AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I began contacting Barclay/Juniper for an account I had in XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Barclay/Juniper ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did wIe miss or was I late on a payment. Barclay/Juniper, along with several other credit card providers, discovered the bankruptcy, in which I did NOT include any credit card debt I owed, and started slowly increasing the interest rate. After several years of paying the invoices I discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Barclay/Juniper did not. I quit paying on the card and continued to demand a refund, which would have resulted in me owing nothing on the card. In XX/XX/XXXX, when the write-off showed up on credit report, I began writing Barclay/Juniper, the credit reporting companies and eventually a collection company that contacted me about the debt in an effort to have the charge off removed from my credit report ( see attached letters ). Along with the letter I provided a spreadsheet showing each invoice from the beginning of the account, when it was paid ( to show they were not late ), the interest listed on the invoice and paid, the amount of interest that should have been invoiced and the amount of overpayment ( see attached ). I also requested information that was outlined in the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. 

My wife had a Barclay/Juniper card and had the same problem. Her debt was eventually sold to XXXX and a similar letter and spreadsheet was provided showing she did not owe the debt. XXXX immediately relinquished her from the liability and removed the debt from the credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Harris and Harris Limited continuously calls our place of business. I talked to them once and the person they mentioned was someone we did n't know. After, they continued to leave messages.XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX. 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. 
These are the dates and times they have called. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Been try to pay of the account for XXXX month and seem to never get any one who can help me get a good amount to clear the account out, they are also report to my credit report XXXX time for XXXX different account and when ask can I pay the lower amount they said no and said I must pay the high one that is XXXX time the amount 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Per my Experian Credit Report, they have not updated my information to state that my accounts have been paid on time since in the month of XXXX, XXXX, and XXXX. Per my information on XXXX, and XXXX, my information is currently correct. I would like for Experian to complete their investigation and update their records to reflect the correct information. 

Company response: Company chooses not to provide a public response
Consumer complaint: i am receiving non stop calls from this agency starting from early XXXX to late XXXX, during which time if i attempt to say hello no one says anything they stay silent until i hang up and they just repeat the action by calling again constantly, i have tried to reach out to the company directly to express the issue but the calls continue 

Company response: Company chooses not to provide a public response
Consumer complaint: Lenderlive XXXX mortgage servicer sent me an escrow refund check in the amount of {$420.00} and I then receive a delinquent tax bill from XXXX XXXX stating the taxes have n't been paid. I contacted Lenderlive and they eventually paid the back taxes ; however, my mortgage payment has now increased 8 % from {$1600.00} to {$1700.00} due to a projected shortfall in the escrow account. Even though I put down 20 % when I purchased my house and would have preferred to pay my own taxes and insurance, I was required by my lender to make these payments into an escrow account. Now I 'm stuck with Lenderlive XXXX who ca n't seem to keep their records straight. If I 'm being held accountable for making my mortgage payments on time, then there should be some sort of repercussions for Lenderlive 's late tax payment and poor record keeping. The increased payment is not the issue. I understand why it 's happening. The issue is that I 'm held to XXXX standard and Lenderlive can apparently do whatever they please. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The whole issue started from me never receiving a bill from the hospital that apparently the hospital then sent for collection. The debt collector agency keeps calling me repeatedly, when i ask them to provide a copy of the bill they refuse doing so saying that they do not have that information. The lady on the phone keeps hanging up on me when i ask her to provide information about the charges I have to pay for and she keeps raising her voice on me and starts yelling that she will send it to my credit report, she is doing all of that while yelling at me and constantly interrupting me. They also called me the first time saying that I owe one amount ( something between {$900.00} and {$1000.00} ), but sent me a notice with a different amount ( {$720.00} ), that is why I requested the copy of the bill that would explain what charges are being put on me, but she just keeps yelling and hangs up on me. The notice ( " Account Status '' ) was sent to me after I requested a copy of the bill or explanation of charges over the phone, but they sent me just simple account status with amount charged being different from what they told me over the phone. I do not know how to talk to her as she is being very aggressive while i am trying to resolve the issue. I tried talking to the agency several times but the lady ( always the same person ) just keeps harassing me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am currently going thru Wells Fargo for a mortgage on a home. We were promised a certain rate ( XXXX ) and down payment ( 10 % ) on a mortgage for a XXXX family that we will be using as a XXXX family. The bank had the information on the property and a letter that stated we were using it as a XXXX family for the underwriter. All was well until now a little more than a week before closing, the appraiser says that he must do the appraisal as a XXXX family. Which is fine, I do n't care how it is appraised. However, now the bank is requiring us to put down 15 %. We have the money but we 're going to use that to put in air conditioning. I think it 's unfair that because an appraiser says it must be done as a XXXX family property, it affects our down payment and I 'm being told maybe even the rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi. I received a call last week from Wells, Fargo Home Mortgage that my loan modification was denied due to my loan being over {$720000.00}. 
Yet, in XXXX, 2015 I was told to send them documentation to do a loan modification on my mortgage in the amount of {$900000.00}! 
XXXX XXXX from Wells, Fargo just sent out a letter dated XXXX XXXX, 2015 that my loan was denied since I did not respond to them. This is not true. I called and was told that my loan was under review and they sent me letters to the effect. 
We have less than XXXX days to a sheriff sale. This is unfair banking practices. 
In addition, there is a whole web-site on the internet about how Wells, Fargo Home mortgagehurts the consumer by continually switching account executives and not helping clients go through the modification process. Please take a look at this web-site. It tells you exactly what I have been going through. 
Please help us. 

