AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015 I applied for the US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was instantly approved. I was charged the annual fee of {$75.00} soon after. At the beginning of XXXX, US Bank announced that as of XXXX XXXX the Bonus Award Nights feature would be gone. This kind of devalued the program by a half. 

Planning for a trip to XXXX in XXXX I decided to go for another US Bank Club Carlson Premier Rewards Visa Signature Card in order to get enough points before the Bonus Award Nights benefit was discontinued. I applied for the new card on XX/XX/2015. The application was then under review. 

I called the reconsideration line the next week. The agent said my application was turned down and all of my XXXX existing US Bank credit cards were closed as well. I tried to reason with him. He gave me a number of the security department or something to call. The XXXX agent rejected my appeal as well despite the fact that I have a clean credit report and I had been a customer of US Bank for a year. The reason she gave was that I had too many newly open credit lines and they thought I am too risky of a customer. 

I can not accept arbitration like this. If they thought I am too risky as a customer, why did they approve me in the first place? How could the rejection of a new application lead to the closure of all existing cards? The fact is I had a new charge card in XXXX and XXXX new credit cards in XXXX including XXXX US Bank credit cards ( more can be said about this ). All the other banks are fine with it since I always make payments on time. 

What I try to argue is that US Bank can not take my annual fee and then remove the card benefits that were promised upon approval soon after. Besides they can not close all my cards for arbitrary reasons two months after they take my annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage that is serviced by Roundpoint Mortgage Servicing Corp. The loan was a refinance that originated in XXXX XXXX. We have been current on the mortgage ever since its inception, paying bi-weekly to reduce the overall lifetime cost of the loan. We reached 80 % loan to value ratio months ago, but Roundpoint refused to eliminate the mortgage insurance monthly premium until the loan was at least 2 years old. Currently, we are well beyond 2 years since the origination. This month XXXX XXXX XXXX XXXX, our loan principle reach 77.8 % LTV. Roundpoint 's website says that once a loan falls to 78 % LTV, the PMI ( mortgage insurance ) will automatically terminate. So, I just contacted them via phone to arrange this. Now they tell me that they will not remove the PMI until XXXX XXXX, when they " scheduled '' the loan to reach 78 % LTV. Because we have been paying bi-weekly since the loan 's inception, we reached 78 % earlier than they " scheduled '' it to occur. However, I feel this is arbitrary and nonsensical. Moreover, since XXXX facilitates my bi-weekly payments through automatic withdraw, they should have adjusted the date the loan was " scheduled '' to reach 78 % LTV accordingly. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank changed policies with out prior notification in how deposits would be handled. I contacted the financial institution and was promised up and down that I would have access to the money that was deposited. After speaking with XXXX different reps and one of those included a senior executive XXXX supervisor all the information was different and still no resolve. With the senior rep the conversation came to a point where she said that they do n't care and are not able to help or willing to help. When the conversation became heated she hung up the phone. Now I like like to point out that rather then her trying to resolve the situation and giving viable information she escalated the call and then disconnected it. I requested for a manager call back and they called but urging the time frame that I spacifically told them I would not be available. Then the manager left voicemail statement my that I could call them back and deal with the resolutions department. Not what I was looking for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sold a car under false pretences on XXXX/XXXX/16, the day I took the vehicle off the lot I noticed it was not what had been promised. I took the vehicle to the manufacturer that informed me the car appeared to be in an accident and any repairs that would be covered under warranty became null and void. I called the dealer and told them I no longer felt comfortable with the vehicle and was going to return it. I called on XXXX/XXXX/16 to put a stop payment with the financial institution and was told it would take 2 days to process. I have called continually for the past several days as to the status of the stop payment for a car that was returned on XXXX/XXXX/16. Yesterday XXXX I was informed that the payment had been cashed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America REPEATEDLY declined to put my transactions through at XXXX ( grocery store ) on XXXX/XXXX/16 and XXXX/XXXX/16 even though THE MONEY WAS THERE. It actually HIJACKED the funds so that it CAN NOT be withdrawn from the account. It 's their sophisticated, high-tech way of XXXX customers. It has happened twice involving transactions at two different XXXX locations in XXXX, TX and XXXX, TX, and it is possible that Bank of America and XXXX are COLLUDING to divert their customers ' money and illegally freeze them so that they themselves can use them and profit from them as recorded bank balances and recorded sales respectively, but the customers CAN NOT. Imagine how much money is involved if it turns out that they do this collectively on a regular, MASS-SCALE basis! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am having an ongoing issue with Experian. Someone used my personal information to obtain credit in XXXX Colorado using a fraudulent address. They were successful in opening up an account with XXXX Account number XXXX. I filed a police report and sent it to Experian and they successfully blocked the account but later unblocked the account saying that they received information from the creditor that it was reporting correctly. They disputed the account and the account was removed from the file later it appeared again. I called XXXX and spoke to XXXX at phone number XXXX and she told me the account was flagged as fraud already and that Experian was notified to remove the account yet experian has not removed the account from my file. I contacted experian today and they did not want to help me. I am stuck in the middle of a horrific situation and experian has not removed the fraudulent addresses in XXXX coloredo from my file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have US Bank XXXX personal and business credit cards. XXXX have the annual fee and it is advertized that this annual fee pays for cards benefits. XXXX of the benefits is Bonus Award Night. However they decided to remove this benefit from XXXX cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers. 
I expect the bank to refund my annual fees on XXXX card this year only because they made this change in the middle of my membership year, but I paid annual fees for the full year of membership benefits. 

