AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a storage acount and I called to make arrangements to close the account. There was to be an auction of my stuff and then a final bill sent to me. However I did not receive a final bill, instead I received a bill from a collection agency asking for the money in 30 days. In addition to the amount I owed they wanted {$170.00} collection fee. Talked to the storage company and we settled on paying only the orginal amount. Now it 's paid in full. However I go to check my credit score and now they reported it AFTER its been paid and the amount they reported is the amount they tried to extort from me. Now my score went down. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We contacted a financial advisor at XXXX XXXX who said we qualified for HARP. Our bank, CitiMortgage, said we did n't but could apply for a loan modification which should take 21 days. Our loan has a fixed rate of 4.125 % and we are not behind on payments but both of us are now on XXXX - financial hardship. Even though we gave immediate responses to every document request it took over 4 months for our bank to offer to assist us by lowering our loan by only .125 % to 4 % - but also extending the 20 remaining years to 40 years and adding an escrow account and extra fees. We 'd asked them that very question and were told " we 'd be offered options we could accept or refuse '' so we persisted through those 4 months. Even without doing the math, the interest for 40 years vs 20 would be outrageous, not even counting the extra fees they require. We feel our rights have been violated, that the whole thing was a scam to try to take more money from us when we need relief. Is there grounds to check into a legal case against CitiMortgage? We do not want CitiMortgage to be contacted unless our rights have been violated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company has reported information on our credit report. It needs to be corrected. This is a letter sent to them. 

XXXX XXXX, 2016 XXXX/Executive Services Legal Department XXXX XXXX XXXX XXXX : Per our conversation of today, I am faxing this complaint. 
In XXXX we applied for a Modification. We have not been late with you and have continued to pay our payments through the trial period on time. We have an {$8000.00} Line of Credit. We are quite disturbed to find out the XXXX has posted a 30 day and 60 day late on our Credit Report ( see attached ). We were never notified of this practice and were not informed " if '' we proceeded with the Modification that this would happen! This is against the law and we want this removed and corrected IMMEDIATELY! 
I am attaching the copies of our payments for the last three months, Trial payments as well as a copy of our Credit Report item in this complaint. 
Please contact us immediately upon receipt of this notification. 
Sincerely, 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have XXXX accounts that are serviced by Synchrony Bank ( formerly GE Credit ). They are Old Navy, Amazon, and Lowes. Last month I received XXXX separate letters from Synchrony indicating that " sometimes we check the credit of our customers '' and then proceeded to lower my available credit on each card. XXXX weeks after they lowered the credit on the third card I receive a document from Synchrony indicating their " Privacy Policy. '' In the document they tell me that I can limit their sharing of my information about my creditworthiness. The problem is they already shared my information because they handle all three accounts. Is that not deceptive or illegal? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My prepaid visa debit card was suspended. I was told I needed to fax them XXXX current id 's which I did. Now they say they need proof of address because I use a po box . I am a motorhome salesman and do n't have a home address. I stay at different campgrounds. They wo n't send my funds to my po box and close my account. It seems they just want to keep my money and keep my card inactive even though the balance shows over XXXX dollars. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America has had my husband 's and my SSN wrong in their system for the past three years, and refuse to consult my original loan documents to correct it. My credit has been impacted along with my sanity. For the past three years, they have mailed us letters in XX/XX/XXXX advising that our Tax Identification Numbers are incorrect, and request that we complete a XXXX form. I 've already done this, and I 'm not comfortable sending this sensitive information via snail mail AGAIN. I 've contacted their CS phone number to discuss this issue, but was only told that my issue was being referred to " the back office '' and advised that I would receive something via mail in 7-10 days. Then, I also tried writing to them via their website, but was merely told to call CS again. The correct SSNs are contained in my original loan closing documents, which BoA has, so I expect them to consult their records and update my account information accordingly. Stop being lazy and requesting me to furnish information they already have on file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased an appliance from Best Buy and used their offer of charging the purchase on my Citibank Best Buy credit card which offered no interest for 18 months. I waited for my bill to arrive and had budgeted the money to pay the bill. No bill arrived when expected, so I thought that it was simply delayed in the bureaucratic pipeline. I contacted them after realizing that it had been much longer than reasonable to receive the bill. They charged that I had requested a paperless billing and that the bills had been sent. I may have made the request, but I had received no bills, paperless or otherwise, and no phone calls either. I initiated the contact and discovered that my {$680.00} purchase was now a {$740.00} charge due to late fees. I XXXX, so I am confident that if any emails had been sent, even if they arrived in my spam folder, that I would have gotten them. I believe that it is possible that the creditor is making a practice of not supplying the proper statements to the consumer on time so that they can collect fees in lieu of the promised interest-free charge. I believe that there is an element of fraud in this practice. Any creditor would notify a consumer by phone if they were not receiving payment for a period of two months! I had no phone calls from Citi Best Buy MasterCard concerning any matter, least of all an account that is 2 months in arrears! I might have gone on accumulating late fees if my wife had not asked me about the account. I went online and registered the card account and found what they were charging me and of their claim about paperless statements being sent. The person with whom I communicated, XXXX XXXX, said that she could not ( or would not! ) deduct the late fees until I paid the bill : and she would only credit half the fees, not all of them. I paid the account in full that very day, including the disputed fees and requested the account be closed. My credit history is a tribute to my ability to pay ALL my bills on time. It seems to me that a creditor 's ability to collect late fees on an interest-free credit agreement is a great impetus to make sure the consumer does not receive the billings on time. How long would they have waited to contact be because the account had gone unpaid? As it is, I paid an extra {$62.00} for the interest-free purchase. Maybe that is a small price to pay to learn about the credit practices of this company. How many others have been, and will be, defrauded by this practice? 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint with CFPB on XXXX/XXXX/2015 against Trans Union ( please refer to case # XXXX ) Trans Union stated that it would take them 60 days to respond. To this date no response from Trans Union, the items that were disputed still remains on my credit report. Trans Union has violated FCRA by not conducting a re investigation as stated in their response to complaint # XXXX. Trans Union only removed judgments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of Identity Theft with a complete FTC package ( police report & affidavit ) and per state regulations I have a security freeze and a fraud alert on all three of my consumer reports. 

