AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I now have a judgement against me from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for private student loans totaling they say for {$130000.00}. That is the lump sum they want or {$800.00} a month payments which I can not afford either. I have tried working out arrangements with them and at first they would take a {$100.00} a month but since I was not able to right then and I asked for paperwork for proof of my payments they wont accept that now they want those big amounts. They also wanted to raise my payments each year by a bunch and I could not say it was okay because I am unemployed and due to circumstances I will not be able to return to work. I have XXXX children to feed, cloth, and raise I simply can not afford that so I am begging you for help!!! These private student loans are killing me and others and shortly my Federal loans are coming up. I am currently on a financial hardship for them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I own a rental property and our current first mortgage was sold from XXXX to Ditech. We have not received any statements or an account number. We have tried to contact Ditech at their customer service number XXXX. We are able to use the automated repsonse system to obtain balance information, but it does not provide an account number. We when select the system prompt to transfer to a representative, the voice response system transfers us to a mailbox that is full. We are unable to get in a contact with a person. Our mortgage payment is 16 days past due and we are unable to willingfully make a payment. We also did not receive any information from XXXX or Ditech regarding the transfer of mortgage servicing rights. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This has been an ongoing issue with Transunion credit reporting. I now have copies of what 's being reported as my score. And the score they are giving others for me. I have attached a copy of my online report the I pay for. And have a copy of my report that was sent to creditor. This caused me another chance to get approved for my loan XXXX Again! I am paying money for a true credit score and am not getting it.. Both of these reports are right from Transunion and NO ONE ELSE! 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has continually rated my credit at XXXX while the other XXXX rate it at appx XXXX. I filed bankruptcy in 2008 and have had to pay cash for all personal activities since that time. No one will give me credit because of the rating by Experian. I have paid my house payments on time every month since the bankruptcy and my business has been current on all credit activities since that time. Experian will not rerate me because I do not have enough credit activity, but because of them I can not get credit. A catch 22. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted my mortgage company now XXXX times to request an assistance packet. XXXX by phone and XXXX via there online " contact us ''. In my initial call to my servicer, I was told by a collector that I am a first payment default and that this was worse than a bankruptcy on my credit. He proceeded to tell me that a modification in NOT an option. My loan is not even a first payment default. The XXXX time I called I was again quoted a 24hr turnaround time to receive the packet. Which as of this date, I still DO not have. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America is reporting my old account as " late '' XXXX. This account was paid in full. They were reporting correctly and then erroneously changed my reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: My employer received a call from XXXX saying the reason of the call was for a subpoena for me and that they could n't give any other information. Returning the phone call, I was told that a letter was sent to XXXX, XXXX XXXX XXXX XXXX ( that zip is a XXXX zip ) by US Bank with no response and I am now being taken to court ( they were unsure of which court ). They referenced a US Bank account from 2006. 

I repeatedly asked if this was an attempt to collect a debt, always the response was no, however, this line was referenced three times, " do you want to take care of this now or are we going to see you in court. " I have a XXXX credit rating. This account that they are referencing was taken care of years ago. They are trying to scam money out of people through old debts. The fifth person I talked to finally gave me an address of their location : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I recognize this address! I have sent a letter to them to cease their attempts to collect past debts! XXXX XXXX XXXX is listed as an attorney at this address. How is she and her office still in business?!?! A XXXX search shows tons of complaints! Seriously, HOW IS THIS OPERATION STILL OPERATING??? 

