AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I placed an order using my Sears Gold Mastercard. Two weeks later a freight carrier called to schedule a delivery. I informed the carrier that I wanted the opportunity to inspect the package to ensure that there was no damage, and that package contained what I ordered. The carrier responded that I would have to pay the an additional {$100.00} to the vendor. Since that would have been a cost over and above the agreed upon purchase price, I told the carrier I would not accept the delivery. No attempt was made to deliver the item. The vendor charged me the freight to return the item, and a restocking fee 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am in the process of buying a new home and securing lending on a jumbo loan. I have no debt to my name, a credit score higher than XXXX and more than sufficient funds for the 20 % down payment. I am gainfully employed at the some company for the past 10 years and in the same line of business for over 20 years. At issue is documentation required from the lender to approve my loan - specifically a mortgage or rental history for two years. I owned a home XXXX that I purchased in XXXX and sold in XXXX when I moved XXXX and purchased a home in XXXX that I sold in XXXX. Since that time I have been living XXXX rent free. Because I have the benefit of good friends and family members in the area while I continued to search for a home to purchase, I am now being penalized by having my loan not approved for this isolated reason. My impeccable credit report and payment history from XXXX is insufficient? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : XXXX XXXX XXXX, XXXX, XXXX XXXX # VA XXXX Dear Consumer Financial Protection Bureau : This is a letter of formal complaint regarding Ditech Financial, LLC, XXXX. XXXX XXXX, XXXX XXXX, SC XXXX handling of my loan and intended modification application submitted since XXXX XXXX, XXXX. 
As an honorable veteran who has served his country faithfully, I initially utilized my entitlement to obtain a home loan in XXXX. Since purchasing the above property in XXXX, the home loan has been " sold '' approximately four ( 4 ) times. In XXXX, XXXX XXXX 's acquired the Ditech brand due to FCC and your charges against Greentree Mortgage Company. Apparently, this acquisition has not eradicate years of Greentree Mortgage legal and unethical practices towards their consumers, because Ditech is the same, if not worse to their consumers. They are unethical, harassing me about my debt, calling all times of day and night, from different numbers, when I have told them not to contact me, being misleading and threatening towards me. 
Since Ditech Financial, LLC has handled the loan, my experience with the company has been totally reprehensible and a violation of my rights. The company has failed to appropriately handle my loan modification request submitted on XXXX/XXXX/XXXX, after I filed numerous complaints both, verbal, written and in contacting their corporate office. Instead of resolving the matter, my complaints aggravated the entire matter without any personal recourse or advocacy. In submitting the loan modification application, they would always provide " XXXX to XXXX '' DIFFERENT FAX NUMBERS TO EITHER SUBMIT OR RE-SUBMIT INFORMATION which has been very misleading. After submitting the information, they would always say " they did not receive the information. '' My PERSONAL INFORMATION WENT TO SOMEONE ... SOMEWHERE!!! With months of delaying the loan modification, my credit rating has been affected, additional costs have occurred on the loan and this ordeal has taken a mental and physical toll on me and my family. 
I am locked into Ditech being my loan servicer. At this point, I do not feel or believe that I am or will be treated fairly regarding my loan modification or any other matter. I am in financial distress, and I am not seeking to negate my financial responsibilities. However, I am attempting to work towards resolving my delinquent status and to modify the mortgage payments. 
Lastly, I and my wife are very disturb to the fact that Ditech had a third party to deliver a " door knocker '' to our address on XXXX/XXXX/XXXX with a number of XXXX. When my wife called the number it was a XXXX XXXX!! When my wife brought it to XXXX ' attention and thought it was intentional. They responded as if it was not a problem or concern. The next month on XXXX/XXXX/XXXX, the " door knocker '' had a different number, XXXX. 
