AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have an existing loan with Ditech a XXXX XXXX, XX/XX/XXXX, I was in a financial bind and had to do a home modification, this process took almost 4 months to complete. Finally it was done and I was guarenteed to be paying a certain amount every month for my PITI. I spoke to a supervisor, XXXX possibly. All the calls were said to be recorded, This was a total of XXXX. I have tried to find out how to fix the issue I am having, my monthly payment went up XXXX $ from the amount I was told. I contacted them several times, on a recorded line as the say, I was told the insurance was not being escrowed correctly and this is why it went up. My Escrow account I do not oversee, this is their responsibiliy. Furthermore, I was paying my Insurance to XXXX up until the modification. A few months after the modification, I was contacted by my insurance company and they told me no one had paid my monthly premiums for the past 2 months. I immediately paid a XXXX $ reinstatement fee to have it on the property. Ditech told me they did not pay the insurance until XXXX XXXX a total of XXXX $ which is for XX/XX/XXXX. XXXX confirmed this, I have a copy of my XXXX from them and I am showing Hazard insurance of XXXX . I am showing Property Taxes of XXXX, which is for half the year, the beginning of the year was also paid but It is not on the statement. I was paying property taxes I am sure of it. They told me the insurance was not paid so why does it show paid through my PITI, I also would like to know where the money went for the taxes that were paid and also the insurance, Is this effecting my monthly payment this year? I am at a loss and can not afford to have an increase in a monthly payment because of their poor ability to manage my escrow account and why would I add 10 years to my loan and agree to pay more than I was before the modification. I was also told I did not have insurance on my home until they paid it in XX/XX/XXXX. What is going on, I need to find a way to resolve this issue, my credit is not strong enough to refinance. There has to be someone who can help, I am being exploited and taking advantage of. I am also paying XXXX PMI, which is a factor of about XXXX, now this is very high and is only happpening becauseI can not get out of the position I am in. 

There area lot of questions I can not fingure out and when I call them I get passed around like a cheese dish at a party, no one seems to know what they are talking about, I contacted XXXX XXXX also and they have customer service reps that could not figure out what was going on. Everyone seems to have a diiffent answer. I have XXXX children, XXXX which live at home. when I asked them about the insurance and if something was to happen during the times I did not have it who would be liable and they told me I would. Why would I not want insurance to protect the biggest investment I have. 
PLEASE HELP Thank you XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: 3 issues. 1 ) they are unresponsive or extremely delayed in any attempt to get the PMI dropped. 2 ) they collect the escrow fees for insurance but did n't pay it and now I have a cancellation notice. 3 ) horrible customer service ... ..It is not right that a consumer is forced to work with whatever mortgage company buys our loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Senex information shared personal private HIPPA medical information about my medical condtion with Bureau of Consumer Finanacial protection. 
they provided a document with all medical proecdures completed on me. this is against the law as per HIPPA 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2015 I called Ally Bank and was asking about a refinance due to a job loss. 
I ended up doing a skip a month. However the agent put in the wrong que so I got charged for the refinance charge. I did not realize the mistake until I received a call about a pass due amount, which I did not owe. I have spoken to the bank several times, they have acknowledged they made a mistake, yet they will not remove the black mark. They tell they are but it does not happen. Last month I was turned down for XXXX new jobs because my credit rating dropped XXXX points. In checking, I see now that Ally reported me over 60 days late for a car payment, which is not true, its their mistake that is showing the error. I have called there to get this corrected but they just are not doing anything. I do n't know what to do and I need your help. Ally knows the mistake is on their end, but the collections do not take the time to read all of the history. This is causing me much distress and I am loosing jobs, that I badly need because of their neglect. Can I sue them? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed a dispute with Experian regarding public records that were a result of fraud. I am a victim of Identity Theft where I have been defamed and taken advantage of illegally. Experian is legally obligated to remove negative information from my credit report as per the Fair Credit Reporting Act once a consumer supplies them with proof of identity theft. I have supplied Experian with an official notarized police report, FTC Identity Theft Affidavit and other documentation as proof to remove fraudulent inaccurate public records from my credit reports. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We are in the process of working with Citi on a modification. Back in XXXX we had a sale date. The third pArty that is helping us with this process had asked that the sale date be postponed. The processor with Citi stated they would not postpone the sale date because we had not submitted all the requested documents and we were not responding to the phone calls. They did have all the documents and there is a cease and dismiss order in place so they were to communicate through the third party. Which the processor stated as well there was no cease and dismiss. This was escalated within Citi they did postpone the sale date and did admit error. The other issue is on or around XXXX XXXX 2016 the denied us a modification. To this date we have not received the denial in writing stating our options. They have now set another sale dAte. By law we are to be given our options and make a decision within I believe 14 days before a forclosure process can begin 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was recently contacted by a bankruptcy attorney who informed me I had a default judgment against me in XXXX XXXX, WA. I was surprised as I had not received notice in the form of a summons or complaint, nor served in any manner. I found the judgment at the XXXX XXXX site online and paid {$25.00} to download the case file through the XXXX XXXX site. I was shocked to discover a process server submitted an affidavit of service that was incorrect and included a physical description of me that was not at all accurate - and, this affidavit was submitted by a collections firm, Marchol & Johannes, XXXX, WA office, to the court as proof of service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 Bank of America sent me a letter which read " Congratulations! You 're approved for a Home Equity Line of Credit Modification '' I accepted this offer nine months ago, a contract I have honored and complied with in every way, yet Bank of America has and continues to avoid compliance. The issues are as follows : Failed closed my modification Continuously send me numerous notifications that my " loan modification appeal has been denied '' Inaccuracaly reported my credit history Called me 50 times stating my loan is in default or me calling BofA to get assistance Provided me with assurances that " this is just a paperwork problem '' for 9 months Verbally assured me that my loan is fine and I should continue to pay the {$710.00} ( which I do every month ) and instructed me to ignore the letters and calls that state I am in default I have has to endure countless changes to my " single point of contact '', and there is no end in sight. This situation is inhumane. Bank of America 's CEO XXXX XXXX was notified months ago and still no action toward a resolution. 

