AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a mortgage equity loan with Bank of America on a home I 've owned since XX/XX/XXXX. There has been an unexplained fee on my account since XX/XX/XXXX, when I avoided losing my home to the bank through my state 's mortgage mediation program. Although the bank representative assigned to my loan at the time never returned any of my calls, I 've kept paying on the loan. In XX/XX/XXXX, I finally wrote the bank requesting an explanation and itemization of all the fees I 've been charged and all the payments I 've made. However, the bank never responded to my letter. 
I thought that by putting my request in writing, the bank would explain what the questionable fee is ; it does n't seem to be based on the loan 's interest rates or principle. I also wanted to know if my payment records coincided with the bank 's records, which the statements do n't seem to show. My monthly payments currently are only on the loan 's interest and just slightly above the minimum rate. However, I do n't know how the bank is applying my monthly payments to the loan, the principle of which is substantial. The interest rates on this equity loan are relatively low, but my payments do n't seem to be reducing this portion of the debt. 
The fee in question used to average about {$1200.00} on each statement. However, my XXXX XXXX statement shows a {$310.00} increase over last month 's fee ; the fee rose from {$1200.00} in XXXX XXXX to {$1500.00}. My XXXX XXXX statement shows that the fee now is up to {$1800.00}. With these sudden {$300.00} increases a month, I will soon owe the bank thousands of dollars on an unexplained fee that I ca n't afford to pay. 
Also, each of my mortgage statements now includes a notice that the bank has not received the previous month 's payment. Each monthly payment has posted to my checking account ; therefore, the bank is receiving and accepting my money. 
A generic message on the statement now threatens to notify the credit bureaus of delinquent payments. By the bank claiming that it 's not receiving previous monthly payments, it can report this false information to the credit bureaus and eventually foreclose on my home again. 
I am requesting the following information : 1. What the unexplained fee is for 2. Why the unexplained fee is now rising significantly each month 3. Why the bank claims on each of my statements that it has n't received the previous month 's payment 4. Whether the bank is applying my monthly payments to the loan I will provide any additional information needed to help resolve this issue. A fair solution would be for the bank to answer the questions outlined above and to waive the unexplained fee. 
I have attached a copy of the following : 1. XXXX XXXX statement 2. XXXX XXXX statement 3. XXXX letter to the bank I appreciate any help the CFPB can provide. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had opened a jewlery accout with XXXX in XXXX XXXX XXXX for the purchase price of XXXX, my wife was making the payments and the balance in XXXX XXXX reflected XXXX i called XXXX in XXXX virginia and they sent me a account history that had a begining balance of XXXX and my contract is clear. XXXX, we have over paid on the account and they wo n't talk to us or make restitution to the over payment and are still charging us interest. with a balance of over XXXX this is inaccurate and there are no stores left to speak to any live person and the office in XXXX wo n't talk or return calls/ emails. I have the original contract to prove my claims. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Have been called twice daily for a week after my wife and I both have told them not to call us in an attempt to collect. Last call at XXXX XXXX/XXXX/06. Started on caller ID as First Credit Services, now they are " unavailable '' on caller ID. number used are XXXX, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted today by " XXXX '' from XXXX XXXX XXXX. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an Old Navy credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This was paid last year in full. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted multiple applications for assistance for home retention through Flagstar Bank. I submitted paperwork for loan modification and for information regarding Short Sale because I felt defeated and none of the Flagstar staff was willing to help me understand how I could retain my home or offer me any help. They called multiple times a day harassing me regarding the delinquency of my loan and would not offer me any assistance when I asked about my options. They simply ignored me and moved forward with the foreclosure. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX mortgage with Harris, they are asking for the full balance and will not take payment. Will soon be adding late fees etc. I asked for a modification and they said I would need to see about applying for new loan at 8 % fixed. I will not gaulify for that it has been over 30 days with no answer. I do not want a new higher payment will sell in two years and pay them off. I feel they gave these loans before the mkt tanked and they should help customers who did not walk away from house and modify the XXXX until we can pay off or sell. I need a modification before they eat up what little equity I do have while they add late fees etc. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: National Commercial Services continues to attempt to extort money that is not owed. They have not, and can not provide any evidence that any money is owed, yet continue trying to collect and have even reported a delinquent debt to the credit agencies. Their client was paid all that was owed. They can not supply any agreement or contract that supports a claim for any payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX, our mortgage service agent, Seneca Mortgage, again informed us that they were changing their organizational agent. My mortgage payments were always automatically paid by our bank for many years. We have never been late. While in the process of changing the address and other information for the new agent with my bank, I was interrupted by a client emergency. After the emergency was over, I forgot to finish making the changes required by my bank. As a result, the payment for XX/XX/XXXX was not made. We did not discover this error until the next month because when Seneca called me they could not talk to me because the mortgage was in my wife 's name even though I am on the deed with my wife. By the time we received a new billing statement, we were two months behind. I received a call from a collection person and advised them that I would be making XXXX separate payments to bring the mortgage up to date. The agent did not say that this would not be acceptable. The monthly mortgage amount is {$2000.00}. All payments tendered electronically by our bank have been returned as follows : XXXX/XXXX/15 {$2000.00}, XXXX/XXXX/15 {$4000.00}, XXXX/XXXX/15 {$2000.00}, and XXXX/XXXX/15 {$6000.00}. Seneca will not except tender of our payments. I have written a certified letter to Seneca 's CEO and the CEO of my bank 's payment agent XXXX. I have contacted the Federal Reserve Board ; and, they have advised me that electronic transfers made by a bank are legal tender and must be accepted. 
