AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is a continuing problem with XXXX XXXX since XXXX. I had XXXX cell phones with them. XXXX of them I used myself and the other was shut off by me and my granddaughter played with it. The contract with XXXX expired In XXXX, XXXX so I contracted with XXXX XXXX XXXX for a new cell phone service. Ever since this I have been CONSTANTLY harassed by XXXX and various collection agencies and the amount has increased to over {$610.00} supposedly owed them from an original {$150.00} charge. I have all the appropriate paperwork to back this. Today ( XXXX/XXXX/XXXX ) I received a very nasty phone call from Diversified Adjustment Company by a man who called himself XXXX. He was very rude from the start demanding to know where I lived, what my previous address was. I demanded to know who he was and what he wanted. He finally admitted it was a collection agency and was collecting on a debt to XXXX XXXX. I told him that i will not pay any XXXX bill that it is not due for any reason after all this time. I told him that I had talked to my attorney and he demanded to call my attorney and I refused to give him the attorney 's name or phone number. The phone number he called from was XXXX. 
I am more than fed up with these collecting agencies calling me and I want the FTC to do something to protect my rights under the Federal Fair Debt Collection Act. I think that collection agencies such as Diversified Adjustments should not only be fined but put out of business. It is harassment to the first degree to be constantly contacting me by phone or mail. I told this XXXX NEVER to call me again. I would appreciate you filing a formal complaint on this as soon as possible. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter in mail. It was a pre-approved confirmation certificate- for a pre-approved loan. 
It was our residential address, but the recipient was a different name. 
I searched this name, and he had XXXX criminal records. Two years ago, we had a collection agent called us about the bill we did not have, and it was the same person 's name. 

Company response: Company chooses not to provide a public response
Consumer complaint: Noticed that I had been charged for years for a XXXX program, but I was unaware of it. Contacted Citibank, who transferred me to XXXX. XXXX stated that they would send me proof of enrollment in the mail within 7-10 days ( or in some reasonable amount of time ). This was XX/XX/2015, and I have still not received anything. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: RoundPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX CA XXXX Short Sale Package was submitted to RoundPoint on XXXX/XXXX/XXXX. The offer price is $ XXXX. 

Finally on XXXX/XXXX/XXXX we were told that they were looking for a net of $ XXXX. The rep we spoke with sent a message to their negotiator, XXXX XXXX, to call us back by the end of the day to discuss. We were assured we would get a call by the end of the day. No one called us. In addition, the rep we spoke with did n't even know what XXXX was. 

On XXXX/XXXX/XXXX we sent an email to XXXX XXXX requesting a call back. No one called back or even responded to the email. 

On XXXX/XXXX/XXXX we called RoundPoint again. We were told that they had " approved the short sale with a net proceeds of XXXX ''. However, they are refusing to provide anything to support the net proceeds, nor will anyone in their company discuss this with us in any way whatsoever. 

