AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I clearly indicated the debt was not mine and that I needed copies of the documentation to file the necessary police reports. I believe I am a victim of identity theft and wanted the evidence to provide to the police department. The collection agency refused to have the company that provided them the claim contact me, dispute the claim and remove it from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I tried to refinance my truck through XXXX to get lower payments. They denied me because they said I have a delinquent account with Navy Federal Credit Union. I have a credit card with Navy Federal Credit Union I have been trying to pay off, and always make my payments WITHIN 30 days of the due date. Usually my payments are made within 10 days because of the date my military pay check comes in versus the date they have for my payment to be due. I always make my payment on the XXXX of the month and the due date is on the XXXX of the following month ( ie : due date is XXXX XXXX, I make payment on XXXX XXXX when the military pays me. ) The reason I took out the credit card was because last year I hit financial hardship and had to pay for my moms bills because she was in a XXXX and out of work, as well as had to pay for a surgery for my dog who was in an accident as well. I 've spent the past year playing catchup and finally have caught up bht I always made my payments on the credit card within 30 days so it would n't be considered delinquent. However, somehow Navy Federal Credit Union made the account delinquent and reported it, so now it is having a negative impact on my credit that I worked hard to obtain and build. I can not refinance my truck to make my payments lower to save more money because of a report that was made before the 30 day period. I would like to find out why this was put on my credit report and see if I can get it taken off because it is negatively impacting my credit. I have a car payment, a mortgage both of which are always payed on time to the day, as well as have a small loan with another compan that is payed on to the day. No other bills are late either. The only account there is an issue with is the navy federal account that reported delinquent without thirty days and whom charge me double interest rates that make it hard to make any headway on the card. I am XXXX military and am coming on my XXXX year in. Refinancing a truck I make payments on on time should n't be an issue but it is because Navy Federal Credit Union is holding my account delinquent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was offered a O % APR credit card for 15 months, but instead received a card with 3.5 % APR. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wells Fargo charged me {$90.00} for a safety deposit box that was closed in 2011, then charged me a {$35.00} overdraft fee to cover this box fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage servicer has unfairly denied my application for a loan modification. They made an error in the utilization of income and they denied the modification based on only a portion of the income calculated. This decision was appealed and SPS reviewed the file again and once again denied the modification. The denial was contradictory and was disputed. I have not received a written final denial in violation of the XXXX guidelines. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX XXXX California. I had paid my {$500.00} payday loan in the payments they said. But of course they said all that I paid was to fees and not my loan. So I tried to stop they payments from my account. I could n't pay my rent my car or anything due XXXX XXXX cash. I tried calling them to have them give me more time. They did n't call back instead they took another payment for interest on money I had less than 14 days it was supposed to help. Instead it landed me in more debt stress and the crisis center from an XXXX. Since they took what I needed for my rent. Now they are threatening my job and harassing me. They should f be allowed to do this to people at all. I 've used pay day loans before and I pay maybe {$45.00} extra. These guys want XXXX $!!!! If I had that I would n't have needed the help. And I asked the girl that set me up. And she said no that I was even getting a discount. Horrible!! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I currently have a mortgage that is serviced by LoanCare ( a XXXX company ). Using their web site MyLoanCare.com I attempted to make my mortgage payment as I always have on XXXX XXXX, XXXX in the amount of {$1300.00}. According to their site records this payment was reversed on XXXX XXXX, XXXX. I looked thru my bank statement during this period of time and I am not showing that a withdrawal was ever even attempted. I logged in again to attempt to correct this on XXXX XXXX, XXXX and made another payment of {$1300.00} which also show on their web site as reversed on XXXX XXXX, XXXX, again with no record on my bank statement of ever being attempted. On XXXX XXXX I received a phone call from LoanCare telling me that the payment had apparently not gone thru still. I asked the woman how this was happening as I had never had an issue making payments on their site before in the almost 6 years prior. She told me I must have typed in the routing number or account number incorrectly which seemed unlikely as the web site makes me confirm these and it had never occurred in the past. I continued making my payment since then and have not had an issue again with the web site. 

