AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XX/XX/XXXX I divorced XXXX XXXX XXXX, she went on to open credit cards and loans in her name. One of the cards that she open was with US Bank, which she charged up to the sum of at least {$15000.00}. She failed to make payments to this institution and was turned over to their collections department. Since XXXX XXXX did n't make the payments they tried to get me to. I explained to them that we were no longer married and have n't been for several, the debt is not mine. I have sent them copies of my divorce papers and they still placed it on my credit report as a debt that I owe. I find this very unfair and would like it removed from my credit report. I ca n't get US Bank to do anything about this matter. I am hoping that you will be able to resolve this matter with me. It is the only bad mark on my credit report, it is hurting my chances of refinancing my home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Mortgage Solutions of Colorado LLC. asked me to send them my complete financial information via fax and/or emai, in which we did. I do have a sale date of XXXX XXXX, 2016 and I have called Mortgage Solutions of Colorado LLC. to check status on my file, and my sale date. I just spoke with XXXX a representative in the Loss Mitigation Department on behalf of Mortgage Solutions of Colorado LLC. and was informed my file is complete and was forward to the processing department and is currently in line for review. However when I asked about the sale date XXXX informed me they, Mortgage Solutions of Colorado , LLC, do NOT postpone sale dates until the package is complete. XXXX XXXX she just told me my file was complete and because of the completion the file was forward for underwriting and asked her to correct me if I am wrong? XXXX placed me on hold and came back on the line to inform me they will try to review my file and I can call back tomorrow to check status on my file and see if they did not sell my property. I explained my sale date is tomorrow, how does she want me to wait specially when she just told me the file is complete and this is why it was forward already for review. I asked to speak with a supervisor and was transferred to the collection department, whom then transferred me to the loss mitigation department whom transferred me back to the main menu. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do NOT have a Social Security Number, and i can prove it by a oficial document issued by the Social Security Agency, but Transunion INVENTED a fraudulent Social Security Number for my credit file! 
This is causing a Financial Hardship, since every time I try to get credit, Transunion sends a fraud alert to the financial institution, and they are denying credit to me due to this reason. 
I have have already disputed this information more than 5 times and Transunion does n't take action to correct this! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I found that Wells Fargo paid my spring taxes 5 months late and in addition, paid a late fee of {$82.00} from my escrow. I have requested several times since XXXX that my mortgage account be credited money due for late fees and a mortgage analysis be completed again. I finally have received the credit ( 3 months later ) but the mortgage analysis needs to be re-calculated, as it did not include XXXX escrow payments that were made in the analysis or the credit. I have tried numerous times to have this resolved ( in person at different bank branches and over the phone with multiple representatives ) and no one at Wells Fargo returns calls or follows through with resolution. After their miscalculations, I want to know the " new '' monthly amount for my mortgage payments in 2016. This is the absolute worst customer service I 've ever experienced and need help to find out an answer. I submitted a formal complaint to the OCC but was informed this type of issue no longer falls under their jurisdiction. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was emailed a marketing message from Citibank stating that I may be eligible for a credit limit increase and that " a credit bureau inquiry is not required ''. I followed the steps and applied for a credit limit increase but Citibank still pulled my credit report and created an inquiry on all XXXX bureaus anyway. I have since contacted Citibank to try to rectify the issue but they have told me that they will not remove the inquiry because " their message must have told me that they would be pulling my credit '' even though I have proof that it says the opposite. I believe this clearly represents a XXXX violation as they deceived me by stating that my credit would not be affected and it subsequently was. 

Company response: Company chooses not to provide a public response
Consumer complaint: EXPERIAN KNOWINGLY REPORTS ERRONEOUS INFORMATION, KNOWINGLY ALLOWS ACCOUNT TO BE RE-AGED, REFUSES TO INVESTIGATEAND REFUSED TO DELETE. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a bank statement in the mail for an account I have n't used in over 3 years. I did not apply for any payday loan. had no idea that bank account was still open. 

How could they have done that? I did not agree to anything did not sin anything. I want that money reversed and given back! 

It was an ACH from Radiant Cash on XXXX/XXXX/16 for {$500.00}. 

