AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Dear CFPB, I ask that you seriously you investigate this company. I had a mortgage with XXXX XXXX ( already had to file XXXX complaints that are still ongoing ). The mortgage was transferred to Freedom mortgage. The transfer has been a complete mess. After a long trial the previous company finally transferred everything to the new company including a check. The first time I spoke to the new company the person said it was taking them a while to process payments because they were bringing in a large number of mortgages from multiple companies. Per their own records it too almost 2 weeks from when the payment was " received '' ( an attachment will show their own records show it took this long ) for them to actually post it. I was told that this would be corrected and that they would process checks more quickly. Now, I have mailed another check, directly to them this time, and it has been over 2 weeks since the check was mailed and they still have not posted it. I called in to inquire about their address and then asked why it was taking them so long to process checks that are mailed. The woman who answered ( I did not get her name, although they can tell you who it was since the calls are recorded. ) insisted to me that all checks are posted in no more than 72 hours. When I pointed out that their own records showed it took them almost 2 weeks to post my check even after they claimed they received it ( which was 2 weeks after it was mailed. I know the Post office is slow, it is not that slow though ) she then said it did not take them that long to post and then i again stated that their own records show it did and asked why it was taking so long. She then hung up on me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX without my permission, accessed my credit information for the purpose of providing me with a Automobile insurance quote which resulted in an increase in my insurance premiums by several hundreds of dollars. 
As a current insurance policy holder XXXX XXXX has never used Credit information. It is the result of relocating from XXXX to XXXX that has prompted this action. For XXXX XXXX to access illegally access my credit information and base my rate on such information is wrong. I have a perfect driving record and that is what a rate should be predicated on. I wish to seek compensation from XXXX XXXX for their actions. 

Company response: Company chooses not to provide a public response
Consumer complaint: 7 phone calls, an e-mail with a second request, request to speak to a supervisor with no results. Fighting to get my Escrow Refund for almost four ( 4 ) months. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I paid off my account in full on XXXX/XXXX/XXXX and Ally Financial sent me the title to my vehicle 5 days later. On XXXX/XXXX/XXXX I received an alert from my credit monitoring agency that Ally has reported they are in the process of repossessing my vehicle. I called Ally and they confirm the vehicle is paid in full and there report was sent to the credit bureau in error. While on the phone with the rep. he says he submitted a dispute with the XXXX credit reporting agencies. Dispute confirmation # XXXX and that it will be resolved and I should get a response within 7 business days. 
On XXXX/XXXX/XXXX - Check checked my credit monitoring profile and discovered that Ally Financial reported on XXXX/XXXX/XXXX to XXXX ( and perhaps the other agency ) that they repossessed my vehicle on XXXX/XXXX/XXXX. 

I called filed a complaint against the credit bureau with CFPB straightaway as I could not get anyone their to discuss this issue with. 

Immediately after, I called Ally Financial and explained the situation to the american rep. She checked my file and discovered the dispute # XXXX filed with the credit bureau ( s ) last week by their rep. was filed incorrectly as they did not received a confirmation. She offered to resubmit it today. I requested to speak with a manager as it is quite clear to me at this point that the employees at Ally Financial are incompetent. I was told a mgr. is not available and that one will call me back within 24 hours. First they send erroneous information to the credit bureau, then they were not efficient in disputing the information with the credit bureau. I will contact my local T.V. station ( XXXX ) and my local newspaper and notify them of this issue including the fact that I have submitted a complaint with you the CFPB on XXXX/XXXX/XXXX at XXXX XXXX pacific time. 

