AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We are a HUD approved housing counseling agency and we submitted a loan modification package to Di-Tech Financial LLC on behalf of the client on XXXX XXXX, we were consistently following up with the lender submitting documents that were needed to complete the file. DiTech place a foreclosure sale on XXXX XXXX. On XXXX XXXX I spoke with the SPOC on this file and she confirmed that the last documents were received and there was no sale date. The homeowner then sent us a email on XXXX XXXX stating that her home was sold on XXXX XXXX, I then called back into Ditech spoke with the SPOC and she reconfirmed again yes it was a hold on the sale date, however Ditech went through with the sale and hung up rudely in my face I then called back in to make sure she just did not hang up in my face on purpose and the same SPOC said yes the home was sold and hung up again in my face. I truly understand there is never a guarantee that a modification will be done to help a homeowner, but the homeowner SPOC confirmed not once but twice that there was not a sale on this property and she was very very very rude in her communication. No homeowner deserves that treatment rather they are current or behind. We need this foreclosure to be rescinded. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX 2016 our house payment jumped over XXXX $ due to raised house taxes.My understanding is a mortgage may not charge more then 31 % of a families gross income, a payment of XXXX is over that limit.I filed a loan modification with bank of America denied, appeal denied.I am XXXX my spouse is retired we have a very set income. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today I applied for a PenFed Credit Union XXXX card and was denied. I have good income for years, and my XXXX score is XXXX, and XXXX is XXXX. I am XXXX, however, and I think my last name may be red-flagged by PenFed. Why else would I be denied? I just recently was approved for a XXXX card with a {$6000.00} limit, and a home improvement loan of {$30000.00}. This is unprofessional, and CFPB should look into this. The same thing happened to me at XXXX last year. Something is amiss. And it 's not my credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday XXXX. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received notice from IRS of a tax notice. Upon making payment, XXXX/XXXX/2010, there was a tax lien file. Unable to get an explanation from IRS and Experian as to why tax lien was filed on same day as payment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Background : I filed Chapter XXXX BK in XX/XX/XXXX, and Chapter XXXX in XX/XX/XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that USAA continues to report status " In Chapter XXXX Bankruptcy '' -last reported XX/XX/XXXX. Please see attached. Is that appropriate reporting? The other creditors reported it once in XX/XX/XXXX and XX/XX/XXXX respectively and has not reported monthly since then. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I 've contacted Synchrony and finally got a supervisor to investigate the charges on my account. Synchrony bank has made many incorrect charges in past by charging me 5 times for the same item as well as not putting items on promotion as agreed when purchased. Every time they call me they 're is never anyone at the other end when I answer. My credit is good except for synchrony/walmart. Even though I am trying to resolve it by paying it I can not get answers. Now its been reported to bureau. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, a division of XXXX, has submitted a bill to collections against me. The charges are related to an energy bill for XXXX of XXXX for a former residence of mine. I vacated the home, and closed all accounts with XXXX, in XXXX of XXXX. 15 months later, they assigned these charges to me. Upon investigation from the collections agency, it was revealed that XXXX had sent a meter-reader to the home, 15 months after I vacated the property and closed my account. Based on that reading they assigned charges to me of {$230.00}. These charges took place 15 months after I had lived there. Multiple other XXXX accounts had been opened by the new residents at the home since mine was closed. XXXX has been unable to offer me any explanation as to why these charges were assigned to me, and have stopped returning my calls and emails. I have contacted all XXXX major credit agencies to dispute the collection ( which caused my credit score to drop significantly ). After investigating, all three determined these charges to be unlawful, and deleted it from my credit report. 

I would like for there to be an investigation into how a company like this can simply re-open an account that I closed 15 months prior, and start adding new charges. There was no attempt to contact me regarding this debt, in fact I have had no contact with the company since the day I closed my account upon my relocation in XXXX XXXX. They simply sent this directly to a collection agency. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have received calls from a General Revenue Corporation on a debt they claim is owed by my partner. To date, they have called : * me * my mother * my father * my sister all on our personal cell phone numbers. None of these numbers have been provided as contact points, and there is no overlapping financial concerns that would associate us with this claimed debt. I called General Revenue in an attempt to obtain an address where I could send a registered " do not contact '' letter, and was directed to a separate XXXX number for their complaint department. I was told this department would be able to provide me with the information I requested. This number went to a voicemail box, and so far I have not received a call back. I called back to the original number, and was told the complaint department is the only place that can assist with this information I understand they are required to supply. 

