AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Over the past three weeks I have received at least XXXX robocalls that purport to be from a debt collector. The caller/recording does not identify the person being called. Neither does the recording refer to a particular debt or creditor. " This is a call from a debt collector. Please XXXX. '' My caller ID lists the caller as " Unavailable. '' Due to the huge volume of solicitations and obvious scam calls to my phone ( despite being on the Do Not Call List ), I let calls from unknown callers go to voicemail. I DO NOT HAVE ANY DEBTS THAT WOULD REQUIRE A DEBT COLLECTOR TO CALL ME. PERIOD. Please make this caller stop calling me. Thank you. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I am XXXX. I pay cash for everything and do not have credit cards as they cause me a great deal of anxiety if I have them. So I do not use them. I am being punished by other creditors for the information provided by credit reporting agencies for not carrying any revolving debt. I am paying more for insurance, car loans, and other debts due to these facts. I pay cash. The fact I do not need credit cards does not enter into this equation. 

I am being discriminated against due to the fact I do not use credit cards or revolving debt. If I am unsuccessful, then I will seek class action status and go from there. 

Company response: Company chooses not to provide a public response
Consumer complaint: First National Collection shows a collection on my account for XXXX XXXX. I already resolved this with XXXX and I have never heard from First National Collection until my mortgage company informed me of the account. Per Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX they have not validated this account. I have not moved and have the same cell phone number for years. They have made no effort to contact me to validate this prior to reporting it. Again ... I already turned in the box to XXXX. They made a mistake. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I contacted US Bank because I was going through a divorce and need help with making sure that I could make my mortgage payments. I 've owned my home for six years, and never been late on a payment. My ex husband abandoned me and my XXXX month old son. I was told that US Bank offered many programs and that I would qualify for at least XXXX of them. So I applied for the loan modification, and was denied. I was n't given any other options! I applied again and was denied again. They said my income debt to ratio was too high. Well of course it would be! I have a mortgage and other bills! I thought the whole point of the loan modification was to help with you are having trouble!? I am now in the process of the short sale process, as well as the stages of foreclosure. I call the bank and email and they can not give me any answers to my questions. It 's like I 'm talking to robots. I have worked my whole life and to have my home taken away from me due to a divorce is so very sad. I 've never asked for assistance in my life, but when I really need it I 'm denied. How embarrassing this is for me. On top of this all, my ex husband has move to another state and is n't dealing with the stress of receiving certified mail, being served by the sheriff letters of foreclosure. What is the point of loan modification and offering it to someone? It gave me a little bit of hope then a nice smack in my face. I 'm looking for help! I 've drained every single account and IRA I had to try to keep my home. It 's a shame that my XXXX year old son and I are losing our home. I guess this is now the American dream. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I applied for a refinance of our current mortgage with Loan Depot in early XXXX. XXXX XXXX was my contact in the beginning and I answered ALL of his questions. After XXXX hard credit inquiries in 33 days, including XXXX in one day, I was told they could not refinance because I had over XXXX acres and had acquired an equity loan several years ago which I paid in full. They NEVER asked me the acreage or if I had ever had an equity loan.If they had ask these questions initially the loan process would have never started and there would not have been XXXX hard inquiries on my credit report. I asked them to remove at least XXXX of the the credit inquiries, if not all of them, since they failed to ask the proper questions and they refused! Also I received a letter of Adverse Action Notification which stated that I had over XXXX acres, said nothing about the equity loan but said that the " value of Type of Collateral not Sufficient ''. The loan request amount was {$110000.00} but the appraisal was {$230000.00}! The insufficient collateral statement is totally false! 
My goal is to get these credit inquiries removed. If Loan Depot had done their job properly and efficiently this 45 day process and all the credit inquiries would not have been necessary. 

