AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX, XXXX I took out a mortgage XXXX. Less than a month later I was informed the mortgage company was filing bankruptcy. My loan server ( XXXX XXXX continued to automatically with draw my monthly mortgage payments form my banking account. In XXXX XXXX a new lender XXXX XXXX XXXX XXXX ) increased the amount and continued to with draw monthly payments. This continued until XXXX XXXX, when I received a letter from XXXX stating they would no longer be serving my loan. And someone would be contacting me. Months went by, without contact from anyone, yet the auto monthly payments continued. I call XXXX XXXX XXXX and was told I would contacted soon. The contact never happened, so I cancelled the auto payments. 
Four years later, XXXX XXXX I received a letter from XXXX XXXX XXXX. The letter informed that BAC Home Loans Serving LP has been assigned as server as of XXXX XXXX, XXXX. I Later received a letter from Bank of America declaring foreclosure. I contacted them, and reminded them of the lender 's ( XXXX ) bankruptcy.In XXXX XXXX, XXXX & XXXX, XXXX. informed me of a foreclosure sale. BAC offered a mortgage modification, to stop the foreclose sale of my home. I entered into the modification contract and continued to make payments. In XXXX XXXX XXXX records han no deed of trust filed by BAC. I contacted BAC to ask why. BAC responded with a letter. The letter stated the assignment of a new server XXXX effective XXXX XXXX, XXXX. I posed the same question to the new server, regarding the filing of the deed of trust. Their response, was the assignment of a new server XXXX a debt collector/server. When I contacted XXXX, I was told BAC had charged off the loan. Later, I found out that ( BAC ) Bank of America is the parent company of all of the newly assigned servers. As of today, there is no papers Releasing the Original Loan to anyone. No one can show proof reassigning XXXX XXXX XXXX as the server in XXXX, after the dismissal in XXXX. I have paid out over {$54000.00} to these people. The above mentioned have offered no documents of ownership. They have, also filed outstanding debt owed by me with all credit agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX loans that I make auto-payments on every month from Sallie Mae. I was told my account was " delinquent '' due to non-payment for four months. This was not true because there was money deducted every month from my checking account along with updated payment history on SallieMae.com. Interestingly enough, the person that was " handling '' my account admitted it to being Sallie Mae 's mistake. She also said she 'd make sure that the mistake would not be reported on my credit report. Fast forward to two months later and the issue was placed on my credit. I have gone through so much with this company ; I have never been more stressed in my life. I thought that this was a loan company that would let me look forward to a great college education but I ca n't when I 'm being backed against a wall for their mistakes. They are not loyal to their customers and they certainly have no remorse for their wrong doings. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: declined application for CITI credit card XX/XX/2015..Application ID XXXX. I only recv XXXX. I Only use 3 % of available credit. I have credit score XXXX. I have 100 % on-time pymts. I 've had high bal of & gt ; XXXX $ with a current XXXX balance on a few accts. Cons ; ONLY XXXX YR XXXX. XXXX THAN 2YRS rebuilding credit since Divorce. Please Help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union continues to report a balance on a negative item that is 10+ years old. 
