AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is the 3rd time I have made a mortgage payment and the servicer called me back to statemy payment was returned due to a bad account # and I have 2 late payments on my credit report as a result. I called and made a payment and noticed that the payment had not been removed from my checking account. I called back and spoke to someone and he noticed that it was not removed and he reran and gave me another confirmation # of XXXX XXXX. XXXX XXXX, I received a call that my payment was not received therefore I spoke to XXXX XXXX - manager and she stated she would put in for the credit corrections due to an issue with their system. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I lost my job on XXXX XXXX but I still paid my mortgage every month. On XXXX XXXX, I called my loan servicer Wells Fargo to ask forbearance plan, which stated on its website. First I was told they do n't have this plan, but only modification, and I was not eligible because my loan was current. After I reiterated I did n't want modification but temporary assistance, they assigned me a home preservation specialist. I told him put notes that I do not want modification. He ensured he did, and told me the assistance plan for 6 months which pays {$25.00} each month, and a lump sum total repayment needs to make after 6 months. He also stated I need to submit property tax and home insurance info to get approval. I was hesitated and never submitted these. I got a letter one week later that I got approved even though I never submitted requested info. At the beginning of XXXX, I decided to make full payment for my mortgage, I was told online I had to call home preservation to make a payment. I did, and the specialist assisted. One week later, I received a letter that escrow account was established and payment for property tax was made. The letter dated XXXX XXXX, but I paid my property tax on XXXX XXXX. The letter indicated Wells Fargo reviewed my property tax upon the assistance program. The specialist never notified me this, and I had up to XXXX XXXX to make tax payment. So now, I was forced to create an escrow account, my property tax was double paid, my current loan is no long current because the escrow amount was taken from my principal. I called the specialist, his manager stated that the purpose of escrow account was to protect investors ' interest. If I ask for assistance, even just for a few months, they have to establish escrow account. My questions are if I could only afford {$25.00} a month payment, how would I be able to afford escrow? I asked for temporary assistance for my last resort help in case I can not make payments, but now my credit got ruined, my loan was messed up, my property tax was double paid, and I no longer can have temporary assistance. How awful!! I would rather use up my savings but not want this kind of disaster, hassles, and insults. Wells Fargo does n't care about consumers like me but only its investors. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a house in XXXX in New Mexico, through XXXX. The first loan was for $ XXXX, a secondary loan for $ XXXX. The XXXX loans were then sold to XXXX, then sold to XXXX XXXX XXXX, then to Green Tree Servicing LLC -- XXXX institutions in 4 years. By XXXX, when the mortgage payments kept going up, we lived on our credit cards and loans from family members in order to keep afloat. My XXXX children and I could no longer continue like this. I contacted XXXX XXXX XXXX and Green Tree to notify them we would n't be able to continue making payments. I then contacted Realtors attempting to place the house with them to cover the mortgage. I was told the large house would n't move for months. My children and I moved to more affordable housing out of state. We left the house in pristine condition : cleaned throughout, new paint in the guest house, septic system cleaned, termite inspection conducted, another refrigerator in the garage, and turned the house keys over to a neighbor so the house could be inspected -- in other words, all done in good faith. I tried working with Green Tree Servicing to have them handle the sale of the house, but was told by XXXX of their departments that I was 'an absentee landlord ' who only wanted to capitalize on this empty house and profit from being an absentee landlord. With a Realtor in NM, I tried short-selling the house so it would n't go into foreclosure/sheriff 's sale, had several potential buyers, but Green Tree refused to consider the offers. After that, a sheriff 's sale was speedily arranged, and took place in XXXX XXXX with Green Tree Servicing selling the property to itself for $ XXXX. I was hounded by Green Tree for the whole loan itself, when I had been paying $ XXXX on the $ XXXX, and $ XXXX on the $ XXXX for 49 months. Strangely enough, little of those mortgage monies were ever credited to the loans. The $ XXXX was charged off and I was sent a form showing that I 'earned ' close to $ XXXX. My math indicates $ XXXX. Now Green Tree Servicing has sold the ' $ XXXX ' ( should be $ XXXX ) to another financial company : Ditech Financial LLC XXXX which is notifying me that I owe {$48000.00}. XXXX for these financial institutions. My family and I are still scrambling to recover from this financial disaster. The banks/financial organizations are still selling this paper to XXXX another and making money on it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bought car in XXXX from AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. I filed chapter XXXX Bankruptcy in XXXX at United States Bankruptcy Court XXXX XXXX of Indiana which time this was discharged.My credit file with XXXX was updated in XXXX stating that {$30000.00} was past due with a balance of {$10000.00}. I have disputed this matter several times and keep getting a response of " validated '' .I offered to send a copy of my discharge papers only to be told " you have no public records '' Account Details Last Reported XXXX XXXX, XXXX Creditor Name AUTOMTV CRDT Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$370.00} Responsibility Individual Balance {$10000.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$30000.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History No payment history has been reported by this creditor. 
