AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been trying to get a loan modification for almost 4 years now. First through XXXX XXXX XXXX, they repeatedly asked me for the same documents every business quarter. Specifically, bank statements, a personal profit and loss statement, and tax return copies. I did that many times for almost a year and a half, at that time I got a letter from XXXX telling me that my loan had been sold to a company called Shellpoint Motrgage company. That company just picked right up where XXXX left off, asking me for those same documents, bank statements, profit and loss, tax returns. I have supplied them to Shellpoint through an attorney I retained. I have sent those same documents for almost 2 years now with no loan modification, just more form letters. My loan is due to increase by almost double this month, my attorney has repeatedly tried to contact Shellpoint to get status ... .No callback, no email response from them to this point. I have not received any certified mail regarding status or disposition of my case. I am filing this complaint in hopes that we can work together to get Shellpoint to do my loan modification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a credit card with MBNA for a number of years without issue. Somewhere along the way the card was taken over by Bank of America. At some point, I contacted them concerning my 1 % points since I heard about their 1.5 % ... after a lengthy discussion, there seemed no downside to update my card. After accumulating points for years, I requested a disbursement of the 1.5 % and was then informed that the actual amount was only .9 % ... in order to obtain the 1.5 %, I had to use toward a travel expenditure ( if I had originally known, I never would have signed up since I do n't use that card for such expenditures as well as use frequent flyer miles when I do my minimal travel ). I wasted my spouses time who dealt with my mother-in-law in order to purchase plane tickets for her in order to use the 1.5 % points and then hassled with the whole reimbursement process from my mother-in-law back through my spouse. I pay my credit card bill in full each month. So my only XXXX credit card charges on my monthly invoice were for that travel and used my 1.5 % points to timely payoff the balance of my account in full. Bank of America claimed that I did n't make a minimum cash payment so charged me a {$25.00} late payment fee ( i.e. due date was XXXX, made a {$25.00} cash payment on XXXX and statement closing date was XXXX ) ... their rationale was that I had made a charge on the following month. Be mindful, there was no balance due and then paid off my account in full for charges in that billing cycle. I believe that Bank of America not only was deceptive when claiming their card was 1.5 % points when actually was .9 % as well as unfairly charged me a {$25.00} late payment fee when I had paid-in-full with the travel credits. Apparently they no longer want my business, even though I believe I have been an upstanding customer for nine years, since when I discussed the matter with them, they had no willingness to waiving the unreasonable fee. Thank you very much for your efforts at the CFPB to assist consumers with credit card companies unscrupulous practices in the past. With Appreciation! 

Company response: Company chooses not to provide a public response
Consumer complaint: There are some items that I believe they should n't be in my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has not provide me with proper evidence of negative accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to international travel, had been unable to make payment to Macy 's Credit Card. On finding out on return that it was past due, had called customer service to clear payment. But due to aggressive behavior from customer service representative and my own reaction to it, ended up asking the representative to clear account and close it. It was my impression that after this I was done with the account and dont have to worry about it. But it was suprising that Macy 's continued to send me statements and a balance due was showing up on credit reports that just kept going up. From past experience, had did not expect reasonable reply from Macy 's and hence disputed the charge with experian. Now the result from experian shows a 120 day payment due and no information was provided as to how the fatcts were verified. Having asked Macys to clear the account and close it, donot see any reason why I should be penalized for a mistake made by Macy 's ( represented by XXXX Bank as per dispute result ) who keep charging me long after account had been paid in full and closed. Dispute was submitted to XXXX and Report ID is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX/XXXX/XXXX I transfer {$2600.00} for 0 % promotion rate until XXXX XXXX. At the same time I had another promotion for 0 % rate until XXXX XXXX, and also I was using this card for my daily purchases. Every month I was paying whole amount that I spend on my daily purchases to avoid interest, but my bank use my monthly payments to cover FIRST - XXXX promotion 0 % rate ; SECOND - XXXX promotion 0 % rate ; and after they start to charge me 19.99 % APR even though I still have 0 % promotion rate on XXXX until XXXX XXXX. I did contact bank several times by the phone and in person, but they always had different explanation. After I submit my complain to your agency, I received letter from XXXX XXXX XXXX, Customer Advocate, Enterprise Customer Care Resolution. In this letter he state " Additionally, you accepted a 0 % APR offer until statement closing date in XXXX XXXX for direct deposit and check cash advanced for {$2600.00}, which posted on XXXX XXXX, XXXX. '' I will scan you this letter and my prove that 0 % promotion rate on {$2600.00} was until XXXX XXXX. I called XXXX XXXX XXXX several times, but he NEVER return my calls. I just do not understand how " Customer Advocate " allowed to be dishonest and ignorant. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to work with Suntrust for over a year to ensure that I keep my home. I filed for a modification last year. I was up to date with my mortgage and was denied. They offered me the option to short sale. I do n't understand why they would rather let a potential new home buyer to take advantage of the fact that my home has lost value rather than work with the person that has not missed a payment in 10 years. Against my better judgement, I stopped paying my mortgage in hopes that they would help. I filed again in XXXX. Only for them to tell me that they did not get my paperwork. I gathered all of the paperwork once again. Only to be denied a modification and offered the short sale option once again. I can not short sale my house and be taxed on a XXXX. I simply ca n't afford it. They do not have my house properly appraised, have not attempted any kind of resolution, and the rep pretty much told me that he is busy and I am just a number / case load for him. I do not want to lose my home, but I am at my whit 's end with Suntrust Mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I sent via next day delivery, certified, return receipt requested XXXX separate NOTICE OF VALIDATION OF ALLEGED DEBT in accordance with Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, to Wells Fargo 's attorney of record XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX ( XXXX ) XXXX. This action should have stopped the foreclose sale of my property on XXXX XXXX, 2015. These letters were ignored by both Wells Fargo and their attorney and the sale proceed today with no response from either. This is a direct, willful, and intentional violation of federal law. 

