AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I paid a portion of my credit card bill on XXXX different Barclay 's Bank cards. The debits appeared on my bank statement today, XXXX XXXX, but there are no credits on my card statements. They say it will be posted tomorrow, the XXXX. That means I am paying interest for XXXX hours to the card company on {$12000.00} that they have already received from my bank. If they do that for thousands of customers, possibly millions of dollars, they could be over charging customers for millions over the years. 

Company response: Company chooses not to provide a public response
Consumer complaint: You took out the loan with Western Sky Financial XXXX XXXX XXXX. The original loan amount was {$2600.00} on XXXX XXXX, 2012. I was charged an APR of 139.12 % daily. I have already paid {$6100.00}. XXXX back on this loan. I live in Pennsylvanian and payday loans are illegal. I did not know this at the time that is was not legal for them to charge me this excessive amount of interest. I have paid {$3500.00} over what was originally borrowed but I still receive calls from them daily requesting payment of a balance of {$2000.00}. This new balance is only because they have reduced the illegal interest to 6 % daily. I do not believe I owe this additional amount because I have already repaid my loan and a fair amount of interest on that loan. When I took out the loan they misrepresented the terms and conditions on the loan. According to those terms I would have had to pay back {$14000.00} for a {$2600.00} loan! I would have never agreed to this if the terms were clearly explained. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called to adjust my auto payment so that it would pay more than the minimum amount due, but was told by the customer service representative that their system was unable to do this. My original monthly minimum payment it {$87.00}, but I have had auto pay setup to pay {$150.00} for the past year, so the answer given by the customer service representative appears misleading. 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied and approved for loan in XX/XX/XXXX at State Employee Credit Union.Order credit report and notice information was not being reported to all credit reporting bureau.I understand that creditor do not have to report to all but if a consumer has positive information that can be reported it should.Not all creditor look at XXXX credit bureau to make offers for credit.The FCRA has a statement in it that information in consumer report should the maximum level of accuracy and if the Credit Union only reports information to XXXX ( XXXX ) bureau than I don '' t have that maximum level of accuracy 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We had have a mortgage for our home in Florida since XXXX. We were not able to make our payments and entered into foreclosure proceeding in Florida Court. 
We went through many attempts to modify the mortgage. In XXXX of XXXX we were offered a modification that we accepted. We made the payments required. In XXXX of XXXX the servicing company made a offer of a permanent modification that was NOT as offered under the proposed modification. We made it clear that we would not accept the permanent modification as offered. We sent them a letter to that effect. We also sent them a counter offer to their proposed permanent modification that more closely reflected the modification that was originally offered. They signed the counter offer and returned it to us. The foreclosure action was dismissed and the law firm that represented the mortgage investor/servicer sent us the modification via email along with sending it to us via XXXX Mail. 
Since the servicer has ignored the modification that we agreed to and is servicing the account as if we had signed the original modification as offered. They have acknowledged that the modification they are servicing under is not the modification the parties agreed to and signed saying we fraudulently and unilaterally altered the agreement, even thought they do not dispute that the agreement they signed and returned is the agreement we signed and sent to them. We did make changes to the agreement and sent it back to them, we told them we were going to, we told them we did XXXX Section XXXX paragraph H, attached modification agreement ) and they agreed to it in the modification as executed between the parties. Further they agree and acknowledge that the agreement that are servicing under is not he agreement they or we signed XXXX XXXX XXXX, XXXX letter attached ) and they are fraudulently and unilaterally servicing under an agreement we do not have and was never agreed to. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a home loan in XXXX 2015 with a closing date of XXXX XXXX, 2015 with Bank of the West. The first closing date was extended due to the Appraisal department of Bank of the West accepting a turn in date for the documents two days before closing. The next closing date was cancelled and the loan objected because they were unable obtain Mortgage Insurance for not providing sufficient comparable properties. 
I have listed the following issues I have experienced below : - Our loan processor rarely called or emailed us to keep us in the loop of our loan. I was rarely successful in contacting him when I attempted to call. 
-The realtors and myself were lied to by senior processor XXXX XXXX when we asked for an explanation of why the appraisal took two weeks to get back to the bank. I called the appraisal company and asked why it was taking so long and they stated " Someone from the bank called and said the documents were agreed to be delivered on XXXX XXXX, 2015 ''. XXXX XXXX emailed all parties involved and stated that it was the Appraisal company that changed the date of acceptance, ( When in fact, it was XXXX XXXX in the Appraisal department of Bank of the West ). 
- The loan processor did not get approval from myself to order a " RUSH '' document processing fee based on their mistake in ordering a document late. A non rush document fee is significantly less and was not shown on the signature form they sent me and was ONLY necessary due to their last minute performance. 
- It came to our attention in more than one occasion that all of the people that were involved in the processing of our loan do not work on Fridays nor have contingency for calls or document handling in the event of their absence which was not told to us when the loan was initiated. 
- The loan processor stated in email the an ILC, ( improvement land certificate ) would not be needed and ended up charging me for it anyways stating, " It 's a titling thing '' in contrast to an email conversation we had prior. 
- Was called in the beginning of the processing by an alternate agent who interrogated me as if I were some rogue. 

