AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My mortgage was with LOANCARE SERVICING from XXXX. I began a modification in 2014 where my payments were made on time and I should not have been reported late to the credit bureaus. I thought all was reported ok until recently I had my credit looked at as I am in the middle of purchasing a new home and indeed LOANCARE reported me late for those months. I was horrified and very angry when I saw this because multiple representatives told me this would not happen. this is quite the tarnish to leave on my credit and I am very unhappy as to why I was lied to and how this has affected my credit score and also my potential for getting a new mortgage. I have spoken to loan care a few times and they have been very unresponsive and not helpful at all. after hours and hours of calls when I finally spoke to someone they asked for a written request. I sent this is In XXXX of this year and still nothing. The months in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a credit card issued by XXXX Bank. I did not pay the debt and a judgment was placed on me. I paid in full the card in XX/XX/XXXX. I wrote dispute letters to the XXXX credit bureaus. XXXX deleted the judgment but the other XXXX credit bureaus did not respond. I would like this judgment deleted from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid to receive my credit report and score from the XXXX bureaus from the Transunion website. They charged me {$1.00} for setting up an account in order to view this information. I saw no warning or disclaimer saying I would have to cancel a subscription in 7 days or be charged a subscription fee of {$17.00}. After a week I was automatically charged {$17.00} for a subscription that I was unaware of. It 's abusive and deceptive practice to automatically charge someone 's credit card in this manner. There should have been a more clear option to sign up and pay for the subscription separately. Per the customer service representative, the disclosure was given when I gave them my credit card number initially, but this was not very clear. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested Experian submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Experian has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to Experian and Experian states it was verified by XXXX XXXX. Experian is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was volunteering overseas for several months, when I came back to the states I found that my account was past due. I contacted Sallie Mae inquiring about my repayment options, informing them that I 'm unemployed but trying to find money from relatives to help pay it off. I was also trying to help get access to my account online but they kept insisting that I have to talk to them and would n't help me access my account on the website so I could see my account information. As of this writing the representatives from Sallie Mae have told them there is no way to settle my account, and they did not help me get access to my account on the website. I feel as if they 're preventing me from accessing the information I need to make the best decision for paying my account off. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a XXXX XXXX credit card account that was charged off on or round XXXX 2010. XXXX XXXX has been reporting to all the credit reporting agency every month with a increased amounts every month. Since XXXX XXXX has stopped sending me monthly statements after the charge off date. I have no idea what these monthly charges that are being reported to the credit reporting agencies. I am assuming these are interest charges but without some sort of monthly statements how I am supposed to know if these amounts are correct. My point is that XXXX XXXX should be sending me monthly statements per the " Truth in Lendind Act '' if they intend on occurring interest on this old account every month. If they are unwilling to send me monthly statements this account should be deleted from my credit report for none compliance with federal laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: I scheduled a payment of {$1000.00} dollars using my XXXX XXXX Account, to Pay my Citi Credit Card. I scheduled the payment on XXXX XXXX, 2016, and my XXXX XXXX Account shows the payment was processed on XXXX XXXX, 2016. My Citi Credit Card has not ever shown the credit to the account. I have filed disputes with both XXXX and Citi. XXXX keeps telling me to provide their Confirmation #, Citi says that number is not correct, and that they need a XXXX digit Tracer number, XXXX says that they do not have a XXXX digit tracer number. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Citi has an internal record error about how a credit card was closed that they refuse to fix and refuse to approve my credit card application with a XXXX clean report and score. 

