AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XX/XX/2016 at XXXX XXXX. I received a call from Capital Accounts Collection Agency. After already making a payment with the gentleman over the phone to set up a payment plan he wanted to put it on auto pay every month. I advised I did not like auto pay and would make the payment online or over the phone every month. He kept questioning why I did not like auto pay and saying it would still be sent to my credit report and no payment plan could be set up if I did not enroll in the auto pay. I told him I just did n't like it. I did n't feel I needed to explain my personal reasons to him since he had been badgering me the whole phone call. He then said " well people do n't like when you do n't pay them for 7 months ''. At that point I was so surprised I said " I do n't care '' and he said " clearly ''. I had previously explained in the phone conversation that I was unemployed ( due to my office closing down ) and that 's why I have n't been able to take care of this bill. After hanging up the phone with him I then called back and spoke with a very nice representative who thoroughly explained everything to me and at that point we did get the payment plan and auto pay set up. She was very understanding and made me feel completely comfortable setting everything up. The statements made by the previous representative were complete uncalled for. If he did n't act in the manner he had we could have accomplished all of that in the first phone call but he just kept pressuring me to use my credit cards for a larger payment and threatening to send all the information to my credit report when I was hesitating to make a payment. He did not try to be understanding or work with me in any way. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: in the process of purchasing a property in XXXX XXXX, Ca on XXXX XXXX XXXX XXXX XXXX the buyer 's son received a wire instructions from someone pretending to be the escrow company with the account # XXXX at XXXX XXXX XXXX with the address XXXX XXXX XXXX, NY XXXX the wire was send from XXXX XXXX Bank in XXXX, Ca, I did call up XXXX XXXX XXXX and asked if they can place a hold on the funds that I sent and they told me that for privacy they could not do anything, the transfer money was XXXX ( XXXX XXXX XXXX dollars ), I have reported this to the police and XXXX XXXX Bank had requested at least XXXX times for the money to be send back to XXXX XXXX 's account at XXXX XXXX Bank so far no response I am attaching the copies of the wire instructions and the wire transfer and confirmation together with XXXX other wire instructions the first XXXX for XXXX is real the other XXXX are created by the person who owns the account at XXXX XXXX XXXX, please help, I just learned that the person who did the scam took the money out, that is what XXXX XXXX Bank just inform us is XXXX XXXX XXXX responsible for it clients? how we as consumers are protected? is this a case for FDIC to cover the loss? 
Please help 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I was supposed to receive my closing documents from Bank of America to review at least 3 days prior to closing. I made numerous attempts to get these from the bank and my requests went unanswered. I contacted the closing company and found that their documents had been " approved '' by the bank, but I had no idea if they were accurate. The closing company sent mine to me so I could get the cashiers check for closing. No one from the bank ever reviewed the documents with me even after more requests. I did receive the documents the day after closing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested both Navy Federal Credit Union and XXXX XXXX to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I lost my job XX/XX/XXXX and asked my mortgage company to extend my loan one month so that I can stop having to pay them {$37.00} in delinquent fees like I have been doing since XX/XX/XXXX because I get my social security check on the last week of every month. The note is due on the first, but since I fell delinquent XX/XX/XXXX due to my job loss and my social security checks did n't start coming in until XX/XX/XXXX ; I called Standard Mortgage asking them to help me catch up. They said no just like they have done since I opened the mortgage loan with them in XX/XX/XXXX. I can understand them not helping me before when I was working and just had minor problems, but this is a very serious issue because I am forced now to pay the {$37.00} late fee to keep my loan from becoming default. As of today, XX/XX/XXXX I can not make my mortgage payment because I had to use the only money I have to pay for my filing of Chapter XXXX Bankruptcy. As of tomorrow I will be in default on my mortgage simply because Standard Mortgage refuses to help me by restructuring my loan to where I can be current on my payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went through a loan modification with Wells Fargo, they stated to me that for me to get this loan modification I need to not submit mortgage payments, and I told them that I want to continue to submit mortgage payments because I did not want the missed payments to affect my credit score. They assured me that it would have no affect to my credit score and that because I was being qualified to receive a loan modification I was safe and nothing will be reported to the Credit Bureaus. Now I have 5 delinquent payments on behalf of Wells Fargo showing up on my credit score and I will like them to be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of Stellar Recovery, inc. attempt to collect a debt. This alone violated my rights. 

