AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Upon purchasing my home, I set up an escrow account to handle the taxes and insurance. Based on previous tax information available to me and the Stearns Lending, I was able to tell they were not taking out enough money to cover the taxes. I phoned them about the issue and they assured me they were taking out enough but they would reassess within 90 days. At 90 days I called back still sure they were n't withdrawing enough money and was again assured they were. I specifically stated my concern that I would recieve a large bill if they did n't take out enough and they assured me they were. A few months later, after a disbursement, they even reduced the payment by a small amount. This month I received XXXX tax bill or a {$1500.00} increase on my monthly payment because for the past 15 months, they have n't taken enough out. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Loan XXXXSecond complaint regarding SLS, and their inability to properly calculate my monthly payment as agree in a modification to a Heloc XXXX 2015. My monthly payment as agreed for 36 month is {$290.00}. I filed a complaint previously upon receipt of a statement claiming I owed {$580.00} per month with an amout past due of XXXXand some in suspense, for a total of {$1200.00}. Sls reviewed and removed past due amounts, but sent me another statement claiming I owed {$580.00} for the XX/XX/XXXX payment, yet their automated system says I owe {$55.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased an item on " XXXX '' and paid using my " XXXX '' account under creditcard- ( citi mc ). 
a month later after reviewing my creditcard statement it showed a cash advance Fee charge + intrest now accruing every month. I called and they said the transaction went through as a cash advance. Citibank mc refused to reverse the charge saying XXXX needed to do it. XXXX refused to do it saying it could not be a cash advance because they dont allow it. I had both reps on a XXXX call, and they both argued with each other saying there was a mistake but neither could do anything about the charges, with me caught in the middle. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing regarding a rewards credit card. My points earned in XXXX posted the account in XXXX. I had earned {$1200.00} worth of points/gift certificates in the period for the posting date ( 30 days later ) of XXXX XXXX. The points were redeemed for target gift certificates. After redemption, per Citicards agreement Citibank has an additional 30 days to mail the earned points certificates to the client. On XXXX XXXX I received an email from Citicards notifying me that the {$12000.00} worth of gift certificates had shipped. When I contacted them on XXXX after not receiving the gift certificates, I was told by a " supervisor '' that the gift cards were not able to issued by their vendor with no apology and that the points are now being reposted to the account but wo n't be available until XXXX XXXX, and that Citibank/Citicards will ship them 30 days after they are redeemed again. 

As a consumer, there is an agreement. My points take a month to post and then when redeemed the credit card company processor has 30 days to comply. The gift cards should have been sent by the latest date of XXXX/XXXX/15 however the order was unfilled without notice ( other than the email sent showing that they " mailed them '' ) due to Citicards failure to comply with their cardholder agreement. 
I was told by operation XXXX in the Florida XXXX order, Team # XXXX that it was " my fault because I chose not to get cash back and instead chose gift certificates '', which is why Citibank failed to comply with the cardholder agreement. 
I was then told that I would receive a call back 3 days later on Saturday, but it would more likely be Monday regarding this but there was XXXX INTENT upon doing anything or HONORING their cardholder agreement. 
At this point, Citibank 's negligence is shocking and their customer service is deplorable. I signed up for the credit card after being a Citibank customer for 10 years, with the intent to follow the credit card holder agreement but yet Citibank has illegally failed to do so on their part. The rewards gift certificates will not even be received until XXXX XXXX at the earlier because of they wo n't repost to their system until XXXX XXXX and they have 30 days to send them from there. 