Please help with this. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: citi became the new credit issuer for best buy and home depot. I was then discovered that my spending limits were slashed for no reason and was never notified. Never late with payments. I then notified citi I was cancelling this acct. They immediately shut down my on line access and since I went paperless, there was no way for me to pay my bill. I called again and they said when accounts are cancelled, so is the on line access. They then said they would send a paper bill but it would take a while. And in the mean time, they reported to the credit reporting people that my acct was 2 months late and my score dropped XXXX points, greatly hindering my abilities to obtain anything. They should have told me about shutting down my on line access when I cancelled my acct but they didnt. I am sick by what they have done to me as its taken me a while to rebuild my credit over time and they just ruined it and me. Some action needs to be taken against these criminals. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bay XXXX Credit calling to collect payment on behalf of XXXX XXXX XXXX XXXX. I contacted med insurance, said paid XXXX 2015. I contacted XXXX XXXX XXXX XXXX. Verified account paid XXXX 2015, currently XXXX balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Complaint is for the service r of Wells Fargo, which goes by the name of America 's Servicing Company. This service r is and has been in violation of various mortgage disclosure laws, such as those required in R.E.S.P.A and T.I.L.A. Laws since the originating mortgage XX/XX/XXXX. 
The particular mortgage is a subprime mortgage it was presented to an elderly person, a senior, non XXXX speaking who was asked to sign documents under duress and without proper representation nor translation. The senior in question was a vulnerable XXXX year old having just lost her husband. She was approached but an unscrupulous mortgage broker who used all of the equity in her primary residence to finance multiple properties. This is XXXX of XXXX. Moving forward to violations they included, inappropriate and unexplained fees of the section XXXX of the Federal Trade Commissions Act, which prohibits unfair or deceptive acts or practices in or affecting commerce. The escrow fees in this particular mortgage were excessive and continued from the onset of the mortgage through today. Despite the many complaints mortgagor submitted, especially after the one year anniversary which was the date that the borrower was exercising her right to not have it any longer withheld. The original note was defective and the closing documents altered to hide or change specific numbers in the monies she was charged for such loan. Despite having a XXXX credit score borrower was charged an 8 % interest rate when the market rate for such loan was an average of 5.5 %. This is akin to loan sharking. Continuing on to more violations the insurance escrow on a yearly basis was being paid for and charged to the home owner by the service r at triple and some years quadruple the amount that the home owner herself paid consistently without ever being uninsured, again, her borrowers complaints fell on deaf ears. XX/XX/XXXX home owner experienced a hardship and asked XXXX Wells Fargo and the service r to review and modify the terms of the loan given the high rate of interest. She was denied her request without any explanation. This was a major down fall for borrower as in the months to come her failing health declined and the cause of income loss. The situation has never improved and neither the service r or the bank ever made any effort to reconcile numbers which are representative of the total balance due to date believed and proven by home owner and her accountant to be wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: We paid off our Citi Bank XXXX in XXXX XXXX and over paid the account by {$600.00}. On XXXX XXXX we requested a refund for which we where told by Citibank that they would mail out a refund check for {$600.00} to arrive within XXXX business days. We did not receive a check so on XXXX XXXX we again requested the due refund and gave our checking account routing & account numbers for a direct deposit. AS of today XXXX XXXX, XXXX we still have not received a refund from Citibank. We recontacted today XXXX XXXX, XXXX and again requested our refund. Citibank account manager XXXX advised that she has opened an investigation into the matter. This is not acceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: Home Financing Center, XXXX XXXX, Florida, is requiring I have Hazard Insurance on my condo in XXXX, Florida. The condo homeowners association already has property, crime, and general liability insurance on this property. The property is not in a flood zone. I have provided this documentation to HFC. I have written several letters to them requesting information concerning why Hazard insurance is required on this property. The last letter was addressed to XXXX XXXX, President and CEO. HFC claims I have been notified on two occasions explaining the circumstances surrounding the need to have Hazard insurance. To date I have not received a response explaining why Hazard insurance is required on this property. I have owned the property for many years and the only thing that has changed is that the property was refinanced from a 30 year mortgage to a 40 year mortgage. HFC appears to have purchased Hazard insurance for this condo unnecessarily last year and this year at a total cost of over XXXX dollars. 

