AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was applying for a loan modification with Citimortgage for my second mortgage loan. The interest rate is 8 % and my husband has been out of work since XX/XX/XXXX. He is terminally ill and is now on social security XXXX. I keep trying to work with Citimortgage and they keep asking for more information/documents. I continue to provide them what they ask for. This last time the loan modification review process began in XXXX XXXX. This is ridiculous, this process should not take 5 months. Each time they have asked for more information/documents, I have provided them asap. Attached are all my email exchanges with them. Most recently, I was receiving weekly emails with status updates that were really no update, just that they did not need any more information from me and that they were reviewing my loan for a loan modification. I realized after a few weeks that I had not received the weekly email, so I sent an email and of course did not hear back. Then I sent another email and my support specialist assigned to my account, said that my loan was now in Recovery. They can not do this. They need to finish the review of my loan modification request and notify me of an acceptance or denial. They also need to notify me that my loan is now Recovery. What kind of company does this? I work for a mortgage company, I know this is wrong. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: MY INFORMATION WAS STOLEN OFF A SERVER THAT EXPERIAN HOUSED FOR XXXX AND THE SERVER WAS HACKED. ALL PERSONAL INFORMATION WAS TAKEN. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: complaints : XXXX Consumer Cellular service and Professional Collection Service have made XXXX entries with Credit Reporting agencies once XXXX 2015 and XXXX 2015 stating that I have an account balance that goes unpaid and is in dispute. My previous complaints clearly points out that the balance consists of fees that are not justifiable. 

They are attempting to damage my credit rating by using this approach. Again, Consumer Cellular and Professional Collection Services are attempting to have me pay a {$25.00} fee plus XXXX-dollar late fees due to my refusal in releasing a dispute with XXXX XXXX against XXXX XXXX for an unauthorized debit on my bank account. 

