AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a My Best Buy credit card issued by Citi Bank, N.A. Last week, I noticed a {$13.00} charge for " XXXX XXXX Insurance Fee. '' I never signed up for XXXX XXXX Insurance and I 've been charged for it every month since XXXX XXXX, 2014. I called the My Best Buy Customer Service and told them that I never signed up for this service. I told them I wanted to cancel it and that I wanted a refund. Best Buy Customer Service cancelled the service, but refused to issue a refund. I never agreed to pay for this service, so I should n't have to pay for it. These unauthorized charges add up to {$140.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed with Experian and XXXX the reporting of late payments from XXXX XXXX XXXX. They are reporting me that I had late payments and I never did. They continue to say that their investigation is accurate. However, XXXX investigated and deleted the account as it was not accurate. I have sent to XXXX and Experian letters including a response from XXXX company to my request of records reflecting such late payments and they denied to produce record. That is a violation of XXXX and credit bureaus must remove negative information when the furnisher is in violation of FACTA. This letter was forwarded to XXXX and Experian and they still do not remove the negative and inacurrate information. I request that this be removed immediately as it is depriving me from obtaining a home loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo violated my mortgage no oral modification clause. XXXX. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Wells Fargo allowed a verbal change to my mortgage in strict violation of the mortgage and in contrary to Wells Fargo 's position in court AGAINST oral modifications. I have attached the original Notice stating the new payment beginning XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a {$500.00} gift card at XXXX VA. The transaction was approved and went through, but when I later tried to use the card, I found out the card was frozen. Someone had tried to use the card before I had bought it at the store. The {$500.00} was never loaded onto the card. I was asked to fax in information on XXXX XXXX, which I did. I was told someone would reach out to me, but nobody ever did. I finally called in and was told I needed to scan the receipt as well. I went ahead and did that. I 've called in every single day since, and they ca n't even confirm they 've received my fax. Still, nobody has reached out to me. It 's now past the 7-10 business days timeframe I was given. I just want a replacement {$500.00} gift card. I 've already had to pay the credit card charge and now I 'm in financial duress because of this company 's failure to respond in a timely manner to gift card fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a loan with Ally Bank for my automobile since XX/XX/XXXX. I have never had a 30 day late, and in XX/XX/XXXX the bank applied an incorrect posting on my account which I was not aware of, at this time we had a dispute with XXXX XXXX due to a program that was purchased when we bought our vehicle. The plan had included having Tires paid for up to a certain amount. When we went to utilize the plan we were told that they discontinued the plan but never notified the customers. We had been advised they could pay the additional amount of around XXXX some odd dollars to us directly for the inconvenience. We were not satisfied and we advise if we would of known this was going to occur we would not of wanted the plan, we did not agree that the funding of the loan should of been charged that additonal amount and be charged interest on that balance. When I saw the amount posted to the account I assumed that XXXX sent the amount straight to ALLY instead of us. I pay additonal amounts on my account every month. When I went to pay on the website the payments showed current, and I continued to monitor the website, I paid every month. The payment was removed from my account a while later causing the account to show delinquent. I was not aware, the website that I have made every payment to was not refreshed. This caused the payment to show being paid after 30 days, I was not notified on time and once I saw it was behind I paid the account current. This is causing them to report me for 3 months being over 30 days late which was caused by their website not being updated and giving me a clear paid to date. The account is never posted with the full amount and the extra funds that I send in does n't give me a clear picture of how they are applying my funds. I have never had an issue with this institution but thier not taking responsiblity for their misposting is causing me a lot of grief with my credit reporting. I maintain good standing on all my accounts. I believe due to this error my credit has been ruined and I am not in agreement with companies being able to such things to customers. I have tried to contact them and they continue to not take responsiblity. They respond with generic responses and will not look at the situation seriously. The customer always loses in these situations and we are not treated as individuals, this company already has my money so what do they have to lose. I want everyone to know what a horrible company this is and to never get a loan with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently noticed an entry on my credit report from " XXXX XXXX XXXX XXXX ''. On XX/XX/2015, I sent a certified letter requesting validation. I have n't received a valid response. On XX/XX/2015, I sent a letter to TransUnion, disputing this entry. TransUnion " Verified ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never live in XXXX new York or XXXX XXXX in XXXX mass I think some one using my information 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX repeatedly called me harrassing me about payment of my mortgage loan even after I repeatedly told them I was working to modify my loan. They called dozens and dozens of times and I understand that this is not allowed under current laws. They strung me along for over 3 years, repeatedly asking for more and more information to modify my loan. Then when it would seem to be nearing a point where loan would be modified, they sold the loan to another company, which told me I would need to start the process all over again with new and updated information. My loan is currently held by SLS Mortgage which raised my mortgage rate to 6.675 % with only one week notice. I am now unable to afford my mortgage and they have advised that I will suffer foreclosure if I can not pay my mortgage. I have exhausted all of my savings and sold everything I possibly can to continue to make mortgage payments in full and on time. In order to keep my home, I need immediate help to modify my loan to an affordable interest rate, and I do n't think this is too much to ask since rates are now aroung 3 % and they are charging me 6.675 %, clearly a predatory rate. I am a widow of a XXXX veteran. Never did I or my husband ever imagine I would be in this position at XXXX years of age. I am frustrated and fearful beyond imagination that I will lose my home. Please please help me in any way you can. Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX/XXXX/15 at XXXX. This is unacceptable. