AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX 2015To : XXXX/Wells Fargo Home Mortgage XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Case # XXXX, Loan Number XXXXVIOLATION OF PREDATORY LENDING1.Failure to present the loan Rate as first Negotiated by your ServicingAgent. 

2. Loan " flipping '' - frequent refinancings that result in little or noeconomic benefit to the borrower and are undertaken with the primary orsole objective of generating additional loan fees, prepayment penalties, and fees from the financing of credit-related products ; 3.Refinancings of special subsidized mortgages that result in the loss ofbeneficial loan terms ; 4.Using loan terms or structures - such as negative amortization - to makeit more difficult or impossible for borrowers to reduce or repay theirindebtedness ; 5.Using balloon payments to conceal the true burden of the financing andto force borrowers into costly refinancing transactions or foreclosures ; 6.Targeting inappropriate or excessively expensive credit products toolder borrowers, to persons who are not financially sophisticated or whomay be otherwise vulnerable to abusive practices, and to persons who couldqualify for mainstream credit products and terms ; 7.Inadequate disclosure of the true costs, risks and, where necessary, appropriateness to the borrower of loan transactions ; 

Company response: Company chooses not to provide a public response
Consumer complaint: Cooper, Hoffman, Klein and Associates contacts me multiple times a day leaving threatening voicemails regarding debts and bank accounts I have never had and do not owe on. Every call that is made, a different case number is given. When I contacted the company, I was threatened with legal action and prison if I did not pay although the representative threatening me can not supply any evidence of a debt owed. When asked for address to come to the company to discuss, I am given the run around. Representatives of this company have contacted me falsifying themselves as actual XXXX XXXX Process Servers stating that they are employed by the XXXX XXXX Police Department. Each time this company calls, it is under a different phone number with a different representative, with a different case number regarding a variance of criminal offenses that I have not committed. This company has threatened to garnish my wages, sue me, come to my home, and have me sent to prison. All searches for this company only show as being a fraudulent company attempting to squander money from innocent people where it is not due. Cooper, Hoffman, Klein, and Associates do not have a website. They are not affiliated with XXXX. They are a complete scam and do not stop harassment at any cost. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have been with XXXX citibank for over 15yrs in XX/XX/XXXX i was scammed of $ XXXXI contacted the company in XX/XX/XXXX and asked if i would be able to have the interest changed to interest free as part of being a loyal customer i thought they would comply, if i was a new customer they would give me a balance transfer for 12mths with 0 interest. they told me that i could apply for hardship and have the balance 0 % for 2mths i said i did n't want that. they said they would send me the paperwork in the mail. I inquired about the interest rate and was told that it was 12.99 % I made {$200.00} payment in XX/XX/XXXX as per the statement due and {$600.00} payment in XX/XX/XXXX which was above the minimum payment. in XX/XX/XXXX my minimum payment on my statement was {$760.00} I rang them to inquire as to why the hike in repayments and also for the interest charged prior retail of {$370.00} and a {$200.00} interest I was informed that I had not made the necessary payments in XX/XX/XXXX. I looked at my statement and the minimum payment was {$200.00}. they then told me it was because I had not paid out the loan within the 55 days the interest would then go to the higher amount of 21.74 % and the interest would be back dated I stated that I had not been told this information when I had originally inquired about the interest rates in XX/XX/XXXX which was 12.99 %. I was then told that they would waver the {$570.00} and this would be on my next statement. I inquired about closing my account and what the payout fee would be. the amount i was given was {$18000.00} minus {$570.00} being {$17000.00}. the lady told me that she would waver my annual fee if i stayed with them as i was such a loyal customer I chose to do that I then made this payment of {$17000.00} on XX/XX/XXXX thinking this was the end of it, until I received my XX/XX/XXXX Statement whereby I still owed {$470.00}. I rang too inquire why this was so as the payout figure was given to me they told me that i was given the incorrect information as on XX/XX/XXXX the reversal had taken place and the lady had given me another {$570.00} of the total amount. I stated that i had rung on XX/XX/XXXX which was 3 weeks after the reversal and they did n't have the correct figure. the lady said yes that is correct. she had made the mistake and given me the wrong information. I stated that that was her fault not mine and she said that I was still liable to pay the {$480.00} as the payout figure. I said that i want to close my account and do not wish to have any more dealing with the company as i have had nothing but heartache from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to dispute a billing error in the amount of {$2600.00} from Citi Credit Card that appeared on my credit report ( XXXX ). The amount must be mistake because I called the Citi representative to find out about this charge, but they were not able to find any account information under my name or social security number. This could possibly be a fraud and has caused damage to my credit. My family we 're trying to get a loan to buy a house and not able to because of this. I tried calling Citi Bank and Citi Credit Card, they provided me fax numbers to send in my disputes but both numbers do not work. They said only fax and no email for the disputes. I am unable to get through them. This is why I come here to your site for help. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX, I emailed a letter to Regional Acceptance telling them to stop calling my place of employment. I followed up with a phone call stating the same. I was told that my work telephone number would be removed from their system. I provided XXXX alternative phone numbers to reach me. Regional Acceptance continues to ignore several requests made by me. " XXXX '' a Regional Acceptance employee called my employer in an attempt to reach me on XX/XX/XXXX. I have a copy of the email I sent and a recording of the last phone call received after the company was told to stop calling. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our mortgage service provider is Ditech ( formally Greentree ) and we fell behind on our mortgage and had to resort to a Chapter XXXX Bankruptcy filing in order to remain in our home. We then applied for a loan modification after reaching an agreement with the bank and the courts about our repayment program. During the loan modification request process Ditech continuously gave us the runaround by claiming we were missing documents, and then when we would send the missing the documents we were being told they had n't been received. Each time I would call and ask for a name so that I could call to follow up the fax I was making they would n't provide us with the persons name or position with the company. That led to me filing a complain against them with you - Case number : XXXX. We are now being retaliated against because of that complaint. We have been working with a non profit group out of XXXX XXXX called XXXX XXXX XXXX, and our contact is XXXX XXXX XXXX who can be reached at XXXX XXXX to verify what I am about to tell you. Ditech told us ( and XXXX ) back in early XXXX that our request for a modification had been approved, and that it had been sent to underwriting for the finishing touches. They also told us to hold off on our XXXX Mortgage payment because the new mortgage with the new dollar amount would take effect. Then they received notification of the complaint I made against them, and now they refuse to give us any type of answer XXXX way or the other. Each time we call we are told it 's in underwriting and no other information is available. It 's clear to me that this is retaliation and they have no interest in working with us. By telling us to hold off on our mortgage payment we are now in default with the Bankruptcy trustee and our Chapter XXXX plan is being dismissed by the courts which puts us right back into foreclosure. They lied to us and to our representative about our modification status and by instructing us to hold back on our mortgage payment have put us in default. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This creditor is harrasing me at work. They are calling my children repeatedly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wanted to get in contact with you guys because i were tryana to open up a checkin account with my bank and i couldnt becasue someone messed uo my credit getting things in they name steal my idenity. I just turn XXXXyears old XXXX XXXX. 2015 theres no way i could of got things in my own name i was a minor at the time they got things in my name i need my credit score cleared. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continued calls, they will not leave a message, No one there if I call back. I had to search the internet to see who they are. I do not know of any debt that I have that is outstanding. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called the company for a balance on a current debt that I was paying off because they did not update the computer and my online account said that I still owed the full amount. Upon calling, the representative said I had another account. I told her I did not know about that account and she said it was probably because the bill was sent to an old address. Although, the company has my current address, I updated my address with them. After hanging up, I realized that the address they sent the bill has someone who will hurt me if she finds me living there. I called back and asked why they sent the bill to an old address when they have the current address on file. She told me that they did not send the bill and that is not what the first representative said and that all calls are recorded. I told her my lawyer will be subpoenaing that record. She said she was going to get a supervisor. The first girl got back on the phone and tried to tell me that is not what she said. I tried to tell her that she did say that. The so called supervisor got on the line and told me that they can not control when they get bill. I told him that was not the issue. The issue is that they sent to the wrong address when they have the correct one on file. Also, that they put my life in danger. He tried to argue. I told him that my lawyer will be subpoenaing the records. He said get your lawyer and hung up. I called CFPB and the representative told me a few things to protect me against scams. I called back later without giving the representative any information and asked for their license number. At first, she told me she did not know what I was talking about. She put on hold a couple times. Finally, she told the company did not have one. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They call repeatably/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I decided to work on my credit report. I saw that Aspen Collections was on it for a debt I thought was taken care of. The company no longer sent me any bills, no longer tried to contact me, since 2010. 
Credit reports shows that it is still in collections. I contacted Transunion directly and filed a dispute. When I was notified that the dispute was resolved I see that the balance trying to be collected had increased from {$200.00} to {$310.00}. What?!! Obviously my attempt to clear this up, backfired. Now what can I do? Is that legal? Why did the amount increase? Help? I have since filed a request for investigation with XXXX XXXX. It appears that absolutely nothing was done. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They have people who have tried to act like they were someone else and not who they profess to be. People are very rude and not very ethical when they are talking to you 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Will not disclose information needed to settle medical bill. 

