AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Performed balance transfer to other CC from a CITI Card. Transfer was posted to new credit card the day after due date of old CITI Card. CITI Card is now charging late payment and increased interest rate on remaining balance and new purchases even though they they had to receive payment from new card due to it posting the day after the CITI Card due date. CITI Card is now refusing to return charges and return interest rate back to normal. 

Company response: Company chooses not to provide a public response
Consumer complaint: Cocentric Recievables has been reporting a negative account that does not belong to me. I sent in a dispute to them and asked them to investigate this, and delete it from my credit file. They never responded. They also never changed the status of this account to " in dispute '' with the credit bureaus. This was almost 5 months ago! This is unprofessional and unfair! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX i was turned down for a apartment XXXX in XXXXXXXX due to a past rental debt/judgement that i was unaware of with XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and property mangement XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OfficeXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of my lease XX/XX/XXXX i complained about several repairs needed to the property such as Air conditioning not fully working properly, and suspected mold showing in the home. I as well as my families health deteriorated in the home, and served XXXX letters certified as stated in the lease. I also went according to the attorney general page to look for direction on this. I am upset because XXXX XXXX took it upon themselves to serve an ILLEGAL Eviction when their was no one in the home, they were notified of the reason that i was leaving per my lease. I have served the property management XXXX a letter and they are stating they no longer are over the property and that i would need to speak to XXXX XXXX who does not reside in the XXXX area. I wish to have this infallacy removed from my credit and also i will filing a civil suit against XXXX XXXX. Please assist with this matter before it turns to the court. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are first time home buyers. We bought our home in XXXX our mortgage was with XXXX for about XXXX months and then was bought out by GreenTree. In the year of XXXX our taxes had gone up from XXXX to XXXX. When we received our Escrow yearly statement XX/XX/XXXX it stated our mortgage was going up. We had the option to pay {$900.00} for the shortage with a permanent increase or do n't pay the increase but that too would be added in the new mortgage amount for a year until it was caught up. I paid the {$900.00} and mortgage went up over XXXX dollars more monthly. I was devastated as my mortgage is at a 30 year fixed rate XXXX FHA XXXX. My mortgage was {$2200.00} and climbed up to over XXXX and that was after I paid the shortage. There have been no tax hikes since then. This again, XXXX XXXX, I received my escrow yearly statement and again the mortgage company stated they were raising it yet again. Same exact thing as last year, I could either pay the {$900.00} shortage amount or it would be rolled into the new mortgage amount, this time it was even worse, my mortgage is now up to {$2500.00} dollars monthly, I could not afford to pay the shortage. I am so afraid of losing my home due to all of this as it does n't make sense. I called GreenTree and spoke to XXXX who is the supervisor, she was of no help and could n't really answer any of my questions. My taxes on my escrow are over {$4600.00} I asked her why, because they are XXXX yearly. She told me it was a projection for next year in order to protect me, she also told me that should could n't promise that it would n't happen again for next year! I told her, your company told me the same exact thing last year and that thank XXXX I had the money to pay the shortage then, as I would be in big trouble due to the hike in the mortgage this year. It 's no wonder people are losing their homes. She offered no help what so ever. I feel like something is n't right with this type of practice. I can not pay over shortage this year which is {$900.00} dollars again, now I am forced to pay {$2500.00}. I said to XXXX that this is supposed to be finance company, and their projections have been horrible, she said it was their fault as I was n't assessed correctly from last year. I told her, so I have to pay for your company 's mistake? How can my mortgage keep permanently climbing every year with out anything to show for it? There is nothing in my escrow, where is all my money!!!! I would deeply likely an investigation done on this company. I am so fearful this is going to happen again next year. I do n't want to lose my home. I have a XXXX spouse and just ca n't afford to pay much more in my mortgage. What ever is being taken from me, I want it back and I want to pay for the mortgage I signed on for in the beginning of all this. I have n't even owned my home for XXXX solid years and my mortgage has been raised over {$300.00} dollars per month. 

Any help would be greatly appreciated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX I received a letter from ; XXXX XXXX Employee for Bank of America for my correspondence and documents needed to process my loan modification application. The letter also stated if you do not contact us within 15 days from the date of this letter XXXX XXXX. 2015 your case will be closed and your home loan will return to normal servicing. Note : XXXX XXXX on about XXXX My husband XXXX XXXX called:XXXX Requested to speak with XXXX XXXX in reference Loan XXXX He was denied to speak with XXXX XXXX XXXX by B.O.A. Home Loan Team Texas Office Employee XXXX XXXX concerns surrounding the process of speaking with XXXX submitting documents several times with no correspondence from XXXX regarding the Loan.Employee XXXX XXXX stated she would have XXXX XXXX XXXX call at XXXX XXXX. Note XXXX XXXX never called XXXX at XXXX as stated. 