I later discovered that LoanCare was reporting a 60 day mortgage late which has greatly hurt my credit score and ability to purchase a new home. As this was caused by some sort of web site error I called LoanCare on XXXX XXXX, XXXX asking as a one-time courtesy that they remove the 60 day mortgage late they are currently reporting from XXXX XXXX. I was told I must e-mail them making this request which I did that same day. I was informed by the woman and confirmed via e-mail that I would receive a response in 10 business days. I never received a response. I also called their executive office and left a voicemail at the number XXXX on XXXX XXXX to see if it was possible to expedite the process in any way. That has also gone unreturned as of today. I have called multiple times again since then but the woman 's mailbox is full on that number so I assume I will not be getting a call back from her any time soon. 

This is the only late reporting on my credit with LoanCare. They have no automated system set up to inform the consumer if their web site decides to decline a payment as it did here. They are in my opinion one of the worst servicers of mortgages I have ever had to work with and their customer service is awful with hour plus wait times to speak with someone at times. At first I thought they were a nuisance but had I known they would damage my credit with their outdated and cumbersome online payment system I would have refinanced years ago and paid a higher interest rate just to get away from them. They bought the servicing on my loan and it has been a nightmare even since that is now stopping me from purchasing a new home due to the inaccurate 60 day late on my credit score. The CFPB is my last hope as my calls, e-mails and voicemails have resulted in no help or the majority of the time are n't even returned. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Paid in full and account was closed in XXXX. This account is 7 years old and must been removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have several medical bills that I am trying to get paid off by XXXX 2017. My home equity will balloon at that time and I stand a chance of losing my home because I ca n't paid the loan off in 8 months and I need help to forgive as much of the medical amounts. I am trying to get them paid but I am having problems. How do I get help with this? Thanks so much if anyway I can get Help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased items on a Best Buy credit card through Citi Bank. I paid my bill before the due date on the first of every month. Eventually those payments began being applied to the previous month and I was charged late fees. Essentially according to Citi I was doubling up on payments. I called and they agreed with what I was saying and removed XXXX of the XXXX late fees. They said they can only remove so many in a year. They then advised me to pay the minimum due, which was higher than normal because of the late fee. They also told me to wait until at least the second of the month which I did. I paid in XXXX on the XXXX per their advice and it still got applied to the previous month XXXX XXXX XXXX. I called and they still gave the same excuse. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I open a class account for my XXXX son XXXX XXXX and myself XXXX XXXX, when I open the account I made clear that this account have Not overdraft privilege., but Bank of America has charge more than {$130.00} in overdraft fees. I CALL THE BANK and they told me tha they wo n't take those fees. 
Please investigate 

Company response: Company chooses not to provide a public response
Consumer complaint: I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees 

