AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Attached is a copy of a collection letter from ProCollect addressed to my deceased wife, XXXX XXXX, who died on XX/XX/XXXX. Approximately 2 years ago, ProCollect started contacting my wife by phone/mail regarding this debt. At that time I contacted ProCollect by phone regarding the alleged debt and was told that it was for an emergency room doctor who treated her at XXXX XXXX XXXX prior to XX/XX/XXXX. ( I do n't recall the exact year, but it was prior to XX/XX/XXXX. ) This was the first contact that I can recall that was ever received regarding this debt. I verbally explained to ProCollect that it appeared that the Texas statute of limitations ( 4 years ) had expired on the debt and that I could not verify the fact that my wife owed the debt. I disputed the debt in writing and asked for verification, but received no reply. ProCollect has phoned many times ( not less than XXXX times ) and has sent many letters ( not less than XXXX ) to my deceased wife regarding this debt. The actions by ProCollect are a violation of the Federal Fair Debt Collection Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2009 I was offered a program from City Mortgage called HAMP which offered lower monthly rates and 30 years fixed rate.Before getting on the program I was told that I dont have to pay anything until they decide if I qualify or not.I still made payments every month for XXXX instead of XXXX dollars each month.The qualification review took over a year and I got a letter telling me I am not qualified and I owe City Mortgage over $ XXXX.I could n't pay that amount and numerous times contacted City Mortgage to see why I am not qualified.I never got a clear answer why and they did not want to help me.I was told if I could not pay that amount that my house will go to foreclosure.At that time I started to write complaints to corporate and the {$20000.00} got added to my mortgage and I was put on the program which supposedly I did not qualify for.Just now I got a letter stating that my mortgage is now lengthened to 40 years instead of 30 how they stated before.I contacted a loan agent to refinance my mortgage and was told that my rate would not be low due to City Mortgage filing a foreclosure report. 
I was never late on my payments, I was offered HAMP program by City Mortgage and they told me not to pay anything or pay XXXX which I choose to pay.And in the end I am stuck with a false foreclosure made by City Mortgage on my record. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint on Wells Fargo BankI caution anyone attempting using Wells Fargo Bank for a home loan or applying for modification! After a family hardship and falling behind on my payments, I started seeking a loan modification from Wells Fargo Bank, starting over two years ago. In this past year I was denied XXXX complete times, getting XXXX complete different reasons after each appeal. My first denial I was told by Wells Fargo I owned a company and made too much money. ( I have never owned a company in my life. ) The second denial was because I did n't make enough money. ( I know by the guidelines I do. ) Then I got denied once again because I have equity in the home. While speaking with Wells Fargo employee two days ago, they came up with another reason stating, " It is a interest bearing loan '' and " The loan is too far behind for modification ''. I have also been told by Wells Fargo employees such statements as " If your modification comes across my desk again, I 'm not dealing with it ''. Another statement by a Wells Fargo employee was, " That its important that I make my house payments or I would not be in this position ''. I feel these statements were very inappropriate! I feel that if Wells Fargo would of been legitimate this modification could of been done a year ago. Now I have a sell date on my home on XXXX/XXXX/2015. I am meeting with lawyers on XXXX/XXXX/2015 to see where I can take this. I 'm not asking to live anywhere for free. I just want to get back to making my payments and keeping my family in my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Penn Credit Corp., XXXX, has robo-called my house at least XXXX times over the last 6 weeks with a recorded debt collection message for a relative who has not lived at this address for 12 years. The message warns of a past due debt but provides no information other than a demand to pay the unnamed debt or to call to make payment arrangements. The actual debtor is not identified and I am certain is not valid. The robo-calls are always after XXXX in the evening. There is no apparent alternative to stop or even address the validity of these debt collection calls without calling Penn Credit Corp. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We submitted an offer of XXXX in XXXX 2015. After review, the loss mit specialist assigned, XXXX XXXX, advised that the net to investor had to be XXXX. The HUD was adjusted to accommodate this request and submitted to Lenderlive XXXX/XXXX/15. We were told the appraisal would expire and had to close by XXXX/XXXX/15, which we agreed to. We called, emailed, and tried to follow up through XXXX/XXXX/15 with no response. When we spoke to XXXX XXXX in mid XXXX she advised that XXXX was no longer the contact for this file. She said the file would be submitted to the investor for review and requested the appraisal expiration date be extended. Around XXXX XXXX we received a denial letter stating the net proceed to the investor should be {$190000.00}. We were told the appraised value according to the VA was XXXX. The XXXX have never received a copy of this appraisal, though requested. The investor is asking for a net amount more the the value of the property and more than the XXXX that we were told was the net amount the VA required based on the XXXX value. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I started receiving many calls from numbers I did not recognize. It is an issue in the fact that at times they did not leave a message at all and others, the voicemail that was left did not have anyone talking to me, just noise in the background. On the instances that I have answered any of these calls, the caller recited that it was " a recorded call and an attempt to collect a debt, '' in which I responded by requesting that they stopped calling. These calls have not stopped. I have received them at all hours of the day, sometimes back-to-back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. 
I dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and " pocket '' this credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: im unaware of what the XXXX derogatory creditor ison my cbr-i disputed it and nothing has been removed or investigated acct sold to worthless debt buyers that put it on my credit bureau report-transunion and the rest. i have only credit cards mastercards and i only use avout 3 percent of my limit and pay in full each month. this derog item caused my credit score to deop from XXXX plus to XXXX i want it investigated and removed. i have never heard of this collection debt buyer company before.please help me-they show XXXX balance on cbr under derog-this is my only item that is bad. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My mortgage servicing was sold to Green Tree/Ditech as of XXXX/XXXX/2015. I made my XXXX payment to my prior servicer XXXX XXXX XXXX by XXXX/XXXX/15, before the cutoff date of XXXX/XXXX/15 for the servicing transfer. My loan was transferred as of XXXX/XXXX/15 and when the loan was boarded, my escrow portion of my XXXX 2015 was missing. I contacted Green Tree on XXXX/XXXX/15 when I was making my XXXX 2015 payment and noticed they were showing me as delinquent. I put in a dispute on XXXX/XXXX/15 and as of today, 60 days later there has been no resolution to my dispute and Ditech is showing me as being late and have started to charge me late fees. I sent proof that I made my full payment for XXXX 2015 ( copy of my bank statement showing the full payment posting out of my account as well as a copy of the last statement I received from my last servicer, XXXX XXXX XXXX, showing that I paid the full XXXX 2015 payment and that my next payment was due for XXXX 2015. ) 60 days is far more than enough time for Ditech to verify I made my payment and bring my loan current. I have called XXXX times since XXXX/XXXX/15 and have not received any resolution from Ditech except a couple of letters after I called, saying they are still researching the dispute. Every time I call the representatives or supervisors ca n't give me any information except that they are still researching the issue. Ditech has also sent me multiple statements for the same month ( XXXX 2015 ), with different regular monthly payment amounts due and no explanation as to why the amounts have changed. I can see that the escrow portion is different, but there is no recent escrow analysis done on my account, I can see that information on the Ditech web page. My loan is not being serviced according to HUD, FHA or RESPA standards. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have been approved for a loan modification by the Servicer SPS andthey continue to foreclose on my family even after I have reached out tothem several times for help. They are clearly ignoring our cries for helpalthough we have qualified and have been approved for a loan mod. 
I have spoke to several different reps ( XXXX in all- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX @ XXXX XXXX XXXX @ XXXX and XXXX @ XXXX XXXX ) All of them gave me the run aroundevery time I called and they said that the foreclosure would be stoppedand that I would not lose I home because we qualified and they weresending the approval by mail which has not arrived yet. However theTrustee sale is set for Monday XXXX XXXX, 2015 by XXXX XXXX who I also called to request help and all they saidwas to file bankruptcy which is the only option they claimed I hadto save my home. I am very frustrated and scare about the foreclosuresale date and have not been able to get anyone to confirm the stoppageso I still face losing my home on Monday. I need help to stop theServicer from foreclosing on my home. They have negligent and abusivetowards us and now they want to steal our home and kick us out onto thestreet and be homeless. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX, my family began using XXXX sell phone service until XXXX XXXX. That was no contract service with easy pay in place. 
After we changed the mobile phone provider with XXXX wireless, XXXX did not stop to charge my wife 's credit card for XXXX /months. I e-mailed XXXX and they stopped the charge. 
On XXXX/XXXX/XXXX, I received a letter from " Enhanced Recovery Company LLC. '' three months after they reported it to the credit bureau. The debt is not mine and this damaged my credit score tremendously. This cost me to have higher payments and interest fees. This needs to be fixed in a quick manner. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been told several times by Citibank that I am a preferred client. I tried many, many times to determine why I could not pay the IRS with my Citibank online BillPay account. I finally received a letter from Citibank stating " this service is no longer available for the IRS, as we have encountered servicing issues with them. '' I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

