AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is SPS Inc.. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked SPS for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the first and second add a late fee each month. The value of my single family home is {$370000.00} and I have a XXXX balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for the City of XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. SPS has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have repeatedly advised Trans Union that the following requests for my credit were not authorized. They refused to remove the fraudulent inquiries and they continue handing out my credit report without proper authorization. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 Furthermore, I do not have a XXXX loan. The went through some kind of acquisition and/or company split and they are reporting an account late incorrectly. My account was paid off years ago and was never late. It was constantly in an in school deferment. Transunion refuses to fix the error. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: browser crashed when I first entered my info and was trying to view Experian report. I came back in and got my other XXXX reports, but experian would n't let me in and directed me to a form to submit proof of ID, I did that but my first ID copy photo was XXXX, which said it was n't allowed. Then I did a TIF as it instructed but then that was rejected because it was n't black and white. Then I submitted black and white and it said I exceeded my number of tries and must submit by mail. That 's a bunch of XXXX, considering none of those image requirements or number of attempts was NOT posted. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: " XXXX '' communications shared my personal information to a collection agency named " Eastern Account Systems '' to collect on a past due debt that was n't even mine. The only thing this other person had in common with me was my last name! This seemed to be a " Phishing '' attempt to pay a " past due '' bill. And that " XXXX '' released my information without my consent or for " Just Cause '' .I believe that both companies involved behaved in an unprofessional manner. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Changed terms in XXXX membership rewards shortly after opening of credit card and paying {$75.00} annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: We made extra payments on our mortgage loan to First Key, based in New Jersey ( we pre-paid for 6 months, plus paid extra principle ). We followed their instructions to make sure they were applied to future payments. Despite repeated calls ( and we have the names of people we spoke to ), and emails following their instructions over the last 6 months, we have not received a single correct and updated statement and now have received a " Delinquent Notice ''. We have proof of payments. Now they are applying " late charges '' and threatening us with a home inspection that we would have to pay for. We are being harassed at this point. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I purchased from a merchant online. The transaction went through XXXX, was entirely in XXXX $ and was charged in dollars to my credit card by XXXX. The credit card company charged me a foreign transaction fee because the merchant was XXXX XXXX based. There was no way for me to know - or warning - that this was liable to a foreign transaction fee. Using the merchants XXXX site, paying in dollars, and through my XXXX XXXX account makes this deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX hard inquires still on my credit reports all from XXXX, XXXX/XXXX/XXXX. These are almost 2 years old. Also from same company on XXXX/XXXX/XXXX, and again on XX/XX/XXXX.Reports to all XXXX credit bureaus 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For several months I have received 2-4 calls per week!, requesting me to apply for a credit card, usually ending with " This is last and final notice. '' But it is n't 'last ' or 'final ' because they continue to plague me. The company is Carnival Credit Card Services, which from the internet, indicates Barclay Bank. I have never requested nor am I interested in their credit cards. How can I insist they stop calling my phone number. I work at home, and it 's a great inconvenience to get up from my desk and answer this call. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have opted out permanently on the FTC site from credit card offers, however I have just received one in the mail. I was hoping either you could help me or you could point me in the direction of who could, in terms of filing a complaint, getting this issuer to stop sending me offers ( they include no opt-out number in the offer ) and finding out how they were able to send me this offer when I 'm opted out. 
Any help you could offer me would be greatly appreciated. 
Thanks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Re : Citi Prepaid I had switched cell phone carriers from XXXX XXXX XXXX to XXXX with one of their promotions of being awarded a {$350.00} pre-paid card upon switching and maintaining an account with XXXX. As of today 's date my account has remained with XXXX, and I have not received the said prepaid reward card. 
After speaking with a representative from a local XXXX store, they provided a number to call to inquire about the missing card, which led to another phone number to a representative from Citi-Prepaid. After completing the identity verification questions the representative confirmed that I had met the conditions to receive the prepaid Visa card, and that a Visa prepaid card in the amount of {$350.00} was issued XXXX XXXX, expired XXXX XXXX and that the card was never activated or used. I advised the representative that I did not activate the card due to I had not received the card that was sent. I asked if a new card could be issued and I was advised that due to the card being expired, he is unable to reissue a new card. 