I have asked for months for help. Now I have demand they perform under the agreement. Provide me with an accounting of how the thousands of dollars I have paid from the time I entered into the modification have been applied. I do n't even know what interest rate they are charging. My statement says 3.75 % and my modification says 1 %. I will bet they do n't even know how to prepare an accurate XXXX for tax purposes. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/2015 I opened a complaint with Suntrust regarding fraud on my account totaling {$470.00}. The purchases were made over XX/XX/XXXX-XX/XX/XXXX. Not only were the charges made with vendors completely outside my purchase history, I provided my alibi of corporate payroll proving I was clocked into my work. Also, I tracked down multiple receipts from the actual vendors, XXXX being one in particular, which has every pattern of fraud one could think of. XXXX Salads, XXXX cans of motor oil, etc ... In addition the receipt shows a card not in my name being declined before mine was accepted for the purchase. Even with all the proof I gave to Suntrust and signing an affidavit affirming the transactions were not authorized by me or by any person acting with my authorization, knowledge, or content, Suntrust has denied my claim 4 times over the last 9 months. First was because the purchases " were in the region in which I was living '' and more recently because they are saying there is there is no way to prove there was a duplicate card or that someone did n't have my actual card with my approval. In addition, the revoking of my provisional fraud credit caused my checking account to overdraft twice. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've been receiving calls daily from merchants credit guide for some medical bills. Last month we paid off a few of the debts, and I had asked if that was all of them, they had said yes. Today I received a call from them that I missed. I called them back to see what it was about. The lady on the phone was immediately very rude and not very nice. She had extrmeme attitude and began yelling on the phone at me. I asked for her name and all she would give me was a first name. All I wanted was information about my debt and all i got was anger and frustration. I spoke to her supervisor, who acknowledged her behavior and apologized, but I wanted to make a formal complaint against them, because it probably happens daily. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX/XXXX/XXXX I mailed my mortage payment to Ditech in the amount of {$2300.00}. I mailed ( 5 ) money orders to the following address Ditech Customer Service XXXX, SD XXXX. According to the US Post office their money was received on XXXX/XXXX/XXXX. All of the XXXX XXXX money orders were cashed in full on XXXX/XXXX/XXXX. However Ditech only applied a total of {$500.00} to my mortgage statement ( 1 ) money order. The total of {$1800.00} was cashed by Ditech but never applied to my mortgage statement. This constitute FRAUD that Ditech is a fraudulent and unethical mortgage servicer. The money order that are missing XXXX XXXX # XXXX {$500.00}, # XXXX {$500.00} # XXXX {$500.00} # XXXX {$500.00} # XXXX {$320.00} I am trying to be patient however I am fearful Ditech will put me into foreclosure because of their billing error. They cashed all ( 5 ) XXXX XXXX money orders on XXXX. I need them to apply the full amount to my statement, A total of {$1800.00} has not been allied only {$500.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Regarding Reference # XXXX, Bank of America is stating " Unable to Verify Information ''. All information/documents came from either Merrill Lynch which is owned by them or the Federal Government. I provided them with my tax statements from Merrill Lynch, Social Security statement from the U.S. Treasury and certified tax returns prepared by my CPA and were approved by the IRS. 