Company response: Company chooses not to provide a public response
Consumer complaint: Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: westersky gave the loan to cashcall with gave the loan to delbert servicei have been get threateding phone call XXXX that is calling from XXXX group ( XXXX ) XXXX say that i need to contact or my lawery because some serious allegations was filed. she has been call me employment and cell phone and know they started to call me husband. they told me husband that this call on the behalf of delbert service. and left him the same message. this lady has called for XXXX weeks straight. know i am getting threating calls for a XXXX states a file was giving to her and that i need to contact there office and that is is only notify me and that i have till XXXX XXXX and that XXXX XXXX XXXX bewteen XXXX and XXXX they are going to me place of employement or home. and top take that i been served 

Company response: Company chooses not to provide a public response
Consumer complaint: The company which placed negative information on my credit report is Stellar Recovery Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MT XXXX ) which is a collection agency on behalf of XXXX. The original reporting on my credit apparently took place in XXXX 2015 however I have not, previous to phone conversations that I initiated on my own behalf due to seeing the negative input on my credit report, received any type of notice via phone, email, or regular mail of this debt. I have since settled this debt directly with XXXX in full however the negative remains on my credit report. It is my understanding that prior to the input on my credit report that this debt needed to be verified and I be given an opportunity to settle, pay outright or dispute the validity of this debt. I was never afforded this opportunity. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a HARP refinance loan on XX/XX/XXXX at Wells Fargo. All required documentation ( XXXX signed taxes with XXXX, pay stubs, insurance declaration pages for all homes, credit report with a written explanation of addresses and inquiries ) was provided that day to the bank except for the insurance declaration page for my primary residence which was provided the following morning at XXXX XXXX XXXX. The loan processor has systematically mishandled the loan process from repeatedly requesting documentation that was provided the first day because she had the application pages out of order ; confusing my file with another file regarding a business operation and investors instead of a single family residence with an accessory unit ; requesting signed full year leases from all rental properties to prove rental income ( NOT a HARP requirement ), and other lengthy errors which can be provided from texts and emails if needed. It is now almost three months later the application loan rate has expired and the bank continues to be unresponsive in helping to resolve this issue. Wells Fargo attempting to placate me with explanation of overworked departments and vacation times and that the file has been bumped up to the escalation team but to date no contact or resolution has been forth coming. They plan to have me continue paying a higher interest rate. They have no interest in providing the HARP loan services mandated by the federal government. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX applied for a loan modification with her servicer, America 's Servicing Company. They responded with a denial for all programs, including an in-house proprietary modification program as they state in their denial letter, because XXXX XXXX shows a current ability to afford her mortgage payments. This reason is incoherent as the exact purpose of a modification application is to show that you have surpassed your hardship and are now able to get into good standing with a modified payment. The next reason they give for denial is that " [ y ] ou or a co-borrower have reached the allowable number of modifications. '' The borrower is aware of XXXX previous life of loan modifications. ASC does not identify what the maximum number of modifications is or whether it is an investor restriction. If an investor restriction, they must identify the specific restriction and an investor. Indeed, just a few months ago I received the same denial response from ASC from a borrower who had received XXXX previous modification. This seems to indicate that their decisions is arbitrary and not related to borrower 's ability to repay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attached the correspondence that was sent to XXXX Experian and yet they still do not respond and it 's been over 45 