Please review my previous complaints ; I was notified of the Credit Report activity by my Credit Union on Wednesday XXXX/XXXX/2015, confirmed by the Credit Reporting Agency XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX EXPERIAN KEEPS PLACING A FRAUD ALERT ON MY CREIT REPORT I HAVE ASKE THEM TO REMOVE IT OVER 10 TIMES AND I HAVE BEEN IGNORED AGAIN!!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: We are trying to request a short sale with Citi and they have not responded in over a month. All the requested items have been provided ( XXXX ) and we have an offer that meets the VA short sale required XXXX. I have been experiencing issues with Citi and their delayed responses. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted multiple request to Trans Union to remove several inquires on my credit report which were not mine. At first they refused saying it was my responsibility. I then showed them Federal Law sating it was their. They never responded. I then filed a complaint with the FCPB, and they removed one inquire but not the others, and provided not explanation why they did not. The ONLY credit I have applied for was XXXX XXXX through XXXX XXXX. There are other inquires such as XXXX XXXX which is not mine. I have not applied for a student loan in decades. I continue to get notices that an inquiry has appeared on my credit report. I have said I suspect fraud. TransUnion has ignored it. Please remove ALL inquires from my credit report except the XXXX XXXX/XXXX/XXXX or provide documentation that I authorized them. TransUnion File Number XXXX date of issue XXXX/XXXX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed a previous complaint on the company four months ago. In their response they said they would send validation and they STILL HAVE NOT SENT ME ANYTHING REGARDING THIS ERRONEOUS ACCOUNT. This is absolutely ridiculous! This company has violated Finance Code Chapter 392 Section 392.201. The law says that they must send all files concerning that consumer no later than the 45th day. I originally disputed this account in XXXX and never received anything. Validation will not do at this point and time. THIER TIME TO INVESTIGATE AND REPORT TO THE CONSUMER IS UP!!! I will be filing a complaint with the FTCXXXX and the XXXX today! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX/XXXX/15 I went to pay My Nationstar Mortgage online and the bill had quadrupled. Nationstar has decided to quadrupled my mortgage and the previous statement that was sent to me in the mail in XXXX did not reflect this change. I had never escrowed my taxes before, but had been late the previous year, but was in a payment plan with XXXX XXXX on my property so I never thought I needed to worry about it. Nationstar was no collecting on the bill I was in a payment plan with and all future " estimated '' tax bills. I was n't prepared. I called but the call center was closed so on XXXX I called immediately in the morning. A representative said that they would look into it and see what they could do. I told her that I always pay my mortgage on the last day of the month and that I did not want a ding on my credit. She assured me that this would not happen. They told that I should refinance and start the paperwork with them and that would stop any action. I sent in some paperwork, but then decided that I did not think that this was wise, and that I should look into selling the home. On XXXX, I received a revised bill, which I immediately paid, only reduced by a XXXX, and Nationstar reported the payment as late even though they told me that they were working on the bill and that they were changing it. This is a predatory practice, and they are wrong. I was never late with a payment, and struggled to pay the mortgage until I sold, and I did, every single month while raising my child as a single mother and they preyed on me. I owned my home and had stellar credit. I put the house up for sell, and now because of the late payment they put on my credit report for their misdirection, it could prevent me from buying again because of the drop in my credit score, which they wanted to happen so they could force me to finance with them, or do a homeowner hardship program, which I did not need. They also required me to pay my mortgage through the XXXX account when I had a problem with my checking account withdrawal through them for some reason and they monogram would not take payments over {$2500.00}, forcing the consumer to pay all kinds of money transfer fees on top of the payments, and XXXX will only transfer that amount daily, which also resulted in a late payment for XXXX day late in XXXX They also remove electronics documents from the customer logins that they may have sent you over time so that you can not see actions that they may have taken when you go back to look. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is back from 2009 over seven years old. please remove. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My loan from WJ Bradley Mortgage XXXX ( WJB ) was service transferred to XXXX in XXXX. I had already paid my XXXX mortgage payment to WJB in late XXXX the amount of {$4000.00} with check # XXXX ; they received it and credited our account on XXXX/XXXX/2015. Unfortunately, because the service transfer was set up prior to my first mortgage payment, but the actual service transfer occurred after my first payment, the loan amount at XXXX does not reflect the correct principal on my loan. 
I keep calling XXXX and the phone center personnel either disconnect me, do n't call me back or ca n't help me. I have written a letter documenting the problem to them. I will attach it.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to get my free report today. I could n't remember if I had opened up a new credit card in 2011, so they said I could n't verify my identity. I tried again tonight and was denied access this time they claimed I had already accessed all XXXX and they wanted me to pay {$9.00} for each. When I tried to complain on the site 's complaint form it kept rejecting it saying my typed paragraph was invalid. I was just given the run around unless I wanted to pay money. Very misleading & disappointing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed a debt within 30 days of receipt of my initial notice ; however, the company still reported 2 months later to credit agencies. As a result they have damaged my credit and my reputation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My father has been in the hospital since XXXX XXXX XXXX unable to handle his finances. We called XXXX XXXX to gain access to his accounts with the Power Of Attorney papers which they would not accept over the phone. They required us to bring it and us to a bank branch with a notary in house. The closest one was 