Company response: Company chooses not to provide a public response
Consumer complaint: Hunter Warfield is reporting to the credit bureaus that I owe them {$2400.00} due to an old apartment lease I had with XXXX XXXX. I have written, faxed, and called them requesting a detailed explanation of the debt, because I do not believe I owe the apartment community anything. Unfortunately, for nearly two months now, Hunter Warfield has not bothered to respond with this information. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We had a mortgage with Bank Of America. It was transferred to XXXX effective XXXX/XXXX/2015. I just checked my credit reports, and discovered Bank of America has reported us 30 days delinquent for XXXX 2015. After spending 2 hours on the phone, I was sable to clarify their rationale for our reported delinquency. Our mortgage payment had been XXXX. We paid that XXXX/XXXX/2015 and BoA confirmed receipt. However, BoA says they reanalyzed our escrow in XXXX and discovered our real estate taxes had increased. They claimed to have sent us notification prior to the XXXX XXXX payment due date to this effect. We have no record of this letter. BoA reanalyzed our escrow a second time in XXXX, and sent us another letter dated XXXX/XXXX/15 informing us of this and advising our new payment amount was {$1500.00}, effective XXXX 2015. We interpreted this to mean our XXXX payment was the same as previous, and that our increased payment began in XXXX. We paid our XXXX installment XXXX. We then received a notification form BoA advising us our escrow was short {$170.00} due to the real estate tax increase. We made that payment XXXX via check. the check was cashed. We then made our XXXX payment for {$1500.00} on XXXX XXXX. Now, BoA claims we were technically delinquent in XXXX. They ca n't adequately explain why. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Macy 's fraud department notified me on XXXX XXXX regarding potential fraud on the american express portion of my Macy 's card. This was removed from my account in a timely manner. On the Macy 's portion of the card, they did not review for fraud but I found the fraudulent charges on the same day. Since my initial paper work for this fraud, I have had to call monthly to get this cleared from my account. As of today, it has not been removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am desperate need of a loan modification and I was denied by Greentree XX/XX/2013. I am a XXXX year old widow and according to Greentree I was not offered a loan modification because my income was outside of the range by XXXX cents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Home Depot Credit Card. I noticed that there was a {$2.00} interest charge that had been added. I called and was told that it was a mistake and they removed the charge. My concern is that how many people have " inadvertently '' had the {$2.00} charges added and did not notice it and paid it. I just want you to be aware that this happened in case it is a regular occurrence to scam customers. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America has re aged a charged off account. This illegal tactic was found on both my XXXX Credit Report pulled on XX/XX/XXXX and my Transunion Credit Report on XX/XX/XXXX. Bank of America charged off the account in XX/XX/XXXX The status report on XXXX credit report has account charged off, but with a balance past due as of XX/XX/XXXX. This is re aging, a direct violation of the Fair Debt and Credit Reporting Act. Also, I have proof in the certified letters sent to them XXXX that they could not verify the debt. They must change the status immediately and stop re aging the debt. Proof is attached. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I was forced into XXXX XXXX I was XXXX XXXX XXXX, XXXX I was hit with a bill from SS that they had overpaid me {$6600.00} I had 30 days to contest, now on payments. At the same time I was fighting to pay off my {$11000.00} medical co-pays & out of network expenses. By XXXX XXXX I was unable to keep up I defaulted on several unsecured accounts all but XXXX has now been resolved. I had called the account holders for relief, only XXXX agreed to help. Citibank refused any discussion or relief, told me basically pay up or else. I am now facing a judgement with Citibank as the plaintiff. I offered a settlement but they flatly refused. Telling me they would see me in court. I have nothing no assets, saving, uninsurable, unemployable & I 'm living on my SS. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I took advantage of two year-long, 0 % promotional APR rates through my Bank of America credit card to help pay for my daughter 's wedding. At the same time I continued to use the card for purchases and had an outstanding balance. The APR on the purchase balance was at 14.24 %. The APR on the promotional purchases was 0 % up through the expiration period on XX/XX/XXXX. 

On XX/XX/XXXX I made payments on my account sufficient to pay off the promotional balances and some of the purchase balance. My assumption was that the promotional balances, even though they were currently at 0 %, would be paid off because they had an underlying rate of 19.99 % that would take effect the next day, on XX/XX/XXXX. 

Because the rate on XX/XX/XXXX was 0 %, the purchase balance - at 14.24 % - was paid off and the rest of the payment went to another O % promotional purchase that was to expire in XX/XX/XXXX. In the meantime, the XXXX promotional balances that had been at 0 % on XX/XX/XXXX went to 19.99 percent on XX/XX/XXXX. The irony of this is if I had known clearly that my payment would go to the purchase balance before the promotional balances, I would have waited a day to make my payment. 

According to the customer service representatives at Bank of America, they followed the law that Congress passed. However, it seems as though the law, while well-intended to make sure that high-interest balances are paid first, had an unintended consequence ; or was it a loop-hole that banks have capitalized upon, literally? 

In fairness to Bank of America, when I called customer service and explained the situation, they acknowledged my intention and have credited nearly {$200.00} in interest charges back to my account, AND reset the interest rate to the purchase rate of 14.24 percent. Although it did take three separate calls to customer service to explain my concern, and finally a referral to a supervisor, who made that adjustment. Even so, they certainly did n't have to do that, and for that, I am grateful and appreciative. 

So this is n't as much a complaint about a bank and a credit card as it is about the legislation and how it is being applied. 

Company response: Company chooses not to provide a public response
Consumer complaint: SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. 