Company response: Company chooses not to provide a public response
Consumer complaint: For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, XXXX, and Transunion as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A LOCAL MAN STOLE FUNDS FROM ME AND MY MOM. HE JUST PLED GUILTY - HOWEVER I AM HAVING A HARD TIME FROM THE BANK TO RETURN THE STOLEN CHECKS/ MONEY. THE CRIMINALS NAME IS XXXX XXXX - HIS SENTENCING IS XXXX/XXXX/16 

Company response: Company chooses not to provide a public response
Consumer complaint: Financial credit network is reporting false information to the credit reporting agencies. They state I opened and incurred a debt of {$100.00} ( XXXX dollars ) in XX/XX/XXXX. The last transaction made on this account was well before XX/XX/XXXX. I want all incorrect information removed from my account ; such as, the false opening date ; as this might negatively impact my credit rating. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not give permissable authorization for XXXX XXXX XXXX give my credit report information to Regional Acceptance Corporation for a application on a vehicle loan. I have governmental XXXX financingnever signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all 8 companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a personal and business checking account with US Bank back in 2013. I switched to a credit union and thought I had closed all my US Bank accounts. I had transferred last {$30.00} out of the business and put in personal since I rarely used the business. Unbeknownst to me, an automatic debit came out of the business account for {$21.00} from XXXX a month or so after I thought I closed it. I was never notified by USBank of overdraft. They proceeded to charge initial {$36.00} overdraft fee and {$25.00} overdraft on a weekly basis for 6 more weeks and then closed the account with another {$30.00} charge. This {$21.00} overdraft then turned into {$230.00}. I had not moved or changed address, phone or email, but never received notice of this overdraft and fees. Given it was closed quickly after it occurred and they wrote it off, it just sat on my record until I finally went to open a new checking account when I recently moved. I worked and banked XXXX since that overdraft occurred. I attempted to resolve with US Bank, but was advised to go to XXXX which sent me a report but now referred me here. I am not disputing the initial overdraft and perhaps the initial fee, but a few hundred dollars of fees piled on in six weeks without attempts to reach me are bit rediculous. I am not sure how to proceed at this point. I am not stuck with getting a special restricted bank account because of this item on my XXXX report which does not tell the whole story. I can not seem to get any help with US Bank to resolve since it is now written off. I would like to negotiate a lower amount to resolve it, but can not seem to get anyone to help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX on XXXX XXXX 2015. The terms of the application offer were XXXX miles after first use, XXXX miles after {$12000.00} spend in the first six months. I received approval notice and the card on XXXX XXXX and activated it at the point. Since that point I received the six month statements, the first in XXXX covering the range of XXXX XXXX - XXXX XXXX and the last covering the range of Novermber XXXX - XXXX XXXX. My six month statement totals is {$12000.00} ( excluding the annual fee that posted on XXXX XXXX when the card was activated ) which covers the 6 month period between physically receiving the card and the 6th month statement close ( XXXX XXXX - XXXX XXXX ). It is very clear I met the requirements. 

XXXX XXXX while doing my taxes I realized that the XXXX bonus points had not posted. I followed up with Bank of America and they said that technically I missed the date because the clock starts after " opening the account '', which appears to be XXXX XXXX but this was never communicated to me as I had no card to physically use thus the 6 month advertisement was a deceptive marketing scheme. The Bank of America agreed this is confusing and confirmed the bonus points would post because of the honest misunderstanding. 

XXXX XXXX I received a letter from Bank of America stating I would not receive the additional bonus miles, disregarding the deceptive nature of the offer and what I was told by Bank of America personnel regarding resolving the issue by issuing the bonus points. I followed up again with Bank of America and this time the representative said they would submit a claim to have it resolved. 

