AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was seeking to refinance my home. I started working with XXXX company ( Loan Depot ) in CA. they ordered an appraisal which I paid for. just as the appraisal came in I was offered a much better deal by another financial service. I and the new financial company asked Loan Depot to transfer the appraisal. they are refusing saying they do n't do that. I paid for it. In addition they contacted my insurance carrier and informed them they would be servicing the loan even though I have informed that I no longer wished to proceed with their offer. I understand they are upset at losing my business but do n't I own the appraisal. just because they " would not accept another appraisal '' does not mean that it is legal or ethical to deny transfer. Please advise. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: someone in north Carolina has stolen my identity information and has purchased items including XXXX cell phones thru XXXX on XXXX/XXXX/2015. A police report was filed as soon as I found out about it on XXXX/XXXX/2015. A investigation from XXXX is under way thru there fraud department and our local police department. 

Company response: Company chooses not to provide a public response
Consumer complaint: This bill was already paid by my insurance companies 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I feel that Citibank did not help me as a consumer. I did a purchase that i I never received but a contract andthey refuse to stand behind me. I read on one of my credit card disclosureif your not happy with a purchase you can return it. in so many words. 
I had purchase from XXXX and I feel I was scammed and Citibank didnot help me get my money back. I never used this program or itemthey sold me I had sent a letter to cancel within the 3 days but theysaid it was late regardless I tried to cancel over and over again. 
I will pay a small fee for canceling but I do n't feel they should keepmy XXXX dollars. I never used them and never will. while on theship other people that was in the presentation agree it was a rip offand me like a dummy was rushed thru it and fell for what the salesguys said instead of reading the whole contract because we weregetting on a cruise ship is how they sold XXXX so we did cancel itafter reading it but Citibank refuse XXXX allow us to cancel it or help uscancel they just believed this lieing company called XXXX travels checkthem out you will find a lot of people did they same the thing I did waspay it in full with my citicard and they are not no help so I refuse to payanymore for something I did not receive full service from XXXX I do n't havemoney to throw away. I tried to cancel a number of times with thecompany and Citibank and no one helps me as a consumer. 
it is fraud and a scam help me out please get this resolve. once we gotoff the ship we sent a cancellation letter.. we did all we could toresolve it 

Company response: Company chooses not to provide a public response
Consumer complaint: i have over {$400.00} dlrs in overdraft fees. Prior to this problem i had checked my account and had a small balance of {$17.00} dlrs ( about ) and that was on a Friday, about tues of the following week i checked my account and was already over {$300.00} dlrs overdrawn. I called the bank explain to them that my account was ok on Friday and a few days later was overdrawn more then {$400.00} dlrs and i had not used my debit card since the {$17.00} balance, i was told that my balance was not accurate because they do not post every transaction therefore it causes the overdrafts and that i had no choice but to pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went on experians web site to get my free credit report and fill out what they needed and answered questions that seemed to be inaccurate and then was denied and asked to mail in my request. i had the same issue with equifax and currently have a dispute going with them seems the information they have is wrong or they wish to discourage people from being able to get there report for free 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a co-borrower on a student loan through Sallie Mae. I find their collection tactics deplorable. My son is a month behind in payments and their " automated '' system calls more than 3 times a day ( just received the 5th call today, every hour since XXXX ). The problem is there is no way to stop the automated calls, even if you return the call. 
1. Call is a recording with a specific person asking you to return their call. There is no person on the line, and no option to get to a live operator. 
2. You call them and ask for the person who was in the message, as requested, but you do n't get that person and there seems to be confusion on their end. Since I 'm a co-signer, I have to guess what it 's about. 
3. You can tell them it will be caught up by specific date, or whatever, but the multiple calls will continue until the next payment is made. 

I can understand a call a day until you contact them, but really, every hour, for the co-signer? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: LoanDepot broke the law regarding releasing the escrow balance from my account after i paid the loan in full. 
The requirement is 20 days total, not 15 business days as stated by them. 
My mortgage was paid in full on XXXX XXXX, 2016. Today is the XXXX day, and i still did not receive the escrow funds. 

