AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I bought my house in the nineties from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX. US Bank is n't communicating with me as set out in the XXXX mortgage rules. 

According to the XXXX mortgage rules, mortgage servicers are required to send borrowers a clear monthly statement. I asked them to send me my statement for Loan # XXXX monthly to my address above. They refused. 

I also sent them a certified letter on XXXX XXXX asking them the same thing, along with a copy of my deed, which is recorded at the court house and is a matter of public record, showing that I hold title to the house they hold the mortgage on. 

It 's well past the time they should have responded back that they received my letter and that they will properly communicate with me in the future. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi sent me at least XXXX mailing offers for an XXXX XXXX credit card with XXXX to XXXX bonus miles. I finally decided to sign up for one. During activation, the bonus miles were never mentioned so I called their customer service, who told me that I was not eligible for the promotion. I asked them why that was, given the fact that they sent me XXXX mailings about the offer to my home, which included a specific invitation number and my XXXX information. Customer service just replied " That is from marketing, not our issue. '' I was disgusted and canceled my card on the spot. Customer service was indignant and stated that " Citi is the largest bank in the world so we are always marketing ourselves. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt collector continuous send out late, time sensitive documents that look like junk mail, unsolicited adverting and some of this mail to my current address had no return address. I am not sure the how they sent the alleged collect documents in the pass however I was not notified of this debt till years after the court proceedings against me. This company levied my student financial aid. Although the company no that the levied fund are exempt they refuse to return them. This company forced my student college fund closed at XXXX Bank. Their caused me to fail classed and force me to drop out of school. This company has extorted money from my college fund that was from a inmate trust account check that did not belong to me. this company financial bulling has cause me to fall XXXX. I also am still considered a student however I can not return to school with this company beating me up financial where I can afford food, books, tuition and the necessaries a student would need to do well. I believe that I do not owe this debt because there was activity on the card on a date I was in another state where my purse was snatched off my arm and i had to have new car keys made, purchase cell phone. I also stayed at the hotel because it happen on the property the manage comp me a room and I used cash to stay a few more nights to help look for the assailant. I work with XXXX would have record of that. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Wells Fargo in XXXX XXXX, GA opened a credit card in my name without my permission or consent. The banker never spoke to me about a credit card nor did I ask about a credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I went to get gas and the card declined so I was never able to get gas at all. I called the card company and they could not find a reason as to why it declined but proceeded to tell me telhey will be holding all of the money I have on the card. It 's been 9 days and they still have n't released my money. Not only that but they said it would be another 5 days before it is released. This has caused a huge problem and is a huge inconvenience. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX 2011 we sent certified letters to Ally Financial to dispute the end of lease charges via certified mail, which have never been answered to date. Since Ally never answered we decided to make the payment as the company said it would be charged off and sent to collections plus also place a negative file on my credit. 
The amount was paid in full and they still place a negative mark on my credit report. The 39 monthly payments have all been made timely, all extra charges at lease end were disputed as it is my right. 
for your help with this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, XXXX XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with Citibank XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called Citibank years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to Citibank they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage Servicing Company, Shellpoint Mortgage Servicing, made a mistake when it paid my insurance renewal premium not once but twice in XX/XX/XXXX. It paid the insurance premium from the loan for the property to be insured and again from my other property 's loan ( which was already insured with a different insurance company and was not due for renewal until XX/XX/XXXX ). Then Shellpoint did an escrow analysis for XXXX properties based on the incorrect information generated by its own mistake and increased our mortgage payment for XXXX properties by nearly $ XXXX/mo total. When the insurance company refunded the overpayment, Shellpoint credited the wrong account. Despite my efforts to sort this out by phone on XXXX different occasions, nothing has been done to remedy the situation. I am just getting the runaround. No one ever does what they tell me they are going to do. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: The personal identities of my wife and I, which we had entered on our rental application to the XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, including our names, birth dates and social security numbers and other confidential personal information, have been fraudulently misused by the XXXX. For example, the XXXX secretly took money from my wife 's XXXX bank account. This unauthorized charge was accidently discovered when reviewing another transaction. After conducting a full investigation, the XXXX bank fraud investigators concluded that this was financial fraud, unauthorized charge, theft, etc. and reinstated the full amount that the XXXX had unlawfully taken out of my wife 's bank account. Undeterred, the XXXX has proceeded to report the same fraud amount as late, unpaid charges to the credit agencies against my identity using my personal identity and credit information. Worse, the XXXX collection agency '' FCO, had the gall to call and ask us to send them a " small nominal fee '' in order to make our banking and credit nightmares that they are unlawfully creating against us to disappear. 

