AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to Hewitt Capital who had more information on the situation. XXXX, the representative for Hewitt Capital let me know that XXXX XXXX XXXX was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing Hewitt Capital in a civil suit being levied against my by XXXX XXXX XXXX. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My wife and I have a home loan and a home equity loan with Wellsfargo Bank. For more than 2 years now, Wellsfargo has refused to allow us to combine the XXXX loans for a lower payment. We bought the XXXX bedroom townhouse in 2007 when we only had XXXX child. 3 years a go we had a XXXX child and needed to move to a bigger house and a better school district but we could not sell our undervalue house. Wellsfargo refused to work with us so we went ahead and bought a different house and got the mortgage with a different bank and the old house is now a rental property. We are renting the house at a reduced price and have to pay off the remaining balance out of pocket to Wellsfargo every month and yet Wellsfargo refused to work with us because the house is worth less than we owe. I know that they sold XXXX of the loans that we were able to refinanced to the government after we refinance it to 4 % and kept the loan that is at 9.75 % interest rate and absolutely refused to let us combine the XXXX loans into XXXX. Our savings are depleted and the tenants are planning to move out which means we will be stuck with paying XXXX mortgages again, we can not afford that. We have XXXX children aged XXXX, and XXXX and a car payment. I hope CFPB can help us with resources or advocate on our behalf to Wellsfargo so we can get out of this financial hole. We are trying to do the right thing but very soon we will not be able to even do the right thing, and that will means we will have to default on the loan. We would rather not default on the loan but that may be the only choice. 

Company response: Company chooses not to provide a public response
Consumer complaint: payment are not bein applied as should. Threaten phone calls. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My bankruptcy was XXXX/XXXX/09. Should n't this now be off of my credit report? 