Company response: Company chooses not to provide a public response
Consumer complaint: Near the end of a new mortgage application with Axia Home Loans in XXXX XXXX Nevada, during the 72 hours after receiving the final declaration notice, I cancelled the application. I then opted to complete the purchase for cash as the first escrow extension was about to expire and place the purchase in jeopardy. Days later, I received a statement of credit denial from the Axia Home Loan company in which they indicated the loan was denied due to credit issues. After a follow up email to the loan producer XXXX XXXX she assured me that my credit was fine and not the reason our business ended. She then asked for a few days to remedy the misinformation. When that time frame expired, I tried to contact her by phone in a final attempt to allow them to change their action and furnish a letter of termination. At this writing, I have received no further contact. Senior loan processer XXXX XXXX was also familiar with the application details and cancellation. She too offered correction to what I believe to be the punitive credit declaration. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TransUnion significantly change information in my credit report from XXXX XXXX, 2016 to XXXX XXXX, 2016, which also significantly dropped my credit score from XXXX to XXXX. I have attached my TransUnion Comparison Report for proof. 

I spoke with some women in XXXX, outsourcing is terrible, who was clueless in helping resolve the problem. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech, In response to Ditech back in XXXX they say they have n't received my modification information. I have proof we sent it with a return receipt. They also stated in XXXX they need 60 days to review my file. Its well passed the 60 days and I still have no answer. My attorney and I cant seem to get any cooperation from them. Can you please respond to me with some answers. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I disputed XXXX XXXX from my TransUnion credit report I believe XX/XX/2015 and the item was deleted. I am now checking my report report from XXXX XXXX and this creditor is reporting back on TransUnion once again. 

Company response: Company chooses not to provide a public response
Consumer complaint: The situation is as follows : In XXXX 2015 I started a summer internship in XXXX. I looked for a gym in the vicinity of my organization and since XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX XXXX ; Phone : ( XXXX ) XXXX ) ( Club ) were in the same building, I want to see if they have any good deals. They informed me that they have a special offer, which entails to try this gym for free for a month. Then if I chose to I can renew the membership, or terminate it any time. 
I knew that my internship is temporary, and I wo n't be in this location more than a month ( and I live in XXXX ), so I specifically asked several times if I would be able to terminate this any time, and the person, Per XXXX, who was signing me up clearly said that this is a month to month deal and I can get out any time. I was asked to do an electronic signature. I asked if there is a contract and they guy from the gym said that there is no contract. Per XXXX said that the signature is just so that I can get my pass to try the gym. He asked me to enter credit card info as a standard practice ( also as a requirement to do this free month ). I never signed any contracts and was never shown one. All I did in XXXX 2015 was my electronic signature on a machine to state that I agreed to one month free membership to try this facility. You can check their documentation - you will not see my signature in ink, because I never intended to be in this location for more they a month or XXXX. 
After a week my internship moved to another location in XXXX and later to XXXX, so I never tried this gym. I did not attend it even once. XX/XX/2015 I contacted the gym, explaining that since the trial period was over and I was not interested in continuing and if there was any paperwork I needed to do to properly exit the Club. It is only then I found out that they signed me up for a year membership. I attempted to explain the situation to them, saying that I only signed up for the trial because they told me that there are no obligations and my member ship can be terminated any time, but they told me about the contract that I never signed, which they consider to be signed by me because apparently my electronic signature was transferred there. 
In short, the only reason why I ended up in this situation is because the representative, Per XXXX, who welcomed me to the gym told me false information and used my signature on a document I never signed. 
Now they put me or collection through the collection company XXXX XXXX , XXXX. 
Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX On behalf of XXXX. , United Consumers , Inc. requested I to pay them {$1200.00} as annual membership fee even though I never used this XXXX. 