The annual fee had posted and did not see value to continue use of the card such that I called to cancel the card. I applied for a new card a couple years later and was told I ca n't because the previous account was closed due to delinquency, which is inaccurate. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing to you because I feel that I have been severely wronged by Wells Fargo. I had lost my job and was 2 months behind on my mortgage and doing my best not to miss another payment for fear of falling into foreclosure. I had also had to file bankruptcy due to my financial situation. One month I could not pay the mortgage until the XXXX of the month and the lender sent me a notice of pre-foreclosure and said they could not accept my payment because my file had fallen into pre-foreclosure. I tried for over a year to get the hardship assistance from Wells Fargo and they played constant games with me. They told me I had to be at least 3 months behind before they would review me for any assistance. They also kept switching customer relationship managers every month. I could never get the same person on the phone. Even though I sent paperwork multiple times they claimed they never received it. When I did get them to acknowledge that they received it, the next time I called in, the next rep would tell me they lost my paperwork. They also would tell me that certain documents were not received on time and made me apply and re-apply over and over again. Wells Fargo made this process very frustrating for me. I am a good person and believe in paying my debts, but the way Wells Fargo has treated me, I do n't think they want me to keep my home. I have a legitimate reason for hardship and my mortgage is 55 % of my gross monthly income. If Well Fargo would just do the right thing and lower my interest rate and payment from the 5.25 % adjustable loan I am in, then I would be able to afford my bills and the mortgage with money to spare. I think the real reason Wells Fargo is denying me is that they see that I have some equity in the home. From what I understand, this is not a valid reason to deny my hardship. I know that I meet all of the federal criteria. I just want to keep my home. Please help me get this resolved with Wells Fargo. I know they were fined a lot of money by the government last year specifically for playing the types of games they are playing with me, but I guess that fine was n't enough because they are still violating the agreement with the government. Please help me keep my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: well I feel like I have no choice but to file a complaint here when I attempt to log in online it says that account details are no longer available I 'm guessing this is because the account has been closed for well over 6 months now but because of that I can no longer send messages to you either that 's my first complaint you 're making it impossible for me to communicate with you the second complaint is about the XXXX dispute for {$400.00} which the transaction took place more than eight months ago it was disputed almost 8 months ago originally I provided all the tracking information the carrier confirms that the package was delivered to the proper address that belongs to the company there 's no proof otherwise that they have n't received it and now eight months later you are billing my credit card keeping in mind a credit card that 's not even open anymore and has n't been opened for almost 6 months I 'm not sure what you 're doing there XXXX butt if Citibank is made a mistake processing all of this that 's your mistake not mine I have provided proof that the merchandise was returned unless the merchant has provided proof that they did n't receive it which is far as I know they have n't provided any proof of that I 'm expecting a full refund you can discharge someone 's account 8 months later there are laws in place that you were breaking you are aware of this right? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Transunion was informed of incorrect reporting of student loan payment amount and current payment status. All loans are on forebereance. Loans are no on repayment. Transunion did not change the payment on loans. Loans are currently reporting a total of XXXX in monthly payments causing me to be denied other student loans. Some loans also have a zero balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern. XXXX XXXX XXXX has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact FREDERICK J. HANNA & ASSOCIATES, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX & gt ; 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While in college at a public university, and having scholarships, grants and small amounts of federal loans, my brother and sister died in a car accident, I moved home right after. I transferred and began taking my classes online, I took out some loans to cover this, My step-father and mother promised to help repay them. They just started a business and it was on its way to becoming profitable. My mom all the sudden and became very ill, she was the cosigner on my sallie mae debt ( about $ XXXX ). Sallie Mae harassed me after she died to pay the loans in full and I made full payments for a year or so, I was about a semester away from graduating with my XXXX but could not because of my mother 's death. Then my step-father fired me, took all of my mother 's estate ( I was unable to afford a lawyer at the time ) and kicked me out of his life, I was homeless for awhile and I managed to get a new job and pay as much as I could on my loans. Sallie mae is harassing me at my new work, and calling me all the time. Many times they are very rude and do n't offer me anything, one time they reduced my payment and said it would bring my account up-to-date and it has not. They lied to just get some money from me. I am struggling and every time I call - they are very rude. I wish I could change the situation and be able to pay. I am struggling. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was a co-signer with a son in law. Wells Fargo.on a car. 

Company response: Company chooses not to provide a public response
Consumer complaint: Elan Financial Services credit card Payment services website states " Payments with a Payment Date equal to todays date can not be modified or deleted after XXXX XXXX. CT. '' Yet a payment made at XXXX XXXX. CT. are considered late. When I called the supervisor informed me the cut off time is really XXXX XXXX. so cutoff at XXXX XXXX. is a false statement on their website and needs to be corrected as they are assessing a late fee at XXXX instead of XXXX pm. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I HAVE TWICE DISPUTED A CHARGE ON MY CREDIT CARD. THE CHARGE WAS FRAUDULENT BASED ON XXXX LAW. IT WAS A SCAM. BANK OF AMERICA SAID THE ONLY THING THEY COULD DO WAS FILE A BILLING DISPUTE, AND COULD DO NOTHING THAT INVOLVED LEGAL MATTERS. THE SECOND DISPUTE WENT TO ARBITRATION WHERE THE ARBITRATOR ( XXXX ) FOUND IN FAVOR OF THE MERCHANT. I FIND IT ABSURD THAT THE CARD ISSUER WOULD BE AN UNBIASED THIRD PARTY ARBITRATOR BECAUSE THEY GET A PERCENTAGE OF THE TRANSACTION. BANK OF AMERICA NEVER SAID XXXX WOULD BE THE ARBITRATOR. I FEEL THE WHOLE AFFAIR WAS HANDLED POORLY AND UNFAIRLY TOWARDS THE CONSUMER. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used a couple of times the world wallet services from Citibank but the last two times it has not being timely. Citibank claims that if you place the order before XXXX XXXX you get the foreign currency deliver the next day. Well, that is not true! I ordered some XXXX XXXX on Thursday XX/XX/XXXX and as of Monday XX/XX/XXXX at XXXX XXXX I have been able to obtain them. I went to the receiving branch in XXXX, XXXX on Friday XX/XX/XXXX around XXXX XXXX EST and the teller helping me, XXXX XXXX, mentioned that Corporate services told her that my name was too common and they had to do additional checks ( which I do not understand as I am a customer and they confirmed my identity through some questions ). She suggested to cancel the order and re-order so that I can changed the receiving branch as I was not going to be able to visit the XXXX branch the following week. So I did. She mentioned that even though the order was being placed after XXXX XX/XX/XXXX I was going to be able to receive my order on Monday XX/XX/XXXX after XXXX PM. Today I went to the new receiving branch at XXXX XXXX and they said that they had not received anything and that they will most probably receive it tomorrow as the order was placed on Friday after XXXX PM. At this point I am not quite sure if I will get the XXXX XXXX tomorrow and I will be traveling for business purposes on Wednesday. Last time I ordered I took Citibank two days to provide the currency. Their marketing does not seems to be real. I am very frustrated as I have been wasting time going to the branches and going through solutions that do not seem to work yet. They mentioned to call before going to the branch but in the XXXX branches I had to visit I called but they never answered. Citibank does not seem to care about customer service at least based on my experiences with this bank. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. 
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired! 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally Financial make incessant calls prior to late payment calling my parents, neighbors, relatives to the point of harassment also divulging personal information and threats. 
They will not relent. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: First Direct Lending LLC sends letter to my home with my mortgage information on a form designed to look like legal state form. One side says debt rate reform service with insurance information. Offering low interest refinancing. I never asked for this but they keep sending them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2014, XXXX XXXX XXXX, with Kinum, Inc., called me, he was abusive. He yelled, suggested I turn off a cell phone and get rid of it to pay the debt. I explained I did not own the phone, then XXXX XXXX hung up on me. 

