AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Us Bank Home Mortgage, XXXX XXXX XXXX, XXXX, KY XXXX, is engaged in fraudulent practices when it comes to processing principal reduction payments. 
This has happened to me always for the last 5 times. Here is the the illegal scheme :1-I make a principal reduction payment in addition to regular monthly Home mortgage payment. 
2-However instead of applying the the extra payment to reduce my principle, they keep the money in their account for applying to future monthly payments. 
3-However their next month 's statement still shows monthly payment is due next month. This fools us thinking that all the excess payments were applied to principal reduction but in reality, it just stays in their pocket w/o reducing my principal at all. 
As a result the above # 2, they are unfairly charging me more interest on my Home mortgage ( and keeping the received extra money with them as interest free loan ). 
This seems illegal to me and after every such incident call them and they reapply the payment to principal reduction. 
It seems illegal, unethical and fraudulent and may be impacting lots of unsuspecting people. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to contact the companies explaining the situation, I also sent in a copy of my id, so they could see my identity, but they refuse to remove & told me I needed to make a police report for identity theft, but a police officer told me I could n't make a report because it was over XXXX years ago 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015. I started a FHA streamline refinance with US Bank Mortgage. It 's 3 months for the working on processing this FHA streamline refinance. Repeatedly, I would ask for a status update on the file. The loan processor would indicate the file is on holding pending release of a FHA case number. In addition, I was dissatisfied with the lack of response from the loan processor. I would send an email for a status update and I would n't hear a response for a couple of days. I have provide all conditions the lender had requested but still continue to experience delays in this FHA streamline refinance. It 's a lost savings of {$200.00} dollars per month. In addition, I had a request for Regional Manager to response to my complaints regarding lack of response and asking to waive credit report fee because of the time delayed in processing this file. So I decided to take my business to another lender. I asked US Bank Mortgage to transfer the FHA case number to the new lender XXXX. As of right now, I have not heard or received a confirmation they have transfer the FHA case number to the new lender. The new lender notified me this morning they have not transfer the FHA case number. I have left a message to the supervisor for loan processing requesting them to transfer the FHA case number. Currently, I have not received a follow-up regarding the status of my transfer. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was paid and closed by my employer XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with Wells Fargo for XXXX yrs. I had a checking account with a savings account. On or around XXXX of 2015 I was on a XXXX in which I had {$2000.00} in my accounts. Some how I got a {$5600.00} charge and knowing I would have to work out a settlement with the cruse line. But Wells Fargo completed the transaction causing me to be over {$3600.00} in the negative. I had no money in over draft protection and in the past if I had a {$100.00} pre authorized payment and only {$90.00} in my account it was declined. ( always ). Never have they paid any transaction if I did n't have the funds available. 
I went to speak to my branch manager he called the main office and they to him it was a mistake on there behalf but nothing they could do nothing about it. 
Resulting in closing my account and keeping me from being able to have a checking account with any financial institution. 

This type of business is unjust. 

