AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My wife and I bought a house and closed on XXXX/XXXX/XXXX. At the time that we bought the house the taxes per year were {$900.00} a half because there was a tax abatement that we were not made aware of. The title company collected the {$900.00} from the seller XX/XX/XXXX. We have just received our tax bill for XX/XX/XXXX and the bill is {$1500.00}. That is about {$640.00} more than was expected. I called my mortgage company and they have stated that they paid it, but our payment is going to increase by over {$200.00}. I called the title company and they stated that they are not responsible because they based the tax on XX/XX/XXXX. I can understand that the taxes have gone up even though no one has explained the abatement to me, but for me to have to pay the {$650.00} in tax for a time period in which we did not live here is unacceptable. I would like to be advised on what I can do with this issue. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: when I was issued USBANK credit card it was disclosure about interest rate and term that I agreed, my point in credit cards XXXX, XXXX and XXXX since they are dealing withmoney that credit cards co must protect their clients against fraud and identity theft, on XXXX/XXXX/XXXX I purchased item that was defective and incorrect power source, since the item coming from XXXX, since I paid with my XXXX card, USBANK must disclose the transaction to me that if paying with XXXX if returning the item you are responsible for shipping cost if your item is defective and wrong not only did that it also caused stress and financial injury for not disclosing it at time of purchase than must pay the cost and compensate me for stress and financial injury and CFPB must panelize them. I think the XXXX committed fraud and knowingly shipped the defective item with wrong power source and since the cost of shipping is about {$210.00} I will not be able to return it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Horizon Card Services was a rip off card service that I used back in XXXX and quit using in XXXX. I have been having problems with them closing out the account and I have tried many times. I just checked my credit reports and it is still showing as open. I last contacted them in XXXX XXXX and there is still no resolution. They keep trying to keep me on as a customer and I do n't want to be and I owe them no money. I am tired of calling and asking them to close my account as it seems they never will. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a bank account checking account because I had no other options. I was on XXXX. I do n't remember signing up for overdraft protection and I git hit with multiple overdraft fees. I think they reversed XXXX XXXX I got hit with over XXXX fees in a row, I hen asked then to turn off overdraft but they continued to charge overdraft fees on subscriptions I had. They said I have to have the balance current. There is no branch in my state so I ca n't make deposits either to make my account right. I asked to close the account but they refused. Now I will be charged negative balance fees. Please see my statements. I do n't mind paying a couple fees but they just do n't stop. I cant get them to close the account I am trying to make a new start I just filed my BK case today and I am low income. This is not helping me. That 's why I chose Suntrust. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I initiated a dispute on my CitiBank XXXX credit card for charges done in XXXX XXXX. In XXXX XXXX, I paid to replace the catalytic converter on my vehicle. In XXXX XXXX the part failed and the merchant ( auto-mechanic ) replaced it. The part again failed in XXXX XXXX. After repeated attempts and failing to resolve the matter with the merchant, I submitted a dispute in XXXX XXXX. With my dispute I submitted supporting documents from XXXX that the catalytic converter had never been replaced or was replaced with a used part. I contacted the CitiBank dispute department starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these conversations I was informed that CitiBank would do a COMPLETE investigation of the dispute. On XXXX XXXX, XXXX, I received a letter indicating that do to the lapse in time from the original charge date to the date I initiated my complaint, there was nothing they could do. I called CitiBank dispute department on XXXX XXXX, XXXX and spoke with XXXX, who informed me that XXXX sets its time frames for disputing charges and there was nothing CitiBank could do. I spoke with XXXX the supervisor, who informed me that there was nothing they could do and had to abide by XXXX investigation policies. 

CitiBank did not disclose at anytime that my dispute was out of time frame in addition to making no attempt to contact the merchant that my dispute was against. In XXXX XXXX, CitiBank asked for additional documents for this " investigation '' which I submitted in a timely manner ; however, there was no actual investigation done since according to XXXX policy I was out of the time frame. In XXXX XXXX and XXXX XXXX, I called the CitiBank dispute department and I was informed that the investigator was waiting for a response from the merchant ; yet there was never correspondence sent to the merchant regarding this dispute. 

CitiBank intentionally withheld critical information regarding my dispute time frames. CitiBank also misled me when I was informed on multiple occasions that the dispute was under investigation when in actuality nothing was being done on their part except to collect documentation from me. 

The letter received XXXX XXXX, XXXX should have been sent to me in XXXX XXXX when I still had the ability to locate the merchant and not 90-days after the fact. CitiBank was aware of XXXX investagtive policies yet they allowed the account to accumulate interest charges and waste my time. 