XXXX XXXX did not use any foul language, but I spoke with the Chief Compliance XXXX XXXX XXXX the same day and filed a complaint. However, instead of taking any interest in the conduct of XXXX XXXX, the conversation quickly turned back to the debt. More then a year later I have not heard the result of this complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For spending {$4300.00} on appliances with a new best buy credit card I earned {$430.00} in rewards. Best buy has sent increments with different expiration dates sporadically, totaling {$330.00}. Now they claim they have no records of the remaining {$100.00} balance. I would have to provide a invoice of the purchase dating back to XXXX XXXX 2015. I have moved since and everything is packed in a box under storage. Best buy is trying all efforts to not pay me what is owed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: wells fargo took a deposit from me on XXXX/XXXX/16 to this date they still have not released my funds they have bounced XXXX checks, and charged me {$70.00} according to bank check was drawn on it cleared their account XXXX/XXXX/16 so wells fargo has had this money in their account for 10 days and have refused me access I have had an account with this bank for over 15 years no one from wells fargo is interested in helping me they need to be held accountable for this and I am sure many other banking transgressions 

Company response: Company chooses not to provide a public response
Consumer complaint: I had disputed the amount I owed to XXXX. The dispute was resolved in my favor. I asked Transunion to remove the " remark '' as it had a negative effect on my credit score. After contacting CFPB they finally did. Now the remark is back on my credit report, and my credit score has dropped again. So I need CFPB to AGAIN contact Transunion to have them remove the remark please. I hope that Transunion will get their act together. It is very frustrating and negatively affects how lenders may view me. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a call at work and my coworker answer she said there was a XXXX XXXX on the phone and that it was regarding an urgent family matter as soon as I got on the phone, this man said he was a case processor and said that there was XXXX complaints against me by the state of California and that if I would like to speak with an attorney to do so and he said it was regarding a payday loan that was unpaid and that they were going to sue me? He had also left a voicemail on my phone saying good luck to you in th next couple days. I found this very harassing 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I 've received a call from Sunrise Credit Services that I owe XXXX XXXX XXXX something dollars from a XXXX Credit Card that 's financed by XXXX Bank. I called XXXX Bank and told them that I did not have and never applied for a credit card from XXXX. I never received any billing statement regarding the charges on the alleged XXXX credit card. I requested proof of this alleged credit card debt but they said all information have been forwarded to Sunrise Credit Services and that I should contact this credit service. I called Sunrise Credit Services and spoke to XXXX XXXX and requested for the proof of the alleged credit card debt. She said she will send it through mail and should reach me within one week. Two weeks passed and I did not receive any. I followed up and was able to spoke to an associate of XXXX and again requested the information of the alleged credit card debt again. The lady said XXXX never put a note/request from XXXX Bank to send the proof of debt to me. The lady said she will put a request from XXXX Bank before she could send the proof of alleged credit card debt to be sent to me. I told the lady that the XXXX Bank said all information regarding the alleged credit card debt is now in their hand that 's why I was told to contact them. The lady said she still need to request XXXX Bank before she could send the information to me. I asked how long it will take before I receive the information and the lady said she can not give me a time frame for it. I told the lady that I am filing a complaint against them for harassing me for a debt that I do not owe. The lady then tried to refer me to XXXX XXXX Account XXXX which, when I asked, is also under XXXX Bank. I told the lady that I do n't think I will get a fair treatment from this organization since they are also under XXXX Bank. I told the lady that I am filing a complaint against them before the Consumer Financial Protection Bureau instead. 

Company response: Company chooses not to provide a public response