AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My wife and I were in the process of purchasing a home. Due to construction issues the seller ( builder ) was willing to remove {$2000.00} from the price of the home. When we contacted the bank we were led to believe that it was not possible to reduce the selling price even though buyers and sellers agreed. Wells Fargo claimed that there was not enough time to perform an inspection and still close on the house in the vicinity of the original closing date. After agreeing to settle the matter in a different way, without reducing the sell price, or involving the bank, a final inspection of the home was completed at the request of the bank for another reason between the time we spoke to the bank about adjusting the sell price and the closing date. This proved to us an inspection could be done in the original time we requested. We were forced to accept a less advantageous arrangement to exchange the {$2000.00} with the seller. 
Also, throughout the process, Wells Fargo produced multiple closing disclosure forms and were sending revisions multiple times a day, all with different amounts. When my wife and I showed up to the closing we were informed, with half an hour prior to our banks closing time, that we owed an additional {$2000.00}. Neither the Wells Fargo nor the attorney took the time to assure that we, the customers, were aware of yet another revision to the closing disclosure and that the amount required for us to complete the transaction was correct. 
Overall Wells Fargo did not appear knowledgeable of the process, made too many revisions and mistakes to the closing disclosure document, under-communicated changes when they were made, and took on an air of superiority instead of service to us, the purchasers of the loan, who are supposedly the customer in the transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: ON XX/XX/2015 I RESPONDED TO AN OFFER AT XXXX THAT SAID APPLY FOR THEIR CREDIT CARD AND SUBMIT AN ORDER TOTALLING XXXX AT THE SAME TIME AND RECEIVE A XXXX CREDIT ON A FUTURE XXXX BANK IN QUESTION WAS SYNCHRONY BANK AND THE CREDIT CARD WAS A MASTER CARD.AT THE SAME TIME AS THE CC APPLICATION WAS SUBMITTED AN ORDER, NO:XXXX WAS PLACED WITH WALMART.COM TOTALLING XXXX ORDER WAS PAID FOR BY AX SINCE I DID NOT HAVE THE NEW WALMART MASTERCARD WHICH ARRIVED ON XX/XX/2015.IN ADDITION TO THE ABOVE ORDER I HAVE PLACED XXXX ADDITIONAL ORDERS TO DATE USING THE XXXX CREDIT CARD. TO DATE I HAVE NOT RECEIVED THE CREDIT OF XXXX. AFTER XXXX PHONE CALLS TO CUSTOMER SERVICE OF THE BANK AND WALMART AND BEING TOLD THAT IT WILL BE COMING THERE IS STILL NO CREDIT. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The associate said that my husbands credit will also be reported if I do n't pay. This is for dental work I had done. My husband was my emergency contact. So I told him this is inaccurate as we both did not have work done and he said that if I do n't pay that they will report my husbands credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is my second time filing a complaint. I file a Chapter XXXX in XXXX 2010. In XXXX of 2010 I also had a loan modification. 
Any money that was due was worked in the loan modification. 
XXXX stated that I am two months behind when I filed the Chapter XXXX Which was true. I had just lost my job. At the time my payment was XXXX. 
So in my chapter XXXX they stating that I owe XXXX. Which I do n't owe that. 
So why in the chapter XXXX my loan was change to XXXX different company. 
Which is SPS. We have contract SPS a number of times to get a payment history. 
We just got the payment history a month before the discharge My lawyer are trying to get the case discharge but is not able to because SPS keeping putting off the case. Thius Chapter XXXX was suppose to be discharge in XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The company name is Valentine and Kebartas. 
After missimg multiple calls a day from this company I finally spoke with someone on XXXX/XXXX/16. XXXX had sent my final bill to my old address and I never got it. The person I spoke to at Valentine and Kebartas corrected my address and arranged to send out a reprint of the bill. She waved the ridiculous {$5.00} fee to have the bill reprinted. I let her know that I would be taking care of the bill as soon as I received it. 
Not 1 day later the calls started again. 
I received a call this morning by a very pushy caller and was told that if I was taken off the call list without making payment arrangements my bill would go into collections. I asked why my file had n't been updated to show that I was cooperating and s ( he ) said their system just does n't show everything. 
When I complained about their repetitive calls the caller said that legally the system could call my phone up to 6 times per day. This is harrassment and also threatening by saying my bill would go into collections. 