This item should be removed all together from our report. The balance should be XXXX and the trade line removed all together as it is over 7 years old. We are 2 weeks away from closing on a loan and this item ( showing a balance ) is reported to Trans Union only and is causing us a debt to income ratio issue. It should be removed right away and we need written confirmation to provide our lender. URGENT REQUEST 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a collection with SARMA -account # XXXX totaling {$9900.00} from XX/XX/XXXX. The original creditor ( XXXX ) and myself came to an agreement and they took back the debt and closed the account. On XX/XX/XXXX XXXX removed this collection from my credit report but XXXX did not. It stills shows as open. I need SARMA to contact all XXXX credit bureaus and remove the collection from my credit report asap. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a disputed charge on my card for {$1000.00} with amazon, Citi Card put in a temporary credit until the dispute was resolved. The Dispute was resolved and XXXX gave me my credit. I then noticed online that the dispute was still open and informed Citi it was resolved, so the manually reverse the temporary credit. Several weeks letter, I received a letter from Citi that the dispute was resolved and they would reverse the credit, I called them and told it was already reversed. They said, I was correct and to ignore the letter. XXXX days later I noticed my account had the temporary credit was reversed a second time. So now I 'm out XXXX dollars, I 've connected Citi mulitple times to correct the mistake on there end but have been getting the run around. First they told me I 'd get the XXXX put back in XXXX days, I waited, then called again and told XXXX days, I waited, then told XXXX business days. I 've been getting the run around and still out the XXXX dollars. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent an offer letter to collect a debt resulting from checking account bank fees related to a closed account with XXXX. I did not have time to verify the debt but paid it given based on the offer to reduce the debt with XXXX payments of {$64.00} ( {$320.00} total ). I paid {$65.00} x XXXX times and {$63.00} for the last payment ( totaled {$320.00} ). However, the collection agency did not acknowledge the offer they made and wanted to collect the entire balance of {$800.00}. I sent XXXX requests to acknowledge that I accepted the offer with the last XXXX payments but did not receive any response. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got a letter in the mail today then 5 minutes later called the sender XXXX. XXXX. The letter was signed by XXXX XXXX, XXXX XXXX. I spoke with XXXX XXXX. She said I wrote a bad check to Wells Fargo sometime in 2008 in the amount of {$1000.00} and I now owe XXXX. XXXX {$2700.00} because they were retained by Wells Fargo. She also stated that I performed malicious intent to fraud a banking institution. I use to have a bank account with Wells Fargo, but they never paid a bad check and that account was closed in 2008. I got a similar call about 4 years ago and contacted Wells Fargo, who stated that they have no record of me owing any debt to them. I have never received any correspondence or calls from Wells Fargo regarding me owing them any money, which is what I told XXXX XXXX. I see that this company has in the past used a different number and other complaints with almost the same scenario as mine. I have no record on my credit report showing an outstanding debt with Wells Fargo. The letter and XXXX XXXX stated that further legal action will be taken if I did n't not settle this debt. I told them I would seek legal representation if I needed. Why should I have to pay money for an attorney on something I know I do n't owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: I provided Tranunion a affidavit of fraud and a XXXX XXXX Police report. I received a letter stating they would not do an identity block because I did not provide a valid law enforcement report. So, it could not be accepted. This is a valid report issued by XXXX XXXX police department and all the information can be verified. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently sent a dispute in for some items to Experian and the information came back verified. I requested the method of verification that they used in order to verify the information and instead of giving me that information, they initiated another reinvestigation. I sent yet another letter requesting the method of verification and made sure I noted that I did not want a reinvestigation or a general outline of how the items were verified, I wanted specific information. While waiting for the method of verification response, I sent XXXX the collection agencies a request for validation. Experian still initiated an additional reinvestigation instead of following through with my request for the method of verification. They sent back the results stating that the items that I disputed were updated, remaining, or processed. I warned them during my last request for a method of verification that I would be filing a complaint if this request is not fulfilled and they have not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been attempting to get CitiMortgage to refinance an ARM mortgage which currently has a low interest rate. I have contacted CitiMortgage throughout the past few years while the interest rates were low to get out of this loan product. Due to the fact that my loan is not backed by XXXX XXXX and XXXX, they contend that they do not have any options. I have sent several letters requesting a lender option modifiction since the loan guidelines do n't meet their refinancing guidelines as I have been been told in the past. The goal is to get this mortgage in a 30 year fixed mortgage. I would like to the keep the property and have n't been late on the mortgage. If the interest rates rise higher, it may create a problem, depending on how high they go. I would rather be in a fixed 30 year mortgage which would be beneficial to both me and the lender for the long run. With your help, I am seeking relief in the form of consideration of a lender option modification which I am aware can be done since there are n't any guidelines to prevent CitiMortgage from doing so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is XXXX XXXX XXXX, which calls me numerous times per day. 