AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Debt is NOT mine. I am a victim of Fraud. Multiple accounts ( credit cards ) have been opened within a time-frame when I was not even in XXXX. After finding out about the fraud through my credit-reports I placed a Fraud-Alert, went to the XXXX Police in XXXX and got XXXX involved. After those measures and disclosing proof that this debt is NOT my responsibility - it was FRAUD, all companies have withdrawn the fraudulent accounts BUT XXXX. The attached documents, statements and proof ( i.e. police report, proof that I was not even in XXXX when the Fraud occurred, multiple witnesses stateside and in XXXX, etc. ) will explain in detail! 
I have been trying for years now for multiple collectors to get the point, IT IS FRAUD, but the account keeps being sold off. I never received anything in writing from any of them, including the original company, up until now. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving numerous robo phone messages from VAN RUE CREDIT CORP at XXXX for months. These repeated voice messages clog my ability to retrieve regular phone messages. I have good credit and have never been notified of any outstanding debt. They should stop immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint : XXXX XXXX, client/consumer/XXXX # XXXX XXXX : Loan Consultant : XXXX XXXX XXXX XXXX, XXXX # XXXX : # XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA. XXXX XXXX ( cell ), XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Capital Benefit, Inc. : Lender : Loan # XXXX, escrow # XXXX XXXX : Loan rep. 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA. XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX XXXX : On XX/XX/XXXX I spoke to XXXX XXXX and after XXXX returns for XXXX : gross income : {$170000.00} and tax returns XXXX loan docs, including bank statements were given and a pre-approvalletter was given to be. 
B : Good Faith was XXXX arm with 30 year fixed at 4.25 % -- -- 5.25 % I spent the next 45 days looking at over XXXX homes and spentover XXXX hours looking and found a property to XXXX : I found a house and went into escrow with escrow XXXX in XXXX, CAEscrow # XXXX, all in good faithd : I agreed to the terms and conditions of putting 30 % down and carrying a notefor {$130000.00} and agreed from the beginning to be an owner occupied investmentproperty for me. This was all disclosed to XXXX XXXX from the beginningof obtaining the loanItem XXXX : All loan docs were given to escrow and we were to fund on XXXX record on XXXX : XXXX XXXX emails me that I can not have a loan now as owneroccupied and we are now going to use a Hard money loan. 
Instead of 4.25 % -- -- to 5.25 % for the loan, now the interest rate is 9.5 % Why and is this using bait and switch tactics? 

Item 3Then when I received the loan docs from Capital Benefit , Inc . 
XXXX the loan officer changed the terms and conditions of the loandocs : Now the loan docs were at 10.5 % with over {$4000.00} more infees from Capital Benefit to fund the house. 
A : Is this using bait and switch tactics against me as a licensed realtorin XXXX, that was disclosed to XXXX and XXXX from the beginningB : I have all emails from XXXX XXXX from the beginning of theprocess for the loan and all statements from him. 
C : Capital Benefit changed the terms and conditions at the last secondand now it was a non-owner occupied property and I did notsign the loan docs as this was not true. 
The escrow was cancelled. 
Item XXXX. I want my {$270.00} back for the home inspection I did operating in goodfaith on this loan. 
2. I want {$450.00} back as this is the amount I paid for the home appraisalthat did appraise at {$190000.00} to buy the home3. My time is worth {$200.00} an hour as a realtor and I spentover 40 hours of my time to find the property and buy it, I want {$8000.00} back to me. 
4. The commission I was to receive for the deal was $ XXXX I deserve this back as well 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by XXXX XXXX XXXX. Thereafter, I personally contacted XXXX XXXX XXXX and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with XXXX XXXX XXXX. I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, XXXX XXXX XXXX recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was with Western Sky but they have sold the loan. Delbert services is showing on my credit report and so is Western Sky. I have been paying the loan off every month and finished in XXXX. But now Both Delbert and Western Sky show as owing money. The interest rate was well over 95 %. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a comlaint XXXX XXXX, # XXXX. I did receive a call the next day from the mortgage co. They promised to follow-up, but have not. In the mean time they have listed our property for foreclosure. We have not been given a clear reason as to why the loan modification was declined. The loan servicer who called was unsure why the underwritter dnied modification. We were told that a conference cll would be set up for us to speak with the underwritters. This has not happened. If foreclosure is the only option, then ok. But we have not been given an adequate explanation for denial or explained the appeal process or allowed to seek other options, i.e. short sale. It seems as if the mortgage company is delioberately not returning our calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a free 2 year credit report from experian and i noticed that there was something on my public records that i knew absolutely nothing about, i was also a minor at the time still going to school and living with my mother. i have tried calling experian, the court where it says it was filed at and many other places and nobody has been able to help me with this issue. i believe that it may be fraud, i need help finding information on this situation. thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying my mortgage to in PITI for years. My monthly Mortgage ( PITI ) has been XXXX the past 2 years. 
It is my right as a mortgagee to pay any escrow shortage rather than accept any rate increase. The Principle and Interest amount is fixed and is only subject to amortization.The only change in amount due is based on an Insurance increase or a tax increase. If either or both should happen, it is the mortgage company responsibility to notify me of an rate change. They have not. 
If there is an anticipated shortage in the escrow the mortgage bank by law is required to notify me of the shortage. Then I have the option to send a check for the shortage amount or accept a rate increase. 
I have always sent in any needed escrow shortage and reject a payment increase. Wells Fargo is attempting to take away my option by forcing me to accept a payment increase. They have not sent me any escrow shortage notice. My principle and interest payment remain fix. Wells Fargo is now taking my monthly payments hostage and not applying it to the principle and interest and sending me late notices and threatening me with foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have resided in this home since XXXX, I fell into some financial distress in XXXX after struggling I filed for Chapter XXXX Bankruptcy in XXXX. The Bankruptcy was discharged in XXXX, I continued to pay my mortgage after the discharge. I sought Counseling from an agency to try and obtain a modification of mortgage. I was successful in getting the XXXX of XXXX, to assist me in obtaining a favorable modification of mortgage in XXXX XXXX when the agreement was signed and submitted to Green Tree Servicing. I have Repeatedly submitted my Re-affirmation of the mortgage debt to Green Tree XXXX ( XXXX ) times to be exact and I can not get the servicer to update their records and report favorably to the credit bureaus. I started this quest at the beginning of XXXX we are at the end of XXXX and Green Tree continues to give me the run around. Claiming once they lost the paperwork, I have mailed the re-affirmation including by certified mail. I can not take Green Tree 's lack of acknowledge to continue to destroy my credit profile. I pay my mortgage on time every month and yet I have not been getting any type of compensation for the mishap Green Tree is causing me. I desperately need from CFPB or anyone on my behalf to intervene and enforce Green Tree to Update their systems with the Reaffirmation of the Debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage principle is currently at 77.9 % LTV and trying to terminate PMI with US Bank. Home was purchased XXXX/XXXX/14 and payments are up to date. Multiple attempts to contact US Bank to terminate PMI have not worked but local US Bank mortgage loan officers have stated it will be terminated. However PMI is still being included on my loan statements. 
Regards, 

