AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: For the last several years my mortgage company has continued to call and harass me about my payments. Here it is in a nutshell, I asked XX/XX/XXXX if i could make my payments at the end of the month since i get paid at the end of the month, the company said yes. Well, when that happened i was charged late fees, i called and asked why would you tell me something like that, they said that when you signed your mortgage it as signed for the beginning of the month. In order for me to do that, as far as making payments toward the end of the month, it will cost XXXX extra a month for each mortgage, I have XXXX mortgages XXXX and XXXX. I ask them to explain and according to wells fargo aka america servicing company that it cost monthly to reprocess your payments, and the XXXX a month addition would be for the life of the loan which is 30 years ( Monthly for 30 years, even though it is not written in their clause ). So at this point, I pay my mortgage on the XXXX of each month, and late fees has piled up but when i look on my credit report it says current, which means that they are trying to take advantage of a high interest rate homeowner, 9. 25 %, and 12.25 % ... ... .since XXXX I have been trying find companies that would refinance me but to no avail every company wanted money upfront even HUD , so Im stuck, and on a XXXX salary no one wants to help a XXXX and his family.. I have them on call blacklist, and they call every day three or four times a day. Can someone in your organization help me????? or do you need money upfront. the only time they dont call is when they get paid, but that only last from the the day it hits their system as a payment until the XXXX of each month, however these last few weeks they have been harassing me daily and it needs to stop. In XX/XX/XXXX, I applied for a loan modification, and they rendered a decision according to them - Our investors ruled that a you dont qualify for a modification- when I called and ask for an explanation, Wells Fargo told me that there was not explanation and that an explanation was not warranted, in other words, the XXXX with giving a reason, just take what the decision that is being dealt to you.. I would love to have an attorney who could help my family, I wish we could have a company that is about the homeowner, and not the mortgage company, A good friend once said, " Good luck with that " So here we are!!!!!!!!!!!!!!!!!!!!!!!! Whats next??????????????? From an underpaid educator, with high end interest, with a crooked mortgage company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Inability to regain control of my student loan account after financial hardship because late fees are outrageous and unable to gain a forbearance unless you are paid to current ;. Can not be current on the lawn without the forbearance due to not making enough money to make the extremely high payment amount. 

I can not choose all XXXX repayment options listed below, however, all XXXX options apply. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX, I entered into a repayment plan with my Citibank credit card. I received a letter outlining the new terms and conditions. I did not have a delinquent balance on my credit card at this time. I was told by Citi 's representative that I could make my all payments online. On XXXX/XXXX/XXXX, the due date on my credit card, I was not able to make my payment online. Citi 's online system does not allow payments when you enter into a repayment plan. I made my payment over the phone on XXXX/XXXX/XXXX and my payment posted to my Citi account on XXXX/XXXX/XXXX. Since then, I have been getting calls from Citi at all hours of the day. Calls are harassing in nature, are intimidating, and plain bothersome. My son and I called Citi to find out why we were receiving so many phone calls. Citi 's response was : I made my payment late for XX/XX/XXXX, and I still owed a past due amount ( for XX/XX/XXXX & XX/XX/XXXX ) and that negative reporting to the credit bureaus would continue. I responded by explaining why I made my payment past XX/XX/XXXX ( explained that I could no longer make payments online ), explained that I had agreed to new terms and conditions for the repayment plan, and that I did n't think it was correct for Citi to continue harassing me with phone calls and negative credit reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive collection calls before XXXX ( my time zone ) at least once a week from XXXX regarding a XXXX XXXX Credit Card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I report fraud and there was negative items in my credit report, XXXX and XXXX delete most of these items but Experian never delete any of these items and not allowing me to disputing it any more. 

Company response: Company chooses not to provide a public response
Consumer complaint: Two years ago, XXXX 2014, my business and life partner of 19 years left me. He suffers XXXX and has for the last 5 years been unemployed. When he left I was left holding the bag on our debts and assets and trying to piece back together my finances and credit score. I have cashed out my retirement accounts, that I am allowed to before age XXXX XXXX and paid off over {$150000.00} in debts. Bank of America ( BofA ) settled with me on a home that I own in XXXX XXXX, VA and a rental property I own in XXXX, VA. Both of these properties have lines-of-credit associated with them. 
