AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I just received a very threatening call from a debt collector ; first leaving a threatening voicemail saying I was in dire straights and I need to call back immediately because someone issued complaints against me. I was very confused thinking who could file a complaint against me so I called the phone number that was left on my voicemail. After calling the phone number, the representative XXXX XXXX XXXX explained I had debt with US Bank. I was very confused because I had not had a checking account with US Bank for over 7 years when I closed my account because I was moving to a different location. I told her if I had a credit balance where I owed money to US Bank, they would not have allowed me to close my checking account. She then said that I had an outstanding credit balance of over {$500.00} and If I paid her a little over a {$1000.00}. everything would be taken care of. I told her I would go to US Bank and take care of this since, I legitimately closed my checking account with US Bank without a credit balance. Please help? 

Company response: Company chooses not to provide a public response
Consumer complaint: We have an issue with my husbands transunion credit we have sent in verification 2 times now and we still can not get a copy of his credit report ... we were told its being handled by the fraud department when connected to them we were told my husbands credit and a ladys credit were combining because their socials are so close ... now I had to fax over his social security card and his credit would have to be separated or sorted from this other lady 's well its been over a week and I still ca n't get anything done 

Company response: Company chooses not to provide a public response
Consumer complaint: when we bought our house last year, we volunteered to sign up for an impound account so that we would n't miss a payment. Our mortgage servicer, Select Portfolio Servicing in XXXX XXXX XXXX, Utah, takes our money for property taxes, and then refuses to pay them. They have had XXXX opportunities to pay on time, and have failed all XXXX times. Last year, we faced XXXX dollars in fines because of them. This year, i 'm lucky i caught it on time, because they XXXX yet again. This is nonperformance of our mortagage service agreement, and they need to sell our loan to a competent servicer. This is ridiculous. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a {$2.00} outstanding balance on my Macy 's credit card for 2 months, which has been paid online twice. I '' ve never had a late payment and I certainly do n't want one over a {$2.00} balance. I have tried to call and email regarding the balance but I can not get a live person at XXXX or XXXX ( which says they are available 24/7 but I hung up after listening to 10 minutes of advertisements ). I then attempted to " close '' my account but again had to hang up after waiting on hold for 30 minutes. I also tried the " contact us '' option on their website and it just took me back to " make a payment '. So, I have XXXX issues, a payment that was made twice online and did n't register and the fact that their phone systems and website just take you in circles and you can not a live person. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Barclays XXXX Card with XXXX rewards. At the end of XXXX 2015, I called and made a payment and informed them that the next payment would be for {$2000.00} at the end of XXXX. I called at the end of XXXX to make that payment and they refused several times to accept that payment. They then informed me that I could only pay with an XXXX Bank account. On XXXX XXXX 2015, when those funds were transferred I made a {$2000.00} payment. I then noticed several days later that the credit limit had decreased by {$1500.00} XXXX 75 % ). When I called and inquired about this they informed me that due to financial stress, the credit limit had been decreased. However, this did not align with the information from my credit report and my previous dealings with them. In the past, I called and informed them when I would be making a payment and for how much. At all the stages during my relationship with the customer services representatives, I informed them of what was going on. Upon having this conversation with Barclays customer service, they informed me that due to financial stress the credit limit had been lowered. However, the {$2000.00} payment was the entirety of the balance of the card ( except for {$76.00} XXXX and there was never a payment that was more than 10 days late. If it was late, I always called and informed Barclays that they payment would be made on a certain day upon me getting a paycheck. Never was the payment more than 30 days late and never was a late payment reported to the credit bureaus. The credit reports actually indicated that the card was in good standing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just emailed this after a second attempt to resolve a " late payment issue '' with USBank Credit Card from XXXX. Please contact me if the details are not clear. 