Company response: Company chooses not to provide a public response
Consumer complaint: Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an account with Kay Jewelers and it was discharged through chapter XXXX bankruptcy in XXXX XXXX. On my XXXX dispute it continues to show a late payment for every month starting XXXX XXXX - XXXX XXXX. This is completely inaccurate considering I was in active bankruptcy from XXXX XXXX - XXXX XXXX. I have disputed these late payments with XXXX and the creditor both with no resolution so I am now submitting a complaint with your office. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear Sir 's or Madam : ( XX/XX/XXXX ) Several Months ago I received a letter from, Wells Fargo Home Mortgage, that I qualify for a rate reduction on my 6 % {$50000.00} Outstanding Mortgage of {$50000.00}, which I obtained from Wachovia Bank several years ago on my Co-Op Apartment, ( XXXX Bedroom/XXXX Bath's/etc ) ... 
I went to my local Branch Office of Wells-Fargo, and filled out papers asking for an Option to reduce my interest payments from 6 % to under 2.6 % on my outstanding mortgage andduring my several visits to different Wells-Fargo branches throughout XXXX, N.Y., I asked for information regarding my request to reduce the interest payments, which wouldhave saved me enough interest, to start paying down my principle ... 

Too make a long story short, nothing has happened, and every month that went by Iasked them for a decision ... When will Wells-Fargo reduce my interest of my Loan # XXXX, outstanding {$50000.00} Morgtgage Loan Originally from Wachovia Bank? 
I also complained, that I was now constantly being called by several money-lender 's whoare offering me to " Refinance '' my mortgage and frankly I honestly believe that my namewas given to these money-lender 's by the people at Wells-Fargo and I generally just hangup and tell them that I am not interested in refinancing at their rate of 3.6 % + fee 's, etc. 
In my opinion, after having received, several letter 's, from : a XXXX XXXX XXXX, Executive Mortgage Specialist, Customer Care and Recovery Group, XXXX Ext. XXXX, telling me that my " concerns '' are very important to Wells-Fargo, and promising that theywill provide me an update on their research into my inquiry ... which is nothing but a ploy topush me into XX/XX/XXXX which will end my right 's to ask for a interest reduction of 6 % to under 2.6 % that was originally made available for, XXXX Citizen 's such as my self, with a good credit rating, who also happens to be an XXXX XXXX XXXX Veteran, thatsimply wanted to take advantage of this benefit that will expire shortly ... .this disruptivebehavior, on the part of attempting to continue extorting 6 % interest, and not making alogical decision to get into compliance with The Consumer Finance Rules and Regulations in regards to aiding and assisting, " XXXX Citizens and Veterans '', to afford their homes, is one of the reasons that there are so many " Homeless Citizens and Veterans '' in our great nation ... In addition, I think it 's criminal that they are obviously in league with severalmoney lenders, for their own selfish reasons, to give our names for refinancing with XXXX XXXX, etc. etc. 

