AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My husband and I purchased a home in XX/XX/XXXX that accommodated his XXXX as a result of two unsuccessful XXXX. Since I took a temporary family leave from my job, I was not on the loan with Wells Fargo, due to no income ; only my husband 's pension and social security were used to qualify. The downpayment of {$110000.00} did come from my XXXX. For the next two and half years, XXXX and in XXXX XXXX, my husband was XXXX and died in XXXX XXXX. For the past two months, I have been trying to communicate with Wells Fargo, both in person at a branch and by the customer service number. On several occasions, I have been given wrong information, told to send documentation ( attached to this complaint ) of his death certificate, copy of his will, completion of probate, etc. I explained that I am now 100 % owner due to joint tenants with right of survivorship, although it was also referenced in the will. Wells Fargo still refuses to allow me to discuss the loan, only the executor of the will, although I have been the one making the payments. They have made errors in applying early payments, showing as principal reduction. ( I purposely made payments to get ahead and cover the next three months XXXX. I have ask that the loan be placed in my name and under my social security number, but each time I am told I must qualify for the loan ( I just returned to work ) and pay an assumption fee of 1 %. Since I previously was in mortgage banking for 29 years, I told them they were incorrect, due to my circumstance. I was then told by the clerk that due to the Dodd-Frank Act, everyone must prove the ability to pay. I told her I just went back to work XXXX, did not qualify ; she told me to call back in a couple of years or better yet, just pay them off. Frustrated, I checked your website and found that the CFPB does not require the lender to qualify a person when it pertains to inheritance, divorce, etc. ( as I already knew XXXX. I tried called two more times, and got the same response from other individuals, although the last woman said they could speak to me only if the executor gave them permission. I explained that the probate was already complete and the paperwork had been provided to them. Clearly, I am getting nowhere but continue to provide more and more information. 
All I want to do is have the loan showing me as being responsible ( it is NOT owned by the estate ), be reported under my social security number ( not my husband 's number that now shows as being retired due to death ) and be able to speak with them to correct errors. 
Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: I called in to IQ Data International to report a credit inquiry that I noticed was on my credit report, I just wanted to know why they had inquired on XXXX XXXX, 2015 when I spoke with the XXXXXXXXt lady she stated that they pull every XXXX months to see if the bankruptcy is actually on there even thou they had received my bankruptcy paperwork and that unless I paid the full balance they would keep inquiring on my credit report although they were showing a {$0.00} balance which is also reflected on my credit report. Not felling like this was fair I wanted to speak with a manger to see why this was. They transferred me to a XXXX named XXXX I explained to him that I was not calling to argue I wanted to know why they were still in my credit report after it had been over 1 year since I filed he said that they never received it however my question to him was why if your pulling my credit and it is showing bankruptcy are you still in my credit report he stated because they can pull every XXXX months this still did n't make sense so I asked repeatedly if you know there 's a bankruptcy why are you looking into my credit report at this point I was getting upset so I asked again and he said mam you lost those privileges when you raised your voice so now he is not giving me any information and is mocking me he then was going to give me the address to send the paperwork to but I wanted to know why I needed to send paperwork if they had already noted the bankruptcy. He hung up on me several times and was extremely rude I asked each time to speak with somebody else and they kept transferring me over to XXXX I am assuming its because he noted on my account that I needed to talk to him only. I apologized to him and was trying to be the bigger person and said please can you let me know the address and what you see on your end when you pull credit he refused to tell me and said you seem to know more then me you answer your own question. He was pushing me to the breaking point on purpose. Overall he was very unprofessional, belittling and does not deserve to be working with the public. His profanity and voice tone were unacceptable and hurtful. I have never been through anything like this before. IQ Datas ' staff should be penalized for treating people the way that they do, they are debt collectors they are there to help people not make this feel like XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a personal loan with ARMED FORCES LOANS OF NEVADA and discovered a lot of unethical business practices and fees. The company assesses an ADMINISTRATION AND ORIGINATION FEE is 75 % of the loan. I was funded XXXX which included an administration fee of {$1000.00}. There were some other fees assessed, but I believe this company is taking advantage of MILITARY SOLDIERS. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Barclaycardusa filed a fraudulent court document on XX/XX/XXXX and a voluntary dismissal on XX/XX/XXXX/ I believe the fraudulent documents were filed so Barclaycardusa could avoid responding to my complaints to the Consumer Financial Protection Bureau during this period. I was offered a {$2900.00} settlement in XXXX XXXXby XXXX XXXX but Barclaycard refused to honor it and then demanded over {$7900.00} to be paid within 5 days of this fraudulently filed document on XX/XX/XXXX. Is this some kind of unfair and deceptive trade practice or yet unfair debt collection practice? 
I was never served with this court action as Barclay sent it to an address where I do not reside nor the address on my Barclay card account. Also, Barclaycard stated I was delinquent for payments due in XXXX, XXXX and XX/XX/XXXX -- dates which have not yet arrived. Moreover, I am reporting unfair debt collection practices. 