They have my social security number and are threatening me with illegal legal action!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to you about an account that Green Tree Servicing LLC which they purchased from another company called XXXX XXXX XXXX ( XXXX ). My account has been written off by the vendor for over XXXX years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX and also my congress person XXXX about this matter. I already tried talking to one of their representatives about this matter, but all he did was yell at me and also treated me like garbage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Tennessee XXXXThis debt is over 6 years old XXXX 2009 and was included in a previous Chapter XXXX that they never responded to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I became aware that Wells Fargo Bank , NA as servicing agent to XXXX Bank XXXX, as Trustee for Adjustable Rate Mortgage Trust XXXX, Adjustable Rate Mortgage Backed Pass Through Certificates, XXXX XXXX with the aide of XXXX Law Group and XXXX XXXX XXXX XXXX XXXX XXXX filed a fraudulent APPOINTMENT OF SUBSTITUTE TRUSTEE with the Recorder of Deeds for Washington DC know as instrument number XXXX. This document has forged signatures for a XXXX XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: A stupid woman with an XXXX accent called and asked for me by name, she then asked to speak to someone named XXXX and called her my wife. I have NEVER been married, I told her this ang said I did n't know the person she was looking for. She said the I did know her as my last name was the same as the debtor she was looking for and she demanded I pay her loan, she threatened to put my name on a list to be attributed to the debtor. She was very rude and vulgar as all dummies from XXXX are, and she hung up when I tried to correct her. The caller I.D . traced back to the Wells Fargo Bank, on XXXX XXXX, in XXXX Il. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was reported by XXXX department stor being late in XXXX and XX/XX/XXXX with my payment. I did make full payment with interest and late fee in XXXX and XXXX. With this late payment that XXXX reported to all XXXX credit reporting agencies my husband and I were not able to get the top tier interest rate of 4 % for 30 years instead got a 4.25 % for home refinance due to reported late payment that was payed in full. Contacted XXXX department store to get the late payment removed from the XXXX credit reporting agencies but XXXX was unwilling to remove the XXXX late payments even though the fee, interest and balnce as payed the subsequant month. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am very upset with Bank of America on the {$700.00} they have taken from my checkingaccount since XXXX of 2014 up until today. Numerous times they have accessed overdraft fees of {$35.00} for overdrafts and extended overdrafts even though my account balance was positive but because debit card and checks where presented that night and only showing a processing and not actually been paid they are accessing the overdraft fees. This should be against the law. To make matters worse direct deposits of my paychecks are showing but only being cleared the next day so that they can deduct the overdrafts first then process my direct deposits. Is there anything that I can do or a lawyer that I can contact to sue B of A to get the {$700.00} overdraft fees returned to me? 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally FinancialXXXXXXXX, MN XXXX XXXX 2015Re account : XXXXOn a turned in leased XXXX, I previously received and paid a bill for $ 190+ to cover " excess wear ''. That bill contained a link that allowed me to view the " excess wear ''. 

Two weeks later, I received another letter, informing me of the " unearned rent charge '' to be returned to me, less " Excess Mileage/Wear of {$180.00}. This time there was no information that allowed me to see an " excess ''. Your letter did, however, tell me I could reach you online, although, since the lease was over, your site did not allow me to do that. 

Questions : ( 1 ) What is the exact nature of the " Excess Mileage/Wear '' charge of {$180.00}? 
( 2 ) Where is the visual proof of this wear? 
( 3 ) Do n't you think it is unreasonable and misleading to send XXXX separate charges? 
( 4 ) Would n't you agree that it is high-handed to send an undocumented bill? 
( 5 ) Do n't you care about repeat business? 

Please document or delete the latest charge of {$180.00}, and return to me the full " Unearned rent charge '' of $ XXXX, XXXX XXXX XXXX, MI XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Wells Fargo Mortgage on XXXX XXXX, 2015 to refinance my home. After wasting excessive time gathering the necessary paperwork, receiving and sending at least XXXX e-mails, receiving and sending countless phone calls, by the beginning of XXXX 2015 closing had not taken place. After I submitted all the documentation I was asked to provide, paid an appraiser {$400.00}, and paid {$25.00} for credit reports, Wells Fargo Mortgage made me go to a closing appointment that did not take place because the attorney did not get the loan officer 's okay to close. 

When I spoke with the loan officer about refinancing my home, I requested for the closing costs to be included in the loan amount. The same loan officer sent me XXXX Rate Lock Agreements, XXXX dated after the other XXXX. I noticed there were closing costs, on a separate field, in excess of the loan amount. I spoke with the loan officer 's supervisor and explained I had instructed the loan officer to include the closing costs into the principal loan amount. Instead of the supervisor responding to me, directly, he forwarded somebody else 's answer. After I made several inquiries regarding the closing costs still appearing, the loan processor informed me the closing costs were to cover a year 's worth of the homeowners ' insurance premium. 