Please file this complaint with your grievance-department post haste, in order to grand-father, this request of a mortgage interest reduction, that they merged out of XXXX Bank, and have figured out a way to sell off all inquiries that are not profitable totheir continued plunder ... Please AdviseSincerely, XXXX " XXXX '' XXXX ( XXXX Citizen/Veteran XXXX ) XXXX XXXX XXXX, XXXX . XXXX, New York XXXXTele : XXXX Cell : XXXXE-mail : XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The merchant XXXX/ XXXX XXXX charge {$3400.00}, $ XXXX monthly and {$9500.00} to XXXX different credit cards of Bank of America ( accounts ending numbers XXXX and XXXX ) I presented disputes regarding all this charges because this merchant is a fraud and have not fulfill the contract stating verbal promises and emails that are n't true. I send different letters to Bank of America explaining with documents and emails that sustained my claim. Bank of America credited {$9500.00} and I closed the account. Nevertheless, Bank of America refused to credit the charge of {$3400.00} and this merchant is still charging $ XXXX monthly to an account that I cancelled. I want the full credit back because this company had breech the contract and is offering me a whole different one and Ive been a victim of a fraud. I do n't want Bank of America to process or let XXXX made future charges of {$150.00} to my cancelled credit card account which ends in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cashed a convenience check linked to my US Bank XXXX XXXX XXXX XXXX XXXX XXXX. After depositing the check I changed my autopay setting from pay full balance to pay the minimum balance. The autopay setting does not change for 30 days and I was charged a fee even though I had payed the minimum balance. US Bank 's convenience checks create a catch-22 for customers who are enrolled in autopay where either the balance of the recently cashed check is payed in full or a fee is charged ( due to not having sufficient funds in the account ). Essentially, someone at US Bank with autopay is cashing a convenience check that will be immediately payed back to US Bank in full if they have the autopay setting selected. 

Company response: Company chooses not to provide a public response
Consumer complaint: After making a deposit like i have always done ; at the ATM machine ; the bank Wellsfargo ; without my knowledge removed my deposit on XXXX XXXX, 2015 from my account and held onto the deposit which was XXXX checks ; for over 16 days and then after receiving the checks they wont take checks for deposit they only want cash ; and still they refused to deposit and they cause over draft fee 's for profit ; still refusing to let me deposit any checks ; there was no hold status or anything wrong with the deposit ; i receive my notifications normally electronically online they failed to do that - period. When they i went into the bank they lied about sending notification i never received one. they lied about the XXXX checks turning them into these yellow copies stating " Original " XXXX and now no one will have anything to do with these checks. The checks are good I verified this, Wells Fargo did process this by turning them into yellow ; lied about the where-abouts of checks i deposited them on XX/XX/2015 at XXXX XXXX. when i received checks after 16 days i see a stamp dated for XXXX XXXX, 2015 and in yellow. so i want to know where the checks were from XXXX XXXX, 2015 until 16 days later, XXXX phone calls and in person. If the deposits were done properly i would not of had XXXX overdraft fee - period now i have XXXX approximately debt they created for profit when wellsfargo refused to do their job or do customer service as a financial institute called a bank ; they went to extreme measures in order to do this fraud and other crimes against myself, my family, my life. This is on a personal account, i signed the checks as required prior to the deposit look at checks. Now I am stuck with checks and wells fargo has not done what the contract agreement signed by both myself and wellsfargo intentionally lying in writing document i have attached., twisting banking rules and taking out of context ; as written by them their policy 's doing business as a bank. I am seeking an attorney if needed when i should be able to reason with wellsfargo due to what they have fraudulently done in regards to my account ; creating overdraft fees for no reason.then stealing monies that Wells Fargo had no authority to act on or profit from - period. My family has and is suffering if you can imagine and more. 