Company response: Company chooses not to provide a public response
Consumer complaint: in reference of complaint # XXXXwhen branch was giving me run around for three cont. days, first day as per XXXX that they could not find my original papers and waisted my couple hours then second or third day i noticed XXXX staff members included one lady wispered on the side and that lady approched me with blank form and asked me to sign on this and i refused to sign that blank form. 
now in this branch so many cameras and challange to you that go ahead watch those videos from those days. you will find all type of illegal activity. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home loan has been transferred from XXXX, then XXXX, SLS secure loan services, all three of them told me I would qualify for a modification yet to the date SLS gives me the run around sends me all the information and never return a call to see if I qualify then I call and they say yes we got your paper work but the time limit had expired, I 'm like what?? Then they go also, u forgot to fill in certain sections, so it 's expired I have to send you another package I have had XXXX packages and according to them they are wrong now I 'm facing foreclosure and there I 'm loosing my home and no modification, I think this company is just a answering service cause they just do the same thing over and over and I 'm sure there is other people who are going through the same thing, this company needs to be looked at, there is something very wrong here 

Company response: Company chooses not to provide a public response
Consumer complaint: At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: CITIBANK FAILED TO ADEQUATELY RESPOND TO MY COMPLAINT AND REQUEST FOR ASSISTANCE AND RELIEF FROM CANCELLATION OF MY " HARDSHIP PROGRAM '' WITH THEM. 

I WANT TO RESCIND THE " HARDSHIP PROGRAM '' AGREEMENT BASED ON FRAUD, MISREPRESENTATION, AND DAMAGE FOR USORY AND UNFAIR BILLING PRACTICES 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX. Consider keeping your old accounts open. 
***REMEMBERING ''THE BELOW STATEMENT FROM EXPERIAN '' ... ... ***The length of your credit history is considered by many credit scoring models, so your old accounts may be doing more for you than you realize. The longer that your positive payment history is, the better it can look to creditors trying to discover how long you 've handled credit responsibly, and have been in good standing. Old open accounts can show creditors you have been savvy with your credit use for an extended period of time, which can make them feel more at ease. 

***PLEASE HAVE ''EXPERIAN CREDIT AGENCY '', TO PUT BACK ON MY CREDIT REPORT THE OLD ( XX/XX/XXXX EXTABLISHED ... WITH ''XXXX CREDIT CARD '' ... .THRU XXXX ... .THAT WAS TAKEN OVER BY : XXXX XXXX. 
I NEVER MISSED ANY PAYMENTS ... ... NEVER LATE SINCE XX/XX/XXXX. WHY? WAS THIS TAKEN OFF ....? I NEVER MEANT FOR THIS ITEM TO BE TAKEN OFF BY ''EXPERIAN ''. 

PLEASE RESTORE THIS ITEM, WHICH WILL IMPROVE MY CREDIT SCORE, WHICH NOW STANDS AT : XXXX ... ... ... ( REMEMBER I WAS AT : HIGH OF XXXX .... ( XXXX ... .XX/XX/XXXX ... ... WHEN I WENT TO XXXX TO GET MARRIED & HAVE MY SON. 
CAME BACK TO FIND THERE HAD BEEN XXXX COMMITTED ON MY SSAN & NAME. 
PLEASE ADD THIS CLOSED CREDIT CARD FROM : ''XXXX '' ... .. ( XXXX XXXX CREDIT CARD ) ... ... RESTORE TO MY CREDIT FILE. 
Thanks., XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: calling on Sunday night late 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The accounts showed in my credit report are not mine. The accounts belong to a family member with a similar name. Therefore the score calculated is someone elses. I also saw XXXX account in collections which does not belong to me. Again issue of incorrect ownership, belongs to a relative and not myself. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with ExperianXXXX. XXXX deleted the account per proper reporting information. Experian changed the account and update it to fall off XXXX XXXX which is very incorrect information. I am uploading a copy of that report from Experian as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was tied ti my daughter student account with additional checking and savings. My daughter was only allowed to use the ATM with her student account. In doing so she deposited a check through the ATM which was a fraudulent check she withdrew {$200.00} at that time. I was in another state when she was doing this at college. Since it was a fraudulent check all of our accounts XXXX of them were closed and filed with companies so as to never open up an account again with any other bank. I have since lost XXXX jobs because of this filing and I 'm not able to open up my company again because I can not open up banking account. I need help with this resolving as I have tried to fight with first response and security companies to allow me to make a living I am now destitute. I can not find myself to make a living to feed my family. I 'm a single parent and had a woman own business. please help me to put my life back together. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re : Illegal credit card interest billing practices at Bank of America , N.A . 
To The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Bank of America 's auto debit program. 
Bank of America illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. 
I am writing to bring your attention to the illegal interest billing practices actively in Bank of America 's billing system. 
I am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion failed to conduct an accurate investigation of my complaint. My credit report still list XXXX XXXX as an open collection account. There are a XXXX of things that are in correct here. This is NOT the first time I 'm disputing this woth Transunion. Generally I get a generic response that they investigated. Yet I get no details as to how it was done and who they spoke to. 

