AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have never been 90 days past due on my mortgage. Wells Fargo stop taking payments from me in XXXX. I made a payment XXXX they did payment reversal XXXX/XXXX/16. I have paid the same amount on mortgage for several months. They 're telling me my payment was more than that. I have proof where they 've applied my payment every month up until XXXX. I called them today and was told they were not able to reach me all my contact numbers were disconnected. I only have XXXX contact number and that is my cell phone. Someone there deliberately removed my number and added old home phone numbers I have never put on my account as a contact when they did a skip trace. They 're doing everything they can to make it look like they 've tried to help me and I was unable to be reached. I have n't received an accelerated letter indicating the next step and have n't received a certified letter notice. I was told today I had to pay XXXX payments by XXXX/XXXX/16 or they would foreclose on your home. Wells Fargo is illegally trying to take my home from me. I received a blank envelope on my door Monday saying confidential with nothing inside the letter. The monthly statements say my payment is XXXX thing however they 've taken a different amount and applied it EVERY month. I NEED someone to take a closer look at them along with my documentation to see this is not right and I am not being treated right. I understand I am not current on my mortgage but I know my rights and know it has to be over 90 days for foreclosure to start. They 've tried to cut off all ways for me not to make a payment every month. I have managed to get a payment sent through my bank account. I desperately need someone to intervene. Please help me I only have 7 days. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bought a {$300.00} US Bank prepaid gift card as a wedding gift for a family friend. To our chagrin, they reported to us that when they tried to use it, most of the funds had been used, and the card was frozen. 

After calling US Bank, they decided to investigate the case, and was told to wait. I made several phone calls in the future, and was just told that the case was still being investigated. Eventually, we were asked to fax in necessary materials, including the credit card, the sales receipt, and my information. I was told that the fax would go directly to a supervisor and we would hear back within the next business day, but I never heard back again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a collections account from XXXX apartments that I have no knowledge of. I had a lease that was satisfied at the end as per the contract. A coupl months went by and then I received a notice I was in collections for XXXX. I have no idea what it 's for, never received an invoice phone call or any communication stating they felt I owed them anything. I spoke to them via texts which I still have, I spoke in person when I turned over the key, I had no knowledge or chance to pay the debt had I felt it a reasonable debt belonging to me. I have suffered financially due to higher interest rates and it being able to obtain credit for things I may have been able to because of the actions of the company. I think they are in violation of fdcpa section XXXX ( b ) failing to validate the debt 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am having continued issue with an account that is reporting on my credit report with XXXX account number XXXX. XXXX is refusing to remove the account from my credit report even though i have supplied them with evidence showing this account was not opened by me. Experian is reporting the account as if it was a business account target in their response to the CFPB said this was a personal account. The account states that it was purchased by another lender which originally it was XXXX XXXX XXXX but the account was then returned to XXXX due to the fraudulent nature of the account. The account is reporting Charged off on 2 seperate months and years XX/XX/XXXX and XX/XX/XXXX I would like to dispute all of the above mentioned factors with Experian and they are not allowing me due to the previous disputes. I need this investegated and for the account to be updated accordingly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was covered by XXXX at the time of service. When notified that I was being billed, I filled out the back of the bill and sent it back with my XXXX info. There are XXXX delinquent accounts by the same collector, XXXX were covered by my XXXX benefits. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to get a loan modification for over 2 years from my lender BSI Financial. They routinely turn me down for a loan modification for reasons that are false, ( this last time they said that I only make XXXX a month and that is not enough, but in reality I make over XXXX a month ). They never return my phone calls and I had to file chapter XXXX a year ago to keep them from selling my house out from underneath me. Until XXXX I was paying the Chapter XXXX trustee over XXXX a month and my loan payment of XXXX to BSI. But I have not paid them since XXXX but have stayed current on my payments to the Trustee. I have found thousands of consumer complaints about them and they have done everything possible to get me out of my house. Please help me keep my home 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a rental property that is now vacant. I can not afford it. The tenants left with 4 months of rent due. After the tenants jumped XXXX, my husband and I were helping my daughter and her XXXX children. I am now retired. Green Tree Servicing service this mortgage. I contacted a realtor and begin applying for short sales starting 18 months ago. I had to fax information and so did the realtor. We got a short sale approval then we were told we did not get a short sale approval. We needed to start over again. I had done everything they told me to do, the few times I have talked to someone I was told to leave a message with my account representative. I have left messages sent emails and left more messages. I got a supervisor 's name left messages and included her on emails. Collections continued calling, we would tell collections we are doing a short sale they would not know because one department area does not know what the other area has on file.. Personnel changes did not help the situation. In these XXXX months I have had XXXX different persons working with my account, if not more. We went to court ( XXXX/XXXX/XXXX ) and Ditech Foreclosure XXXX was present, I told her we have had offers on the property and have not heard from Ditech. She said she did not know anything about that in her area. My realtor told me they sent the offer to Ditech. I physically handed her ( the specialist ) a copy of the offer there at the courthouse. She said she would image it. I called ( approx. XX/XX/XXXX ) Ditech they said they did not see the offer. I called the Foreclosure Specialist she checked the file and the offer was there and had been there since XXXX/XXXX/XXXX. This has been the same kinds of scenarios we have had to endure all these months. Last week I was told by my realtor that Green Tree, who is now Ditech, actually called and I needed to fax more information to go forth. I faxed the information and I am waiting to hear from Ditech. Yesterday XXXX/XXXX/XXXX I got an email The buyer now wants their deposit back/withdraw their offer for the property because of the length of time this has taken. The house goes to foreclosure XXXX/XXXX/XXXX. I do n't want foreclosure on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A number amount of overdraft fees that has my account in a major negative balance 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX States that original company did n't receive payment but could n't state original company. States we have to pay this loan or legal action will be taken against us. She states that I signed up for this account XX/XX/2007 I do n't have any recollection of this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm a XXXX year old male, I applied to live at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX Prior to applying I short sold my, home, so my credit reports, FICO score was very low, in the XXXX range. Now keep in mind, prior to applying, I lived in my home for XXXX years, now bankrupties, eviction, criminal record, and after the sale of my home I am DEBT FREE. 
But because of a low FICO SCORE, I was declined residency in XXXX XXXX XXXX. 
I call this DISCRIMINATION BY FICO SCORE. But lets call it what it really is and will become known as, DEATH BY FICO SCORE. 
Remember when HMO 's were not treating there patients, and many died, that was known as DEATH BY HMO, well this is the next to come " DEATH BY FICO SCORE. '' YOU MUST DO EVERYTHING IN YOUR POWER TO STOP THIS WAVE FROM HAPPENING. 
The private sector, is putting billions in advertisements to give the FICO SCORING SYSTEM more VALUE in OUR lives, SO WHATS NEXT?? 
You what to take a vacation, SORRY YOUR FICO SCORE IS TO LOW, YOU CA N'T LEAVE THE STATE. You want to go to a restaurant SORRY YOUR FICO SCORE IS TO LOW, AND ON AND ON. 
You must fight with all you power to ABOLISH THE FICO SCORING SYSTEM, XXXX IS THE COMPANY, THEY ARE ABOVE THE LAW, AND CHANGE THE RULES OF HOW FICO IS SCORED, FIGHT TO ABOLISH IT NOW Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Apartment Complex termination of lease. I had to move out due to a job offer in a different state. I have a signed Lease Contract Addendum stating that I will not get charge early termination fees or other fees and that I agree to pay {$2100.00} at a set payment. However, the apartment complex charged me early termination fees and other fees that apply and now I have a bill for {$6600.00} dollars which was sent to a collection agency back in 2009. I 've been trying to get the collection company to call me so they can correct the amount trying to be collected, I have called the apartment complex and they said they no longer work with that collection company and that the manager that was working there at the time is no longer there. They pulled the account and they said I was getting charged fees for early termination and others, however it is no longer their account and I need to deal with the collection company. They are hurting my credit report and I can not buy a house because I can not settle the account with the proper amount and start payments. 

