AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Roundpoint Mortgage has not handled the modification process in a timely manner. They take a very long time to review the information provided. Then they will request the information again as the previous documentation becomes outdated. Single point of contact will not return calls or get in touch with client in a timely manner. It took the XXXX XXXX about three months to be able to speak with him and multiple phone calls. Roundpoint keeps delaying the process and has not been actively trying to help out the borrower. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I went to bank of America on XXXX/XXXX/2015, and deposit {$1000.00} in coins into my checking accountI fill out an deposit slipThe bank teller took my deposit slip, attach it to the coins and give me an ACKNOWLEDGEMENT of RECEIPT of COINS, he told me that the bank would cont the coins and credit my account in a few days. 
A few days after I check my account, I was only credited for {$190.00}. 
I went to the same branch to get some answers, and found out that the bank teller, wrote down {$190.00} on the paper work that he turn in instead of {$1000.00} and there is problemI have made XXXX trips to the branch, I call at least XXXX times. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XX/XX/XXXXBank of America Credit Dispute ResolutionXXXX, CA XXXXRE : Loan # XXXXTo Whom It May Concern, It has been recently brought to my attention that an erroneous negative credit report was placed on my credit history and has adversely impacted my FICO score. The derogatory credit report must be removed and notified by the XXXX credit reporting agencies immediately. 

I have never made a late payment to my mortgage with Bank of America loan # XXXX. The late payment reported to the credit bureau was done so in error by Bank of America. Please see attached document that was faxed to me from Bank of America 's mortgage department in XXXX XXXX California on XX/XX/XXXX. 

In XX/XX/XXXX I refinanced my mortgage loan # XXXX to get a better interest rate. As you can see in the attached document, the monthly loan payment was paid on XX/XX/XXXX in the amount of {$4300.00}, well before the XX/XX/XXXX due date. Bank of America 's customer service advised that because XXXX XXXX had called and asked for a certified payoff that the account was in a payoff status. 

For reasons unknown to me and without my direction, the payment had already been accepted and cleared my account and applied to my mortgage balance on XX/XX/XXXX was reversed by your customer service XX/XX/XXXX on XX/XX/XXXX and was then posted into a miscellaneous trust account pending the loan payoff. 

Then on XX/XX/XXXX a late charge was assessed to the account as if a payment had never been made. This late charge was reversed the same day and the payment of {$4300.00} was transferred without instructions from me to my escrow account. This loan was paid in full on XX/XX/XXXX, and is being serviced by the new lender- XXXX , who in turn transferred the loan to XXXX in XX/XX/XXXX. 

Please note I was never notified by Bank of America that they had taken my payment made on XX/XX/XXXX and applied it to a suspense account and then applied it to my escrow account. Bank of America made these actions without consulting me, and therefore, until now I was not aware that they had reported a late payment to any credit bureaus in error. 

I am requesting Bank of America immediately correct this error and remove the derogatory report for each of the XXXX credit bureaus that Bank of America reports to. The incorrect late credit report has affected my FICO score and ability to get additional financing for other matters. This has also affected the credit of my co-borrower parents. 
Sincerely, 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX illegally and without any authority from the Trustee transferred our loan to Shellpoint Mortgage Servicing, I filed an appeal with Shellpoint regarding the our eligibility for a MHA HAMP Tier 1 modification and requested thorough documentation of the process, including an NPV. To date Shellpoint has not responded to our appeal, dated XXXX XXXX, 2015 ; and is having their vendors call and harass us, stating they are giving us " verbally '' notification of foreclosure. These vendors are in XXXX or XXXX. This is also illegal and this office need to contact XXXX, a MHA participant for not complying with the rules and guidelines in which cfpb is to enforce compliance. Furthermore, I have disputed the manner with cfpb, and to date no assistance what so ever. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. 
I did not found out until XX/XX/XXXX that my FHA loan could have been modified. 
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. 
All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless. 

Company response: Company chooses not to provide a public response
Consumer complaint: Reference Account : USAA SECURE CHECKING # XXXX XXXX/XXXX/2015 I spoke with XXXX, one of your reps, We spoke about the recent fraud that was being investigated on my account. Unfortunately the experience was one of the worst I 'd ever had. I was treated like I had committed a crime, I was accused, badgered, importuned, plagued, and also harassed. I 'm sure he knew he was speaking to an XXXX XXXX, by my tone. His actions were unprofessional, unsympathetic, and unprincipled, His discriminatory presentation has prompted be to make a complaint with the FDIC. I 'm a victim in this situation, and this situation has caused me to very agitated, My life was stolen. I called the bank, a well-known organization to establish the status of the case and was treated like I was from XXXX!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then II have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive a phone call from XXXX saying they are XXXX Credit, that there is a XXXX account in my name, not at my address, that has a bill for {$500.00}. They leave no voicemail, and are never able to answer when you call back. This has been going on for months. I have had my credit checked and fraud alerts on and nothing matches what they are saying is the issue. I need this to stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was inquiring for educational purposes at XXXX XXXX in XXXX California. I was enrolled and attended the XXXX program there. I was unable to cover tuition, and took out a student loan which did not cover my full tuition. XXXX, gave me XXXX only other option, to take out a Personal Loan with Genesis Lending. I paid on it for quite some time and stopped recently because I did not finish the program and my husband XXXX. since then my payment has XXXX and my credit is ruined! While I was attending school I wa threatened repeatedly that I would be dropped or removed from school if attendance was not met or payments not made and that I would STILL be responsible for the debt. It was the worst decision I ever made!! attending that college, for a trade that pays NOTHING!! I have since been promoted in the XXXX and am an XXXX at a very successful XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a credit card with Macy 's, account number ending XXXX. I used that card to purchase a product. I subsequently returned the product. Macy 's posted a credit to my account for the value of the returned product. I later used a portion of the credit to purchase another product. I now have a credit of {$120.00} on my account. 
I called Macy 's and asked them to send me a check for the credit balance. They refused to do so and told me that I can only use the credit to purchase additional goods at Macy 's. I do not need any additional purchases and do not feel that it is acceptable to refuse to send me a check for the balance. Why should I be forced to buy something at their store just to get my funds back. That is a ridiculous policy. They took the funds from me for a good purchased. I returned the good and they, in turn, should return my funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I noticed that my Bank of America account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. 