In short, Citibank is attempting consumer fraud by their complete disregard for the cardholder agreement and the failure to provide goods as agreed upon. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, a credit card with a new account was delivered from Bank of America to my front porch via XXXX. No signature was required and it was just dropped off. Within 6 hours, the card was used fraudulently and the entire credit limit was used. I reported the card to my bank within 6 hours of the delivery and an investigation was opened. I have since found out the case was denied and I am responsible. I have asked the bank to reopen the case but they are telling me I 'm responsible for this until it is looked at again. I have XXXX pages of documents that I have tried to fax to them, including a police report, a receipt that shows the suspect gave his real name, city, and phone number, to make a purchase. I have faxed this information twice, received a confirmation that it went through, yet the bank still says they have not received the fax. In the past week, I have received three different answers to questions and do n't feel the bank is helping me. I have plenty of proof but continue to hear I must wait for the bank to assign this case again. They refuse to credit my account while they look into this and tell me I must make at least the minimum due in order to protect my credit rating. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a credit card with Citi. Their card account website shows the card 's " Current Balance '', which does not include pending transactions. These transactions are then applied in non-chronological order, which is misleading. In addition, there is no running transaction total column next to the statement of credit card purchases, which further compounds the problem. As a result, I end up not being able to repay the full amount owed by me to Citi each month because the Current Balance shown is not accurate. This works in the bank 's favor by hiding balance information from me and potentially allowing them to charge me fees if I underpay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made XXXX payments in XXXX XXXX for {$7.00} and XXXX for {$410.00} both made within 24 hours of each other. WF credited my {$7.00} payment to XXXX and my {$410.00} payment to XXXX then charged me a {$25.00} late fee. I have called customer service twice and was told on XXXX XXXX that I made my {$410.00} payment too early. I have requested that the payment be applied correctly but am getting no where. I am now receiving " homeownership counseling '' letters from WF when I have never been late on this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Incorrect reporting of my status by Experian The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Experian needs to correct my account status as Mortgage included in Bankruptcy. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Incorrect reporting of my status by Transunion The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Transunion needs to correct my account status as Mortgage included in Bankruptcy. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I thought I was applying for a balanced transfer but instead it was a cash advanced. In addition they never calculate or show during the process a fee for a transfer ( actual cash advanced ) the amount for the transfer ( cash advanced ) until after the transfer ( actual cash advanced ) It says transfer everywhere, they talk of balance transfer, no mention anywhere Cash Advanced, I was told 3 days later at the bank office it was not a Balanced Transfer but Cash Advanced. different fees, different monthly payments every month. How deceptive. I was told by someone in the Corporate office I could get it changed once I paid it off. Give me a lie then I have to pay for that. Why are they allowed to run a XXXX XXXX like that? 
Solution : They should be made to place cash advanced description on there website in big bold print, capital letters. There is a reason its not there. How sad to deceive people in such way, why are they allowed to even have a banking business. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been trying to apply for college loans and have been unsuccessful. Upon inquiring about my credit score, I have found XXXX different times when there are large charges under my name from the following companies : XXXX ( XXXX ), XXXX, and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company is not properly reporting my on time payments to all three credit reporting agencies. They do not report my payments or even that I have a mortgage with XXXX. Ditech currently reports my debt to be reaffirmed after Bankruptcy to XXXX and XXXX. And per Bankruptcy laws and FCRA my monthly on time payments need to be reported as such to all three credit bureaus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The debt was placed on my account XXXX 2015. I am currently in the process of reviewing my credit and came upon the debt on my credit report. I was not informed in writing of this debt before it was placed on my credit report. I contacted the collection company ( Enhanced Recovery ) and they could not validate that this debt was mine and they also refused to remove the debt from my credit report as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been working on my credit and fixing it for over a year, to refi my car loan with XXXX XXXX