AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My mortgage was transferred from XXXX Mortgage company to Loan Care in XXXX 2016. I was not given the new loan number from Loan care until after XXXX XXXX, therefore I paid the first payment to them via electronic check from my bank XXXX XXXX XXXX with my old mortagage number. I started getting calls from Loan care that my payment was delinquent. I called the customer service rep at Loancare who told me they will look into it and get back to me. I never heard back from them, only call was from loancare telling me I was delinquent on my payment. Finally, in XXXX I asked for a request to look into it, once again did n't receive any calls/letter about it, called two weeks later and they told me to send them a copy of my bank statement showing the payment was made. I faxed that information and did n't hear from them. Called back another two weeks later and they told me that they never got my bank statement ( I have a fax showing it was sent to the right number and faxed to them ) and that they could n't help me. I went on their website and uploaded a scanned copy of the bank statement and fax confirmation and obtained a ticket number. I called again a week later and they told me they do n't have that information available, and wo n't be able to help me and I can not speak to anyone in the CONSUMER solutions department, who may have that information. I am getting called every day from debt collection about this " late '' payment, which Loancare wo n't look into, wo n't resolve and wo n't help me figure out the issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Barclay 's ( who holds my XXXX credit card ) wo n't let me access my account and they refuse to send me statements showing what I have paid them. I sure would like to know what my balance is. I 've asked repeatedly for copies of statements. ( They seem to think that since I was Discharged from bankruptcy about five years ago, long before I had any balance with them, that they can retroactively now deny me a copy of statements showing the credits for what I have paid during the last few months. ) 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX my wife and I have Macy 's accounts and have signed up for electronic bills using our XXXX XXXX XXXX service. We have excellent credit and have never had any issues in the past. Macy 's switched their credit card service to XXXX XXXX in XXXX 2015. While my wife received all her bills since XXXX, I did not receive an electronic statement and a purchase of {$44.00} that I made in XXXX resulted in {$180.00} in late fees. 

I found out about the late charges once Macy 's contacted me in XXXX for the late charges. Macy 's customer service is saying that failure to pay is my fault even though they failed to provide me with a bill. I checked with my bank and the electronic bill service for Macys was turned on the entire time ( which is how my wife received her bills ) After contacting Macy 's, I have finally received a paper bill and the electronic bill pay service has resumed. I have paid the amount that I owed for goods purchased but I should not be responsible for late fees based on statements that were never delivered. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been issued foreclosure notices by Wells Fargo on a second mortgage. The reinstatement quotes include lender placed insurance. We have had insurance without lapses for the entire period indicated by their quotes. We have provided them with proof of this on many occasions. They have not corrected it and are continuing on this foreclosure mission. They will not accept any payments from us unless it includes the insurance premiums. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint against buy here pay here dealership XXXX Byrider, XXXX PA for unethical business practices & fraudulent business practices that is targeting consumers with poor credit ratings & difficulty financing a vehicle such as illegal rigging of car mechanics in order to cause future issues that is targeting consumers that are already suffering financial hardship that hinders ability to purchase or finance a vehicle at other car dealerships due to poor credit rating. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I pull my credit report I notice several things that did not belong to me. I reach out to the companies by mail some of the items were removed and some where not. I have submitted to XXXX over and over over again to remove the inquires and accounts that are not mines. Along with please removed the double account. XXXX say they investigate the issue they do not I know this because I disputed XXXX account that was not mines and the company removed it. Before I disputed with the original company I tried with XXXX and they sent me a letter telling me this was my account when indeed it was not. Also XXXX have my credit profile with double accounts XXXX listed a bill for for XXXX dollars 3 times - XXXX XXXX has listed a bill for 2 times for XXXX dollars. XXXX listed a bill for XXXX once all is showing this was open in 2015. XXXX has list XXXX bills for XXXX and XXXX bills for XXXX listed 2 times. Syndicated collection I disputed with