I am reporting unfair debt collection practices as I was in email negotiations with a papralegal named XXXX XXXX and then this occurred during these negotiations. 

To defame my character is this fashion is actionable. I was making payments. I even had an agreement to make certain payments less than the minimum but the court document sought to shame me for less than full payments. 

I beleive Barclaycardusa lied to the Consumer Financial Protection Bureau to keep from responding to my complaints and their inquiries due to the excuse that this matter was in litigation when it was already dismissed. 

It is a shameful practice that Barclaycardusa used against me. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian credit needed to take off XXXX collection items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/15. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report dated XXXX/XXXX/15. And again on XX/XX/2015.Experian also brought me credit score down XXXX points after paying off a medical bill in full. I ran my XXXX XXXX report from the XXXX website XXXX times which cost me {$16.00} to {$20.00} each time the report was printed. The reports included XXXX, Experian and XXXX credit reports and scores for all credit reporting agencies. The only company that is reporting correctly is XXXX. Experian and XXXX are not being regulated by anyone at all. Help Me XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX XXXX of XXXX. They left a voicemail on my phone as well as my ex wife. 

" I have official documents being delivered to XXXX XXXX XXXX XXXX ... Sine your social security number has been attached to the documents under federal law we are unable to deliver at that address verification. You must contact the original firm at XXXX Ref XXXX '' I have not lived at that address since 2006. The blocked the number they called from and then called my ex wife and left the same message. They do not identify themselves as a debt collector. When I called they refused to give me any information about the debt or their address. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My mortgage loan is with Bank of America, who is my loan servicer. I am currently in the middle of a loan modification, due to under employment. I was offered a modification trial period offer in XXXX of 2015 thru XXXX 2015, of which I made my trail payments on time and without delay. I was told I would have a permanent modification shorthly there after, but if not to continue to make my payments. I have made payments through XXXX 2015, and then they tell me I do not qualify for the modification because of HAMP rules. I am not sure why they are telling me at the end of the trial period, and not before. Reason being, was because they said they could n't verify I was residing in the home being modified. I provided the bank proof of residency through my utility bill with XXXX, XXXX XXXX ( XXXX XXXX XXXX ). They then requested more financial data and requested I do another trial period to commence on XXXX 2015 through XXXX 2015, but increasing my payment amount by {$800.00} additional per month. They also inform me that my loan will be taken over by a new Servicer, not Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: ITEMS THAT SHOULD BE REMOVE FROM MY CREDIT REPORT ARE NOT COMING OFF MY FILE, THERE ARE INCORRECT INFORMATION IN MY CREDIT FILE. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted disputes through the normal process XXXX times and theinformation has not been updated in my credit report. I have includedproof of the payment information in this claim, which was also sent to the credcredit bureaus. Please have them remove or update the information asrequired by law. 