Thanks, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Tried to get a free copy of my credit report from all XXXX credit reporting agencies using the website XXXX. Only received credit Report for TransUnion. XXXX and XXXX did not provide their reports. And Transunion did not provide a credit score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX KEEPS TRYING TO COLLECT APPLIED BANKS BUSINESS CARD AND IS REFUSING TO REMOVE ITS TRADELINE FROM MY EXPERIAN CREDIT REPORT IN VIOLATION OF FCRA, FDCPA AND TCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello : Back on XXXX XXXX, XXXX my Citi Bank XXXX card was overcharged by {$790.00} from a vendor in error. I called Citi to alert them that the charges were not authorized and they issued a temporary credit to my account for {$790.00} until the dispute was resolved. I filled out Citi 's paperwork required to initiate the dispute officially and returned it to them promptly. The vendor issued a partial credit of {$390.00}, leaving the balance still disputed of another {$390.00}. Citi Bank then wrote on my statement " The following conditional credit was reversed since it was determined to be a valid charge. XXXX Sears XXXX {$390.00} '' and my balance due on the card went up {$390.00} accordingly as a new charge. When I questioned, Citi said the partial credit was still pending and that statement they wrote was a poorly written way to handle the partial credit issued by the vendor. I followed up on the disputed amount XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and each time I was told the dispute was still pending and the permanent credit could not be confirmed. Today XXXX/XXXX/XXXX I was total the permanent credit of {$390.00} was applied back in XXXX and it was unfortunate that a letter was not sent out to me stating so nor could any of their representatives see that information. When I asked why I still have a {$390.00} charge open on my account, they said it was a coincidence and that I owed that money in other charges. I reached out to the vendor during this time to ask them why they only issued a partial credit and they apologized and said that was a mistake and they would initiate the balance credit for {$390.00} within the next 5-7 business days. Citi told me that if the vendor does that, they will not allow it to hit my account since they already issued me a permanent credit back in XXXX but it was only for {$390.00}. Why am I not receiving not receiving the entire {$790.00}? Citi seems to be collecting and benefiting my dispute while continuing to charge me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to call Flagship for two days. I called XXXX and they transfer me to XXXX which no one answers. On XXXX XXXX, 2016, I was on the phone on hold from XXXX to XXXX XXXX EST. I was not able to talk to a representative. I want to talk to a representative to negotiate a payoff of my account so I can re-establish my credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My wife received phone call, in 2014, stating she won a gift card. Along with this conversation she was asked several questions, XXXX of which being her favorite magazines. A month or so later I noticed we were getting billed by an unknown company " XXXX XXXX '' which I assumed was from the phone conversation. When we attempted to call the number back, the individual who answered stated that they had received numerous phone calls regarding this issue, but was in way affiliated with the activity. After this we went to our financial institute, XXXX XXXX XXXX, and had them investigate the matter. They determined it to be fraudulent, refunded our money and halted all further transactions. This has been over a years time with no word since, emails, calls, mail etc. Last week we received a collection letter for {$1100.00} from another company " XXXX '' through Malcom S. Gerald and Associates, Inc. My wife never agreed to any contract or services of any form. These charges are fraudulent and we would like to get this taken care of before any negative impact may hit her credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by Regional Processing Services regarding " an urgent matter. '' The person on the phone asked for my social security number and claimed no information would be provided to me until I gave my complete SS number. I refused, asked them to stop calling, and requested written notice of the " matter '' they are calling about. The caller hung up without verifying my address. Since this incident, I and my family members have received numerous calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When my new Citi XXXX was opened in 2014 it was opened with electronic statements to be sent to me via email. At the time it was opened I did a balance transfer, the email address Citi had on file was not correct, causing the account to go late and subsequently past due. During this time Citi made no effort to contact me for updated information, even when the first payment was missed there was no attempt to reach out. Upon recognizing that my account had no only fallen past due but also had reported a late payment to my credit report I contacted Citi and make the necessary payments to bring it current, paid the late fee, updated my email address ( see attached email confirmation ), and setup auto payment to assure that this would not happen again. When I spoke to the associate and inquired about removing the mark from my credit report, I was advised that I would need to request that in writing and the associate was not able to assist. I then contacted Citi via their website using the " Contact Us '' option and requested, I received a response