This is bad business. I applied for a credit card with CitiBank and they failed to protect me. They allowed a fraudulent merchant to take advantage of me. CitiBank led me to believe they had my best interest at heart and all the while they did nothing during this supposed investigation. CitiBank was the issuer of this credit card and should be responsible for protecting the consumer. CitiBank failed and did a poor job of protecting me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX company list that i went into forclosure. I never did. I borrowed money to prevent that from happening before I was able to sell my house. This is shown only in XXXX report of XXXX. I sold the home well in advance of going into forclosure. I request that to be changed to an accurate standing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm requesting for Specialized Loan Servicing to respond immediately to XXXX XXXX XXXX and provide proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. I want a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I reviewed my credit report from experian and saw that a telephone # XXXX is listed as my residence. This is a family residence and I do not live there. The correct residence telephone # is XXXX only. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a new home phone number XX/XX/XXXX. Since then I have been receiving calls from Macy 's Credit Operations concerning a person named XXXX XXXX. I have told them each time that there is no XXXX XXXX at this phone number, but they continued calling. Finally, I decided to write down the date and phone number of each call. They are as follows : XXXX XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I took a loan out with regional acceptance Corp with a XXXX XXXX in XXXX XXXX, My payments were XXXX a month. I have been paying XXXX a month for over 4 yrs and my loan is still over XXXX. The money that I paid over the yrs have went to interest only. I was told I should be caught up on the loan but the company said I was a month beyond when I was paying every month .. The customer service is Rude and harassing.. They repo my car on XX/XX/XXXX with all my personal belongings and tag. I was not notified as to were I could pick up my personal stuff and tag. I do n't know where my stuff is. They are supposed to notify you and give you a option to pay .etc ... I lost over XXXX for a car only worth XXXX and they still wanted XXXX more. Can someone please help me? This is a scam and a rip off company. How many more people have they gotten like that 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have requested identification of original debt for this debt collector. We do not have any open debt that relates to the account # they are claiming. Furthermore - despite repeated attempts for copy of original debt, we have received nothing. We are receiving sporadic debt collections mail, pre-recorded phone calls. This harassment is impacting our health as well as our credit rating and want this to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Nationstar Mortgage has failed to respond to our requests and clarification of the following : 1. They are not crediting or applying the correct payment amount we made towards the principal since XXXX 2016. 
2. They created an escrow account to pay the property taxes and the home insurance without our knowledge and/or consent. 
3. They made payments for the property tax for a bill we had already paid on time, they also paid the home insurance that was not due until the end of XXXX, 2016 4. The Tax Collector office rejected the duplicate payment from Nationstar and sent the money back to them ; however, Nationstar still has an escrow balance on our account even though the Tax Collector returned the money to them We have several requests in writing as well as by phone to correct the principal balance, which is off by about {$5400.00} to no avail. We get transferred from one person to another and they promise to send an explanation letter but they never do. 
We requested to close the escrow account since we are taking care of the property tax and home insurance ; they still have the account and the balance due for something we do not owe. PLEASE HELP. 
Nationstar has refused to modified our loan twice, the current rate on our loan is 5 % which is about 1.5 % above the current rate 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My credit score is being lowered by having multiple variations of my name appearing on my credit report by all XXXX major credit bureaus. In addition, there are names appearing on my reports that are n't even mine. For consistency I want My full first name and last name. That is all I want. After disputing this issue they still have n't made the changes. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian sent me a notice saying that my address had been altered on my credit report, based on information supplied by a creditor. This was erroneous info. When I checked my report I found that I was " also known as '' variations of my name that I have never used. I complained, and Experian corrected my report, but e-mailed me a report that has a " variation '' of my SS # recorded, which I also have never used. I think it is a great wrong and misuse of power for credit reporting companies to accept false or mistaken info from creditors, some of whom the consumer may not want looking at his report because he does not desire to do business with them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a XXXX membership and a XXXX XXXX XXXX card. When I learned one year ago that XXXX would discontinue this relationship, I called XXXX XXXX to tell them I did not want my card transferred to another company without my permission. I was assured it would be my choice. My XXXX membership ended within the past year. I cancelled my XXXX XXXX card over one month ago. XXXX XXXX let customers know that they would be getting Citi cards only a couple months ago. I then called Citi and was told there was nothing they could do at this time. Today, I received a note that I would be issued a Citi card even though I have expressed to XXXX, XXXX XXXX and Citi that I DO NOT WANT A CARD FROM CITI. I called the phone number and was told that I WOULD be getting a new card and had no say in the matter as " This was all put together a year ago and we do n't have any access to your information until the deal goes through on XXXX/XXXX/16. So we have no access. '' I said, " But it says my new card will arrive in XX/XX/XXXX, so you must have access, and I demand that you close that account. '' I was told that Citi could not help me. 

This is absolutely aggregious, because, not only did I not request the card, I requested of all parties that I not be issued a new card. All parties above insist there is nothing they can do. What will occur is that I will get a card and have to immediately close it, and likely it will negatively affect my credit, showing as a short term account and decreasing my length of credit account marks on my credit, especially since I had already closed my XXXX in the same year. Since I am not a XXXX member, the CITI card has no use to me. 

