AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received an application from CITI for a XXXX Credit Card. On XXXX/XXXX/15, I called to inquire information about it. My main concern which I reiterated was that I did n't want to lose my points that I had accrued. The gentlemen I talked with initially said I would, but then when I said I had XXXX CITI cards which were linked together earning points, he then put me on hold and said he needed to talk with someone about this. He came back to the phone and said, no I would not lose my points and he would open up the new XXXX Card. I asked him again, are you sure. He said yes, that I would n't lose my points. I then got his name & where he was located, just in case there was a problem. For several months the points were on my statement, so I never gave it any thought there was a problem. Then I checked my statement on line & the majority of the points were gone. I called CITI XXXX XXXX/XXXX/15 XXXX & talked with someone who stayed on the line while I talked with the Department who handled the Thank You Points. She had the other operator fill out a dispute form & said, that it was what had to be done, but assured me that I would get my points back. I received a letter date XXXX/XXXX/15 denying my reinstatement of the points. 
XXXX/XXXX/15 ( XXXX call ) I asked the representative to please pull the voice recording to verify what I was saying was true. She said there was nothing more she could do. 
This was blatantly fraud on the gentlemen 's part to initiate this credit card when I emphasize that I did not want to lose what I had been saving up for years with my points. My points were denied. 

Company response: Company chooses not to provide a public response
Consumer complaint: FCO Fair Collections & Outsourcing calling me and threatening me on the phone in collection of {$3600.00}. 
XXXX Apartments in XXXXCalifornia evicted me and my XXXX daughters out of apartment XX/XX/XXXX when l was injured XXXX XXXX in XXXXCalifornia.XXXX 
I was n't been paid properly by XXXX employer and l was XXXX at home XXXX on XX/XX/XXXX. 
I am respectfully on Permanent XXXX Retired XXXX. 
I will send evidence of collections and medical evidence to Consumers Financial Protection Bureau by emails. 
I am on XXXX for stress. 
I am a XXXX Military Veteran and XXXX XXXX XXXX Citizen. 
XXXXCalifornia and Fair Collections and Outsourcing has ruined my credit XXXX. 
I can not obtain a Consumer Loan for my XXXX daughters College Education, XXXX daughters wants to continue their education for XXXX Careers. 
My credit is ruined. 
FCO even sent me a document with a reduction of 50 % to pay {$1800.00} on XX/XX/XXXXI always paid rent on time and me and my daughters XXXX we have been Discriminated and Retaliated by XXXX FCO collections and Outsourcing.since XX/XX/XXXX till Present. 
FCO collections and Outsourcing XXXX in XXXXCalifornia XXXX staff Discriminated.Those Managers XXXX no longer with them. 
XXXX Apartments even hired Attorneys to collect debts and Evictions. 
I file complaints against FCO collections and Outsourcing. And XXXX Apartments. with Federal Trade Commission XX/XX/XXXX 
But nothing was done. 
I will send notifications to President Obama and Congress about Issues XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not understand why my score went from XXXX to XXXX with Transunion. It has the same exact information XXXX went up to XXXX. This disturbs me because I have paid everything on time and XXXX shows the same information as Transunion so Transunion score should not have gone down. Please, please fix this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received XXXX scholarship to go to school, however I lost it mid way into my XXXX year. They demanded I pay back all XXXX I owed them ( them being the XXXX ) which of course I did not have the means to at the time. It was sent to collections at which point it was tacked up to XXXX. The new agency refused my offer to make payments that I could afford and instead sent it to a new new collections agency after a few months. The new agency put a new fee on it, bringing it up to XXXX. Once again I contacted them and was told to enter into a repayment plan I would need to pay XXXX a month. If I ca n't make this new plan, it will likely be passed to a new collections agency and a new fee will be assesed. I only make {$14.00} an hour and my wages are being garnished, not to mention I 'm still paying off the federal loans I took out to finish college. I consulted with a bankruptcy attorney, but was told that it would likely not work due to the fact that the funds were used for educational purposes. I feel as though I will never get out from under this, or have credit for that matter. A college education was not worth this crushing debt. XXXX collections agencys seem to be completely unwilling to work with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo failed to properly credit my mortgage payments. On XX/XX/XXXX Wells Fargo Bank filed a Notice of Default for {$10000.00} which is incorrect. I contacted Wells Fargo once I received the Notice of Default and the Debt Validation at the same time and requested the date of the last mortgage payment. Wells Fargo stated that the last payment was in XX/XX/XXXX, however, it was credited for XX/XX/XXXX, because they had not received a mortgage in XX/XX/XXXX. I located the XX/XX/XXXX mortgage payment which was paid inside of Wells Fargo Branch on XX/XX/XXXX. Previous to the Notice of Default I did not receive a Notice of Intent to Foreclose from Wells Fargo, therefore I requested to see it along with the payment history. The Notice of Intent that I received was incorrect in the amount being requested, moreover, it appeared to be newly created, it was dated XX/XX/XXXX and stated the last XXXX payments had not been received? When Wells Fargo Bank had received XX/XX/XXXX payment. The payment history that I received is impossible to read even with a magnifying class. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed that this collection appeared on my credit report but i was never notified of the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I applied for a home equity line of credit ( " HELOC '' ) online from Bank of America ( " BofA '' ). The following week I received a telephone call from BofA regarding my HELOC application. One of the questions asked by the BofA employee was " do you have have any other loan requests pending ''. I answered truthfully, which was yes I had applied for an identical HELOC from XXXX XXXX a day after I applied to BofA. BofA informed me that they would NOT continue with my HELOC application until I provided them a letter from XXXX XXXX indicating that I had withdrawn my HELOC application from XXXX XXXX. I indicated to BofA that I was willing to withdraw my application from XXXX XXXX but only after I had received a loan commitment from BofA. BofA has unwilling to do this and canceled my application. BofA did this despite me being a 20 yr customer ( premier status ) with existing checking, savings and HSA accounts at BofA and a XXXX credit score. This practice by BofA is anti-consumer. It limits shopping for competitive rates and terms. It forces you to either shop for a loan sequentially versus in parallel, which is time consuming at best, lie to BofA during the application process, or find another lender. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Couple of things here. This is directly connected to case XXXX of which you can share the information in each complaint with the other complaint party. 