Both lines of credit are now closed and I have reached a settlement with BofA on both. I attach the XXXX letters for evidence. Note that neither letter indicates anything about a BofA policy of continuing to report the sums as delinquent. Neither of the folks with whom I settled the accounts mentioned that in our discussions. I do not think a reasonable person would have assumed that their credit report would continue to be ruined until the last payment on each of the lines of credit was made. 
During the process of getting my finances under control I was advised to take bankruptcy, I have not and do not plan to. I have worked diligently to repair my credit rating. I have been able to open XXXX charge accounts that I am current on to help rebuild my credit, my score has improved. However, BofA still shows that original balance on these XXXX lines of credit on my credit report. They also show the original amount as delinquent, even though we settled on a lesser amount and I have been making monthly payments as per the agreements since. I have contacted BofA twice to ask that they show these debts current, because they are. They have told me that it is against their policy since there is now guarantee I will make the payments. This strikes me odd - if I do n't make the payments then they should report that to the credit bureau, like any other debt. I contested the XXXX lines of credit showing up on my credit report with the credit reporting agency and still both amounts show up as delinquent. I would like the XXXX BofA credit lines to show as current and not delinquent on my credit report. 
My cell is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My office phone at the XXXX is : XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian. I just do n't get them, maybe just " good enough '' is OK these days. 

1-The XXXX XXXX account, the last line, there was NO bankruptcy filing in XXXX of XXXX 2- XXXX account, we gave gone round and round, all they did was delete the XXXX history. Both XXXX and XXXX deleted this account, I sent that info last time to you. 
What is n't addressed : This account was paid through the court in my chapter XXXX and discharged. to report anything different is a violation. Either they sold the account and received funds ( it was actually sold to XXXX XXXX ), who also received a check from the Court. It was sold, when? how come it says {$7000.00} written off? They are in violation of court case : In re XXXX, Case No. XXXX ( XXXX XXXX XXXX/XXXX/XXXX ) ( XXXXXXXX., XXXX ) you ca n't report erroneous or false information. 

" If the Credit Union is going to report on this debt and the receipt and timeliness of payments ( and the Court is not suggesting that this is required ), then the claim as altered by the confirmed plan, rather than the original loan agreement, should form the basis for the report '' Also, they never miss an opportunity to offer a score for {$8.00} dollars, what a scam-see attached " Results Notice '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Primary Residential Mortgage, Inc. ( XXXX XXXX, Division President, XXXX XXXX ) lost my buyer a house and earnest money. From XXXX XXXX to XXXX XXXX the lender was not able to get underwriting approval until the seller finally accepted another offer. For months, it went back and forth to underwriting with " XXXX more piece of information needed ''. We executed XXXX and my buyer still lost the house. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Waiting on XXXX to go through and husband is on XXXX leave which was explained to them. I do make at least a {$50.00} payment when I can. They call about 4 times a day on my cell phone and 4 times a day on my house phone alternating them house phone then promptly after my cell maybe wait an hour or two and do it all over again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We first attempted to modify our loan just over 2 years ago with Wells Fargo. Since then, there have been 2 more attempts. In each case, we were assigned multiple negotiators from Wells Fargo, and the standard practice was always the same!! Ask for condition, after condition, after condition, until their 90 day time limit to complete the modification would expire, at which time they would blame us for not completing the paperwork in a timely manner. This would trigger them to toss out the file, and make us start all over again. Not only would they condition us to death, but another tactic they use is to simply say they ca n't find what we sent them in their system. Let me tell you that I am a very well educated man, working as a XXXX, so I know how to XXXX. The debt ratios we had during the first to attempts to modify our loan were right in line with what Wells Fargo needed to approve us, but instead they chose to string us along for over 2 years. There is a clear case of Dual Tracking here, and we can prove it with over XXXX saved emails going back and forth with Wells Fargo. We also have a good friend with over 28 years experience as a XXXX, that looked at the overwhelming evidence we have, and said we have a winnable case against Wells Fargo. All we want is to modify our loan, which happens to be a pay option ARM. There has been a Notice Of Default filed by Wells Fargo, but no sale date posted at this time. We have XXXX PDF files we would like to send you that will prove our case. In addition, our mortgage broker is willing to testify that Wells Fargo lost numerous documents we sent to them via email over this 2 years time period. Please Help Us ... ..So we do n't lose our house!