Stellar Recovery, inc. contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights. 

Furthermore ; The agent for this collection group XXXX XXXX XXXX XXXX stated they attempted to call me but the original vendor had given them the wrong telephone number for me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted in XXXX by Southwest Credit Systems for a debt owed to XXXX XXXX XXXX. I finished paying the debt in XXXX of XXXX, and as of today XXXX XXXX XXXX has not received the payment from the third-party debt collectors, and Southwest Credit Systems claims they sent the money to XXXX XXXX XXXX. Neither company can tell me where the money is. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I signed up for a Citibank XXXX Card where they promised me {$350.00} If I spent {$2000.00} within the first three months. I did that and they only gave me {$150.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The Western Union Netspend card is only XXXX of XXXX prepaid cards I use to pay bills and receive deposits. This year I decided to apply my tax return ( both STATE & FEDERAL ) not knowing the amount of hidden fees that was attached to this card. I learned there is a {$720.00} daily ATM limit, however ; there is a cut off of $ XXXX {$300.00} per ATM withdrawal. Each ATM withdrawal has a {$2.00} fee attached. There is not option to increase your limit to illuminate the fees. I signed up for a monthly plan fee thinking it would save money but the card makes the money back once I make a withdrawal. I have attached a spreadsheet of the fees since XXXX ( {$290.00} ). 
If statements are needed I will be more than happy to fax them to you. These cards are only a setup to KEEP struggling consumers in a hole that is ALREADY TOO BIG!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I found a problem on my report and asked for an investigation of the charges. They said I could n't use the report number I had because of security issues. I asked for my annual report and they said I had received it. Yet they refused to let me use the number because they have been upgrading security issues they have experienced. Can you please help me get a report with a number they can use? 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a U.S. airways credit card about a year and a half ago. 

1. I never received my original card. I never activated my original card. I forgot I ordered the card because I never received it or activated it. 

2. I received an overdue bill for the credit card. I accrued a late payment charge because the card had an activation fee of around {$100.00} dollars, and thus started with a balance. 

3. Upon receiving the overdue account notice, I immediately called Customer Support, and told them I never received the card. I pay the orginal {$100.00} activation fee to clear the balance. They sent me out a replacement card, and I was assured that the late fee would be reversed. 

4. I receive my card in the mail in the mail and decide not to use it because of the poor experience. 

5. A few months later, I check my mail and find another late fee on the account. It turns out they never reversed the original late charge! I now realize, I have been racking up late payments for a credit card that I never even activated, and had spent {$100.00} out of pocket for the privilege. 

6. I call customer support for a second time I document the customer support call record this time : & lt ; NUMBER & gt ; They apologize profusely and tell me they 've successfully reversed the charges. I have her check the credit bureau to see if this dinged my credit history. She insisted that she talked to her team member and fixed my credit, by retracting their report. 

7. I check my old e-mail account and see ANOTER LATE PAYMENT e-mail buried in my inbox. This could have was from a 'Barclays card ' which, apparently, my old U.S. Airways card had magically turned into. 

8. I am livid, I escalate this request and reference the customer number, I am connected with a senior specialst and I stay on the line with her while she reverses is all of the charges. She is astounded when she finds out that these late payments were generated by an account balance of XXXX cents. How that XXXX cents got there, I have no idea, because I was told that all charges were reversed and there was a XXXX balance. She is angry that one of her customers has to deal with this, and is confused as to how or why the XXXX cents was in my account as I had a zero balance after the last horrible experience. 

9. The customer service agent reverses each charge one by one and closes my account. I think I 've finally resolved it. 
10. Now, months later, I check my e-mail and see ANOTHER LATE CHARGE NOTIFICATION FROM them. I have lost, time, money, and maybe even my credit score. 

