AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: QUALITY LOAN SERVICE CORP of XXXX XXXX is a third party loan servicer who is illegally trying to foreclose on my home by scheduling auction sale on XXXX XXXX, XXXX. TS # XXXX XXXX. They are not representing any entity with a legal right to demand collection and sell the property. 
Trustees Deed XXXX/XXXX/XXXX XXXX Grantor/Grantee XXXX XXXX has been overturned by the court. 
The paragraphs bellow are from one of the documents I have attached. 
Trustee Sale No. XXXX Loan No. XXXX Title Order No. XXXX NOTICE OF RESCISSION OF TRUSTEE 'S DEED UPON SALE " On XXXX/XXXX/XXXX, at the property was purportedly sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
f/k/a The Bank of New York Trust Company, N.A., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX, being the highest bidder at such sale who bid the amount of {$430000.00}. 
5. The Trustee has been informed that the Trustee 's Sale in question was conducted through inadvertence and oversight. The Trustee 's sale of XXXX/XXXX/XXXX, as described above is null and void and of no force and effect. 
6. The express purpose for this Notice of Rescission is to return the priority and existence of all lien holders to the status quo ante that existed prior to the Trustee 's Sale. 
NOW, THEREFORE, THE UNDERSIGNED HEREBY RESCINDS THE TRUSTEE 'S SALE AND PURPORTED TRUSTEE 'S DEED UPON SALE AND HEREBY ADVISES ALL PERSONS, WHOMEVER AND WHATSOEVER LOCATED, THAT THE TRUSTEE 'S DEED UPON SALE DATED XXXX, FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. f/k/a XXXX., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX AND RECORDED XXXX AS INSTRUMENT NUMBER XXXX, OF OFFICIAL RECORDS OF XXXX XXXX XXXX IS HEREBY RESCINDED AND SHALL HAVE NO FURTHER FORCE OR EFFECT WHATSOEVER. 
Also, please see CFPB case # XXXX It is complain I filed against the previous third party servicer, which protected me from their illegal claim. This current situation is another attempt by XXXX XXXX XXXX to continue its criminal activity. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR XXXX DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX SYSTEM YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED. MUST BE DELETED VIA COURT ORDER PAGE XXXX CHAPTER XXXX XXXX. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BANK BALANCE IS INCORRECT 5. XXXX BANK BALANCE IS INCORRECT XXXX XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS 7 XXXX CHAPTER XXXX SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER 8. XXXX XXXX MUST BE REOVED DO NOT SAY VERIFIED NOT AUTHERIZED 9. XXXX BANK INQUIRY MUS BE REMOVED 10. XXXX MUST BE REMOVED DO NOT DSAY VERIFYED DO NOT PLACE FRAUD ALERT ON MY CREDIT 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company has been calling my phone non stop asking for someone I do not know and refuses to identify themeselves and the name of the company they are calling from. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XX/XX/XXXX, I have decided giving up everything and goback to my home country XXXX because i was having difficulty in many problem. and after i left the country i lived in XXXX for 2 and 1/2 years and came back XX/XX/XXXX. When i came back i found out that within that period of time my identity has been stolen and many fraud activity has happened to me. i am still not able to open the account with any banks and lived my life as a bad credit/ charge off person for past 6 years. i tried to reach FTC many times and tried to dispute the problems with XXXX and other credit bureau. and im getting ignored all the time. I desperately in a situation needing help, if i cant be helped then either im gon na have to file bankruptcy or just go back to XXXX. Please help me 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a mortgage loan from East West Bank back in XXXX XXXX when I purchased my house. Purchase price was {>= $1,000,000} and the loan was {$690000.00}. I was told by XXXX XXXX and XXXX branch manager the the rate was fixed for the first 5 years for 4.625 % and it would become adjustable ( 1 yr Treasury + XXXX ) begining XXXX XXXX XXXX but my rate remained at XXXX and now they are saying that my loan rate can not be lower than XXXX. I was never told or received any disclosures that there was a minimum rate. I was milsled by East West Bank representatives by both loan officer who does n't have a NMLS number and the branch manager 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ditech aka Greentree has ripped me off with unsubstantiated late charges and other " mystery fees ''. When contacting them I spend hours of my life on phone. 
