AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This story begins back in middle to late 2011 with Wells Fago. The company I was working for cut hours and then cut my pay. I contacted WF for help, I was instructed to miss XXXX payments in order to put my acct in a certain help status. Long story short, it too 3 years, but I tonight it was XXXX, until XXXX last year. Some new acct manger, decided to put my loan in a foreclosure status, sent me new paper work to fill out, because they said they never received my original paper. I filed a complaint with HUD, FHA, and XXXX. After it was all said and done, they did not honor the first refi numbers, they gave me a higher payment and rate. Then finally I got someone from corp office at WF, was very apologetic, assured me that none of this was my fault, that she was very sorry for having her company put me thru this and also assured me that my credit history would be zeroed out, cleared of all the wrong doings from them. Also, I saw where my home insurance was extremely high at {$2400.00} per year with XXXX XXXX. I found a cheaper {$950.00} a year and wells fargo suddenly sent me a statement saying my notes have increased by {$350.00} a month then went down only {$9.00} a month. At this point I just hung up and wonder why I had to be put on XXXX. Well, last week I went to trade my XXXX XXXX with XXXX miles on it in and informed the sale lady my credit was n't the best and should be around XXXX. Well, she called and said it was worse than expected at a XXXX. Then I got the call of a 17.5 % rate at a {$800.00} a month note. I made sure she did n't fall and hit her head real hard, then ask if there was delinquencies reported from Wells Fargo, no surprise she said yes. Then she explained that she could n't do anything better because of what and how they have reported my history. She said everything negative on my report is and would be ok, but the Wells Fargo was the deal breaker. I have since called Wells Fargo XXXX times, left voice mails, called and emailed the HUD lady that helped me in the passed and not XXXX person has returned a call or email. So, here I am starting another complaint against Wells Fargo Home Mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: Went to a Wells Fargo Branch to apply for a HELOC. The Loan Officer asked me some questions regarding the amount I owed on my home and how much I thought it was worth. I responded the best I could with XXXX amounts. The Loan Officer ( XXXX XXXX from the XXXX XXXX informed me that I would not qualify for a HELOC as my Loan to Value ratio was too high based on the estimates I provided ( Wells Fargo HELOC caps at 85 % LTV ). He quickly offered another product ( non-collateralized personal loan ) for which he did take a complete application. Ultimately I was declined based on my Credit Bureau score being out of range for the product. I subsequently went to another bank, where I made the exact same request for a HELOC. The Loan officer there immediately began the process of taking an application for the HELOC, which incidentally I was conditionally approved. I am not sure how Wells Fargo knew that I would n't qualify without taking an application for a HELOC, but decided to take the application for the personal line of credit. I did some investigation and found that under the Equal Credit Opportunity Act ( Regulation B ) that the answer I received from XXXX XXXX regarding a HELOC would constitute a Declination without an application. Additionally, moving me to the personal Line of credit without taking an application for the HELOC would constitute steering, which is prohibited. It is also my understanding that these actions would be a violation of the Federal Fair Housing Act ( Title XXXX of the Civil Rights act of 1968 ). I am an XXXX XXXX Female, and feel based on the actions presented that Wells Fargo is in violation of both ECOA and FHA based on discrimination based on race and gender. 

Company response: Company chooses not to provide a public response
Consumer complaint: IN XXXX my mortgage was 30 days in default since then to date U.S. Bank have refused to help me reinstate my loan. I have been trying everything possible without success. I have successfully completed XXXX different trial of payment and have participated in XXXX modification hearing among tons of application for a workout package, first every three months then of recent it seem like every month and all was denied even though I complied with all their requirements. They File final Judgement without bothering to let me know until the 30 days before the sheriff sale .After 90 day of being in default the mortgage insurance payed off my loan, they collected 10 times the value of my promissory note from the Federal Reserve and millions from securitization and mortgage back Securities also My mortgage was a part of the Government Bailout to the banks .In light of all of these fact XXXX is doing everything to take my house. no matter hard My husband and I tried there seem to be no way and this has caused us great economic hardship, XXXX resulting in other health problems as with extended time our loan is in default it affect our credit which cause us to lose employment opportunities and study opportunities forcing us to use up our financial reserves. They change the MAP representatives frequently. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had several different problems dealing with experian. 
Recently, I tried over several days to obtain my free, yearly Experian credit report. I initiated the request on the government website ( ftc? ) and was then directed to another website. 

