AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I keep disputing an open collection account from XXXX XXXX. I have contacted this company and Experian to remove this negative information from my credit report and they say they investigated the matter and it just keeps appearing after 3 years. It is also showing on my idenity guard account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX and am writing this letter to advise you that I had a mortgage loan with wells fargo. I had been trying for some time to try and work out a loan modification to get caught up on my delinquent loan and bring it current and start making payments. We had gotten approved for a loan modification in XXXX of XXXX and received a package that we notorized and sent back XXXX XXXX, XXXX, Wells fargo advised us on XXXX XXXX, XXXX that they had not received the loan modification paperwork and closed the file out voiding the loan modification they had qualified us for. The next day that we contacted wells fargo, they had notified us that they had just received the signed and notorized loan modification paperwork, but that is was too late to honor the agreement since they had not gotten it on time. we appealed their decision and re-appealed it, yet our request went on deaf ears. We reapplied again for a loan modification, but had a difficult time trying to get the file to underwriting since wells fargo was always requesting information that we sent to them numerous times. 
This went on till XXXX XXXX, XXXX when the were not willing to stop the sale of my home and sold it to foreclosure. Let me mention that we had applied right after the loan modification they had offered us was denied with the same information that we had previously been qualified with, but wells fargo turned us down, because we did n't qualify, yet it was the same information we had previously applied with and been qualified with??? I 'm asking that your organization please intervene and ask wells fargo why our numerous request since XXXX of XXXX went on deaf ears. They never were willing to work with us since that time? I may be contacted at XXXX or XXXX. All I was asking from wells fargo was a fair shake and I felt they never gave us that since XXXX of XXXX. My husband XXXX XXXX passed away in XXXX of XXXX and when we had re-applied in late XXXX of XXXX for a loan modification wells fargo informed us that nothing had changed since their last review in XXXX of XXXX so they were no able to offer us any loan modification workout. I was taken back with this response since my husband had died in XXXX and I faxed them the death certificate proving he had passed. I tried again on XXXX XXXX, XXXX and was told to fax in all the required information again the very next day I was told that the file had been closed, because again nothing had changed since the review of XXXX XXXX and I had exhausted all my loan modification options. 

Company response: Company chooses not to provide a public response
Consumer complaint: The following message/alert from Citi Cards has been showing on my online account homepage for several weeks : " We have reissued a new Citi ( R ) XXXX ( R ) with the same account number as your current card. A new card is being mailed and should arrive soon. This replacement card may have been requested by an authorized user ( s ) on the account or is a new card being issued to you by Citi. '' An authorized user did not make a request, so I knew the card was being issued to me by Citi. I did not now what for, but I assumed it was to replace my current card with an expiration of XXXX XXXX, 2015. Today, XXXX XXXX, 2015, I utilized online chat with customer service to find out where the card was and was told the card was issued on XXXX XXXX, 2015 and should have been mailed 7-10 days prior to this date. I was even more confused so I called ( by telephone ) Citi customer service to find out exactly when the reissued card was mailed. It worried me very much that the card had been lost or stolen if in fact it was mailed months ago. The representative told me the card was n't even mailed yet and since my card expiration date was n't even until the end of XXXX, that it would not be mailed for several more weeks ... which I was expecting anyhow since again my card was n't even near expiration. Citi needs to fix this apparent technical glitch that shows the " mailing message/alert '' online so it does not cause worry for customers wondering where their new/reissued cards are located. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX and I am {$100000.00} in debt. 
My entire life I was told that I should go to college. I was told I would not get a good job without a degree. My dream was to go to XXXX and when I found XXXX XXXX XXXX I thought my dream had come true. The Financial Aid offices said I could go there as long as I took out loans. I was told that once I got my degree I would be able to pay them back based on my income and I would make enough to support myself and pay back my loans ; none of which are true. I began working full time to support myself and ended up needing to drop down to XXXX credits and spent a fifth year getting my degree. If I did n't work I would 've had to leave. My 2nd year-4th year I officially moved to XXXX, was paying New York taxes but I could not become a NY resident despite this and was still subject to out of state tuition which was significantly higher. I disputed this several times but as long as I was in college I was not a resident. 
To pay for school I took out {$76000.00} in private loans ( Citi bank- citi assist ) and approximately {$25000.00} in Federal to get my degree. I have been paying each loan on time for 4 years and I still owe more than I borrowed. My interest rates vary from 3 % to 10 %. A few years back I spent 1 month out of work and requested a temporary deferment on my loans. I knew I could resume in 30 days time and just needed a one month delay. Citibank sold XXXX of my loans to XXXX who then hiked my interest rate up to 10.875 % There is no end in sight for me. I will never own any property. I wo n't get married. I am stuck in an endless cycle refusing to default as my father was my cosigner. This is my life. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a hardship last year. I was granted the hamp program the point of contact that I had throughout the entire process did not follow the loan through she never sent me the information that my loan was approved and the exact start date, my loan was approved in XXXX and I was informed in XXXX so when I started the loan modification I was one month behind I reached out for assistance and they said there was nothing they could do I would have to try to make that monthly payment on my own, then I became two months later down the line and eventually three months so, they told me I was in foreclosure and I would not be eligible for the program unless I it was 24 months after the program that I had, received I went back and forth with this mortgage company and still was unable to receive any assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Eight years ago I took out a payday loan from Cashcall/XXXX. I paid them back and the matter was closed. However, almost immediately after my husband XXXX ( he is ion the XXXX XXXX XXXX ) in XXXX of 2014, I have been receiving threatening calls from random phone numbers all over the US saying that I am going to be served with papers and my wages are going to be garnished if I do not pay my loan. They also try to get me to pay them what I owe right then and there so I would not get served with the fictitious papers. Of course, I have never been served and my wages are just fine. I know these are all scams so I ignored them. 