I have been contacted by RMCB regarding services rendered at XXXX. 
I have requested information regarding this claim to no avail. 
We have medical insurance that will cover this. 
If they are not able to submit the claim, they will need to provide me with all the information needed to do so. 

Thanks and XXXX Bless You 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an 18 month old manufactured housing mortgage with US Bank. At the end of XXXX they notified me of an escrow adjustment of {$2700.00} for taxes ( the first year and the next year ) to take effect XXXX/XXXX/15. This took my monthly payment from {$430.00} to {$750.00}! 
I promptly called the bank to alert them to a problem. I received the phone tree run around for 70 minutes. I explained to a Senior Banker XXXX that the amount was horribly inflated. My tax estimate last XXXX was {$880.00}. I also explained that the tax bill had n't yet been issued. She informed me that they got their information from my taxing authority and that I would n't see a bill and that the numbers were correct ( at best all incorrect or at worst lies ). 
A week later I received my tax bill and it was a few dollars less than the XXXX estimate. I sent a copy of the bill and relevant correspondence to the address the bank provided asking for a prompt adjustment. 
On XXXX XXXX I again called the bank. This time a chirpy Customer Service Rep informed me that there was a note on my account about a {$500.00} difference between " their estimate '' and the actual charges. She told me an investigation was underway and could take up to 90 days. She also informed me that I needed to pay the inflated amount until I was notified differently. She also added that I would receive any overpayment back in a " big fat check '' in XXXX. 
I 've continued to emphasize to the bank that they should not have made such a gross over estimate a week before the actual bill was to be received. I 've further stated that while I 'm sure the matter will ultimately be resolved it is difficult to pay the large, incorrect increase out of a retirement income! 

Company response: Company chooses not to provide a public response
Consumer complaint: The client 's mother passed away. She provided the death certificate and deed showing that the house was in her name. We asked for an assumption and modification of the loan. It took Wells Fargo months to even code that the borrower had died and they refuse to accept the deed as proof of ownership and pursuant to the law provide an assumption. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is over 10 years old and should not be on my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: FMS Collections is harassing XXXX of our deposit customers over a duplicated mobile deposit check item that had already cleared customer 's account. 
Our consumer paid a common laborer XXXX XXXX XXXX XXXX {$180.00} for labor. XXXX XXXX deposited this check by mobile deposit with another bank ( XXXX ). This item cleared consumer 's account at our bank. Later, XXXX carried the original check to XXXX and cashed it there. Our bank returned the check as a duplicate item. XXXX referred it to FMS Collections and who has been harassing XXXX XXXX. They refuse to talk with our bank with our consumer present to try and resolve the issue. Our consumer does not owe XXXX the money. XXXX does. XXXX has since been arrested and jailed on other financial crimes with other citizens and bank. Our consumer was unable to get any assistance with XXXX since XXXX is the party that has the original claim against our consumer. It is only {$180.00} but he should not have to pay the item since he does not owe nor should XXXX XXXX Bank have to pay it. Thanks 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have ( XXXX ) 0 % with ( XXXX ) different date that they mixed up and now send statements with the ( new one ) due on XX/XX/XXXX. Should be XX/XX/XXXX. They are telling me their ability to correct this is not possible because they have a problem with their ( system ). They only tell me this on the ( phone ) and will not send me a letter acknowledging their error. They do not print the amount next to the promotional offer ID on their statements. ALL OTHER CREDIT CARD COMPANIES DO. 