Thank you for your help in this matterXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: USB contacted me because their records on me indicated I should qualify for refinancing my mortgage and equity line ( they 'd tried a year ago ). I wanted to have them all be XXXX loan ; I got told had to be separate and with a 20 yr. on primary. I never signed an authorization to proceed. I got several things in the mail including what to submit -- I began sending but had not done all the required documents yet and then saw that the amount of my primary mortgage was in as equity line instead of reverse ( a XXXX-fold difference ). I emailed ( the way we 'd been communicating ) asking for the mistake to be fixed saying I was not going to proceed until they did -- silence and today 's mail brought the expected rejection letter due to their mistake. I want it fixed and removed from my credit records since I am proceeding with my credit union given USB 's ghastly mistake and handling of the application process. 
Also, I was told there would be free appraisal and no fees which was not how the documents I received showed it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a bank account with TCF bank in XXXX. When trying to use may attached visa card it is declined because they think my purchase has high fraud activity. I was trying to make reservation for a hotel and then trying to by video games from XXXX different days. I have PLENTY of money in the account 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX ( servicing company ) sold my mortgage to Select Portfolio Services ( SPS ) in XX/XX/XXXX. I was approx XXXX months behind on my mortgage when the change occurred ( XX/XX/XXXX ), once the loan was transferred to SPS, I paid {$3000.00} on XXXX in effort to catch up to what I was behind, per the statements from XXXX, with a remaining balance of {$300.00}. In XX/XX/XXXX, SPS sent a statement indicating that I was behind {$7600.00} which included the arrears, there was an amount of {$2800.00} was assessed in compounded interest which was deferred interest that should have been added to the end of the loan per a XX/XX/XXXX loan modification agreement I signed with XXXX. The {$2800.00} was instead added to the loan, and I was also advised of a {$1900.00} escrow shortage. I received XXXX notice of a escrow shortage, and there was no indication there was an issue. As a result of the escrow shortage, SPS placed Forced Insurance on my mortgage, and my payment went from {$1200.00} to {$1500.00}. I spoke to SPS about the problem and explained to them the lack of notice about this escrow shortage, and the forced insurance was cancelled but after XXXX months. I was not returned the amount that was assessed as a result of this insurance, when in fact, this insurance should not have been placed on the account in the first place. I ask that CFPB look into the practices by SPS as they have placed a financial burden on me, due to having to my payment going up, and this has caused significant stress this has placed on my personal life.I want to stay in home and would like to continue to make my payment, but the lack of miscommunication, and the error by SPS have been become far too many, and I bring this to your attention, as there very well may be other in my situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to resolve a late payment issue with the customer service representative, XXXX and she was unwilling to listen to my problem and only wanted the fee. As I explained I have never been late, always paid in advance but I recently asked to get a new number because I thought my card may have been compromised. I stated that I was on vacation and that I ca n't tell what happened to the scheduled payment as the old account was closed. I informed XXXX that I would pay off the account in full today but please waive the late charges. She refused and stated she did n't have the authority. I asked to speak with her supervisor, which I left s message to call me back. Of course, the supervisor did not call me back. As a result of my poor experience, I cancelled my card and paid in full. Still no call from a supervisor. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice from a collection agency ( Vengroff Williams ) and am contacting you because I do not owe this debt. This was settled with XXXX back in XX/XX/XXXX. I picked up the trailer in XXXX for a XXXX way trip to XXXX. When I went to turn the trailer in at the XXXX location, the place was closed. I then called the XXXX number and was told just to drop it off. They would take care of it on their next business day. XXXX charged my credit card and then refunded the amount after I called them explaining what happened. I called the collection agency when I received the first notice. Today ( XX/XX/XXXX ) I received a XXXX notice for VW. I did submit a dispute to XXXX today as well. Also, I do not have any paperwork from XXXX on this because it is from XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received a letter from Enhanced Recovery Company LLC indicating I have a balance with XXXX for {$92.00}, but can settle it by paying them {$55.00}. That amount has never been my monthly expense, XXXX XXXX confirms my account is current and they 've never authorized this collection agency. Their account number on the collection notice in no way is similar to my XXXX account. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other. 

Company response: Company chooses not to provide a public response
Consumer complaint: borrower requested short sale approval for XXXX lien with Navy Federal Credit Union and can not get response since XXXX/XXXX/15. when I spoke to XXXX of the NFCU loss mitigation reps I was told that they would not accept the XXXX offered for the settlement and would pursue the borrower XXXX for the deficiency, and that their normal business practice is to wait until the XXXX trust approval is close to expiration hoping that agents and buyers will become frantic and pay them more than the initial offering. this particular sale is a VA compromise sale and the XXXX lien holder was offering them XXXX the buyer has offered some and I have offered commission to get them XXXX and we can not get a decision. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for credit at XXXX and was denied, which was crazy, because my credit score should have been around XXXX. They told me it was because I had XXXX accounts reported for collections. XXXX had XXXX bad accounts reported from XXXX different debt collection companies lying about who I was. These accounts belonged to a woman with my name who lives in XXXX. But, XXXX was not alone. The fact that the TRANSUnion credit reporting agency accepts information about a woman with a different social security number living in a different state and puts it on my account is outrageous. They should be able to be sued for this, but of course, they have probably written laws that prevent that. It was clearly observable that I was living in XXXX during the years they tried to put the bills on me and that I was not that person. This situation ruined our family 's life at a critical time of unemployment and need, and they should be made to pay for it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have already submitted a complaint against Green Tree ... they since put me on a repayment program, but now are demanding TWO PAYMENTS OR FORECLOSURE, even though I made the first repayment amount before this demand ... .please please stop these people ... 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I don, t have any XXXX XXXX account since 2013!!!!??? 
I live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was a student at XXXX College XXXX CA, and they closed there doors on XXXX XXXX, 2015. I received a text message indicating the closure. I have student loan with Genesis Lending Services and they will not discharge my loans. I feel that XXXX College is to pay back my loan to the company, after all XXXX is the one that broke the contract. This has caused great pain and suffering, because the reason I attended this college was to better myself in finding a job. Now after two years and three months, and only eight weeks to go, I do n't even have a degree now. I am not liable for this loan and will do what I have to do to get this discharged. I will seek information from an attorney about the steps I need to take. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On a recent credit report the following address was listed as mine : XXXX XXXX XXXX XXXX, XXXX, Maryland, XXXX. I do not, nor never have, owned this property. 