The other day I returned a missed call on my cell phone. The area code was XXXX, which is XXXX, New York. I returned the call because my husband just transferred his GI Bill to me and I am trying to use it for XXXX school, so I believed this numbered belonged to the Regional VA office that is in fact, in XXXX. Instead, it was a no-name debt collection office saying that Cashcall has referred my past due account to them because I owe them {$8100.00} on a loan I took out 3 years ago. I did not take out a loan 3 years ago. 

Once more, I was told my wages will be garnished and I 'm having papers filed against me and I will be served. The woman I spoke with told me that they have already attempted to serve me with papers multiple times at my old address, which is my parents ' address, which has never happened. 

Although I am very confident this is a scam, it has n't ceased, and as someone who was once in a poor financial situation, it makes my XXXX every time! I am really at my wits end, and I can not imagine how many other people experience this, and how many other people actually actually pay out of fear. 

These people obviously know that I previously had a loan from Cashcall and now using this information to prey on me. All of their claims are absolute nonsense, but it still makes me extremely nervous. 

The phone number I called was ( XXXX ) XXXX. 

Alos, here is a list of the other phone numbers:XXXXXXXXI do not know how to proceed to stop these scammers from bothering me. It seems to be quite an elaborate operation! Again, although I am pretty confident it is a scam, it is still scary. And for the sake of all the other people who go through this, someone needs to step in and get these people. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: After making several requests for assistance, I was denied an application to save my home. Because my loan defaulted ( I was unemployed briefly, then accepted lower paying jobs, to be employed ), I was not allowed to make payments in order to keep the delinquency from growing. I requested a mediation from the courts and was granted a conciliation, which was just a meeting to discuss the options, to which I finally received an application. NOTHING was actually mediated. My application was denied due to FHA guidelines - there must be at least 24 months before I can receive a modification from the execution of the last XXXX. The last XXXX I received was prior to my losing my job. I requested multiple times forbearance to allow payments until the 24 month period expired and was denied, even though the Foreclosure was suspended, according to Wells Fargo. After contacting FHA/ HUD , I was advised that Wells Fargo can actually take over the loan and modify it. Wells Fargo also filed for summary of judgement. It is evident that Wells Fargo has no intention or desire to help homeowners keep their homes. I am not even requesting a lower payment, just a re age or something that will allow me to make payments again. I want to honor my debt and keep my home. I have worked incredibly hard to improve my financial status for a year now and that has happened, but Wells Fargo is clearly more interested in spending money on lawyers and foreclosures than helping borrowers in financial crisis. 