I have yet another company attempting to claim this same unverified debt. Additionally now this debt - Which I was told went from a physicians office XXXX by Harvard Collections .... is oddly being collected XXXX as an ambulance bill. 

I have asked XXXX companies to provide proof that they actually purchased the debt .... maybe they XXXX work for XXXX as they use outsource collection agencies XXXX companies do, they make pennies on the dollar to our minimum wage - so the company saw that once vendor was collecting the amount wrong and sent it to another vendor? Or they are XXXX collecting the same thing with different descriptions? 

There is fraud all over this. I paid my co pays at the hospital that day, I am not sure why there is now a doctor charge and ambulance charge XXXX for XXXX from the same day with two different debt collectors. 

Additionally when asking for the original invoice, the notification of intent to send to credit collection agency, proof of ownership of the debt ... they guy said I can not provide you with that I can only give you the original invoice and our invoice ... XXXX well obviously I want more since XXXX agencies are trying to collect the same amount. 

So he provided me with two solutions .... 
1. I can just stop calling you and stop trying to collect, how about that? I asked if it would still be on my credit, he said yes, I said that is not good enough. 
2. Then he said I will settle this debt for you for {$150.00}, but refused to send that to me in writing with the requested verifications. How are you going to accept less as a resolution to me wanting verification of debt????? Sounds like a form of bribery to me. 

Then the XXXX manager - each time I asked for the documents I wanted they would escalate my call - told me if you want to verify that they tried to collect this debt, and that they did sell it to us you need to call them directly. You should be disputing with them and not us ... .. which would make my debt validation request pointed to the wrong party in the XXXX 30 days ... I think this is illegal. Additionally I am not disputing I was at the hospital, I am simply verifying where they are getting this amount because I have XXXX companies now that have tried to collect under different names. 

