AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I lost my husband XXXX/XXXX/XXXX, then XXXX XXXX I lost my job. I was making my payments to Wells Fargo then I could n't afford it. I have asked for help and even have an attorney. i was denied, fliled an appeal in XX/XX/XXXX and found out today XXXX/XXXX/XXXX the appeal was denied. 
Also, they have me at XXXX % ratio. I need my payments lowered, or forgiveness of part of my principal. I need help ... .. 
I want to keep my home, I just need help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our previous mortgage loan servicer, Specialized Loan Servicing LLC, has denied receiving our payments during the past ten months. This is despite our continued on time payments. ( We do have bank statements showing receipt of funds, dates and check numbers. ) The new loan servicer is XXXX XXXX XXXX SLS refuses to discuss the status of this loan with XXXX who needs to have the payment record to fund our new mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is against WELLS FARGO for allowing a XXXX party to sign for the primary holder XXXX XXXX XXXX, the bank told me in XXXX he walked into back and paid loan in full personal casheirs check. XXXX has absolutely no knowledge of this nor was present. 
As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that XXXX Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and son to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for XXXX XXXX XXXX will help otherwise DIE & XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: It shows on my credit that I have a XXXX account which I have never owned a XXXX account let alone know how to use a XXXX. This should never have been on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Pinnacle Credit Services many times regarding the XXXX accounts but they still report balance although they said they closed it .I sent them id theft report and other paperwork. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We applied for a loan with emortgage. 
They sent GFE1 on XXXX XXXX. 
When I received the faith in lending terms interest rate was above my " locked '' in rate. 
On XXXX XXXX, appraisal came in low and emortgage said they would have to modify costs. 
On XXXX XXXX, they sent GFE2. 
On XXXX XXXX, they sent us an initialed copy of the HUD1, in which the amounts matched the amounts in GFE2. 
When signing final loan documents HUD numbers were significantly raise in the section marked numbers that can not change by over {$7000.00}. 
In addition, we never given the Special Information Booklet, and they mistakenly left my wife off the loan documents. 
Lender was very unprofessional in discussions and directly instructed my agent not to contact them further. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Another consumer and I had a transfer with USAA. Where the other consumer transferred XXXX dollars from his account to mines and had me withdraw it and give it to him. Without me having any knowledge of me knowing that it was a scam. Then a few days later my account went into overdraft of XXXX dollars. USAA reported me to XXXX for mismanagement of my account. 
I feel that this is unfair because USAA should have not let the transaction go through if the other consumer did not have the legitimate funds. I paid of the debt and i was still reported to XXXX. and as of right now i am not able to do business with any other banks. i would like this issue to be taking care of. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Per my conversation with CFPB on XXXX/XXXX/15, I am submitting a new complaint based on my original claims and allegations against Bank of America, but will be providing new/additional information, such as a better Bank of America contact to reach out to, i.e. preferably outreach to Bank of America 's CEO/Corporate Headquarters versus a random consumer resolutions center. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX mortgage on a property that had a first mortgage held by Greentree/ Ditech XXXX I forclosed on the XXXX mortgage on XXXX XXXX the foreclosure waswas subject to making payments on the 1st mortgage. I have beenharassed by Ditech debt collectors. I can document that on XXXX occasionsthey received by Fax information from me showing I was the ownerof Record and that I needed information on the mortgage in order tomake the payments. They have never sent me information on thepayment amount/ balance amount etc. The payment amount keepschanging and they call me and tell me I am " late '' in paymentsbecause I did not send in the correct amount.They are adding feesand penalizing me and yet will not give me information on the amountof payment necessary. They harass me constantly by calling severaltimes a day. All they need to do is send me a statement outlining thepayment amount and interest rate and notify me if there is a change. 
The Ditech reps are rude and despite my asking have not sent meany information. I consider them abusive in their practices. I did seewhen I XXXX them that there was a {$48.00} XXXX judgement againstthem for unfair collection practices. If you can suggest a remedy Iwould be glad to try anything at this point. XXXX XXXX XXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: To whom it may Concern : I recently pulled my credit report and noticed that a late payment has been allocated to my credit file. When I called CITICARD customer service I was told that I was n't late. I explained to customer service that they have reported a 30 days last as of XXXX/XXXX/2015. After further research they advised me that they send a statement to my email address. I verified the email address that they supposedly sent the correspondence to which was not mine. I asked if there was a bill that was due why they failed to send it to the address that I have had with them since I have opened the account they could not give me an answer. I have received proper correspondence including all of my bills from them on every other occasion yet they are at a loss on this occurrence. In addition a few months ago I had mail stolen from my mailbox soon after that I noticed fraudulent activity on some of my credit and personal information. This may have been when the changed to my billing information on this credit card had occurred. I contacted all creditors to notify them of what has happened and to make special notes of potential fraud on my accounts. CITICARD failed to do so. I attempted to make the payment multiple times online but was given error messages. ( Saying they were unable to process my request ) I then called in to their customer service line to ask if there was an issue with their online banking portal and if I had anything due at the time. They indicated that there are no issues, my online banking is working and all is accurate. I then asked them to verify payments and my information they again advised that everything was correct. This was a complete inaccurate statement. There was several things that were wrong not only was my information changed but notification and payment information was not given and or correct. I have never EVER been late in the past and throughout my entire credit history. I also never had to make a payment over the phone in the past as I never had issues with any creditor 's online service. Please follow up on the action that has taken place. Correct the erroneous late payment as blemishing my credit history and take proper action upon the company as well as the service representatives who failed me as a long standing customer as well so diligent credit user. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : This is to let you know that I requested XXXX XXXX XXXX XXXX XXXX on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : Citibank XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