them a few years back and they fail to investigate and respond to consumers to within the XXXX timeframe. I wrote them again in XXXX 2015 they could not even validate they just send a letter back to me. Also under XXXX XXXX XXXX the collection company have listed XXXX 3 times and XXXX 3 times and XXXX 2 times and I reach out to them and these debts they are not showing me in the information they mail me. Also XXXX has XXXX accounts listed in open collections. XXXX XXXX - Net Pay advance is listed as open when indeed XXXX XXXX sent me a letter back in XX/XX/XXXX or XX/XX/XXXX where they could not validate this to be mines and the letter states they would close this account - I sent the letter to XXXX twice I just sent the letter again on XX/XX/XXXX I sent the letter to Transunion and they did close the account. XXXX has XXXX open collections on my credit profile and my credit score of XXXX. Transunion has XXXX open collection with a credit score of XXXX I still show XXXX XXXX on my profile just not close. I have also request by writing to Transunion and XXXX to remove the dispute status off each account I disputed and they did not properly investigate and remove this never happen. Transunion is totaling to show XXXX and XXXX shows XXXX in debt. I also will like to file a complaint against the collection company that has double jeopardy this has ruin my life. I can fax you letters and any proof needed. I did not want to go this far in filing this. However each and every one of the Credit Bureaus list what they want to and do not investigate anything. And XXXX I seen so much on that report I never even seen before and so any inquires. I have sent a police report showing that my computer was hack a few years back and the hacker got all my store personal information and still these credit bureau companies will not help. And these collection companies are double jeopardy me they keep listing the same account can be reach at XXXX. I can not attach my proof I 'm currently at work If you have a fax number or email I would love to send you the information. 


Thank YouXXXX XXXX XXXX XXXX XXXX, Texas XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was sold to Ditech from XXXX XXXX located here in XXXX, Ohio. I have contacted Ditech to inquire how to have my mortgage re-cast, and I consistently receive emails and letters through the mail stating that my inquiry is under review. I believe this option to re-cast falls under the prepayment category of the mortgage under which it is written I am free to prepay at any time. Ditech continues to delay allowing me to re-cast, thereby preventing me from lowering my monthly payments as I desire to do. This has gone on over three months now. Please let me know how I can get better service from this lender. I wish my loan had never been sold to them. I chose a local lender in the first place to prevent this kind of problem. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I fell behind on my mortgage due to a hardship. My Mortgage was with XXXX Bank, who sent an Auction Notice, the house is being Auctioned on XXXX 2016, then I find out when I call XXXX Bank that they Sold my property to BSI Financial Services. On XXXX XXXX, 2016. I have written XXXX emails and phoned BSI Financial 4 times so far. Last call was today and they informed me that they do not have my information in there system! What! I am being foreclosed on and the bank who bought my property has no information in the system on this. The rep. I spoke to from BSI after telling me he can find no records transferred me to a Dept. who should know something about what is going on, where I had to leave my name and number. I know they wo n't call me back. Now what do I do? I do n't want to loose my home! This is total fraud. I am in limbo! Is my home still in foreclosure since another bank bought it ( XXXX Bank Sold to BSI Financial )? I read the rating from XXXX and it is an XXXX rating for BSI Financial as well as being famous for never calling you back as well as terrible reviews. I feel totally lost, scared exhausted! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to the U.S. bank location on XXXX XXXX in XXXX XXXX, California on XXXX XXXX around XXXX XXXX. I went to the teller art the window and asked to have a payroll check cashed. She asked me for identification and then said she needed a second form if identification. I gave her both a state drivers license as well as a passport I.D . card. She refused to cash the check because she said she did not recognize me and she could not find me ever having cashed a check at that location before. She said she could not verify that the check was authorized to be written to me because the payroll company was closed. She said to me various times that penning an account would make the process smoother. I kindly told her various times that I did not want to poem an account with them. The check was written to my name and I had cashed a check in that location before. It seemed she was very adamant that she wanted me to open an account even though I refused. Ultimately she did not cash the check and said I needed to open an account. The check from the payroll company is issued from