Sincerely, XXXX XXXX. XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a bestbuy credit card account with a {$300.00} line of credit. They wanted to charge me an annual fee of {$53.00} in XXXX. I sent them an e-mail requesting that they waive the fee since I was uncomfortable paying the fee. They refused. I spoke with them again and asked on their chat application. They said they could n't waive it so I asked them to close the account. They never said they would continue to charge me for the fee and now they 've hit me with a {$32.00} late fee. They also call XXXX a day harassing me. I want this resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be six months delinquent so my first delinquency would be in XXXX of 2009 and if I was six months behind on a car lease GMAC would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because GMAC is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to XXXX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into GMAC or it would be seven years from my first delinquency 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We are renovating our home and order supplies from Home Depot and charged it on our Citi Bank/Home Depot card. Our credit limit is {$500.00} and we have never wanted to increase it. My score was over XXXX, apparently deciding whether to return or order another XXXX my HD/Citi card went over by {$96.00} around XX/XX/XXXX. My billing cycle is the XXXX of each month. I was n't advised at all from Citi Bank/Home Depot that I was over the credit limit even though I have it listed it on my online alerts to let me know should that happen. I learned by an online alert XXXX XXXX that XXXX of my accounts was over the credit limit. It resulted in my credit score going from XXXX to XXXX along with the negative effect it has by going over your credit limit. I immediately made payments ( see payment information attached ) which should have reflectected by my billing cycle. This overage was n't over 30 days and it was well before my billing cycle. You will see that they still have n't updated the XX/XX/XXXX billing cycle but still reporting over the credit limit. Is n't that the purpose for having the same day each month with the credit card company as your billing cycle to allow you enough time to make any adjustments prior to them reporting on all XXXX of your credit bureaus. I am in the middle of applying for a business loan and the first thing the bank sees is that I am over the credit limit on a {$500.00} credit line. This is painting the wrong picture of my credit worthiness which also is reflected in my payment activity. My wife has worked in the XXXX for 30 years and ca n't believe that Citi would report the overage before the report the payments. Is this their way of charging a higher interest rate? I am hoping to resolve this issue through your site as I have tried on line Chat, email, telephone with no response at all. Please help me before the bank uses this to charge me a hard money rate. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Past Dispute XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XXXX XXXX, XXXX XXXX XXXX, XXXX Completion Date Dispute Results TransUnion received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. 
Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 
If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 
Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX, XXXX Open {$87.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date Responsibility Individual Balance {$87.00} High Balance {$87.00} Remarks Placed for collection 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 at XXXX I had a miss call from XXXX XXXX XXXX XXXX. I called the number back at XXXX and discovered it was a collection agency. The collection agent did identify who she was and confirmed the number I was calling for and asked if I was a XXXX. I informed her that I did not know a XXXX. The collection agent then asked me to hold while she checked something else and asked if I was who I was and she confirmed my date of birth. I informed her that I was and she informed me that she was call to collect a debt for XXXX XXXX Bank. I informed the caller that I did not owe the debt and they were attempted to fraudulently collect a debt and not to call me again and I was going to report them to the Consumer Financial Protection Bureau. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A leasing agent that I am attempting to use states that there is an outstanding balance showing due through XXXX for an Apartment complex. I have attempted to contact XXXX but no one seems to know what I am speaking of. Apparently the debt is being reported to XXXX but everyone I have spoken to does not know what I am referring to. This is technically not my credit report but it is affecting my ability to rent and I have not way to view the report so I am unable to dispute the charge. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX, 2015 I applied for a Goodyear Credit Card at a Goodyear service center and purchased tires. I began to fill out the paper app and was told to just wait and the sales rep would do it on the computer instead. I watched him and checked over the printed information after he was done. I have my multiple copies of my invoice which show my correct bill to street address which is what he used for my credit card application. 