XXXX Timely escrow payments and treatment of escrow account balances. 
( a ) Timely escrow disbursements required. If the terms of a mortgage loan require the borrower to make payments to the servicer of the mortgage loan for deposit into an escrow account to pay taxes, insurance premiums, and other charges for the mortgaged property, the servicer shall make payments from the escrow account in a timely manner, that is, on or before the deadline to avoid a penalty, as governed by the requirements in XXXX ( XXXX ). 
( b ) Refund of escrow balance. ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I continually receive robo calls from a company claiming to be Pro Collect, but I have never received anything in writing from them as to what the debt is. The number shows up as ( XXXX ) XXXX on my phone, but message states to call ( XXXX ) XXXX. Today, XXXX/XXXX/2016 they called and left a voicemail at XXXX. I have a screenshot of my phone log showing the call. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted a request for the removal of PMI after my loan reached XXXX % LTV ratio in XX/XX/XXXX. I received confirmation of my request on XXXX XXXX, 2015. This stated that they received my request, and that I would receive a written determination within 30 days. 

On XXXX XXXX, 2015 I received a phone call stating that I had submitted the FHA form, and I needed to submit the conventional. While on the phone, I brought up the form, and confirmed that I had sent the conventional. I placed on hold and the customer representative came back and stated that I had filled out the correct form, but I had not checked any boxes. I confirmed that I had not check any boxes, because none were relevant to me. 

Again I was placed on hold, and when the customer service rep came back on, she stated that the requirements for removal were a XXXX %, LTV. I stated this was incorrect, my loan documents stated it could come off at XXXX pct, with automatic removal at XXXX pct. Again I was placed on hold. When the representative came back, she asked that I email a copy of my loan documents, which I did. 

On XX/XX/XXXX, after 3 months of no reply, I called to check on the status. The representative stated that they did receive my request, but needed me to fill out a new one. When asked why they needed a new one, the representative stated some of my information may have changed. I stated the form only asks for my loan number, address, and SSN, which have all stayed the same. Again I was placed on hold. After 5 minutes the representative returned and said they did not have an image of the request. When pressed whether they lost it, she would not comment. 

After 100 days, I am still at the beginning process of the removal of my PMI. Due to this delay, I have paid an additional 3 months worth of PMI. 

Company response: Company chooses not to provide a public response
Consumer complaint: Roundpoint had me sign an approval to participate form in order for them to approve the short sale of my home. After many months of offers being put in on my home and losing the offers ( because Roundpoint simply took to long to approve the short sale thus giving them more money in fees that I owed ... some of my offers were almost over what I owed on the home to begin with and I even had a cash offer fall through ) they finally had me sign an approval to participate saying they would accept an offer that was made on my house. In the approval form it states that if I successfully close on the sale of my home following their procedures ( which I did ) that they would compensate me {$750.00} at closing. And that my compensation would increase to {$1000.00} if I closed before XXXX XXXX ( which I also did ). It says I may elect to receive cash or apply some of all of the compensation to sales costs not paid by HUD. Now, when the closing happened they never asked me how I wanted to receive this compensation ( I would have elected to receive cash ). It was never put on the HUD ( nor could it have been, because in a short sale there may not be a payout ). Now, over a month later after my closing I still have not seen the compensation they promised me for doing these things. According to a party at Roundpoint ( all conversations at their company are recorded ) they may not pay out because of some type of Respa ( not sure if that is correct ) procedures. HOWEVER, I asked her several times if respa procedures include anything about a compensation. She said " no ''. I said " then Respa has nothing to do with this compensation because it is not a normal procedure, correct? '' and she said " correct maam '' then went on again talking about Respa. The paperwork clearly states they would pay me the compensation if I did everything they asked. I did everything they asked and then some. I suffered fines and fees for over a year because of this company dragging their feet and me losing potential buyers on my home. Roundpoint owes me {$1000.00} according to this agreement. And I am willing to take the matters to court if they do n't compensate me what THEY owe me. My realtor did not give me this paper, the title company did not give me this paper, ROUNDPOINT did. Therefore, they owe me the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Ohio Attorney General submitted correspondence to remove XXXX State Liens from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I initiated a 0 % promotional transfer from my AAA credit card from AAA Financial Services in XXXX DE. I had done this in the past and did n't notice this issue. AAA offered me a 0 % balance transfer but did not explain that my regular monthly charges would now be charged an interest rate even though I paid those off each month while carrying the balance transfer that I pay off in small amounts each month. So it does not make sense to me that I pay interest on a balance that I pay off each month, on time. How is this a good deal? It feels like a scam to me. I have had this credit card since 2003. I have excellent credit. They told me this was explained to me when I initiated the offer but I do n't recall. I am in the process of switching to another card, but wanted to file a complaint because this does n't seem right. 

Company response: Company chooses not to provide a public response
Consumer complaint: American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have done everything that Us Bank has asked us to do and they still will not work with us. We have hired an Attorney and a Meditation Consultant. 