I feel that clearly what Bank of the West of XXXX has done has shown a repeated unprofessional nature and specifically a Failure to Perform/Breach of contract on my loan and wish to be compensated for the fees, charges and time that I have lost as a result of their failures. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited on XXXX XXXX, 2015 a XXXX check which was actually for services for the bank. I deposited the check in my Wells Fargo account on the same day. Because of the XXXX XXXX provisions, my bank had collected funds the next day. However, because of the way the law is written, Wells Fargo tells me that they can block my access to those collected funds for up to twelve days, which is what they have done. 

It defies believe that a bank, which exists at the pleasure of the government can bar my use of those funds or if allowing those funds can charge me an overdraft fee for funds that have already been collected for my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have called multiple times to Aafes credit hotline in regards to a time sensitive matter. I had an account that was paid and closed XX/XX/XXXX, the credit reporting agency XXXX indicated that Aafes stopped reporting on this account XX/XX/XXXX to all the credit reporting agencies. XXXX has indicated to me that Aafes needed to update to today 's date or provide a letter to all XXXX reporting agencies advising them to remove it from my credit report. This issue needed to be handled expeditiously as I am a veteran trying to finalize on the financing on my home loan, without this I will be without a home. First contact was with an agent that had to advise her supervisor of the issue, I was directed to email a formal complaint in. After the emailed complaint was sent a week and a half later I received an email from their credit disputes department stating that my report was updated to please allow 30-45 days for it to show on my report. I replied back asking for a copy of the updated outcome for my mortgage company to help finalize their credit decision. I received no reply, which I called their number to speak directly with the agent who had emailed me. I was told that agent does not take consumer phone calls the Aafes supervisor told me I had to wait 30-90 days for a reply. I was told emails went into a que only XXXX be answered XXXX at a time, she nor did Aafes care about by time sensitive matter. I had to wait the allotted time until my reply email was back at top to be answered. The following day I called again in hopes to reach a more respectable, helpful supervisor. To my dismay I reached another very rude supervisor that had generic almost scripted replies, except this time I was told no one had even stated on my dispute yet. I informed the supervisor that I received an email prior to that day from an Aafes credit agent stating my report had been updated. I have continuously made contact with Aafes trying to get a copy of their credit report for my account, every time I am refused a copy and told to wait up to the 90 days for a reply. To my knowledge under the XXXX the consumer should be sent a copy of their judgment on disputes. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I registered for the consumer opt out prescreen at XXXXon XX/XX/XXXX. I recently have had some trouble accessing my freeExperian credit report and as a result I have confirmed that my Experiancredit file had not been placed under the opt out screen. I have calledExperian and asked to be placed on the opt out screen list / register thismonth of XX/XX/XXXX. I will follow up with them for compliance as itseems they have failed to comply with my first request from last year. 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked for my yearly credit reports XXXX, Trans Union, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but Trans Union, and XXXX stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Became XXXX and could not pay a 8.5 % int mortgage payment. I wanted help to lower payment for remainder of loan which is 5 years. My home is appraised at {$90000.00} and I owe {$30000.00} so I definitely do not want to lose my home. I do not live in my home, it is rented for {$600.00} a month and my payment is {$760.00}. My loan preservation specialist, XXXX XXXX XXXX, who is my contact regarding my loan modification application, is not taking my calls. Since XXXX XXXX to XXXX XXXX I left at least XXXX voicemails, left messages with his co- workers XXXX and XXXX XXXX, and sent XXXX emails. I have yet to receive a call back. On XXXX I received XXXX denial letters ( after 35 days of waiting ) XXXX states HAMP tier 1 denied because I do not live in home ( applied for help for rental ) tier XXXX denied due to not meeting program guidelines ( don t know what guideline is. ). The XXXX denial letter stated they denied due to home being vacant ( home has never been vacant ). Don t know what to do other than appeal. It also states Americas servicing Co ( Wells Fargo ) is Only servicing the note and XXXX is the investor. Very confusing especially when I can not get anyone to communicate with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our Citibank statements either on line or in the mail no longer have copies of our checks. 
We need to see copies of the checks we write. These checks are documents we need XXXX and for other uses. 
If XXXX can give XXXX of email storage for FREE to XXXX XXXX customers, why ca n't Citibank keep less than XXXX that amount, XXXX megabyte of space to allow us to see our checks as they used to do? 
They only kept the images available for a year or so so it never amounted to a lot of storage. 
XXXX Bank is doing the same on the new account we opened there. 
Please stick up for us consumers. 
If XXXX can do it for free x XXXX, surely our bank can do it too. 
The federal government gave banks the big saving of not having to return the actual check to us. At least let us see the " virtual '' check. 
Thanks for your time and help. 
XXXX and XXXX XXXX you for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo furnished inaccurate and damaging information to multiple credit bureaus. Their action has caused our family to be denied credit in a recent attempt to secure an auto loan. Wells Fargo stated we were late on a mortgage payment when the loan was paid off in full. They were fully aware that we were refinancing and provided a payoff letter including final balance and payoff date, then turned around and sent derogatory information out about us. We always paid the mortgage on time and in many cases paid in additional amounts. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Homeowner fell behind on her mortgage and tried to work out loss mitigation options with her servicer, BB & T. The Homeowner and BB & T participated in a state administered mediation session that concluded without an agreement. As a result of the mediation, The Homeowner knew what documents BB & T needed to continue their loss mitigation review. She submitted those items on XXXX XXXX, 2015. BB & T 's attorney confirmed that he had received the workout package, he forwarded it on to BB & T, and he also confirmed that the Homeowner had submitted a complete package. 

