AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We refinanced with XXXX XXXX Loans who immediately sold our loan to LoanCare. I received a letter from XXXX XXXX Loans with information on where to send my first payment which was due XXXX XXXX, 2015. I had my bank electronically send the payment, but XXXX XXXX Loans provided an incorrect loan # which I was not aware of until I received a call from Loan Care that they had not received my payment. I called Loan Care and they told me to have my bank send proof of the electronic payment so they could find the funds and transfer them to my account. I did that, and thought it was taken care of on XXXX XXXX, 2015. I received another call from Loan Care about 2 weeks later saying they had not received payment. The customer service person took all my information again and said she would take care of it. I received another call from Loan Care on XXXX XXXX saying they still had not received my payment for XXXX XXXX and I was delinquent. I called my bank and we got on a XXXX way call with Loan Care. My bank sent Loan Care the information again and I was told it was taken care of and I would not be receiving any more calls from Loan Care, it was now in their hands because they knew they had the money, they just had to find it. I was also told I would not receive a late fee because they had the money. I just got another call today saying they have not received payment and I have a late fee of about {$45.00} due. I 'm now on the phone again with them and on hold. As I sit here and wait, I started reading reviews on XXXX. Every single review is the same as mine. This is ridiculous!! I have spent hours on the phone with them, and they have my money!!! This company needs to be looked into. It seems to be common practice for them. How can they receive money and not investigate where it goes when it has an incorrect loan # on it. There is only XXXX address associated with the account. I just got off the phone and they once again said they have escalated the issue to a supervisor and they will get back to me in 3 days. I 've been told this before and nothing has happened. I 'm hoping that by sending this complaint my issue will soon be resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi I have an account with Franklin First FinancialIn Late XXXX I Paid two months mortgage payments in advance and I was instructed that to get refunded the additional payment made in error I would have to grant them access to deduct another mortgage payment which in turns means I will be immediately refunded. 
Unfortunately the last response provided from the Mortgage company is that they owe me no funds. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had XXXX on XX/XX/XXXX. After paying over {$2000.00} out of pocket for the different XXXX supplies, etc., I received a bill from the hospital for $ XXXX. I contact XXXX about the bill and found that XXXX denied the claim for 'lack of medical records ' on XX/XX/XXXX. An 'EOB ' was generated on XX/XX/XXXX. The same claim was adjusted for payment on XX/XX/XXXX. Another EOB was generated on XX/XX/XXXX. The same claim was adjusted on XX/XX/XXXX, but there was no change in payment, so no EOB was issued. The claim was again adjusted on XX/XX/XXXX, but again no change in payment so no EOB. The claim was adjusted again on XX/XX/XXXX which reduced the payment XXXX paid from {$2700.00} to {$1900.00}. Even though there was a change in payment, NO EOB was generated. This entire time, XXXX kept advising me to pay my copay of {$45.00}, which I promptly did. XXXX specifically told me not to pay the hospital any other amount. Because of this nightmare, the hospital sent my bill to a collections agency. Not once did XXXX contact me to advise of their mistakes when processing the claim. I only found out about this when I began receiving calls, up to XXXX times a day, from the collection agency. The hospital was tired of waiting for my insurance to straighten out their errors, so they sent the original bill from XX/XX/XXXX to collections. Now, my credit rating has been effected and I am constantly receiving calls and letters for a claim that has been adjusted numerous times. I do n't even know where to start. I have begun the process of filing executive complaints against the insurance company and the hospital for failing to process the adjusted claims. I have also submitted a verification of debt and request for all correspondence in writing letter to the collections agency. I have also initiated complaints through the Consumer Financial Protection Bureau, the Florida State Attorney General, and the local XXXX. This company is ripping off consumers and hoping that people get fed up with the complicated processes and just give up and pay an incorrect bill. Disgusting. I want XXXX to admit their error, contact the hospital to pull back the debt from the collections agency and correct the claim at the hospital so that I can receive a correct bill for my surgery, performed over a year ago, pay the bill and be done with this nightmare. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to do a home loan modification and I have repeatedly informed Bank of America that I am XXXX and need assistance in completing the modification. They have ignored my request and are going to foreclose on my home. I am elderly and XXXX and have no where to go and no way to get there. I believe bank of America has always planned on foreclosing on me because I am elderly and XXXX make me an easy target for them. My Bank of America home loan # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Person contacted me on my cell phone- i asked her not to call me on my cell phone and ended the call- she then contacted my office phone and asked me to transfer her to HR - I can not do that since I work from home but gave her the number. She called HR and told them who she was and that she was trying to collect a debt that I refuse to pay. 