Company response: Company chooses not to provide a public response
Consumer complaint: i had an account with bank of america. I realized my debit card had been stolen by someone I knew, and apparently had been used to buy and send money orders as well as other things. When I reported this to Bank of America as soon as i realized what was going on they refused to give me back the money that had been in my account before the fraudulent activity as well as asserted that i was fully responsible for the charges on the account though I had no knowledge that was going to happen. I filed a report with them stating that I was not involved and was trying to file a claim for fraud however they never initiated anything even after multiple contacts with them. I am not able to open a new checking or savings account anywhere not even through second chance banking opportunities as this is listed as fraudulent activity on my part. I 've been trying to resolve this issue for a few years and need to be able to open accounts as I do not feel i should be made to pay fees for something I did not do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ongoing saga of fraud malice and deceit from verizon. MY 1st complaint exposure of there sloppy deceptive ( commonplace ) practices starts in XXXX 2015, to you and FCC. These clowns have fraudulently used my personal information to create, harass, insult my intelligence. This putrid company of lying thieves, proclaims I owe ( XXXX ) balances!!!!! There is ( XXXX ) outrageous XXXX and deception in my credit files, with this derelicts at experian and transunion. Equifax is the only one using XXXX, can see this is duplicated fraud and harassment. These putrid lying thieves at verizon claim I owe them {$320.00} and {$980.00}?! # Idiots deceived XXXX collection agencies to come at me with a bill for {$980.00}. NOW this ( ruse ) to harass and deceive ( XXXX ) accounts. OUTRAGEOUS, when has ( any ) creditor claimed XXXX seperate balances, same account/complaint of deceptive billing practices to mask there worthless excuse for ripping off ( OVER ) XXXX from there own customers. I do n't owe verizon anything, they lied cheated me with there fraudulent ( cramming ) overcharges cryptic balance forward billing deceptions. Example I checked my statements these thieves claimed they gave me my proper credit for a deceptive billing for {$170.00} pre-charging early termination fee, for trying out a ( worthless ) un-saleable product, there google tablet, Other charges column, these XXXX recharged me the ( SAME ) {$170.00} pre-charged early termination fee. This is why I am fed up with this XXXX company. 7 years of aggravation, manipulated, confused billing. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a product from XXXX in the amount of {$750.00} on XX/XX/2015. The product came highly suspiciously, all the logos had stickers covering the product. Some of the products did not work. I then contacted the company for them to send out replacements. They said they would but first I had to provide evidence the product was not functional. They only made available an email address to send a video. Email is limited to XXXX attachment and I complained to the merchant. They ignored me so I initiated a credit card dispute. Bank of America was completely not a neutral party. First, they claim that the company not honoring the warranty does not apply to " Not As Described '' and so they refused to initiate a dispute. I finally got them to accept the dispute, but they did n't apply it how I said to. Then, later, they demanded that I prove the product was defective by getting a third party opinion written on letterhead. When I claimed this was not possible and instead made and upload a youtube video with proof they said they were not going to accept video evidence. Finally, they said that I had to pay the $ XXXX to ship the product back to XXXX and that as long as I had the product they were not going to do any more on the dispute process. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, There are numerous issues that have arised from your responses that I will ask to be answered one at a time through individual complaints using the CFPB site. Several of my questions were not responded too in my first complaint. 
First off I have been provided XXXX Mortgage Transaction History reports from the same Loan account that do not have the same dollar amounts posted on the Interest paid colum on the date of XXXX/XXXX/XXXX. 
Below you will find the Amounts of XXXX XXXX/XXXX/XXXX transactions from " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West. This Transaction document has Interest paid amount of {$570.00} on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Payment Fees Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$400.00} {$23.00} {$72000.00} Below are the Amounts of the XXXX XXXX/XXXX/XXXX transactions copied from the " Mortgage Transaction History '' that XXXX XXXX provided in his response to CFPB site on XXXX/XXXX/XXXX. The interest paid amount on this document has {$400.00} interest paid on XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX Payment Fee Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$170.00} {$230.00} {$23.00} {$72000.00} Auto payment, satisfied XXXX/XXXX/XXXX, late charges paid of {$170.00} Both of these transaction statements show that the {$170.00} was paid before the {$420.00} transaction. Actually it was when I looked online and saw that " AutoPay '' debited only {$420.00} for the monthly payment I then made the payment of {$170.00} so the monthly payment equaled {$600.00}. 

This would make a {$170.00} discrepancy on Form XXXX for tax year XXXX. 

XXXX XXXX, please explain which Transaction document is correct? If the Transaction History you Provided in your response to CFPB site on XXXX/XXXX/XXXX is correct it brings up a new problem. 
The Interest Paid total on My " Form XXXX Mortgage Interest Paid statement '' for tax year XXXX, is {$170.00} higher than the Interest Paid total amount from all XXXX interest added from the transactions stated on the transaction history you provided on XXXX/XXXX/XXXX. 
My accountant said he will be glad to amend my XXXX Federal Income tax return to reflect the correct dollar figure. 
I am certainly not paying this Income tax return amendment as this would be a BOTW mistake. 
Please provide correct interest paid amount for XXXX tax year on a revised Form XXXX. 
I have enclosed a copy of the " Complaint XXXX '', " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West as well as " Mortgage Transaction History '' that XXXX XXXX provided with his response on XXXX/XXXX/XXXX to CFPB site. 

