AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am requesting hardship assistance. However I am being told I do not qualify for any assistance because I received a modification last year. I am also being told I had XXXX repayment plans, this is inaccurate. I requested a supervisor to contact me so that we could resolve the repayment plan discrepancy. But I have yet to receive the phone call. time is of essence i have no been referred for foreclosure action!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account with Bank of America in XX/XX/XXXX called " campus edge ''. I am told that in XX/XX/XXXX I received a statement notifying that my bank rules have changed and now I am going to be billed {$12.00} per month for not having a balance of {$1500.00} in the account. 

I find this unfair that if someone missed the statement warning they essentially bleed out their money. No email alerts for fees are sent out. Only " statement available ''. It 's a nice way to steal {$120.00} a year from small accounts that people forget about. 

I lost {$210.00} this way before taking back control. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've never lived in XXXX Indiana.. This is my x wife.. I 'd like to have removed from my accounts 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied on line to Mid America Mortgage for a FHA loan on-line. Their representative, XXXX XXXX took my application and issued a letter of qualification and sent me a request for some additional documents. I was not returning the documents fast enough for XXXX and he began to call me daily and become difficult to deal with. Finally, I told him to leave me alone and that I would get the loan elsewhere. XXXX XXXX then called my real estate agent and complained that I was not living up to the purchase contract for the property. Unbeknownst to XXXX, my real estate agent is my wife. XXXX was obviously using private information that I had given him during the application process to damage my purchasing the house because I would n't use him or Mid America mortgage. When I called him, he said that he had every right to do it and that I was the one in the wrong. He has violated the basic rule that my information is private between us and not for any use other than what I intended it for when I gave it to him. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have a mortgage with Wells Fargo. I became late with 3 payments due to lack of employment. I had consistent employment up to XXXX XXXX. I was paying my montly mortgage payments. I called to see if I could qualify for a payment plan and filled out the financial paperwork. This was in XXXX XXXX. I had gotten a temporary job for {$18.00} an hour on XXXX XXXX, XXXX. I also have a part-time job I work 10 hours a week. I sent them the paperwork and they denied a payback plan to me. Which is putting the amount I owe onto the end of my payments. I had a loan modification last spring ( not sure on exact date ), so I do n't qualify for that. I knew that going into this, so I asked for a payback plan. So the same day they called to tell me I was denied, I got a new position with the job I am at in a different department making {$25.00} an hour. I have to work to the end of the contract until they can hire me fulltime, so I appealed their decision and sent in more paperwork and they denied me on XXXX XXXX, XXXX. Meanwhile I ca n't make any payments and the amount I owe is growing to {$7000.00} and I am getting frustrated and angry with how I am being treated. So when she called to tell me I was denied, she told me I was denied for a loan modification. I told her I was not applying for a loan modification. The preservation specialist knew what I was applying for. I do n't understand how they got their lines crossed, but again they do it to me. I am very proactive in my life and also was with finding work and communicating with Wells Fargo, but they are not good at talking back to me. Confused!!!!! Please help????? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I would urge everyone to contact the Consumer Financial Protection Bureau and file a complaint against Ditech. This company and the Federal Trade Commission were able to levy a fine on Green Tree for XXXX dollars for mortgage failure. Ditech is just a reorganization of that old company. I have already filed several complaints against them. I was up to date with my mortgage until I paid early, now I am behind and facing foreclosure. They have not applied all funds to my account, and they have not credited my account for the actual amount that I paid. 

I suspect that they have altered my billing history, but I have no way to prove this. If everyone holds this company accountable, we can get our money back and our mortgage back on track. Go to this website http : //www.consumerfinance.gov/ and file a complaint today. I am going to sue Ditech if they do n't correct their accounting errors. There are also several class actions out there, XXXX for foreclosure after paying early and XXXX for Ditech giving insurance companies kickbacks. Good luck everyone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This was originally a XXXX Loan. Deutche started a foreclosure action and at some point XXXX tried to foreclose and was represented by XXXX XXXX Firm and now foreclosure is being aggressively pursued by Deutche Bank. There were notorious robo-signers ( XXXX XXXX ) and bank never had standing due to filing foreclosure action before they claimed to have owned the note. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Note : This Complaint was also filed through the Federal Reserve Form. They claim it will be forwarded to you. 

