AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I 've never been told that the bonus is calculated according to the statement period instead of calendar month, and the Santander rep who opened my account told me that every month I pay XXXX bill online and receive more than XXXX direct deposit, then I 'll get XXXX dollars bonus each month. And their public advertisement also indicated that it 's per month instead of per statement cycle. So, I paid XXXX bills online and have my employer direct deposit my salary to my Santander account. In XXXX 2015, I only received XXXX bonus for direct deposit and called Santander for the missing XXXX bonus for the online payment, they then told me that it should be counted by statement period, as I paid XXXX payments in XXXX, XXXX payment on XXXX, XXXX payment on XXXX, they wo n't pay for the XXXX bonus in my XXXX statement. The information I got was very misleading and it 's not right for them to forfeit my XXXX XXXX bonus for bill payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed lawsuits against TransUnion and XXXX. A s a result, these credit bureaus will not supply the required annual report for unknown reasons. 

Company response: Company chooses not to provide a public response
Consumer complaint: Financial Corporation Of America is trying to collect a debt that is not mine XXXX XXXX Hospital keeps sending these Frivolous charges to collection company to collection company 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail and have not received any response National credit systems is well aware that this account is fraudulent and still verifying it with the credit bureaus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was online ( AnnualcreditReport.com ) requesting my credit report from all three reporting agencies. I got a message from Experian indicating that I had already received my report - see below. This request today is the first request I have made in over three years. I attempted to contact Experian ( XXXX ) and was routed to a automated system wit no option for speaking with a person. I was able to find another number ( XXXX ) - this is for subscription support. Here I was told the number ( XXXX ... ) was the only way to get in touch with Experian Credit Bureau and I was welcomed to request/access my credit report at freecreditreport.com . 
What I am having a very hard time with is the fact that this company is a " public '' company that sells credit support services and is also supposed to also provide a mandated service to the general public. They are not meeting this mandate! Providing a number that does not facilitate any option for problem resolution is derelict and should be addressed. They can not serve two masters. This is the same agency who dropped my fraud alert statement and refused to update it after I had my identity stolen. I am very concerned that their system is indicating that I have received a report which is not true and I have no way to find out additional information or speak with anyone concerning the matter. However, if I had an account I would have been assisted immediately. What exactly are my consumer rights when it comes to getting the support necessary from theses agencies? 
If my experiences are any indication of how they comply with the mandate they are given then, consumers need protection from Experian! 
Here is the message I received : Annual credit report can not be accessed**Attention! 
Our records indicate that you have already received your free annual credit report from Experian. Would you like to request your free credit report from freecreditreport.com*? *****The XXXX.com report will be in a different format than the XXXX Report, but will contain the same type of credit information and inquiries that a lender or creditor will see when they check your credit. 
You may also purchase a full credit file disclosure on our site for a fee of up to XXXX, which displays all inquiries for your credit report, including inquiries which are not disclosed to creditors. 
XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Requested Midwest Service Bureau to not call me at my employer during conversation in XXXX 2016. I was paged through my employer today, XXXX/XXXX/16 @ XXXX, by XXXX XXXX at Midwest Service Bureau regarding the same accounts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Our mortgage originated with XXXX, was transferred to Green Tree for servicing, and is now serviced by ditech. Our taxes and insurance have been paid by escrow with our mortgage payment since XXXX remade our mortgage. Without having received an escrow statement or reason for doing so, ditech has suddenly raised our monthly escrow payment by $ XXXX/month. Our real estate taxes have n't increased in years and our homeowners insurance has not changed significantly to justify such an increase. The escrow increase has changed our monthly payment by more than 30 % and has created a situation where we can not pay our mortgage on time due to the increased amount due. ditech still has not sent an escrow statement or written reason for this drastic change in our payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Bank has routinely charged {$35.00} for payment of checks and electronic debits when there are insufficient funds available in my account at the time the item is posted. However, they