AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a mortgage with XXXX XXXX/Select Portfolio Servicing and never did receive a proper loan modification. I suffered a XXXX XXXX among other things in XXXX. It forced me to get behind on my payments. XXXX XXXX filed suit foreclosure on me in XXXX. I was making payments up until XXXX. The home has always been in my name. My daughter lived with me and paid rent and utilities ( documented ) because I was older and than she had some problems of being XXXX becoming a victim of XXXX forced her to move out for safety reasons. I felt behind and became sicker. XXXX XXXX along with Select Portfolio and their attorneys XXXX XXXX XXXX sued me and what they did is highly illegal. I started receiving court papers. They named my daughter as a co-borrower and my daughter was NEVER listed on the mortgage as it is clearly stipulated. They added her name in court lawsuit and the lawyers back dated a Mortgage Summons to XXXX and the case was not filed until XXXX. I was paying my mortgage but felt extremely behind because of severe illness and XXXX on my daughter. XXXX XXXX, Select Portfolio Servicing and XXXX and XXXX started sending my daughter lawsuit threats adding her to a foreclosure that she had nothing to do with. I recently called Select Portfolio Servicing and their Sr Rep told me that my daughter was no where on the mortgage or as a borrower of any sort, so XXXX XXXX, Select Portfolio Servicing and XXXX XXXX XXXX lied! They forged my daughter 's initials on papers and committed fraud and deception on my daughter and me by backdating court documents that are untrue. They purposely omitted the fact that my daughter only paid rent and they omitted all rent receipts. We have recently relocated due to health reasons and safety reasons but a family member is at the house until sold. I am working with XXXX for a Short Sale and when I have tried to talk to Select Portfolio Servicing because XXXX wo n't talk to me, they do n't want to hear about a Short Sale. They have my house scheduled for aution on XXXX XXXX, XXXX. I have filed in court Appearance and Answer to Complaint on Foreclosure Mortgage and indicated my daughter 's name is illegally on these court papers and she is not the borrower and that I am trying to do the best I can in selling this house in a Short Sale. Please help me because they are commiting fraud, deception, forging my daughter 's initials/signatures back dating documents, to XXXX and XXXX illegally and ignoring any communication I try to do. I want to press charges as my rights and my daughter 's rights under the FDCPA and FCRA are clearly violated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have received repeated phone calls with a man using the name of " XXXX XXXX ( spelling? ) '' ( private number ) stating that he will be at my location for me to sign legal documents and that he has placed he on his schedule. He also further states that he has my social security number. This morning, at exactly XXXX XXXX CST he called again ( private number ) to both of my cell phone numbers with the same message verbatim has before. Towards the end of the message he directs me to call : XXXX. I called this number and it just rang and rang until it either went to a unnamed voice mail or a lady picked up. I spoke with this lady and gave her as little information as possible. I repeatedly asked her what the name of her company was until after several attemps she finally told me she worked for " XXXX XXXX XXXX ( spelling? ) '' and kept asking me for my social security number but I refused to give it to her. Through several minutes of repeated attempts I only gave her my name, and she told me I have an outstanding balance from XXXX for {$1000.00}. I asked her if I could speak to the original creditor or verify this debt before continuing and she ignored my request and repeated said that they are going to find me at my residence and take legal action. She kept asking me if I was to make an offer probably XXXX times and would not listen to anything I had to say. She would only ask what my offer was or that her supervisor will issue someone to collect the debt and/or issue legal documents to be on their behalf. I asked for them to mail me whatever paperwork or documentation of this debt and they refused and said at this point they will only be able to obtain this debt by personal contact. 

Furthermore, it appears that this call are " robo calls '' since the call I receive from them is the same thing verbatim as the last calls were. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: During the mortgage crisis I had file bankruptcy to keep my home, and I believe that I was a victim of predatory lending. 