11. This is my story. I posted this to the Consumer Protection Bureau and social media so the public may be aware of the abhorrent business practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: Plaza Home Mortgage , Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ) used to service our loan before it was transferred to the XXXX XXXX XX/XX/XXXX. Now, Plaza Home Mortgage refuses to provide an IRS Tax Form XXXX ( XXXX ) for XX/XX/XXXX to us. I called Plaza Mortgage XX/XX/XXXX and was told that all forms were mailed by XX/XX/XXXX. We received nothing. On XX/XX/XXXX I sent Plaza Mortgage Customer Service an official request for the Form XXXX via email. Today is XX/XX/XXXX and we have not yet received the XXXX tax form. Plaza Mortgage failed to respond to my written request. As a result, we are unable to complete our tax return paperwork. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Today I received in the XXXX Mail my " TransUnion '' credit report dated " XXXX/XXXX/2016. '' Under the section entitled " Addresses Reported '' it has currently living at : " XXXX XXXX XXXX ; XXXX, CA ; XXXX. '' I am the victim of Identity Theft. I had previously called " TransUnion '' to ask them to please " Delete '' this fake " XXXX XXXX XXXX ; XXXX, CA ; XXXX '' off from my " TransUnion '' credit file and they wanted to " pay them '' first to do so! I have lived in XXXX, California for the XXXX consecutive years. I do n't even know " XXXX, California '' is even located at. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I have our mortgage through TCF Bank. Five years ago, we were offered a low interest payment, which would end in a balloon payment of {$160000.00}, due XX/XX/XXXX. They were never clear about what would happen on the balloon date, as we would not have that much money. Finally, they offered a reasonable new loan, effective XX/XX/XXXX Now, just one day before XX/XX/XXXX, we were told that our loan is on hold. I relied on their promises in good faith ; now, I fear they are trying to somehow trick us into a foreclosure. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'd like to dispute all of the credit inquiries on XXXX my Transunion report and my XXXX report. I have XXXX on Transunion and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: Freedom Mortgage cashed my XXXX 2015 check, yet did n't apply it to my loan account. I then received a letter in the mail saying the XXXX payment was late. I called them saying the check cleared my bank on XXXX XXXX. They had no record and I was to send them in the mail a copy of my check being deposited by them. A week after I sent in the check i was called from them bill collecting. I explained my issue, they lady saw my check was received but just sitting on my account. She was going to have to open a ticket to get it applied and assured me it would be applied on XXXX XXXX of when they got my check originally. I called today XXXX XXXX and they applied my XXXX payment on XXXX XXXX! Just got off the phone and now it is going to another XXXX departments to get it applied on the correct date. Very frustrated as I have done nothing wrong yet these people are screwing with my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America claims I am past due when I am set up on recurring payments. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Received the very first and only phone call from Ditech ( XXXX ) regarding my mortgage. I was recently denied a loan modification. This after 7 months of trying to obtain one, and not one verbal request or question by Ditech. I asked if I could make payment arrangements for the past dues, was informed that my home was placed in foreclosure on XXXX/XXXX/16. I was never notified by them. I was also told as per their legal dept that this was the only call XXXX was allowed to make. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a Citi Double Cash cardholder and am completely frustrated with Citi, as they have begun holding my payments for up to 10 days for verification before they reinstate my credit availability on the card. We obtained the card last fall and have always paid the card balance in full every month ( sometimes multiple payments per month to keep the balance from growing ). We make our payments electronically, via the Citi website, debiting our checking account at XXXX. The first several months we had the card, Citi would reinstate our credit availability on the card immediately following the initiation of the payment. Due to the velocity of our recent payments, Citi has begun to implement the " hold for verification '' on our payments, not reinstating our credit limit, even after the payment has cleared my XXXX account. I could understand a 24 hour, even maybe a 48 hour hold to be sure the ACH debit has cleared and funds are received, but knowing the funds have been transferred to Citi and having them hold them for " verification '' is completely dishonest and misleading. In speaking with a Citi customer service supervisor today, she alluded to the fact that when customers increase the velocity of their payments, thus obtaining the 1 % cash back reward quicker, Citi decides to exercise this practice of holding the payments. There is nothing in the Cardmember Agreement about making too many payments or the ability of Citi to hold payments for verification. Citi is being deceptive in its marketing of the Cash Back Card and its benefits and the " hold for verification '' practice is unethical and wrong. 