Regards, XXXX XXXX XXXX XXXX XXXX, Texas XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Request : Deleted permanently from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a Premier Line of Credit with US Bank. I wasdeclined for this low interest rate vehicle while theyIncreased a credit card available balance from $ XXXX to $ XXXXThis and my regular line of cr have a 22 % As well as myAPR. While my credit is not perfect I believe this redliningMore than anything. I was simultaneously approved byAnother lending institution with a much lower interest rate. 
US Bank claims I have a XXXX cr score while XXXX listsA XXXX credit score from the exact same credit bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: In previous correspondence with the Wells Fargo Executive Resolution Specialist Customer Care and Recovery Group, it was my hope to update and resolve the outstanding funds ( which were paid and applied ), seems to be in influx while the Executive Department decide whom authorized ( XXXX ) unauthorized escrow analysis. Everyday since my first contact with cfpb, I have diligently attempted to contact XXXX XXXX ( XXXX ) XXXX x XXXX and XXXX XXXX ( XXXX ) XXXX x XXXX, whom are my direct contact personnel. Today I called and spoke with XXXX XXXX @ XXXX and also XXXX XXXX XXXX @ XXXX ( located in the California offices . With XXXX XXXX I requested that she attempt to locate both XXXX XXXX and XXXX XXXX and to leave them both an email. When contacting the California offices and speaking to XXXX # XXXX, I briefly went over my account and the funds not applied. This letter arrived today, yet the letter is dated XXXX XXXX, 2015. In the letter it states that my account is delinquent and in default, despite Wells Fargo receiving {$820.00}, {$490.00} and {$1100.00}, all applied and received at the Wells Fargo Bank ( XXXX XXXX ). I myself personally deposited these funds and posses receipts. Additionally I inquired if my account was updated and if the California offices were in direct contact with the Executive Offices. It is appalling to deposit funds only for Wells Fargo to then send constant letters saying my loan is in default and that they need extra time to research funds that were deposited. It seems both agencies do not communicate with one another, thereby sending out threatening letters of default. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am presently going through a judicial foreclosure in XXXX. I am not trying to keep the property but have told the Court I would like to sell. There is equity in the property. I am challenging the amount the Servicer is claiming I owe. The Court ordered discovery from both the Plaintiff and Defendant which included payment history. I complied with the payment history I could gather. This history is from XXXX to present. However, the Servicer 's initial history only went from part of XXXX until XXXX. After many requests they finally submitted the payment history 2 days before mediation. When the Servicer 's history was examined gross mistakes were discovered. XXXX of the most egregious is that a foreclosure was instituted when all payments were up to date ( this was done in XXXX ). Since I was not aware of this I agreed to a repayment schedule. After signing the repayment agreement which involved arrears, attorney 's fees, and other fees, I examine the document and found that after six months there was to be a balloon payment of {$14000.00} plus. I contacted the Servicer and asked for a modification because I knew I would not be able to afford the balloon payment. The Servicer then offered me a modification which entailed adding the {$14000.00} plus to my principal. ( This modification was interest only ). I did not fill out any application. I simply received a telephone call from an agent of the Servicer and asked if I wanted a modification I answered yes. He then said he would send me the paperwork. As I remember the modification was XXXX pages long. It is only now after examining the paperwork that was submitted by myself and the Servicer that I discovered this information. 
The Servicer has been asked many times for a detail accounting of all payments, fees and escrow items paid. They have not been forthcoming. Even their own attorney claims that he has tried to get them. So my complaint entails the following : ( 1 ) illegal notice of foreclosure ; ( 2 ) late posting and in some instances no posting of payments ; ( 3 ) illegal adding money to my principal ; ( 4 ) Under reporting of interest payments to IRS and thus depriving me of addition mortgage interest deductions ; ( 5 ) and I am questioning the standing of the assigned Trustee to bring this suit. The Trustee says and I ( quote ) Please note the Trust is the owner of the mortgage and note, not the Trustee. The Servicer is the party to the trust that has the authority and responsibility to make decisions and take action regarding individual mortgage loans in the Trust. The trustee has no authority or responsibility to review and or approve or disapprove of these decisions and actions. It is the Servicer who has taken all action regarding this property and is the proper party to address your concerns. ( unquote ) This is in a letter I received from US Bank who is cited as the Plaintiff in my judicial foreclosure. 
I would appreciate you looking into the matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send, but, was informed to pay the amount of {$6100.00}, or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX, I paid off the Take It Home Card in XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: citi bank customer 25 years for months they will not all of a sudden refund interest sunday i called and after 5 calls still got nowhere even after a rep hung up on me then offered me soemthing instead of a credit then we got disconnected i called back and was told that citi was told to close my account something i never asked for after 6 calls i still have no credit now i know its valid i know i have been refunded before i also know with all my accounts in the past 2 years several times payments have not been posted correctly this is my account ending XXXX i am unable to use the card much now due to this. 
i am so disappointed that after my loyalty there is no refund of interest as a result i am unable to use my citi cards as i was. banks give more back in charge offs to bad customers. bad cusotmer service bad english costs me time more than XXXX dollars. i am disappointed. its greed and its not customer service. i want the account but will use my cards with other banks who would not insist on keeping XXXX dollars from me 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 Bank of America/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have appealed the denial of my loan modification with additional documentation and I even received an email confirmation from my single point of contact ( SPOC ) that Wells Fargo received my loan modification appeal with exhibits on XXXX XXXX, 2015, and yet I received a different letter dated XXXX XXXX, 2015 from that same SPOC that Wells Fargo received my loan modification appeal WITHOUT any additional documents. These boilerplate letters must stop and this intentional failure to consider additional documentation is exactly what Wells Fargo has been doing for years, despite the multi-billion dollar settlements and agreements not to intentionally lose documentation. 
Additionally, Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. 1692 to 1692p. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my already served TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations. 