have recently ( as of XXXX 2015 ) started to reverse the payment, crediting it back to my account, without crediting the fee, and subsequently returned the item as unpaid, for which they assess an additonal {$35.00} fee. and most recently, after this back and forth with paying, then returning the item has concluded, they have presented the same item for payment four ( 4 ) times in as many days, assessing the return check fee of {$35.00} each time. this has never occured in the history of my account, and when I asked my branch why this was happening, I was informed that, although there once was a law that limited banks to three times that they may collect NSF fees per item, today there is no limit to the number of NSF fees a bank may charge per item .... Because I did n't believe this was the result of an impatient merchant, I called the merchant who the check had been made payable to, in an effort to halt the snowballing NSF charges now topping {$210.00} for a check in the amount of {$40.00}. The merchant informed me that they do not make repeated attempts to secure payment of any item following the return of an item for non payment by the financial institution is was drawn upon. My bank refuses to acknowledge this double-dipping practice and despite the clear and irrefutable documentation that validates my concern, Im spoken to as if i lack the basic understanding of how a checking account works, and if that were n't enough, Im told, that If I just maintain a sufficent balance to cover the checks i write, this would n't be a problem in the future ... I am absolutely disgusted! This account is a joint account I share with my XXXX old mother who 's finances I manage. Her household finances are now in complete disarray as a result of her checking account balances fluctuating several hundred dollars from day to day. She feels completely helpless and it has caused her severe emotional distress. I have every intention of closing this account, and opening an account with a local bank with a better record of customer service, but not before I recover the total of these erroneous fees, now totalling over {$1000.00}. This bank has engaged in deceptive and unscrupulous practices for many years and I it needs to stop! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with WELLS FARGO MORTGAGE. I asked for a loan m modification and was given the run-around. They seem as if they were purposely trying to make me loose my home. They tell you that you have to to be late before they can process a modification. Then while I think they were processing the modification, they were behind my back trying to foreclose. My mortgage was sold several times. it is a XXXX account. They keep adding fees that I do n't owe them to my balance. 
I bought my home in 2006 at XXXX I made my payments every month. 
the balance never seem to go down. This bank is not right 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA screwed up my escrow account for property taxes. Last year I was only in the house for 6 months so I paid half the taxes and they used that same amount that I paid last year for only half the year for this years taxes which were for a whole year. So now I need to pay {$2900.00} extra or add more to my monthly mortgage payment. They claim it was n't their fault and that the taxes increased but that is not the case the taxes are exactly the same all that changed is instead of only paying for 6 months we paid for a full 12 months. USAA also tried to sell my mortgage off only 2 weeks after we signed it. Something needs to be done about their shady business. They are supposed to help veterans and their families but all they do is cause grief. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear Debt Collector : I will like for you to cease and desists all communication with me, both written and verbal. 
You are now the XXXX or XXXX company that has contacted me regarding this a debt with XXXX. I have several vehicles with XXXX all in good standings. The vehicle in question was involved in a rollover accident and the insurance paid the claim. I have provided the information multiple times and consider this matter closed. 
I asked him to stop calling me and he became hostile. I asked for him to do some research and he told me it was my burden of proof. I explained to XXXX XXXX that I had already provided this information multiple times and it seems that they stop for a little while and then someone else starts calling. 
You are also calling my CELL PHONE and you do not have the right or the permission or my consent to call me at this number. XXXX called me multiple times XXXX at XXXX and again at XXXX pm on XXXX/XXXX/16. Is this harassment? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I tried to dispute Name ( s ) associated with your credit on Experians website and it would not let me delete names that were not associated with me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have mortgage loan with Select Portfolio Loan Servicing or SPS. They had bought my loan from XXXX while it was in the process of a modification. It has been almost 4 years since and my modification keeps being denied on the basis of my self-employment income -- income which they have miscalculated each time. A different income is calculated even when I submit the same income information for my modification. 