U.S. bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my vehicle back in XXXX 2015 - My XXXX payment was due XXXX/XXXX/2015 - I made that payment on time payment was made in full by XXXX/XXXX/2015. I then contacted Ally the next day to request a ddc. My next due date was not until XXXX but financially my due date being in the middle of month is a better fit. So I requested a ddc and the reps are telling me I must make half of my payment in order to get a due date change. I asked the rep why is it I need to make a partial payment when I just paid you guys the previous day and also my account is not even due at this time. They are unable to give me answer only to say this is company policy. I then was transferred to someone else because I need better understanding as to why this is needed. I was still unable to get an answer. The rep only told me to call in closer to my due date and request the ddc so I waited. I then contacted Ally XXXX/XXXX/2015 to request a ddc they then in turn told me again I have to now make a {$94.00} payment in order to get a ddc I asked for an explanation no rep could give me an answer other than its company policy. I requested supervisor at this time for better clarification on this. The manager still says its company policy, my question is why is it acceptable to collect on an account the is not even delinquent or past due. She could not give an answer only gave me options. Options were to pay XXXX and get due date change to XXXX, or wait until the day I can pay on XXXX I would not get a late fee due to the state but I may get a couple of calls. I do not want to the calls about a payment that can be paid on time and also if I were to pay XXXX and go past due I am still being charged a daily perdium on the loan due to the interest rate alone. The supervisor unfortunately still could not answer the question of why money is requested for an account that was not past due. Since I was getting no where with them I went ahead and went thru ddc process and paid {$100.00} to get it done. Today XXXX/XXXX/2015 Im still waiting for my paperwork to sign and send back my ddc has not been done I went ahead and paid my car payment for XXXX on XXXX/XXXX/2015 so I was charged for 3 days of extra interest which is very upsetting. This was a bad decision to have my car financed with such a money hungry company. I would like an explanation on why Im being charged for due date change and a payment is not due. I will be contacting a lawyer in regards to this to verify if this is even legal. This is a poor excuse for a company. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is duplicate student loans on my report. They have been closed on XXXX accounts and transferred. My student loans have been 90 % paid for. The information on my reports are inaccurate. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said " We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter, including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least, Experian should be required to inform consumers of why they were " unable to honor your request '' when the consumer receives a denial for their free annual credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I got a loan for a vehicle with my son as a co-signer. He moved out shortly afterwards so I had no other income other than the petty cash salary I was making. I notified the loan company via letter that I could not make the one lump sum monthly payment and will need to make two payments per month. They have been calling me, family, and friends ( references ), ( 6 ) six times a day, ( 6 ) six days a week since XXXX 2015. I spoke to them and asked them not to use my references to contact me ( some of which is in other states ). They have ignored my request. I told them if they are not satisfied with how they are receiving the payments come get the vehicle otherwise top calling me about late payments every single day, all day when I work overnight shifts. Now I have to turnmy phone completely off to get sleep.. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are XXXX collections items that appeared on my Experian credit report in XXXX, XXXX that I have never had accounts with. The first is XXXX XXXX XXXX ( original creditor is XXXX XXXX ). They are tying the account to an address I had with my ex-wife XX/XX/XXXX but have not lived at since. Their last email to me from XXXX XXXX, XXXX Customer Relations XXXX, XXXX XXXX says that while my social security number does not match the XXXX on the account, he has " reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' They are saying this previous address ties me to the account even though I have not lived there in over 30 years. The problem is, they can not find the person the cable account IS tied to so they are refusing the resolve this issue on my credit report. I highly suspect they are now blending my file with someone else 's because since these collection issues were erroneously put on my report, several new addresses have been added that I do not or have not lived at ( all XXXX addresses and an address in XXXX, XXXX ) that just appeared since XX/XX/XXXX. I lived in XXXX, XXXX for 27 years before moving to XXXX in XXXX. 

