AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My name is XXXX XXXX and I have a mortgage loan with U.S. Bank Home Mortgage. A natural disaster occurred on XXXX XXXX, XXXX and XXXX XXXX gave a check with my name and U.S. Bank Home Mortgage for {$6400.00}. The contractors that repaired my home is XXXX XXXX and U.S. Bank Home Mortgage is refusing to pay the construction company for the materials and labor that was purchased out of the construction company budget. My home had damage from Hurricane XXXX and I was given Road Home and FEMA grants to place a new roof, the storm windows, air conditioning unit and repair the fence around the home. U.S. Bank Home Mortgage is withholding the money that belongs to the construction company. XXXX XXXX bought the material to repair my home and had XXXX employees that worked on my house for two days and U.S. Bank Home Mortgage is refusing to give the construction company the money from XXXX XXXX for the repairs of the home. The company bought all materials and use their employees and U.S. Bank is holding on to the repair money for themselves and the work on my home is completed. I am sending the receipts from the money I received from FEMA and Road Home to prove the claims the U.S. Bank did not sell me a new roof, fence and the XXXX building my husband and I add ten years ago. When I pay U.S. Bank every month it is only for the XXXX building I was sold in XXXX XXXX. They did not sell me the fence I added to the property, I added XXXX storm doors in the front and back of the home, air conditioning unit and the check they are holding is the money that the government gave me through grants from Hurricane XXXX. U.S. Bank is an evil company and is refusing to pay XXXX XXXX for the work and materials that they paid out of the company budget. THEY STOLE THE MONEY AND REFUSING TO PAY THE CONSTRUCTION COMPANY. The construction company is threatening to sue me and U.S. Bank Home Mortgage for not paying them the money for the tornado damages and repairs on the home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ditech Mortgage illegally and unlawfully withdrew {$390.00} from my checking account. I have autopay set up with Ditech and Ditech took advantage of my autopay by removing monies not authorized. My current mortgage payment is {$740.00} and I wished to pay another {$100.00} towards the principal. When I called to report this after much wrangling, Ditech agreed they were wrong. The Ditech Autopay system " had just been upgraded '' which I suppose gave Ditech a license to take my money. I want the CFPB to do a full investigation of Ditech 's payment processes online including a careful review of autopay. I was unable to cancel my autopay even though the system made me believe I had cancelled autopay after I discovered the unlawful withdrawal. Ditech had to remove the autopay in a phone call. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have been trying to come to a resolution for loan XXXX since it was transferred to Select Portfolio Servicing from XXXX XXXX XXXX XXXX XXXX. It is now XXXX XXXX and I still can not come to a resolution with my servicer. My main complaints are ignored each and every time. I have sent several Qualified Written Requests and Letters of Explanation to Select Portfolio regarding the following disputes and the responses are vague. The servicer has a trustee sale date scheduled for XXXX XXXX, XXXX and they are not legally bind to foreclose. 
Disputes : 1. I was approved by Keeping Home California / Hardest Hits Funds for the Principal Reduction Program that Select Portfolio participates in. The agency has sent several notices to Select and all have been ignored. I have stated this approval in all written documents to my servicer and all attempts to get an answer is ignored. 
2. I am repeatedly told by my servicer that the investor on my loan ( XXXX XXXX XXXX ) will not approve loan modifications on the account. The servicer advised that the loan is owned by XXXX XXXX XXXX XXXX. I checked the trust and my loan is not shown in the list of loans and loan amounts. After further research, I find my home loan in the XXXX XXXX XXXX XXXX with a completely different investor shown. I provide this proof to my servicer in written document and all attempts have been ignored. 
3. I have not been offered alternative programs to avoid foreclosure. 
4. Single point of contacts at the servicer has been changed practically every month. XXXX representatives on file, XXXX XXXX and XXXX XXXX have tried to talk me into allowing the servicer to foreclose on the property. My last phone conversation with XXXX XXXX resulted in her offering me a cash payout. 