After I was given this information, I realized the loan officer took it upon herself, without my consent or notification, to secure a homeowners ' insurance policy with a different insurance company. Apart from the loan officer 's unethical behavior, the premium would have been {$500.00} higher than the insurance company I chose and which I had started making payments in mid XXXX. 

Besides the erroneous additional closing costs, the loan amounts changed, within XXXX day, in excess of {$2000.00}, even though I continued to make mortgage payments on time. 

Wells Fargo Mortgage never gave me a reason for the delay or the inability to close on the loan. During this process, I was addressed in a disrespectful manner, on several occasions, by the loan officer. Because of the loan officer 's actions, I was compeled to send her a rude e-mail complaining about her attitude toward me. The loan officer responded by leaving me a voice mail message threatening me to file a complaint, against me, with Wells Fargo corporate office. 

I sent an e-mail to the loan officer 's supervisor cancelling the refinancing process. Additionally, I sent a complaint letter to XXXX XXXX, with Wells Fargo Mortgage Board of Directors, on XXXX XXXX, 2015, explaining everythingwhat had taken place. 

Thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Macys Credit Card. They have me on electronic statements. I usually go to their credit website once per month - see my statements, and current balances - and pay what is due. To avoid interest - if I purchased furniture - I pay off the minimum due in the length of time allowed for the special purchase. 

The problem is this : for the last week Macy 's credit website is not working. I ca n't see ANYTHING about my credit balance, statement, payments. I ca n't make or schedule a payment. I have a screen shot of the error that occurs. This is happening to everyone - yet Macy 's is NOT being forthright and honest and upfront about it. There is nothing whatsoever on their regular site indicating a problem with the credit site. In fact the error that occurs appears to blame the issue on the customer " an error has occurred - time to call customer service ''. Ridiculous. I finally went into the Macy 's store where I requested a Manager. She was unable to personally get into her Macy 's account on the website either. NO COMMUNICATION WAS SENT TO THE STORE MANAGERS THAT THERE WAS A CREDIT SITE ISSUE. She called Customer service on my behalf and got the runaround - and incorrect information - and what we all get when calling Macy 's customer service. They acted like " what, the credit site is down? ". She refused to give up and told them - YES, the credit site is down. They finally relented - and said - YES, the credit site is down. This is Macys Customer Service? Who the customer is directed to call when receiving the error that the credit site is down? AFTER XXXX DAYS OF BEING DOWN? And they act like it 's news to them? The Store Manager requested that I be put back on paper statements so I could avoid the hassle of the site being down. At first she got the run-around AGAIN from Macy 's Customer Service - they told her they could not do it - and that I had to do it ONLINE AT THE CREDIT SITE. Yes, the credit site that has been DOWN FOR XXXX days. She made it clear how absurd that was - and they finally relented and switched me to paper statements. But this will take several months. So, I have to make a blind payment - without knowing whether the amount is correct for me to avoid interest. I have no idea what I have been charged - what transactions posted to my credit card - nothing. What is the most frustrating is that Macys appears to be hiding this from consumers. Most legitimate banks and stores - post information about their website technical difficulties and downtimes on their site. Macy 's says nothing. After XXXX days - nothing on their site - and I still ca n't get into their credit site. I have gone online and found others who are having the exact same issue. I would not be surprised if Macy 's denies that there is even an issue. If this complaint allows me to attach documents I will show the error screens received when I try and login to the Macy 's credit site. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank issued counterfeit bills and refuses to thoroughly investigate the issue to prevent reoccurrences and make the claimant whole again. The bank in question is the BB & T bank in XXXX, Virginia. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with Flagstar Bank, I have had this loan with them for three years now and I have never been late on a payment. I use the system of payment that they recommend to their consumers online, and in XX/XX/XXXX their system had an error. I made my payment through their online system on XXXX/XXXX/2015 and the payment in their system showed me it went through. I had funds in my bank account there was no problem processing the payment on my end. But their system had an error and did n't process the payment correctly, or that is what I was told. Their system shows the payment as being returned on XX/XX/XXXX and that is when I got a phone call from them stating that I was now over XXXX days late for my mortgage payment. I asked how that could be, I had made the payment and I knew I had funds available for it. He told me of the error and took a immediate payment over the phone from me to correct it. He told me he could n't speak to me about the XXXX day late mark they put on my credit, that I would have to send in a fax and just wait for a response. I am very frustrated with this! We have an excellent credit history, and have never had a XXXX day late payment even on a credit card much less a mortgage!! Any help would be much appreciated, I feel like if I made my payment through their system and their system had an error, it should not reflect negatively on me for doing it their way. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX department store reported me late for payment XX/XX/XXXX and XX/XX/XXXX but did pay in full interest, late fee and payment XX/XX/XXXX and XX/XX/XXXX. contacted XXXX XXXX to have them remove late payment notived with all XXXX credit reporting agencies but XXXX XXXX department store is willing even though ful payment was payed including late fee, interest and balance. this late payment reporting by XXXX XXXX to all credit reporting agencies has lwered my credid score resulting in my husband NOt qualifying for thet op tier 30 year home refinance of 4 % but rather qualifying for 4.25 % 30 year. ALL because i was lateyes twice but also did pay the late fee, interest and balance to XXXX XXXX department store 