I have attached copy of a Check that a 6-8 week hold was arbitrarily placed on, claiming internal policy. 

Persists in placing 6-8 week hold on a Home Equity Line of Credit without clear cause and appears to be extremely arbitrary and contradicts Regulation CC in several ways. Refuses to Disclose Policy on Home Equity Line of Credit Checks, claiming they are convenience checks-not true. My Name, address, Routing #, Account #, and the name of the institution, ( XXXX ), clearly on the check. Also, Manager claims convenience checks immediately go into collections. No minimum timely release of funds as required by the Regs according to my interpretation. In reading Wells Fargo Policy in this area, it pretty much aligns with the Regulations, just not in implementation. 
Depending on whom you ask within Wells Fargo determines the many contradictory responses you received. ( Customer Service, Manager, District Manager, and now waiting on Executive Services for their take on this issue as they too were confused. 

From Reg CC ; ( 2 ) Basis for determination ; " No determination under this subsection may be based on any class of checks or persons. '' 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX is reporting a credit card account as being a charge off and it was included in my bankruptcy as shown on my experian report.No account can be charged off past the filing date by federal law according to the FTC.To report past the filing date is a violation of my stay and my confirmation that binds creditor and consumer at the time of filing.Also XXXX XXXX is reporting my bankruptcy date as XXXX and as a charge off in XXXX which is totally incorrect.My bankruptcy filing is clearly shown on my Experian report as XX/XX/XXXX.They also filed as a creditor for payment from any proceeds and were electronically notified by the court. I previously disputed and Experian investigated and verified this false reporting and did not remove or correct it.The FCRA says i am entitled to a fair and accurate report and investigation if i dispute.How thorough an investigation could have been done if Experian can not verify information shown clearly on their own report.I accessed my free report from XXXX and viewed it 2 times and printed it. I tried to access it again and Experian said i had accessed it to many times, and asked me again to send them forms of identification with any disputes.I previously on XXXX XXXX sent them the following by certified mail and was signed for by XXXX XXXX XXXX, copy of my D.L., copy of my utility bill and my bankruptcy schedules.So what next do i have to send a blood sample too. 

