AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: i called and made a {$1600.00} payment on my best buy credit card and the representative misrepresented the terms of the payment. I told the rep i would be calling back to pay the account off in a few months the rep told me i should n't have a payment for a few months because i had paid such a large amount. The {$1600.00} dollar payment was made on XX/XX/2015, i called on XX/XX/XXXX to make a payment only to find out that my account was past due by almost XXXX days since the big payment was made in XX/XX/XXXX. This is a huge issue because I 'm in the process of buying a home and i am XXXX days out from closing on it the main reason why i paid such a large amount on the account is because it was suggested to help with my credit score now i have a 30 day passed due. I would not have ignored a XXXX $ bill after paying such a large amount. I have made several attempts to explain the situation and get it rectified through BestBuy the creditor with no progress made. This is costing me a great financial hardship I 'm in the process of loosing XXXX in ernest money and potentially the home purchase all together. Account number is as follows XXXX it is handled through a Citi Bank. What i would like is a deletion from my credit or removed all together if possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried several times to work with my lender on repayment options for years now. None of my efforts have been successful. I have proven to be a loyal customer by making almost all of my payments on time and in full over the passed five years, yet my principal balance has never been touched because my interest is so high. The majority of people I talk to are rude, condescending, and do not listen well. I feel as though there is no sympathy or flexibility in offering a strategic plan that I can afford. I have shown I am capable of making payments consistently as it is a priority I have set for myself, yet there is no help when I am in need of help. I call to negotiate and it is written off completely because it 's against their law. They have been bailed out yet they will not 'help ' out their customers in need. They have made rude comments like, " Well, ask Daddy to pay since he 's your cosigner, '' or " If we cut you some slack then we would have to help everyone and would have lawsuits for days ''. I do not appreciate being talked to like I am a criminal, 'less than ', or stupid. They may train their employees to be rude and harsh in situations where people can not pay their monthly amount, but I am person and their customer and deserve to be treated better. Part of the reason big banks were bailed out is because they handed out XXXX dollars in loans with astronomically high interest rates to ignorant, uneducated XXXX students. Now, some of these people are graduated, XXXX dollars in debt, and are putting forth effort to try to pay down these loans, yet no private lender is willing to help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a member of Continental Finance gold master card for many years. I have experienced fraudgelant activity as well as other issues. Since I have cancelled my card and asked to pay off the balance back in XXXX 2015, I have not been able to pay my bill off nor even talk to anyone to get satisfaction. I keep being told that to pay my bill online they have recently updated there website and that the wait time will be 20 to 30 minutes, which I wait and wait and wait. For one month now I still can get no answer to get online to pay this card. Please help me nail these people for all off the lying and fraud. I get phone calls from them and also have been called at work. Why?? I have no idea. I am not late and I have cancelled the card only remaning unable to pay it off me wish it farewell. 
off. 

Company response: Company chooses not to provide a public response
Consumer complaint: had a home equity loan with Roundpoint Mortgage servicing corp. got in financial bind tried for over one year to work out something with this co. but was told this loan was due and had to pay all of it {$47000.00}. WE WERE CURRENT WITH our first mortgage so Roundpoint foreclosed.we would have loved to stay in our home of 16 years as my wife and I are on XXXX. I just think this co.was unfair to us @ this time our country was coming out of a recession.It has been 7 months since roundpoint foreclosed but has not recorded deed to the property. thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked Modern Adjustment Bureau to validate XXXX accounts they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. I am in the real estate business and my credit is important to me and the XXXX marks against me are costing me dearly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a complaint regarding the debt collection agency, Hunter Warfield to the CFPB because they were giving me great difficulty in resolving my debt. When I initially contacted them they offered me a repayment rate that I initially could not accept. Later they changed that rate and then refused to negotiate a repayment rate of any kind saying that I had to pay in full. After contacting the CFPB, Hunter Warfield agreed upon a repayment rate. They then responded to the CFPB saying that we had successfully resolved the issue. Although we agreed upon a repayment rate Hunter Warfield refused to provide me with an agreement letter stating the terms of the repayment. They also refused to provide me with a receipt for the each payment that I made. In my mind this is not full resolution. I would like a letter stating the terms of the new agreement. My original complaint number is : Case number : XXXX. 