" I just had the worst experience of my life in dealing with a credit card company when I called to fix a misunderstanding on my account resulting in a late payment when I updated my autopay. I took precautions to not miss a payment, and somehow it missed anyway. When I called in the lady -- no, she was n't a lady -- the woman, who possessed low social intelligence, decided to take a condescending and accusing tone with me, blaming me for the problem rather than helping me resolve it. Therefore, I 'll be filing a complaint with REI, the BBB and with the Consumer Financial Protection Bureau as well as submitting erroneous claims disputes to the credit rating agencies. 

This late payment was an error that occurred due to a ridiculous system wait time XXXX MORE THAN 60 days?! ) for auto payment update, XXXX that I will argue is intentional to increase bank revenue streams by charging default interest rates. 

This has already resulted in a credit line decrease, which I want reinstated AND a late payment ding on my credit report, which I want corrected immediately. 

" XXXX bank ''? Ha ; that 's absurd. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Calling a household in which I never lived 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 
I feel not addressing my loan concerns is also a form of discrimintation why? 
Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 
Are their any Corp Advances fees on this account if yes please list amount and dates? 
I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement? 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2003, we got an FHA loan through Well Fargo Home Mortgage. The payments then were supposed to be fixed at about {$350.00} a month. Through the years, they have raised our payment to almost {$600.00} a month. We have gotten several loan Modifications on our mortgage to try and bring the payments down. My wife and I are both XXXX and on a fixed income so two years ago, so we got a form from a Texas State agency so that we would be exempt from paying school and property taxes but, Well Fargo refused to accept the form, and still made us have to pay taxes. Then later on, we had storm damage on the roof of our home, and was given an insurance check to make the repairs but, Well Fargo waited almost a year, before they signed the insurance check, to make the repairs, By then the damage had gotten worse because of the delay so the roof was not properly repaired. 
Then later on we decided to try and list the house for sale and we had a realtor sign out in front of our home, Wells Fargo came by and saw the sign and told us to " REMOVE THE SIGN '' or they would foreclose on us. Our purchase price was around {$65000.00} and now, XXXX years later, we still owe almost {$55000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian did not investigate my disputes that I gave a specific statement on they onlysent a embedded print out of a excuse saying I was n't specific. I said this is not mine etc by each disouted item listed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a creditor that was listed on the TransUnion Credit Report. The XXXX XXXX Bank Account # XXXX was to be droppedfrom the credit report on XXXX. The date of delinquency was XXXX. 
I wrote to TransUnion three times and can not get this issued resolved. 
They continue to list this debt on my credit report which is effecting mycredit score. I submitted the documentation to TransUnion but theyrefuse to acknowledge the prof and to correct the issue. I would greatlyappreciate your help in resolving this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, attorney for XXXX XXXX XXXX, applied a line item to my already discharged bankruptcy for {$14000.00} in fees for himself. The bankruptcy was discharged in XXXX, XXXX. XXXX XXXX XXXX did n't even acquire the mortgage previously held by XXXX until XX/XX/XXXX. The amount for attorney fees was applied in XXXX or later. There is no date on the entry. On the bankruptcy documents, the attorney 's name is spelled wrong, as XXXX, but the word County is also spelled wrong. The address in XXXX, OR is where XXXX XXXX practices. I only discovered this addition to the bankruptcy records after a short sale failed in XX/XX/XXXX. This house was supposed to be foreclosed on in XX/XX/XXXX. I do n't know what the attorney fees are for, only that he was working for XXXX XXXX XXXX. There are similar, related complaints filed against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX and XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The above referenced debt is being reported in error and inaccurately on my credit report. 

The account does not belong to me and this has been confirmed in writing by Commonwealth Financial/Northeast Credit & Collection. Please refer to the attached CFPB Complaint showing that this debt is for a minor and does not belong to me. It is worth noting that I am not the custodial parent or guardian of any child whom could have acquired this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi, I would like submit a complaint about a Dept collector trying to collect a Debt I never authorized this is a Fraudulent dept. Original account holder has no record of me authorizing this charge. I never authorized this charge. American Medical Collection Agency continues to attempt to collect a Debt that was not Authorized by Me. 
They have sent me threat letters stating they are going to put it on my credit report, again I did not authorized this Debt charge. Please have this collector stop Harassing me. with letters and calls and have the Debt collector remove the account from my Credit Files. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Theres a creditor added to my credit XXXX and I dont recall having this account open t I had no loans other than my school loans. I believe someone else is using my information. I had not open any loans other than my school loans. Please get this resolve. I also have debts that are over 7 years that are still in my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern : I 'm writing this email hopes that one of you can escalate this issue to the right resource within your organization ( Wells Fargo XXXX that can truly help me as I 'm extremely FRUSTRATED with Wells Fargo 's customer service to date and this is my last resort. 