XXXX XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens of the XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from XXXX XXXX XXXX XXXX that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from XXXX XXXX XXXX Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a account pop up on my report which i have no clue about. 

Company response: Company chooses not to provide a public response
Consumer complaint: A mortgage that was terminated by a Deed-In-Lieu agreement with the credit union is being reported by Experian as a foreclosure. Additionally Experian is reporting that the deed was not received by the creditor until XXXX 2014 when in fact it was received in XXXX. Separately on the same report, Experian is reporting my home address as a commercial address adding a fraud warning about this. Several attempts have been made to have the information be reported correctly, including sending Experian a copy of the Deed-In-Lieu, however Experian refuses to remove the incorrect information. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Barclay card services XXXX XXXX XXXX XXXX withdrew funds from my checking account via Electronic Funds Transfer with out authorization. When I confronted the Barclay card Services, they stated that someone with IP addresses from XXXX XXXX and XXXX Utah gave permission to do so. I and my band XXXX XXXX filled an investigation into the matter and I was found without fault. I was told to file a stolen identity report with the credit bureau and the police department. I filed the reports with the agencies and then wrote the Barclay card services in regards to the time I spent doing this and asked them for the IP addresses so that I could give them to the police for further investigation. It is in my belief that this is part of the XXXX XXXX indemnification of their customers. I never received a letter in return regarding my Identity thief and believe that this is a form of discrimination and consumer abuse. I have continued to make payment on the credit card, but believe I am entitled to relief for all the time and banking processing that I have suffered do to the security of the Barclay Card Services. 

Company response: Company chooses not to provide a public response
Consumer complaint: there is some account on my report i have no clue who this belongs to. 

Company response: Company chooses not to provide a public response
Consumer complaint: According to Experian I have incorrect names on my credit history as well as an account in collections with XXXX which was already paid in full. 

Company response: Company chooses not to provide a public response
Consumer complaint: HOLLOWAY CREDIT SOLUTIONS HAS BEEN INFORMED THAT THE DEBT THEY ARE TRYING TO COLLECT FROM ME IS FRIVOLOUS. THEY ARE TRYING TO COLLECT A DEBT ON BEHALF OF XXXX UNIVERSITY AND I HAVE ALREADY INFORMED THEM I ATTENDED UNIVERSITY OF XXXX AT XXXX IN ( XX/XX/XXXX-XX/XX/XXXX ) AT THE SAID TIME OF THE ORIGINATION OF THIS ERRONEOUS DEBT. I HAVE PREVIOUSLY INFORMED HOLLOWAY CREDIT SOLUTIONS THAT I WAS A VICTIM OF IDENTITY THEFT. I HAVE ATTACHED OFFICIAL DOCUMENTATION FROM THE XXXX WHICH SHOWS OFFICIAL AND VERIFIED ENROLLMENT STATUS DURING THE TIME THAT HOLLOWAY CREDIT SOLUTIONS IS CLAIMING I WAS A STUDENT AT XXXX UNIVERISTY. I HAVE ALSO ATTACHED DOCUMENTS FROM THE XXXX THAT CLEARLY CORROBORATE MY ATTENDANCE AT XXXX ( NOT XXXX UNIVERSITY ) VIA THE PELL GRANT DISPERSAL THAT I RECEIVED **FROM XXXX , NOT XXXX**, WHICH FURTHER VALIDATES THAT I ATTENDED XXXX, AND NOT XXXX UNIVERSITY. THE DOCUMENTS OF STUDENT ENROLLMENT IN XXXX UNIVERSITY ARE A RESULT OF IDENTITY THEFT. IT IS QUITE STRANGE THAT XXXX UNIVERSITY CAN NOT PROVIDE DOCUMENTATION THAT SHOWS WHAT BANK ACCOUNT THESE DISBURSED FUNDS WERE ALLOCATED TO, NOR CAN THEY SHOW OFFICIAL DOCUMENTS FROM THE XXXX or XXXX IN THE SAME WAY UNIVERSITY OF XXXX AT XXXX HAS BEEN ABLE TO DO. THAT IS WHY THIS IS NOT A LEGIT DEBT AND THIS WILL HAVE TO BE REMOVED FROM MY CREDIT PROFILE. 