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I paid this debt almost a year ago and it is showing up on my credit report still. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Referring to my previous complaint case # XXXX I entered into a new contract with Citi with the same results of them failing to fulfill their obligations. I called Citi during the contract period three times to remind them of their obligations. They let the deadline pass without applying triple interest which was agreed upon. I can not be the only one that this fraudulent method is affecting. So one more time I would like an explanation of how these mistakes are continually made enriching Citibanks balance sheet and leaving some poor consumer like me never knowing they were swindled. Every time I called Citibank they were completely unaware of the promotion and monies due me. I 'm glad I kept the records for 90 days not everyone does. 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked my lender B B & T how to eliminate my monthly PMI payments and I followed all of there instructions and after getting the runaround for over 3 months they keep changing there guidelines, now they said I had to contact XXXX XXXX which I did and they said I qualified for the reduction and I had to go thru my lender and now B B & T has come up with something totally different 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit & Collections is continuing to attempt to collect on a bill that has already been paid. What they are reporting to on my credit reports is inaccurate and is causing me undue hardship. I have disputed this with them and they have not responded to my letters and I have called. There rep verifies that this account was indeed paid and tells me it will be removed. However, it is still being reported and when I dispute it with the credit reporting agency, the come back as it being correct. Please help!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are XXXX strikes against my Credit. XXXX of them being an old apartment complex that I was told would not be charging us for final rent as well as would be returning our deposit due to mold issues in both the apartments we lived in during the one year lease. 
The other mark on my credit is a medical bill that should have been taken care of by a work mans comp claim through the XXXX I used to work for. 
I attempted to dispute these marks through XXXX. I filled out the original account look up page info. Upon completing it they asked me question relating to " loans I took out '' such as mortgages and car loans. The questions asked what company I took the loans out from and how much my minimal payments were. The problem is I did n't take out any loans from any company nor do I have minimum payments of any kind for these non existent loans. I answered the questions with " none of the above '' since these loans did n't exist and the response back was that that did n't match the info they have. Now I am concerned that identity theft may be an issue on my report as well although I did not see any physical proof of such. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm XXXX months late. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX 2015, I requested a simple letter of consent from PennyMac for a resubdivision of property. I received a packet with instructions dated XXXX XXXX, 2015. I immediately sent in all the necessary information. Since then they have verbally told us the consent was okay with PennyMac, but will not draft a letter to that regard. They want our city to provide a form, which our city does not have. My city stated they only need a simple letter or even an email that PennyMac is not opposed to the subdivision. PennyMac said I could have a title company prepare the letter, but they would not accept what my title company would provide as they wanted it on the title company 's letterhead. Since the title company had no association with the transaction, they would not put it on their letterhead. I put PennyMac in direct contact with the title company, but they could not clearly direct them on what they needed as they have been unable to do for me, my city and even their own title company. After many conversations and many many many hours, PennyMac was going to have their title company prepare a document at our expense. But after a week, I was told their title company could not or would not prepare the document. Finally, after putting them in contact with my city planning and my own title company, my title company drafted the letter. Since then, XXXX XXXX, XXXX XXXX and XXXX XXXX last name unknown ) have not returned calls or emails. We are now almost XXXX months into the problem and without the solution. 
The entire time I was struggling to get a simple letter from PennyMac, they neglected to pay my flood and homeowners insurance and one house and I was left uninsured, despite several communications with PennyMac 's insurance department by both myself and my insurance agent. Additionally, they billed me incorrectly for my escrow and left me with a large unpaid balance that now must be made up for. 
PennyMac 's competence is sorely lacking along with their representative 's customer service skills leaving their customers without updates and not returning calls. Their customer service system is designed ti fail the customer. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Wells Fargo allowed a verbal change on XXXX XXXX, 2015, to my mortgage by XXXX XXXX. This change was processed in XXXX days as a new statement dated XXXX XXXX, 2015, was provided and attached. I contacted Wells Fargo upon receipt of the changed statement on XXXX XXXX, 2015, requesting reversion to the XXXX months for escrow shortage as required by my mortgage : XXXX. Funds for Escrow Items. I was told that my request would not be honored by Wells Fargo employee XXXX XXXX via letter. Per my XXXX complaint to cfpb, Wells Fargo accepted my requested resolution to revert to the mortgage terms, but used a random of date of XXXX/XXXX/2015 as the date of 'review '. XXXX XXXX 's request for XXXX months for escrow shortage repayment required no 'review ' by Wells Fargo XXXX Thereby, Wells Fargo deliberately delayed processing my request to adhere to the mortgage terms on XXXX/XXXX/2015 which would have allowed the XXXX day notice period of increase for a XXXX XXXX, 2015, payment increase. Wells Fargo has no standing or place in domestic situations and has banking rules and regulations that do not allow for discrimination or disparity in favor of one borrower over another. XXXX XXXX is not entitled to favorable consideration as a borrower over me ; the borrower whose income the mortgage is based on and paid by. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a text message from XXXXXXXXXXXX which stated " no subject / USBank-UrgentNotification.Call : XXXX XXXX XXXX XXXX ''. I called the number and it asked for my social security number right away after saying it was US Bank. I did not enter my social security number. Instead, I called US Bank directly and spoke with the card services department to see if there was anything suspicious going on with my debit card. I was asked the last time I used my debit card and how much I spent at a particular store. There was no fraud or holds on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with people from Knights adjustment in Utah about a debt owed to University XXXX Utah XXXX XXXX. 