Company response: Company chooses not to provide a public response
Consumer complaint: I, consumer, attempted to settle this debt with this original creditor by sending a settlement agreement on XXXX/XXXX/15 ( certified letter no. XXXX XXXX XXXX XXXX XXXX ). Consumer is seriously considering filing bankruptcy if debts can not be settled and removed from consumer 's credit reports. Consumer has not received a written response as of the date of this complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian Information Solutions , Inc. violated the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian failed to by its own admittance : ( 1 ) to use reasonable procedures to assure maximum possible accuracy of the information in its credit reports under15 U.S.C. 1681e ( b ) ; ( 2 ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file '' when information is challenged by a consumer under15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experian Information Solutions , Inc. violated the Fair Credit Reporting Act section 611 ( a ) ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, ProCollect Incorporated has violated the Fair Debt Collection Practices Act. 

Section 805 ( c ) : states that collection agencies must cease contact upon request, unless further efforts by this company are being terminated. 

Section 806 ( 5 ) : states that a debt collector may not engage in any conduct of which is to harass i.e. causing a telephone to ring continuously. 

Section 807 ( 5 ) : States that a debt collector may not threat to take action that can not legally be taken. 

Section 807 ( 8 ) : States that collection agencies must report that a disputed debt has been disputed. 

Section 809 ( b ) : States that if a consumer notifies the debt collector within the thirty-day period ( a ) that a debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt. 

Be advised that claims made by the creditor have not been validated, and have been disputed twice, while collection efforts continue. Since notifying this company that I was aware of these violations, they have sold the invalid debt to another collection agency. 

ProCollect Incorporated has committed acts of harassment and abuse of discretion, or otherwise not in accordance with federal law. 