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing to file a complaint regarding the Bloomingdales American Express credit card, which is issued by Department Stores National Bank and/or Citi N.A. On or about XXXX 2015, Bloomingdales transferred the administrative responsibilities for their American Express product to Citi NA. Since that time, I have been unable to access the website to pay this account in a timely manner. Furthermore, since I no longer receive a paper bill it makes it nearly impossible to pay the bill for this account unless I actually call the Department Stores national Bank customer service line. Bloomingdales has publicly noted that their payment website has been having issues since XXXX 2015 ( see attached email from XXXX XXXX, 2015 ), but has not done anything to remedy the problem in the intervening period ( see attached screenshot from XXXX XXXX, 2015, blocking access to the Department Stores National Bank/Citi website ). It is obvious at this point that the problem goes beyond mere technical problems, and may be an effort by Department Stores National Bank/Citi to increase late fees and other charges by denying consumers timely access to the credit card accounts and statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for '' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I requested to receive all three of the online credit reports at XXXX and was able to access XXXX and XXXX. I noticed a difference between reports and attempted to dispute the XXXX - XXXX XXXX XXXX Loan Amount. When I completed dispute, for Security Reasons the system booted me out. When I returned, it indicated I completed review of ALL XXXX credit reports. This is False as I could not longer logon again. I 've requested Experian provide me a link to retrieve my FREE Experian Credit report. 
Issue at hand : My Identity was misused by XXXX XXXX XXXX who was assisting me to purchase a property, XXXX XXXX, 2008, which he still owns. He used a Fraudulent Financial Institution : XXXX XXXX XXXX, Owner, XXXX XXXX, Used a Fraudulent Escrow Officer, XXXX XXXX with Fraudulent Escrow Co. XXXX, sold loan to a Fraudulent subsequent Financial Institution : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. Looking to EXPUNGE Fraudulent and Delinquent Bill from unknown Financial Institution. It 's not my Loan. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Consumer Financial Protection Bureau - Case # XXXX Macy 's account ending in XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been getting the run around from my lender regarding my loan modification. They are looking for every reason under the sun to deny my modification, and sell my house. They do n't return calls, emails, or any correspondence that is sent to them in a timely fashion. I have provided all information that was requested and they just wait until it is too late to make any decisions. I 'm a promised a phone call never received a return call. This process is frustrating and criminal at best. I take responsibility for my role in this unfortunate situation however when you speak with a " relationship manager '' that appears to have your best interest at hand you quickly realize they just want to see that final date then pass the buck so you ca n't correct what might be wrong. They act is if they care but they just do n't, they only act like that until the final submittal date and then its like crickets trying to get someone to help you. Hello, hello anyone there!!! You do n't hear a word, I was reading my paperwork and it clearly states in the document that " they ( the lender ) may find that we need additional or updated documentation from the borrower to complete the review '' but they never call you or contact you to tell you what you may need. Its is very frustrating I was so hopeful that I would be able to save my house. Last week when I finally reached my relationship manager she informed me that I had to correct a statement in my packet ( two days before the deadline ) she told me to submit a letter and also include recent check stubs for my significant other which I did within hours of her request. Four days later they tell me that the letter had to be notarized ... never in her conversation did she say have the letter notarized so they said because I did n't have that letter notarized my packet was incomplete and my sale will go through and I will lose my house in five days. I finally spoke with my relationship managers supervisor last night and she was going to listen to the recording and call me this morning, have n't heard from her! My situation and circumstances have changed, I truly believe my lender could get all their money back if they would just work something out. Just in the last quarter my financial situation has changed dramatically but they just do n't care. The loan modification program is filled with loop holes, it leaves people feeling hopeful until it 's decision time then they fill all the hope with despair and grief. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage company did not pay homeowner 's insurance. My insurance payment was due XXXX/XXXX/16. I 've sent several emails to this company and have not received a response. Today i spoke with a representative and she stated i am supposed to pay my own insurance, however my HUD settlement states the extra amount paid into my escrow account is to cover homeowner 's insurance and property taxes. I sent this HUD settlement to thema gain today. She said they will get back to me by XXXX XXXX but my insurance is already far past due. I 've attached a copy of the insurance billing that shows it was billed to mortgagee. HUD settlement is also attached ( PASSWORD IS XXXX ) on page XXXX shows that homeowner 's insurance is included in the escrow payment and mortgagee is responsible for paymet. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called in regarding a debt that was being collected on. I was calling to dispute the debt and was not advised to write a letter stating the dispute. I called back in to verify and was hung up on. The third time the agent was correct in saying I needed to write a letter ; however, it was after I stated the requirement. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Best Buy credit card on XXXX XXXX, XXXX. My payments have been on time every month until XXXX XXXX. The due date was XXXX XXXX and with the excitement of the holidays and being out of town for New Years, I missed the payment. After I paid both the XX/XX/XXXX and XX/XX/XXXX amounts due well before the XX/XX/XXXX due date, I messaged Best Buy via secure messaging through their website requesting a late fee waiver. I was sent a standard response stating the fee could not be waived. I asked a 2nd time and mentioned that most companies strive to treat each customer fairly and on XXXX XXXX, XXXX, my fiancee also opened a Best Buy credit card. She missed 1 payment prior to XX/XX/XXXX so her history with the company at that time was even shorter than mine is now but her late fee was promptly removed upon her request, also sent via secure messaging on the Best Buy website. I let them know that I expect the same courtesy to be extended to my account. These accounts are in no way related so it 's not that we had already received our XXXX waiver per 12 mos. as is the policy for most banks. The 2nd secure message I received from Best Buy was the same response I received the XXXX time, a standardized message that was copied and pasted, again denying my request for a late fee waiver. I did some research on UDAP to see if they were allowed to grant a waiver for XXXX customer and not for another and actually found that the Card Act specifies the XXXX late fee on any credit card account should not exceed {$25.00}. Citi Bank, which finances the Best Buy credit card, is charging {$27.00}. My fiancee also works for a bank and they only charge {$25.00} for the first late fee. So not only is Citi Bank/Best Buy treating customers unfairly when asking for the first late fee waiver but they are also charging more than the {$25.00} standard the Card Act legalized. I would like this looked into in order to see if they are violating both Card Act for charging {$27.00} and UDAP for inflicting monetary harm on more than XXXX persons ( every customer charged {$2.00} more than the legal amount for their first late fee will add up to a lot ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had at least XXXX occasions where i was working with wellsfargo and they waste time going back and forth and after i get all documents to them as they requested they would then turn around and say that we didnt get the documents, Can you send them again to then turn around and say we are sorry but we can not help you. 
First instance was trying to get a mortgage modification in XXXX it took 6 months after going back and forth and resending documents that they request and being told that we can help you, to send in a trial payment for 3 consecutive months and then we can decide later. Which never happen, at all times they would have an escuse as to why they cant help me or work with me to save my home. I have went as far as hiring XXXX different legal firms to help me modify my mortgage, however, they were just as bad. XXXX of them i never got my money back after they promised me that they can get my mortgage rate and payment reduced. After so many attempts to get some help from them and them constantly changing the account specialist. I strongly believe Wellsfargo is not interested in helping its customers save their home because if they are, it definately doesnt seem that way as they make the process too complex, no XXXX representative is accountable and they wait until the time runs out when you need to have an answer always with the same response we didnt receive all the documents as requested and after further review we are not able to help, so un fair, i have had it. My most recent experience after several attempts to get my mortgage modify is trying to get a short sale approval. My agent worked diligently with the correspondent and after i send in the information and she did as well to them and with such a surprise close to the sheriff sale date. I surprising receive a letter not a phone call or email prior to but a generalize letter that says we have not received all documentation up to this date and we regret to inform you that we will not be able to proceed on your request for a short sale. I dont understand as we sent everything in to them and when my agent call their contact person 's response was you were to fax or mail all the documents, not email. Which blows my mind as they have been communicating via email for all request and didnt request that it all be fax. They received it via email weeks in advance and why didnt they call or email back and say pls fax as well?. They are so discouraging to deal with as i was already having a hardship and sincerely needed the help to reduce my payments and they didnt help. Now im trying to save my credit to do a short sale and they also dont show any sincere assistant to help make the process go thru. Just sending out letters is not the best way to communicate or the most effective when its a time sensitive or urgent need. 

Company response: Company chooses not to provide a public response