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection company is trying to charge me a collection fee for a debt they bought and collected on. I paid my debt of {$470.00} the day I was notified. They are trying to add on {$140.00} as a collection fee they are charging. My right I believe is they can not collect more than my debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent Experian 3 seperate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccuratly, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Experian claims to have " verified with creditor '' and I believe this to be false. How can Experian verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Experian to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you** Please see the last page on our credit report we have attached, It shows the address listed for XXXX XXXX and also see the returned letter sent to that address** 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a list of SPS approved appraisers in order to oreder a valuation and XXXX XXXX advised me that is proprietary infomration although they sent me letters stating I have to order from a SPS approved appraiser. IN addition he stated he has to start the process although the letter states I have to order. Also, he stated I can not use a BPO although documentation states an appraisal or BPO can be used. He also stated he can not give me the price of either valuations and that I would just have to order and they will place the billed amount on my account. I have never order an appraisal with out knowing the costs up front. He stated he would look into it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a bed under a promotion from Macy 's using my Macy 's card in XXXX of 2014. The promotion was 1 year no interest if paid before year was up. I set up to receive bills through XXXX Bill Pay online and pay {$75.00} a month in response to bill received. {$75.00} was the amount of the bed divided by XXXX to be sure it was paid by the end of the promotion. That was not the minimum payment, they do not give you the correct minimum payment to meet the promotion, they give you what they consider a minimum payment. Every month for 11 months I received a bill into XXXX and a payment of {$75.00} was initiated, except for XXXX 's bill. It was not received, therefore the payment was not automatically initiated and paid as it had been for the past 11 months. So when XXXX 's bill arrives into XXXX, it had a late fee and all of the accrued interest charged. 

I called Macy 's and was given absolutely no help. They said they would do a XXXX time courtesy waive of the late payment since I had a perfect payment history. I was then told that in order to initiate an inquiry they would need me to pay all of the past due, which included the interest. I paid the past due only and told them to get the account to someone that could handle it. I should not have to pay then wait for them to refund my money and I refused to do so. I have yet to hear from Macy 's and I have called as well as sent secure messages through their website. When they asked why I had not made the payment I explained that the bill had been delivered to Quicken for all but the last month of the promotion, ironically I might add, and that was why the payment was not made, it was automatic. 

I have asked everyone I have talked to why I would pay more than the minimum payment every month to meet the promotion but not pay the very last month? No one has a good response, because it makes no sense. 

In my opinion this is a fraudulent way of collecting money from consumers by using their reliance on payment systems. Macy 's knows that I use XXXX and they also are in control of sending the bill monthly. There is no way around this being anything but fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was offered a {$100.00} statement credit on a plane ticket from XXXX XXXX if I applied for, obtained, and used their frequent flyer card from Citi Cards. I applied for the card and was approved, but was not provided with the opportunity to pay for the ticket with the card. I called Citi Cards for help, but was informed that I could not use the card to purchase the ticket until I received the card in the mail. This was not the offer that was displayed on the XXXX XXXX payment page -- it clearly showed a {$100.00} statement credit on the fare that I was purchasing. Waiting for the arrival of the card in the mail would result in me losing the selected fare. Citi customer service blamed it on the encryption ability of my browser, but I learned after the call that the browser I use -- XXXX -- matches the encryption security of the server to which it connects, meaning that the security issue is on Citi 's side, not mine. The Citi representative reported that she gets XXXX calls like this a day, suggesting that the problem again is on Citi 's side, not the consumers. 