Any assistance you can provide in helping me cause Citi to end its deceptive practices would be greatly appreciated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My complaint is against Bank of America. I have had a account with them since XXXX, we started in XXXX with a local bank, XXXX, Nations Bank bought them and Bank of America bought Nations. I started to use my debit card & found the account was frozen, I called for the reason & after being on hold and XXXX or XXXX different people they said reason was they needed more information and gave me a number to call Monday. I waited about XXXX hrs and called the same XXXX number again & told them I wanted to talk to their supervisor, after XXXX more people I finally got him. He said the reason it was frozen was they had sent out a letter with about XXXX questions on it & it had not been returned. I told him I had never gotten it He said anything that important should have been sent Registered Mail. I ask what the letter was about he said about maybe XXXX questions, I ask what they were & he said the following : What Country was you born in. was you a US Citizen & where were you living now also the main source of your income, the way the country was now they needed this up-dated.I said you mean they froze my account for this. They could check this as most all of our checks are direct deposit Our total income is {$XXXX} less taxes .Income derived from pensions, farm land rent, Bank of America dividened shares which we inherited. Our balance in bank now is {$1700.00} and I need to pay my monthly bills. He gave me a number to call Monday & I would Fax information & maybe it could be released by Wednesday. I would think this would be illegal & certainly not fair, I am XXXX & my husband is XXXX and certainly not a XXXX. They had to word it as up date information to keep them legal. Then last week I checked my account & I had wrote a check for {$240.00} ch # XXXX to XXXX for my Mothers care, the next entry was ch # XXXX for {$4200.00} to XXXX, and it came bac Insufficient funds but they put that back in there & said was a computer glitch, then they charged me {$35.00} for in sufficient funds, I called again told them off since this was not my fault so they took this off. I think they are out for everything they can get. They were so crocked & XXXX XXXX so greedy they got themselves in this position and the rest of us are paying for this, Our Bank stock income was around {$XXXX} per year & now XXXX cent per share. We are now in the process of selling bank stock for something to make us more money and changing banks, they wo n't miss us we are to small but if enough did they would realize it. When proxy fight was for XXXX to keep both positions they called us to see if we would vote for that, which we did but it looks like they just try to keep themselves under the legal radar. Totally fed up with them & disappointed please help me I need our money it is ours & to keep them from doing this to anyone else. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, my name is XXXX XXXX ; i am a widow who semi-retired XXXX. I live in XXXX. The Franklin Credit Management bought out my second mortgage a few years ago when my house was upside down -- dropped almost half, and placed a lien on my property. I have been trying to settle this since then, but no avail. It is almost upsetting and frustrating how they kept on telling me to counter offer against their offer of {$31000.00} as a final settlement, but never mentioned about the expiration date, which was last XXXX XXXX. Had I known that there was an expiration date on their amount, I am 100 % certain I could have made better decision ~ different approach to make sure this burdensome ordeal would be finalized then. I had to retire from Post Office, so I did not have a regular income like before, so I was trying to see if I could lower the final settlement amount lower than {$31000.00} since I had to borrow this money. But to my disappointment and discouragement to the point of anger for their deceitful attitude -- never mentioning not even once, something like this before XXXX whenever I had called ; I called several times : 'Can you consider this offer would be expiring on XXXX? ' I have to wonder if they had to be this deceitful. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' letter to me. I had filed chapter XXXX in XX/XX/XXXX, so if someone could explain the top part of this notice ( if you want me to send you the entire pages, I need your email address ) page XXXX where it said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation ', I would greatly appreciate it since I am totally confused ; they said this debt was excused ; then, they would like to accelerate???. 
Would you pls do me a big favor to help me settle this with their initial amount for me since they dealt with this dishonesty? I have XXXX different licenses -- life and health, property and casualty, Series XXXX, series XXXX ; each ethic class I had taken for these licenses, they emphasized how important it wass to inform your customers with every important factors to help them make a better XXXX right financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

Thank you in advance for your help! THX! 
Have a good day/week! Happy XXXX XXXX! 

Sincerely, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law