AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am disputing the total amount outstanding on a home equity loan written by XXXX and serviced by Specialized Loan Servicing ( SLS ). I have been trying unsuccessfully to get a transactions history on this account and a copy of the original note for more than two weeks now. My understanding is that XXXX still holds the home equity loan ( I receive my tax documents from XXXX ) but that SLS handles payment, customer service and account inquiries for XXXX. I called XXXX regarding the account history and original loan documentation, I was informed that they could not help me and I would have to contact SLS. When I contacted SLS more than XXXX weeks ago, the representative I spoke with said that she placed an order for the account history and original note paperwork, and I could expect to receive it via USPS within a week. When I called SLS back today to inquire as to the status of the history and the copy of the note, I was informed by a different representative that the initial request made two weeks ago was " invalid '' and nothing had been ordered. When I asked why I was not notified, she indicated that it was not their policy to advise customers of invalid orders, she was sorry for the delay, but there was nothing she could do except try and submit the request again, which could take an additional two weeks for processing and delivery. I explained to her that the loan was coming due in 45 days and I needed this history, along with a copy of the original note from 10 years ago, as soon as possible because I was disputing the amount outstanding. She reviewed my account, and provided a verbal history of the account : when the home equity loan was originated, the initial draw amount, the interest rate, etc. The original draw amount and interest rate did not align with my recollection, and I indicated this to her. She responded by saying that she was " not in the business of falsifying documents '' ( I never suggested that she falsified any documents - I simply requested information about the account ) and my recollection must be incorrect and my records were incomplete, otherwise I would not be requesting a copy of the note and the history in the first place. 
I do not dispute that there is a balance on this home equity account. I do, however, dispute the total amount outstanding, the adjustable rate ( my recollection is that the original note was for a fixed rate ), and the fact that SLS is characterizing the loan as a HELOC - my original understanding was that this was NOT a line of credit, and I would like to see all transactions ( payments and draws against the line of credit ) to verify the amount outstanding to pay off and close this account. I am simply asking for information about my account, and SLS is making it extremely difficult to obtain this information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX i filed a complaint/dispute with Experian in reference to a state tax lien that is being reported on my credit file. The lien has been deleted from the other XXXX credit bureaus as coming back as unverified from the state. Experian stated in their response to the XXXX/XXXX/16 dispute that you would respond by 30 days. 
you never supplied me with a response on the CFPB portal where the complaint was initially filed, but you stated in the initial response on ( XXXX/XXXX/16 ) * At your request to begin an investigation, we are in the process of contacting the public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. * A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! thats how you choose to keep reporting but no other bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifiying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me. especially when they do not and can not supply any proof or documentation that indeed this debt is mine 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My loan was placed with an attorney for collections and the attorney sends all correspondence to my place of employment. I was told today from my employer that this has to stop. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, Chase XXXX XXXX XXXX, to mediate the dispute. After contacting both sides, Chase issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the Chase XXXX decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after Chase XXXX resolved the mediation in my favor. XXXX referred this debt to a collection agency, Chase Receivables. Chase Receivables continues to come after me for this debt, despite the fact that I have explained in writing why this debt is invalid. Furthermore, this alleged debt continues to be a black mark on my otherwise good credit report. 

I have contacted the XXXX Reporting Agency, XXXX, but they refused to remove the offending item from my credit report without offering any explanation. 

I am contacting the CFPB for their assistance in mediating this issue with Chase Receivables and to help remove this black mark from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Had numerous problems over two yrs. over last two months I have called Bank of America over 15 times went to voice mail. I received one call in that time. Over one month ago I requested loan mod application. Never received now as of XXXX I have foreclosure papers on my home 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX its in collections when i paid off the phone i was not under no contract but there charging me on that back in 2012. XXXX its also in collections i paid them for 12 months after that in XX/XX/XXXX i cancelled it after the 13 month.there both in collections i try speaking to them when they call all they do is harass me saying they need there money! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. 
I kindly appreciate for any help in this matter. 
I am also filing a small claim in court. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collection is reporting same debt info to collection agents again and again. I paid complete amount and removed from the report last year but again they reported on XXXX 2015. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My mortgage company took possession of my house while I was out of town. They sent a company to change the locks and winterize the house. I am behind in payments but not in foreclosure. They provided no notice to me either before or after the locks were changed. 