There has to be better reform ... how about transferring letters, from the original creditor and the collection agency each confirming they have completed a transaction for this XXXX debted amount. Something tangible, not just a hospital invoice and random collection company invoice ... I could make XXXX of those up and say I am the collection agent who owns the debt. The only thing this validates is that the collection company has my information. You have to come up with better regs around debt validation 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been recieving phone calls from this debt collector and i informed them i live on a fixed income, on social security XXXX, my only source of income and that i can not pay it. I informed them that proper documentation was sent to the hospital where i was seen. I was informed that i will be repeatetly called until i pay this debt, i told them its harrasement and i was laughed at and told too bad, i was also told the were going to take legal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America ( BAC Home Loans ) is reporting my loan XXXX days late for the month of XXXX 2013. 
This account was never late. I am not just frivolously saying that. It really was NEVER late. 
This account was on a trial period and payments were on time. There is absolutely NO reason for this account to be reported late. Bank of America has been giving me the run around for over 1 year about this. They admit it should n't be late but no one has a clue how to fix the credit reporting. This has been seriously damaging to my credit rating and causing extreme distress. I am at my wits end with this. This late mark needs to be removed now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I continue to get calls at my home from a company trying to collect a debt from a family member who does not live with me and has never lived in this home. The calls are made at least two times a day. They are either from a live person or a recording. I have asked them not to call anymore and that I can not help them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I constantly rcv a phone call from XXXX,,, was finally able to link it to Penn Federal Credit and once they asked my wife for my name and claimed I owed a long overdue debt. We owe not unpaid debts to anyone ... checked our credit reports ... high scores no outstanding debts ... .they continue to call up to 5 x 's a day and I get a recording and when I call the recording they just want phone number and information ... .they do not stop this harassment and I have no way to directly contact ... no written bills of anything ever sent in the mail..this concerns me as I was on the XXXX hacking list and these calls started after this. How does this ever end?? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I submitted a dispute with TransUnion. However, TransUnion refused to process my dispute and requested the following items, a copy of my Drivers License, Bank Statements, a Cancelled Check, Pay Stub, and a Utility bill. I communicated to TransUnion that I do n't provide that type of information to private corporations such as theirs. Yet, TransUnion never ask me for any of these items before they reported this information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally filed complaint number XXXX against Select Portfolio Services, and their response, which I disputed, contains some outright falsehoods and misrepresentations : In the first part of SPS 's response, they said since they are only the servicer of my account, they could not respond to any allegations regarding origination. Why did it take so long to tell me this? And why are you responding to my right to rescind? In which response you say that my loan originated XX/XX/XXXX which it did, but my right to recision is based on a modification done XX/XX/XXXX, which is well within the 3 year limit. 
SPS also alleges that another lien was not paid off in the modification ; the fact that this collecting of funds XXXX used to pay off XXXX XXXX without my knowledge or consent was not disclosed in the modification is a major part of my complaint ( which SPS says is not their responsibility to respond to XXXX. I have ordered the following from XXXX Mortgage : Copy of Payoff Request from XXXX ( which I never authorized ), a copy of the payoff letter directed to XXXX, and a copy of the payoff check from XXXX and a copy of the release of lien sent to XXXX. As soon as I receive these I will forward to CFPB. 
The above is in response to SPS 's non-response. 
I have also registered a complaint against XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Here is my situation. I bought a property in XX/XX/XXXX that was appraised at {$420000.00}, and put down XXXX. I refinanced that property in XX/XX/XXXX and it was appraised at {$400000.00}, which I questioned because the comparables were stick built and my building is concrete and steel.. The refinance was approved. 
My current mortgage balance is approximately XXXX. 
At this time, similar properties in this building are listed and selling for XXXX to XXXX. 
I have been patiently waiting for the value to return to this property and figured that in XX/XX/XXXX that would be the bottom, but obviously it is at a new low. 
I feel like I was taken advantage of by this practice of over inflating the appraisal and poorly trained lender or bank staffDo I have a case for principal reduction. I have contacted the lender, Wells Fargo, and no response. 
How do I proceed from here. 

Thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally contacted Experian with a dispute on XXXX XXXX, 2015. I never heard from them. I contacted them by Telephone on XXXX XXXX, 2015 informing them that i had not heard back from them. So mailed me a credit report and that account that do not belong to me and is reporting inaccurate personal information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo approved a loan modification for me in 2010. The untruths told to me about the process, the actual negative financial repercussions and a dire outcome on my home ownership are inexcusable. The entire modification process of homeowners who received this " relief '' needs to be investigated by federal regulators and remedies given to affected homeowners. I am in a worse position now 5 years later than I was before the modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays has charged me a fee of {$500.00} as interest, running my account over the limit. This action represents the greatest threat of default on the card. It is bait and switch predatory lending in its worst form. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a issue with my account from XXXX XXXX XXXX being removed from my credit file since XX/XX/XXXX. Recently on XX/XX/XXXX XXXX XXXX XXXX submitted a XXXX performance through the XXXX department at Transunion to rectify the situation. I checked my credit report and also spoke with customer service rep and supervisor who were clueless about this information and stated they could not give me any further any further information. I simply would like my account to reflect on my credit report because this is drastically affecting my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Call from XXXX every morning on my cell phone, only XXXX ring. Based on XXXX they always only leave XXXX ring. It appears to be debt collectors. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage is with Select Port Folio I have attempted to modify my mortgage several times. I want to keep my home I want to modify this mortgage. There is a foreclosure saledate set for XXXX, 2015. Please assist me with saving my home. My husband and I divorced and I was awarded the house though the divorce. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Specialized Loan servicing started charging me monthly late fees once they bought my loan out from XXXX XXXX. They will not respond to my e-mail request to correct their mistake. I followed the procedure given to me from their customer support telephone contact number. 

Company response: Company chooses not to provide a public response
Consumer complaint: ribe what happened so we can understand the issue ... 
My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this. 

Company response: Company chooses not to provide a public response
Consumer complaint: The mortgage company, Ditech is refusing to consider modifying my loan in spite of the fact, as I have informed them of my loss of income and my XXXX. Since 2010 I have been going back and forth with them about this issue. It seems as if their only interest is for me to deed the property back to them, or for me to sell the house. 

I 've made attempts to have the HELP program assist me in this matter, but my mortgage company have no interest in trying to resolve this issue. 
When pressed, they have only given two reasons of their refusal to work with me. 
1. They do n't give modification to people that are working. 
2. Their investors wo n't give them permission to do a modification. 

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