I believe that the real reason for my decline is racism. I have a fiance ' that lives in XXXX XXXX. This is a real fiance visa matter. I am represented by the Law Offices of XXXX XXXX located at XXXX XXXX XXXX XXXX Nevada XXXX, ( XXXX ) XXXX a prominent immigrations attornorney and have case number XXXX at the U.S. Embassy in XXXX XXXX. In XXXX when you get a job handling money they hold on to your passport, so she could not work while going thru the finance ' visa process so I had to help her out financially. Bank of America noticed my XXXX XXXX money transfers to her and kept questioning me about it. She is XXXX and from XXXX. On XXXX at XXXX XXXX I got a call from the loan department stating to me " so this is a sham marriage ''. Again, the reason for the decline is racism and not the ability to verify my application information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: US Bank is reporting false information on my credit files XXXX and XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a loan with Wells Fargo Bank that I had been paying on for years. I had XXXX loans. ( 1 ) Mortgage payment, ( 2 ) XXXX charge card, ( 3 ) installment loan. I had paid faithfully until I was XXXX and was in an accident. I am also in a XXXX and unable to get around well alone. I am also a Senior Citizen. 
I explained to Wells Fargo Collections Dept. before they contacted me and let them know I was having a hard time paying them in XXXX due to unexpected hospital bills and Doctor bills. I asked them if they would waive the interest or late fees until I could catch up and I would make payments so I would not be too far behind. They said no. I was behind in XXXX and XXXX. I finally borrowed the money to get them off of my back so I would not be continuously harassed. 
On XX/XX/2016, I took & XXXX to Wells Fargo drive in window to pay on my loan, I paid {$200.00} on my charge card account and I had already paid my Mortgage on the XXXX when I got my Social Security Check. I was completely paid up, I also put {$300.00} in my checking account to cover XXXX other bills, XXXX for {$100.00} and XXXX for {$150.00}. On XX/XX/2016 I checked my balance and I only had {$28.00} left but I knew the XXXX checks that I had paid on the other XXXX accounts had not been paid. I checked and realized Wells Fargo XXXX Department had pulled out another payment, plus late charges plus interests. After I had paid them XXXX payments they took another XXXX. this prevented my other checks from clearing. I contacted the bank to express my dissatisfaction with what had happened to me and I was told there was nothing anyone could do because The Collections Department was a separate department. They told me I could file a claim which I did but the Collections Department said they could put the money back when they got ready and they were going to take 10 business days before they did that. It is now XX/XX/2016, My account is at - {$150.00} they added a bounce check fee on top of the money they took out of my account which they should never had gotten. 
My main concern is I only get {$XXXX} from Social Security and my house note is {$760.00} per month. which is paid to Wells Fargo every month. The collections department knows this and has access to my account. They know what a hardship I am having and for them to know how much I am struggling with the illnesses that I have is abuse and heartless. I am afraid that if they have not put my money back in the bank by the XXXX I could not pay my house note and could get behind which would possibly lead to foreclosure. This is not fair to me since I have tried to get some help from Wells Fargo and there does not seem to be any help available. I have outstanding debts from collection departments from the hospital, doctor 's offices, collections departments and every where else. I need to be advised or put in touch with a lawyer that can help me without charging a fee which I can not afford to pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked this collection company not to call my cell phone on an auto-dialer and they continue several times a day. I 've asked for a validation notice to be sent to my address. On XXXX/XXXX/16, I requested the representative remove my cell phone from the dialer ( 2nd request ) and send me a validation letter. She confirmed my address and told me the system would generate a letter. I agreed to mail in my payments ( due to the exorbitant credit card fee they quoted for phone payments ). 