telling me I needed to call in for that which was in contrast to what I was told before. I called some time later and was told that they could not remove the mark because it was too old, this is why I am now reaching out to the CFPB, I feel that Citi failed to provide me with a timely statement, failed to contact me once they realized that the email address they had on file, and failed to correct the problem once I called by passing the buck instead of owning the problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: AT & T Universal ( Citibank ) raised my rate due to a late payment almost two years ago. I was told the new rate 28.00 % plus would last up to one year. I recently noticed the rate was still 28.00 and I called to ask why. I was told by the agent ( XXXX ) that information was " proprietary '' and he could not tell me. I told him I was going to close the account, he did not argue, did not try to keep my account (??? ) I asked him if he investigated could he tell me, I was placed on hold, he returned and he said " no. '' I closed the account today XXXX/XXXX/2016 as my other credit cards are half that rate ( or less ) and I have a credit score over XXXX! I would hope the rate they are charging and the " proprietary '' reason can be investigated. As a consumer I believe I 'm entitled to know why I 'm being charged 28.00 % when I have good credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: denied credit pulled report and found this collection, i had no prior knowledge and was not given a chance to dispute. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Re modification states according to terms provide for interest rateand principal and interest payment adjustments. Was paying XXXX monthly 2 % interest. Now new interest 9.2 % new payment with principal and interest XXXX. New monthly payment including principal, interest and taxes XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed an account showing on my credit report with Experian from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on two occasion asked me to send them a copy of the credit report that is reporting this information. Each time I request the contract information they never able to send it. I then dispute this Item with Experian letting them know that I have no knowledge of this account with XXXX XXXX. Experian somehow able to verify that this account belongs to me. when I call Experian I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Experian was via online Experian.com. Again Experian say that this account is verified by the creditor. Since neither Experian nor the creditor are unable to provide me with the information that I requested I need Experian to remove this item from my credit report. This account is showing that 150days late, collection and sold to another company. Please remove this account 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 was making a purchase at the XXXX at around XXXX only to see my debit card was declined. I called my bank ( Bank of America ) to find out what was wrong only to discover the account was closed and they told me to call their risk department. The risk department were extremely rude!. They did n't let me speak and they could not give me a valid reason or good enough reason as to why they were closing my account just before hanging up on me. Prior to this incident i did not receive any phone call or letter in the mail or any kind of notice to inform me about them closing my account or even a warning that they are closing my account. The letter they sent me was dated on XXXX XXXX 2016 and the account was closed without my knowledge on XXXX XXXX 2016. The letter came in the mail on XXXX XXXX friday 2016. I have never been treated so unfairly and disrespectfully by a financial institution in the whole of america. Bank of america has to be the worse banking experience i have had. I had to XXXX my situation only to find out similar situations of them closing other people 's account with no valid reason, that 's how i came across the information for the Bureau of Consumer Financial Protection. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a pay day loan from a company that was trying to charge me fees that were way out there, like 300 %. I tried to talk to them numerous times and get what I borrowed paid back but they kept giving me the run around and would not return my calls. Recently, I received a call from Trademark Management Solutions telling me there was a server in the area and they were filing criminal charges against me. I tried to tell them that I could not pay what they were wanting ( {$400.00} a month ). I asked if they would at least try to get the payments lowered. They told me the company in which they were dealing with said NO I had to pay that amount and would not take a lesser amount. I told them I could not pay {$400.00} a month but was threatenedd court procedure if I did n't pay it and give them a debit card. I have been paying them that amount monthly but have tried to get someone on the phone to see if we can get the amount lowered. I am having trouble trying to keep up with all my other bills as well. I only borrowed {$1000.00}. and they are trying to make me pay back {$3000.00}. This is NOT RIGHT. I have a elderly Mom I am trying to take care of as well and just need for them to realize that what they are doing is unfair practice. I do n't mind paying back the money I received, but 3 times that amount is just unfair. I hope you can help me resolve this and make these people act more like they need to and help people not threaten them. Please help 

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