Company response: Company chooses not to provide a public response
Consumer complaint: My brothers divorce case ( XXXX XXXX ) showed up on my credit report and I disputed it and told them about it on the phone and they said they would delete it and they just sent me an email that there decision was it is still going to remain on my credit report. I just want it off my credit report. It 's showing up on my experian and XXXX reports and need it off before I can close on a house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a 30-year fixed loan with MLD Mortgage Inc since XXXX 2015 with XXXX % down for a single-family house. A few months ago I was calling and emailing their customer service to get quote in order to remove my PMI. First they said I can not remove my PMI for my loan with them is less than XXXX years. I read some online forums and knew that as long as I can make LTV as XXXX %, my PMI should be automatically removed. I gave them my second call, and presented the info I read online, they told me that I should be able to do so as long as LTV is XXXX %, but to get an quote I need to put it in a formal request by using their online form and email it, which I did. Two weeks later, I got a letter saying that PMI can be removed only if it is XXXX-XXXX family residence or for commercial use and LTV reached XXXX % ; and to remove PMI on single-family house, my loan has to be with them for two years and LTV has to be XXXX %. I was very upset by the letter and called them again. They said I can remove PMI as long as LTV is XXXX %. So I made some payments recently to make my PMI reached XXXX % now.I noticed today as I checked my statement online I am still charged for PMI. I just called them, and could n't believe they brought up the same trick about have-to-be at least two years having loan with them in order to remove PMI. I just told them I am done with them and will refinance using other companies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Basically my credit cards have been paid to XXXX dollars for the past month and they have yet to update on my credit report. This was done purposefully and they never update the balaces correctly on credit cards or my other accounts. These accounts are off by hundreds of dollars. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX updated remarks on all credit bureaus including TransUnion. This report was not updated as it states " settled - less than full balance : closed '' XXXX sent letters to TransUnion. XXXX updated this matter XXXX XXXX, 2016. 

This needs to be updated accordingly. 