This is just the latest in a long string of what I would call bad behaviors by the first mortgage company, which began in XXXX 2015 when I asked for a loan modification. The representative told me I would not qualify " because I did not have 2 years of tax returns showing my self employment income '' I knew in XX/XX/XXXX that both mortgage payments would significantly increase in XX/XX/XXXX/XX/XX/XXXX. 

I worked with the XXXX mortgage company in XX/XX/XXXX and received a conditional approval for a short sale. 

I listed the home for sale in XX/XX/XXXX. I presented the first short-sale offer in XX/XX/XXXX and was denied in XX/XX/XXXX. I was again denied in XX/XX/XXXX for a short-sale after a second short-sale offer. I was further denied in XX/XX/XXXX for a deed-in-lieu request. The representative told me to " wait 30 days and re-apply. '' I was getting ready to re-apply when I was locked out of the house. 

What do I do next? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried unsuccessfully on multiple occasions to discuss a payment plan with Kramer & Frank, PC, ( KF ) however they refuse to even discuss my case with me. How is it possible that a company that refuses to speak with you regarding making a payment plan can now garnish your wages? During my many failed attempts at a discussion with KF, I have graduated from XXXX, almost died from a serious illness, gotten into a very competitive graduate program, and most recently lost my job. My XXXX professor at XXXX University in XXXX XXXX informed me that he successfully sued KF due to there shady business practices. My relative had a payment plan with them some years ago and they continued to collect money after the debt was fulfilled. After reviewing, the original debt and calculating the payments my relative realized that the debt was paid-in-full months earlier. Prompted by this realization went to KF office and spoke to someone who confessed that yes the debt had been paid-in-full months earlier and was given paperwork to that effect. I have also had a previous debt years ago administered through KF and they would always " lose '' my money orders or " credit '' my payments towards someone else 's account. This caused me constant frustration and hours on the phone with them. I believe I spoke to a lady named " XXXX '' back then. It was due to these continued issues that promoted me to seek the advice of my Professor. My Professor 's advice was to always send things to them United Stated Postal Service Certified Mail with Return Receipt as it is admissible in court. This is one of the largest debt collection agencies in the United States. They have a very bad reputation within the XXXX community. I remember seeing them in court speaking very disrespectfully to XXXX including myself. It would not surprise me if KF is on XXXX Attorney General XXXX XXXX list of debt collection agency being investigated due to their dealings with the XXXX community ( please see links to articles ), XXXX and XXXX. Simple XXXX searches of KF will reveal multiple complaints that people have placed online many of which are regarding communication issues : XXXX and XXXX. According to an XXXX XXXX, 2011 article in The XXXX XXXX, XXXX, the same company KF is garnishing my wages for " XXXX XXXX , XXXX '' has been the subject of a class-action lawsuit in XXXX, `` ... XXXX is under fire in XXXX and XXXX, where the attorneys general have filed legal actions alleging that the company illegally mass-produced legal documents that defrauded debtors and hijacked the court system into serving as a collection agency. XXXX is also the subject of an ongoing class-action suit in XXXX, where a proposed settlement has drawn opposition from the Federal Trade Commission and attorneys general of XXXX states, including XXXX, for giving too little to consumers ... Of XXXX 's XXXX XXXX County lawsuits, XXXX were filed by a single attorney, XXXX XXXX of the law firm Kramer and Frank, which is based in XXXX XXXX and has an office in XXXX, XXXX. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had my old apartment stripped and robbed top to bottom along with the XXXX equipment and instead of inquiring with the police department like they were supposed to they sent the debt onto a collections agency charging me personally for the stolen equipment. 

