, I 've also being charged almost {$600.00} in additional fees even though my account was wrongfully closed and it 's being reported as late every month! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a Bank of America Credit Card. I got a statement for XXXX XXXX - XXXX XXXX with a New Balance Total of {$730.00} with a Due Date of XXXX/XXXX/2016. On XXXX XXXX when I received an e-mail for this statement, I paid the account off in full. On XXXX/XXXX/2016, I received an e-mail for the XX/XX/XXXX-XX/XX/XXXX period saying that I owe a Minimum Interest Fee of {$1.00} even though I had paid the full balance off and I have not added any additional payments. 

On the back of the statement it says, " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' This is not fair to the customer as they get charged interest even though the balance is paid off in full and also that they do not get an e-mail saying they have a statement until the day after the closing date. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Further Violations include : Communication Tactics, Continued attempts to collect a debt I do not owe, Disclosure Verification of Debt, Threatening and taking an illegal action. 

Please also see CFPB complaint # XXXX XXXX/XXXX/2016 received a I received a collection notice ( please see attached ) from Credit Bureau Systems , Inc. in XXXX, KY dated XXXX/XXXX/2016 and addressed to XXXX XXXX XXXX, XXXX XXXX, KY, at XXXX XXXX XXXX, XXXX XXXX, Ky. The mail system is not that slow, however the internal process of the " Credit Bureau Systems '' procedures are less reviewed, however governed. This delay tactic illegally eats away at the consumers ability to dispute within the time limits afforded by the law. This is deceitful practices as according to FDCPA subsection 807 " False or misleading Representations '' as well as subsection 808 " Unfair practices '' I disputed this over the phone on XXXX/XXXX/16 ( less than 30 days from date of notice ) to XXXX XXXX agent of Credit Bureau Systems agent, as well as in writing on the same date. ( please see attached ) As well and also contrary to the above subsections the failure to provide the name and account of the original creditor, the threats to injure my credit by reporting it to the credit reporting agencies despite these deceitful methods ( as according to their agent ), actually following throiugh and illegally reporting it to the reporting agency along with a note that " consumer disputes this account information '' ( they accept I dispute, however failed to follow the mandates of the FDCPA for a dispute, maliciously damaging my credit and causing liability ), the deceitful statement of a " Patient # '' on their statement ( as though this debt has to do with a patient, rather than a utility bill ), their company title diceitfully alluding to them actually being one of the credit bureaus and their agent 's statement that claims would continue anyway, are contrary to the FDCPA or the law that governs your practices Please not that this account was supposedly opened with the Credit Bureau Systems on XXXX/XXXX/16 while notice was not created for about a month XXXX/XXXX/16 or mailed until another month after that. They appear to have an interdepartmental anomaly that every step in their procedure seems to take a month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since XXXX XXXX, 2015 I have been requesting the bank to provide me a copy of my mortgage servicing file in accordance with the Real Estate Settlement Procedures Act ( Regulation X ) 1024.36 - Requests for information. I have submitted my request in writing as indicated by the regulation. The bank ignored all the requests made until the last request made on XXXX/XXXX/2015 which the bank answered on XXXX/XXXX/2015, but refusing to provide the information indicating that it is overbroad or unduly burdensome request for information. The bank is in violation of the applicable regulation since it failed to acknowledge the request for information in the time frame indicated by the regulation and the overbroad or unduly burdensome request for information response is not applicable in this case. 
I have attached the letters sent to the bank requesting the file and the bank 's response. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/2015, without my knowledge. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was never contacted by the lender. Not even once. 
XXXX XXXX and XXXX somehow obtained my information and threatened me with legal action. They said they would harrass me at work every day and show up at my doorstep. They fraudulently aquired my information and continue to threaten me. They constantly call and say they have contacted XXXX XXXX and are serving me court orders. I contaced the actual lender and they said they are a scam company. 

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