I have payed this debt and have receipts but they continue to " collect '' on it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I first started working with him back in XXXX because he said that my husband and I would qualify for the XXXX program. This was a complete lie. XXXX knew that I was working with other lenders, so he sold us on the product that we never qualified for. He waited a week before we were going to close on the house to tell us that we did not qualify, and that we had to come in the double the amount at closing and go with a product at a higher interest rate. This is a bait and switch. Not only is this unethical it is illegal under the Unfair or Deceptive Act and Practices. XXXX XXXX also tried to have us lie on the loan documents for the XXXX program. After he realized that my husband and I made too much money her called me and told to send him additional names because my household size needed to be bigger.Another issue I had with XXXX was in regards to the appraisal 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I believe this account to belong to my father who is a XXXX and I am a XXXX as I have not lived in that state or town since 2011 

Company response: Company chooses not to provide a public response
Consumer complaint: I was recently informed by a potential mortgage company that there is a judgement against my husband for over {$4300.00}, it was filed on XXXX XXXX, 2008 by CACH , LLC for XXXX Bank. We were never served any papers or notified. I tried to locate who to speak with regarding this but all the trails are dead ends, XXXX bank is out of business & the number I was given to call said I won a cruise. It was filed in a civil court in a town I do n't live in. 

Company response: Company chooses not to provide a public response
Consumer complaint: I set up Citi credit card auto pay online as the site allows you too. I did this first time and they never took out my payment through auto pay which made my account late so I tried again online. Still did n't go through and i was late again. I did n't know it was late until they called me multiple times to let me know. Told them I did auto pay. They said It does n't show on the account and then I said it should because I did it XXXX online and they asked that I set it over the phone with them. That they recommend I do it over the phone because of issues of setting it up online. So, I set it up with them and they confirmed and I even received a letter saying I was enrolled in there autopay and the citi card rep over the phone said I now have auto pay and the payment will be taken out the checking account for the next statement. I gave at XXXX XXXX XXXX. My complaint is why is n't there autopay working online or over the phone? Because of this I have been late on my account XXXX months in a row because of CITI is not honoring there autopay agreement and not processing my payment for auto pay. By them not doing this it has cause me to be late and have accrued late charges every time. Not to mention my credit score and credit reputation with Citi. I urge Consumer Finance to please investigate to see if anyone has had issues and investigate there business practices. How do I know there not trying to make me late to up my APR percentage or/and identity theft from their Citi representatives who have all my account information over the phone and the auto pay still did not work. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried for over six months to modify my loan and in the end it was denied for excessive debt. I have an adjustable rate loan which is 2 % above current rates. They refused to even lower it to todays market rate which would have made the loan a lot more affordable. In addition, it is still an adjustable rate loan which can change every year. They did nothing to help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Name : XXXX XXXX XXXX, Phone : XXXX email XXXXXXXXLoan is with Wells Fargo Loan Number XXXX, Please help, I have health issues that have put me in a position where I have lost my job and I am now on XXXX. I have been trying to speak with someone at Wells Fargo