XXXX XXXX I received the same boilerplate letter saying I did not meet the terms and would not receive the bonus miles. Bank of America has provided me with no alternative for recourse outside of filing complaints with local agencies to make me whole due to their misleading advertisement practices and bait and switch tactics regarding resolving the problem. 
I have documentation of the offer and my statements to prove I meet the 6 month spend requirement and I am looking for Bank of America to honor their agreements. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am seeking the help of this agency and would like to file a complaint against Ditech Financial LLC, mailing address is XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. This institution currently holds a Mortgage loan on my current residence. I have been a client of theirs for over one year, as a result of the mergers of the original company i signed my mortgage contract with. As background, I have never been late or missed a mortgage payment with either the prior mortgage company or with Ditech. I have paid exactly the amount Ditech sent to me every month per their billing statement. XX/XX/XXXX, they are demanding I pay an additional {$3500.00}. When I questioned the reason there was no explanation provided to me. There has been no increase in my real estate taxes as confirmed by my county and no increase in my home owners insurance. Both resources confirmed for me this fact. When notified by Ditech of the increase, I sent them a request asking for an explanation and I have not received a response. I have called them on multiple times, indicating that I will now pay my homeowners and taxes separately and that I will now only pay them principle and interest charges for the loan. As a result I prepaid my real estate taxes through XXXX XXXX, XXXX and sent Ditech a receipt showing the tax is now paid. I have also for the last three months paid my principle and interest payments on time. I have receipts of all transactions. 
My rationale for paying my taxes and homeowners separately at this point is that Ditech has not demonstrated to me the competancy of computing and paying my taxes on my behalf. I do not understand their computation and they refused to respond to my questions. The only response I did receive is " Your mortgage payment is now 60 days past due and your account may be referred too for foreclosure. Ditech financial LLC has tried to contact you previously to make you aware of the foreclosure prevention options that may be available to you. In case you are unable to bring your payments current ''. 
I completely disagree with their statement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do n't know the legal definition of predatory loans but I believe that this is the situation that I have. When first got our loan the payment was really high but we under the impression from the people we were dealing with that we would be able to reduce those payments after making on time payments for a certain amount of time. We did that but we were not able to refinance and the payments became too much. Later we were given and adjustment which was still too high. I have made several attempt over the past XXXX to try to get an affordable mortgage while at the same time having to file bankruptcy because that was the only way I could save our home while we were going through the motions. However each time I tried to modify the loan from XXXX to XXXX XXXX XXXX and now with specialized loan services nothing is ever done. Either I 'm constantly being told that they are not receiving my paperwork and there is no one XXXX that I can talk to or deliver the paperwork to in person or just completely ignoring my efforts. I have tried working with " making home affordable '' and nothing came of that. I filed a modification through XXXX at the beginning of XXXX, the lender asked for some additional information which I sent to XXXX and they updated it to my file and I have n't heard any more from them until XXXX when they started the foreclosure process again. ( Despite the XXXX page saying they are supposed XXXX reply within two week ) I am in the process of completing a XXXX modification request through XXXX but if no one is going to hold the lenders accountable and they can constantly deny your paperwork or drag the process out so long that your forced to give up your property just to end the nightmare of never feeling sure or safe and constant worry for years now. And now we are once again facing foreclosure and eviction All I want is an affordable fixed rate mortgage payment so that we can get on with our lives. My mother is XXXX XXXX XXXX now and she should n't have to eviction hanging over her head at this point in her life. 
I do n't know if this loan should have ever been made to us from the beginning but had never purchased a home before but I know that had we known the payments would go up instead of down we would not have agreed to the terms but this was how I was told that people were able to afford the houses at that time. We have been here since XXXX and it 's our home now and we just want to be able to pay our bills & mortgage and be able to sleep at night. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I hired a company to get me a loan modification and they scammed me. I was told not to make payments and now I 'm $ XXXX behind. ( I filed complaint on them too ). I had to file bankruptcy to keep my house. It is very difficult money wise. I have XXXX to care for. I asked the loan company ( Ditech ) to put the arrearage to the back of the loan so I could save {$600.00} a month or so. They are giving me the run around. Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there. 

They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me. 

They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage with XXXX was transferred to Freedom Mortgage in XXXX 2015. I made my XXXX Mortgage payment to XXXX and Freedom Mortgage will not recognize the payment even though I have provided proof and have called them every month ( they say they are investigating ) meanwhile they show me as 30 days late every month. I got the notice of transfer to Freedom after the XXXX payment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They call, usually robot calls leaving a message that a payment for their reference number is required at their website, www.fsapay.com, before they start litigation. There is no information for whom they are collecting or why. They call 5-7 times a day. There is no return telephone number. There is a disclaimer at the end that if you 're not the intended recipient, to hang up and delete the message. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services 

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