Thank you in advance for acknowledging and answering this request. 
Sincerely, XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX/XXXX/XXXX Senior Vice President XXXX Bank of the West Hello XXXX XXXX, On XXXX/XXXX/XXXX I made a early extra {$300.00} payment using funds in account from Income Tax return deposited into account on XXXX/XXXX/XXXX. Enclosure ( Auto Pay debit 0f $ XXXX XXXX ) As we know The Section titled " Prepayment '' in the Promissory Note states " Early payments will not relieve me of my obligation to continue to make payments under the payment schedule. '' It was explained to me this is why AutoPay debited {$570.00} on XXXX/XXXX/XXXX to Satisfy the Regular scheduled payment due under the payment schedule. 
On XXXX/XXXX/XXXX I made a early extra {$450.00} payment using Income Tax return funds that deposited into account on that day. 
As we know by " Promissory Note rule '' the regular scheduled payment of {$570.00} is still due on XXXX/XXXX/XXXX. 
That would make regular payment of {$570.00} due on regular payment date according to you " XXXX/XXXX/XXXX ''. As we know AutoPay should debit {$570.00} on regular payment date " XXXX/XXXX/XXXX ''. We know by the Note Rule an early payment can satisfy a late payment fee of a future payment date but does not ever satisfy a Regular payment due under the payment schedule. 
Account balance on XXXX/XXXX/XXXX was {$2500.00}. Plenty of funds to satisfy Regular scheduled payment of of {$570.00} on XXXX/XXXX/XXXX. Enclosure ( XXXX XXXX Checking AccountStatement ) One thing we do know is the Regular scheduled payment can not be satisfied because of an earlier payment. 
Why did AutoPay fail to debit regular scheduled payment of {$570.00} on the Regular scheduled payment date of XXXX/XXXX/XXXX? Enclosure ( Mortgage Transaction History ) Thank you in advance for acknowledging and answering this request. 
Sincerely, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 I received a letter from American Credit Acceptance stating they will not remove my dispute in regards to a hard inquire I disputes. In that dispute I requested American Credit Acceptance to provide me the documents they obtained that gave authorization for them to run my credit so I can verify its validity. American Credit Acceptance refuses to comply with my request. The name on the letter from American Credit Acceptance is XXXX XXXX. American Credit Acceptance is knowingly and willingly violating the FCRA. By them not providing me the documents it suggest they do n't have any therefore these inquireies have to be removed from my credit report immediately. If American Credit Acceptance continues to use delay tactics and knowingly and willingly not comply I will seek legal council and action. There dereliction of duty has resulted in a negative impact on my Credit Worthiness and credit score causing great distress.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I receive a cancellation of debt letter from XXXX XXXX about a charge off I had in 2011. I submitted a document to all XXXX bureaus however Experian have yet to honor this " cancellation of debt '' document and continue to report this account with a balance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A company named XXXX at XXXX is contacting my place of employment 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 XXXX XXXX requested a hard inquiry on my credit report and this was not authorized by me, this is making it difficult for me to obtain new credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A real estate agent recommends filing a complaint.Assured representation of Tammac Corportation.Used discrimintory remarks to indicate high rates.Would provide their employees benefits for government services.Indicates a complaint.Shown a recommendation to charge a violation.Benefit a home owner.Establish an objective to increase an estate value would prove beneficial.To concerned parties. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received two e-mails and a text message from cashnetusa.com saying their check was returned by my bank do to insufficient details. It was in reference to a loan I supposedly applied for.They asked that I submit my personal bank information and fax them a voided check. I NEVER applied for any loan from this business. I do n't know what they 're talking about. I was the victim of identity theft in 2012. It may be that someone is trying to obtain funds under my name or this business is trying to solicit my personal information in a dubious manner. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I called Ally Financial multiple times during XXXX XXXX and XXXX to discuss my account and the impacts of being near XXXX days delinquent. I went online to make a payment, and submitted on XXXX XXXX, so I would not have my credit hurt. Upon going online I found Ally offered no disclosures about payments made on the weekend. Speaking with an agent she noted my account to which I received a call on XXXX XXXX only to be told my account was past due since XXXX 2015. The XXXX agent I spoke with showed my credit file was not updated and I would not be reported as being XXXX days past due since a payment was made. I received notification from XXXX XXXX of new reporting information, which was a delinquency reporting from Ally. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX at quad Corp. deck collection agency in XXXX Iowa has repeatedly called myself and my husband trying to collect all debts from old hospital bills that have been paid. He usually waits between six and nine months and tries it again. He is been repeatedly told through writing and verbally not to contact my husband at work or on his phone, that he may contact me anytime on my phone. He repeatedly ignores these requests and does as he pleases 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion has refused to provide either the required free credit report or to provide even after I paid online for the report. Phone calls are routed to a call center in another country and they simple will hang up or transfer you back to another person in the same call center. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recieved a letter stating the were going to file a civil law suit. That this was the last letter ( which is the only letter ) I have received. The said the debt came from the CREDITORS. That is it. I do not have a clue who the CREDITORS are. I do not want to get sued, but I do usually give someone XXXX and not know why. Can you tell me what I can do? MCOT XXXX, Tennessee 

Company response: Company chooses not to provide a public response