On XXXX/XXXX/2016 I applied for a Best Buy Credit Card issued by Citi Bank. Prior to submitting the application and thus 'hard pulling ' the actual report, Citi Bank were aware of the following fraud alert through 'soft pulling ' : XXXX XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016. ' When they did a hard pull, which was indeed authorized by myself, taking into account that they 'd ignore the fraudulent inquiries shown as 'disputed ' for 10 days BEFORE I APPLIED. They did a hard pulling and declined me because of solely being a victim of identity theft. This raises a legal issue of discrimination as it is certainly not my fault that my identity got stolen. If at any time prior to the hard pull, was I aware of they intentionally declining me prior to this, I would n't made the application and damage by report. Other lenders have previously issued me credit, DESPITE THE FRAUDULENT INQUIRIES as they knew I have n't done them myself per the fraud alert which you can see by soft pulling. I believe reason to believe that this is intentional and I would like to seek legal remedies to have the Best Buy Citi Bank Inquiry removed from my XXXX Credit Report. 

I have opened at least XXXX credit card accounts : XXXX and XXXX XXXX with both of the creditors being aware of inquiries on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted a credit dispute with Experian a number of times about my address and addresses that are not mine also deleted information on my credit report and they refused to delete it even though it has been deleted off of my XXXX and XXXX credit Report. They also associate me with an address because I have utilities in my name at that address but as I explained to them it is not or nor has it ever been my known physical address so it should not be reported on my credit report. I have a utility bill in one of my relatives name because he and his wife was going through hard times and for some unknown reason Experian is reporting that as my address. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX XXXX My checking account with Bank Of America was closed and reported to XXXX and XXXX due to an extended period of being overdrawn for {$190.00}. In XXXX of XXXX the total amount of {$190.00} had been paid to XXXX XXXX XXXX, the collection agency that had been assigned by Bank Of America to collect the debt. As Of XXXX XXXX Bank Of America states that their records indicate a balance is still owed on the account for {$150.00} and only XXXX payments of {$20.00} were received six months apart. I have contacted XXXX XXXX XXXX and was told that they no longer have records of an account and I would have to contact Bank Of America, contacted the bank as instructed and was again told to I would need to contact the collection agency to have them to verify and send updates to Bank Of America. 