Company response: Company 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. The loan was approved for a short sale. The offer was put in for a short sale and the offer submitted was not enough. A new contract and offer was also submitted and they are refusing to move forward with the short sale because " a short sale can not be done at this point because there is not enough time for the short sale process. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo XXXX credit card approved me a promotional offer of no interest if paid in full within 18 months. Half-way through the terms I noticed the company was not charging me equal payments but slightly lower payments to ensure that I would be required to pay the full interest amount at the end of the term. After noticing this, I put down several large payments to remove the balance. The balance was paid on time before the end of the promotional period but I was still charged the {$4000.00} in interest. During a phone call to the company, the representative stated that my last payment ( {$370.00} ) was partially applied to another purchase ( amount of {$290.00}, to a balance of {$850.00} ) instead of paying off the remaining balance of the 18-month promotion ( {$230.00} ). The representative said that the terms I signed up for did not state equal payments nor were they required to expend the minimal payment amount to the oldest promotional balance first. This is a predatory tactic aimed to trap the consumer. Please resolve. 

Company response: Company chooses not to provide a public response
Consumer complaint: 360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are several different addresses for one address that I lived at and there is also an address that is not mine. My spouse/co-applicant is incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have continually made overpayments towards my vehicle loan in an effort to reduce the principle amount and, in turn, reduce the amount of interest being paid towards my loan. I contacted FIFSG ( First Investors Financial ) when I noticed all of my overpayments were being split between principle and interest. I contacted FIFSG the first time via telephone and was advised this would be corrected. When my payment was made in XXXX 2015, I reviewed my account and noticed the first request and resolution had not been honored and my overpayment again was split between principle and interest. I sent an email and received a response to allow XXXX hours for my request to be processed and the change to occur. After making my XXXX 2015 payment, I again noticed no action had been taken to correct the payment allocation on the overpayments and my XXXX payment had, again, followed the same pattern. When I contacted FIFSG on XXXX/XXXX/2015, I spoke with a gentleman who identified himself as XXXX XXXX, a Team Lead. I explained my reason for calling, how I contacted the company twice before and no changes had been made. XXXX XXXX then tried to tell me how my interest was being calculated on a per diem basis and why the amount of the per diem interest was being calculated and I have a simple interest loan. I explained to XXXX XXXX my request was to have the overpayments applied to the principle and the interest remediated, I was advised both verbally and in writing this would be done and my account still shows no changes. XXXX XXXX continued to explain to me how interest worked and I advised I was well aware of how Finance worked considering this is my career field. I then advised I was going to file with the CFPB if this did not get changed. XXXX XXXX continued to argue with me and I ended the phone call with the statement of filing with the CFPB to step in and help. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was sold to a company called SLS ) Specialized Loan Servicing XXXX in XXXX of 2015. Since that time they call my home multiple times per day, almost everyday. Sometimes XXXX right after another. My account is not in arrears, my information is current and they have all insurance documentation. I have repeatedly asked them to stop calling. I have also faxed them a cease and desist as they requested. The calls have not stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Wells Fargo today and they advised that I was 51 days delinquent. I was a little confused as to why. I spoke with XXXX who first advised that he was a supervisor ( I later found out that he was a lead ) and he advised me that if a partial payment is made on the account, then it is not applied towards the account and that interest accrues daily on the full amount due. I have made larger payments towards my account for some time. I want to make sure that the company is calculating the interest correctly. If they are not, I would like for them to adjust my account accordingly. Also, the person on the phone advised that he was a supervisor, when he was not. He was a lead. This is misleading. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to a serious illness of XXXX of us beginning in XXXX, my spouse and I experienced financial difficulties that resulted in a charge off dated XXXX XXXX, XXXX, with our Mortgage Lender on a home equity line of credit ( second mortgage position ). Our first mortgage remained paid, but the home equity line lender, Wells Fargo Bank, obtained a judgment against us in XXXX, and has been receiving monthly payments ever since XXXX, currently in the amount of {$600.00} per month, being voluntarily paid by us. Since XXXX, we have been trying to refinance our home to pay off the judgments against us, by using the equity in our home, so that our credit scores will recover, and we can get fully back on track. But Wells Fargo continues to report the XXXX XXXX charge off as a current charge off, dated XXXX XXXX, in addition to reporting the XXXX judgment, which has caused our credit scores to continuously remain " deadbeat '' low, to the point that we can not qualify to refinance our mortgage to help clean up this credit mess. How can Wells Fargo continue to ding our credit score XXXX, by reporting both a judgment and a charge off against us, and show the charge off as only a year old, when in fact it occurred in XXXX? Please Help Us. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I would like to dispute a overcharged that SPIRIT_Bank of America ' Credit Card hadcharged me. I consumed {$850.00} and sent check # XXXX on XXXX/XXXX/2015 to pay thisThe Spirit-Bank of America claimed they received it on XXXX/XXXX/2015 and are charging me a late fee {$40.00}. 
I sent my check on time to fully pay my due ; What ever happening in their office or USPS is not part of my responsibility because I received the payment bill on XXXX/XXXX/2015. 
Thus, I could not had sent payment before. 
Please help me in resolved this matter. 
Best regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I gave alliance collection a letter on XXXX XXXX, 2015 and gave them 30 days to prove all the debts were valid and mine. They failed to meet this request. Thus I 'm asking that all my negative marks be removed from my credit bureaus immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: It seems that some information which is not mine is on my credit report ; I have asked the credit reporting bureau to send me proof of the original loan with my signature, but they have refused. Please remove these items or send proof of my signature on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. 

The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). 

They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. 

I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! 

How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a Widow who has asked for assistance, never received it and I am now being harassed by Citi Mortgage. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from Citi Bank/City Mortgage since 2012 but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for each month including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and waited 7 or 8 months to deny me. I asked again recently and I was denied again. I needed my loan modified to a smaller payment so that I could keep up the payments, I did n't have far to go to finish paying off the balance. Because Citi denied me help in order to keep up the payments, I used my savings to supplement my income. Now my savings is almost gone and there is nothing left to supplement. I am not behind, not even one month but now I am being harassed by Citi Mortgage each and every week. I have to pay them at the end of the month but I am not behind. I only owe them a total of {$9300.00}, my monthly payments are {$300.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from Citi Mortgage XXXX where I have a home equity loan would have worked with me. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. The only thing I can do is to pay my bills as best I can and City will have to wait to get it until I have it to send. Each week they send me threating letters of foreclosure and modification forms which I will not fill out, I know from past experiences, they have no intentions of helping me with anything but out of my co-op if I ca n't pay rather than work with me towards a solution. I am being harassed. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them. 

Company response: Company chooses not to provide a public response
Consumer complaint: We pay our margage to Wells Fargo every month ' it is not showing up in out depts 

Company response: Company chooses not to provide a public response
Consumer complaint: I received notice around the XXXX of XXXX that HomeBridge Financial Services had purchased my mortgage and would be servicing my loan. In this notification it stated that I would need to start sending my mortgage payment to them starting XXXX XXXX, 2015. In the letter it stated that I would not be able to establish an new user account or access my loan information until XXXX XXXX, 2015. On Monday XXXX XXXX I tried calling the number listed on the notice to make a phone payment, but the automated phone system would not recognize my social or loan number i provided and I got stuck in a loop. After this I decided to wait until the XXXX and try to pay online. This morning I tried setting up a new user account on HomeBridge 's website and it keeps telling me that they do n't recognize my information. I then tried again to call and after XXXX minutes of trying to get through the automated system, which also did n't recognize my information, I finally got through to hold music. I then waited on hold for XXXX minutes to get a hold of a person so that I could make my payment. I have wasted a considerable amount of time trying to resolve this issue. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: A man called me I asked who it was he refused to tell me so I refused to identify my self. He said I have to I 'd myself. I told him if he did not I 'd himself to stop calling my phone. The man said they will keep calling no matter what I say or do. I hung up and looked the number up online it 's a company called agt. This is a debt collection company. 

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