HOLLOWAY CREDIT SOLUTIONS HAS ALREADY ADMITTED IN WRITING THAT THEY HAD ACQUIRED AN INCORRECT DATE OF BIRTH-THAT DOES NOT MATCH MY DATE OF BIRTH. THIS FURTHERS DISCREDITS THEM AS UNETHICAL DEBT COLLECTORS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a XXXX XXXX account though XXXX Bank that was closed and paid as agreed and paid off. I investigate this account several time though the credit bureaus and they did not remove this account. XXXX Bank send me a email today stating this account was paid in full and never late. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called the Macy 's Credit card department on XXXX/XXXX/2015 because I could n't get online. I 've been a customer for several years and have never had an issue. I spoke to someone named XXXX regarding my balance, applied payments and finance charges. When I asked XXXX for my rate, she said " it 's like 25 % ''. I stated to her that she was not allowed to paraphrase a rate to me, that she had to quote it exactly, and after I asked XXXX times, she still would n't quote it to me exactly. I asked to speak to a supervisor. I was told that my online access would be fixed. I was told over the phone, because after a week and a half I still do n't have access to my account or my statements, that my finance charge had increased over {$10.00} in XXXX statement period ( from {$43.00} to {$54.00} ) with my balance having only changed by {$74.00} dollars. The supervisor waived interest charges for two months, but also refused to quote me the finance charge formula they use to calculate the interest. I 'm incredibly skeptical of Citibank , N.A . XXXX at this point, because their employees are unlawfully refusing to quote exact rates that are being charged on my account, they refuse to provide the formula for interest calculation, and at this point still have n't provided me with access so that I can review my account history and how my payments are being applied. I feel like by limiting my access i 'm falling into predatory lending schemes, and i 'm outright being lied to by the service reps on the phone. I still do n't know how much money i 've lost in payments since i ca n't access my account. All I know is that i 'm not making purchases, and my finance charge is increasing, without my rate increasing and i have no paper trail to prove anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: My medical insurance paid the bill, and I was then subsequently billed again for the full amount. My insurance provider then opened an investigation, and it was decided that I did not owe the amount that was billed. I have now been contacted twice by a debt collection agency for this amount, despite sending them a letter asking for proof of the debt upon receipt of the first notice. I have yet to receive proof of the debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX and XXXX 2015, Green Tree Loan Servicing ( now XXXX ) took fees from my bank account without my authorization. My practice with Green Tree is to call and set up an electronic funds transfer payment from my checking account at the end of the month. The fee for doing this is {$12.00}, which the customer service representative told me in XXXX and XXXX would be waived. I authorized Green Tree to withdraw only the payment amount from my account. I did not authorize the taking of the fees. To compound the issue, at least XXXX customer service representatives from Green Tree have told me that they would see to it that the money taken in XXXX -- without authorization -- would be refunded into my account. This has not happened even though the representatives have taken my bank account information. Is it legal for them to take my account information and to do nothing with it? I know that wrangling over XXXX {$12.00} fees may seem silly, but to me the lying and the taking of unauthorized money are practices that should be stopped. Plus, because of health issues, I have not worked -- except for a bit of freelance work -- full time for nearly fourteen months. Green Tree is aware of my financial situation ; I explain it every month. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: At this time we are are just a month behind on our mortgage payment. Green tree has been been told that we are paid on the XXXX of the month as both my husband and I are retired. They have also been told that we will be completely caught up shortly. However, after telling them this information they continuously call us a XXXX times a time which is becoming a harassment by them. When they call they will let the phone call go over to voicemail and not leave any type of message. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried opening an Account with XXXX ... ..subject to approval thru Chex systems ... Check systems denied me ... The bank gave me Check systems contact information..I called Check systems and they refused to take me off their list..I told them I filed chaper XXXX, and all previous debts were discharged. Check systems told me I owed them XXXX ... I asked for what ... the agent had no response! They still have me on their list. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company called PROFESSIONAL FINANCE CO is filing on my credit report even though I pay them every month. When I checked my credit report on XXXX XXXX, 2015 I noticed that they were reporting the incorrect balance and have n't even sent any type of bill or notices to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Pulled credit report without permission, 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased XXXX iPhone 6plus in full payment of {$940.00}. They are charging me an extra {$530.00} for monthly fees when the phone has already been paid for in the full amount. As I refuse to pay extra they put it into collection which is now on my credit report. After speaking with a sprint representative they noted that the phone has been paid in full and for me to notify they financial department of the error that has been made on their behalf, but they refuse to take it off of my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt. 

Company response: Company believes it acted appropriately as authorized by contract or law