Creditor Contact Details AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Direct Dispute You recently filed a dispute for this account. 
See the details here. 
XXXX Recommendations Find opportunities to refinance your auto loan. 
Look for ways to save on your auto insurance premiums. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX with Sunrise Credit Services on behalf of XXXX. Stating that I owe XXXX plus dollars for an account in collections. If I dont make the payment immediately legal action will be taken. I explained that I have lived at the same address since coming into the country and I have not had cable services since receiving my SS # in XXXX 2015. I sent them a letter requesting to verify that the debt is mine. I have yet to receive, this information. I have never used my bank accounts to pay XXXX anything, I have never had an account with XXXX. Im not sure if ss # are recyled or not but Ive been having the same issue with aother accouts appearing that have nothing to do with me. I have supporting documents from the FTC and XXXX Police Department. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was seeking XXXX of my free credit reports and so I went to the FTC website at XXXX I followed the recommended link to XXXX I filled everything out and selected TransUnion. I filled more forms out for them, eventually it came time to access my credit report and they required me to fill out a card number form. I thought this was part of the process of getting my free credit report. Nowhere did it say they were going to charge me {$1.00} or sign me up for any services, there was no agreement or information regarding this. I gave them my card number to access my credit score and received an email about a charge that they had made for {$1.00}, which I did not authorize. I contacted my bank and they said that I would be charged again as part of a service if I did not cancel. This was news to me. I immediately canceled. I called TransUnion to get a refund, but they asked me for my social security number and my credit card number. I can not trust this company and do not want to interact with them regarding personal information. I simply want them to refund my money, I provided them an order number which should be enough. I am disappointed that a .gov website sent me to a finance company that is capable of such a fraudulent scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent in my paperwork to get my free annual credit report. I filled out the form and made a photocopy of my XXXX to send along with it. XXXX and XXXX sent me my credit report right away. Experian instead denied my request stating that the social security number I provided did not match their records on file and that I would have to prove my social security number is correct. 
On the letter there was also a phone number to request a credit report by phone. The number is XXXX. When you call that number it is not possible to actually get through to someone to request a credit report it simply puts you in an endless loop of a computerized system that the only options is for paid services. 
I was able to track down another number for Experian and selected paid services from the automatic menu that I thought would transfer me to a live person. After several attempts I finally found one. The woman I spoke with, who did not identify herself, was able to look up my information and she told me that there is no record that they ever received my request for my credit report or that they had denied my request. What she told me was that they must document every time my report is accessed. So it appears that they just deny every request for a free credit report and implemented a system that would force you to either be very good at skiptracing, a skill most people are n't even aware exists, or to pay for a credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Secured Credit Card with Wells Fargo in XXXX 2014 with an initial collateral deposit of {$300.00}. I was told, upon review of my positive account history, my account was eligible for graduation to an unsecured card. I used the card for a year, made my payments on time, if not paying in full, never went over my limit, and kept careful watch over the card. I called Wells Fargo and requested a {$100.00} increase to my credit limit, which required another {$100.00} collateral deposit. I used this limit for a while. 
Last year, I called and asked a banker what was keeping my account from graduating into unsecured, and if it is not eligible for graduation I would like to cancel my card. She informed me to " hang tight '' and do not close it yet as I was " very close '' to graduation. She specifically told me that I should be graduated within the " next two months. '' Here I am a year later, still on the secured card from Wells Fargo. They now tell me that there is no way that they can tell when the accounts will graduate, and that I was severely misinformed by the banker who said I would graduate. 