Company response: Company chooses not to provide a public response
Consumer complaint: They do n't remove creditors after 7 yrs, or when the creditor has been assigned to attorney they potentially negative closed status is on file or status unknown when collection paid this is true with XXXX bank, XXXX, and XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my credit report I found that Progressive Management Systems had reported a debt to my credit report. The debt was for approximately {$120.00}. The original " creditor '' is XXXX XXXX Hospital. I do not have any bills for anything I have n't already paid. In fact I reviewed my medical bills for the year that this debt was supposedly incurred ( XXXX ) and I determined that all the bills I received that year were paid that year. I also reviewed my Flexible Spending Account for that year and all the medical reimbursements and I can not find anything to indicate I filed a claim that matches the amount or the time frame for the alleged date of service. There were no FSA claims for XXXX of XXXX. I have asked Progressive Management Systems to forward any documentation for the debt but they refuse to give me any information citing HEPA law. I asked them to send proof of the debt to the address they have on record and they refuse to. I even had them on the phone with XXXX and they did not give me any information other than that the debt was allegedly incurred by my ex wife in XXXX of XXXX. I have spoken to billing representatives at XXXX XXXX Hospital and they verified that nobody in my family had any outstanding bills. I spoke to XXXX from XXXX hospital in XXXX and she verified and sent me a letter that as of XXXX/XXXX/XXXX I had a zero balance. When that was n't sufficient to have the collections account removed I asked XXXX to send me an itemized history of my bills that showed a zero balance. They sent me that document as well dated XXXX/XXXX/XXXX. Progressive Management still continues to report this debt to XXXX and has refused to show me proof that I owe that money. They have not sent me any documents to prove that I have signed any contract for services rendered or any contract that makes me liable for the alleged debt. I have attached the documents I am writing about as well as some letters that I have sent out to the credit bureaus and notes from phone calls regarding this debt. I never got the chance to dispute this fairly and Progressive Management Systems ' continued attempt to collect this money by adversely affecting my credit worthiness without any measure of due process goes against everything that sets this country apart from others. I am disillusioned that consumers have very little recourse from corporations that prey on defenseless people. Many of my friends have said that I should just pay it and move on even if it is n't mine. I am a XXXX ; {$120.00} is not an issue to me. I have no problem paying money that I owe, but I refuse to pay something that I am not responsible for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am the owner of the property at XXXX XXXX XXXX, XXXX, VA XXXX. I obtained judgments against the original " lender, '' XXXX/XXXX/XXXX, case # XXXX, for FDCPa and TCPA violations, and the " servicer, '' XXXX, Case No. XXXX, for the same violations. I also sent a UCC 9-210 via certified mail, to both parties, and they tacitly admitted that the mortgage balance was XXXX. The first Default Notice was mailed on or about XXXX XXXX, XXXX, so the 6 year statute of limitations for both the UCC and the state of Virginia is well past that point. I rescinded the " loan, '' on XXXX XXXX, XXXX, by sending notice via Certified Mail, Return Receipt Requested to the alleged lender, Bank of America, N.A., and to the alleged servicer, XXXX XXXX XXXX. The US Postal ID number was XXXX for the former, & XXXX for the latter. I recorded a " Notice of Interest in Real Property '' in XXXX XXXX, VA, along with an affidavit.Pursuant to the Truth in Lending Act ( " TILA '' ) 15 U.S.C. 1635 and 12 CFR. 226.23, the rescission was effective the moment it was mailed ( see XXXX vs XXXX, XXXX XXXX ). Please notice that that decision said very clearly that TILA does not make a distinction between a disputed rescission or an undisputed one-in either case, any lien holders who wish to dispute the rescission must do so with a lawsuit, WITHIN 20 DAYS, otherwise their rights are gone forever-and they are obliged to return the canceled note, reconvey the property, and return all payments and closing costs to the owner. Not only did Bank of America and XXXX not follow that requirement, they are trying to commit fraud in collusion with XXXX by the attempted foreclosure of the home ( see attached ), by foreclosing on a home where the note and mortgage, by operation of law, were voided back in March-and they did NOT exercise their right of contesting the rescission within 20 days. A couple of recent blogs by noted foreclosure attorney XXXX XXXX shed light on what B of A are trying to pull-indeed, in the first article, XXXX was fined massive damages because of their fraudulent behavior, and when I last checked, XXXX XXXX, XXXX was nowhere to be found in the county recorder 's office. In the XXXX blog, which discusses the XXXX decision from XXXX, he had rescinded years ago, but was foreclosed on anyway, and now the court threw out XXXX Bank 's motion to dismiss. Incidentally, none of the categories below really fits, but I checked " Problems when you are unable to pay, Loan modification, foreclosure. '' XXXX https XXXX I also add that all of the parties are violating XXXX XXXX & XXXX XXXX deceptive trade practices against an elderly person, as well as my civil rights ( law of XXXX, attached ) by trying to deprive me of personal property without due process ( which is true of any deed of trust state, btw ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Twice in the past 6 months I have written a check to my mortgage company for a PRINCIPAL ONLY payment. My regular monthly payments are auto debited each month from my bank account. I have indicated this on both of the checks that the payment is for principal only. In both instances Ditech chose to apply the money toward future months ' interest without my permission. My intent was to pay down the principal balance and they continually apply it to interest, and some cases escrow, on their behalf. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a XXXX XXXX XXXX XXXX and Veteran. I am applying for a VA loan. However, my estranged husband abused my credit, changing my credit from excellent to poor. XXXX of his accounts is incorrectly listed on my credit report. I filed a dispute to remove an erroneous account from my credit report. The credit provider, XXXX XXXX, provided evidence the account does not belong to me, then proceeded to delete it from my XXXX file, Transunion file, and XXXX file. XXXX and XXXX updated my report immediately. However, Transunion refuses to remove it because they tell me they have 30 days to resolve the dispute. After speaking with XXXX other employees, I was transferred to a supervisor by the name of XXXX, then to his supervisor XXXX, then to her supervisor XXXX. All XXXX employees subordinate to XXXX verified the evidence from XXXX was in my file, XXXX, however said it was not there. I asked to speak to her supervisor, but she refused. Ultimately she offered a 48hr call back, then hung up on me when I asked to speak to that person 's supervisor. 