Company response: Company chooses not to provide a public response
Consumer complaint: To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: BARCLAYSBK ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am running into filing a dispute with Wells Fargo Credit Card Services. I filed a dispute with them XX/XX/XXXX via the only method they allowed, fax machine. I called their primary phone number in XX/XX/XXXX to follow up and was told that I must wait 60 days to follow up. I called in today they have no record of my claim. I asked to speak with someone in the credit dispute department and was informed that is n't allowed, they only allow internal communication. It is unreasonable that the credit reporting department for such a large company does n't allow any access for consumers to contact them directly. My only alternative now is to submit my claim via fax again and start the two month wait all over in hopes that someone responds this time. This is completely unreasonable for such a large company when the credit reporting they control has such a substantial impact on their customers life. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Debt continues to be reported as an unpaid collection account. This was paid in full nearly 30 days ago and verification of that payment was provided to this collection agency via certified mail with return receipt attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today I received a credit alert stating a new collection account was added to my XXXX credit report. First of all I never received a debt verification letter from this company. Only from my credit monitoring I find out that this is for a cell phone that were returned and that these charges are fraudulent. 
This company never sent me anything regarding this fraudulent account. They are required BY LAW to send me a letter allowing me to dispute this and request verification. THIS WAS NEVER RECEIVED. this company does not abide by the FDCPA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I keep getting calls and text messages from Hillcrest, Davidson & Associates Threatning to take legal action and credit reporting on a debt that I nothing about nor do I owe. 
I had to block their number since they will call at all times of the day and into the evening after I have told them that aim not the person they need to see or speak to. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit car utilization was supposed to go up it did but my points went down instead of going up that 's an error and some of the creditors are being investigated there for with no change on my report except that I paid my credit card on time and my utilization went up it should have eather stag the same or gone up. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened a Barclay card account and ordered a card for myself and an additional card for my spouse, when my spouse card arrived the paper receipt with his card had the entire card number printed on it, which I think may be a FACTA violation, I know retailers can not print more than XXXX numbers of your card on any receipt so I find it unsettling that a card company would print the whole card number on a receipt, this was not a bill or statement it was a receipt that came with delivery of the card so really was no reason for the number to be printed on the paper, as it is printed on the card. Printing the whole card number on a paper just makes it one more security issue, so I am thinking do I keep the paper for records and risk anyone ever finding my card info, or shred it and hope that no one can piece it together and steal my info, so now I 'm saving the paper and just purchased a large locking file cabinet to try to keep this and other papers locked up so this card seems to have already cost me XXXX bucks and how can I expect a retailer to keep my info safer than my card company is willing to, it is all very disappointing. You get a credit card for security, but now instead of feeling more secure I just feel like I have one more thing to worry about .Tried to contact Barclaycard , as soon as I mentioned FACTA violation I was placed on hold and then they hung up on me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Shell XXXX Co did not bill me in a timely manner for the XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX gas purchases. All my other bills were forwarded to me by the XXXX XXXX XXXX to my XXXX address ; the last legitimate charge of {$52.00} was paid on XXXX XXXX, XXXX and any other charges are late fees and not my doing. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A company called North Cash will not stop harassing me about a supposed loan they gave someone - but not me. I 've never had ( or needed ) a loan. I 've mentioned that they need to stop contacting me and that they should abide by the Fair Debt Collection Act, which requires them to stop contacting me because clearly they gave a loan to someone who was n't me. I have spoken to the police about this, yet North Cash refuses to stop calling me on my cell phone and at my office. The XXXX people who have contacted me are very rude and no matter how many times I tell them that I 've never taken a loan, they insist I have. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Have made 9+ disputes ( since XXXX XXXX XXXX XXXX ) with Experian on credit card account with XXXX ending with XXXX. Experian refuses to fix inaccuracies reporting charged off account payment status as late since XXXX XXXX XXXX. XXXX XXXX account charged off XXXX XXXX. Representative stated its Experian right to set policies regarding how charged off credit card accounts are reported. Requested copy of Experian policy regarding reporting of charged-off credit card accounts placed on hold 20+ minutes. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: case # XXXX Shellpoint Mortgage sent the power of attorney from the wrong company. It should have been XXXX XXXX not XXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX my account was gotten into on USAA by phone number XXXX at XXXX. At XXXX and at XXXX XXXX attempted to get into the phone automated system. They were able to change my information with only a SSN and birthdate. ( ( When I call I have to provide a pin ). Transactions were made from XXXX XXXX and another in XXXX for on that same night ( they used my debit card for both ). The pin, security questions and password were changed and a new phone number of XXXX ( appears to be texting service out of XXXX was added as my primary number. My account then had a mobile app established on this number which appears to be an Android XXXX XXXX phone. None of these numbers are attached to me or my family nor do any of us have any XXXX smart phones. ( we have all XXXX ) Here is where the NIGHMARE really begins I called USAA fraud department to make them aware that the XXXX number is allowing notifications and it 's not mine. They appear to not be able to remove this device from my profile. The have put in a ticket to try to solve it but it will be sometime next week. So someone has access to my balances and accounts until then even with added security in place. They also can not tell me that after the two week lock out on my account if someone will be able to call in and do this again. I have opened a new checking and savings but am stuck at this moment because I have no way to access my money and the payroll check can not be changed for this reporting period. 

USAA has temporarily refunded the XXXX transaction on my debit card pending their investigation the charge for XXXX XXXX is still pending. Currently there are XXXX others here in our Military XXXX that are having similar situations with USAA. We do n't personally know them and my adult son who no longer lives with us had his account hit 3 days after mine in XXXX XXXX. 

Currently I want answers and USAA can not give me any. I was told by Fraud Department on Thursday to stop stressing and to have a good weekend. 
I have reported to police department and have fraud alerts on all of my credit reports. I noticed all of this on the XXXX and USAA tells me that 'd those other phone numbers have not tried to access anything since the XXXX. Right now not sure I trust them and my information is floating around on an unknown device. 

After speaking with someone who works In computer securities for a large Corporation they feel as if USAA has had a data breech. As I write this I have involved many authorities and this seems to be a huge problem with USAA and I 'm just one of many having this issue in the last 3 weeks. Speaking with about XXXX people here their debit cards have been compromised with USAA since XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied a mortgage through Universal American mortgage company o n XXXX XXXX, my XXXX number is # XXXX. 
During the processing, I noted to their mortgage officer XXXX XXXX, and, processior XXXX XXXX, that I am always on the trip, so best way to reach me is by emailing. 
Till to the mortgage was approved, everything working perfect, and I finally got my loan. 
I start to mail the mortgage payments by mailing checkes, start from XXXX XXXX until XXXX XXXX. 
At that 8 months, I try to set up the auto pay to avoid any delay or XXXX payments, and wrote email to XXXX XXXX XXXX on XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX to ask the situation of my mortgage statements, and how to set up payments. 
Since I am out side of States, I have my real eastate agent, XXXX XXXX to ggive them calls almost every month to help me set up autopay account. 
Non of them reply by email, or pick up phones. 
So, I left my checks to my office, and my people help to mail check every month like usual. 