4 hours away so we left work midday on XX/XX/XXXX16 and after 4 hours we supposedly left there with the ability to log into www.wellsfargo.com and create a user name and password to handle my fathers accounts. Except the credit card they sent the paperwork to that department and said that it could take up to 4 weeks before we can access it. We drive 5 hours home ( rush hour traffic in XXXX ) and upon trying to do as instructed it said that it could n't find my information to call an XXXX number so I call and the woman says that I need a reference number repeatedly and something about the account being locked. Monday XXXX/XXXX/16 I call as soon as the branch opens and ca n't get XXXX but XXXX says that we have to be there in person with our ID for the online people to unlock the account. You have to be kidding right? I call back and he says that he will see what he can do. Hours later I call and get him again and he says that every time he tries to call he gets interrupted and just after talking to him XXXX calls and she says that she will check on this and call me back. Here it is after XXXX here in XXXX and still no access. After we got home also I called to check on my father and he is getting worse and may not be here much longer. If I spent the last weekend of my fathers life playing games with Wells Fargo instead of seeing him this is sad and pitiful what they do to people. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: SUMMIT FINANCIAL REPRESENTATIVE XXXX XXXX CONTINUES TO LEAVE DETAILED VOICE MESSAGES ON AN OPEN ANSWERING MACHINE. XXXX XXXX HAS THREATENED ACTION, TAUNTED FOR NOT ANSWERING PHONE, AND LEFT BILLING ARRANGEMENTS ON THE ANSWERING MACHINE NUMEROUS TIMES. AT NO TIME DOES HE STATE IS ATTEMTPING TO COLLECT A DEBT, OR ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I faxed the attached letter, dated XXXX XXXX, XXXX, to XXXX XXXX XXXX, Loan Specialist, America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application, dated XXXX XXXX, XXXX, copy attached. My XXXX XXXX, XXXX letter states my proposal for a reasonable loan modification, based on a {$400000.00} principal amount, a 30 year term, and a 5 % fixed annual interest rate, which is above the current market rates. Wells Fargo Bank , N.A . had obtained the Appraisal, copy attached, of the collateral real property XXXX XXXX XXXX, XXXX, MD XXXX, as of XXXX XXXX XXXX, which Appraisal determined the market value of the property to be {$380000.00} as of XXXX XXXX, XXXX. In my Chapter XXXX Bankruptcy Case No. XXXX, the attorneys for Wells Fargo Bank , N.A . signed a Consent Order, dated XXXX XXXX, XXXX, copy attached, which Consent Order stated the same terms of the modified mortgage which terms are stated in my XXXX XXXX, XXXX letter. ASC has not accepted my XXXX XXXX, XXXX proposal for a loan modification, which proposal is a reasonable proposal, which was accepted by Wells Fargo Bank , N.A . on XXXX XXXX, XXXX, which proposal agrees to modify the loan at the higher principal amount of {$400000.00}, which is {$20000.00} above the most recent Appraisal amount of {$380000.00} obtained by Wells Fargo Bank , N.A . as of XXXX XXXX, XXXX. I would like ASC to manifest its good faith by accepting my reasonable proposal. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for Experian social security and credit protection. I submitted {$5.00} via debit card to Experian to allow XXXX XXXX XXXX XXXX XXXX XXXX ex XXXX ) to verify my credit score Experian told me that my account would be open foe 90 days until XXXX XXXX, 2016. XXXX XXXX of XXXX XXXX XXXX could not access the account to verify my credit score. Experian then told me to have XXXX call a number XXXX credit file services that never replied to XXXX. I then had a conference call with XXXX and Experian and the Experian person told both XXXX XXXX XXXX and myself that within next XXXX hours XXXX XXXX XXXX could submit request for verifying my credit score. Once again Experian rejected the credit verification. The remaining option is to pay Experian {$15.00} to fully release my account from being held hostage. IF THIS IS HAPPENING TO ME it could be very well happening to millions forcing the {$15.00} payment for release of account. If this is not a systems and procedural failure by Experian then it may be potentially something more serious worthy of investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I refinance my house with Lenox financial which I was told the check I wrote during the escrow would be refunded to me but only about half was return. The realtor has stopped working with me and does n't return my call or my email complaint. Could you please help? XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a checking, savings, secured credit card, investments, and ROTH IRA with USAA bank. From hearing from friends and family of how happy they were with the service, that is what prompted me to open accounts with them. So far I have been extremely happy, until XXXX XXXX, 2015 when I tried logging on to the internet to view my account balances. I receive a message stating " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. ( XXXX ) '' I immediately contacted the bank and was informed that they will be closing my accounts due to a criminal record that was discovered. At no point in time before, during or after was I informed of a criminal record check, nor did I ever authorize for my records of any sort to be accessed. After reviewing their account opening agreement, and other disclosures, nowhere does it state that a criminal record search maybe conducted and/or may bar you from an account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX of 2015 my savings account at Citibank was hacked into. XXXX unauthorized withdrawals of {$500.00} and {$300.00} were made by unknown individual. The problem was reported to Citibank via the phone the next day. The bank declined liability for this and have not reimbursed me for this loss. According to the research I have done, they are responsible to reimburse me for my loss, but they are denying. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a private loan with Wells Fargo that I have paid on time religiously for 4 years. The payment is $ XXXX but I always pay {$200.00}. Over the years I frequently paid well before each month 's due date so that I would not forget. Recently, I received an email that my XXXX, 2016 payment, due on XXXX/XXXX/2016, was past due. This was confusing as I 'd made the XXXX payment on XXXX/XXXX/2016 -- after I paid the XXXX bill on XXXX/XXXX/2016 ( due on XXXX/XXXX/2016 ). I do n't think it is unreasonable to assume that, given my history of early payments, and that my XXXX payment occurred after the XXXX payment and billing cycle, that my XXXX/XXXX/2016 payment was intended for XXXX. 

