AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: So I started working with Citi over a year ago, as detailed in another complaint. After extensive back and forth where they asked for my paystubs and bills, they eventually decided that they would not help me refinance. They have said they pre-approved me for short-sale, but wo n't help me stay in my house. 

This seems such a waste to me. I finished my XXXX, have a good job which would let me pay my mortgage ( I make XXXX/year doing regulatory compliance ), and rather than work with me to get out of foreclosure, so I can keep my house, and pay my mortgage, they insist I leave. To sell the house, I would have to get Title V approval, and possibly build a new septic system. Why I would invest more money into a house that I am just going to have to leave is beyond me. 

I do n't really want to declare bankruptcy and see if a bankruptcy judge would approve a new mortgage plan. I do n't want to invest further in a house I ca n't keep. It just seems such a waste. Sure, to refinance they would probably have to write some of the debt off, as I am already underwater, but that money is gone if they foreclose anyway. I honestly do n't know what else to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am getting constantly harassed by a collection agency from the number XXXX, they have even contacted my ex wife who I have been divorced from 20 years ago. This has to stop! 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt. 

Such documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase. 

They have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit. 

I have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt. 

This company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent all documents to Experian ( XXXX, letter from XXXX, etc ) on XXXX different occasions. They have failed to correct the balance to XXXX. 
This has been corrected and cleared from my husband 's account due to consumer finance efforts his case number is XXXX. And for this we thank you. Now, your help in this matter is greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company Ditech began charging me a late payment charge last month that they had not previously charged. I rely on my monthly Social Security payment to pay my monthly mortgage, and I do not receive my Social Security payment of {$2500.00} until the third Wednesday of each month which means I do not pay my mortgage payment of {$1300.00} until after the XXXX of each month. Last month they harassed me with about seven phone calls, and I finally answered and told the woman to quit harassing me because I could not pay before I received my Social Security. This month, Ditech decided to begin charging me a {$26.00} late fee monthly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My loan was modified with XXXX XXXX XXXX and recorded with the county. XXXX XXXX XXXX sold the servicing contract to Green Tree Servicing. They unlawfully added {$3000.00} to my total loan balance under the title : 'Corporate Advance Balance ''. They further did not respect the modification terms that were concluded and signed with XXXX XXXX XXXX. They have since charged lots of unlawful charges in order to acquire that {$3000.00} charge. Now the loan has been transferred to Ditech who is essentially the same company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided. 

Company response: Company chooses not to provide a public response
Consumer complaint: They use terrible practices when trying to collect pass due payments. You advise them about paying the past due amount and they tell you " no you owe me double the amount '' but my next payment will not be due at that present time. They leave unprofessional voice messages and threatening messages, they sent emails to my job after I told them not to contact me at my job. I choose not to speak them because they are not willing to help. They have employees trying to hit there monthly numbers regardless what it takes. I will seek an attorney for these unprofessional practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: they closed my account because im XXXX which a federal lawsuit is being prepared and about to be filed against them but they have no sent me my money there holding my money and wont tell me when there sending my money 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a Bankruptcy Item on my credit report with TransUnion twice. However, they continue to report this item as belonging to me. And the tell me to contact the Bankruptcy Court about the item. Yet, when I call the XXXX Bankruptcy Court XXXX tell me that they are not reporting this information to TransUnion. Also, TransUnion has not provided me with any evidence that the XXXX Bankruptcy Court for XXXX is furnishing them with this information. TransUnion also told me that they hire private venders to gather this information from the Court. Therefore, TransUnion is furnishing this information as hearsay because the Court is not furnishing them with a Bankruptcy item. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian locked me out of the online dispute website stating that I was disputing frivilous information, on XXXX XXXX ACCT # XXXX. Back in XX/XX/XXXX it XXXX XXXX XXXX and the first date of DELQ. was XX/XX/XXXX. As you will be able to see by looking at the XXXX examples that I have submitted for supporting documents It is n't frivilous at all it is a valid claim and I would like the tradeline removed and a new updated copy of my credit report and score. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX has submitted XXXX inaccurate outstanding debts. I filed a dispute with XXXX. I have contact them numerous times for their " trip notes ''. What they submitted to XXXX and what the hospital claims on XXXX transport, are completely opposite. On XXXX XXXX, 2014, my home was burnt down. I did not call them, nor did I receive treatment. They never billed XXXX, which by law, they must do. They are billing me {$100.00} for showing up at the scene. The firefighters showed up as well, but they did something. I said I could n't have possibly called them because I was pulled out of my home while it was on fire. They stated, " Too bad, you are still responsible ''. I was appalled. For what??? Them to watch my loss??? 