Company response: Company chooses not to provide a public response
Consumer complaint: I became behind on my mortgage payments due to loss of income in the home. In XXXX 2015 I met with and discussed my options with a foreclosure program for my area. I filed the borrower response package to my mortgage lender per the suggestion of the the foreclosure prevention program. I received notice in mid XXXX that in order to process the loan modification request they needed more verification 's, I sent in the requested verification 's via fax. I had n't been sent a decision of my request but found out on XXXX XXXX, 2015 that my home had been sold at a sheriff 's sale on XXXX the XXXX. I have researched what I did wrong and other than falling behind on my payments I followed the procedures that I was supposed to to prevent the sale of my property. Once the request for loan modification/ partial forbearance of my FHA issued loan the foreclosure process should have been suspended until they fully processed the request. I also was not given a chance to appeal their supposed denial of my request because I did n't receive the denial. According to the law I was n't given the opportunity to save my home like I should have been able to. Since the request for loan modification I have been setting aside what would have been my loan payments in good faith that my situation would be given the consideration that it is supposed to under the law. I would like assistance to get the sale overturned and the full opportunity to save my home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Citi MasterCard credit card. I have no issues paying the full amount due ( and I charge most purchases on this credit card during the month, rather than use a debit card, just for safety 's sake ) each month. However the last several months I have noticed a problem with a practice they are starting to use. My payment is due on the XXXX of the month, so I generally pay as close to that date/time as possible, to include as many of my charges as possible. Lately ( last five months ) towards the end of my cycle, many of the items I have charged are held in a pending status much longer ( 2-5 days ) than they are at the beginning of my cycle. Citi will not allow me to pay any pending amounts online, and does not include them on mailed statements -- so I have no way to pay them. When I make my payment ... a miracle happens, and all the pending amounts changed to due AFTER the end of my cycle, with no chance for me to make a second, catch-all payment ... so, they charge me interest. This seems deliberate, and simply aimed at being able to charge me interest ( as normally, they would have no unpaid amounts to charge it on ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently initiated new telephone service. Ever since then, I have been receiving a continuous stream of harassing phone calls about a debt that clearly belongs to whoever had the number before me. I tried calling the company and explaining their mistake but the phone calls have continued. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I opened a business account with bank of America on XXXX XXXX.I received a approval email on XXXX XXXX. I went in to make a deposit on XXXX XXXX and to my surprise my account was closed without reason. I never made any deposits, withdrawals or completed any debit card transaction. so now ill will have a ews " account abuse entry '' on my report and it will damage my business reputation and make it very difficult to obtain a new business account. I would like a explination of why my account was closed for now apparent reason 

Company response: Company chooses not to provide a public response
Consumer complaint: During the mortgage loan application for my house ( first time buying a home ), the Loan Officer at Golden Empire Mortgage, XXXX XXXX, promised me to exclude the loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents by the notary, and was told that XXXX was going to go over all the details with me later the same day. Nobody disclosed to me that I would have 3 days to go over all the details, and that I had the right to cancel the loan if there was anything wrong with it. When I realized that the fee of {$2400.00} was not removed, and I asked XXXX XXXX about it, this was her response : " Oh shoot, I forgot.. do you want me to redo the whole loan, which will take another 30 days or so? ". Again at any moment she told me that I had 3 days from the day I signed the loan papers to either cancel or adjust any discrepancy. I was really disappointed with the dishonesty and the lack of respect to me as a consumer/client. If I knew I had 3 days to go over the details of the loan and fix any errors or discrepancy in any money amount, I would have totally argue/fight to have that amount adjusted/removed from the loan. I thought that once the papers were signed that was it I could not go back or fix anything. I could not redo the whole loan, as she suggested and wait another 30 days because I had already given the 30 days notice to my previous landlord, so I had to move into the new home within the next couple of weeks. I will never ever recommend GEM mortgage to anyone, especially this particular loan officer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 me and my wife closed on a refinanced loan with Majestic home loans ( which is now serviced by XXXX ) which agreed that my mortgage payment which was at the time XXXX monthly an owned by nation star mortgage would be lowered to XXXX monthly if we agreed to a refinance offer with there company because of the change in lower fha mortgage insurance rates and requirements.. We did agreed and signed documents to cloan our new loan. On Friday XX/XX/2015 we received a letter in the mail dated XXXX/XXXX/2015 thats states " At the time of closing your loan, your taxes were calculated on the land valude only instead of the entire property ''. For that error majestic home loans stated that our monthly mortgage payment will increase from XXXX monthly to XXXX. So now we are paying more for a mortgage than we were initially paying for our original mortgage which i think is totally wrong and we certainly would not have agreed to this had we know this would be this issue. We even had other offers and GFE 's from different lenders but chose to go with majestic home loans. I think this was very deceitful on there part and most likely fudged numbers to get our business. Instead of saving money we are now having to spend more money which is not right. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company