Thank you for your help. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The collection called a family member on there job and gave full disclosure regarding an alleged debt. This family member was not my spouse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I learned of an alleged debt of {$3000.00}, when i was contacted by my Human Resources ( HR ) department on XX/XX/XXXX, stating that a request had been received to garnish my wages. A company by the name of Pioneer Credit Recovery ( PCR ) has apparently been retained to collect on a debt alleged from the department of defense from XX/XX/XXXX. This information was given to me verbally over the phone by an agent named XXXX XXXX of PCR, on XX/XX/XXXX. I advised her that I 've never received any requests, statements or notices for payment from this agency nor from PCR prior to speaking with my H.R. Department. XXXX XXXX told me that she would fax all of the applicable documents pertaining to the debt to me. I have not received any documents nor demand for payment letters to date. 

I 'm filing this complaint because PCR, has violated the fair debt collection act ( FDCPA ) by failing to send me a debt validation notice prior to proceeding with legal action. They have failed to properly validate my debt after written and oral requests for the applicable validation documentation. They have not allowed me due process in defending my consumer rights and these actions on the part of PCR are all consistent with violations to the FDCPA. 

I demand that the efforts to garnish my wages be, extinguished until I 've been properly notified of the alleged obligations to a debt of more than {$3000.00}, which is completely unfounded. 

These accusations are false and i intend to prove, that i do not owe money to the dept of defense. 

Company response: Company chooses not to provide a public response
Consumer complaint: CHARLES Schwab sent me a fake check caused my credit problem 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to family hardships I was unable to keep up with the payments.I called XXXX XX/XX/XXXX to inform them of my situation and ask for assistance I was told I need to pay the full amount. The loan was then send to debt collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY spoke to XXXX XXXX XXXX, XXXX XXXX XXXX who said They knew where I lived and all my information, and would go after everything I had and that I better pay by XXXX XX/XX/XXXX because they were sueing me and a lawyer would come to where I was. They would take my Home and retire, ent income. References were called and given personal information and were informed that it was an emergency because I was in trouble. The resolution was they gave me after saying they would help me was :1. Borrow money to pay2. Get cosigner 3. Take my retirement money 4. No pay, nets accepted if I did not give the {$6000.00}. 5. Judge would take everything including their attorney cost and interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: SPS Loan # XXXXBorrower : XXXX XXXX XXXXProperty Address : XXXX CA XXXXShort Sale Package was submitted XXXX/XXXX/2015. The foreclosure date is set for XXXX/XXXX/2015. SPS is refusing to evaluate the borrower for a short sale or even postpone the foreclosure sale date. Why did it take 15 days for SPS to make the NEW determination that they were not going to work on the file? 