I notified XXXX of this and they did n't care that someone had been charged and sentenced in the theft of their property they just want to blame me while blindfolded and ear-plugged to all reality. 

I think they just do n't care about their customers at all and its just quicker/easier to condemn the first name they see on their screens rather than investigating or contacting the customer. I never received any communications from XXXX alerting me to their internal decisions or reasoning. And without notification they ruined my credit by placing a collections for XXXX dollars. 

I will never be able to pay this amount nor should I legally be held liable for stolen property that a criminal has been charged and held responsible for by a court of law. If the government is unable to persuade you into doing what is right then I will find justice with my lawyers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Was offered XXXX points for the Citi XXXX Card after spending {$0.00} within three months. Called multiple times and was told the points would be added to my account. Talked with numerous managers that confirmed I would see the points. It has been over three months and I 've seen nothing. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My mortgage servicer, Seneca Mortgage Servicing ( Seneca ), maintains an escrow account to pay certain expenses on my behalf, including property taxes. My county property taxes are due in XXXX installments, the first of which is due on XXXX XXXX of this year. I have emailed and called Seneca repeatedly to ensure they know the correct amount of taxes to pay, that there will be a 5 % fee for late payments, and that they will pay the taxes on time. I have asked whether, alternatively, I should pay the first installment and seek reimbursement from the escrow account. They have only responded once to my multiple emails, and the response was entirely unhelpful ( it just told me to mail my tax information to a XXXX XXXX in California, even though Seneca had already acknowledged receipt from me of updated tax information ). When I try calling on the weekends, Seneca informs me it 's closed. When I try calling on weekdays, I am disconnected by a " courtesy hangup. '' I just want to pay my property taxes, but it seems impossible to get Seneca to communicate with me. Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX I attempted to purchase {$170.00} worth of materials from XXXX in XXXX, TN using my business check issued by the XXXX XXXX XXXX XXXX XXXX. The check was declined by Certegy Check Services. I called Certegy Check Services from XXXX and was asked if I wanted to be placed on their VIP List. The Certegy rep said this may or may not allow the check to be accepted. I said yes. He said wait 10 minutes and try to run the check through again. I did twice ; the check was declined XXXX times. I requested a copy of the declination from Certegy Check Services. It indicates that Certegy already approved XXXX previous checks from my business checking account totaling {$600.00}. Yet Certegy declined my check for {$170.00}. They only stated that my check " matched a high-risk pattern, our automated system provided a less than favorable recommendation. '' The XXXX XXXX XXXX XXXX XXXX is a valid institution. My business is licensed by the State of Tennessee. There were ample funds in my business checking account to cover the amount of purchase from XXXX ( {$170.00} ). Even Certegy 's records indicated that they had previously approved XXXX checks from my business totaling {$600.00}. How can another check from my business be considered high risk by Certegy 's automated system? 
Bottom line. Certegy Check Services has apparently not straightened out their act as a result of the XX/XX/XXXX FTC lawsuit file against Certegy Check Services. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I found that Citi / AAdvantage Platinum Select Card charged me an additional {$0.00} on almost all of my credit card charges in 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a balance transfer of {$3000.00} from Citi card to XXXX on XXXX XXXX 2016. 
Today is XXXX XXXX 2016 and the {$3000.00} still show in both accounts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed the statement I put on my credit report that I have asked for this statement to be removed & Experian is telling they Will Not Remove my statement I put up Im demanding that the Whole Statement to be removed ASAP!! 
This is my right its my credit I can delete it I WANT MY CONSUMER STATEMENT REMOVED ASAP WHAT RIGHT DO THEY HAVE TO TELL ME I CANT REMOVE A STATEMENT I PUT UP. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Their is a property foreclosure sale set for my home XX/XX/XXXX. The state of Tennessee requires a 30 day notice be given prior to a property foreclosure sale being set, the letter is dated XX/XX/XXXX and the sale is XX/XX/XXXX. I have resubmitted a modification request and financials. I do want to keep my house. I need your help to assist me in getting my mortgage modified. i want to keep my home. Thank You 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been charged excessive charges on my account!! 