Company response: Company chooses not to provide a public response
Consumer complaint: hi my name is XXXX ( XXXX ) XXXX i had numerous problems with green tree morgage company even though i never was late even XXXX time with a payment. thank fully i was able to re fiannce and get away from that horrible company. still have XXXX last problem with them. they still have not reported my perfect payment history to the credit bureaus. which i believe they are supposed to do.. have not had them as a morgage compay since XXXX or XXXX of XXXX thank you for all and any help in this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After speaking with the company, they agreed to take it off my bill. I then closed the acccount XXXX years ago myself. They did not close it. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of this year I tried to close a BofA checking account I had while in Texas. Before I could transfer all of some auto payments to new bank the BofA checking account went negative. I tried to transfer money from new bank to old to cover shortfall and close the account. The new bank had not released funds yet and the transfer XXXX {$100.00} XXXX was reversed. I have been trying to transfer money into the account to close it. But when logging online they say the account is locked. ( see attachment ). I have talked, in chat and phone, endlessly with support people who say that it is not locked. ( see attached. ) I have been going over this with this bank for XXXX months. 

Company response: Company chooses not to provide a public response
Consumer complaint: It 's the worse experience I 've ever had with a lender. I 've done at least XXXX real estate transactions and have never been treated so shabbily. They took forever to assign my loan, would not answer emails after I submitted the application and they took my {$500.00} to do an appraisal. When I tried to lodge a complaint with a manager " XXXX '' would n't give his last name and basically told me to suck it up. I completed my paperwork within XXXX days because I wanted the process to happen on time and by their deadline. It did n't matter. I guess I should 've paid more attention when my loan processor kept saying even if it does n't close on time you wo n't be liable for fees. I believe they knew they were overwhelmed with business but were deceptive in failing to inform me that the process would take longer than the XXXX days stipulated in the loan. I would never choose this company again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Fraudulent Activities in my credit report and some are reports XXXX in my personal accounts. Please remove all these negatives accounts. My Identity has been lost. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing in relation to Experian XXXX XXXX. It 's an extension of their credit monitoring ( credit tracker ) business that connects consumers with a credit adviser. There are XXXX packages offered to consumers. The first is a free XXXX minute consultation. In the fine print of the Service Contract, however, it says the consultation is actually {$19.00}. I 've attached evidence of both, though it 's easily findable on their website as well. I think this is false and misleading advertising. I tried to register the complaint with the FTC, which deals w/Section XXXX deceptive marketing claims. But the FTC routed me to CFPB. I 'd like this to be cleared up for myself and other consumers. Those that signed up because it was advertised as FREE should not be charged. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: So I purchased a car from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, FL XXXX, I got fianced by West Lake Financial, I paid my down payment to the dealer which XXXX, first payment was due until XXXX, I was late due to the fact my mom had got sick and I had to travel home for her. I told West Lake that they decided to return the deal to dealership, well it got really heated between me and the dealer but I did make a payment to West Lake to keep the deal and they gladly accepted. I even had to provide my mom medical records just to show them my mom was really XXXX and has been XXXX since XX/XX/XXXX. After that I paid the car up for XXXX months. Well the XXXX month came and all I had to do was pay XXXX dollar difference I told them that I was in New Mexico on a XXXX with the XXXX XXXX And I would take care of the payment when I came back due to the fact I do not travel with my personal banking information on me cause I had my idenitiy stolen and also I had no cell phone signal. I made an arrengement to pay everything when I came back and they said ok that will be fine, while I was gone the following morning the car was gone my wife told me. I called trying to talk to them to see what I could do and no one would give me answers West Lake told me to call the dealer they were very rude to me and my wife. I decided to let my lawyer take care of it and they would not respond to him either. Recently I saw they sold the car. I did not want to talk to them cause of the pass issues, I feel like I am getting scammed they had no problem taking my payments but still returned the deal they could have had they car back if it was going to be like this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: Rubin & Rothman have engaged in numerous unethical tactics and behavior that violates all State And Federal Collection practices. 

I recently had an identify theft breach in XXXX and was sent a FREE copy of my credit bureaus. I see that R & R have been running my credit on a monthly basis without my permission and in violation of my rights. 

They appear to have obtained a Judgment without ever serving me with any legal papers and without ever properly putting me on notice of the underlying lawsuit. They obtained a fraudulent default judgment on a debt I am certain I do not owe and now they are looking to collect it knowing that my time to open the default has ended. 