Company response: Company chooses not to provide a public response
Consumer complaint: This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been reaching out to Trans Union for years. The most recent are inaccuracies which could result in me having to remain renting a room for $ XXXX/month and not getting accepted in a house or apartment. I am frankly tired of disputing and that Trans Union is not properly showing my payment history. A letter is provided accordingly in addition to the inaccurate report. My score has plummeted XXXX points because of their faulty reporting and defaming my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: My sister defaulted on a mortgage I helped her get I moved in with my new family she chose not to get a roommate milked the system for years and now I 'm in debt ... I just want to do deed of leiu so I can buy my family if XXXX a home and XXXX XXXX XXXX jerked me around after applying for their large lawsuit! Then shady transferred my account knowing I wanted to save the home and my credit yet still gave me to bsi financial in which I 've submitted XXXX loan mods to no avail!!! All I want is money to move into a new home w my family of XXXX and give this home up debt free! Nobody is cooperating! Please help us XXXX or XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Suntrust Bank is avoiding completing the short sale process. We were clear to close in XXXX 2015, when the bank " just '' noticed names had changed due to marriage & divorce ( this should have been caught up front, I provided a marriage certificate in XXXX 2015 when this process was started ). In XXXX 2015, we were needing an updated approval letter from Suntrust to bring this short sale to a close. Suntrust representative XXXX XXXX replied that the short sale expired XXXX XXXX, 2015 and we were outside of contract. Now the bank is not responding to the short sale coordination team. We have been working with the bank for a year now with no resolution. The short sale coordinator has well documented notes of all communications with Suntrust ( and XXXX as the XXXX involved ). 

The resolution desired is to complete the short sale. 

Company response: Company chooses not to provide a public response
Consumer complaint: I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, XXXX, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX XXXX tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, XXXX, called her stepson and told him fraud charges were being filed against me in XXXX XXXX. 
I called XXXX again and asked that they not contact anyone else because they have by mailing address and phone number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cancelled the contract in less than 3 days with XXXX because I had to move. They refused to allow me to cancel and want money I do not owe! XXXX (? ) Place a collection and it was removed as shown on my XXXX credit report, now Stellar Recovery Inc has it listed as a bad collection debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I went into XXXX XXXX XXXX to pen an account, and I was caught off guard when the banker asked me if I was in the military.I responded no, because I have never been in the military nor do I ever plan to be. Two days later I went to XXXX Bank and attempted to open an account and I was advised that there is a theft alert on my social security number.I immediately went into to panic mode as I am moving out of the state XXXX in five months and do not need this stress. I immediately thought my identity had been stolen, I then went home and called XXXX. XXXX stated that they have no report of identity theft. I then called XXXX who explained that there if an XXXX XXXX freez on my social security number.The representative then apologized because clearly I am not on XXXX XXXX and the addresses did not match up with whomever actually needs the freeze, and gave me a resolution to solve this issue with experian only. XXXX XXXX XXXX stated this XXXX XXXX report came from CHEX SYSTEMS. I am requesting this be removed as I am and have never been in the military. I think this is huge mistake for the person who needs there info protected because that means his info is not frozen as he requested and its a huge inconvenience towards myself.If necessary I can provide verification of that. Chex systems also has a prior address incorrect, it has been documented as XXXX XXXX XXXX XXXX, XXXX Nj XXXX when the correct address is XXXX XXXX XXXX XXXX XXXX, XXXX Nj XXXX. 

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

Company response: Company chooses not to provide a public response
Consumer complaint: After getting a new credit card in the month of XXXX, the card was not visible under my online banking account. When enquired over phone with Bank Of America, i was told that there are two different profiles under my name and and i need to furnish my identity proof.When i went to the bank i was told that there are two more credit cards under my name which i never had. Upon further enquiry it was revealed that my social security number was updated under somebody else 's account and the other person was able to see my address, date of birth, social and credit card transaction. And that person was able to trace me to my address. This is clearly a blunder from Bank 's side and my social and other private information was compromised by the bank. I had applied for the new credit card with my social, how can that be updated under other person 's account. Also my credit card was blocked by the other person as he thought this is a fraud. How can somebody else block my card. After this incident i checked my credit report and i was able to see two addresses, one of which was not mine. Even somebody else 's credit card under my account jeopardizing my credit history. Because of this, i am living in fear of identity theft as my SSN was compromised. 

Company response: Company chooses not to provide a public response