I called Wells Fargo and was told that any payment made 20 days prior to the due date would be counted as an additional payment, not for the next month due. I should be clear again that I did n't overpay XXXX by {$200.00}. I made a separate payment of the same monthly amount that I always had, frequently very early, with no issue at all. I was told that the XXXX/XXXX/2016 payment could not simply be applied to XXXX but had to be refunded. I was then told that, because I do n't have a Wells Fargo checking account, that my payment would have to be refunded by mail, which would take " a minimum of 3 weeks. '' I was having this conversation with Wells Fargo Customer Service on XXXX/XXXX/2016, 6 days after the XXXX due date. This meant that Wells Fargo 's own process for refunding a payment that should have applied to XXXX would indeed have made me delinquent for the month. Is it fair that a financial institution can structure payments and refunds in such a way that it makes an otherwise responsible and timely customer delinquent on their debts? I raised this question to the Wells Fargo staff who informed me this was " just the way it is. '' To which I responded with skepticism, saying that this new system was probably just an inventive way of generating late fee revenues in a low interest rate environment. The representative said nothing. 

I called Wells Fargo again today, XXXX/XXXX/2016, to ask about the status of the refund. I was told it would be returned in the same manner in which I paid -- electronically to my non Wells Fargo checking account. This is welcome news but in direct contradiction to what I was assured was the only method of refund just 1 business day prior. Even the representative today could n't explain the change ( which had not been pro-actively communicated to me in any way -- as far as I knew I should be watching for a paper check in the mail in 3 weeks time ). Was the initial response on Friday a way to make me open an account with Wells Fargo that I otherwise would n't have? I have no idea but the inconsistency is as unprofessional and unfair as the initial insistence on delayed paper check refund itself. 

This is unacceptable behavior from a financial institution that has a responsibility to treat clients with respect and holds so much power over that individual 's credit history. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. 
I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. 
I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. 
CitiMortgage appears to be charging a late fee on a payment that was NOT late! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Someone opened a Bank Of America credit card in my name, fraudulently, on XXXX/XXXX/XXXX, maintained the account for four months in order to increase the credit limit, ran up a {$5500.00} bill in the interim, and then stopped paying, after which Bank Of America promptly closed the account on XXXX/XXXX/XXXX. 

According to XXXX, " According to our records, on XXXX/XXXX/XXXX Bank of America # XXXX was deleted from your XXXX credit report per the police report you provided. On the same day, Bank of America was notified the account was deleted. However, on XXXX/XXXX/XXXX, Bank of America reinserted the account to your credit report ''. 

I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & Bank of America refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. 

I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response, 

Company response: Company chooses not to provide a public response