On XXXX XXXX, 2014, they were called to my residence by XXXX XXXX Police. They stated that they transported me because I could not hear, although XXXX was billed for advanced XXXX ; incorrect. Again, no treatment was administered. Upon arrival XXXX, they stated that I was an XXXX was performed, XXXX but NO services were received or performed pertaining to my hearing. One date of service was either, never submitted to XXXX, because no services were performed, and the other was, as XXXX explained it to me, was billed incorrectly. Because the services stated were NOT received. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been getting 10-15 harassing calls a day from a collection company called Progressive Finance on my cell and house phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Fair Credit Billing Act 15 U.S.CXXXX NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) andOhio administrative Code XXXX XXXX Program ) XXXX Program sub section XXXX FAQ XXXX and XXXX, Consumer Credit Statutes, and subtitle D XXXX SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. Here is the list of account s belowThe bills was covered under progressive insurance of XXXX drivers of which I was a victim being the passenger XXXX drivers insurance and the hospital assistance charity program covered my bills the billing department XXXX and XXXX are members of the Ohio XXXX Association of which i am filing complaints against them because the bills was misdirected and appropriate to me because incompetent individuals who did not follow through on their duties of making sure that all of those who are rendering services was contacted with all information which caused my credit profiles XXXX to be harmed which is unlawful under HIPPA securities policies and procedures acts as indicated above the Ohio Department XXXX is be notified of this Gross Negligence and defamation of character against me due to incompetent individuals not performing their duties and discharging their office duties as promised at date of hiring. This account should have never made it to the collection agency but it did they have this account listed twice with zero balance and then the amountsXX/XX/XXXX XXXX and then ARS Account Resolution XXXX XX/XX/XXXX XXXXAlso they collection agency has XXXX offices listed with XXXX different credit bureaus XXXX which is illegal under the fair debt collection act you can not deceive an credit reporting agencies to make the alleged debt owed to be larger than what is owed XXXX debt but with XXXX difference agencies is fraudulent and deceptive to the consumer and is very harmful and because they are not here in Ohio this is malicious against my character which is defamation of character. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 at approximated XXXX ET, I attempted to receive my free annual credit report from TransUnion via XXXX. After accessing TransUnion 's site and verifying my identity, I was presented with a copy of my current credit report. I immediately clicked on the link to save a copy of my report as a PDF and was redirected to a page notifying me of an error. When I attempted to return to my report via the back button, I was told that the information was no longer available, and I was redirected back to XXXX. I then tried to re-access my TransUnion through XXXX, but was told that I was inelgible to do so since I had already " accessed '' my annual report. 

Clearly my access and ability to view and confirm the validity of the report was extremely limited based on an error with TransUnion 's site or backend systems, and I feel that I have not truly been provided with a report in accordance with FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Bank of America credit card is paid in full but they are still showing a blance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Victim of Identity Theft 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, I would like to initiate a claim against Bank of America Home Loans XXXX contact XXXX XXXX XXXX XXXX XXXX XXXX Manager ) for the following reason : - I refinanced a mortgage loan with Bank of America Home Loans XXXX 
- As requested several times, Bank of America Home Loans failed to effectively work with the title company and I didnt receive the XXXX until it was presented to me by the Tittle Officer at closing. 
- I will submit proof to this agency supporting my claim. 
- ( I have saved ALL emails / communications with Bank of America Home Loans, should these be required as part of your investigation ). 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the original contract with XXXX began. That date is XXXX XXXX, 2008. I have writtenExperian on numerous occasions to have them put this date on the account, and theyhave not done so. Please have them list this date as soon as you receive my complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a collection account on my credit showing it was opened in XXXX and it was NOT. The account was opened in XXXX or XXXX so it has been well over 8 years. I have tried to contact the collection agency in which this debt is placed and the number provided on my credit report for the agency does nothing but automatically hang up on me. This derogatory mark is preventing me from obtaining a home for me and my XXXX children. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a phone call the ATG credit to resolve a debt. They explained to me on XXXX occasions that they would be recording the phone calls. I expressed to them that I too was recording the phone call for my purposes. They immediately got angered and told me that according to the FDCPA I was NOT allowed to record them. I tried to explain to them that the Federal law states that one-party phone calls are authorized by federal law and they hung up on me. I have also just filed a complaint with the XXXX minutes before this complaint. If they wo n't communicate with me and they will not send me the documents how am I supposed to resolve this debt? They would not send me any documents because they claim they already did. I explained that i have not received them. I asked for E-mails but they will not send them unless they have a credit card number or back check number. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it may concern : My complaint is stemming from the credit reporting associated with a Citimortgage account # XXXX. This is a very unique situation because Citimortgage withdrew it 's interest in the property and issue release for the mortgage. This was done without them receiving a payoff. There were circumstances surrounding this account that ultimately made Citimortgage decide to relinquish its interest in the property. In addition to that, it was verbally mentioned to me that Citimortgage will also not respond to any type of credit bureau disputes regarding this account. I inquired about getting the account removed from my credit report. I was told by one of their representatives that I can get it removed from my report by filing a dispute with the credit bureaus. I was assured that given the circumstances surrounding this account, Citi will not respond to the dispute and the account will then be deleted and removed from my credit report. 
I followed the instructions that they gave me and filed disputes and I was displeased when the account did not delete from my credit history. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few years ago I was heavily solicited by a Wells Fargo mortgage consultant, XXXX XXXX, to refinance a rental property I own in XXXX. I explained to her on several occasions that I had no interest due to the changes in mortgage insurance ( 1.2 to 1.55 % for the life of the loan vs XXXX until the loan reached XXXX loan to value ). She continued to aggressively pursue me stating that I can do a streamline FHA and not change my MI. Stating, " There are a lot of people who are n't familiar with this guideline since there is very few people fit the criteria. '' On multiple occasions I explained to her that I do n't like surprises and to fully disclose. She specifically told me that there were no gotchas and once I reached XXXX loan to value I could call Wells Fargo and drop the mortgage insurance. 