It is really very simple ; I have a schedule showing payments always made within the grace period. I have until XXXX of the month to pay. In cases where the XXXX falls on a non banking day that is supposed to roll to the next banking day. Not with Ditech / Greentree. That 's just another opportunity to rip off customers. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The medical bills were paid by insurance companies the bills was the result of an auto accident XXXX XXXX paid the bills for the emergency room and for all services rendered that day I also have full XXXX and XXXX so I have n't received any medical bills from hospitals or doctor for over 3 year for over three years sinc XXXX years since XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They saying I had got a pay day loan but I did n't 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: After submitting a mortgage application 1 month ago, Bank of America has not sent us the new Loan Disclosure form. BofA, when asked, said they were not aware that a Loan Disclosure form was a requirement. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a security freez and i am a fraud victim and I have XXXX Showing on my transunion report and XXXX and XXXX and I dont do any of these companys and i do not own any one any money and they are contacting me and threating me to go to court and sue me and garnshise my wages from me. Please help me my email is XXXXXXXXXXXX how do i report these that are threathen me and cussing at me and telling me they are going to hurt me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Last month I was approached by the local branch manager to use XXXX Wells Fargo 's products. I was not interested but after serval attempts I agreed to sit down and listen to what Wells Fargo has to offer. I purchased a house cash and was told to apply to a zero fee home equity loan@2.99 %. That sounded good and I proceeded although I really did n't want my credit pulled just to try, I was assured since I have a XXXX credit score and XXXX the loan amount in a savings account with Wells Fargo that this will be very quick and easy. It has been XXXX since I applied, I have spent more than 40 hours preparing documents sending documents and treated like I was a criminal. This has been the worst experience in my life!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was notified by my Carrington Mortgage that my flood insurance policy had been canceled or expired on XX/XX/XXXX15. Since I live in a condo and our building was never required to have flood insurance, this was news to me. Still I scanned the letter and emailed it to our association manager for him to check into it. Apparently we are now required to have flood insurance. The manager scheduled surveys and worked with our insurance agent to get this done. I received a XXXX letter that stated that, if they did n't get a policy declarations page faxed to them in 20 days, Carrington would purchase flood insurance for me and bill it through my escrow. I spoke to XXXX agent at CMS with no satisfaction ... she only repeatedly told me that they would be purchasing flood insurance for me XX/XX/XXXX. Shortly after, I received, from our association 's manager, a copy of the flood insurance premium payment made XX/XX/XXXX with a 30-day waiting period for coverage to start. XX/XX/XXXX 2015, I wrote a letter ( attached ) and faxed it to the fax number for the policy declarations explaining all of this. I also asked for an email response and have yet to receive it. Today, after I saw in my online account that they had force placed flood insurance on my mortgage, I called the insurance department of Carrington Mortgage. I was told that they could not accept the copy of the premium payment and that nothing short of the policy declarations page could remove the policy they supposedly purchased. Although I had until today, XX/XX/XXXX to provide that proof, they placed the coverage on my loan XX/XX/XXXX and backdated it for the coverage to start on XXXX XXXX, 2015, the supposed date that my nonexistent last flood policy was canceled or expired. I 'm sure that Carrington Mortgage is going to attempt to charge me for several months of flood insurance even though a ) there was no policy in place until XXXX and b ) I, our association manager, and our insurance operated in good faith from the date of receipt of the first letter to secure flood insurance for our condominiums. I am not individually responsible for flood insurance for the condo building and we did everything in our power to get this done. I fear, based on my reading of many, many complaints about Carrington, that they are using this method as a way to increase fees to the business and defraud its clients. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I used Google Wallet to pay my roommate rent. It was linked to an account I had recently closed and I did n't realize this until a few days later. I removed the closed account and added my new one and repaid my roommate from that account. Without my consent, Google paid out the original payment and drew my Google Wallet balance negative instead of rejecting the unfunded payment. I never gave them permission to do that and that payment should have just been rejected. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have worked extremely hard to improve my credit ; however, it appears as though my efforts are in vain. Everyone hits a rough patch in life and I 've definitely had my share but I worked tirelessly to repair my credit. I made tough sacrifices but it seems as though I can not get ahead. My co-worker filed bankruptcy a few years ago and has a better credit score than me. I could have done the same but eventually someone stills pay for that " free get out of jail '' card. She just refinanced on her existing home with a lower interest rate because of her great credit score. In the XXXX XXXX of last year my credit score was over XXXX with many outstanding debt. I began to pay them down and focus on home ownership. Since I 've paid down most and been current on my debt I ca n't get my score over XXXX. A loan officer pulled my credit a couple days ago and here 's what it had to say : Serious delinquencies and public record or collection filed, too many inquiries last 12 months, Time since delinquency is too recent or unknown. Now to the credit of the bureaus I do have XXXX liens in which one was released. However, it 's the same information that 's been on my report for several years. The one that 's released has not been removed from my credit reports. To add insult to the injury I tried calling the bureaus. Have you tried lately??? It 's a joke!!! Credit Bureaus and Credit Reporting Agencies rank in what the top XXXX % of complaints yet they go unmonitored and unaccountable for information they report. My goal in life is to lend, not borrow and owe no man nothing! I hope the person reading my email do n't take offense. I 'm frustrated and disappointed that I 'm penalized because I tried to do the right thing by paying my debts. If I filed bankruptcy I would be in a better position. My co-worker is just one of many stories I 've heard. The message of it 's better to bankrupt than to pay up is being heard across America. Will someone take a stand and make these agencies be more accountable for the information they report and more accessible to the pubic? 

Company response: Company chooses not to provide a public response
Consumer complaint: As someone who had previously worked in the credit card marketing industry for several years and also an avid user of credit cards from most issuers, I can attest that Citi is arguably the most dishonest company when it comes to bait and switch reward bonuses. Most recently, I applied for a new credit card, the Citi ThankYou Premier, and did not receive my new card for over one month after approval. Citi blamed this on difficulties they had in their card manufacturing department, and hence, all new accounts during an appx 2 weeks period would not be receiving their cards for several weeks after approval. The problem with this is the spend bonus for the new account was XXXX bonus points for {$3500.00} in new purchases within the first 90 days and the 90 days began 10 days after approval. They intentionally delayed shipment of the card and refused to rectify it by extending the time possible for earning the bonus ( i.e. adding 35 days to the time frame, in order to make up for their delay of shipment of the card ). This adversely affected me as I was not able to earn the bonus with normal spending and had to exceed normal spending to earn it. During an approximately 55 minute call I had with them regarding this, they agreed to give me a measly XXXX bonus points for the trouble, which would appear on the next billing statement. This never appeared despite multiple reassurences via their online customer support chat that it would. Most recently, now over 3 months later, they are refusing to honor it and claiming they never agreed to give XXXX bonus points. However this is all documented thoroughly on a recorded call which they refuse to review, despite me insisting through multiple online messages, they continuously respond with a boilerplate response they ca n't help and to have a nice day. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bill was received for a test or lab work that I never took part in. I notified debt collector ( Financial Recoveries, XXXX New Jersey ) within 30 days that I disputed the debt. I asked them for proof of medical tests performed. They did not provide that proof, instead mailed me a print out of medical codes from a screen on their computer. In less than 30 days of the debt collector sending me the first letter they had already reported it to credit companies. ( Letter mailed to me XXXX/XXXX/2015 late charge filed on my FICO score XXXX/XXXX/2015 ). 