Company response: Company chooses not to provide a public response
Consumer complaint: Well Fargo 's system displayed incorrect account information causing overdraft fees, that I am not responsible for, due Well Fargo system error. On XXXX/XXXX/2015 my bank account was charged a total of XXXX overdraft fees from Wells Fargo. This is not possible due to the fact that i had money in my account prior to any purchases made. I called customer service and they told me that it was a system error, but unfortunately they can not reverse the charges. This is unacceptable, I should not be forced to pay overdraft fees when I did not overdraft 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle in XXXX from a dealership who facilitated the financing through Wells Fargo. I have requested Wells Fargo send me a credit score disclosure XXXX times and have yet to receive it. 

Company response: Company chooses not to provide a public response
Consumer complaint: This XXXX or XXXX XXXX called my XXXX year old daughter 's phone and left message that she is wanting to serve me and is threatening to take legal action against me. stated she has my name and social. I returned the call but went to recording stating the company name is A R M? So i researched this XXXX XXXX and this company A R M on the internet and read these people are scammers. how in the world did they get my daughter 's phone number? this is not the first " phantom debt " collector threatening me and repeatedly calling my several daughter 's phone and also calling my employer! these companies need to be stopped please Help! I have never received one piece of correspondence from this person nor this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have used Ally as my primary checking account for receiving my direct deposits, paying bills, and using a debit card. This month my mortgage payment to XXXX XXXX XXXX was scheduled to be received by the bank by the XXXX. On the XXXX I was assessed a late fee of almost {$40.00} because my payment had not been received. I contacted Ally bank to ask about why the payment had not been received and was told " We do n't know why it is n't there '', " It hasnt cleared your account '', and " It should have made it on time ''. When I asked if I could cancel that initial check since I have no idea where it is, or if it ever did get sent so that I could ensure I could pay my mortgage over the phone or through XXXX XXXX XXXX 's website instead and not having to worry about needing enough funds to cover when the initial check cleared I was told that there was a {$15.00} check cancellation fee unless I waited until at least 10 days past the anticipated received by date. So now I am stuck with a {$40.00} late fee, a late payment on my mortgage and credit history, and a fee to cancel the initial check that still has n't made it to the bank, which leaves me with no way to pay my mortgage currently until I wait out the ten days, cancel the check, and finish transferring all of my money out of Ally. 

Company response: Company chooses not to provide a public response
Consumer complaint: Before I file a lawsuit against XXXX my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. XXXX XXXX XXXX XXXX has been harassing me since late last year on my credit reports on XXXX & XXXX. ( 15 United States Code section 1692d ( 2 ) ). I have been in contact with them multiple times sent certified letters to them as well on XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference XXXX account from your credit file. '' But no action was taken my credit report from XXXX XXXX XXXX currently still shows XXXX XXXXAccount NumberXXXXAccount Type XXXX Installment XXXX Terms XXXX 1 Month XXXX ; Date OpenedXX/XX/XXXXAccount Status XXXX Closed XXXX Payment Status XXXX Paid XXXX Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. XXXX violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. XXXX violated XXXX XXXX XXXX ( XXXX XXXX by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. XXXX violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX and XXXX credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My father was sold a predatory reverse mortgage XX/XX/XXXX by a company that is now defunct because of fraud. He also at the time was diagnosed with XXXX at the time he was forced into signing this loan. XXXX XXXX XXXX is now trying to foreclose and take the property. That property was given to him by his mother who has had the property since the XX/XX/XXXX. The house and property were paid off before the loan. He had no need for the loan and did not know where the money went. He recently passed away and I have XXXX sisters to whom this property was supposed to go to when he passed. We need help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: It has been a four year up hill battle with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The fraudulent mortgage loan originated with Country Wide in XXXX Credit was obtained for over XXXX XXXX XXXX dollars in my name by a dishonest loan officer. The loan was put in my name and the loan officer without my knowledge then put through paper work giving the house to the occupants and leaving me personally stuck with the loan. I filed an identity theft detailed report from law enforcement. Law enforcement noted the numerous forgeries from the original loan. I can forward all documents to you at your request. XXXX and XXXX loan services have refused to block the inaccurate information. The occupants of the house became nine months behind when I learned of the fraud. My credit was ruined. There are multiple investigations currently being conducted and led by XXXX XXXX XXXX XXXX XXXX. I need the banks to immediately block this fraudulent inaccurate information according to the XXXX. The banks have all copies of the documents from the authorities and refuse to acknowledge law enforcements findings. The loan officer is currently under investigation for multiple fraudulent loans. I am requesting your help in resolving this matter with XXXX and XXXX In addition after providing ID theft documents to XXXX and XXXX they immediately blocked the fraudulent loans. 