I complained to Citibank and asked XXXX ( XXXX ) very SPECIFIC questions, as follows : Why did n't Citibank give me this information in the first place? 

Why did I have to drag ( XXXX TIMES!! ) this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I even stated my expectations in my complaint, as follows : I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions. 

I received a Citibank letter, dated XXXX XXXX 2015, which is attached. 

CITIBANK, OF COURSE, DID NOT ANSWER MY XXXX QUESTIONS! 

THE LETTER WAS JUST ANOTHER EXAMPLE OF POOR COMMUNICATIONS FROM CITIBANK! 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximately a year ago I applied for a VA mortgage loan through DHI Mortgage in XXXX XXXX, FL. after submitting {$5000.00} deposit on the house. For several weeks two or more individuals withing this organization requested financial information which was provided as many as XXXX times either by email and/or fax. During this ordeal I was assured numerous times that any of the items provided was the absolute final item needed ... only to followed by yet numerous additional items ad nauseam. The process became so overwhelmingly redundant with unprofessionally absurd with duplicative requests. When it was an obvious given that DHI had no intention of approving the loan, I requested my down payment returned which they denied under the blatantly false pretense that I refused to provide them with information. A stalemate was established in that DHI vehemently refused to approve or deny the loan so that the {$5000.00} did not have to be returned. Under advice from my realtor, I sought another home through another builder which happened to be of greater value with another lending institution. Providing the very same financial information provided DHI days/weeks prior, my loan was approved smoothly for the new home purchase. During this more professional association, we were complimented on how pleasant it was to have effected the loan in an expeditious manner including the submissions of financial information in a concise and accurate, timely manner. Additionally during the time frame just prior to the DHI ordeal, my primary residence was refinanced which was a second mortgage loan approved by yet another lender ... again with the same financial information provided. Bottom line ... DHI refused to approve the VA mortgage loan purposely to prevent refund of down payment! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We applied for a Wyndham Rewards Visa Card serviced by Barclays with a promotional offer that we will receive XXXX bonus points when we make the first purchase with the card ( Wyndham would provide these ) and XXXX extra bonus points when we spend {$1000.00} in the first 90 days ( Barclays would provide these ). We made {$1000.00} in purchases in the first 90 days and it has been several months but we still have n't received the XXXX bonus points. 

After calling both Barclays and Wyndham several times ( they would both tell me the other was responsible for the points and they had nothing to do with it! ), finally Barclays agreed that they were responsible for the points. However now they have a new theory that since my account is not in good standing they wo n't give me my bonus points. I have a credit of {$38.00} on my account for several months now ( yes I overpayed and Barclays owes me money! ). 

On probing further they revealed that there was a late payment on the account. In reality the late payment was due to a Barclays error and not mine. I had setup an auto-payment on the account almost a month before the next payment was due and upon completion of the setup the confirmation screen told me to cancel any scheduled payments to avoid a double payment which I did since I did not want a double payment. Fast forward a month Barclays did not process the auto payment on the due date. I noticed it within a couple of days and called Barclays customer service regarding the same. The representative accepted the error on their side and reversed the late payment fees and processed the payment for the account for that statement. 

Because Barclays made that mistake on their end I had to go through the inconvenience of giving them a phone call in the first place. Later citing their mistake as a reason they do n't give me my bonus points ( without any communication! ) and are just using it as an excuse to avoid giving the XXXX bonus points which they are contractually obligated to. 

Moreover on top of the fact that my account is in good standing and the error they have noted was an error on their side, the contract never mentions anything around the account being in good standing or not. It plainly says that after spending {$1000.00} we will get those points. Barclays is plainly trying to give excuses to avoid giving those bonus points. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that " XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for " XXXX ''. " XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. " XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Bank of America. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Bank of America is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint here earlier this year about XXXX. Since i filed the complaint the company claimed they send a letter to the credit bureau to remove the account from my report. XXXX and XXXX deleted the account but XXXX still reporting the account as collection. i called the company few times about XXXX, they said they already send a letter to them but when i disputed it XXXX said the company respond the debt is valid. I disputed the account again two weeks ago again XXXX said the conpany respond the debt is valid. This account is a bank account my exwife open with Citibank and went into collection. I do n't know whats their situation with her i just want to know how the account related to me. If this was a joint account then as i requested before, i 'm requesting the copies of the identification i used and the page i sign. I understand it 's their job to collect, well it 's my job to verify to debt they 're collecting. The Fair Debt Collection Practices Act, gives me the right to request validation of this debt. i have requested it, it was n't provided to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: As the result of the complaint I filed against XXXX and they sold my Loan to Select Portfolio Servicing , Inc with my monthly mortgage still going up. They want me to pay XXXX a month for a house valued at XXXX maximum. I am petrified to try again to get a loan modified or try keep my home. I contacted a counsel from the Homeowner Hotline she and I spoke with representation for Select Portfolio Servicing , Inc. asking for a short sale. They agreed finally and gave me XXXX XXXX a Real Estate Agent they use from out of Georgia. He came out to my house, took pictures and place them in XXXX along with a sign in my yard and a key in the lock box on my door. Select Portfolio Servicing is telling me that they did agree to the short sale or any other arrangement relating to my house. I have taken all of their calls early in the morning and in the evening hours repeating my intentions and sending any required documentation to them. My desired resolution is to put all of this behind me and the opportunity for a short sale. 

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