to postpone the sale date to do a short sale or deed in lieu. Been passed around from the preservation specialist, to liquidations, To the re-entrey dept back to liquidations. On the phone at least for the past XXXX hours. Now one has any answers on who can help get it postponed to do the short sale or deed in liey. Please help. Times is of the esssence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have opted out of credit card applications being sent to me in the mail but certain outfits ignore or do n't use the service and send me applications anyway. The latest is Bank Of America, which is a low life outfit from previous experience of them XXXX my son! I would n't give this outfit the XXXX but they insist on sending credit applications. Is there a magic number or email address that I can send a correspondence to express my never wanting a thing to do with them? Please let me know if there is any recourse available to the FTC sanctioning this outfit with a fine or other penalties? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am working w/a HUD Approved Counseling Agency to get a modification on my mortgage w/Wells Fargo. The following has transpired : 1. HUD Agency submitted all required documents to Wells Fargo, via faxed on XXXX/XXXX/15 - we have a fax confirmation showing delivery. 
2. On XXXX/XXXX/15 I received a letter from Wells Fargo with a copy of the " Third Party Authorization & Agreement to Release '' that was provided to them by the HUD Agency stating, " we are unable to identify/process the attached request due to the reason ( XXXX ) indicated below : Please provide the last XXXX digits of the borrower 's SSN or tax ID. 
XXXX. On XXXX/XXXX/15 I hand wrote the info onto Wells Fargo 's letter & faxed it them, as requested. We have a fax confirmation showing delivery. 
XXXX. As if XXXX I NEVER received a letter from Wells Fargo acknowledging receipt of my modification request and/or if I was approved or denied for same, as required by law. 
XXXX. On XXXX/XXXX/15 the HUD Agency called Wells Fargo - XXXX XXXX, & was told they DID receive the docs on XXXX/XXXX/15, BUT it was denied because they " thought '' the documents were in response to an appeal - I NEVER FILED AN APPEAL as I NEVER accepted the offer made because I was working with the HUD Agency XXXX Wells Fargo was aware of this because I called them and told them. XXXX XXXX assured HUD Agency the file would be passed on to the " reentry department '' for consideration. XXXX XXXX told HUD Agency Wells Fargo would contact me directly. 
XXXX. On XXXX/XXXX/15 HUD Agency refaxes same documents but included updated paystubs & bank records just to be safe. We have a fax confirmation showing delivery. 
XXXX. On XXXX/XXXX/15 I received a call from XXXX in the " reentry division '' @ Wells Fargo stating she needed more information from me. When I called back, I spoke with XXXX ( I was told she did not know who XXXX was XXXX & XXXX said that " my request for a modification was denied because I failed to make the trial payments. '' I told her I NEVER agreed to make any trial payments because I was working with the HUD Agency. XXXX said she knew NOTHING about a HUD Agency & that Wells Fargo did NOT have any paperwork from a HUD Agency. She also said that it did not matter because " I could not now be considered for a modification because I failed to make the trial payments & that they will begin foreclosure on my home. '' I asked XXXX to put me through to someone in the reentry department and she had no clue what I was talking about. I told her about the message that XXXX left me stating that Wells Fargo needed " more information '' but she said she could not help me - my modification request was DENIED. 
8. As of XXXX/XXXX/15, I STILL have never received a letter from Wells Fargo acknowledging that the HUD Agency is involved or that they accepted or denied my modification requested based on the HUD Agency 's involvement. 
9. Wells Fargo has violated the law relative to the HUD Agency 's involvement & for refusing to consider my request for a modification and/or by not notifying me, in writing, of same. 