I request that Seneca accept full payment for the months in arrears, correct my wife 's credit report to indicate that the late payments were caused by Seneca and waive all penalties and additional interest. Since I can not tell you my name, I do not understand what is meant by " My information ''. This concerns a mortgage loan that was from refinancing our apartment XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to correct the errors through TransUnion Online Dispute site, but the site does not function properly and I am getting nowhere. There does not appear to be other any way to contact them. They are including my ex-husbands information as mine. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. XXXX is a debt buyer and transferred me Stephens and Michaels and Associates. I informed Stephens and Michaels that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. Stephens then referred me back to XXXX. I called XXXX and they refused to speak to me about my credit report. they said I need to speak to Stephens and Michaels. I explained that Stephens and Michaels could help me. I told the woman at XXXX that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help u '' and quickly transferred me back to Stephens and Michaels. This is not my account and I want it removed from my credit. XXXX has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: See attached .pdf copy confirming payoff of a Citi Cards credit card account, for the balance stated of {$210.00}. This card was canceled/inactive approximately 4 years ago. Citi Cards has sent me a following bill for interest of {$3.00}, for the period XXXX/XXXX/2015 through XXXX/XXXX/2015. Once again, this card was canceled/inactive approximately 4 years ago. I called the Citi Cards customer service number ( XXXX ), and spoke to a representative who did not identify him self. I asked to speak to a manager in charge, and was refused. The Citi Cards representative did not resolve the matter to my satisfaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company ( US Bank ) is not reporting my payments after my chapter XXXX bankruptcy. The loan was not reaffirmed in the ruling. They also did not close a line of credit attached to my checking account, that is being reported negatively, which was part of the bankruptcy discharge. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied to Citibank and XXXX XXXX for their Advantage Card. They promised XXXX miles and {$100.00} if I qualify. Well, my FICO score is XXXX or so, so that should n't be a problem, I figured. They did n't approve, did n't write back, did n't communicate. I asked them for a reason over my secured email for the accounts I have with them, but they failed to communicate and also what is there to communicate. They know me as their existing well paying customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan out with Navy Federal Credit Union that has been awarded to my ex-spouse in our divorce proceedings that is still showing on my credit report. I have offered multiple times to provide them with a copy of the decree, but they were unwilling to accept it. This is adversely affecting my credit score and history and I would like to have it removed. The account has been charged off because my ex-spouse has refused to pay since 2013. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The information associated with each electronic transaction is no longer enough to use for personal protection from fraud. For instance, an entry dated XXXX/XXXX/16 from my bank ( Wells Fargo ) that supposedly tells me what a debit card transaction was for, reads as follows : " PURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX MD XXXX CARD XXXX CATEGORY BOOKS/MAGAZINES/NEWS '' There is absolutely nothing in this entry that gives me a recognizable name of the business where the card was used. Further, I did not choose the category that was assigned. Nor is there a contact phone number, which used to be given as a matter of course. In other words, I have no way of checking whether this is a legitimate transaction or not. If I were to call the bank, which I have done on other occasions, they have no more information than is listed here. I have not disputed this entry because I remember that I purchased greeting cards on XXXX for a small amount of money. Greeting cards correspond to the assigned category, but the purchase was not in XXXX and there is no store name ( it was XXXX ), so I 'm really taking a leap of faith here. It 's not enough money to spend the time on disputing it. I 'm bringing it to you because it 's such a clear example of the problem I see. 

An entry that I did dispute last fall had the transaction categorized as a credit card payment to a company I did not have a credit card with. I eventually realized that the amount corresponded to an automatic transfer to a SAVINGS ACCOUNT at that company ( XXXX XXXX XXXX ). But Wells Fargo never was able to put that information together. I withdrew the dispute, but I was the one who figured it out, not them. Wells Fargo said they had no control over the information that came from XXXX XXXX. XXXX XXXX said they had no control over how Wells Fargo processed the information given to them. I wasted a lot of time on something that could have been a real problem, but obviously was n't if the correct facts were transferred from one bank to the other. 

