AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My XXXX-year old son bought a " pre-paid '' debit card " NETSPEND '' so he could pay for something on his own on the internet. Little did he know that he had to ( this is their wording that he found out when he could n't use it ) " provide your name , street address, date of birth, and other information that will allow us to identify you. We may also ask you to provide a copy of your driver 's license or other documentation as proof of identification. Approval of your request for a NetSpend Prepaid Debit Card requires passing our identification verification process. Residents of the State of Vermont are ineligible to open a Card Account. '' All as part of Patriot Act/Anti Money Laundering requirements. I work for a financial institution that follows these regulations ; NetSpend requires someone to " Open an Account '' and thus in that manner they require the " know your customer '' rules. Thus many people do n't want to give this information and never can use the card when they think they are purchasing a prepaid CREDIT card. My son only got bilked out of {$10.00} but there 's instances all over the internet of {$100.00}, {$200.00} and {$300.00}. At my bank we do n't let someone give us their money and " open an account '' account they then ca n't use. They know up front that they will provide personal information ; if they do n't want to provide the information, then they walk away. NetSpend is violating consumer laws by not providing disclosures to customers, or at least making them aware of the depth of the requirement at the time of the purchase. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was on the Harp program with Citimrtgage and I got behind and asked for help in adjusting a payment for two months and they refused. I appealed the ruling and they placed me on Harp 2 which resulted in my loan being saved by XXXX XXXX. Throughout the process of re mod I paid a trial payment but Citimortgage put negative late payments on my credit while I was paying the trial payments. I want these late payments removed from my credit adapt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a contract with Westlake Financial Services on XXXX/XXXX/2013. Since then they have made my life so hard. I decided to buy a car to build credit but little did I know I was making the worst decision to finance with them. They have not reported or even tried to pull my credit report since then. I 'm constantly on the phone with them sending them whatever they need, copies of my ID my social security card everything but they do n't seem to care about it. Everytime I call them I speak to a supervisor to see what 's really wrong but all they tell me is We ca n't disclose information to you. That 's ridiculous, I pay XXXX dollars a month for what? For them to tell me I 'm not the account holder. I 'm so frustrated with this company all they do is lie and hang up on me because they do n't want to help me. I have contacted the credit bureaus to see if anything is wrong on my credit report but they tell me everything is fine. XXXX even contacted them and tried to get them to report but they also got hung up on. I 'm running out of options. I honestly just want to stop paying the car. I have no use for it if I 'm not getting credit. I just received XXXX letters from Westlake Financial Services and there is XXXX different names on them. How is that? They are the worst company I have ever been in contact with. They even told me themselves to give up, that there 's nothing I can do about it. Please help me I have payed more than half for the car already. I really think I deserve to get some type of credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name. 

Company response: Company chooses not to provide a public response
Consumer complaint: My original loan was with XXXX {$310000.00}. My mortgage was taken over by XXXX and later taken over by Specialized Loan Servicing LLC, servicer for XXXX. I did have a series of bad luck & XXXX. I am a XXXX, until I needed a XXXX that put me out of work for 6 months. Later I had to have a XXXX, then my surgeon told me that I could no longer XXXX. 
SLS kept telling me to reapply for a modification, but I was advised that even if I could make a payment that they will not accept it. I worked with XXXX in XXXX and we reapplied and SLS had a different reason to refuse a modification every time. This went on for three years, causing me to now owe about {$85000.00} in the arrears. 
my income did not meet 31 % toward mortgageI had too much equity so my NPV came out negative / they had over valued the housethey ran the numbers again and did not include my Fianc 's income, income was too lowthey ran the numbers again with his income as a contributor and the lower appraisal again a negative NPVthen they scheduled a Foreclose Auction DateI had to File Bankruptcy to figure out what to do next. 
I grew up in this home & raised my children in my home. I have some neighbors that we have known each other since 1960. 