5. The current mortgage loan is not the same loan before it was sold to my servicer. The servicer advised that the loan was modified but the modification was canceled by my previous servicer. Select Portfolio will not recognization nor assist with a resolution on this matter. 
The due diligence on my file has not been done and I am outraged that my numerous requests have not been correctly answered. I am seeking assistance from OCC to have the upcoming sale date of XXXX XXXX, XXXX to be halted and an investigation done on my account. I received a Notice of Rescission of Declaration of Default and Election to Sell from XXXX XXXX XXXX XXXX XXXX, XXXX stating that the loan is indeed questionable and wrongful foreclosure was attempted. I have tried to get Select Portfolio Servicing to assist me with this research but all attempts by mail, fax, and email have been ignored. I have every intention of keeping my home. Your assistance with this matter is greatly appreciated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Synchrony Care Credit Card I obtained at a DDS office. I was unsure what balance or credit I had available on my Synchrony card as well as my company provided XXXX card. I mentioned this to the receptionist and was told she could not provide for the XXXX card, but could get the balance available on the Synchrony Care Credit card. She proceeded to call and was given the available balance. Given that, any other card I should call about on my own behalf, would provide information only after I answer multiple pertinent questions to verify my identity. Is this legal??? I was not asked a single question and the party at Synchrony did not ask for my approval for such information to be shared with the DDS office. I called the Synchrony people to question this practice and was told, yes this is information provided to the DDS who is a vendor of services. Any dental, cosmetic service or medical provider, etc. can find out my available credit on this card with no question asked. Can this please be investigated. I will not use this card again if this is valid and/ or legal in any way! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am filing a complaint because Experian has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Experian verifying these accounts. Under section XXXX ( XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter as soon as possible. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is not my account. I never lived in XXXX XXXX or opened any accounts there. This is a fraud. I tried calling them and lines are disconnected. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have XXXX hard inquires on my credit report from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a fraud alert on my credit report now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove inquires or dispute these even if they are fraud. all these inquires are from the same company i have put a fraud alert XXXX. They told me i have to call credit plus and they have to send me a letter that gives them permission to remove the credit inquires. I called credit plus and they told me the information i provided them does not match their file.. and i said hello thats because its fraud and they refuse to assist me or give me a letter. i called transunion back and they will refuse to help me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had an account with Experian that I set up to allow me to have unlimited access to my credit report. It was working well until they increased the minimum monthly charge by approximately double. I contacted them by phone and spoke to an Experian Customer Service representative who researched my account ( by SSN and credit information ). The rep was able to confirm the months that I was charged the higher monthly service charge and when and why the price went up. I explained to the rep that it was my understanding that the rate would n't change and was told that the situation could be rectified. I was immediately credited 2 months of service charges and am still due 5 months of charges. I have since cancelled the service ( over 1 year ago ) and still have not received the refund of approximately 5 months of remaining service charges. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Calling me on my job and submitting personal information to co-workers in reference to the debt. Also, the debt collector 's attitude and style of questioning was very unprofessional. I felt I was being interrogated while working. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion is reporting XXXX on my credit report enclosed this is not mine please remove it asap. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have no authorized information that I used or allowed anyone to use to open this account the paperwork that you have is erroneous and currently i have pursued having these accounts investigated. this company swears that they have my information verified with me which they do not as I have not had any direct contact with this company about my personal information and the company has stated that they now will not have any communication with me to fix this issue but continues to report this account the the credit bureaus??? 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX/XXXX/XXXX, I closed my account with Bank of America 's XXXX credit card. After paying my final bill, I was left with a balance of - {$35.00}. I phoned BoA and was informed that I would receive the balance owed me by check. 
In XXXX, I received a new " bill '' statement with an account balance of - {$27.00}. BoA had passed through a new charge to my closed account on XXXX/XXXX/XXXX, of {$7.00}. I phoned BoA and was assured by them that the charge would be removed and I would receive a check for - {$35.00}. Instead of sending me a check for money owed, BoA continued to send me a monthly bill statements, each showing an account balance of - {$35.00}. 