The second collection item I challenged was with XXXX XXXX XXXX. After doing an investigation, I received a notice from Experian saying the item would be deleted. But two months later, it is still on my report as well. I have done my due diligence by showing my previous MD address ( during the period of these XXXX collection items ) which proves I did not live in XXXX, MD when the accounts were set up. In addition to the collections items on my Experian report, Equifax also has the XXXX error on my report and will not remove it either. I have XXXX and can ill afford to hire a lawyer as my first course of action. I have successfully enlisted the help of my Congressional representative in the past with other issues and will likely pursue this as my next course of action. I 'm hoping your Agency can resolve this before I have to pursue that route since your role is to oversee the fair practices of the Credit Bureaus. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have paid my Macy 's account balance XXXX separate times, and yet I still see another {$2.00} bill added to my account. I know I have paid the balance off so I do n't check since I have not charged anything at Macy 's. How do they get away with the practice of adding a {$2.00} fee to my inactive account? 

Company response: Company chooses not to provide a public response
Consumer complaint: I received 3 calls to my cell phone on XXXX/XXXX/2016 and 2 more today XXXX/XXXX/2016 from Pioneer Credit. There have also been calls to my sister 's cell phone, my parents ' home and other calls to cousins, aunts, in-laws, etc. I am not the holder of this debt, but Pioneer Credit continues to call in an attempt to find the debt holder. I told the caller to stop harassing my family. Hopefully it will stop as the FDCPA only allows them one communication per person ( which they have already exceeded to many of the above mentioned persons ) and they must stop if told to. 

Company response: Company chooses not to provide a public response
Consumer complaint: This bank ( XXXX ) seems to be really making a lot of rules on it 's own and enforcing in one way or the other to the customers. I followed the XXXX to open the anywhere checking account via online. Whatever they asked me to provide - I provided and that 's why the account was also opened. I provided my permanent resident card as part of the account opening process and they accepted it also. Now after opening the account they are asking me to come down to the branch and provide the driver 's license, why?? They have so many rules for e.g. if you have opt for online bill pay but do n't use it - they will charge fees. If one does n't have the direct deposit or certain minimum balance they will charge fees. It seems this bank just want to XXXX and money of the customers. They are not doing any favor to anybody by letting me open the bank account. They are also getting the business. Now they are doing everything to make it hard to do business with them and seems to do everything not to give me {$200.00} cash back bonus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was approved for a loan from CityWorth Mortgage on XXXX/XXXX/XXXX. My agent sent the loan officer XXXX XXXX the contract on XXXX/XXXX/XXXX. It took him weeks to get started with the loan process. On XXXX/XXXX/XXXX my realtor reached out to him again to see if he started working on the file, but he would not respond to her. On XXXX/XXXX/XXXX he started working on the file. XXXX/XXXX/XXXX he advised the appraisal came back with repairs. On XXXX my agent emailed him to advise repairs were made and for him to order re inspection. he advised it was reorder XXXX. On XXXX/XXXX/XXXX my agent spoke to the appraiser who advised he never received a request to go back to the property. On XXXX/XXXX/XXXX my insurance info was emailed to him. On XXXX XXXX, he had all documents he requested. On XXXX/XXXX/XXXX I sent him documentation I was now receiving XXXX, resent XXXX XXXX, and bank statement .XXXX would not respond to use for over a week. We have emails showing from abt XXXX to XXXX XXXX would not provide updates. On XXXX my agent as for his supervisor, no reply from XXXX. On XXXX XXXX states he needs a clear copy of funds ( which was a gift to close ) leaving my sons acct. That was provided multiple times. XXXX said XXXX the file was in underwriting. On XXXX the processor sent an email asking for pay stubs, bank statements, tax transcript, and insurance information all over again. On XXXX my agent again ask for number for the corporate office so we can file a complaint no reply from him or his supervisor with the information. On XXXX XXXX his supervisor advised my agent this file never went to underwriting. He also advised they are denying the file. There are so many things wrong with this process. They did not process this in a timely manner. They did not communicate and update correctly. Finally they denied my loan but i am still employed and I have XXXX income. I feel like this is discrimination. After being denied on XXXX/XXXX/XXXX I asked XXXX for a copy of my file I received no reply. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response