We request that all of the servicing notes on this file be pulled by the CFPB and examined not only for federal compliance, but also for California Homeowner 's Bill of Rights compliance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a dispute with my credit card at XXXX and they " lost '' it saying i " lost '' my rights. Then I got a phone call saying since they found it, they would be re-asserting the dispute process. I got my money back and confirmation in writing that the final dispute had been decided in my favor back in XXXX. Then, in XXXX they are saying they are going back on their initial decision, but I was already told since they lost the initial dispute and we were still in the time frame and the merchant did not respond that the money was mine permanently. At this late date saying they went back on their final decision seems suspect -- -the letter dated XXXX XXXX, is more than two months after the final chargeback was made. It is an illegal abuse of th dispute process. The doctor lied about me and said my dispute was illegal, which is n't true. He made up something in his head that should not affect your decision. To go back on your initial decision and then hold me responsible over XXXX months later. XXXX has repeatedly lost my disputes and they admittedly lost this one as well. However, the final chargeback was issued already. This is an illegal use of the dispute process. I do not owe the {$1000.00}. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have several loans with Wells Fargo. When I set up paying about XXXX years ago they arranged it to be made under 1 payment. For the first several months payment was not dispersed by them to all loans. They the claimed I failed to make all payments and listed about XXXX accounts a month delinquent for XXXX months. I was in conversation with them about this the entire time. This lowered my credit score. They refused to reverse the delinquent reports even though it was they who did not distribute payment made. Additionally they refuse to refinance a consigned student loan less than XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX tells me I owe {$620.00} over 8 billing cycles ending XXXX/XXXX/2012. They have no evidence that I ever asked for their services, I signed no contract and I do not owe them. This is my residence in XXXX, but I live in XXXX. I offered to pay {$50.00} to settle with them, and they refused. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First, none of the provided choices for the second question matched my issue, so I chose " Debt was paid '' so I could go to the third question. My issue is with Revenue Recovery Corp collection agency. On XXXX I went to the XXXX, I was seen XXXX and the problem was fixed. My military insurance paid XXXX XXXX all but {$35.00} dollars on my account. Revenue Recovery Corp receives the debt and reports the debt on my credit report broken down into several accounts : {$2.00}, {$1.00}, {$1.00}, {$2.00}, {$2.00}, {$1.00}, {$21.00}. Each XXXX was turned in as an account. This was also done XX/XX/XXXX, my bill was broken down into an amount per x-ray and turned in as separate account, XXXX separate accounts, if my memory serves me right! This was XXXX account broken down and turned in on my credit report as several separate accounts!!!! This has effected my credit score negatively as well as my Life! It appears to have been done purposely to effect my credit report as to force me to pay. This was a single account and it should have been turned into my credit report as such. If it is not illegal, it should be! 

Company response: Company chooses not to provide a public response
Consumer complaint: We set up a loan mod with wells fargo XX/XX/XXXX. e made the three trial payments and were waiting for a problem with the title ( we have a common name we do not have any liens ). XX/XX/XXXX we were hit storm XXXX XXXX XXXX feet throughout entire house, we are a XXXX, XXXX had XXXX feet. We did not continue with the mod because we didnt know what to do.We had to move out till the house was fixed. Had to fight with mortage co to get insurance money to start work. We paid an adjustor because that is what everyone said to do. We got a lawyer to to the loan mad because at this time we didnt know what to do, the lawyer messed something up XX/XX/XXXX. We are in the process of filing a grievence against him and had to get a different lawyer we submitted another package our lawyer said they said the numbers were good It had to go to the underwriters It was turned down again I just want to stay in my house. We worked so hard on it we could have walked away after the storm but we didnt. We are hard working people we didnt go on vacations. We were trying to get a grant from the SBA for my husband tools, equipment loss in the storm ( we did not have contents insurance ) this is now on hold because they wont work with us until the bank shows that they are giving us a loan mod it a big mess. I feel we our being bullied from the bank because now the house is fixed up thanks to our hard work they want to take it. I have to go to work now. I just want to get this started. Thank you for listening. 
We are sick over this. XXXX XXXX XXXX home XXXX Cell 