Now that I have discovered the issue I have learned that They have used tactics which violate my privacy by contacting friends and family members on their cell and house phones even after repeatedly being told that the number they were calling does not belong to me. Just last week they called XXXX XXXX ( name to be provided ) on a cell phone that is not mine and and inquired about my employment and said they were looking to collect a debt. She informed them that this was not my number. 

Other family members have alleged the same tactics. They have gathered and used improperly private information about me and about my friends and family members. Family members will attest to feeling harassed by these tactics. 

They have also disclosed to a third party that is not my employer that they have obtained a Judgment against me hurting any opportunity I have to do business with that company. They have also informed my neighbors about my debt completely causing me shame in my community. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am not the debtor. I am a 3rd party that received and inappropriate call. On XXXX/XXXX/2015 at XXXX eastern time, I received a voice mail from XXXX XXXX calling from pre litigation department on behalf of XXXX County for my ex husband. On my voicemail, XXXX left his last XXXX digits of his social, stated his license will be suspended for 180 days, and the legal process will start and fees will be tacked on to his account if he does not call. The phone number she called from is XXXX. With in minutes she called my ex husbands phone number and left the same message on his voice mail. On XXXX/XXXX/2015 at XXXX I called backed and I talked to a lady that stated she was XXXX. I indicated she is not allowed to leave this information on a voicemail or talk to a 3rd party about someone else 's debt without permission. She disagreed with me and said it was ok, and that the call was being taped. My ex husband have been divorced for over 7 years. Based on my understanding of the FDCPA her actions were in violation. I would ask that the company be contacted and cease phone calls to my phone number and discontinue disclosing personal information about people on 3rd party VM. Of note, the debt we think she is calling about was fraud that took place on his account years ago that we had taken care of with police reports and the proper paperwork. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I 've been trying to get a modification since XX/XX/XXXX through Bank of America. Excuses after excuses and I know that I 'm qualified. This last attempt to modify my mortgage their answer was " We ca n't Identify you with the mortgage ''. What does that mean, I asked and they had no answer for it. I have tried over and over again and I think they just want to take my home and I 'm going to fight for my home of XXXX years. I 'm recovering from a house fire in XX/XX/XXXX and was out of my home for XXXX months only to come back and Banks of America says the want me out. Loan # XXXX XXXX XXXX XXXX see do n't this verify me with the property at XXXX , Kansas XXXX. Please help me keep my home! Help me fight Bank of America. Thanks in Advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in a car accident in XXXX and my car was totaled. the insurance company, XXXX, issued full payoff in XXXX. XXXX XXXX XXXX XXXX reported XXXX more on time payments and then late payments and charge off / collections for more than XXXX years after. i disputed the account in transunion and they will not accept the letter from the insurance company that acknowledges the payoff. i can not get anyone to fix this mistake. the account was not a charge off and how can there be XXXX on time payments after the final payment date.\? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I tried to retrieve my free credit report, but could not get it because the preselected security questions did not match any of my personal information tied to my name, date of birth, and social security number. In XX/XX/XXXX my mailbox was broken into and my my mail stolen, but the local police caught the suspect and I began the task of filing a report to pursue criminal charges for identity theft. That same year my family 's apartment I was watching was burglarized and my briefcase was stolen containing pertinent vital information on myself and my child. I have a Offense Report, but have never heard back fro the United States Postal Service or the local investigator handling my case. I was shocked to learn that my data is now linked to credit cards, home loans, car loans, and bank accounts through the questions asking specific details showing my personal data linked to these charges. When I was unable to make a correct match I could not receive my report from Experian or XXXX because the automated questions think I am the thief and I must now prove who I say I am to both these agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: where to begin with citimortgage home mortgage. first in 2012 i recieved a phone call from a citi employee that left me a voice mail an called me a XXXX. i kept that voicemaile up until this year. then we were doing what we thought was a harp refinance but citi called it hamp. we had to pay XXXX dollars to start this.plus we were never told through the whole 9 months of this hamp refi that they were reporting to the credit bureaus missed payments for 11 months which killed our credit. ive been through heck with this company for years i cant get away from them for all the credit damage they did. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed the incorrect information two times using the processrequired by Experian. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth. 

Company response: Company chooses not to provide a public response