I 've had a terrible experience with Wells Fargo customer service to date, starting back XX/XX/XXXX when I initially put an offer on my home. 

The email below from a Wells Fargo representative is a perfect example of this experience and I 'm reaching out to one of you to help me get this resolved. 

I 'm trying to close on a FHA refinance and the case number in the FHA portal is being held by Wells Fargo. In XXXX of this year I reached out to Wells Fargo to initiate a streamline. Near the close of my transaction Wells Fargo ask me to come out of pocket with over {$2900.00} to close on the loan and this was not something that was communicated to me back in XXXX when I initiated the transaction so I decided at the end of XXXX to cancel my loan with Wells Fargo and go with XXXX Texas XXXX. 

I 'm very frustrated and hoping this issue can be resolved as quickly as possible. 

1. Wells Fargo has delayed transferring my case number to XXXX Mortgage of Texas XXXX, thus causing me unnecessary XXXX and hardship. I 'm writing this email while at work as an example of the inconvenience this has caused me. You can confirm when I started this process in the attached email. 

2. After determining that Wells Fargo would require me to come out of pocket for a FHA Streamline when we were ready to go to doc 's I decided to evaluate my options and now Wells Fargo is yet again holding up my FILE. See attached HUD where I had to come out of pocket for a streamline, when I was told that if I got an appraisal no out of pocket would be required. 

3. When I finally closed on the initial purchase LOAN back XX/XX/XXXX with Wells Fargo after a XXXX month escrow and multiple rate lock extensions charges on my loan, I had to come up with an extra {$2500.00} to close to pay for RATE lock extensions that were not my fault. 
I 'm just a hard working CITIZEN trying to provide and feed his family and these issues have caused a TREMENDOUS amount of XXXX on ME. 