My husband, who shares the account with me called Bank of America to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in the process of improving my credit score. When I notice that XXXX Bank and XXXX has done several inquiries on my credit report without my permission. I had purchase a car though them in XXXX, but the inquiries are in XXXX. XXXX report has XXXX inquiries and another has XXXX. Recently, I saw that XXXX XXXX has done XXXX the end of XXXX of XXXX. These inquiries were with out my permission. I sent a letter to the credit bureaus about the XXXX the bank has received, without a response. This is inappropriate action on the credit bureaus behalf. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX - Claiming to be collection on behalf of Citibank. Citibank has not communicated with me - turned over to collections and I am now dealing with XXXX XXXX XXXX. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! 

I refuse to pay any more money to them. 

XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am currently being evaluated for a loan modification. 
There is an agreement withThe California Attorney General Office to not do dual tracking. 
It should not be forward with a Trustee SaleWhile I am under review for a loan modification. 
The Sale date must be vacated. 
We want to keep our house. 
We hope everything going well on our loan modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a credit card statement and it contained a {$75.00} " fee '', which was not detailed and no explanation was given. I contacted Citibank and a representative reviewed and finally answered that it was an annual fee. I asked why this was not printed on the statement and the representative stated that it 's a known problem, and that he 'd share my concern with management. I felt that answer was insufficient and asked to be transferred to a manager to discuss why Citibank is placing charges on my account without an explanation. I waited on hold for XXXX minutes and the call was disconnected. Today I logged onto my account to verify a {$1000.00} payment I sent from my bank on Sunday had been applied and noticed my account was closed. I called Citibank and they said that it 's their policy to close an account if a customer questions the validity or usefulness of paying the annual fee if a call is disconnected while waiting to speak to a manager. This policy is not stated in my card member agreement, and is not printed or published on their website. This seems completely insane and incomprehensible. They stated I would have to re-apply to get the card again, including a credit check, which negatively impacts my credit. I have had the card for almost seven years, very actively used it, and never been late in payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home mortgage is with Penny Mac. It has a PMI fee that we have been paying. Per the original agreement. As of a month ago the Loan to Value dropped to 79.79 %, which was to trigger a stop on the PMI. I notified Penny Mac that per our agreement to stop charging me for the PMI. They refused until I PAID for a re-evaluation of my home. This was never in any documents. As a matter of fact I have a letter from Penny Mac dated XXXX/XXXX/14 that states ; that the PMI would be terminated when the Loan to Value reaches 80 % or lower than the " Original Value ''. It has reached that level and they now want me to pay for the home assessment before they will terminate the PMI. This is not part of the agreement. 
Please Help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Once again we are trying to obtain a lower interest rate on my XXXX mortgage. The interest rate is 11.375 % and with the economy and lower interest rates that have been below 5 % Bank of America gives me someone to chat with and after all the information is sent to them, again and again, we stop hearing from anyone. B of A was to set aside monies to help people like me so please help us. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a debt on my credit report with XXXX Mortgage, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX Mortgage last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors. 

Company response: Company chooses not to provide a public response
Consumer complaint: R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an alert from Experian that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a staples credit card from Citibank. The card was approved and I made a purchase.. It was an online application for the card and I used the confirmation number they gave me to do the credit purchase.. The amount was XXXX dollars and some cents. So far I have not received the credit card.. They tell me that I should have received the statements which I did not.. they have been calling me about the payment on the credit card and I am willing to pay the amount that I used on that card but I should not be charged any late fees and finance charge.. They continue to insist that I should pay finance charge. I have refused them to pay anything unless they revert the finance charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received notification that my loan was being transferred via a letter dated XXXX. The transfer is effective XXXX/XXXX/2015. Also, the loan company continuously pointed the blame to XXXX XXXX. How is this legal? 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion provided an incorrect credit information to XXXX XXXX in connection with my credit card application thats why my application was denied XXXX times. The incorrect information provided by Trans Union read : " XXXX XXXX or XXXX account ( s ) not paid as agreed. '' The truth of the matter is I do not have an account with XXXX XXXX and XXXX. 
I called Trans Union XXXX and they could not explain why an " unpaid XXXX XXXX or XXXX account ( s ) '' appear in their report. All they could say is that they will mail me a copy of my report. My last call was pick up by Trans Union call center in XXXXand they do not seem to understand the issue. Meanwhile, my credit application is damaged because Trans Union do not take action to correct their inaccurate reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently pulled my credit reports after being denied credit and found several accounts that were not mine. I put a Fraud Alert on my credit report with the XXXX main credit reporting agencies. I then sent a letter to XXXX XXXX XXXX on XXXX XXXX, 2015 who are listed as collecting for XXXX. I requested proof that this accounts belongs to me and copies of any documents showing my signature where I agreed to pay this card. I have received NO response from XXXX XXXX XXXX. It has been well over 30 days now without a response. I am demanding proof of my signature on a contract saying I would be liable for this account. They can not continue to ignore my request, nor can they simply say that because someone with my name who got ahold of my SS # and opened an account under my name makes me responsible. I am demanding that they delete this incorrect account from my credit report with the XXXX big credit reporting agencies immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting a XXXX account that has been taken out through identity theft 

Company response: Company chooses not to provide a public response