When I first got the card, my credit score had a few blips on it, all of which were taken care of in the first year of having my card. Since then, I have been able to increase my credit score to XXXX with no collections or late payments on my account. They are now telling me that my credit score is something they take into account, and that may be a reason why they are not graduating me. 
I feel that it is unethical, and possibly illegal, to promise me a credit card will be unsecured " in two months, '' if that is not the case. Now, the phone bankers are eager to try to pull a credit report and get themselves a " referral credit '' in trying to open me up a brand new account. I keep refusing this, as I am not wishing to have a hit on my credit report for their referral credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection company, financial recoveries, claims that they sent me the verification letter after they talked to me, but the fact is that 1 ) I did not remembered that they ever contacted me and 2 ) I never received the verification letter. I do n't know this debt until the landlord told me I have a collection record in my credit report. 

The reason I did not receive is might be they send to my old address. It 's their mistake in their job that fails to verify my information before they sending out the document. The key thing is that they put this information into my credit report without sending me the verification letter, nor notifying me that this debt has not been paid by the insurance yet. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My hazard insurance renews this month, and I decided to change carriers. I advised Suntrust Mortgage ahead of time of my decision, had my new carrier provide all of the required information to Suntrust, and advised Suntrust NOT to pay my old carrier. Suntrust ignored my request and paid my old carrier anyway. Now I 've got a policy I do n't want, a new carrier who has n't been paid, and Suntrust refuses to help me. I want the premium they disbursed to the wrong carrier refunded to my escrow, the correct carrier paid, and some sort of compensation paid to me for all of the time I have had to spend trying to unravel this mess they 've created. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2013, I had a car repossessed. The car was sold and the debt was paid. Today I got a notice that on my credit report there was a new repossession with a company called XXXX XXXX XXXX the original XXXX that was settled 3 years ago and has been reflecting on my report as a repossession was Central Ohio Credit Corp. I do n't have a " new repossession '' this took my credit score down XXXX points and they also made a hard inquiry on my report that I did n't authorize. This information is not accurate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citi deleted XXXX Thank YOU pts earned from my AT & T Universal Reward s Card in 2015 without notifying me of expiration or Terms & Conditions. To the contrary a Citi phone rep told me the points would NOT expire as long as I maintained at least XXXX active Citi credit card via charges every year. In fact, I 've had multiple charges every month on an XXXX Citi credit card. Further, I never received notice my points would expire or did expire AND the ThankYou Rewards Terms & Condition do not state points expire due to not using the card earning ThankYou points. Yet the points expired and neither Citi credit card OR ThankYou supervisor would reinstate the points 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a missed called on XX/XX/XXXX from XXXX. There was no message left, I called back and spoke with a man. I asked what company I was calling and he told me a totally different name from the actual company. I was told about a XXXX balance that was owed to check and go. I told him I never received a bill from them and I would like one and if I agree, I could make small payments. He told me that I could pay a settlement, I told him I do n't have it. He said, well we show your working full time, I said yes not for long because I am going out on medical leave. Can you please send me a bill. He then goes to tell me, the creditor can garnish my wages and get more than a small payment from me. And that he 's going to let them know I wo n't agree to pay them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union -- what a wonderful company ( lol ). Will not give me my free credit report for the year unless I pay for it. Trans Union online dispute form is always down and will not allow me to sign in or sign up. The security questions I have to answer truthfully are not factually correct to access my free online report. So when I answer truthfully then Trans Union claims I am not who I say I am. There are many problems with Trans Union. I ca n't be the only consumer to complain about Trans Union and these issues. XXXX/XXXX credit card has been closed by me for more than 10 years yet XXXX and Trans Union refuses to delete this from my credit report. In the meantime Trans Union denies me free online access to my credit report as well. Why? Trans Union, a XXXX XXXX XXXX taking advantage of the consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was double charged for {$150.00} in XXXX or XXXX XXXX on the Www.macys.com with my Macy 's card. I bought a dress and then noticed I was double charged and the same dress was mailed to some random address in West Virginia or somewhere. I have called Macy 's at Least 8 times in as many months and I have been charged interest, refunded interest charged a late fee, refunded the fee. I am at my wits end. It is still on my account as a disputed charge as of XXXX/XXXX/XXXX! I have written letters, and now I am turning to you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I submitted a do not call request to Harris and Harris. On XXXX/XXXX/XXXX Harris and Harris acknowledged my request not to be contacted via the telephone and that they would send all communications through the US Postal Service. However, Harris and Harris continues to call my telephone number. Specifically, Harris and Harris contacted me on XXXX XXXX, XXXX, at XXXX and XXXX XXXX, XXXX, at XXXX in violation of 15 USC 1692c. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving numerous threatening phone calls and messages from this collection agency Brenman & Clark and when I finally decided to talk to them, the person disclosed personal information about me that I was very uncomfortable with. For a moment I thought it was a scammer. This person was extremely rude, threatening and continues to harass me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm reporting on ATG Credit. This firm claims to be collecting on a medical debt. They claim it was with XXXX XXXX XXXX. I asked for verification because I never heard of them. They said that was my responsibility. I also explained if I did owe this debt I had just lost everything, First my health, XXXX. My home was lost due to my health ... They said and I quote " I do n't care about you just if your going to pay your bill ''. Then he added " I will write you refuse to pay your bill down on the comments ''. I said please do n't I do n't refuse I just want verification that I actually owe it. Then he hung up on me. I called back to try to work something out and they said " you went to this hospital and they gave you care to feel better, why wo n't you pay your bill? '' I responded that I 'm now XXXX and finding it difficult to make ends meet. He said " I pay my bills why do n't you pay yours? ". I was literally in tears now. I was never given any proof or a right to dispute notice or anything. I 'm sick, and doing the best I can despite my situation, how dare these dirt bags make such comments! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First a phone call and now letters stating that I owe them {$720.00} for a debt to XXXX University. Very rude on the phone stating I owe for tuition and demanding payment. I called XXXX University and they verified that I do n't owe them any money and they have never turned me in to any collection agency. The school also said they have had several students get calls from this company saying they owe money when they do n't. So this boils down to nothing more then a scam. This needs to be looked in to. the calls and letters are stating they will ruin my credit if I do n't pay them. I told them on the phone I do n't owe anything other then a federal student loan. They just keep sending letters. These kinds of scams need to be shut down. They are trying to prey on students trying to build credit and complete their education. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a Macy 's credit card account XX/XX/XXXX ( to receive the 25 % off ). I purchased less than {$20.00} worth of merchandise. By XX/XX/XXXX I realized I never received the Credit Card or a bill. I looked up the XXXX number on line and called. I spent an hour on the phone and was advised my bill was {$52.00}, of which {$38.00} were late charges. When I explained that I never received a card or the bill, the person confirmed that it was sent to the wrong address, cancelled out the card and advised me that she removed the late charges. I paid the actual charges that day on the phone -- meaning once the late charges were removed, my balance was XXXX. I then received a bill then next month stating they transferred my balance ( to a new card since they issued a new one since I did n't receive the 1st ). And I had another late charge. Now bringing my balance which should have been XXXX up to {$52.00}. I again spent 90 minutes on the phone in XXXX and was advised that all cahrges would be removed. Then to my dismay tonight ( XXXX/XXXX/15 ) I received a call stating my account was past due and I now owe XXXX ( of which I owe notheing because I have already paid the original charge of {$17.00} ). The operator each time spoke very broken English. This evening when I asked the operator if my other XXXX phone calls were noted, she said they were not. She would not allow me to speak to a manager. This whole experience seems fraudulent. I would n't be surprised if this company is doing this to others and I would like this looked in to. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a response to a previous complaint on CitiMortgage with Case number : XXXX I have received their response which is inaccurate and untrue. 
They indicate I have made a web payment on XXXX/XXXX/15 in the amount of {$4400.00} on the same day I made a phone payment in the amount of {$2200.00} This is not what happened at all even though they have provided a confirmation # to support their claim. I have never made an online payment with CitiMortgage in the 10 years of my mortgage payments to them. 
It is not safe to make online payments to them as it gives them access to your account. 

Company response: Company chooses not to provide a public response