Company response: Company chooses not to provide a public response
Consumer complaint: In, XXXX, I had my XXXX XXXX XXXX repossessed. Wells Fargo Dealer Services let me know I was almost 2 months behind in payments.I had discovered that I had missed a payment in XXXX, when I was in XXXX XXXX, tending to my terminally ill father in law, who passed away in XXXX of XXXX. I was unaware of this until my car was repossessed. My husband immediately paid the {$1500.00}. which was due, withing a day, and the car was returned to us. After that, we continued to make our payments, until it was finally paid off in full in XXXX of XXXX. I do have the title in my possession. Recently I started to clean up my credit, in order to purchase a home. We recently found that this repossession was on my credit report, and also says {$10000.00} is still owed, which it is not. My husband called Wells Fargo, to get this taken off my credit, but was told that we couldnt, because my husband filed a bankruptcy. Creditor refuses to update trade line to show paid in full.. My husbands name is XXXX XXXX , and I am XXXX XXXX . 

Company response: Company chooses not to provide a public response
Consumer complaint: Called my Human resources dept on XX/XX/XXXX, told them I needed to contact them and needed to serve me paperwork at work. My HR rep told them they are not allowed to serve me paperwork at my place of employment. I then called the number back and they told me, XXXX XXXX was name of person, that she was a Law firm, garnishing my wages and faxing paperwork to my employer to do so,. They said it was a " charged off " debt from XX/XX/XXXX with Continental Finance. I asked for their address of business, she refused, said she had to protect their employees, I asked for a copy of the paperwork she was referring to or a copy of the debt, she refused. She then began screaming at me, tells me she could force me to sell my house for the debt and I would loose my house. She said if I called her back she would sue me for harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call on XXXX/XXXX/15 to my cell phone from RS Clark, they requested to speak with my wife. I got her onto the call and the representative gave her full date of birth and asked her to agree or disagree if that was her. She provided them permission to speak with me. I asked them to provide validation of the debt owed, they stated it is over a year old. I was told I would have to put any requests in writing and that they would mark the account as a refusal to pay. I informed them that I was not refusing but wanted verification on what was owed. The agent ended the call. I called back in and spoke with a supervisor. I was told they would not request information from the XXXX XXXX XXXX XXXX. I was told this would be reported on my wifes credit. When I asked specifically if they reported for XXXX XXXX XXXX XXXX, she would not say Yes or No. She would only say they are " a credit reporting agency ''. I was placed on a long hold, when she returned, I was informed they would no longer speak with me and they were ending the call. I asked again regarding the credit reporting for XXXX XXXX XXXX XXXX, and again they refused to answer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have issues with the transaction of my Mortgage. I attached a formal grievance letter stating the areas of concern regarding the transaction of my mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was never contacted about this debt even though the original vendor ( XXXX ) and the agent had my telephone information and my email address. The Agent simply " flagged '' my Credit Report adversly impacting my score. The Agent advised that they did not have the responsibility to attempt to contact me and that if I did not pay the bill they would continue to adversely impact me credit score. I advised them that if they had contacted me I would have paid the bill. In fact, I contacted XXXX and paid the bill. 
Without going through proper, professional business practices, this agency is using it 's ability to adversely impact a consumers very important Credit Score to extort payments from customers 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been contacted by debt collection agency by telephone for months for a debt that is not mine. They are looking for someone who does not live at this address or phone number and never have. I told XXXX people from the agency that noone here lives by that name and they keep calling. 
The phone number is XXXX XXXX The company is : Atlantic Credit and Finance XXXX Inc XXXX 
XXXX XXXX XXXX XXXX XXXX, Virginia XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi bank was charging expedited payment fees on my delinquent accounts. I paid the fees after they said it would remove any negative affects from my credit reports. I sent in the check payable to Citi through their debt collection company. I was told this would be removed from my credit reports. Citi should have this removed! 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo had withdrawn all of my personal accounts without my concent. They took over XXXX just in my personal account funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am seeking your help diligently because I was denied a job for a background check. The hiring manager claimed everything was a go and I did the drug screening, fitness exam, and even a XXXX physical to find out later on that human resources denied my employment. I applied to be a XXXX for XXXX XXXX who in turn used ASURINT ( background company ) to run a background. After being denied because of this, I researched and found out that ASURINT should not have gone back further than 7 years into my past especially if the jog was going to pay less than XXXX per year. XXXX things based upon my preliminary research. 1. ) Background check : 7 years back ( 2 ) Makes less than XXXX per year. I thought E.E.O.C., F.T.C., and you all had rules in place regarding hiring people. 

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