Company response: Company chooses not to provide a public response
Consumer complaint: i have gone on sites offering various personal loans ... they ask you to check your rate percent ... then they submit the rate and to various loan providers to get a rate ... then the rate requests are treated as hard inquires this damages my score and appears as many hard inquires ... i requested they be removed as deceptive ... but they never do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Several months ago I opened an account at the US Bank XXXX XXXX XXXX, AZ on XXXX XXXX. I was told that I would have a maintenance fee free account if I had a direct deposit. I knew that I was getting my SSI check in several months, so opened the account. There is a variety of banks in the area, chose this one for location convenience but would not have opened the account if I had been told that the direct deposit had to be over XXXX dollars. I started getting my SSI checks, asked the bank to correct the charge and then was informed that it was n't going to happen. I feel that the representative lied to me knowing that I would not have opened the account if I knew that there would be a fee and that once the SSI check was direct deposited, it would be too complicated to make changes to another bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX loan on my primary resident with bank of america, From XX/XX/XXXXthe loan fall into default since late XXXX XXXX due to economy crisison XXXX was told that the loan was discharged. and they loan lien will be releasedby XX/XX/XXXX, But never did, for several years, i was in overseas due to family problemsafter several years, finally i modified my XXXX loan on this property .as of XX/XX/XXXX, my property is still under water with regard to my first loan value I got a property tittle report showing there is still an active second lien on the property. 
surprised very much, and i contacted bank of america, again, First i was told this loan was paid off, on XX/XX/XXXX ( that is not true ) then i asked for release of lien certificate, you have to take care of your first loan lien modification. then we will take care of XXXX loan. and we may waive your second loan. if there is no value for XXXXand they ask me to provide them with my current financial and property information, i was told in order to release the lien i have to reach to a settlement agreement .even though there is no equity in to property according to their bpo evaluation, and the current negative condition with regard to lots of needed repair and maintenance, still demanding more than 50 % of final charged off balance, i can not afford the XXXX loan. and there is no value for that either. let alonei have hard time to maintain the first loan. i accept the XXXX loan modification offer. 
with the condition to get rid of XXXX loan, now there is no incentive to keep the property now if that is the case, and let the property go into forclusre anyway, and that defeat the whole purpose of HOME AFFORDABLE ACT, now bank americaplaying game and Deceiving tactics in order to collect this bad loan to begin with, I reached to Bank excutive office, and was told the lien was approved to be released, but they do not say why, simply do not know .///???? ( in XX/XX/XXXX bank of america was releasing $ XXXX XXXX loan liens. that was XXXX of them, they do not know what happened, the loan was a XXXX balloon that carried a prepayment penalty, and term of the loan are unknown, because a copy of the prepayment penalty rider was not provided, this type of loan considered as predatory by US General accounting officebecause of ballon component, prepayment penalty and high debt to income ratio of 70.16 % .edAt last : i am trying to resolve this matter and receive a final reconvene of XXXX loan, as i can not afford, i have no job and i was self employed and lost my business and do not have any saving or financial resources and have very bad health condition due car accident, but b o a is giving me a ran around, and telling me they do not care ifmy first loan is underwater, or being modified or even goes to foreclosure. 
I hope Bank of america waive the XXXX loan due to no value or equity into XXXX and XXXX loan of the property. ( according to making home affordable act ). 





XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Took out this loan in the amount of {$600.00}. Was told that the loan was {$130.00} per week but was not told that the loan the following 2 weeks and going forward would be {$200.00}. I found that out when they debited my account and I called them. They then sent me a copy of my application. I also found out today from the Indiana DFI hat this company is unlicensed to lend in Indiana and that the percentage rate is well over what is allowed ( 720 % ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Some one fraudulently signed my name to an apartment and did n't pay the rent .They went to court and even paid a payment of XXXX towards theXXXXXXXX I asked for proof of signature and he said he did n't have to show proof..I told them it was fraud and to delete it off my credit report. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Over the course of the past 2 weeks I have been dealing with fraud on my account with Wells Fargo. There have been XXXX major claims filed and each time I am hearing that it may be up to 10 days before it is resolved. Before the first issue is resolved, another fraudulent activity has shown up. I can not even get back to XXXX. I ca n't close the account because I cant get my money out. I have no way to live on a daily basis because I can not get my money back to pay bills, the mortgage, put gas in my car, or buy groceries for my family. Wells Fargo seems intent on following protocol and letting my family and me suffer. I am not getting anywhere talking to them and I am just a series of case numbers to them. All of this time I am getting overdraft fees and other fees related to someone else draining my account! It does not matter that they say they will take care of it in less than 10 days because right now I am drowning! 

Company response: Company chooses not to provide a public response