Company response: Company chooses not to provide a public response
Consumer complaint: 3 years ago we moved and our final bill was paid to XXXX. A few months later I received a bill from a collection agency in the amount of {$280.00} on behalf of XXXX. I immediately contacted them and told them I paid this to XXXX. Back and forth between them and XXXX, XXXX states they did not receive my last payment. At that point I paid this to XXXX XXXX XXXX. It is still showing as a collection account and the terms are showing one month. My wife keeps calling this company asking them to remove this and they keep shutting her down and stating you knew you were calling a collection agency and you paid a collection agency! We paid it because we had no choice because XXXX asked us to. My wife was told this account was not being reported because it was less than a month. We paid this account immediately when we found this error. This is hindering my ability to obtain a mortgage all over {$280.00}! I need this removed and I can not get anywhere with this company. They are ignorant and treat my wife like she is a low life who does not pay the bills. I do not have any other negative information on my credit report but this. It has been 3 years and they are still reporting negative information all for {$280.00} that was paid immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was scammed from the Internet of {$40000.00} from my Former WELLS Fargo bank account including my credit Card. The bank did nothing to stop these professional scammers from taking the money out of both by checking account and credit card. They made me believe that they were putting money in my account so I could sent it to their in-need relatives in XXXX. IN reality they were removing all the money from my bank account. The bank has denied all my requests for help. Now they want me to pay them over {$10000.00} for credit transfers I did not make. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have owned my home for 10 years and have XXXX mortgage liens with Bank of America. Due to financial hardship, loss of equity in my property, and loan fully amortizing, I have reached out to Bank of America for assistance as I can no longer afford my payments on my mortgage loans and do not want to loose my property or tarnish my credit. On XXXX I contacted Bank of America to inquire about my options, she said I would have to speak with the loan modification department. Bank of America 's customer relationship manager stated that because my property was located in California that I could have someone contact me within 14 days to discuss further. She set an appointment for XXXX/XXXX/15 at XXXX and I never received a call. XXXX I called Bank of America at XXXX asked why I did not receive a call and there are no notes in my file to why. The lady proceeded to begin the review process, took my financial information and stated I qualify for loss mitigation assistance and a customer relationship manager should be in contact by phone in 5-7 business days. As of XXXX/XXXX/15 I have not received a phone call from Bank of America. I called a third time and spoke with XXXX XXXX, customer relationship manager. He stated on XXXX my telephone number had been requested to be removed and someone update my number to XXXX, this is concerning as I never removed my number and now someone has my personal information and is capable of updating my mortgage information. Per XXXX he updated my phone number accordingly and furthermore gave me my XXXX name and set up a meeting for XXXX/XXXX/15 at XXXX, I verbally approved to be contacted prior to XXXX as I work from 8-5pm and can not take personal calls. XXXX also stated that he emailed the customer relationship manager and their manager about the appointment. XXXX by XXXX I have not received a call. I am a homeowner who has made on time payments for 10 years, I am seeking assistance and at a loss what to do as I have tried multiple times to contact my lender and Bank of America has made little effort and empty commitments. I am very concerned that my credit is going to be affected due to Bank of America 's inability to communicate and follow through. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been struggling to make my mortgage payments of {$2400.00} per month. I have consistently been late, however, I have consistently made them. I am currently only 45 days late XXXX XXXX & XXXX XXXX and I am prepared to make the XXXX payment, which will make me only 15 days late. I am currently paying 7.5 % interest. Suntrust is my loan servicer and XXXX Bank is apparently my loan investor. I have filed all of the mortgage modification paperwork necessary. I would consider any option which would allow me to keep my home ; however, modification of my interest rate was really what I would prefer. I got a call yesterday, from Suntrust, informing me that they would not modify my loan. The only option they gave me was a short sale they did not offer me any other options. 
Unfortunately, because I have liens ( which I am servicing ) on my property, I can not sell the home. Also, because my mortgage payment just want from interest to interest and principal, I am unable to rent my home. Finally, I can not refinance because my credit is so bad. I want to keep my home ; however, I can not continue to make payments at 7.5 % leaving me only XXXX option, which is to fall into foreclosure. If Suntrust and the investor would lower my interest to a reasonable rate I would be able to make my payments in a timely fashion and avoid the monthly penalties and fees that I am being charged ( currently approximately {$7000.00}. ) Additionally, and as a second complaint, Suntrust has repeatedly harassed me by phone. I notified them in writing to not contact me any further. After written notification not to contact me by phone, they continued to call me repeatedly. In fact, they sent someone to my home XXXX evening who left a note on my door telling me to contact Suntrust about my mortgage payment. ( see attached letter XXXX If Suntrust files for foreclosure, I have every intention to countersue them XXXX and XXXX Bank, the investor ) for violation of state and federal law related to their repeated harassment. 
I need help ... .I can make the payments however as long as the interest rate is 7.5 % I will continue to fall behind, continue to incur ridiculous penalties and fees, and will fall into foreclosure. 
I am simply asking Suntrust and the investor to lower my interest rate. I have filed all the mortgage modification paperwork and the only option they gave me as to short sell the home. No other options were given. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my job during the economic crash in XXXX and could not regain my salary until XXXX and have been asking to get a fresh start loan modification and Carrington Mortgage denied me because I make too much now. There is no way I can reinstate for of XXXX. HELP I must save my house. The denial occured on XXXX/XXXX/XXXX and I have until XXXX/XXXX/XXXX to APPEAL, and during that time there is no foreclosure but the sale usually is set for the XXXX of the month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was bait and switched initial with the terms of an Auto Loan, I was forced to used Well Fargo Dealer services as opposed to my credit union ( this was the car dealerships doing not wells fargo ). During the time with Well Fargo, I was told there was no early payoff penalty. That was a lie. I was told my rate was 5.9 %, that was a lie, they wouldnt give me the loan unless they charged 6.9 Well fargo Dealer services also was n't reporting that I was making payments on my car when in fact I have been paying on time every month thus negatively affecting my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has not removed issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a relatively new phone number. The company cross-referenced my number to an old XXXX debt that is not mine. 
I have explained to the caller, twice, that this is not my debt and that they have the wrong person. Once I gave them that information I stopped communicating with them. They call everyday and leave a message that I owe money to them that I used to owe to XXXX. That they have been authorized by XXXX to collect and that I need to call them back and pay up. 
The name of the company is : Enhanced Recovery Systems,XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXXIf you do an internet search of this company you will find dozens of complaints against their tactics. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court. 

Company response: Company believes the complaint is the result of a misunderstanding