I did not receive anything in the mail, and assumed it would be a few days extra due to the holidays and new year. 

On the morning of XXXX XXXX I called the contact number I found online because I had not received a card or any information yet. I was told that the address they had was incorrect ( missing apartment number ) and the original card was not returned to them and they would promptly send out a new card with a new number. At that time I made a {$200.00} payment over the phone because the payment was due on XXXX XXXX. 

Last week ( I believe the XXXX ) I got a phone call saying that i needed to make a payment on the Goodyear card. I told the female representative that I called on the XXXX and made a payment, and the representative said " oh I see that now, sorry for the inconvenience '' and hung up. 

I got a call this morning ( XXXX XXXX ) from another rep saying that I still had not made a payment. This time she informed me that the first payment was in the computer but they must have put in the wrong information and it was not processed. I made ANOTHER attempt at an over the phone payment this morning of {$200.00}. 

I FINALLY received my credit card the afternoon of XXXX XXXX. I was able to then access my online account and saw that I was penalized with a late fee of {$27.00}. I utilized the chat feature of the website and connected with a representative named " XXXX '' at XXXX ET. After speaking to him and him telling me that it was a late fee because they did not receive payment and that there are two " attempts '' at a payment on the account, I advised him of what happened and asked when the late charge would be removed and and he stopped responding. After 25 minutes of inactivity I closed the chat window. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2016 I had {$360.00} in overdrafts posted to my account. On the end of business on XXXX/XXXX/2016 my ending balance was {$4300.00}. Posted transactions on my account for XX/XX/2016 was {$3200.00}, which my available balance on the end of business day on XX/XX/2016 should have been a positive {$1100.00}. I was assessed XXXX overdrafts on many of those items that were posted with a positive balance for a total of {$360.00} This bank is crooked with ghost overdrafts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have constantely requested the company not to contact me at work because it 's a monitored land line and I am not authorized to take personnel calles on this work line. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On Thursday XXXX XXXX, 2016 I tried to perform a transaction using my check from Suntrust Bank, my transaction was declined. I contacted Suntrust via telephone immediately to find out why and i was told my account had been closed, when I asked for the reason why, I was told it was per their upper management. I mentioned that I had not been contacted informing me of the closure, they said a letter had been mailed out the day before and that I would received the money from my account in 2 weeks. Today XXXX XXXX, 2016, I received a notification informing me that my account was over drafted by {$4.00}. I contacted them and explained that since I was given no warning about the impending closure of my account before it happened that it was something that did not clear until after they had closed my account and removed the money therefore I should not be responsible for it. I was told I still had to pay it or face an overdraft fee. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is incorrect information on my credit reports that I wish to dispute. My lender agrees and intends to correct the information, but needs to receive the dispute electronically from the XXXX credit reporting agencies. 
I was able to start disputes online through both XXXX and XXXX. However, when I tried to start an online dispute with Experian, I received the message " We are unable to honor your request for a credit report online. '' Information about how to dispute by mail was provided but no telephone information. Eventually I found a number to call, but there was no way to talk to a live person. I was hung up on several times by the automated phone system as I tried to navigate the system. 
Eventually, I was able to order a copy of my credit report by mail. Now I have to wait up to 10 days to receive a copy by mail, when I already KNOW there is an error and want to start an investigation. I will keep trying to initiate a dispute online until I receive my copy in the mail. This is costing me valuable time, because I need XXXX to send the dispute to my lender, who intends to correct the information. 
If the Experian system is not able to process online requests for credit reports, there should be an option to talk to a live person. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a letter from First National collection bureau regarding XXXX funding. I have documentation from XXXX who told me they are not going to attempt to collect on this because its over 10 years old and they are barred from trying to collect on it. But XXXX broke their promise and still are trying to collect on a 10 year old debt. A debt is suppose to stay on your credit for 7 years and fall of, but they keep trying to collect on it. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Our Landlord, XXXX XXXX, wrote a letter in XXXX 2015 and told me and my fiance that we owed them an amount of money that was incorrect. We had no security deposit. Our lawyer wrote to XXXX XXXX and the person XXXX XXXX, our lawyer spoke to at XXXX XXXX agreed the amount owed was incorrect. She agreed to send another letter with the correct amount owed by us to our lawyer. She never heard from XXXX Properties again, and nor did we. In XX/XX/XXXX we received a letter from a collections agency. We did not immediately respond to the collections agency because we had already had a run around with the landlord. My fiance did tell the collections agency that we were represented by an attorney. The collections agency reported this alleged debt to the credit agencies before we ever were able to agree or disagree about the corrected amount owed with our landlord. Our attorney wrote to both the collections agency and the landlord regarding the laws that they had violated and neither has responded to our attorney at this time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a VA refinance loan with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX. My application was denied because of an INCORRECT report provided to them by Experian XXXX. XXXX XXXX, XXXX, XXXX, XXXX. I had been a ID theft victim in XX/XX/XXXX & notified all XXXX major reporting agencies by certified mail. They also reported that : " serious delinquency and collection has been filed ", which is again incorrect ( I also checked XXXX XXXX! ) because I filed a Chapter XXXX, final on XXXX/XXXX/XXXX. This blatantly WRONG information cost me obtaining a lower interest rate refinance rate! ( I 've been told that a BK should NOT preclude me from a refinance of my original loan! ) Also, I know have discovered that XXXX has been " dropped '' by the XXXX & fined by the FTC? I 'd like EXPERIAN ( the only XXXX of the XXXX major reporting agencies to file a negative report! ) to immediately correct my record! Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Email : XXXXXXXXXXXX, Ph : ( XXXX ) XXXX. Experian & like agencies do not respond to consumers, or can they be FAXED, E mailed. or called to correct same! Note : XXXX XXXX still advertises on TV! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, I had been a long standing Citi Credit Card customer for the last 16 years having the account go back to 2000. In XXXX the account abruptly closed without notice to me. I only found out about this when I attempted to update my contact info and was unable to online. When I called to update it I was informed the account was closed due to inactivity. Like many other young Americans I 've been working my way out of debt and had reserved this card for emergencies. Had I known of an inactivity limit or been given a warning I would have taken steps to prevent this. 