The problem I 'm having is Bank Of America says they ca n't contact XXXX XXXX XXXX directly and the collection agency states they no longer have records of an account and I will have to contact the bank. I have made several attempts to get this issue resolved since XXXX and all I get is the bank stating there is still a balance owed on the account and you need to contact the collection agency and the collection agency rep. stating there is no record available in the system and will have contact Bank Of America. 


I have also disputed the account with XXXX and XXXX XXXX XXXX and their response is we have verified the account as reported. 

Company response: Company chooses not to provide a public response
Consumer complaint: I discovered a recurring charge on my Barclays ' VISA card, issued by LLBean. It was a service I was not using, and I spoke to a Barclays rep who told me I needed to change my account number. After following this advice, the charge still appeared on my next statement. I called Barclays and was told that when a person orders something online, checks the box agreeing to " terms and conditions '', and charges it to their VISA card, the business is connected to that specific account, NOT the account number! So changing my account number did not matter ; I was still being charged. She kindly offered to stay on the " line '' with me while I cancelled that subscription, which I did. On reflection, however, I was concerned about the ability of Barclays to have that kind of control over my account, i.e., my " money ''. Why should any company be tied to my account, especially since I XXXX told that every time I changed my account number, then I need to give that new number to all the accounts that I have automatically charge my card each month, such as XXXX. It did not make sense that online companies should have that kind of " special '' treatment over my local companies with which I do business all the time. In the meantime, I had " googled '' the recurring address of the initial subscription I had ordered as it appeared on my credit card statement. I was shocked to see the words " Fraud '' and " Scam '' in the addresses that came up from " googling '' the company, which happened to be " XXXX XXXX ''. That is what prompted me to contact LLBean and let them know that ( in my opinion ) Barclays was " aiding and abetting '' that fraud by allowing companies to tie directly to my account, rather than just to my account number! For myself, I am done with that company since Barclays had helped me contact XXXX and cancel my subscription. However, I was concerned that others may not realize and be likewise charged each month, not aware that Barclays policy allowed a " tie-in '' to one 's account, as opposed to one 's credit card number. Plus, it could reflect badly on LLBean 's good name. 

Company response: Company chooses not to provide a public response
Consumer complaint: First to take action on a foreclosure, fraud not the owner in due course, continue with proceedings while under QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a first mortgage with XXXX Bank XXXX XXXX as trustee which mortgage is being serviced by Nationstar Mortgage. In growing my business, I incurred large start up costs which caused me to fall behind on my mortgage payments. I recently made a good faith proposal to get my loan reinstated within a period of XXXX to 7 months. This proposal included a significant lump sum payment with large monthly payments which I offered to have automatically withdrawn from my account and with a lump sum payment to pay any remaining arrearage after XXXX to 7 months. My offer was turned down and the bank made a counteroffer which would require an even higher initial payment and monthly payments higher than I could in good faith commit to. I feel that I am not being treated fairly by my lender despite my good faith efforts to bring my account current in the not too distant future. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Letter received from HRRG Collections. I called to inquire about the debt and they collected last XXXX digits of SSN and asked for my date of birth, which I would not provide and hung up. Attempted to send inquiry via XXXX and web inquiry failed. I searched online to identify the original debt and there is no authentic result. I have no record of an appointment on the date of service. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit score dropped by XXXX points with no explanation with TransU. I have paid my bills on time to all parties. Therefore, it is unfair to deduct from my credit score XXXX points without explanation of why this was done. This leaves me in the blind as to why these points were taken and how to get them put back on my credit report. My score should remain at XXXX or disclosure must be made so that I can seek a remedy. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY CHAPTER XXXX FOR XXXX XXXX XXXX THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page XXXX MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE THEM ON MY REPORT. 

BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove COAF INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLYED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITESM AND SHOW HOW YOU INVESTIGATED THE COURT ORDER. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was cleared & verified by XXXX that the charge is an error. XXXX sent them info that the balance has been cleared. They are still in pursuit of money I DO NOT owe! 

Company response: Company chooses not to provide a public response
Consumer complaint: Citimortgage approved me for a re financing of our home. They instructed us to make 3 payments at the new lower payment which we did. They also said soon you will receive a package with instructions on how to proceed. When it did n't come I spent entire days, many hours trying to get answers and was often hung up on. Eventually I started taking notes of who I spoke with, the date and time. Eventually a representative instructed me until further notice to stop making any payments so I did against my better judgment. I assumed that because they advised this they acknowledged how messed up their own system was. I eventually found myself in default on my mortgage and nothing but run around tactics from Citimortgage per usual. I hired a lawyer that showed me multiple areas they conducted illegal actions against me and assured me I could not lose my home.I was stressed all the time and wound up developing a XXXX XXXX! I wound up having XXXX and woke up XXXX. Fighting for my life was now my priority. I ended up losing my home and am furious that Citimortgage and their false instruction put me in this situation. I want them to be held responsible for their lies. It caused my family their home! I did n't know about being able to complain or where until now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am going through a hardship financially and the Bank of America credit card collections people call me almost everyday and twice a day almost every other day. I have explained to them that I will make the payments I can but they insist on me paying a small amount every couple days and said they will keep calling until the payments are made. I have put the main number, XXXX, on an auto reject list so I do n't have to talk with them while I am at work. I am also getting interest added and a late fee to my balance every month, so that is pushing me back farther. Right now, any payments I make are just for the interest and late fees and they wont send me to collections because they want to keep charging me interest, even though I am 3 payments behind already and my account has been involuntarily closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cancelled my service after having them a year due to the lack of service of cable always going in and out. I called there customer service department and they really did not care requested a box and sent the cable box and control back and they are still saying i owe them like XXXX. That is not true and they are ruining my credit. I have called them and they do not even get a response from them. i have as well submitted a letter and they have not even sent me a letter to acknowledge that i wrote them, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a previous case with you that we thought was resolved. My husband and I were pleased with the creditors response. The creditor once again ( second letter ) apologized and stated that they basically in simple words would repair our good credit standing and reverse any late fees and interest charges. This was stated in the letter dated XXXX XXXX, 2015. To date, our credit has not yet been repaired. I am again, reaching out to you for your assistance. I have tried numerous times to reach the gentleman who wrote this letter to us/this credit card company and unable to reach him. I thank you in advance again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been struggling to bring my mortgage current for some years now. I was recently told that I was given extended a Principle Forgiveness but was never informed nor sent paperwork regarding this prior Principle Forgiveness that they claimed to have done on my defaulted loan. Nor was I sent paperwork, after I completed a years worth of on-time payments that was suppose to bring my loan current. I was told that Citimortgage would be sending me these documents. I believe that Citibank is trying to block me from modifying my loan and keeping my home at this time as my property has accrued substantial value over the last 13 years that I 've owned it. It does currently need several repairs that are covered under the home insurance but they are blocking the adjuster from following through and letting me get the repairs done. I have been getting assistance from local and national nonprofits and have tried several different methods to negotiate with them to no avail. I would like an investigation to be opened into how they handled or mishandled my case. They say that they sent me documents that I never recieved so that I 'd like to see a tracking number and signature for those time sensitive documents that they state I never returned to them. This is very disturbing to me and has caused a great deal of hardship and XXXX for me as it is my primary residence for my children and I, I am single parent who went through a long phase of unemployment. I am currently working and have been for over a year. 

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