Called and complained and lady said would check into in, came back and said that there was nothing she could do & hung up. 
Called sever more time & got the same results. 
They are ripping people off, especially senior citizens!! 
Dont bank with these people ever!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing on the advice of XXXX XXXX, XXXX State Attorney General. I was contacted by XXXX XXXX XXXX.. XX/XX/XXXX. They collected money on my credit card for magazines for 3-4 months. They called me as well as me calling them to cancel the subscriptions but said it was too late. I canceled my credit card so they could not withdraw anymore money. Now XX/XX/XXXX I have received a total of XXXX letters from Interstate Recovery Services at XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX stating that they are trying to recover XXXX debts for the amounts of {$39.00} and {$590.00}. I also paid Subscribers Services a total of {$320.00} for a one year subscription fro XXXX magazines. I do n't know if these XXXX businesses are related. 
I have sent my documents to XXXX XXXX and forgot to keep copies for me. She should have them in my file. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have default judgment against me that was filed by the law firm of Hanna and Associates. I never received any documents to verify/deny the debt was owed. The debt they are claiming has over {$3000.00} in interest. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made an ACH debit card purchase with my XXXX Debit card which is directly tied to my Bank of America checking account. Of that original purchase of approx {$300.00}, I returned a jacket valued at approx {$70.00}. I waited several weeks for the refund of {$70.00} to post back into my checking account at Bank of America. I contacted XXXX and they insisted they posted the return. I submitted a claim to Bank of America for the refund amount of {$70.00} due to returning a jacket. After their 30 days of research and me faxing in receipts etc they denied the claim. I called back and again explained that I only returned XXXX item of {$70.00} out of the original purchase of approx {$300.00}. They have escalated the claim and assure me I will receive my refund. On XXXX XXXX I again used my ACH XXXX debit card tied to my Bank of America account for an original purchase of {$120.00}. I then returned approximately {$22.00} of that original purchase. Again the refund of my returned item did not go back into my checking account so I have filed yet another claim with Bank of America to try and get my rightful money refunded. My concern is that this keeps reoccurring and I can not be the only XXXX debit and Bank of America debit card holder this is happening to. If consumers do n't reconcile their purchase and return receipts, Bank of America is just stealing this money and not returning it to its rightful consumers. This could be a huge class action lawsuit and this process need to to highlighted and stopped! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been battling with statements/phone calls to the XXXX credit bureaus for the past four years. I was in a XXXX marriage four years ago and have since never been late on anything, I have been told several items were deletedI have been battling with the XXXX credit Bureaus for the last three years, I have been on several phone calls and provided statements. There is several discrepancies on my credit report. From items that were supposed to be deleted to several ( XXXX ) recent inquires that were not approved thru me. I also still see rental property ( XXXX on my credit reports that were supposed to be deleted due to being in a very abusive relationship and I was in fear for my safety. My ex husband had all my personal information and manipulated several of my finances, I managed to start fresh and gain new credit and have maintained it very well, the problem I am facing now is that last XXXX I was applying for a vehicle at XXXX XXXX XXXX and asked that they only attempt once thru them, because I new how hard several inquires would be on my credit.. I was not real worried about not qualifying for I new my daughter would sign for the vehicle. I am now looking at my inquires and since XXXX 2014 I should have XXXX hard inquires which is XXXX XXXX XXXX XXXX XXXX XXXX I have heard that my ex spouse stated he will continue to make sure my credit does not succeed. I am please asking for a review of my Credit reports I do not know where else to do. It would be greatly appreciated if you could please guide me in the right direction. I recently this month paid down on a few of my credit cards to change my credit card utilization score, this is my first time trying it this way, I am really hoping to see results after three long YEARS. 

Company response: Company chooses not to provide a public response