That is until XXXX, when I received a bill statement from BoA indicating that my account balance had been reduced to - {$5.00}. On XXXX/XXXX/XXXX, BoA had passed through a charge on my long-closed account.. I phoned BoA for an explanation about this charge and why I still had not received the balance owed me. I was told it was an old charge. This was clearly not true. The XXXX XXXX - XXXX XXXX, XXXX statement shows a " Transaction Date '' of XXXX and " Posting Date '' of XXXX. Subsequently, I received a check for {$5.00}, dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I received another Account Balance from BoA : " You have a new e-Bill from Bank of America Credit Card - Elite Rewards. '' Given this history with BoA, which apparently has yet to completely close my account, I am worried about fraudulent use of my long-ago closed BoA XXXX account. 

How I can be made whole : 1- BoA should pay me the full balance owed of {$35.00}. 
2- BoA must completely close my account. I should receive proof in writing of that action. 
3- CFPB should consider investigating BoA for improper ( if not fraudulent ) billing practices. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i paid XXXX companies on my bb t card that took my money and rendered no service.i called my bb t card to help me with this and was told i waited to long to dispute these XXXX charges.i explained what had happened that i had not received any goods or services ever.even with these circumstances i was out of luck.i expected more from bb and t.it was XXXX different charges of XXXX and XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Two requests have been sent requesting a security freeze be placed on my credit file as I am a victim of identity theft and want to prevent any further fraudulent use of my credit information. Both requests were sent USPS Certified, which were signed received on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Included in my request a copy of my police report, identity theft affidavit along with sufficient proof of identity. 
According to Texas 's Business and Commerce Code Sec. 20.034. Upon receipt of my request, the security freeze should have been placed within 5 business days and written confirmation sent within 10 business days. I have not received any confirmation that a security freeze has been placed on my consumer credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please note that Transunion did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from Transunion, and XXXX, I never received any confirmation from XXXX on the status of the 7 year fraud alert. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called to make a payment on my credit card while driving to work.I was using the hands free option on my cell phone and kept asking to speak to a representative. I got a customer service representative who was quite rude, refused to take my payment and transferred me to the fraud department. The fraud rep ( male ) also refused to take my payment, and, despite me verifying every piece of information on the account, stated that he would have to call me back to take my payment. I told him I did not want any inbound calls from them to my cell phone as I did not know them personally and to transfer me to someone who could process my payment. He transfered me to XXXX, who told me that because I volunteered the security information on the account I was suspect and she tehn refused to take my payment. At this point they had wasted 40 minutes of my day, deeply offended me by treating me like I was a criminal for trying to pay my bill, and refused my payment. XXXX also stated that she would call me and process the payment, again, I was clear in stating that they should not call me. As I was on hold for the 3rd or 4th time during the call, I reached my destination. I then hung up so that i could call back and make my payment through the automated system, as I could key in all the information. As I was doing this, XXXX chose to call my cell phone, despite my vehement directives previously that they were not to call my cell phone. After I processed the payment, I called in to the customer service department to make a complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX I was notified by the fraud department of my XXXX XXXX card they had detected some weird activity on my account and did not think it was me, I verified it was not me making the charges, it was only {$47.00}. They immediately closed that card or account #. It is now XXXX/XXXX/XXXX and they still have not taken care of the charges they do however keep adding the late fees to my account and it 's not {$150.00} and I call them every month and get the run around saying they will take care of it and they have n't yet. But they turned me in for negative payment on my credit report, which they should not of done since this is under dispute. I have sent in my statement of Fraud twice, I am at a loss on what to do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is reporting that I have an open and unpaid judgment in XXXX County, NY court. I have previously disputed with the bureau because the judgment was vacated due to improper Process Service. They have refused to remove the public record. The judgment has been vacated and therefore should be removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I think that XXXX is unreasonable for a Saturday, considering that they were looking for a XXXX XXXX, someone who could not have had this number or address for at least 12 years. There should be some due diligence on who has had the phone number. There is on and has not been a XXXX XXXX or XXXX XXXX at this number, so why do I get calls about them 12 years after this number was assigned to me? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I, XXXX XXXX make the following dispute against a law firm that avoided legal precedent pertaining to a lawsuit I filed in federal court XXXX 2015. Even though this firm was successful obtaining an order of foreclosure on my home, the guidelines have been established for decades of federal over state law intervention. I hereby attach copies of various letters to this law firm, as well as my claim that the XXXX defaulted in the legal process answering the initial legal claim. Even though my federal claim takes precedent, this law firm continued its foreclosure action avoiding my rights under several statutes including my rights under the Fair Debt Collection Practices Act. I request a full investigation on this illegal action against my home located in XXXX, New York. I request the Consumer Financial Protection Bureau to use my case as part of its ongoing process to protect consumers against abusive collection and/or foreclosure processes. My federal claim is still in process in the Northern District of New York, XXXX As Trustee, et al. Even though I still hold possession of my property, this very same law firm has extended its fraudulent practices by submitting an order of eviction with the county sheriff 's department to force egress into my home, evict current tenants and cause other financial hardships that are not legal. My complaint to the Federal Deposit Insurance Corporation and XXXX are hereby attached for review. 