I called back, spoke with XXXX before who transferred me to XXXX. I told XXXX the situation and that I am in process of filing a complaint with the FTC and a congressional inquiry. I asked for the name of the supervisor in-charge of the special handling division. After putting me on hold, she said she was unable to give out that information. I tried to find the information online, but was unable. The bottom line is, the erroneous account belongs to my husband. It is preventing me from getting a VA home loan. My husband abused my credit cards, which caused my excellent credit to be damaged. But the biggest issue precluding the loan is the account in my husband 's name. Transunion has a policy wherein, if multiple disputes are being investigated, they will not update the account until they resolve all the disputes even though the disputes have nothing to do with XXXX another. I would like a remedy in the form of this erroneous account being taken off my report. The customer service at Transition special handling division is deplorable in the special handling branch. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi my names is XXXX XXXX and I 'm very upset with regional acceptance corporation it has over charged me from the beginning of and has n't fixed the problem my payments have XXXX but i was told that my payments would be XXXX and it has n't been no where close to this the car has a warranty but they charged me for another warranty that i did n't need among other things i was promised that i would get my spear tire but i still do n't have one and i need that cause i attend college and you never know what will happen i want my payments to be reasonable like i was told when i purchased the car also they applied Gap insurance on my car with my knowledge 

Company response: Company chooses not to provide a public response
Consumer complaint: Was informed by way of my XXXX XXXX account that I have a delinquent account with a balance of {$840.00} with XXXX XXXX as of 2015. I do not have XXXX XXXX as my cable/internet provider. I have been with XXXX for the past 3 + years. This item is not mine and I want it removed. 
Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened up a Sears Citibank MasterCard XX/XX/XXXX because a Sears Representative encouraged me to do that to get a {$15.00} discount on a jacket I was purchasing. I was one day late paying the outstanding balance of {$76.00} and a did n't realize a {$29.00} late fee was smacked on until my next account Statement. My husband contacted Customer Service on XXXX XXXX, 2016 and they said they would reverse the late fee payment if I called in. Due to some personal life crisis, I did not get a chance to call until today, XXXX XXXX, 2016. I was astonished to find out that my account balance now has another late fee of {$29.00} that was tacked on XXXX XXXX, 2016. I asked them to waive XXXX late fees since they were honest mistakes but the customer service rep said that I had to pay the outstanding balance of the XXXX late fee charges to do that, which made no sense to me at all. I asked to speak to a manager and the manager was no help at all. She said she could waive XXXX late fee but I had to pay the other late fee in order for her to do that. It was an awful conversation and the worst customer service experience I 've ever had in my life. At this point I feel like I am forced to pay the late fees or Citibank will keep adding on late fees and profit from this. Out of principle and to protect other customers, I am filing this complaint in hopes that Citibank will discontinue this unconscionable practice of adding these excessive and aggressive late fee charges. My credit is excellent and I wish that I had a better experience with Citibank. After my phone call with their Customer Service Department today, I want to have nothing to do with Citibank ever again except to have them do the right thing, which is to waive the XXXX late fees. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2014, I ordered XXXX Internet service from XXXX. I had it a few months but never bought the computer I was supposed to. I called them and explained. They billed me for the equipment of {$350.00}. They agreed to send me a prepaid mailing box, return the equipment and then send me a letter of satisfaction. They never did. I disputed this on my credit report and won ( XXXX ). I now have a collection agency asking for the money. I do n't know what else to do? Account Number XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was on the phone with them for appx. 45 minutes. They kept switching me to person to person and nobody could help me. After 45 mins on the phone and a XXXX, I decided to write them. Can you please help me? I can send proof of my credit report that is was won. Thank you. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Synchrony bank is still reporting my accounts with XXXX, XXXX, and XXXX as open and charged off when they have all been sent to collections and have since been taken off my Credit report I would like Synchrony bank to remove these XXXX accounts from my credit report since i have already taken care of them. please i called and spoke to a representative who was uncooperative and unwilling to help me I am trying to repair my credit so that i can buy a home for myself and my son and i hope XXXX day to be customer with synchrony bank again 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I went to Wells Fargo bank in person in XXXX nj to close my account. I signed card at bank and withdrew money I had left in account. I was told account was closed and at XXXX balance. In no way did i authorize any transactions after the account was closed yet transactions continue to be put through. I have contacted all merchants as well as the bank and filed a dispute for each attempted transaction. Wells Fargo is the worst bank I have ever dealt with. 

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