days. Experian has refused to send any correspondence even after speaking with them on the phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is an addendum to my XXXX complaint. Wells Fargo tried a XXXX time to take money out of my account causing XXXX more charges of XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian would not delete old incorrect information 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, Years ago I had financial difficulties arising from unemployment and surgical bills. During that time most of my student loans went into default or deferment. I am now on my feet and have resolved all my old issues. All of my student loans are current, except my private student loans for XXXX XXXX XXXX through Access Group ( held by XXXX. ) These are in collections in the amount of $ 40,000+. I have been paying XXXX every month for years, but the amount is still high and wo n't be paid off for a decade. This leaves me with horrible credit ( It would be almost perfect without these collections as I pay everything on time now that I am working. ) I ca n't get a mortgage for a house and my interest rates are high based on my credit score even though I have perfect credit card payment history. I have been trying to resolve this with both XXXX and Access Group for over a year, but they will not help me rehabilitate or discuss anyway to get this removed from collections besides paying off the amount ( at 50 % charge off discount. ) I would immediately get a personal loan for XXXX to pay it off, but with the collections on my credit report I ca n't even do that. I called the XXXX XXXX department of Access Group again today pleading with them to help me resolve this in some way - I have no issue paying my debt, but having this in collections is affecting every aspect of my life - I almost did n't get the job I have now because of them. I was hoping CFPB may have dealt with this lender/collection agency before on this issues and that there was some way to help debtors in this situation. I realize they are private, but they are servicing student loans, so I would have thought they would be more amenable to people who were trying to do the right thing. Any help or information CFPB provides would be greatly appreciated. I had a complaint about 3 years ago that CFPB helped resolve so I know what a great help your agency can be. Sincerely, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with Bank of America ( BOA ). in 2012 BOA agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. 

I request all late payments be removed again ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXBank of AmericaMortgage - XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have experience a deficiency in the system, in dealing with US Bank in regards to XXXX private loans. I have unexpectedly, lost my job and found myself in an economic hardship. In efforts to maintain my private loans in good standing, they had been in auto-pay. I am actively seeking a resolution, in which I can maintain a good relationship with my creditors. However, I am no longer able to make any more payments, being that my only source of income is unemployment. I have reached out to XXXX XXXX for assistance in obtaining a deferment, and they said my only option was for me to enroll back in school. I called the US Bank assistance line, and they explained they no loner offered the option for forbearance. I explained my situation and my desire to make things right, and not default on my student loans. Their response : I will have to go on default, in which case they will start calling me ... but once I find a job, THEN I can call them and ask for an extension. It seems unreasonable, that a creditor will not offer options feasible for a debtor willing to make an arrangement while facing financial hardships. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a XXXX XXXX account on XX/XX/XXXX. I fell behind in XXXX. The total amount was {$2500.00}. On XX/XX/XXXX I contacted XXXX XXXX on account # *****************.We entered a settlement agreement for {$2000.00} which was paid in two installments of {$340.00} and {$1700.00} on XX/XX/XXXX. XXXX XXXX now wants an additional {$880.00}. The new agreement supercedes the previous agreement. The balance is XXXX. Paid. I would like the credit bureas to delete the record. No payments have been reported by XXXX XXXX. I have forwarded the cancelled checks and the letter that the account is settled to no avail. Advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2013Investor : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX extFHA # XXXXLoan # XXXXPayment $ XXXXInterest Rate 7 % Term XXXX years. 