Company response: Company chooses not to provide a public response
Consumer complaint: Alled collection calling me to collect a debt from XXXX yrs ago 1997. They could not tell me if the debt was mine or my ex husbands. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a complaint before you - Consumer Financial Protection Bureau Case number : XXXX. We received a report from Trans Union dated XXXX XXXX, 2015, but the report failed to provide any supporting documents again per our request see our XXXX XXXX, 2015, letter requesting deposed information. We are having an issue with a XXXX score for XXXX allegedly adverse reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained an equity line of credit through Wachovia in XX/XX/XXXX. Wells Fargo Bank ( WFB ) bought Wachovia soon after and I received an transfer of the deed. I paid the loan off in XX/XX/XXXX the payoff went to WFB. There is a charge-off showing from Wells Fargo Equity for the exact same line I paid off. I can only assume all equity lines that were assumed through the buyout went to the Equity Dept of Wells Fargo whether the paid status was noted or not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to pay my payment for my line of credit mortgage loan. I talked to the teller and XXXX XXXX, branch manager. They were not able to give me any details of my payment that I was paying. XXXX said that he only can see that I owe {$380.00}. I asked about my right to see details. All he can see the amount due, He also said that I have to pay late fees to remain current. No other information is available at the branch. 
This is so upsetting that one can not see what we are paying on. XXXX said that I have to reaffirm the account in order to see anything. He did offer a amort schedule, but have to order and it takes XXXX days to get it. How can one see what they are paying on. 
Earlier I called the XXXX. no one can see the account under my ssn but I had to have the accout number of XXXX. They were not able to help me to get information since this is a bankrupt acct and must reaffirm inoder to see or get help. 
This is just absolute loan fraud, discrimmination and mistreatment of customer. How can I see what I am paying. I told XXXX that I am getting screwed by US Bank since I am not see details. XXXX and his branch is totally powerless to help, all they do is take money. Customer service ca n't help either. US bank needs to investigated for loan payment practices, change terms, amounts of how they can charge. I am not able to get any information of the loan amount changes, rate and terms. One may have to default since this is viewed as loan fraud. Please investigate US Bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received attached letter, dated XXXX XXXX 2015, from Citibank. 

XXXX XXXX stated in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that " Because payments to government agencies are commonly made by check ( e.g. for payment of taxes ), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of late delivery of a check through the postal system. " This statement implies that Citibank can make a check payment to the IRS. 

However, this is INCORRECT. 

I tried to set up the IRS for a check payment using Citibank 's BillPay, but was unable to do so. See Payee Details attachment. 

XXXX XXXX further states in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that Citibank found no record of receiving my letter requesting a copy of the user agreement. I sent this letter using a Citibank postage paid envelope addressed to Citibank Client Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Please explain why this letter was never received. 

Thank you very much for your assistance 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not received a final response, however I challenged with all XXXX bureaus a falsely identified item ( listed as a judgment entry which was later appealed and removed ) XXXX of the XXXX bureaus successfully removed the judgment from my credit file. However, I have had to file another investigation with transunion in which I argued that they did not investigate anything because if they did they would have removed the error like the other XXXX agencies did. I shortly thereafter received a letter that they would not be investigating any complaints on my account because they believed they were n't coming from me. I called and verified that they were coming from me and they need to work on the issues I am presenting while trying to clean up my credit report. 

To this date, the item has not been removed, it was originally to have been investigated more than 60 days ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was the victim of a large number of unauthorized charges on my credit cards that has resulted in high interest and bank fees. Unaware of the transactions I was deemed the " billing '' party and not the " shipping '' party. In the process of recovering the items from the individual who placed the charges on my account and being sure the items were returned, I discovered how difficult it is to return items because there is no recognizable footprint for internet transactions. If the " shipped '' party does not possess their electronic record ( email confirmation of the transaction ), it may be difficult to access the electronic record any other way. Banks tell me they have no information for dot.com transactions. Merchants tell me they ca n't understand and synthesize their records and easily tie the records back to the original transactions. Meanwhile, the interest and fees charged by the credit card mount for the consumer. 
The problem with record keeping starts at purchase. In my case : Dot.com merchants never validated or asked whether the purchaser and the credit card owner were the same. With this, merchants invited the possibility of an unauthorized transaction and bear none of the burden of interest charges and fees or other consequences to the " billed '' party. 