Company response: Company chooses not to provide a public response
Consumer complaint: When using the website free annual credit report - XXXX and Experian I was unable get a copy of my credit report - XXXX I was. I got an error and an XXXX number. Upon calling the number - they wanted to sell me a copy of the report. it was fully automated and no way to chose any other option or to talk to someone live. We need the free option to download this free from the internet - I think the company has conveniently has this broken so they can sell this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB : FYI - Here is my self explanatory follow-up letter to XXXX XXXX at Citibank for my case # XXXX regarding my Citi Card account. I would appreciate your follow-up with Citibank, as I still think their practices with seniors and others financially damaged by circumstances beyond their control are abusive and predatory. I removed my letterhead and signature along with my Citi account # before sending a copy of this letter to you. Feel free to share this information with those deemed appropriate and to add this letter to your database for complaints against Citi. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I discovered a past due balance on a XXXX credit card. I had no knowledge of any balance due. I have spoken to XXXX Bank and we do not agree on the situation. I paid my balance in full as far as I knew. I did not receive any notices of any kind from XXXX. After speaking to customer service there is no agreement to anything. They did not have a correct address and I never received an email. I would not have ignored a {$19.00} charge if I had been aware of it. I had paid the balance in full to my knowledge. NO XXXX listens. 

Company response: Company chooses not to provide a public response
Consumer complaint: I worked for the City of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. My credit report from XXXX Bank in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XXXX 2014 - XXXX 2014 through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the XXXX XXXX XXXX XXXX but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them. 

Company response: Company chooses not to provide a public response
Consumer complaint: BoA, after collecting {$680.00} for a credit check and appraisal, was unable to get underwriting approval for my refinance because my home is subject to a leasehold, aka ground rent. In XXXX, ground rent is public knowledge and is available online via a simple address lookup from the Land Records Office ( XXXX ) and Dept. of Assessments and Taxation ( XXXX ). Furthermore, I chose a loan officer in XXXX to avoid issues like this - ground rent is common in a few states that I know of : XXXX, XXXX, and XXXX. If BoA knows it can not close a loan on a property subject to a ground rent, then it should not accept money or string customers along. In this case, I applied XX/XX/XXXX and on that date, paid for the appraisal ( {$670.00} ) and credit report ( {$15.00} ) and was denied at the end of XX/XX/XXXX! XXXX help me if this cash out refinance was to help with medial bills or school and not home improvements - I would be XXXX feet deep or a drop out because of the negligence and possible fraud committed by BoA. I have contacted BoA regarding a refund for the appraisal and credit report several times via my contacts on this loan ( Retail Sales Manager, XXXX XXXX ; Mortgage Loan Coordinator, XXXX XXXX ; and Home Services Specialist XXXX, XXXX XXXX ). I have n't even begun to calculate damages for stringing me along for XXXX months. 

I was extremely disheartened yesterday when I learned that a fellow XXXX resident had the same thing happen to him. I have encouraged him to file a complaint as well. The bottom line is that BoA is unfit to do mortgages in XXXX. Plain and simple, no questions asked. We have XXXX cases of extreme negligence bordering on fraud. Cut BoA off from these deceitful practices in my state!!! 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not have Bank account. Rather, I use a prepaid debit card from XXXX XXXX that allows me to deposit checks by taking a photo with my phone. Recently, I tried to deposit a {$77.00} check from the U.S. Treasury for federal jury duty via this method. It was declined, and I was instructed to call Certegy check services. I did, and they said they ca n't tell me why they issued a recommendation to decline the check. They are rude, deceitful, and refused to share any kind of information that would explain why they consider a check from the U.S. Treasury a " risk ''. 

I am unable to do anything with this check since virtually all other check cashing stores, grocery store money service counters, etc. all use Certegy to verify checks. 

With just a little internet research, you 'll see that many, many complaints about Certegy have been logged, regarding the same type of poor customer service, dishonest behavior, and arbitrary decisions to decline perfectly good checks. It seems their only purpose is to make it exceedingly difficult to just cash checks. 

Company response: Company chooses not to provide a public response