Company response: Company chooses not to provide a public response
Consumer complaint: the amount shown is way out of proportionit was XXXX how did it go to XXXX that 's just wrong its much XXXX costed me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have overdraft protection on my bank account, yet my bank does not honor it. I understand that the bank still charges an overdraft fee, buy are n't they supposed to therefore cover the payment that caused the overdraft? All I want from this service is for it to protect me from being charged twice, once by bank, and second from business check or transaction was made out to. Am I wrong, or is n't this what overdraft protection for? 

Company response: Company chooses not to provide a public response
Consumer complaint: This place evicted me at the balance of XXXX and after that i called to see what ha pendwith my balance how do i pay it and they told me the balance is XXXX and i was out raged after 2 weeks i called back they told me the balance was XXXX now how is that POSSIBLE I LOST MY APARTMENT AT XXXX AND THEY KIP CHARGING ME AFTER AM GONE OF THE APARTMENT THAT 'S JUST IN SANE 

Company response: Company chooses not to provide a public response
Consumer complaint: Disputed last paid XXXX, on ( XXXX ) credit bureaus, company came back with XXXX as there date. XXXX C/R XXXXshows XXXX late payment XXXX, account listed as open credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015, USAA Banking Services phoned me to ask if I had authorized an additional credit card to be sent to an undisclosed address in Florida to which I replied no. They responded that they would cancel my existing card and send me a replacement.Upon reviewing my on-line acccount I discovered USAA had already sent the additional card to Florida on XXXX XXXX. I contacted USAA and told them of their mistake and they said they would correct their mistake. On XXXX XXXX they then expressed a second card to their bogus address in Florida, followed by a third card sent on XXXX XXXX. My attempts to discuss their actions over this elapsed period, as of today XXXX XXXX, has been been met with " someone will need to get back to you on this matter ''. No one will discuss my accounts, banking account, credit card theft, or other services. My on-line account reflects XXXX account number ( which I do not have ) and current Billing Statement reflects a different account which I do not have. At the present time I have no USAA credit card. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Hello, I have a mortgage with Bank of America. My loan number is XXXX. I received a property tax bill from XXXX county. My property tax has been decreased significantly. I requested to lower the monthly mortgage payment accordingly. Bank of America instructed me to fax the county tax bill which I already did, but I never heard from Bank of Amerca. 

Company response: Company chooses not to provide a public response
Consumer complaint: I need to erase from my credit report, it appear money that i never took any loan from XXXX XXXX ... .... 

Partial account number : XXXX {$220.00} I never took any loan of this amount ... ... 

Company response: Company chooses not to provide a public response
Consumer complaint: We closed our HELOC loan with paid in full disbursement to Wells Fargo on XXXX XXXX, 2014. However, we were charged with XXXX interest payments in XXXX 2014. Wells Fargo received the first interest payment @ {$230.00} on XXXX/XXXX/2014 ; and then, Wells Fargo received the XXXX interest payment @ {$270.00} on XXXX/XXXX/2014. We believe the dollar amount of {$500.00} for interest in XXXX month was an overcharge on our HELOC loan. Also, Wells Fargo charged us {$40.00} for the county recording of our reconveyance. However, the county fee for this service is {$14.00}. We believe we were overcharged for this fee. 

Company response: Company chooses not to provide a public response