Once the transaction occurred, the merchant 's loyalty was only to the " shipped '' party. Dot.com merchants did not recognize the " billed '' party ( me ) as a legitimate party. Most would not correspond with me, send refund check for returned merchandise to me, share specific information about the account, or in some cases, even talk to me. 

As the 'billed '' party, I received only information on the credit card statement : transaction date, merchant, and total cost. These are not sufficient information to return an item for a refund. 
Ultimately, most of the items have been returned because of my persistance and luck with finding pieces of information. I am left with an estimated {$1000.00} in interest and fee charges. I feel the inaccessibility of information contributed greatly to not being able to return items sooner. 
At risk are those who are not tech savvy, the XXXX, the elderly, who could potentially incur large credit card balances and be unable to trace charges and make returns because of the morass of data surrounding their transactions should they be unable to keep accurate personal records. In the meantime, the credit card company is charging interest on transactions that this consumer is unable to resolve without the merchants ' cooperation. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX account has been paid in full this month on the XXXX 
Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Charge AccountAccount Status OpenOpened Date XXXXClosed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status CurrentDate of Last Payment XX/XX/XXXXAmount Past Due $ 0Times 30/60/90 Days Late XXXXRemarks -- 

Company response: Company chooses not to provide a public response
Consumer complaint: Our account is in foreclosure with BB & T bank, this is a FHA loan and they are the servicer, we have had nothing but headaches trying to work with this company to try and resolve our account, from them offering unaffordable modifications to them telling us we have a credit on the account, when in fact we do not, this is the XXXX time they said we had a credit and in reality, we did not, which brings me to this complaint ... ... ... .... 
On XXXX XXXX, 2015 we received a re-instatement letter from their law firm the XXXX XXXX XXXX, telling us if we pay {$1700.00} by XXXX XXXX, 2015 our loan would be re-instatedwith me being skeptical, because previously, they told us we had {$12000.00} in recoverable fees that should have been a credit, well after doing further research, the bank admitted they were wrong and we never had a credit of {$12000.00}, we had taking money out of our XXXX to bring the account current, only to find out after the fact, BB & T Rep pre foreclosure rep gave us the wrong information, moving on to the latest ... ... ... ... .. 
On Monday XXXX XXXX, 2015 I called the attorney office, re-instatement department, spoke to XXXX, informed him of the letter we received dated XXXX XXXX, 2015, I asked him is this quote correct? he told me yes, this is the quote that was sent over from BB & T bank, I then mentioned to him, we had issues with this bank, telling us we had a credit, when we did not, he told me pay the amount on the letter and your account would be reinstated, I then told him, we could get the funds from our XXXX to bring the account current, he told me we could use the letter the law firm sent us, I asked XXXX could you please give me the credited fees amount and what they are, he replied {$21000.00} they are corporate advances which are credits, they just use another term thanked him call endedI then called BB & T spoke to foreclosure department XXXX, told her of the the letter we received from your attorneys office, asked for the account number I gave it to her, she then turned around and ONCE AGAIN told me that figure is not correct, she will call the attorney office, I then ended the call and here we are once again, this is the XXXX time this bank gave us false information, just another example of the POOR servicing, they have done regarding our loan 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern : In early XXXX of 2015 my wife and I applied for a loan modification from US Bank. After approximately four XXXX months of receiving poor communication, poor service, having to send things multiple times ( some my fault ), not being able to leave voice mails and more, I received a denial. The denial letter stated that US Bank presumably tried multiple options however the reason for denial was the same for all " We previously requested income documentation from you to reconcile income discrepancies found during the review. The requested documentation has yet to be received. '' ( see attached correspondence ). This is a bold face lie. At this point I do n't why I was denied. In any case, I completed an application which was thoroughly completed and included pay stubs. We they asked for more info I gave it to them. Additionally I was assigned XXXX different relationship managers XXXX XXXX and XXXX XXXX both of whom I communicated with many times. 
In the spirit of brevity I am refuting the denial on the basis of XXXX simple facts 1 ) I have always been on time with every payment and therefore a good and loyal client and 2 ) US Bank had already granted me a previous modification for which I am grateful. If they did it once they can do it again. I did not ask for an adjustment to current market rates/terms. All I wanted was to get the same rate/adjustment I had before with the previous modification which is a rate that is still well above current market rates. The current rate I have now is ridiculously above current market rates. In fact it 's downright oppressive. I am not asking for anything unreasonable. I am simply trying to improve my financial situation and I have recently had a drop in my income. I believe US Bank is choosing to do is take advantage of my situation where I have no other options to refinance. If this how there treat loyal clients I 'd to see how treat those you do n't pay. 
Please review my situation and please choose to help me and my family. Again I am only asking for what was clearly available before. 