By their admission, even though I was cooperating, they were going to call me up to 6 times per day until my bill was paid. 
These are nnacceptable business practices. 
Please look into the company. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My mortgage company does not have proper documentation of my previous mortgage, and the Termination Statement according to UCC 9-513 was never recorded in my county 's registars office. I refinanced with the same lender and now the old mortgage doument has vanished. Then my security on the Note was sold, without notifing me, nor filed according to the regulation. My current mortgage is insured with a title insurance company, with makes the selling of the Security Insurment invalid. The current investor avertisement states, " We only pool uninsured VA/ FHA loans. '' This is fradulent activity and I would like the return of all principle, interest, per diam, and security interest returned to me, and my Note that was sold without my knowledge. Revocation of the power-of-attorney is waranted. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution. Any proof you need I have up to and including my carbon copy of the check that I wrote them I have been making the same payment for 10 years plus no excuse for this fraud. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. 
Detailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Bank of America. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Macy 's account managed by Citibank was written off in XXXX. The balance was moving around to different companies after the write off. That added money to the balance. Citibank took the balance back for the collection agencies and issued a XXXX in XXXX for the higher balance. I wrote the CFO of Citibank by certified mail but he did not answer me and I wrote the XXXX and they did not answer me. But this activity is a violation of XXXX XXXX, Citibank can not keep a AR on their books that was written off in XXXX and then issue a XXXX in XXXX. This misstates their treasury requirements with the Fed and misstates their filingswith the SEC, plays with my credit reporting and distorts my rights under XXXX code regarding the reporting of income. Is this what Obama agreed too? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Macy 's Credit Card issued a card to an old address and debt incurred was not made by me. After getting odd calls asking for me and then they would ask for customer identification info. When we ask to have a contact # back they gave the following XXXX # 's XXXX, XXXX which are neither Macy 's credit card customer helpline. After inquiring which company, they stated they were Macy 's XXXX XXXX collecting on debt. I contacted Macy 's Credit Card at XXXX and cleared the fraudulent charges with their fraud department. Afterwards, the XXXX continue 's to call every morning. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have complained about XXXX on my credit report with XXXX XXXX XXXX, XXXX from 2010. I threatened to file a lawsuit for a procedure he did on me personally and highly embarrassed me and I told him I was going somewhere else. When I did, the doctor said what he stated was wrong was not right and it was the WRONG XXXX. I advised him I would not pay the bill, I talked to him on the phone, he even called the second opinion doctor. He advised me he would remove the charges and I just got a copy of my credit report and saw this on there. I am fighting to have this removed. Please do what you can. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Phone number, Social is XXXX. Thank you! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX XXXX XXXX my husband passed away then in XXXX XXXX XXXX a car hit me causing injury to me. I had to pay for my medical bills and both insurance company sent money to my attorneys, I let my mortgage company know what was happen and why I got behind in my payments. I also called keep your home and they said I qualified for help up to XXXX the mortgage company would not except the money. I do not under stand why other then it would bring my principle down. I sent a letter to the mortgage company with statement I would receive money to catch up with my payments and for them to let me know if a sale date should happen. The mortgage. did not let me know but posted a sale date for two week of the sale in XX/XX/XXXX .I have a great granddaughter living with me and my health is bad I need help to under stand why this mortgage company did this and why they will not except the money from keep your home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Tried to open a credit union account in XXXX, Ca - was told that there was a freeze placed on my social security number in relation with my credit due to a fraud alert which I did not submit but which was submitted through experian using my information. I called experian to have the fraudulent freeze removed only to be told I was not allowed to access the information because I was not the individual who initiated the freeze and was hung up on by the agent after being offered to pay {$300.00} to join a program to eliminate debt. I acted with integrity and was told I was not allowed to access my own information by and through experian. I now can not do anything with my finances because of this fraudulent freeze placed by someone other than myself but who used my social and clearly enough information to successfully place a freeze on my social and credit profile. I demand to know the IP address or mailed submission which initiated this claim and I demand to have the recorded phone conversation I had with the experian agent who illegally denied me access to my account and the possibility of removing this fraudulent claim thereby making my financial situation unlivable and extremely traumatic. I also demand this fraudulent freeze be removed IMMEDIATELY and that I receive the information of all the responsible parties previously mentioned as I am seeking legal action to the fullest extent. 