XXXX XXXX became delinquent in his mortgage due to the illness of his father and required home repairs. 
In the interim XXXX XXXX mortgage changed hands from XXXX XXXX to XXXX, from XXXX to XXXX XXXX. XXXX XXXX was getting notifications from both XXXX and XXXX. He was getting anywhere with XXXX and he went to the XXXX office. At the XXXX office he was given information from XXXX XXXX that he did n't have an FHA mortgage but that it was conventional. XXXX XXXX. I have documentation the original mortgage it is FHA. XXXX XXXX was not offered a loan modification.. I called the XXXX office and spoke to : XXXX XXXX. 
XXXX XXXX is the investor he told me the loan was conventional. I told him the mortgage shows that it is FHA. XX/XX/2013I completed the XXXX, XXXX, crisis budget, XXXX. I called XXXX and spoke to XXXX, and XXXX who transferred me to XXXX in customer service. I explained to her that I could not applied for the proper foreclosure prevention tool for XXXX XXXX, because XXXX had him listed as having a conventional mortgage, when he has an FHA mortgage. XXXX XXXX has been receiving ACT XXXX notices to date he has received XXXX, She began reviewing his closing documents and said that his HUD 1 states that he has an FHA mortgage. XXXX put in the request to change the type of mortgage of conventional back to FHA which was the type at origination. This process will take XXXX days she requested that I call back by Friday to confirm that it was done. 
XX/XX/2013I called XXXX and I spoke to XXXX to verify if the Mortgage type had been changed, I was told the request was misdirected and she had to check what had to be next. there is no work order. She then requested that proof be provided to XXXX that indicated that XXXX XXXX has an FHA mortgage. I asked if the client did not have proof then his type of mortgage would not be changed. I informed them that I will escalate this matter with HUD. He had a repayment plan, and a forbearance agreement which is available to homeowners with Conventional mortgages. He was not offered a partial claim which is only offer to clients who have FHA mortgages. This is predatory lending practices. I called the attorney 's office that is handling the foreclosure for the lender and was told by XXXX that the loan is FHA. I have contacted HUD to verify the type of loan and they said that they can find it. Please look into this matter. The loan type is not suppose to change. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: It 's quite simple. I held a junior mortgage secured by a residence where the borrowers ( XXXX and XXXX XXXX ) voluntarily said they could no longer make payments. With their consent and support, I foreclosed and was given a deed by the XXXX, but of course it was subject to the First Mortgage serviced by Green Tree Mortgage. Both myself and my attorney have been trying to get a payoff letter from Green Tree since XXXX XXXX. We have sent numerous e-mails, letters and left voice mails. We have contacted the attorney for Green Tree who is handling their foreclosure proceedings. We have indicated our desire for a payoff letter and our intent to wire transfer the full amount the same day we receive the payoff letter. That attorney, and Green Tree refuse to respond. Every day they hold on to their mortgage costs me money. Furthermore, they will obviously refuse to release them mortgage until they are paid in full, so I am obligated to pay for their " expenses '' of foreclosure including their attorney 's fees. So every day that goes by, my pay-off will be larger due to both accruing interest and their attorney & collection expenses. I believe this is nothing short of extortion. Their claim is that they can not provide me a payoff because I am not the borrower and there is a " privacy '' issue. But attorneys call mortgage companies every single day to obtain " payoff letters '' when an individual simply wants to refinance their note with another institution. This is no different. I simply want to pay them off, in full, as quickly as possible. 
I have intentionally omitted all names and personally identifiable information. But if you contact me, I would be happy to provide it in a secure manner so that you can help me. Please help!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Medical bill sent to collection agency, Americollect in XXXX WI. Total owed {$810.00}. Received notification from collection agency, called made arrangements to pay $ XXXX monthly until paid in full. Balance owed {$210.00} which I will pay off this month. Every month they call me asking for a payment even though I have made it. Last evening they called me asking for the balance. 

Company response: Company believes it acted appropriately as authorized by contract or law