Company response: Company chooses not to provide a public response
Consumer complaint: They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have banked with Suntrust for almost 20 years now. I have never been a fan of their customer service but there financial products are some of the lowest cost I have found. 

I recently visited my local branch customer service person to request information about rates and terms on a cash-out home mortgage. I was required to provide my wife and my personal and financial information to obtain rates for their refinance product. In the process the person I was working with made reference to a CC promotion they were offering. I stated it sounded good but wanted to focus on the refinance inquiry. 

Long story short : The bank issued a CC to both my wife and I. Each credit card with a XXXX credit limit. I signed nothing, I asked for nothing and they issued it anyway!!! 

My wife and I have outstanding credit ( XXXX ) and debt to income ratio. We are debt free besides our home and the mortgage on an investment property we recently purchased. We are currently exploring purchasing an additional investment property. 

Suntrust has increased my available credit by XXXX without being asked to do so, and with no verbal or written request. Nothing was signed or filled out by my hand or my wifes!! HOW IS THIS LEGAL????? To make matters worse the cards issued were not even as described. The rates and terms were not as described by the banker. 

I went back to the branch and visited the manager who stated he would cancel the cards and have the activity expunged form my credit report. I do not feel comfortable asking Suntrust to act in my best interest and protect my Credit score. 

Do I have other recourse? The transaction was dirty and I feel at the mercy of a mega-bank who can act without consequences. Am I XXXX? 