Thank you for taking the time to read this. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm writing to request an investigation into XXXX XXXX XXXX and FMS Financial Solutions ' business and debt collection practices. I believe that their practices violate the Fair Credit Reporting Act found at 15 United States Code XXXX U.S.C. XXXX XX/XX/XXXX as well as the Consumer Credit Protection Act found at 15. U.S.C. XX/XX/XXXX XXXX Title VIII - Debt Collection Practices [ Fair Debt Collection Practices Act ]. XXXX XXXX has entered and received a judgment against me in order to garnish my wages at 25 % per instance with interest accruing daily on the outstanding balance. However, this comes after several phone calls and letters from my lawyers at XXXX, XXXX and XXXX to attempt to re-instate the pre-arranged payment plan of {$60.00} per month ; XXXX XXXX did not deign to reply to my lawyer 's correspondence or phone calls. XXXX XXXX 's office claims that I defaulted on my payment plan. However, this is not true. XXXX XXXX/FMS Financial Solutions had my information and permission to withdraw funds directly from my account on a monthly basis. However, they never withdrew funds from my account on a constant basis. On XX/XX/XXXX I get a letter in the mail from the XXXX XXXX 's XXXX Court that a judgment was entered against me due to my " defaulting '' on the agreed upon payment plan. I never received any phone calls, emails or mail from XXXX XXXX/FMS Financial Solutions stating that there was a problem with receiving payment. So, they basically waited 9 months to " inform '' me that I had " defaulted '' on my payment plan by using the court system. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX accounts XXXX, XXXX, and XXXX ARE NOT MY ACCOUNTS ... these need to be removed. I have told them numerous times and no one cares. 
XXXX got these accounts from XXXX. XXXX allows anyone to order from them without any source of identification at all. All you give them is a name and an address and then XXXX. I need these account removed. this is effecting my ability to get credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Made a purchase on my Best Buy credit card ( Citibank ) a little over 2 years ago that was approx. {$1000.00}. Have made regular on-time payments to date. I am a regular Best Buy customer so I periodically make small purchases for office needs and put on same card. The {$1000.00} ( 2-years ago ) purchase should have been paid off long ago. However, I was just notified I am being charged $ 700+ ( 29.9 % ) interest on that particular purchase because it had not been paid off. When I inquired where had all my payments been going for the past 2 years, I discovered they had been applying them to my ongoing purchases instead of the large purchase from 2 years ago. I now have a {$700.00} interest penalty on a {$1000.00} purchase. 
I thought the new credit laws were enacted to protect the consumer? This is not only completely unethical, but discourages customers to continue doing business with a retailer after a promotional purchase. 
I want my payments to apply to my promotional purchases first, or oldest purchase, not to ones with highest interest rate, such as current purchases. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank, in a continuing pattern of bad faith and harassment, sent me a letter dated XX/XX/XXXX regarding loan application # XXXX that claims THEY were denying my loan application based on an old tax lien ( based on a XX/XX/XXXX tax dispute with the IRS ) and high credit card balances when IN FACT, I withdrew the application back in XX/XX/XXXX of this year due to their bad faith and inability to process a simple loan request ( {$110000.00} ). They ultimately refunded my loan origination fee, the appraisal fee and refunded XXXX of additional money I agreed to pay the seller because US Bank failed to perform in a manner that did not risk the agreement I entered into with the seller to purchase a condominium. The decision to compensate me for their failure does not sound like they were denying me credit based on the shaky grounds they now claim. This recent letter is an attempt to change the truth about the history of the transaction and an attempt to make me ( the consumer ) the party at fault for the inability of US Bank to perform at a modicum of efficiency and in good faith with the consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a judgement which is not mine with this company # XXXX and they have not responded. I need confirmation they removed this inaccurate listing. Can you please help me find out? 

Company response: Company chooses not to provide a public response
Consumer complaint: Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX XXXX. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with XXXX XXXX XXXX. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XX/XX/XXXX I attempted to do a loan mod with Wells Fargo. At the time I could not afford the monthly payments but I was current. Wells Fargo would not return my calls so, at the advice from my attorney, I stopped making payments. They now returned my calls. During that time I filed Chapter XXXX bankruptcy and had my XXXX home loans discharged. I went through the loan mod trial payments process successfully but Wells Fargo rejected my loan mod saying the XXXX lender would not subordinate ( this took 2-1/2 years XXXX. I hired an attorney to try a second time to get the loan mod and, after a year and more trial payments, Wells Fargo provided a loan mod document subject to the XXXX lender subordinating. That lender still would n't subordinate but would agree to a payoff. I received the agreement from the XXXX lender, faxed it to Wells Fargo with the knowledge the lien would be removed within 3 days of receiving my payment. Wells rescinded the loan mod saying I took too long. Wells gave me 20 days to solve the problem but it took me about 45 days. I was at the mercy of the XXXX lender 's time table. I met Wells Fargo 's loan mod criteria ( trial payments - twice ), I have the ability to make the payments, I can satisfy Well 's requirement to remove the XXXX lien but they are insisting on foreclosing. In addition, I can qualify for a new loan ( refi ) but under bankruptcy rules I can not obtain a loan until a waiting period which expires XX/XX/XXXX. How do I save my home? 

Company response: Company chooses not to provide a public response
Consumer complaint: Financed a vehicle from XXXX XXXX with Ally Auto. Last payment was in XXXX 2015. The bank has still not sent a copy of the Lien Release to KS Dept of Revenue / Titles and Registration. Vehicle was involved in an accident and totaled. XXXX will not settle claim without Title. Contacted customer service on XXXX XXXX and was told it would be faxed within 24 hours. It still has not been received to date. 

Company response: Company chooses not to provide a public response