1. XXXX is trying to collect on a XXXX account that have been paid off. 
2. XXXX is a collection company. The status of the XXXX account should not be " open ''. An " open account '' that is in collection is a different from an account that has been sold to XXXX as a collection. 
Please see attachment for a visual as to how it 's currently shown on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card through XXXX XXXX and XXXX XXXX. They are constantly reporting everything on my report twice which affects my credit score in a negative way. I have ask them to stop doing so and they refuse. And the XXXX agencies will not removed double reports even though it is the same exact report. 

Company response: Company chooses not to provide a public response
Consumer complaint: ( 1 ) The quick and dirty is my house was foreclosed on in XXXX. In XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XXXX, in part, because I was still on XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XXXX this year, in XXXX XXXX, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: CitiMortgage owes me an funds for overpayment. Multiple unknown and unauthorized transaction activities have occurred since at least XX/XX/XXXX. Loan originated XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid collection through one company, and they sold it again to another company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: in violations of the federal governmental housing regulations per the home loan mortgage foreclosure procedures by law the bank first legal step was to file and have me served with a NOTICE OF DEFAULT in missing payments of the mortgage loan in a non judicial filing the notice of default should have been filed with the XXXX recorder office where my real estate property is located per a judicial court foreclosure filing the XXXX court should have served me with a court complaint with a case number concerning the notice of default as the homeowner legal rights by law to payoff the total default loan amount and stop the the bank foreclosure process and this procedure by law should have only been taken AFTER the bank made all legal efforts to modify the mortgage loan for refinancing AS THE BANK DID NOT COMPLY AS TO BE IN COMPLIANCE WITH THE XXXX STATE AND FEDERAL AGENCIES LAWS BEFORE EXECUTED AN IMPROPER HOMEOWNER 'S FORECLOSURE EVICTION thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were having financial problems and applied for a loan modification with US Bank. The application was processed, but I failed to list a few expenses, so was told by a representative to resubmit. I resubmitted, but was then told I was approved for a repayment plan, which over doubled the payment, and could not reapply until the prior one was closed. I advised I only did what I was told. I ended up having to submit an application approximately XXXX times and each time was told the file was incomplete and closed, yet when I asked what was needed, was told nothing. I had submitted everything necessary. The process took over a year to finally get a result. The last time I resubmitted, the file was denied for rental income on a property that was not listed on my application, nor was referenced with my credit file. I advised this is not my property and there is no rental income. The file was denied, yet again. I spoke with my contact person, who confirmed it had been closed and for a wrong reason. She had also advised them this property was not mine. I emailed the president of US Bank at that time. The following day I receive a call advising to reapply. I told the individual I refused to reapply for the XXXX time, and the error was on their part. He resubmitted the file as it was, and it was then approved. The length of the process cost me excessive attorney fees due to a foreclosure process. I completed the trial plan, and also the modification. A partial claim was filed, which resulted in all the fees and arrearage being rolled into another mortgage. A few months ago, I made a payment over the phone, which the associate from US Bank input the information incorrectly. Results, the payment returned for an incorrect account number. The call for the payment was reviewed, and confirmed the bank made the error, again. Today, I still have a charge on the account for the returned item from the bank error. I have spoken with several people regarding this fee, to only be advised they do not know if they can remove it or not. I explained the fee was not due to my error or returned check, but due to the bank 's error. Still, they would not remove the fee. I have since advised the bank not to call my cell phone, but I still get calls at various times of the day and at times, 2-3 times a day through their dialer. I answer when the calls are received, only to have the bank hang up. Over the life of the loan, I have had the bank refuse my payments when XXXX was due, hang up on me when asking to speak with a supervisor, provide poor service on my account, and now charge me additional fees for their mistake. The end result will be I will lose the home due to these problems. 

Company response: Company chooses not to provide a public response
Consumer complaint: It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something XXXX did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with XXXX that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need. 

Company response: Company chooses not to provide a public response
Consumer complaint: Macys made a change to their credit card online payment system, it is now supposed to go to DSNB ( Department Store National Bank ). Instead, when you click the link to make a payment it brings up an error page saying " Time to Give Us a CallPlease contact Customer Service at XXXX. '' Calling the number takes you to a XXXX minute or more hold after which the service person says you need to go online to make account changes because their system is being upgraded. Macys will then charge late fees and interest. This same issue is being reported by XXXX of people on social media and has apparently been going on for several weeks. 

Company response: Company chooses not to provide a public response