Company response: Company chooses not to provide a public response
Consumer complaint: Chex Systems has received letters, faxes, and police reports as well as verified evidence showing that it was not possible for me to have the listed accounts. Chex Systems negligently refuses to remove the fraudulent accounts. The only action left for me to do is file a lawsuit, which I 'm more than willing to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX1998 XXXX XXXX XXXX Mortgage charged my account $ XXXX believe this is the cost of XXXX foreclosures which were filed in error XXXX XXXX XXXX XXXX $ loss problems and Wells Fargo merged XXXXI have been trying since 1998 to get a breakdown ( ie time with explanation ) of what makes up this $ amt. Since XXXX every time I send in a RESPA qualified written request, I get the same reply. Which I believe to be a sham '' The matter presented in your correspondence is currently under review and a responsewill be provided to you once our research is complete '' I have yet to receive an answerwith the information requested. I need the reply to be broken down into Attorney fees, late charges, or whatever? by time line. ( ie Late charges {$25.00} for what time? 
I believe this is constructive fraud designed by Wells Fargo.for their gain. Please note, I must receive a reply which will contain time, description and $ amt. XXXX years is sufficienttime to do their research. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I took out a loan over twenty years ago with the XXXX XXXX XXXX to help our son start his own business. Interest only was paid on this note for approximately 15 years during which time US Bank purchased XXXX XXXX and our note. Our son faced difficulty in the construction business plus XXXX of his young children developed XXXX health problems. I continued to pay this note and never missed a payment, even after a terrible down turn in the economy in 2008 which affected us greatly. I am a veteran XXXX years old and my wife is XXXX. It became impossible for us to make anymore payments living on our fixed income. The note was {$120000.00} - we paid {$1200.00} per month for 180 months ( totaling {$210000.00} ) plus {$50000.00} on the principal - so over the 20 years of making payments, we have paid back {$260000.00} on a {$120000.00} note. US Bank is trying to collect an additional {$75000.00} ; however, this is impossible for us. We have attempted to settle the debt for as much as {$7000.00} ; however, US Bank will not accept what little money we have left. I do not see how this is right considering the amount we have paid on this debt, in addition to our settlement offers in good faith to resolve the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was getting weekly robo-calls from Harris & Harris for a year or more and then the calls seemed to stop, until today. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have had a fraudulent charge on my account, that the credit card company is refusing to remove from my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was not really a category for my problem. I am trying to setup a connect.experian.com account so i can check the credit of prospective renters. I tried to setup an account and they told me some of the information on file was no matching and that I should request a free credit report then submit the credit file number to setup an account. After doing all that and receiving my credit report they are now telling me that I ca n't set up an account because " I do n't have any credit ''. I have replied to the XXXXXXXXXXXX email and told them I do n't want to share my credit but want to be able to have others submit their credit to me for the purpose of renting. Some lazy CS rep is just cutting and pasting the top XXXX replies into my email without bothering to address my question. Its the classic case of " Question Deflection '', I send them a question and they cut/paste something out of their list. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received the results of my dispute back from Transunion, but it doesnt look like they reviewed anything I sent them including the documentation I provided. Instead, they applied my Bankruptcy to ALL my accounts ; whether it was valid to do so or not. This includes accounts that are current, those that were paid off years ago, all Student loans- both paid off and currently due ( now showing as closed ) ; a judgement and mortgage loans that were not discharged but paid previous to the BKXXXX. I now have XXXX new erroneous key derogatory 's on my report because of this and even more serious items to dispute than the first time. I need your help in assuring that they correct the errors they 've created and actually investigate the items that I am disputing this time. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Disputed XXXX orig. Debtor : XXXX XXXX Bank as not mine, I learned this debtor is XXXX. 