The problem was that I always received a message stating I could not receive my report.I can not remember the exact wording but received a message stating there was some type of error Eventually, I was able to receive the report BUT I had to access it through the Experian website which I did not want to. 

Also, last year I had difficulty receiving my Experian report. Then, when I tried to obtain my report it falsely stated that I had already received it. 

Finally, in 2015 I receive free credit reporting through Office of Personnel Management ( OPM ) as a victim of the XXXX hackers.The experian information on that XXXX provided website ( myidcare ) contains inaccuracies but I could not dispute them because the Experian dispute form mandates a, report or case number which XXXX does not provide. 
It appears as if experian does not readily provide the mandated free yearly report and makes it impossible to report inaccuracies if those inaccuracies are noted on XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Been receiving late fees from CITI due to no fault of my own. 
CITI has refused to settle this issue and/or repair their web page, never replied to the online messages i sent and/or responded to me from their service reps submitting trouble tickets for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank has been promoting an interest free credit extension with a 3 % initial fee that is linked to your credit card. The outstanding balance displays on your credit card statement. This is similar to Home Depot 's credit card offer, but at Home Depot it is truly interest free and at Citibank it is not. At Citibank, if you continue to use your credit card for monthly purchases that are paid off within the billing cycle you get charged interest within the billing cycle for new purchases. If I had not participated in the interest free credit extension, I would not pay interest charges on new monthly purchases paid off within the billing cycle. I made the full payment of new credit card purchases, and was still charged interest. At Home Depot you can use your credit card ( without interest ) as long as you make the minimum monthly payment. Citibank is conducting false advertising by claiming this offer is interest free. It is not interest free. 

Company response: Company chooses not to provide a public response
Consumer complaint: My first time seeing outstanding medical " bills '' was on my credit report from a company called Medical Service XXXX in the amount of {$6800.00}. When I sent Medical Service XXXX a validation of debt letter ; they replied with only {$3600.00} all of medical bills that are covered by XXXX and XXXX for my children and XXXX small bills that were paid by my insurance company and my deductible. When I provided proof and ask them to respond with a verification of this debt to be valid and true in 30 days, there has been no reply. The company can not validate this debt because it does n't exist. I 'm requesting these billing be removed from my credit report. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Transunion sent me a Fraud Alert / Security freeze application asking if I would like to place a security freeze on my credit file. My response is no. I do not want a security freeze on my credit file. I did not complete nor submit a credit freeze application. Transunion then placed a security freeze on my credit report without my consent and now my potential creditors are unable to access my Transunion credit file. This blocks my ability to purchase a house, to purchase a car, and my ability to obtain general credit. Transunion then further lowered my credit score to XXXX although I have only XXXX active credit account and no lawful negative accounts. The XXXX account being reported is PAYED AS AGREED and has never been late. My credit score should be a XXXX. Please assist at unfreezing my Transunion credit file and lifting my credit score! I did not request a credit report security freeze. Unlock immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied to US Bank for a refinance of original US Bank mortgage and a US Bank equity loan ( all inhouse products for them ) on XXXX. They required me to write them a {$1900.00} check for Escrow of insurance and taxes even though I had a {$2200.00} escrow balance with them on the existing mortgage. As of XXXX/XXXX/15 they have yet to refund my original mortgage escrow balance. They sent correspondence that any balance due would be issued in approx. 30 days. The first due date was on XXXX and they have had more than 30 days to issue funds. These funds were also in their possession so they could verify the funds with no issues and no third-party. It appears they are using consumer funds to create quite a substantial " float '' without paying any interest on these funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt collector ERC claiming to collect a debt that we DO NOT owe. Will not provide any other information other than to say the debt is from XXXX and that the amount owed is {$66.00}. Will not provide any proof. Continues to call ... We are still customers of XXXX and have n't received any information from them. XXXX is trying get us back as a customer. Why would they want us back if we still owe them money? The Email address they used to contact us is over 10 years old. I think they are fake and we paid a XXXX $ debt to a collection agency 2 years ago, we may have been scammed then. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I closed an account at TCF Bank XXXX XXXX XXXX in XXXX 2 months ago. I had an {$0.00} balance. they were supposed to send a check. I have called them 4 times regarding the issue. It 's {$0.00} cents! I am tired of calling them and them saying they sent a new check to me. They have my updated address and I never received it. It should not be this difficult. They are failing to communicate, send me this small check for closing my account, and I 'm tired of calling about it. This was the worst customer service I 've ever received closing an account. It should not be this difficult. XXXX phone call to close and they send a check. Simple stuff but they are not doing it. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. 