I will thank you in advance for your help and consideration. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained my free credit report and noticed a XXXX XXXX XXXX Credit card on my report which shows delinquent payments. I never opened a XXXX XXXX XXXX Credit card. I tried to have the credit bureau do an investigation but they keep saying the account belongs to me. In the results document they suggest I contact XXXX XXXX XXXX which I have done several times. They concur that I have never had a XXXX XXXX XXXX credit card. But since XXXX XXXX XXXX has no record of even reporting this to the credit bureaus they are unable to do anything for me and tell me I need to go back to the Credit Bureau again to have they reinvestigate this. I have done this 2 times already with no resolve. I am not sure what to do at this point and want this removed from my report. I am not sure how the credit bureau investigates disputes but when I call XXXX XXXX XXXX and provide my SSS # they bring up my profile and verify that this is not my account. Here is the Account number XXXX .... I am unable to provide that last XXXX digits because I do not know them. 

Please advise. 

Thanks XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all XXXX of credit bureaus and I would like them removed immediately or XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my collections account thru XXXX. They sent requests to all 3 credit bureaus. All but one took it off my report. Transunion still has it on my report. What can I do? I care about my credit report. 
Thanks so much 

Company response: Company chooses not to provide a public response
Consumer complaint: I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This was a fabricated debt from someone who knows the owner of Collection Bureau Inc and used the power they had to file negative information on my credit report to lash out personally towards me after I disputed the debt when I talked to them and requested written information pertaining to the claims of the debt they offered nothing until I filed a XXXX complaint after they already damaged my credit score and good name. The correspondence they sent was nothing on their collection attempts and the party that engage them to do so had nothing as well. This is the perfect example of abusing the system and laws and regulations of collection practices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citi XXXX XXXX : Harassment calls several times a day, for days after making a payment. 
I received a phone call that I missed a payment. It was in fact numerous phone calls thoughout a day. When I called in the automated system to make a payment ( almost XXXX times the amount requested ), I continued to receive the annoying computer generated calls throughout the day. For the day I made the payment, and three days later. Three days later of up to XXXX calls a day each and every day, including Sunday evening, at random times. 
This same thing happned a few months before, were even after making a payment I received numerous calls each day for a few days after my payment was made. After calling in both times to speak to a customer service rep, they acknowledged my payment, and apologized that there system does not recognize payments made on certain days, until some days later. I informed them this is harrassment and no excuse. 

I would like to see that Citi is prevented from harrassing people that have made the proper payment, and calls immediately cease once a satisfactory payment is made. Their calls have interrupted my family and business time, and have been harrassing in nature with the frequency and time both on Sunday and in evenings each night. 

I would like to see this investigated and fined to prevent this from happening to others. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all 3 of credit bureaus and I would like them removed immediately or a XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law. 

Company response: Company chooses not to provide a public response