Now duplicate reporting with collection agency showing Open Credit on C/R 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my home XX/XX/XXXX. Property taxes were high XXXX {$1800.00} XXXX because no one had occupied the home for about a year. Last month, I noticed that my mortgage payment with Freedom Mortgage drastically increased for the XXXX billing period. It went from {$820.00} to {$1000.00}. They said it was from property taxes. They had based their escrow analysis on last year 's property taxes, which were much higher than they are this year because I filed for the homestead exemption XX/XX/XXXX. Property taxes for this year are {$830.00}. I called and they stated to fax in the estimated taxes for this year. I went to XXXX XXXX tax assessor 's office and they gave me a print-out of the estimate and I faxed it in. I called about 2 weeks later checking on the status ( on XXXX XXXX ). They stated that the estimate was " incomplete '', so it could not be processed, even though it had all the necessary information regarding my home and taxes. By that time I had received the actual property tax bill, so I sent in the bill along with the form from my tax assessor 's office stating that I had filed for homestead last year. I explained to the representative that the extra cost on my mortgage payment was placing a financial hardship on my family. The representative stated that she could have the escrow waved for XXXX and would have that tax information expedited in order to get my taxes corrected ASAP. She stated that I could pay my normal payment for XXXX, which was {$810.00}. She took my payment over the phone. XX/XX/XXXX I called to check on the status. The representative stated that she could not see where the tax dept received any of my information ( basically nothing had been done XXXX. She stated she looked up the bill on XXXX XXXX tax department 's website and would put that on file and make sure it got the the tax department. She stated that Freedom Mortgage could not accept my payment made XX/XX/XXXX as a full payment, that I needed to pay the remainder of {$210.00} today for my loan to be current or else I would incur late fees. I made the payment over the phone XX/XX/XXXX. She stated that I would more than likely have to pay the {$1000.00} in XXXX as well. She stated there was no way around it. My complaint is that this should have been taken care of the first time when I sent in the property tax information that came directly from my tax assessor 's office. This is the third time that property taxes have been sent to the tax department, the first 2 times were unsuccessful ; I am hoping the third time 's the charm. I can not afford the extra {$210.00} tacked on to my mortgage payment for an error/carelessness on THEIR side. Every time I call I just wonder if something is actually going to be done or if I am going to find out in 2 weeks that nothing was taken care of. They are probably prolonging this so they can get more money from me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX my husband and I took an equity line of credit with Bank of America. We had a pre-existing 2nd mortgage with them for {$120000.00}. and a {$530000.00} 1st mortgage with XXXX XXXX ( whom is not XXXX XXXX ). At the time, the appraisal came in at {$750000.00} and so Bank of America gave us a new 2nd mortgage at {$210000.00}. 
We did not know that we could not finance 100 % of the equity in our home. We still have the XXXX mortgages with an appraisal at {$580000.00}. I am only paying interest on the Bank of America loan and I have modified my mortgage payment 2 years ago. I tried to modify it again but was unable because they could not lower my payment to the govt. percentage rate. That is when I learned that I should n't have been able to finance to 100 %. I did all the mortgage application through a salesman that had contacted me by phone and thus the mortgage is in my name only ( we really do n't understand why ). 
At this point, my salary is XXXX of the amount it was in XXXX am a XXXX and my reimbursements from the XXXX is the reason for the lower pay. I am taking classes to obtain a XXXX in XXXX but I am only partially into this program. When I finish, I have {$95000.00} of student loan debt to begin paying also. This is why I tried to modify again ; I sent paper work in once using my salary and a contribution from my husband 's and I was denied because they said I did not make enough money. I reapplied and tried to have my husband 's name put on the mortgage and was denied again due to not meeting the govt percentage requirement. XXXX told me that I can not add his name without refinancing and we would be denied for that. 
Yes, we were stupid like so many others. We are hanging on and I am afraid to even contact Bank of America for fear that they will want me to give back a percentage of the 2nd mortgage. We have no savings, living week to week so there 's no possible way we could handle that. My office is in my home so even if I was to downsize my home, I would have to lease office space so I ca n't win. 
2 years ago, I had to file Chapter XXXX bankruptcy for myself because of the loss of income. The attorney at that time was not a mortgage attorney but felt that there has been some questionable activities in loaning us money. I can not afford to hire another attorney to investigate especially when XXXX XXXX says there is nothing that can be modified. 
Is there? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX bank accounts with BB & T ; XXXX saving and XXXX regular or basic. My other services are BB & T checking card or ATM card, and online banking and Overdraft protection. Everything was functioning great since I opened my account in XXXX last year until one day in XXXX of this year, I was contacted in XXXX, to change my saving account type to a checking account type, based on the fact I have exceeded the withdrawals limits for a saving account per Federal regulations. I am not complaining about this fact, as it seems fair within the Federal Regulations. So, I went to the XXXX branch to resolve this matter, and was advised to change that savings account to a checking account, as not be bound by withdrawal limits. In fact, the Branch banker ( level XXXX ) said the transition will be seamless and nothing should change ( besides Yields, etc ). I signed all the new account creation paperwork and specifically asked questions on the Overdraft protection form. To my satisfaction, as to have my overdraft protected and fed from my new checking account, I signed the relative paper or form ( which I have a copy of ). Two weeks later, I started noticing that I am getting charged NSF charges for overdrafts, I thought I was protected against. To my suspicion, the bank emailed me on XXXX XXXX, almost 2 months after the account type switch/transfer. 