Company response: Company chooses not to provide a public response
Consumer complaint: I set up a Home Depot Credit Card, which apparently is serviced by CitiBank, to pay for countertop installation. I have an excellent credit rating, or at least did when I got the card XX/XX/XXXX. I NEVER received the actual card AND when I got a phone call from some company ( I did n't know it was CitiBank then ) claiming to be Home Depot and stating that I was late on a payment, I called Home Depot. The people at Home Depot told me the company had sent my card to a PO Box in XXXX, XXXX that I had CLOSED XX/XX/XXXX when I MOVED to XXXX, XXXX. Home Depot could n't straighten out the problem, could n't tell me why they sent the card to a 15 year old address, and could n't even tell me what was going on. By the way, I had n't had the countertops installed yet and when they were installed, they did it improperly. I went to the Home Depot store in XXXX, XXXX to PAY OFF THE DEBT. The store manager could n't figure out what to do, but I spoke to the CitiBank company via the store 's phones. I CANCELLED THE CARD WHILE IN THE STORE ON XX/XX/XXXX. I tried to pay the ENTIRE debt in full, but the store manager could not figure out how to do that! ( seriously! ) One of the employees said she would " figure out '' how to do it and I could come back the next day and she would " have the bill ready. '' I went back the next day and the store STILL did not have my bill ready to pay and the employees spent 40 minutes trying to figure it out even though I told them to simply refund the money, recharge it and let me pay with a REAL credit card ( XXXX ). Finally, they did just that and I paid the bill in its entirety with a reputable company 's card. I have received collection calls ( documented ) from CitiBank FOR A DEBT THAT HAS BEEN PAID AND CARD THAT WAS CANCELLED on XX/XX/XXXX at XXXX ( XXXX ), XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and ( XXXX ). I received one other call from CitiBank for debt collection prior to XXXX ( which prompted my investigation ), but can not find the number and date on my phone. Each time I 've received a call, I 've tried to speak with a representative and the recorded statement is ( something like ) : " I 'm sorry, but we can not respond to your request. '' STOP THESE XXXX! HOME DEPOT WO N'T DO ANYTHING. THE DEBT HAS BEEN PAID IN FULL AND THE CARD WAS CANCELLED!!!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm writing again to yous it 's my third time because I just got my response back from my second mortgage and did not like what I was told saying that they can not combine my both mortgages together they can do a modification on my second loan but I have to put 5 % down in which I do n't have the money for and now they are telling if do n't pay the months I 'm behind they are going to put me in foreclosure I have been paying for the last eight years every month after month and being behind on other bills so I wo n't be behind on my mortgages opening credit card accounts just to pay them and now I 'm stuck paying all this cards and now they tell me they ca n't help me out unless I have 5 % down I talked to a mortgager and for some reason she had a not so nice attitude with me when I told her I do n't have all the backed up money I owe them and the money down that they are asking for I do n't know and do n't understand in what kind of loan they have me stuck on that I just ca n't seem to get any bank to help me refinance it they all have told me the same that they ca n't help me because I am not with XXXX or with XXXX or with harp so I just do n't understand that I have told them the situation and they also do n't seem that they want to help me cause if they know the banks or no one else can help why are they making hard for me to refinance my second mortgage they refinced my first mortgage and I did n't have to put nothing out of my pocket they included my closing cost in my mortgage so I was ok with that not very happy but was ok so I was hoping that they would do it with my second mortgage I do n't see why they ca n't do the same I do n't know and do n't understand why I do n't qualify for it I just believe that they are making to much money on me so they do n't feel the need to help me so you see this why I 'm writing back to yous also I do n't even know what kind of loan I have 

Company response: Company chooses not to provide a public response
Consumer complaint: I was involved in a car accident. My car was new so my insurance was on a binder until the new auto info was given. The police said i was not at fault. The insurance company, XXXX XXXX, went against the police and law, and said i was responsible. 
A collection agent, Vengroff Williams Inc., is now trying to collect money for XXXX XXXX, and the amount is over 7 times higher than the highest of the XXXX estimates. 
i have tried to talk to XXXX XXXX, and they are stone walling me and rude. I am not responsible, yet XXXX XXXX made it so. 
I simply want XXXX XXXX, to tell me how they made me liable, when the police and law say i am not. I was not cited, the other party was. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I file a application for Citibank credit card. I was denied because they said I filed too many applications. The problem with that is I file XXXX applications with Citibank and was denied all 3 times. I feel that I am being discriminated againist because I am XXXX. Citi bank need to be investigated for there credit card practices approves others but denies XXXX. There practices are troubling to me because I am being denied because of the color of my skin. ca ; ; citi bank to complain and was still denied. They are not treating minority customers right and should be looked at. 

Company response: Company chooses not to provide a public response