The bill is for " Lab Work '' from XXXX Hospital. I HAD NO LAB WORK DONE! They said my XXXX filed it. I never agreed to this. No labs were ran, and no results provided. I called the hospital and they had no records of any lab work. The debt was only {$170.00} and now my credit score has taken an unnecessary hit. I was unaware they reported the debt to FICO until my score dropped and I had to look into it. I was unaware they reported it because other than the second letter they sent me which only contained a print out of medical coding screens, they never attempted to collect the debt again. So I was left to believe my letter disputing the debt must have proven to them that it was invalid and they dropped the claim. 

I am just a hard working individual that pays what he owes in life. If this was a valid debt I would have most certainly paid it. This is unbelievable. 

I have medical insurance and my deductible had already been met for the year. My insurance company was confused to this bill when I contacted them as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time. 
The " Account Status '' button up top was the closest option to my situation. Technically, the status of my payment history on my account is incorrect and it needs to be fixed. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased an item from the company, we found the item local and inquired with the company via chat on their website how to return the item. They advised us just to reject the item delivery. That is exactly what we did and the company states they never received the item and will no longer return our contact attempts to help resolve the issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Request to REFINANCE HOME MORTGAGE LOAN currently with Wells Fargo Bank , N.A . Home Mortgage Division. 
XX/XX/XXXX I contacted a Wells Fargo Agent ( XXXX XXXX XXXX ) requesting to REFINANCE my current home mortgage loan. Current Interest Loan on my mortgage is 5.625 % After several phone discussions XXXX XXXX e-mailed me XXXX " Approximate Loan Cost Illustrations '' I chose the XXXX loan cost illustrations with the interest rate of 3.500 % ( see attached exhibit titled " Wells Fargo Approximate Loan Estimate ''. ) I also e-mailed XXXX XXXX asking for a " Loan ( Rate ) Modification ''. He responded by saying he does NOT 'Rate Modification ' but " ... .understand that a loan modification is usually do n't ( done ) for an extenuating circumstance, not just to improve the rate on your current mortgage .... '' XXXX XXXX asked me to call XXXX for assistance on loan rate modification. I called this toll free number and spoke to several Wells Fargo Agents such as XXXX XXXX, XXXX " XXXX '' and so on. These agent ALWAYS hang up on me without concluding our conversation. 
I called XXXX XXXX back agreeing to proceed with the application for the Refinancing of my mortgage loan at the " Approximate Loan Cost Illustration '' showing the interest loan of 3.500 %. We both agreed on this interest rate when XXXX XXXX told me that " Wells Fargo 's internal record of my mortgage payments showed that I have been late more than XXXX-times in the last one year. '' I tried to explained to him that for years now Wells Fargo has been making successive mistakes in the way the bank apply my loan payments. XXXX XXXX terminated our conversation and transferred my call to another Wells Fargo Bank 's Customer Service toll free number which nobody answered. 
XXXX XXXX ( Executive Mortgage Specialist ) XXXX, extension XXXX I called XXXX . XXXX several times and left a message for her, with my phone number, but XXXX XXXX XXXX NEVER returned my call. ( Note : In the past, on another issue, XXXX . XXXX sent me a letter ( dated XX/XX/XXXX ) with her phone number encouraging me to call her if I have any question on my Wells Fargo mortgage. Whenever I called her, the voice message will say " I am in the office today ... XXXX please leave your name, phone number and mortgage number .... '' I was never called back. 
QUESTIONWhy will Wells Fargo Bank ( Home mortgage division ) not want to REFINANCE my mortgage? 
REQUEST. 
1. I will like to REFINANCE my home mortgage loan with Wells Fargo at today 's Interest rate of 3.500 % as e-mailed to me. 
2. XXXX APPLICATION TO REDUCE MY MORTGAGE : I requested to REFINANCE my mortgage and NOT through XXXX XXXX from Wells Fargo. Pls stop sending me solicitation for a XXXX XXXX to reduce my mortgage. 

Company response: Company chooses not to provide a public response