Please help me out with this issue I do n't have extra money and this is very hard on me. 
Thank youXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Today I pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contract with this company and they have never provided me a service. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX XXXX I find out thatCollection Services Of AthensXXXX XXXX XXXX, GA XXXXhad place a new collection on my credit report immediately I sent them a letter Disputing this Alleged Debt they received my letter on XXXX XXXX 2015 in this letter I informed the that I was disputing this information under USC 1692g Sec. 809 ( b ) in this letter I requested A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill as require by federal law any medical facility to provide itemized invoices upon request. 
they Responded to my request for verification on XXXX XXXX 2015 the did not provided any of the proof requested instead they sent me a letter saying that they had contacted their client and that their client had confirmed that the Name and Address on the Account was CorrectThe Courts have Ruled that knowing Some ones Name And Address is Not Enough to Validate an Account. 
I sent them a second letter on XXXX 2015 giving the a second opportunity to validate this account by providing me with the requested information. 
A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX did not take my payment as they claimed they would. When I called them XXXX immediately ) they told me they had a computer " glitch ''. By the time they eventually took the payment they had reported me to the credit bureaus as late. They refunded me the late charges etc, further proving that the error was theirs but in spite of my calling them they have not corrected my credit report. 
Thank you, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech Financial/Green Tree Servicing received our check for final payoff of our loan on or about XXXX/XXXX/15. Now Ditech refuses to reconvey our house, refuses to pay us the amount that they owe us from our escrow account, and continues to demand more money from us. They declared a default on a loan that has been paid in full. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX, I received a written Annual Escrow Account Disclosure Statement dated XXXX XXXX, 2015 from XXXX XXXX Mortgage explaining that I had too much money in my escrow reserve account. The letter included their Check # XXXX dated XXXX XXXX, 2015 in the amount of {$210.00} with my name as the Payee. I attempted to cash that check on XXXX XXXX, 2015 at a branch of XXXX XXXX XXXX where I have several accounts. After 30 minutes and several phone calls, the XXXX representative advised me that Sierra Pacific REFUSED to honor the check -- the XXXX representative told me that Check XXXX was no good and I had to contact Sierra Pacific to get the issue resolved. I immediately called Sierra Pacific at XXXX and spoke to their representative. She told me that Sierra Pacific was aware of the problem, that there were several accounts with the same issue, and that Sierra Pacific would immediately issue a new check and mail it to me on Friday, XXXX XXXX and I would receive it by Tuesday, XXXX XXXX. On Friday, XXXX XXXX, I again contacted Sierra Pacific at XXXX and spoke to another representative and I learned that NOTHING had been done. I requested to speak to a supervisor and my call was placed on hold -- I remained on hold for 40 minutes. I called back and spoke to a representative named " XXXX '' and she also placed me on hold waiting for a supervisor. I learned that customers requesting to speak to a supervisor were simply put on hold and the majority of those calls were not ever picked up. I was able to convince XXXX to give me their Fax phone number and she also allowed me to leave a Voicemail message in the supervisor mail box. The Voicemail message stated that it belonged to a supervisor named XXXX. I left an informative message in that mailbox. Also, on XXXX XXXX, I faxed my letter to Sierra Pacific Mortgage to their Fax number at XXXX and requested my replacement check to be mailed immediately. I have verification that the Fax was delivered successfully. I have not received the check .. I have not been contacted by any representative of Sierra Pacific Mortgage. This insulting lack of customer service is unacceptable. I want the replacement check in the amount of {$210.00}. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: on XXXX XXXX 2015 I found out that MEDICAL DATA SYSTEMS was reporting negative information on my Credit Report and on XXXX XXXX I sent a letter toMEDICAL DATA SYSTEMSDBA/ MEDICAL REVENUE SERVICEXXXX XXXX XXXX XXXX , FL XXXXDisputing this information Informing them that this account was being Disputed under USC 1692g Sec. 809 ( b ) they received my first Letter on XXXX XXXX 2015 ( usps.com - Tracking Number : XXXX ) I Received a Response Letter dated XX/XX/2015in this letter they claim they can not locate the account with the information that I provided in my first letter which is the same information they are reporting to the credit bureaus. 
I sent them a second letter on XXXX XXXX 2015 which they received on XXXX XXXX 2015 ( usps.com : Tracking Number : XXXX ) informing them that they were in violation of USC 1692g it has now been more than 30 days which federal law requires for a collection agency to validate an account 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union keeps, maintains and reports fictitious information. I have contacted them 19 times. Have sent them all of the information they asked for 18 times and only keep getting more requests for the same personal info such as Birth certificate, utility bill, etc. 
I want this fictitious information removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: About a year and half ago, I applied and Got an American express issued By XXXX/ XXXX XXXX . The terms were that I was going to get a year of Charges or Transfers at Zero Interest rate. This Credit card Company, abused its power and started to charge Interest during that Interest free Year. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to seek assistance? XXXX XXXX and Experian just recently notified me on XXXX XXXX, of an incident that involved unauthorized disclosure of my personal information. According to them the incident happened on XXXX XXXX, 2015. I dont feel assured that my personal information is secured, just today I received a call from a Collection agency in behalf of XXXX XXXX asking for my personal information. Experian and XXXX are stating they have conducted their own investigation the results are not clear. As a consumer I would like to be contacted as soon as possible, my information, name, social and date of birth, should be protected. The letter is dated XXXX XXXX, 2015 and was just received on XXXX XXXX, 2015. 

Thank you for listening, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Aimloan.com either 1 ) is committing fraud, 2 ) has provided poorly trained employees, 3 ) is understaffed and not able to effectively resolve issues in a timely manner. I contacted the company to inquire of them on XXXX XXXX, 2015 that the mortgage payoff was sent per their instructions on a house closing completed by XXXX XXXX XXXX XXXX, CO branch Office : XXXX on XXXX XXXX, 2015. Aimloan.com support department were unable to help me and would not escalate the case to a manager to research and solve the problem. The title company claims they followed the written instructions for the payoff exactly as provided by AIMLOAN.COM and the funds were wired through XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, the same day of closing on the sale of the property. Aimloan has now sent out numerous credit collection letters and will not work toward solving the problem within the 60 days allowed by law. 

Please note the XXXX Servicing Department Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Department Telephone : XXXX would also note that when originating the loan there were also numerous issues again due to XXXX of the XXXX problems speculated at the beginning of the form. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a credit card listed on my report that I never opened. 

Company response: Company chooses not to provide a public response