In short, Citi and XXXX made an offer, which I accepted by applying for the credit card and taking a " hard pull '' on my credit report. Citi and XXXX then refused to honor their offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XX/XX/XXXX. I am now medically retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only ONE credit reorting agency. I was also informed that the loan has since been sold to XXXX ( whom this complaint is being filed against ) but is being serviced by Allied Interstate. I contacted Allied Interstate to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a reverse mortgage with Reverse Mortgage Solutions, in the amount of XXXX, XX/XX/XXXX. I was delinquent in my taxes and insurance, so they agreed to redo my agreement and let me pay them back monthly, which I did, faithfully, every month. I have been putting money in a savings account to pay this year 's taxes, and took out an insurance policy to cover the mortgage this past month. I had a verbal agreement with the woman handling my account to pay back the loans for the taxes and insurance. On XX/XX/XXXX, I got a letter in the mail from Reverse Mortgage Solutions, telling me that I needed to pay off the full amount of the loan, or go into foreclosure. I called the lady today, however she told me that her boss decided to not renew the loan, and instead asked for the full payment of the loan, or go into foreclosure. I am a XXXX, retired person with no job and no way to pay off this mortgage, which was not my original agreement in the first place. Every one of my conversations with my contact were recorded. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Lost my job in which I was able to afford to pay back my student loans and now I am currently under employed part-time. I completed a deferment application and was denied the possibility to re-pay my student loans at a later date in time. I need your help in it getting the bank to work with me until I can find a employment that will enable me to make the proper payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: We got behind on our mortgage payment because of loss of income and were forced to relocate. We could n't find a buyer and we have XXXX different renters that did n't pay. We have been contacting our Bank regarding doing a loan modification so we can get caught up on our mortgage. The will not return our calls and now our house is in the XXXX step of foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company calls XXXX times a day. Either they dont leave a voicemail or when I answer, they hang up. When I try to call them at XXXX or at XXXX I get put on terminal hold by the auto attendant. The company in question is : Focus Receivables ManagementXXXX XXXX XXXX, XXXX GA XXXXI do not know of ANY account that I have with them and cant find out as they never leave a message or they hang up when I answer. This goes on all day and all evening XXXX times 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was required to be late by FHA. Supporting documents attached. 

Divorce proceedings were started XX/XX/2014 and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian and XXXX report my XXXX XXXX XXXX credit card two times. 1-as " lost or stolen ''. 2. as paid on time satisfactorily. The " lost or stolen '' is also reported as Derogatory Information by Experian. 
On XXXX/XXXX/15 I phoned XXXX XXXX XXXX to voluntarily cancel my cc because I had n't used it for a long time. I got caught in a telephone loop and finally yelled " LOST CARD '' hoping to speak with a live rep. The loop continued to say that I would be sent a replacement card. I hung up and immediately phoned again. After another 15 minutes of telephone loop I somehow finally got a real live rep. Told her that I had just previously reported my card as " lost '' hoping to get a rep. That the card was in my hands and NOT lost. Told her not to send a replacement card and that I was voluntarily canceling the card. She corrected their records to reflect a voluntary cancellation and not a lost/stolen card. The above XXXX credit report agencies are still double reporting this card as mentioned above. They should correct their records and report the card only one time ( not two times ) as closed per customer request and delete any and all references to lost/stolen. Likewise, if appropriate, recalculate my credit score if appropriate. 
Thank you so much for your assistance now and in the past. 
XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan originated with Flagstar bank in XX/XX/XXXX. As of XX/XX/XXXX my wife and I are in the final steps of refi of a conventional fixed mortgage with payout. We contacted Flagstar for a payoff quote Monday XXXX XXXX - which was never received. As of XXXX XXXX, they told us they have sold and transferred the loan to XXXX. We were never informed of the sale. XXXX has told us that it might take up to two weeks for the loan to populate in their system. Our lock-in expires on XXXX XXXX. No one at Flagstar is willing to help us with loan transfer process, or help to get us a payoff quote. No one at XXXX seems to have access to the information. WE NEED HELP! QUICKLY! 

Company response: Company chooses not to provide a public response
Consumer complaint: I DO N'T KNOW ABOUT THIS DEBT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian company has not deleted wrong information on my credit report for the XXXX time. 

Company response: Company chooses not to provide a public response