thank you, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I initially disputed an account, which came back as verified. I believe that the investigation is questionable. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The week of XX/XX/XXXX I purchased a TV from XXXX, A recently dissolved business. Immediately after purchase in XX/XX/XXXX, I contacted Synchrony Bank and XXXX XXXX, but mostly Synchrony bank re an extension of a promotion to extend payment period of NO interest charged from 6 months to 12 months. There is a recording on file and a date and a customer service agent attached to this extension. Synchrony bank refuses to honor this agreement and have sent to Synchrony management allthe documents given to me by the Insolvency agents that state that Synchrony is resposible for this issue. They also state that the store, XXXX XXXX, owes me a store credit. 
I 'm tired of asking Synchrony to fix this issue.They may tell me how much acrued charges are to attach to the estate XXXX. but they refuse to ackowledge anything. They keep asking me to contact a business that has been dissolved and the issue at hand, is the extension issued by during the recorded call they refuse to investigate. The date of this call is the date Synchrony began to collect {$110.00} dollars a month instead of the minimum. All of this done with calculation to conclude succesful payment with no interest before the due date XX/XX/XXXX. Please help me because if there were a court to take this bank to and subpoena the recordings of customer service, I would do it. Ihave submitted all emails relating to the discussion with a lawyer from XXXX XXXX estate insolvency group to Synchrony Bank. Please ask the Bank for this as this makes my argument real clear. I have in my records of e mails this also.However I am unable to upload it here. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: White man came to my property at XXXX XXXX XXXX XXXX at XXXX XXXX walked up the driveway took pictures of my ( the ) vehicles ( license plates ) in the driveway, walks to the door, and places a envelope ( attached ) to the front door screen. All this is taking place as my folks that reside at XXXX XXXX ' XXXX XXXX year old son is observing on surveillance video while watching TV. He asks the white man what he 's doing as he walking away from the front door down the driveway again, taking pictures of the front door, and car license plate in the driveway. Gets to the end of the driveway and answers the kid by hollering out " XXXX MOVE '' ... The kid takes the envelope from the front door, and gives it to his mother who gives it to me. The statement in the envelope says : Urgent Notice : Please contact your mortgage servicer immediately at : XXXX Thank You " XXXX MOVE '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a mortgage with INVESTORS BANK, for my brownstone at XXXX XXXX XXXX XXXX XXXX NY XXXX. I paid in advance {$12000.00} XXXX XXXX XXXX dollars ) for the appraisal, appraisal review, environmental report and engineer report. I have been asking for months that my appraisal is sent to me, the bank refuses and states that is the bank 's property and will only be released only at closing. By law I am entitled to a copy of my appraisal. On the term sheet -that I signed- does not say that it will be released only at closing. I called the broker XXXX XXXX from XXXX XXXX XXXX and directly the bank. My attorney XXXX XXXX XXXX XXXX. has spoken with XXXX and they still refuse to give it to me. They state that I have to send a letter of cancellation and refusal of the commitment in order to get it. This is unlawful. What can I do to get my appraisal? I am a XXXX XXXX, a widow, and have several times refinance my brownstone that I have owned for close to 40 ( forty ) years. Please help!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX phone XXXX XXXX XXXX email : XXXXXXXXXXXX Many thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion continues to report obviously incorrect information for the XXXX account on my credit report. It shows a 90 day late payment for XX/XX/XXXX. It is not possible to be 90 days late in a 30 day period. Moreover, if payment was 90 days overdue for the 30 day period of XX/XX/XXXX ( which defies basic logic ) why does the report show on time payments for the following adjacent months : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX ; and XX/XX/XXXX? Transunion has an obligation not only to verify information reported from a creditor, it is also obliged to report information accurately, which it has clearly failed to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. Ditech Financial LLC is reporting to them the wrong activity date. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: According to the ECOA ( Equal Credit Opportunity Act ), I am a victim discrimination from ALLY. This company has been brought upon charges for illegal business practices and discrimination against minorities by " marking up '' or providing perspective clients higher than normal interest rates on vehicles. Although, my claim was submitted, I am still incurring high interest rates from ALLY. I also want to file a civil complaint against ALLY for this type of discrimination and I wish to file a complaint against XXXX XXXX XXXX, CA, who is the car dealership, that sought out the loan from ALLY. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian states they have verified information that is incorrect. I have called them and am told that all they do is electronically send messages to the creditors who pay to put the negative information on their site and they check yes or no for the verification. This is not validating a debt or address, etc.! There are items that the other bureaus removed that Experian refused to remove! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I got a protection agreement by XXXX with Experian Services Company last year because of a fraud and steeling information from the first party. Of course, I did not get any feedback from Experiance, even a freer report or Credit Score report till now Beside that, I start to receive many Credit Cards Offers which I do not apply for, Like ; XXXX. 
Will they only take fees through extra Sales Tax from XXXX which we are pay too and not sending Us or free reports annually to protect us? 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender is contacting my boyfriends mother, who I do not even have a phone number for, to collect my debt. She is no relation to me, mere aquaintance and was never given out information about her for me including her phone number. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received a collection letter from PennCredit in XXXX XXXX regarding a delinquent utility bill from " XXXX XXXX XXXX or XXXX '' for {$240.00}. In addition, I received approx. 5 calls per day, every day ( even weekends ) regarding this debt. I responded back with a certified letter disputing the debt due to identity theft, and did not hear anything back until today ( XXXX XXXX XXXX ) when I received several calls related to this debt. It would appear that PennCredit chose to ignore the dispute of the debt and is still attempting to collect on it, despite violating FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently purchased my first house ( late XXXX XXXX ), and within the first 2 weeks my mortgage was transferred from Freedom Mortgage to XXXX and I received a welcome letter from XXXX. Then within the next week or so I received a bill from Freedom Mortgage and did not receive anything from XXXX. 

So I paid Freedom Mortgage on XXXX XXXX, with the understanding that they would transfer the money to XXXX accordingly. 

Around XXXX XXXX I receive a call from XXXX XXXX XXXX saying that I have not paid my mortgage. This has led to numerous calls to both banks ( at times XXXX way calls between myself Freedom Mortgage and XXXX XXXX XXXX ). 

As of today XXXX claims they took over my mortgage and I have not paid them for the XXXX bill and owe them the money for XXXX and will have to pay them XXXX XXXX and Freedom Mortgage is claiming that XXXX XXXX XXXX did not take over my mortgage and will not release my payment for XXXX and I have to pay them on XXXX XXXX. 

I originally got a date of XXXX XXXX from Freedom Mortgage saying this would be resolved, and when I did n't receive a phone call from them on that date I called them to find out that they have moved the completion date of my request to XXXX XXXX. Which I explained would force the situation that, come XXXX XXXX I will have XXXX banks telling me that they own my loan and I owe each of them the payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: The balance on my XXXX XXXX XXXX account was settled and should now be at a XXXX balance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response