A couple months ago I reached out to Wells Fargo to drop the MI and they told me that when I refinanced my loan that the time period in which I would be required to keep mortgage insurance was extended by 5 years. Thus, costing me XXXX of dollars. I have been fighting with them for months and they are unwilling to help until I threatened to contact you, CFPB. 

Here is my complaint:1 ) Had they fully disclosed the timeframe in which I had to keep MI I would have been able to make more informed decision. Likely would have written a check to get the loan to XXXX to prevent this or forgo the loan entirely. 

2 ) My original loan was with Wells Fargo and my refinance was also with Wells Fargo and mortgages are a very complicated financial instrument. How can we allow firms like this to do predatory soliciting that is n't in the best interest of the consumer especially post 2008? The mortgage consultant had access to my old mortgage and knowingly convinced me to refinance even though it was n't in my best interest - thats should be fraud. 

I have email that I have kept regarding this conversation with the Wells Fargo 's, XXXX XXXX, if needed. 

Company response: Company chooses not to provide a public response
Consumer complaint: The reason I am making this complaint is because I was working with my Lender Ocwen Loan Servicing to get a Loan Modification, and I was approved for a Trial Payment and after I made my first payment I was advised by my account manager that I was Denied due that I had already got modified under a Government Modification and they can not do a XXXX modification under the same program. I am not satisfied with this denial and I have proof that I was not given a Government Program the first time I modified. I am a XXXX Loan but did not get a Government Loan. Now I am getting phone calls from my Account Manager XXXX XXXX and he has been trying to collect all my default payments in XXXX large payment or else I am getting foreclosed. He placed me into this Foreclosure status because he took months to get me a resolution, got me approved, then got me denied. I want my Trial Payment approval as they offer me and to correct what ever mistake they did to my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Macy 's credit card since XX/XX/XXXX. I received a letter in the mail XX/XX/XXXX stating, " this letter confirms receipt of your written notice to reject the new terms contained in the change in terms notification of your Macy 's credit card account, since you have elected to not accept the terms, your account has been closed ''. 
I have never received a request to accept any new terms from Macy 's, and I have talked with XXXX different customer service agents concerning this issue. I was finally given another number to call XXXX. The agent at this number said she could n't help me, they were the department for delinquent accounts. I have always paid my Macy 's account on time and I am currently in good standings with them. I really need help. I was appalled from this letter saying they were closing my account without my permission, or giving me a valid reason. I have told the agents at Macy 's to send me the written rejection letter that I supposedly have sent them and I was told they could n't help me. Please if anyone from your office can find out if a fraud act has been committed and help restore my Macy 's account back to good standing. I have great credit overall and I am afraid this will cause a negative impact on my credit bureau records. 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiry conducted by XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry and this gross negligence on the part of XXXX employees is a serious breach of my privacy Act and in violation of FCRA Section 1681 b ( c ). 
I did not sign any written consent authorizing employees of XXXX to view my credit report for any purpose, thus, the inquiry was an illegal conduct. 

Company response: Company chooses not to provide a public response