1. RoundPoint is outright refusing to return any phone call whatsoever to the Authorized Third Party. 

2. RoundPoint is committing valuation fraud by overvaluing the property and not allowing a value dispute. 

3. RoundPoint is violating the ECOA guidelines by not providing a copy of the Appraisal/XXXX as requested. 


4. I 'm pretty sure they are also violating their servicing guidelines and Defrauding their Investor, considering that no one in the company knows what XXXX is, and they are committing valuation fraud, and everyone in the company is refusing to call us back or speak to us on this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX/Medical Assistance Program, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX/Medical Assistance XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at XXXX Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XXXX. The reason why this is important is because during the time when my Managed care coverage had been canceled from XX/XX/XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX/XXXX/2015. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a recipient of XXXX XXXX. My coverage renewal was mailed to me in XX/XX/XXXX. I had to fill out my XXXX renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX Coverage. So, my coverage was canceled from XXXX XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the XXXX XXXX office at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX Claim # XXXX service date XX/XX/XXXX. My XXXX Account # is XXXX My XXXX card # is XXXX. I am requesting that XXXX or XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: A representative of my soon to be ex credit card company blatantly lied to me and I was charged a {$100.00} fee. 
I was considering making a crash transfer or " balance '' transfer from my credit card account and to my checking account but I was concerned about any fees or interest associated with such a transfer. So I called the credit card company, Bank of America in this case, and asked them about fees and interest. The representative told me there would normally be an interest associated with a transfer like that but that I am on a promotial period until XXXX 2017 so there would be no interest charged. I then asked him if there were any other fees associated with such a transfer and he said no. I now see a {$100.00} transfer fee on my statement relating to the transaction. 
But all that could have and should have been resolved as a misunderstanding. The reason I 'm writing this up is because when I called in to get the fee removed I was told that the agent who told me there were no fees " did n't write in his notes that I had asked about fees '' or that " he had told me there were no fees '' so they could n't remove that charge. I was blatantly lied to and then told they had no immediate record of that interaction so the fee could n't be removed. 
Currently the most recent rep. that I spoke with said she submitted an " escalation '' form and that the recorded phone call would be reviewed and that it will take up to 5 business days to get back to me. I doubt they will refuse a refund of the fee after that but I 'm writing this up because some other people might not know to ask about submitting and escalating form. In fact I did n't know about it and it was only after I threatened to report this incident and cancel the credit card that she offered the escalation form. This seems like a blatant form of predatory business practices this agency was designed to stamp out and I really hope that I 'm the only one this has happened to, but I doubt it. And I hope that if there are more people who have fallen victim to this sort of thing that you guys come out swinging with a war hammer ... or a small mallet ... or whatever tools congress gave you. 
Oh, and the XXXX dollar fee was made because I made the transfer online, specifically through the mobile app. Something I feel like I should have been made obvious irrespective of calling in. But it was n't. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get my free credit report from them and every time i try the telling me i have to pay to get it from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card for 2 years, recently fraud relent charge was charged to my account. I disputed the charge the first claim was approved but the charges was put back on my credit card. I 'm receiving illegal charges to my credit card without explanation, my XXXX messages for the claim adjuster has n't been returned. The 4 messages to the claim supervisor XXXX has n't been returned or the request for a manger call back has not been received. The second fraudulent claim has been denied, become my home address and the fraudulent charge are with a XXXX mile radius. No research was conducted, I have victimized by this company. This company should be federal investigated for security and credit fraud. I do n't make the any of these fraud relent charges. I believe the bank or credit card companies has n't properly secured, an one of their employees has used this account. 

I received additional charges for late fees, membership fees and interest charges associated with the fraud relent charge. This is a moneymaking tactic to illegally collect money. I have no ideal about the fraud relent charges, the research has n't been done. I spoke to XXXX, the owner of XXXX of location for the fraud relent charges, he state the credit card was called in to the location. But, speaking to the credit card company, they 've stated the credit card was present or used similar to previous purchase process. It does n't make any sense, this company has evident that no continuous fast food charges are made throughout any month during my account history. This company is make it easier for criminals then every. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have received repeated automated phone calls ( robocalls ) for several months from a company that identifies itself as the Law Office of Arnold Scott Harris PC, debt collectors, and asks to be called back at XXXX. The calls originate from XXXX. The message does not state any name of the supposed debtor. I do not owe anyone any money and I want the calls to cease. Posts on the internet from other victims say this is a scam and that the Illinois Attorney General has declined to prosecute. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was negotiating a purchase at XXXX XXXX using a credit card that had been previously opened through XXXX XXXX, but separately managed by a credit card company. I asked if a request to increase my credit limit would count as a hard inquiry on my credit report, and the representative at XXXX XXXX told me it would not. When asked for the qualifying information to request the limit increase, I miscalculated my monthly income, and only reported 50 % of my monthly income. The next day, when I realized my calculation error, I called the credit card company and proceeded through the recorded prompts to request a limit increase using my corrected calculations. XXXX requests to increase my credit limit were recorded as hard inquiries on my credit report. The XXXX inquiries are recorded as having been requested on consecutive days, but XXXX came from the same company. I accept that the representative, who I first spoke to at XXXX XXXX, was misinformed, and did not understand that a request for a credit limit increase would count as a hard inquiry. However, because XXXX requests for limit increase took place in a short period of time, I feel that the XXXX should only be reported as a single hard inquiry from the credit card company. I would like for XXXX of the inquiries to be removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have no idea if this is even legitimate, my bankruptcy attorney told me this could be a scam. American Credit Adjusters keeps calling me saying I owe a debt to XXXX XXXX, and I 've committed check fraud. I do n't have a clue what this is, and if it was legitimately mine, it was in my bankruptcy filing. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. 