Upon learning this I asked for the account to be reopened and was informed I would have to submit a new application for this including a credit check. I do n't understand why this was necessary with 16 years of good history but I consented even though it would mark as a hit to my credit. A few weeks later I received a letter saying my request had been denied due to insufficient information even though I answered every question asked by the representative during my original phone call. I was given a number with a time window to call and have this taken care of. I called the provided number and after a 1/2 hour on hold was told a different department would need to call me back. They never did. I wrote an email stating I did not understand the problem and asked for the correct people to call me. Another generic customer service rep called and again transferred me to a different department. They said I needed to submit a new application, something I had already done something I did n't want to do with another hit to my credit. During this process I was disconnected and was not called back. I wrote again asking the correct people to call me and stating I do not understand why this is such a hassle. 

During these phone calls I was also given conflicting information by 4 or 5 different representatives. Some saying I had 3 months to reopen the account, some saying one year. In either case it has resulted in unnecessary credit reports being pulled potentially damaging my credit. Citi fails to properly process my requests and give me accurate information about the status of my account and reapplication. One simple phone call from an appropriate representative could have solved all my problems. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed an official dispute with Experian on XX/XX/2016. I stated that XXXX XXXX XXXX, a creditor on my file, has misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Experian return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Experian has not provided any further information to explain why they have decided not to update their files. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I took a {$5000.00} loan from Sallie Mae. I faithfully made payments for 5 years. My father passed and I had to quit working and move in with my mother. The loan defaulted. They are now demanding I pay it in full and will not offer reasonable loan repayment options. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank billed me for a balance transfer check in the amount of {$920.00}. I never wrote this check, so I called them to complain about this fraudulent and they sent me a new card and said they would reverse the charge. The next statement shows a balance transfer fee for {$36.00} - this is 4 % of the balance transfer they said they would reverse. Why is Citi charging me a fee for a charge that I never made? Upon contacting their online representative, I was told I need to get on the phone with their call center for a third time. please have them do the right thing without havign to talk to a person every few days. 

Company response: Company chooses not to provide a public response