They are reporting {$6600.00} Correct amount {$2100.00} I have a document stating that with signatures. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX hired Financial Asset Management Systems to collect on student loans. Financial Asset Management Systems is alleging that I have only paid {$1000.00} in total for the last 13 payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. Financial Asset Management Systems is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00}, which is patently false. XXXX and Financial Asset Management Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00} on my account. Financial Asset Management Systems is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. Financial Asset Management Systems is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made. 

Company response: Company chooses not to provide a public response
Consumer complaint: This was a disputed civil judgement concerning some pet issues, which was paid through the court immediately. 
The vindictive plaintiff evidently in haste went ahead and filed this complaint to ruin my credit. 
Again the bill in question was paid immediately to the courts 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We purchased a used XX/XX/XXXX, E-350 Mercedes Benz XXXX XX/XX/XXXX. The price that was charged was too high because of the high mileage of XXXX miles. The blue book value at the time was {$25000.00}. The Annual Percentage Rate is 10.390 %. 
Finance charge {$12000.00}. 
Amount financed {$35000.00}. 
Total of payments {$47000.00}. 
Total sale price to include down payment, {$49000.00} ( {$1500.00} ). 
Monthly payment for 72 months is {$660.00} dollars. 
Itemization of amount financed:1. Cash price ( including taxes {$360.00} ) {$35000.00}. Total down payment=a. Trade-XX/XX/XXXX Chrysler 300b. Gross trade-in allowance $ XXXX. Less pay off made by seller $ XXXX. Equals net trade in $ XXXX. +Cash $ XXXX. Total down payment $ XXXX. Unpaid balance of cash price $ XXXX. Optional gap contract XXXX. Government license and registration fees $ XXXX. Government certificate of title fees $ XXXX. XXXX XXXX XXXX XXXX fee $ XXXX. Total other charges and amounts paid to others on your behalf $ XXXX. Amount financed $ XXXXMy mechanic noted that the right front side of the car had been repaired due to some kind of blunt force. This was not disclosed at the time of purchase. 
Due to the inflated cost of this car, it has caused me to file a Chapter XXXX bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I move out from my apartment, I move to a different state. I terminated my lease. The apartment complex charge me early termination fees and more. The manager of the apartment sent out final bills to the wrong address, I never received a final bill from them or phone call. Years later I check my credit report and I notice a collection company trying to collect in behalf of the apartment complex. I did not denied that account is mine. They are charging me {$6600.00} dollars in termination fees and other fees. However, I have a Lease Contract Addendum that states I will only pay {$2100.00} as a early termination fee. They waived their right to charge anything else. I 've tried for a long time to get this corrected and the collection company will not call me back, i leave voice mails and no reply back. They just reported to the credit reports again XX/XX/XXXX that I still owe {$6600.00} dollars but they wont call me back. They keep damaging my credit and because of them I can not buy a house. I need them removed out of my credit. They do n't want my money then close the account and have them stop reporting negative incorrect information to my reports. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My mortgage was sold to a new company without any notice to me or my wife. I tried to make my monthly mortgage payment to the company I had been paying ( Stearns Lending ) and was told that they no longer held the mortgage and that I should contact the new company. I only have XXXX pieces of information for the new company the name " XXXX '' and a phone number of XXXX. When I tried to call XXXX I received an automated message that if my loan was recently sold that they 're customer service agents would not have access to any information for my loan and was not given any options to speak to a live operator. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went through a short-sale on a home back in 2011. Upon recently trying to get approval on a mortgage for a new home, I found that the secondary mortgage ( CitiMortgage ) reported the sale to the credit bureaus as a foreclosure. The primary lender ( XXXX ) reported the sale correctly as a short-sale. I have made multiple attempts to contact a representative at CitiMortgage without any progress towards resolution. I was told, in my last communication with them, that they would not submit a change to the credit bureaus to code it correctly as a short-sale. I have all of the documentation proving that a short-sale was executed, from both lenders involved. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Macy 's Card Services customer service makes it almost impossible to pay my bill in a straightforward manner ( unless I paid in person at a store ). I have been unable to successfully obtain my credit information through my online account for the last several months in order to see a statement, pay a bill, or review purchases. *As a side note, although I have changed/updated my address to reflect a new location, this did not trigger in their system on XXXX side and information goes to another address ( happens to be a relative of mine - thankfully. I am concerned about their ability to maintain PII in check/identity theft concerns ). Furthermore, I requested over the phone to receive paper statements after having gone paperless previously in order to send in a check each time. I did not receive a paper statement consistently. Both the tech side and customer service side of Macy 's was unable to completely resolve the issue and hence, why I am writing to the CFPB. If the website were my only concern, I would not write this complaint ; however, here are several of my other concerns : 1. Customer Service line is busy each time I have called and eventually, the line goes dead or it states that they are too busy to answer the call and the line hangs up. The only instance where this does not occur is if you call collections ( how convenient for them ). I have never intentionally missed a payment on any card and the experience is less than favorable. 
2. When I requested to speak to a manager/supervisor or person with authority on several occasions, I was either denied or my request was met with a considerable amount of attitude. Only once was I able to get through to a collections supervisor who realized my issue was due to my inability to get through to the technical services department for website issues. 
3. When I asked to close my account and cancel the card, the rep asked over XXXX times if I wanted to cancel. This is an overt attempt to keep the card open after repeated requests to close. 
This frustration is probably felt by others and could be detrimental in multiple ways. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ever since XXXX XXXX has joined with the collection agency they have, I have mailed requests, at their instruction to have them stop calling me. I have clearly stated what my circumstances are, asked them for a payment change date and they call beginning at XXXX XXXX and continuing sometimes until almost XXXX, INCLUDING XXXX and XXXX, multiple times a day, sometimes as many as 5 times a day. They are relentless in calling, the representatives are rude and do not complete the tasks they say they will. I have never been treated so poorly in all of my years as a consumer. The online statement varies from what they ask for on the phone. I had the account set up to automatically deduct the minimum payment amount and it took nearly 3 times the amount causing overdraft fees of nearly {$200.00} fees. I have spent no less than 80 hours of my life trying to rectify this matter only to be further frustrated to this date. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: we have been trying to short sale our home due to my wife 's medical conditions for the last 2 years I have given them al the required info they have requested we have now been thru XXXX buyers on our home and They still keep asking me for the same documentation every time we give them things as they need it and still have to send more papers every week.here is what we sent them 

Company response: Company chooses not to provide a public response
Consumer complaint: someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap 

Company response: Company chooses not to provide a public response