Thank YouXXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Franklin Credit Management is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I never received written verification of a debt from I.Q. Data Informational, Inc. I would like a letter sent to me to verify this debt from 2011. I did n't even find out about this debt until this year. I 'm also extremely frustrated that there is NO way of finding there contact information on the internet ANYWHERE. How am I supposed to pay a debt to a seemingly invisible debt collector? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent the creditor a letter requesting the debt be verified on XXXX XXXX, 2015. I have not received any such documentation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter in the mail today from a bankruptcy office stating that a company named NAR INC. was awarded a judgment against me on XXXX/XXXX/2015. This is the first Ive heard of it. Previously, I had tried to work out a payment plan with NAR, INC ( North American Recovery ), but they would not accept anything lower than {$50.00} per month. I failed to pay them the XXXX payment due to the fact I could n't afford this payment, now 1 month later they were awarded a judgement? They would not accept the {$25.00} a month payment I offered them. Then I never heard from them again. Now I 'm getting a notice from a bankruptcy lawyer wanting my business. I had no idea there was a court date, or if there was even a court date. I would have liked the opportunity to tell a court how much I could afford to pay them. I just checked my credit report, and sure enough there is a judgement against me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is an address on my report that I have never lived at ...! ive never lived in XXXX Ohio in my life! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have asked US Bank to immediately correct their credit reporting of Loan # XXXX and to stop sending me monthly bills and late notices. The Bank accepted a Deed-In-Lieu-of-Foreclosure which was completed on XXXX XXXX, 2015 yet they continue to send me a monthly bill for this property and continue to report an outstanding balance and late payments on my credit report IN OBVIOUS VIOLATION OF THE FAIR CREDIT REPORTING ACT. The Bank accepted the Deed-In-Lieu-of-Foreclosure and subsequently agreed to release my obligation but they continue to harass me endlessly with statements and reporting my credit incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a corporate XXXX XXXX card issued to me by my former employer XXXX XXXX XXXX. I resigned from the company in XXXX 2014. I turned in the card on my last day and did not have any access to it after that. A charge was made on the card in XXXX 2014 that I did not make, and that I did not authorize. This has now gone to collections. I have tried to dispute it with XXXX XXXX but they refuse to assist since the debt has already gone to collections. This debt is not mine and the collections agency continues to harass me every day including calling my place of employment. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX credit cards that I paid off in full sent me a bill for interest after I paid off the balance. I called both companies and both of them just simply reversed the charge ( much to easily, in my opinion ). While that is all well and good, I ca n't help but wonder, how many people just pay that bill? It seems to me that this is somehow fraudulent or at the least a very sneaky way of getting money from unsuspecting consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir, My self XXXX XXXX, using XXXX Credit Card since 2007. I observed in last month that company has practice to charge interest on due amount without adjusting partial payment made on or before due date. On asking clarification on this they told that until unless full amount is not paid interest shall be charged without adjusting any partial payment. 
Kindly look into that matter and justify why the partial payment should not be adjusted in principal amount for calculating interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid. 

Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have NEVER been XXXX XXXX XXXX, XXXX XXXX and have never lived at XXXX, ( NEVER and apartment number, this is a house ) orXXXX XXXX ( House no Apt number ) orXXXX XXXX XXXX ( This belonged to my EX husband ) orXXXX XXXX ( This belonged to my EX husband ) I never worked for XXXX or XXXX ( My EX worked there ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by XXXX and they were attempting to collect a debt from Continental Finance. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know Continental Finance was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that Continental Finance was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt XXXX would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with XXXX XXXX for debt collection. XXXX seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe Continental Finance is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt XXXX will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several items that are on my credit report due to fraud. 
My social security number was stolen from me to open accounts in my name. 

Company response: Company chooses not to provide a public response