Until, XXXX XXXX XXXX, I back to U.S from a long trip, I got a goodby mail from UAMC ( the universal American Mortgage Company ), said my loan was sold on XX/XX/XXXX! 
And, I received a voicemail from PennyMac ( the new lender ), I was four months delay on my mortgage payments already! 
So, I called XXXX three time to verify what 's happening, and make payments in 10 days. 

At that moment, I put out all my bank statement and found my checks were transferred to pennymac for several times. And, there XXXX checks were missed, and might be XXXX was refused to transfer by Universal American Mortgage Company. 
I called UAMC service office, and try to work out how many payments they received, and why has nobody can reply my emails, and loan officerhad not been able to pick up phone calls from us ( which they frequently talked before this loan was approved ). 

I was told by UAMC that my loan was sold, and they are not be going to answer my any further questions. Yes, and even I called them on XXXX XXXX, XXXX, aksing a records of my payments, try to figure out how many checks did they forwarded,. 
NO BODY give me a call back, because I was sold! 

XXXX XXXX people even has a little bit professional mind, they should notice it, and inform me my loan was transferred. 
Which I am completely okay with that! 
NO Calls, NO picking up calls, NO replying emails, NOt taking care of customer 's re requirements. All my mortgage issues massed up, and my credit score is terriable. 
In that 8 months, I honestly mailed checks every single month, no missed. 

I paid the late pay fees, because I understand it 's not XXXX 's mistakes. 
But, I am really have questions for UAMC, how could they take care of their customers, and how they people feeling kind of massing! 

I wish you can fix my credit score! 
I wish you could talk to them, since no one care aboutme from UAMC. 

Thanks! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, I bought my house in XXXX XXXX. My initial mortgage payment was {$510.00}, which I paid for the year. In XXXX XXXX, I received a notice from my mortgage company that my mortgage payment leapt to {$640.00} per month ( apparently due to an escrow shortage. ) After numerous phone calls, I discovered that my mortgage company had charged me {$0.00} for the first year 's property taxes. 

This is extremely frustrating for me as I would n't have bought this house had I known that the mortgage payments would be so much higher than what I agreed to when I signed for my mortgage. 

Thank you, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My mom took out a refinance auto loan with Santander Bank to lower her payments. She passed away on XX/XX/XXXX I 've been making payments to them for XXXX years. I fell behind and all I owe is a balance of XXXX. They came and took the car and I spoke to her about getting it back. She asked me if I had the past due amount I said yes. She then went on to say that she could release the car to me cause she has the authority to release it to anyone she wishes to. But she had to speak to someone and get back with me. I then said ok so when she call me back she asked it I had a death certificate I said yes and then she asked if my mom had a power of attorney I said no. Then she asked if I had gotten a executive of estate I said no cause I did n't know I had to have one. She then proceed on to say that she could n't give me the car back and asked if I had received the letter she sent out withall the extra money iI would need to have in order to get the car back. I said yes she said it 's going to take me XXXX days to get the executive of estate by the date she gave me which was XXXX XXXX, XXXX XXXX in which the car will be auctioned off. I then asked to retrieve my b belongings from the car in which I drove XXXX hour to get and I did n't have the death certificate so she said no. I then came home and called the attorney general office in which she refused to speak with the person who called. So the person told me to speak with XXXX to get a lawyer which I did. And she also told me to make a complaint against them. I have come up with the monies for this vehicle which is book value of over {$6400.00} dollars. I do n't understand why she is being so mean and rude about this situation when I clearly paid for a lot of this vehicle. I 'm going to attach the letter she sent me and. Where she comes up with the amount of the storage fee and days. Also look at what she states about having the monies by XX/XX/XXXX or its going to be auctioned off. Please help with this cause this is the only thing I have left of my mom 's. 

Company response: Company chooses not to provide a public response