I can not attach any relevant documents regarding my credit or this freeze clearly because of this fraudulent activity as I was and am now denied access to my OWN credit information and specifically this erroneous freeze. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent a letter stating that I was in default, I checked in at the website, it shows my payment not being applied on the day I made it, my conformation no. Is XXXX, I also had a message saying that I called and made arrangements to pay on the third, I did not, I call and talked to a XXXX employee number XXXX and was told to disregard. Just trying to stay out of trouble, please help if you can, thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been divorced since XX/XX/2007 and it appears on my credit report that my ex husband is my spouse or my co-applicant. I have attach my divorce decree. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i try to login into my transunion account to access my credit file and check the status of open disputes. every time i try to i get an error message saying that my file ca n't be accessed due to data provided. I have had the same account info for many years and the system shows me logged into my account. When i call in to the csr dept they tell me its nothing they can do. I want someone to tell me if there is an alert on my account that i 'm unaware of or why when i 'm denied credit i 'm unable to obtain a copy of my credit report that is entitled to me by law? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX of 2016, I received an alert from credit reporting agency that a negative account where put on my credit report, I contacted the debt collator requested information regarding the dispute, also disputed the inaccurate information with the credit bureau, waited for 30 days nothing, but I did heard from XXXX saying that they updated the info, when I check my credit report the false account still there, please help 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I owe this agency in several accounts. I called to pay off all but XXXX account. Later I found they placed all the money into XXXX account. Upon calling the agency back was told that they have the right to place the money on any account that they wanted. Was then hung up on. Returned call to them staying the law and that I could pay off the debts of my chosing. Was told I did not specify. So I lied and said I had it on recording. Then they stated oh I see that you did. Claim to be in the process of fixing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sears credit card : I mailed my payment in for the full amount of {$22.00}. The due date was XXXX/XXXX/16 ( a Sunday ). My payment arrived on XXXX/XXXX/16 ( a Monday ). My next bill showed a payment amount and a {$2.00} interest charge. I was confused because under late fee it said {$22.00}, but I sent in my {$22.00}, so I sent in the {$2.00} thinking that was because I was one day late. The next bill came and now it said I owed {$48.00}. I could n't imagine how so my daughter looked into it and we realized that they said I was late ( even though on this site it says that it should not be late if the mail is n't delivered on due date, and the payment arrives the next day ) AND that they had charged me a late fee of XXXX % of my due amount ( {$22.00} ) which was not only outrageous but confusing. So I called the account question phone number and they would n't do anything. In fact they tried to tell me that if the due date is Sunday I have to have it mailed there by Saturday. I have filed a complaint with them but am worried that they will continue to add charges OR if I pay it, they will not eventually reimburse me. Also, I ca n't imagine why their computers do not adjust for the due date on Sunday event where payments received by mail on the next day, Monday, should be considered on time, and therefore probably are illegally charging late fees to many people. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased three items of clothing from Macy 's Department store in XX/XX/XXXX for {$87.00}. My account was set-up with electronic billing. Macys redesigned their website XX/XX/2015 and erased all of their previous electronic billing data. They subsequently never billed me nor did they make any attempt to collect the debt from me, or even contact me regarding the debt. I have subsequently incurred late fees and interest increasing the debt in four months to {$230.00}. I discovered the delinquent debt when applying for a mortgage refinance and discovered my credit score has dropped from over XXXX to XXXX. I have paid the {$230.00} debt, however I feel that Macys has acted in bad faith with regards to the imposition of late fees and charges given that my electronic billing arrangement worked well previous to their deletion of my information. While responsible for the underlying debt, I am unhappy that Macys felt they could delete my account and then charge me heavily for the action. Of more concern is the damage to my credit score. Their action could ultimately cost me thousands of dollars in increased interest due to the damage to my credit score. Prior to this incident, I had never been late on a payment in my entire life. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: That 's not me I never had all those accounts 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: my husband and i requested for a modification, the mortgage company gave us a bunch of run around for two years sending paper work back and fourth to here and there and over and over and over. They had us believing they was going to give us a modification and then denied us and gave us a bogus excuse that we was not qualified for a modification and tried to foreclose on us. my husband and I had to file chapter XXXX to keep our home because the lender lied to us.So now we have a mortgage payment and a plan payment because of the mortgage company. 

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