Today I received the 30+ call from the dialer on my cell phone with a rude woman who first basically called me a liar because she refused to check the notes then refused to send me a validation notice. She told me my option was to set up secured payment. 

XXXX XXXX XXXX can not confirm this company represents them or is trying to collect on my debt. 

At this point I request a cease and desist from this collection company and will only deal with XXXX XXXX directly. I want confirmation this is documented on my account and there will be no more calls. 

This company is why collection agencies get a bad name. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a XXXX account with Wells Fargo MORTGAGE. I have been trying to get a loan modification without success. I have been going through this for years now. Just when I thought I was getting ahead, and processing a modification, Wells Fargo sold my loan to XXXX XXXX LOANS. I am frustrated and still trying to get a loan modification. I do n't know if it is Wells Fargo or XXXX OR WELLS FARGO. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had an XXXX visit last year as to which we were sent a bill for that was supposed to go to my insurance. After calling, it was sent to insurance and paid off. But then I got a letter from CMRE Financial Services claiming they were collecting my debt. After calling the hospital again, they said they removed the collection after the error was cleared. But the collection is still on my credit and ruining my credit and I 'm only XXXX. Any disputes I 've sent through XXXX have been denied. I owe no money, nor did I ever, but they are continuing to ask for it. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has furnished Experian, XXXX, and XXXX, with inaccurate information to be reported on my credit file. I was never notified of such accused debt and only came to realize this information was on my file through my own investigation. This debt is unsubstantiated, and could not be validated by the alleged 'original creditor ', who stated that it could n't provide copies of original signed contract, and was unable to review original account level documents. 
Upon these finding I contacted XXXX XXXX in a certified letter via United States Postal Service. Under Massachusetts General Laws M.G.L. c. 93, s. 58 the reporting agency ( XXXX XXXX XXXX ) had 30 days to respond in writing to my inquiry and dispute. They have been negligent in regards to responding. It seems they have no intention of proving the debt when in fact they have the burden to prove the debt is in fact owed and accurate. To date, XXXX has a poor track record in regards to it collections and business practices, which had resulted in numerous fines from the U.S. Government and individual states as well, including Massachusetts. The illegal actions of XXXX XXXX XXXX have cause XXXX consumer 's credit files to be tainted with negative information, including myself. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ). I confirmed the exact amount of points on the phone with Citibank. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$760.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX. My husband and I are expecting to incurred additional expenditures in XX/XX/XXXX so we paid our mortgage bill in two equal installment one was on XXXX XXXX, 2015 in the amount of {$1400.00} and another one was on XXXX XXXX, 2015. I personally called the company on various occasions which is prior to XXXX XXXX, 2015 ( to avoid late fees ) to inform them that those two payments should be applied to our XX/XX/XXXX loan payments. They did not process the payments as I instructed them to do so now XXXX wanted me to pay them {$1400.00} more plus late fees. I do not have that much funds to pay them since I already paid them the full month. I am under XXXX right now and we are trying to pay all our bills on time. Their loan care specialist by the name of XXXX is even rude and so is their supervisor by the name of XXXX XXXX who supposed to help customers not put them in trouble. I asked for their superior who could make decisions and they refused to give their names to me. I could have sent them e-mails but I have no where to go but to file it to your website. 

Company response: Company believes the complaint is the result of a misunderstanding