How this could be legal confounds me. I believe this should be highly ILLEGAL. I also believe it is fraudulent with the way customers have been dealt with over the past year. Customers and their private information should not be traded between banks without their say so. 

I have attached the letter received today. At the bottom, it says that to get a card you must have an open XXXX account. However, the woman on the phone, who did not give her name, told me I would receive one no matter what. She was extremely rude and seemed to enjoy denying my request. 

Please note that your form requests the credit card number. They have not issued the credit card or account number at this time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I entered into a mortgage modifaction with ocwen mortgage thank took several months to get after hundreds of phone calls and sending information that they required for the mod several times. I entered into the mod that was to begin in XXXX of XXXX. I was told to have an amount of money in the bank by fed of XXXX that they were going to withdraw on or before XXXX XXXX XXXX in witch they did. then the agreement was to begin making my need discounted payments in XXXX of XXXX. I made all my payments on line and on XXXX of XXXX it would n't allow me to so I called them and I was told by them that my mod was cancelled for not making the down payment I was to make in XXXX. So I told them at that time that I did make the payment and you took it out of my account on XXXX XXXX XXXX. They told me that I was not in the modifaction till XXXX XXXX so that is did n't count for that and they used that for back payments. At that point I could no longer trust or make any other deals with ocwen. I have made hundreds of calls to them that goes direct to XXXX and you can not understand any of them. In XXXX they pad locked me out of my home and still have not forclosed on his home and are every month reporting to my credit for not paying. I have all documents showing that I did everything I was told to do door this modifations including all bank withdraws contracts showing all the dated and a letter from them stating why the mod was cancelled. They have no right to stop this mod and are now holding my credit hostage and are still calling me to enter into another mod 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from XXXX XXXX XXXX since XXXX/XXXX/XXXX. I just today ( XXXX/XXXX/XXXX ) have been notified of XXXX XXXX XXXX selling my loan to a company called Shellpoint Mortgage on XXXX XXXX, XXXX. I have not received any letters of this transfer and had no knowledge previously. I called them today and they told me that the loan was just today sent over to a loan modification specialist for review. They had 14 days to do that already and they have not done so until i called them. Also they are saying that there is a foreclosure sale date scheduled on my home for XXXX XXXX, XXXX. They said that they do not have to file/ record a new Notice of Default and Notice of Trustee Sale and the sale will stay the same from the old servicer. So essentially I only have Monday to get any documents in to Shellpoint mortgage to finalize the review for a potential sale postponement. The servicer is not giving me a chance to apply and be reviewed for a loan modification.I only have ONE day to do anything for my loan modification. I did not even have a single point of contact assigned before today 's date so that they could review my loan modification. How is this company operating. 
This company is so violating right of mine. 
California Homeowner Bill of Rights. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTS The California Homeowner Bill of Rights became law on XXXX XXXX, XXXX to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Cottonwood Financial sent me a letter dated XXXX/XXXX/16 but they sent it to collections about 2 weeks later, I was never given an opportunity to make arrangements. I received a call from XXXX XXXX XXXX, XXXX of the reps called me a liar. I advised him that I am working with an attorney on several options that may include filing bankruptcy but its not my only which I told Cottonwood Financial and the collection. I do n't know why they sent me a letter dated XXXX/XXXX/16 but sent it to collections 2 weeks later. Why would they do that? The rep at XXXX XXXX XXXX was very rude towards me because I told him I did not know if I could file bankruptcy, he tried to put words in my mouth. One of the options given to me is to pay the company back what I owe them which is {$600.00} and I already gave them {$120.00} so if they will accept the {$470.00}, I will mail them a money order to their corporate address in 3 weeks after this agreement is accepted. This situation is becoming unbearable at this point and I do not want to lose my job over this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed a complaint on SELECT PORTFOLIO, I just received their response, it is dated XXXX XXXX, 2016. I am responding to their answer. What they are stating is not true. They never offered me any of the things they are stating they offered me. 
I had a lawyer trying to get a modification from them and they refused to give it to me. They stole the Equity on my home. 
I worked hard to buy my home and worked to make my payments all of the years that I had been paying on my mortgage. To think that something like this could happen is unreal. From the moment XXXX had my mortgage it has been a downhill spiral. Then XXXX got it and during the transfer of the mortgage every time payments went unreported trying to say I had a late payment which was not true. When I send proof and dispute it they sell my mortgage. Select Portfolio did worst. They filed foreclosure illegally. I just filed CHAPTER XXXX XXXX BANKRUPTCY TO KEEP MY HOME. I DO N'T WANT TO LOOSE MY HOME OVER THIS ILLEGAL SCHEME. THE PAPERWORK THAT SELECT PORTFOLIO SENT ME AS AN ANSWER TO MY COMPLAINT IS ALL LIES. THEY NEVER TRIED TO HELP ME. SOME OF THE PAPERS HAVE DIFFERENT INFORMATION AND ADDITIONAL INFO. 
FROM WHAT I SIGNED. Papers were robo signed as well 

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