BB & T 's counsel agreed not to move for a foreclosure sale during the loss mitigation review and agreed that there would be no foreclosure scheduling until at least XXXX XXXX. Despite those assurances the Homeowner received a notice of foreclosure sale date on or about XXXX XXXX, 2015. Currently there is a foreclosure sale date scheduled for XXXX XXXX, 2015 and BB & T has not completed their loss mitigation review. BB & T did not request additional documents for the loss mitigation review until XXXX XXXX, 2015. The Homeowner is in the process of collecting those items. 

Company response: Company chooses not to provide a public response
Consumer complaint: After over 35 days, the underwritters at a Cardnial Financial subsidiary company Sebonic, starting asking me for documenets that they KNOW I do n't have since this would have been revealed in my original paperwork, such as XXXX and over XXXX in liquid funds. This was a waste of my valuable time and cost me additional interest charges on my current loan that I would not have had to pay if I had known upfront not to go with this loan. I am out the {$450.00} ( appraisal ) + {$2400.00} I would have saved going with another loan ( 2 months interest ). Additionally they not make themselves available to me in a timely manner to discuss these issues, taking 5-7 days to get back to me and only when I would tell them that I was going to complain to the CFPB would they call me back. I am extremely upset. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted my bank Fulton Bank to report a fraudulent charge on my credit card. I was told the charge of {$1900.00} from 2014 by TSBO ( timeshares by owner ) would be removed and I would receive a new card because they would have to cancel my old card. It has been a couple of months and I have yet to see my credit. At this point I do not know where to turn I am XXXX yrs of age XXXX and I feel my bank has not helped me at all regarding this fraudulent charge. I have never heard of this company before until it showed up on my bill. I thought that I understood the law enough to feel that I was not liable for fraudulent charges to my account possibly due to identity theft. It seems Fulton Bank either feels otherwise or is not adhering to the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: My load was sold to CMC Funding ( XXXX ) XXXXThey keep delaying my loan payments so I pay fees on my mortgage loan. I talked to many people there and all they say is " not in out system yet, it will be mailed next week '' my payment is due soon and they still are not providing any information on how to make my payments.. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went on annualcreditreport.com. I wanted my credit score from TransUnion so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked and they refuse to give me my money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got my free annual credit report. I has just XXXX companies with their credit report ; XXXX AND XXXX but not the EXPERIAN. I need the full XXXX companies reports and now I will pay Experian in order to obtain it because it is listed in thre free credit reports but it is not included. 

Company response: Company chooses not to provide a public response
Consumer complaint: CashCall is an illegal payday loan. It is being sued in court. I am wondering should i still be repaying my loan if its illegal 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went on XXXX. I wanted my credit score from Experian so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked by the fine print scam and they refuse to give me my money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a XX/XX/XXXX Volkswagen Passat it was financing at credit acceptance the price was {$10000.00} it gave so much problems I believed XX/XX/XXXX I called them to repo the car and they sold the car and they want to pay the rest for {$6000.00} it 's really hurt my credit I ca n't even buy another car 

Company response: Company chooses not to provide a public response