They vioated FDCPA twice by1. Call at or around XXXX XXXX/XXXX/15 when i was speaking with XXXX XXXX XXXX XXXX when he didnt read a MM to me until after me asking to speak to a supervisor. I was then hung up on. 
2.Upon speaking to supervisor XXXX at or around XXXX when verally speaking to him.. XXXX read me a MM without confirming any of my personal information. 
XXXX. Avoiding talking to me upon several calls being ignored by them, and several calls being hung up on by them. 

Information was released without confirmation of whom they were speaking too, as well as the mini-miranda disclosure was not verbally stated upon initial oral contact after confirming my identity. 

Also the lack of respect, and communication from Knights adjustment to myself. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I been in bankruptcy since 2009 and this debit is XXXX years old and collection calls XXXX time a day 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: They never informed me I had a right to dispute. I requested verification of debt and never received it. They continue to call me and say they will continue to attempt to recover debt that can not be verified. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, I logged into US Bank 's website, and scheduled a payment for {$1700.00}, which is customary. The payment was scheduled to be delivered on XXXX/XXXX/2015, which is within my grace period. The bank XXXX the payment in the online form, which caused {$3400.00} to be debited from my checking account. I did n't pay close attention, and actually authorized the payment. The bank refunded the 'official ' late charge by using the one-time-life-of-loan-late-charge-forgiveness, but I still had to pay US Bank a {$20.00} return check charge, and an additional {$5.00} 'processing ' fee for making a payment XXXX days past the due date. In addition, I had to pay a {$29.00} insufficient check charge to my own bank. 
This month ( XXXX ), I again scheduled an on-line payment on XXXX ( today ), to be delivered on XXXX. This time, the bank did not XXXX the payment on the online form. 
I believe there is a flaw in the bank 's online payment system, but they refuse to acknowledge it and refund the {$54.00} fees. 
Additionally, they have started a practice of calling me and wanting to know when I am going to send my payment, even though I am still within my grace period. 

Company response: Company chooses not to provide a public response
Consumer complaint: After filing for modification and the bank denying me and not producing the evidence to back up that I did qualify. I have filed another modification and submitted all documents and pay-stubs, etc. I also make more money than during the modification. My attorney filed the paperwork in XXXX and we still have not got a response from the bank regarding the new modification. Lets see what their reason for denial will be now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to have my XXXX mortgage company Select Portfolio assist me with having my XXXX mortgage subordinate since XXXX 2015. My XXXX lien holder submitted the paper work on XXXX XXXX, 2015 I spoke with a agent of Select Portfolio who indicated the paperwork was received and would take five days for review. I was informed by a agent of Select Portfolio on XXXX XXXX that my case was closed out because we fell to send them paperwork that was requested. ( Here is the problem ) The same day that Select Portfolio request this information they updated the notes in my file stating what paper work is needed they then close out the request without me or my XXXX lien holder ever receiving the information. I am assigned a case manager XXXX XXXX but as of this writing I have never spoken with her, she has never contacted me and my request to speak to her have been denied. On XXXX XXXX, 2015 after speaking with XXXX XXXX in the ombudsman department she attempted to assist me by having me send all of the requested documents to her directly and she would walk my paperwork over to the supervisor of the subordination department. On XXXX XXXX, 2015 I spoke with XXXX XXXX who informed me all the documentation was received and delivered to the Subornation Team and again it would take them five days to review. I contacted Select Portfolio on XXXX XXXX, 2015 to find out again my request was closed do to paperwork being requested by me. Again I was never contacted by any agent of select portfolio nor was my mortgage company notified. At this point, I have no choice but to believe Select Portfolio has any interest in helping us with the modification of our first mortgage. If this modification is granted we will see a {$500.00} dollar deduction in our first mortgage which will have no adverse effect on my payment obligation with Select Portfolio. However I will not be able to succeed in making this happen because Select Portfilo ( XXXX lien holder ) has to sign off on the agreement in order for this to happen. I am seeking to make a complaint against the company for above matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX sent me a letter stating that they were reporting inaccurate information and would send an update to modify my credit file. XXXX XXXX stated, " XXXX XXXX made the business decision to remove the account. There will be no further collection activity, creditreporting or sale of this account. In addition, the XXXX credit reporting agencies havebeen notified to delete all reference to the account in question from your consumer creditfiles ''. 

Company response: Company chooses not to provide a public response