Even XXXX eventually submitted a law firm on record to defend their position giving the case validity. XXXX defaulted on answering the complaint by three months from the legal guidelines. It is the taxpayers of the United States that are eventually paying these extraordinary legal fees to defend fraud being procured against private citizens. The federal case I filed in XXXX of 2015 is still a valid claim, and all aspects of this claim and declaratory judgment must be addressed before any future foreclosure actions can persist. For that matter, the initial foreclosure actions violated my rights under the Fair Debt Collection Practices Act, and an additional lawsuit will be filed against the firm in this matter, Stein, Weiner & Roth, LLP. This abusive process, whereas law firms turn a blind eye on the rule of law can not exist in a society built on rules of law. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was told by a loan officer the amount I was approved for after checking my credit and putting me on hold ( this was done via phone ) and speaking to an underwriter. The officer then told me the amount and I verified it. The officer described to me the next steps and went over the documents I needed to submit. They told me I would need to paydown my 10 day payoff first and that the bank would only forward with the paydown under the approved amount. With this information I proceeded with paying down the amount and adjusting my budget accoring to what I had been told. The day after the loan had all of my documents submitted I was called and told the amount I was approved for had changed. I tried to escalate the matter but was told nothing would change. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I cancelled my auto policy with XXXX using the form sent to me by the current insurance company ( by fax ) three months later I received a collection letter from a collections agency I sent them documentation of my current insurance and the effective date, however, I took the first step to try and resolve the issue with XXXX XXXX and they refuse to correct the issue stating they did not receive the fax. After my fail attempt with XXXX XXXX XXXX I tried to communicate with the collection agency and they sent me a second letter demanding payment. I told them that this is double insurance and I should not have to pay but the was of no interest to them. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We obtained mortage from Bank of the West on a business property that my wife uses as her business in XXXX of 2013. We have paid as agreed, however my wife has been XXXX, and can no longer conduct her business. We have decided we need to sell the property, but the bank will of course accelerate the loan and will trigger the due on sale clause. At this stage they also want to charge me a prepayment penalty. We can not afford to sell the building and pay approx {$18000.00} in a prepayment penalty. Kind of like a Catch 22 situation. 
We would like the bank to take these other factors into account. 

WE HAVE PAID FAITHFULLY AND UP UNTIL THIS POINT I HAVE TOLD ANYONE WHO WILL LISTEN THAT I THOUGHT THE BANK WAS GREAT TO DO BUSINESS WITH. I BELIEVE I AM RESPONSIBLE FOR AT LEAST XXXX OTHER PARTIES USING THEIR SERVICES. 
I WOULD LIKE TO REMAIN ON A GOOD FOOTING WITH THEM, AS I HAVE OTHER BUSINESS WITH THEM. HOWEVER I FEEL THE ENFORCING BOTH THE DUE ON SALE AND THE PREPAYMENT PENALTY IS WRONG. 

Company response: Company chooses not to provide a public response