My complaint is that they have my signature on the alleged missing forrm/signature and that they refuse to reverse or pay me back the Non Sufficient Funds fee ( more than XXXX USD, but this number is not confirmed yet ) that I incurred because of a misplaced or allegedly missing signature or form. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I recieved a loan from Radient Cash for {$700.00}. that was directly deposited in my checking account at XXXX.The loan is called a payday installment loan and is for 6 months.The payment for {$200.00} is automatically taken out of my account on the XXXX and the XXXX of every month. This is {$410.00} a month for six months comes to {$2400.00}. This is an interest rate of over 700 percent a year. They never brought that up to me. It gets worse, after looking over my bank statement XX/XX/XXXX I notice that they deposited {$700.00}. twice on XXXX/XXXX/15. Now I realize that I owe them {$1400.00}. After doing much research I discover that this is not leagal in NJ. Today is XXXX XXXX and I am up to date with all payments, but I 'm not able to do it any longer. Please, please help me rectify this horrible situation before it destroys me financially. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied with CitiMortgage, the servicer, in XX/XX/2015 for loan modification - particularly for interest rate reduction from current nearly 7 %. After I provided them with all documents they asked, they would change the customer service representative and the new one will ask for everything again. This has been going on since XXXX, 2015. I do not think they want to reduce the interest rate and want the program to expire. 

My property address is XXXX XXXX XXXX, XXXX, MD XXXX. The loan # is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX on XXXX/XXXX/15 and applied for a store credit card. I was unable to get XXXX. Today XXXX/XXXX/15 I tried to call the number XXXX gave to get the problem resolved but again after putting in my social and DOB it would n't allow access. I then tried to get my free annual report from the website XXXX to see if my information was right but again after putting all my info in there were problems. After multiple tries XXXX site asked me questions about mortgages, credit cards and bank accounts that were started several years back that I never had any involvement in those start ups. Majority of questions are things that require you to be XXXX which at the years they said things we 're opened I was under the age if XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and Grant & Webber Attorny, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I borrowed a loan with XXXX XXXX. The paperwork came in the name of Cashcall. The was on a payment plan that never ended. The company charged so much interest. I called several times to make a lump sum payment, but was never able to get a call back. The next thing I knew a man from another company started calling me harassing me. This is after 2 years has past. I borrowed {$2500.00} and now they want me to pay back {$5700.00}. They are claiming they are gon na sue, and file charges. The person got upset when I stated I would have my attorney call him back. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My card was stolen & I received a bill from Macy 's for XXXX men 's items from XXXX NJ store- I never chargedI called thief Fraud line and reported the card stolen - I kept receiving bills & kept calling to take charge off and CANCEL the card - I also wrote XXXX lettersToday I got a call from collections!!!!! They never cancelled the card or credited my accountAll Macy service is OFF Shore not in U.S. - they say they will cancel and never do - apparently they ignore letters as wellThis company can not be trusted 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015Letters of Harassments. Beginning to receive letters from Bank of America, addressed from XXXX, Tx XXXX. Cover page states " Time Sensitive ''. Letter states " Thank you for sending your financial documents. Here 's what to expect next. Letter goes on and states that I have initiated home loan assistance. The sooner we receive your documents, the sooner we can evaluate your loan for " MODIFICATION ''. Letter has signature block of XXXX XXXX, Home Loan Team, Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit card was paid with a valid lawful financial instrument. Instrument was never returned or denied and believed to have been negotiated by the bank to settle the account. In addition the entity sending the communication CARD SERVICES is believed a third party interloper and Barclay Bank have never requested permission to share private information with CARD SERVICES and such communication might be unlawful 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank took {$170.00} in fees from my checking account between XXXX XXXX, 2015 to XXXX XXXX, 2015. In order to maximize the fees, Citibank processed larger transactions first in my checking account then smaller transactions which caused my account to be overdrafted. Citibank is engaging in unfair business practices by processing larger transactions first then smaller transactions in order to maximize overdraft fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent 

Company response: Company chooses not to provide a public response
Consumer complaint: I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day 

Company response: Company chooses not to provide a public response