Company response: Company chooses not to provide a public response
Consumer complaint: This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: They call using a different number sometimes.they call everyday sometimes 3-4 times a day. I asked them to stop with repeated calls .they said they are in their right by law to make repeated calls til debt is collected.I asked if I submitted a letter to cease the constant calls would they then stop. I was told yes but then I would be sued immediately. I told them what hours my kids go to bed to please refrain from calling past XXXX if they felt they must call and if I had to tolerate the constant calling to keep from being called. I was informed they were in compliance with the law they could call me anytime they wish between XXXX and XXXX, I have a few bills on my self and my husband and could receive calls on each separate account that it was legal to do so.my daughter used my address so I now receive calls on her. I told them she does not live here. I was informed til they had a working number and proof of her address I would be receiving those calls.my daughter was homeless at the time bouncing from home to home giving my home number was for emergency contact only not for billing calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm on XXXX, when I finally won my case I needed a bank so I can have my checks directly deposited. I opted for a Netspend card, I thought I had researched it, but apparently not. The check I received from XXXX was {$75000.00} I had made some Purchases, then I noticed money was disappearing, charges were made from XXXX for a cell phone unlock thing. I do n't have a cell phone. Double charges, That was how I noticed I was being ripped off. I contacted Netspend, nothing, they hang up on me, tell me lies, I come to find out that its an offshore call center. The first thing they ask you is your SS #. There is so much to this., We finally got somebody from Netspend in the XXXX to talk to us, but then he gave us the run around. Lied to us, did absolutely nothing to help. He even said he would send me a copy of my account info, when he did they charged me {$5.00} for it. Bottom line is I 'm missing at least {$20000.00}. My family and I spend a year homeless because of my XXXX, we 're about to be there again. I need my money. All I want is my money back. If you check online on how many complaints there really are on this company, in the last month alone, its crazy and wrong. This company should not be in business. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm an XXXX representing a gentleman who has a mortgage with US Bank. The home went into foreclosure XXXX 2014, 20 months ago. Twenty months ago. The home is no longer in foreclosure because the lender has failed to prosecute the foreclosure. The lender does not even realize that it is *no longer in foreclosure* due to its own delays. My client and I spent XXXX minutes on the phone with US Bank today. We were transferred many times, asked the same questions many times and, in the end, told that it could not assist us. It referred us back to the foreclosing attorneys with whom we spoke yesterday. The foreclosing attorney noted that it had no information on the property other than the fact that it was in foreclosure. It is *not* in foreclosure. US Bank took too long to prosecute the foreclosure and the Public Trustee removed it from the process In Accordance With The Foreclosure Law. All my client wants to know is what does US Bank intend to do? Instead US Bank insists that the property is in foreclosure and has referred me to the foreclosing attorney. Truly going round in circles here and both the foreclosing attorney as well as US Bank are well aware that it has engaged in a run around with my client. Consumers should not be treated in this fashion. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CO XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, XX/XX/2015On XX/XX/XXXX I sent you this complaint with photos and other evidence. You sent me an answer but not a number or any other information. I am sending you just the letter and hope you give instructions to go on. Thank youConsumer Financial Protection Bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2015XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX. 
located at XXXX XXXX XXXX , XXXX, XXXX XXXXRe Claim XXXX Lexus CT 200H Lease # XXXX Aptrack # XXXXThey claimed the bill was for repairs when I returned a leased 2011 Lexus CT 200H. 
XXXX ( parts ), XXXX ( body labor ), XXXX ( paint labor ), XXXX ( paint supplies ) and XXXX ( body supplies ). The total was {$4.00}. 

I protested and XXXX lowered the charges to {$2.00}. XXXX to be paid in in three installments of {$890.00}. I finished paying XX/XX/XXXX. 

There was the arbitration option that I could not take because I had several tripsahead of me. XXXX had threatened to hurt my excellent credit history. 

I am still very upset because the car had been inspected by an expert from XXXX just before I returned it and he noted on his report ( enclosed ) : " car condition : " EXCELLENT ". He also took pictures ( enclosed ). 
I had made all the repairs recommended by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount estimated by XXXX. The check from XXXX was sent directly to XXXX XXXX. 

The car had only XXXX miles on it. XXXX never gave me any credit for wear and tear nor for the low mileage. 
I have leased cars in XXXX for 21 years and was never charged more than few hundred dollars for repairs when I returned them. 

I am not sure if you can do anything for me but I am sure that I am not the only victim of XXXX 's abusive charges. 

Thank you,XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted an original creditor ( XXXX XXXX ) to pay a debt. The creditor told me the amount owed and I paid it. I was told that my debt was paid in full and I was not responsible for any other amounts. I have record of this conversation and the payment. That creditor then sold some other portion of the debt that I, believing the debt was paid in full, was not informed of and not given the opportunity to pay, to a collection agency. The original creditor acknowledges their representative made a mistake ( according to the supervisor I spoke to, the representative I had talked to misquoted the amount I owed, leaving me with an unpaid balance ) and that I had every reason to believe the debt was paid, but offers no solution other than for me to pay the collection that was unfairly placed on my credit report. I know that simply paying the collection will not remove it from my credit report and it will remain for XXXX years even after payment. I feel there has been some violation of rights here. Can you offer any advice? 

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