When I finally got XXXX involved to help me, this miscalculation did not stop. As recently as this past XXXX, XXXX had calculated my income to be at 22 % in terms of my expenses ; yet again, my modification is denied due to income calculation. This has been my second denial with XXXX 's help. I just do n't know what to do anymore with SPS. I am trying to keep my home but they are trying to kick out of home. Please help me! 

XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. Bay Area Credit Service stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with Bay Area Credit Services to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the XXXX debt which I thought I had settle earlier that month. Bay Area told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I sent Macy 's XXXX letter an they are refusing to remove my account from all three major credit bureau after receive my payment 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ordered computer from Best Buy with my CITI credit card. {$1700.00} Cancelled order within hours of making it and within B.B XXXX ; documents.Never received product. BB has documented authorizing CITI to refund my money. I have provided CITI with extensive documentation of BB authorizing them to return my money. CITI ignores it even though they have the documentation. Documentation shows that CITI is ignoring it 's own rules by pushing back when I can get my own money. 

Company response: Company chooses not to provide a public response
Consumer complaint: CITI card services continues to call and leave messages at my place of employment. I do not and have never held a CITI card personally of for my company. I tried calling for over a week with no response, then on XXXX/XXXX/2016 I was hung up on by a XXXX, XXXX, XXXX and the escalation department with no assistance. This is either a scam or they have violated my rights. My employees think that I have unpaid bills, my credit XXXX be in jeopardy based in incorrect information. 

XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian continue to maintain inaccurate account information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have provided sufficient information to prove to them that the account status information for both accounts are grossly inaccurate as well as not showing the accounts being discharged in bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: All of a sudden account appeared on my credit report on TransUnion from XXXX 2008. This account was part of the identity theft case that I was a victim of. Now they reported that account back on my credit report as closed, but shows that it has 3 late payments. I made a dispute with credit bureau but they do n't want to remove this off my credit. 

The account is XXXX # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX and XXXX 2016, I filed two complaints with CFPB against Bank of America in XXXX XXXX California ( XXXX and XXXX ) and for some reason I was quickly locked out of my account ... Therefore I could not get in to receive updates on this process ... okay restore my account information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello I have been a Barclays account holder for several years having multiple accounts. They ended up closing my Barclay Arrival XXXX ending in XXXX however they did not release the accrued rewards in the account. I talked to someone when I inquired about my account closure and it was my understanding that I would receive a check for the rewards that were accured which was for over {$1000.00}. I have not seen any credit/check from Barclay and any further communication to them tells me I will get account closure info in the mail. On my XXXX XXXX, 2015 statement it indicated I had XXXX reward points available. However I have not been able to get these rewards out. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were renting the mobile home which the owner offered to sell to us. We went to Wells Fargo for financing since we did all of our banking with them. My wife and I first met with XXXX XXXX in XXXX of 2015 and discussed different financing options. At this time she informed us that we needed to have the monies for the down payment, etc. to be in the bank for at least 2 months before closing. This would push things into XXXX, 2015. I signed the sales contract with the owners on XXXX XXXX, 2015 with a closing date of XXXX XXXX, 2015. For the next 4-5 weeks we had little contact with XXXX. when I called I was sent to her answering machine or when I sent e-mails it would take days for her to answer. She even sent me a response that did not pertain to me, but someone else. Finally, around the middle of XXXX, 2015, XXXX started working on our loan. At one point she mentioned that she had been working on other loans that were easier because mine was so complex. I do n't know why. Unfortunately she did not work fast enough and the closing date arrived. At first the owners seemed to be open to extending the contract, but changed their minds and cancelled the contract. They retained a real estate agent and increased the sales price by {$6000.00}. They also wanted a closing date of XXXX XXXX, 2015. Since XXXX could not perform her obligations for financing in a timely manner, having had 6+ weeks. I decided to find other financing. With a new financing company I was able to close on XXXX XXXX, 2015. The owners were willing to extend the contracts due to the holidays. 
In conclusion, I feel that due to XXXX inattention and inaction concerning my loan. it has cost me {$6000.00} increase in the sales price plus the loan I did receive was at a higher rate than what she had guaranteed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/16 I filed a complaint with this office concerning the violations of Transunion on my credit report. I also filed a complaint with the XXXX XXXX XXXX XXXX. I looked on XXXX a few mins ago and now my credit score is XXXX. A XXXX point drop from yesterday. Plz I am asking for some help. They continue to leave stuff on my report and penalize me for their mistakes. I am about to lose my house, be sued, and all because the wo n't follow the law and do what they are supposed to do. I have XXXX XXXX XXXX and I do not need this stress 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls. 
Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint with Consumers Financial Protection Bureau ( case number : XXXX ) on XXXX XXXX, 2016 that I received a letter from my bank, Ditech that they are going to foreclose on my house even though I was working with them on loan modification. CFPB sent me a message that Ditech asked for an extension in responding to the complaint. Before responding to the complaint filed with CFPB and while in the middle of a loan modification, they put my house for sale at an auction and it was sold to XXXX. I really need your help as soon as possible. I want to work with the bank, I do n't even know what to do now. Whenever I call the bank they respond that they do n't understand whats going on and they need more docs for the loam modification. I message was posted on my account after the house was sold that they are looking for XXXX documents. 

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