Company response: Company chooses not to provide a public response
Consumer complaint: I, XXXX XXXX, was the owner of, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. I purchased the Property by obtaining a secured Deed of Trust from CITIMORTGAGE, INC. Loan No. XXXX. The Deed of Trust was secured by the bank, and provided for a foreclosure sale of the Property to satisfy the unpaid balance due on the Deed of Trust since I was alleged to be in breach of the agreement. I made monthly mortgage payments for the Property pursuant to the Deed of Trust for approximately five years, though eventually a balance accrued and the bank informed me of its intention to foreclose on the Property. On or about XXXX XXXX, 2015, the principal balance on that Deed of Trust was approximately {$100000.00}. The bank did foreclose on the Property, and the Property was sold on XXXX XXXX, 2015, for {$150000.00}. My understanding is that the bank received that full sales price from the purchaser of the Property. The sales price exceeded the balance on the Deed of Trust by approximately {$49000.00}. The bank has given none of the {$49000.00} excess proceeds from the sale of the Property to me, despite my requests for that amount. Rather, the bank informed me that they would provide that money to XXXX XXXX, a corporation that did not and does not have any lien on the Property. 
I was not notified that the bank was going to foreclose on the house until after the fact. The so called notice was sent to an address that is not mine upon inquiry. I also found out that the so called notice was sent only one week prior to the sale of the property. One would have expected adequate time and notice sent to the correct address before the foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I have been having problems with our 2nd Mortgage with Wells Fargo since our bankruptcy in XXXX. I went to a special XXXX hearing before the bankruptcy judge regarding his concern about us reaffirming the 2nd mortgage. We went to our bankruptcy lawyer and address his concern but the lawyer felt we would be in jeopardy of losing our house if we did not sign it. We signed the 2nd mortgage which was a balloon interest only coming due at 10 years. 
In XXXX my husband was laid off and I was without work XXXX XXXX XXXX, XXXX XXXX XXXX. We were struggling with payments and the balloon payment was due in XXXX of XXXX. We tried several times to refinance the XXXX mortgages together but could not get enough equity to do this. We qualified for the Helping Michigan 's XXXX XXXX XXXX XXXX loan program for the period of XXXX XXXX through XXXX XXXX. Wells Fargo started working on our refinance of our XXXX Mortgage in XXXX or XXXX of XXXX before it was due in XXXX XXXX. They kept the loan refinancing going for 12 months. During this time they would call weekly ensuring that once they got the paperwork figured out we could start making payments and continue on with it. During this time it was found out that they were reporting us delinquent on our payments even though they would not let us send in a payment. 
We finally got the loan back refinanced and have been making payments regularly since. There was concern during this 12 months that they was something not quite right but they continued calling and assuring me the loan was fine. 
Since the refinancing my husband and I are still looking to put the XXXX loans together and refinance but every time we try this the banks have been telling us the numbers do n't add up. Our local banker Now in XXXX XXXX has told us XXXX of the credit bureaus are reporting the loan as being XXXX in XXXX. I have been on the phone with Wells Fargo for the last month and they can not come up with the proper paperwork that I have requested : 1 ) Reaffirmation hearing from our bankruptcy. 
2 ) Paperwork on the refinancing of our balloon payment. 
3 ) Removing our delinquent marks from the credit bureaus. 
At this time I feel that Wells Fargo has more than harassed me through our time holding our 1st and 2nd mortgages with them and caused great stress and lost time dealing with their run around. I feel they are being fraudulent towards us by never producing any paperwork or answers when needed. We would like this resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am questioning the way Citi calculate the revolving balance. I did not make a full payment in XX/XX/XXXX XXXX actually I made a payment a little less than the statement balance way before the due, but forgot to pay the rest part because there is no reminder from citi telling me i had a remaining balance ). So they charged an interest on me. Then in XX/XX/XXXX after the new statement came out I made full payment but Citi still charged interest on my account which i totally do n't understand. I called them. The customer service said once you have revolving balance, interest will be charged until the 2nd billing cycle even if I paid off the balance, which sounds quite ridiculous. I asked for waiving the interest charge which my other credit card company like XXXX and XXXX allows, but got refused by Citi. I do n't know how the balance was calculated and I was never told before this call. Just want users to be careful when using Citi 's card. Their rules are not clear to you until you got hurt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently transferred a balance from a high rate card to a 20 month XXXX rate card. Negatively affected my credit score due to low limit on 0 % card, with balance : limit ratio & gt ; 30 %. Nowhere in disclosures is this deleterious credit impact mentioned. Just WRONG! Should be disclosed in information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Each year the XXXX and the law firm who is representing them harrassed me and file diffrent claim against my bank account, by phone call and last week by the involuntary lien which they put on my property. 
On XXXX XXXX. XXXX, I received a letter from The Moore Law Group, a professional Corporation who represent XXXX about payment agreement to make a {$25.00} monthly for XXXX payments by XXXX of each month every month. They sent me a contract to sign and Since then I have been paid the due amount on time, each month without even one day late. The XXXX and their representative never on XXXX served me or notified me, that involuntary lien were put on my house. About two days ago I received a letter from Registrar-Recorder/County Clerk, to notify me notice of involuntary lien which was renwed again against my house. What the XXXX and their firm did is a fraud, they never told me that the lien was put on my house in XXXX when they asked me to make monthly payment, they never told me that they will renew the lien.If I am making payments, why withourt my knowledge they have to go to the court and renew the lien. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a Prepaid Debit card in the mail with my name on it from a company called " NetSpend ''. The letter that came with it explained how to active it and the costs. I was very upset that the card was created with my name and put in the mail. Even though this card was " prepaid '' it had my name on it. Anyone who received it could have used it to establish credit in my name. I called the company to ask them to take me off the mailing list and how they got my name? An automated recording started and asked for the credit card number ( which I destroyed so I did n't know it ) or my SSN. How would they know my SSN? The call was then answered by a person. I asked the customer representative about it and he stated I was n't in the system. I asked him to remove me from their mailing list and make sure there is no account with my name on it. He stated I was n't in the system. If I was n't in the system how did I get issued a prepaid credit card? I asked to speak to a supervisor and waited over 10 minutes which the representative said was still busy and I should try to call back later. I am very concerned this could lead to identity theft. I still do not know if this company has an account with my name open or if it has removed me from the mailing list. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/2015 XXXX unauthorized or fraudulent transaction of {$400.00} and {$300.00} dollars 