that had a huge intrest rate. I got my credit to a XXXX and was ready to start looking to refi. Well I am a Wells Fargo customer and have had over XXXX in my account for months, credit card with them, saving etc. I got an email from them stating " good news since your good standing with us you have been approved for a refi car loan with us! '' I was happy and started the loan app online. Right when it said at the end, continue, submit or save for latter I hit the " save for latter '' button due to wanting to talk it over with my Husband first before continuing. Well the next day I got a notification that a hard inquiry hit my credit. I looked it up and it was Wells Fargo! I was so mad, my score went down to XXXX 's! I called the local Wells Fargo, complained, irate and mad and explained what happened. There was nothing they could do, since it was online. At that point I thought do I just go in and see what they can do, or take the hit on my report and go some where else. I was mad and did not want to use them, after they checked my credit with OUT my authorization! I went in and since it was already a hit and checking to see if I would qualify. I got a letter XXXX weeks latter stating that my credit was too low, and had to many collections ( I had not one thing in collections! ) So not only did they check my credit with out my consent, they fooled me into thinking I was already approved and lured me into filling out an app ( even though I did not hit continue ) its still pulled a hard pull and my credit dropped, I was never refinanced and now had to go else where to get credit pulled again to get another refi, with a lower score thanks to Wells Fargos deceit! I called, complained, and they can do nothing! This hard pull cost me XXXX points!!!! I never agreed to the hard pull, SAVE FOR LATTER MEANS, IM NOT CONTINUING NOW, I MIGHT LATTER!!!! It 's not right or fair! Please help me! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I attempted to pay my past due balance of {$2100.00} on XXXX/XXXX/2016 via XXXX XXXX on my XXXX account. I was not aware that XXXX did not have a bank to bank payment option with XXXX. Thus, even though I fully attempted to pay on the due date, the payment did not post until XXXX/XXXX/2016 because of the check method, the weekend and the following holiday XXXX on XXXX/XXXX/2016. I called XXXX to resolve this issue and did not receive any help. XXXX then charged me a very large late fee and reported to the credit bureau that I was late by 30 days. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Well Fargo has been trying to collect on a past debt which 9 years old & purporting that I made arrangements for payments and have not promised nothing ( I am on Social Security ) Under FDCPA you can not garnish under state & federal law - Now calling with threats of suing and XXXX XXXX has said that court documents were filed in XXXX XXXX, CA - Which is a bare face lie XXXX XXXX is violating FDCPA and attempting to collect on a debt beyond statue of limitations 2007 - A letter was sent multiple times Cease & Desist - However ignored request. Wells Fargo refuses to stop calling - Want to sue!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Net Credit contacted me via email back in 2013, I believe, in response to an online lending application made through XXXX XXXX. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of 160 %. During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account with a 160 % interest in XX/XX/XXXX. Shortly, thereafter, I began receiving work and personal calls indicating I owed a payday lender and they were going to have me arrested. It was not until XX/XX/XXXX that I learned XXXX XXXX was a payday lender as they identified their loan as an installment loan. I did n't owe anybody so I chalked it up as a scam call. In XXXX, I was notified by the IRS that someone had filed a fraudulent tax return in my name. During the investigation of identify theft, it was learned that Net Credit, XXXX, and XXXX online lenders were possibly linked to a nationwide scam group and identity theft. I was advised to contact the Commonwealth 's Bureau of Financial XXXX to learn if either of these companies were licensed and/or registered to do business in the Commonwealth. In XX/XX/XXXX, I was notified that none of these companies were legal in Virginia and their practices were fraudulent and violated federal and state laws, including usury laws. In addition, the Office of the Attorney General and the SCC advised that online lenders are illegal in the XXXX of Virginia. These lenders were notified immediately to cease and desist all transactions against my checking account and remove any reporting to any and all credit bureaus. They have continued to harass through multiple daily phone calls, emails, and most damaging, the reporting of these loans as valid and past due on my credit reports. I am seeking to have these accounts removed from the credit bureaus immediately. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. 
Pursuant to " Subtitle E Mortgage Servicing '' of the " DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide all information requested in the attached QWR ( see attached file ). 
Suntrust Response is invalid and false : " The address XXXX XXXX XXXX XXXX XXXX, CA is NOT and it was NEVER the address for " XXXX ''. Invalid Phone Number. '' XXXX is a DEBT COLLECTOR & a SERVICER. XXXX does NOT ORIGINATE LOANS. 