Thank you for your urgent help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Stonegate Loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Filed We started a short sale with Stonegate On XXXX XXXX, 2016. Last evening, XXXX XXXX, the homeowner received a call from Stonegate 's debt collection department. The male on the phone was very rude. He stated Stonegate was understaffed, not going to work on a short sale, and they were going to foreclose on XXXX XXXX unless the homeowner gave him in excess of $ XXXX immediately. This homeowner is understandably distressed by this action on the part of Stonegate. 

Aside from the lack of professional exhibited by the Stonegate rep, there are also several legal issues with this event. The Fair Debt and Collection Act has been violated in several ways. Harassment of the owner of a home and using intimidation in an attempt to coerce a current client. Threatening foreclosure on a home that has not yet been referred to an attorney ( we spoke with Stonegate staff on XXXX/XXXX/16 and verified this ). Stating Stonegate is understaffed to the point of inability to fulfill their servicing obligations and they are just going to foreclose on the homeowner. 

To top it off, this is being done to a Veteran with a VA Loan. Is the XXXX XXXX aware that Stonegate lacks the staff to service their mortgages in accordance with their servicing contract? 

We have since spoken with a rep in the short sale department who was disturbed that this had happened. Their supervisor has been apprised of this situation. 

It is obvious that Stonegate is doing this not only our client but all of their clients. The CFPB was created to end this kind of fraud. When is Stonegate going to be closed down? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home 

Company response: Company chooses not to provide a public response
Consumer complaint: I am going to financial difficulties. I have lost my lender, Wells Fargo Bank, to modify my loan under the Hamp program. I have submitted my documentation several times yet have not gotten any results. My loan originated with world savings bank which was later acquired by Wachovia and transfers to Wells Fargo Bank. This loan is adjustable-rate mortgage PICK-A-PAYMENT type loan. my payment changes all the time and I 'm having a really difficult time keeping up with such a high mortgage. I find myself often falling behind and most certainly falling behind on property taxes. I know I am eligible for the government 's Hamp program. However I am not getting any help. Please help me with this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Four years ago, I applied and received a Step Rate Modification Home Loan at Wells Fargo Bank. The interest rate on this modification will reach its cap rate in XXXX XXXX. That rate will be much higher than the current rate ; therefore, in XXXX of this year, I applied for a new home loan modification. 
I received a letter from Wells Fargo on XXXX XXXX, XXXX indicating that an escrow account would be established as a part of any new modification process. On XXXX XXXX, XXXX, I received a letter stating that I was denied the requested modification due to my NPV. I appealed the denial and that appeal was also denied. After the second denial, Wells Fargo attached an escrow account to my current loan. This is not in accord with our original loan agreement. Now, my loan includes my property taxes and home insurance. This results in my monthly mortgage being elevated to a level that is difficult for me to pay. 
Most of my finances are paid to me quarterly, not monthly. Adding the Property Tax to my monthly home loan will cause me an unwarranted hardship. I explained this to Wells Fargo. I have owned my home for 20 years and have never failed to pay my property taxes or home insurance. In addition, I have always paid my mortgage before or on the due date. 
I feel that the new escrow account attached to my loan is an injustice ; it causes me financial hardship. Wells Fargo is not honoring the original modification agreement. In addition, this escrow account was established after I applied for and was denied a new modification. 
Two years ago, Wells Fargo attempted to implement an escrow account that was not a part of my loan agreement. At that time, I contacted your office and your office resolved the matter. Please assist me in resolving this matter again. 
I continue to get correspondence from Wells Fargo indicating that they are looking into the matter. Meanwhile, I continue to have property tax and insurance added to my monthly mortgage statement. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to lower my mortgage monthly payment. I know about the pmi reduction and a lower interes that are now in the market. My loan is a FHA and I need to save so.e money because a reunification family and I can not get benefies of any goverment plan or rate reduction because lender XXXX me all the times in the proposawith a very high APR and hidden fees. 
My loan was sold to freedom mortgage and this company wanted to make me get involve in variable interest rate and I almost get into the trap. 
I would like to find a honest lender to refinance my actual FHA loan and get the reduction in my PMI that was lowered by goverment days after my loan closed. 
My credit is excellent it was XXXX in early XXXX although I dont know anymore after aplying to many nation wide lenders that wasnt honest to me. They want good and excellent credit people to get you but not to offer you a better conditions. 
I would like some help with a honest lender recomended by the goverment. Thank you 

Company response: Company chooses not to provide a public response