Company response: Company chooses not to provide a public response
Consumer complaint: Frederick J Hanna and Associates has filed a lawsuit in conjunction with XXXX XXXX to collect on a debt that they are unable to substantiate. They are attempting to collect almost double the amount that the original creditor specified. Furthermore, they have not submitted any business records related to this account. They are relying on third party affidavits and a general bill of sale with no identifying information. These are tactics that the Hanna firm was recently cited for by the CFPB. It seems to be business as usual. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After terminating service with trash collector they are trying to collect a payment in advance. Years of monthly service and payments, the payment of 3 months in advance was demanded, therefor service was terminated. Now this has been sold to a collection agency a year or more later. Documents destroyed due to frustration with vendor. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Last XXXX, I used my ( rarely used ) Macy 's CC to make a purchase for {$270.00}. I never received a XXXX statement ( did not realize they no longer mail them out ), which led to account being overdue in XXXX. In a phone call we ( my boyfriend and I ) had with a Macy 's credit services supervisor on XXXX XXXX, XXXX, after discussing the circumstance of my case, we agreed I would pay {$280.00} ( the {$270.00} plus {$5.00} in interest ) and Macy 's would reverse the {$25.00} late fee they had charged my account. I further requested my account be closed. 
In fact, Macys did not close my account and only reversed {$12.00} of the late fee, leaving a balance of {$13.00}, then proceeded to charge my account monthly with more fees and interest which unknown to me grew to {$66.00} by XXXX/XXXX/XXXX when they called me seeking payment. After we spent an hour on the phone on XXXX with another supervisor at Macy 's Credit Scvs, explaining the situation, they agreed to reverse all of the {$66.00} in fees and interest. I again requested they close my account. 
In fact, on XXXX Macy 's only reversed {$30.00} of the {$66.00} balance, again did not close my account, then proceeded again to charge my account monthly with more fees and interest which grew to {$140.00} by early XXXX, XXXX when they again called me seeking payment. 
We spent more than another hour on the phone on XXXX XXXX, XXXX with yet another supervisor at Macys Credit Svcs. At the end of this conversation we agreed that I would pay Macys {$15.00} ( the original {$13.00} of late fee from XXXX plus {$2.00} in interest ) and Macys would reverse the remaining fees and interest and finally close my account. 
In fact, on XXXX Macy 's credited my account with just a {$15.00} payment, reversed nothing, leaving a remaining balance of {$120.00}. While they now show my account closed, they have since contacted me several times seeking payment of the remaining balance. 
I wish to formally file a complaint about their pattern of unethical behavior, of promising XXXX thing and doing a another on repeated occasions over the past 7 months. I want them to reverse all remaining fees and interest and stop their harassing phone calls. I am seeking your assistance n reaching a final resolution to this never ending cycle of them charging fees and interest on other fees and interest long after my bill was actually paid off in the amount they agreed to. 

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