Sincerely, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have asked on multiples occasions validation of these accounts to this company through the credit bureaus without a statement from the agency, keep that information in my credit files, under Fair Debt Collection Practices Act I have the right, unverifiable accounts must be remove under the Fair credit reporting Act I hereby request.1-What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3-Provide me copies of any papers that show agreed to pay what you say I owe 4-Provide a verification or any judgment if applicable 5- Identify the original creditor 6- Prove the statute of limitations has not expired on this accounts 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent. Without this information requested is clearly violating my rights 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has a debt listed which does not belong to me I want it removed 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Concepts a third party CONSUMER lender gave an approval to finance XXXX to cover the remaining amount of a vehicle we could n't pay in cash. We fiilled out a consumer application for a vehicle loan. AutoTrack the dealer let us know they Credit Concepts declined to lend XXXX more then XXXX as credit concepts said the amount we were asking for was out side " their '' first time buyer max of XXXX. We could only pay a max of XXXX cash so the dealer on his own account sent them a fraudulent claim of a possible security interest in a trade in vehicle we have never owned this made the deal look sweet enough to prompt Credit Concepts to up the amount they would loan to us by an extra XXXX for a total amount of XXXX. It states in all the financial documents that our XXXX was due at the same time funding was released for the XXXX evidencing this was not a sale at " retail '' or an extension of credit from the dealer. This was not a RSIC up for purchase nor assignment this was direct lending from credit concepts to provide my husband with the remaining amount of the vehicles selling price we could not cover with cash to buy the XXXX at no point did the dealer ever intend on being the XXXX " financing '' the deal! Credit concepts has a Consumer lending license under the state of Washington and the ability to purchase " contracts '' however, there is XXXX material element that would be required to " purchase a contract '' and that would be A PRE-EXISTING CONTRACT TO A ALREADY COMPLETED TRANSACTION. I can have my attorney provide copies of the contract if need be i will be attaching the financial paperwork. There is a consumer application for some reason when they sent us a copy they cut off the bottom part where is was signed anyways the bank named is XXXX XXXX bank now referred to as XXXX Bank and its creditor associates namely being Credit Concepts in our case. I provided a copy of the VPO that the dealer sent over as a deal sweetener with a security interest trade in of a jeep compass. I also included the denial and then approval letter from the lender Credit Concepts. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I closed an account with XXXX XXXX of Ohio on XXXX XXXX XXXX, when I sold a house. I disputed the final gas bill and on XXXX XXXX XXXX received a final bill for {$39.00} which I paid on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a notice from XXXX Special Accounts Department ( XXXX ) notifying me that the previously disputed {$26.00} was owed. I contacted that office and informed them that I had received and paid a final bill totaling {$39.00} and after speaking with a supervisor XXXX agreed the notice was in error. Today XXXX XXXX XXXX I received via XXXX mail, a notice from Affiliated Credit Services stating my previous account with XXXX XXXX was in collections and that I owed {$26.00} on the account. The notice stated I was to contact XXXX XXXX at XXXX to arrange payment. I called XXXX Special Accounts Department immediately to find out why this had happened. This department claimed they had no record of any contact with me prior to today. I 'm unsure if the notice from Affiliated Credit Service is legit or not. If it is legit then it seems apparent to me that XXXX left hand does not know what it 's right hand is doing. I have had no luck in dealing with XXXX XXXX even after paying their final bill in full. Perhaps you folks can get to the bottom of this. I can only imagine what this must be like for some elderly person to go through all this harassment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BSI Financial abused our fiduciary relationship and manage my escrow account badly. More than twice over the last three years BSI has paid insurance after the expired date more than two times. I get mortgage adjustment that vary with huge gaps for example {$1200.00} to {$1700.00}. Often, I call BSI customer service and their answers are given as if there is no shared resource information that tracks properties connected to the account, the number of insurances and taxes to be disbursed, etc. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I filed bankruptcy XX/XX/XXXX against central ohio credit union. It is showing 3 times on my credit report and I am being dinged several times on this matter. I have filed a dispute with XXXX. and XXXX. They still have n't done anything. I was understanding that it would wipe my credit clean. According to my credit report it showing on XX/XX/XXXX as opened, XX/XX/XXXX as opened And XX/XX/XXXX it says closed due to chapter XXXX bankruptcy. I feel as though I am getting marks against me XXXX times and I was at the understanding that it would be wiped off completely. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are several inquiries on my credit report that I did n't authorize. 

Company response: Company chooses not to provide a public response