XXXX XXXX XXXX on Behalf of other investors. 

You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in " Subtitle 'E ' Mortgage Servicing '' of the ''DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ). 

Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 
You should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX SP XXXX at the XXXX XXXX XXXX courthouse in front of an alleged assistant clerk named XXXX XXXX XXXX acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ) .The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside of her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The alleged assistant state court clerk allowed a debt collector 1692a ( 6 ) who was attempting to collect a personal, family and household debt 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. The clerk threatened me stating she would call the bailiff into the room because I was objecting to statements made by a debt collector and because I asked if the court had given the debt collector prior written consent before they contacted me. The clerk was disrespectful to me by stating that I was to keep my mouth closed and only speak when spoken to ; and making statements that I should have gotten an attorney when I objected to my personal and private contracts being placed in the public record in violation of privacy laws. The assistant state court clerk additionally began advocating for the debt collector that an alleged debt was accelerated and I was given notice when I objected that I had not and asked for proof of delivery. For these reasons and the conduct and behavior stated above I am placing the complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Refinanced my home in XX/XX/XXXX with XXXX XXXX XXXX, the amount was $ XXXX.Term was for 480 months, interest rate 1.780 ARM..Countywide then XXXX owned the loan and in XX/XX/XXXX was sold/transferred to Select Portfolio Servicing..Monthly payment year 1 was {$760.00} PI. and increased yearly to {$1300.00} by the 5th year taxes and insurance were paid by me.Payments were suppose to increase to {$2100.00} in XX/XX/XXXX so I applied through XXXX for a restructure of the balance now {$290000.00}!!!!!! XXXX proposal was {$2200.00} PI with no mention of term or interest rate..I decline as this was not going to make my financial situation any better.At that time my payments were $ XXXX.XX/XX/XXXX when the proposal was made.The account was now with SPS and the monthly payment increased to {$1300.00} in XX/XX/XXXX PIT and I continue to pay the insurance.In XX/XX/XXXX the balance was {$280000.00} the payment was {$1300.00} a month and I still paid the insurance.I retired in XX/XX/XXXX and was even worse off financially, so again I applied for Restructured Solution through XXXX XX/XX/XXXX..SPS did not respond and in XX/XX/XXXX , I called and was told that the request was never received and as it was over 90 days since the application was made a new application must be submitted and I was encouraged to use SPS own program.The forms were mailed to me completed and faxed back with requested documents..I made numerous phone calls to SPS was only able to speak with assigned Relationship Manager once and when asked for a reason for the delay, I was told that the documents were with the underwriters.XX/XX/XXXX SPS made an offer of a '' 3month trial period '' $ XXXX.I could not afford this payment and did not sign the agreement.I borrowed money from my credit card to make sure I did not miss any payment. XX/XX/XXXX, I applied for assistance with principal reduction through the Keep Your Home California Program.necessary documents were submitted and in XX/XX/XXXX {$54000.00} was paid to SPS .and was told that i qualify for further principal reduction.The documents were completed and faxed .SPS repeatedly XXXX the same documents by mail and by phone..The statement XX/XX/XXXX had no amount to be paid written down, I called SPS and was told that no payment was due.XX/XX/XXXX statement was the same, I called and was told no payment due ... XX/XX/XXXX Statement was for {$1100.00} I called and stated that I was unable to pay that amount, and was told to pay whatever I can. {$700.00} was mailed. On XXXX XXXX, I received an offer from SPS '' 3 months trial period '' payment {$1000.00}. I can not afford this payment, it appears my hardship letter was not taken into consideration and i will not sign the offer.I got a letter dated XX/XX/XXXX stating my account was in default, ,it so happened that I have never missed a payment in the 30 years that i have lived in my home, I So it is time to get CFPB involved something smells FISHY. 

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