I ca n't protect myself from fraud without facts. Do n't know if there are regulations associated with this issue, but if there are n't there should be. Please help! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Navy Federal Credit Union ran my credit last week without any permission from me! I have open disputes with them and they ran my credit without any authorization from me! They DO NOT have my permission to ever run my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EXPERIAN HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Without Notice Citicard expired {$300000.00} worth of " Thank You '' points on my credit card account. I have paid my bill in full for over 20 years. 2012 I had over XXXX points and then come XXXX XXXX without notice they started expiring them. Since 2012 I continued to earn points racking up another {$200000.00} worth of points. I learned this pas Sunday that instead of the over XXXX points they owed me I had only XXXX points because that had expired XXXX points. Never on any credit card statement was I given notice the points were going to expire. Never was I sent a letter that the points were going to expire. Up to XXXX 2012 they never expired. But then they started taking them away. I have waited to reach enough points to take my family to XXXX and now that dream has been dashed by Citibank 's fraudulent methods. These were called " Thank You '' points. After being a customer over 20 years this is XXXX away to say Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a letter to XXXX regarding this school claiming I owed money on a balance. I received student loans for the semester a class was dropped before the drop deadline and the school added a balance. Per the school 's own policies and procedures this bill is invalid. I stated this to the school, XXXX, and the collection agency. They refuse to validate the debt I requested this on numerous occasions via email and through mail never responded. According to the law if a company refuses to validate a debt the debt is invalid and has to be removed from your credit report. I stated this to Transunion in my complaint they did nothing to fix the error. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A debt collection company named Nationwide Debt Management Solutions is contacting me regarding a debt with XXXX. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a 18 mo. CD at Ally Bank for {$75000.00}. They withdrew that amount twice with authorization for only one. It resulted in insufficient funds charge on the checking account from which it was withdrawn. They refused to interrupt the transfer and I was charged {$34.00} by my bank for the ISF. I received confirmation of only XXXX transfer but they still contend I made XXXX requests. The branch manager at my checking account bank called Ally while I was in the office and they agreed to return the second {$75000.00}. They will not pay the cost of doing so. I told them I wanted the whole transaction cancelled and they will charge me 60 days interest or approximately {$150.00} for the 2 days it was funded. I have been a customer for several years with Ally, but wo n't continue to be if I can find a way to remove my accounts from them without severe penalty. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX. My son is also XXXX XXXX XXXX he is XXXX XXXX XXXX and we both live at XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX, my son went to XXXX medical services. They have charged my credit report for failure to pay this bill. I am a member of XXXX XXXX XXXX since XXXX and I have had medical coverage the whole time. When I called the Gold Key Credit Inc of XXXX XXXX. XXXX to explain they made a mistake, they told me I had to get my son to pay! I am estranged from my son. My Cell XXXX and email is XXXXXXXXXXXX. Thank you for your attention to this matterXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing this complaint because Sterling Jewelers/ Kay XXXX is excessive in their attempts to collect on my account. They call me in excess of 20 plus times a day and leave several messages about the account. They sometimes call several times within the same minute from various numbers. I am not able to talk on the phone at work and I have come back to XXXX missed calls within a 4 hour period. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX was not correct. The statement had a double billing for XXXX XXXX in the amount of {$3200.00} for " Taxes ''. The Ditech error raised my XXXX/XXXX/XXXX payment to {$1900.00}, which is not correct. I contacted Ditech on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for resolution. Noticed a Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, which stated payment due of {$1900.00} on XXXX/XXXX/XXXX and payment due of {$1600.00} due on XXXX/XXXX/XXXX. I dispute the payment of {$1900.00} due on XXXX/XXXX/XXXX. I assert the payment due on XXXX/XXXX/XXXX should be {$1600.00} and moving forward the XXXX of each month. Contacted Ditech on XXXX/XXXX/XXXX to dispute their second error, and Ditech stated {$1900.00} due on XXXX/XXXX/XXXX and refused to correct their error resulting in the erroneous amount due on XXXX/XXXX/XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Trans-union has not made any attempt to update my credit report ( which was in doubt ONLY because the hospital had the wrong address for my daughter ). I first filed a dispute on XXXX XXXX when the debt was cleared. They refuse to acknowledge the initial dispute and are causing financial harm to my family by inattention to basic service of credit reporting. Then they try to sell me products at every turn. Shamefull 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I tried to dispute this, it just appeared on my credit report, it is n't mine I 've never had suddenlink. They say they 've already disputed it. They 're lying. It just appeared in 2016, I 've never, ever had suddenlink services, I 've never ever disputed this before because it 's never been in my credit reports before, and I can prove it. If they do n't remove it immediately I 'm going to sue them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response