AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I recently received an unsolicited letter from Quicken Loans notifying me that I was " prequalified '' for a {$99000.00} 15-year loan to refinance my current mortgage ( actually a HELOC ) at a rate of 3.125 %. I called Quicken and asked how it was determined that I was prequalified, and the representative I spoke to said she did not know. When I gave her preliminary financial information, she said I was not eligible for that " product '' but was a good candidate for a 30-year loan at a rate over 4 %. I agreed to apply and authorized a {$100.00} charge on my credit card for a deposit on an appraisal. As I hacked my way through the insanely detailed application process, Quicken updated me, demanding ever-increasing documentation and telling me that I would have to close out my credit card accounts in order to bring my debt-to-income ratio to acceptable levels. Declining to cancel my XXXX credit cards, on XXXX XXXX I withdrew the mortgage application. When a local appraiser engaged by Quicken called me to schedule an appraisal, I informed him that I had withdrawn the application. However, Quicken charged my credit card {$390.00} for the appraisal. A " customer relations '' person at Quicken told me, after I withdrew the application, that he would look into the appraisal charge. But I have not received a credit. It seems that, after doing a bait-and-switch marketing ploy, QL hounds people to apply for loans on less generous terms. It does not inform applicants that they must close out current debts to meet XXXX and XXXX standards, since that would defeat the whole purpose of refinancing. ( This may be beside the point, but my credit card debt is not large or suspicious. XXXX of the cards is at zero percent interest, so I have no incentive to pay it off ; the other I pay in full every month, as I have for 20 years. My quarrel here is probably not with Quicken but with XXXX and XXXX. ) Most important -- and this is a separate problem that 's flat-out illegal -- QL levies unauthorized charges for appraisals not performed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm currently in the last stages of getting approved for a mortgage. 
I was approved up until they found that I was late on XXXX payments with AllyFinancial ( XXXX, XXXX and XXXX ) The payment date is on the XXXX, and afterspeaking with customer service they confirmed that I was not late on the XX/XX/XXXXpayment, although it did show that on my credit report. I have been a long time customer through your company for many years and hope that you will take that into consideration. Correcting this situation and hopefully retracting the other XXXX late payments from my credit report will help me immensely and willbe the only way I can improve my credit report and get my dream home. Your anticipated prompt consideration and cooperation with this matter is greatly appreciated. Once again, THANK YOUXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have been trying to refinance our home but can not move forward because of Bank of America. We paid off a balloon with Bank of America but can not get them to show the balance as XXXX with the credit bureau. This issue has been continuing for XXXX months and is still not resolved. In the meantime, interest rates continue to raise and Bank of America continues to do nothing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report XXXX and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report Transunion and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do not owe this debt to XXXX XXXX, it was due to a justified cancellation by me. I was receiving insufficient reception for 6 months and had service people out every time, they insisted I would not receive good service due to the amount of trees on my property. I had informed them that I would cancel if they could not fix the problem, I could not continue with XXXX % reception, I always paid my monthly service. They are on the XXXX collection agency trying to collect this invalid debt, I had sent a certified letter to all three agencies explaining the situation, the XXXX XXXX dropped the collection immediately so XXXX gave it to the XXXX agency, Enhanced Recovery, they have my phone number, my e-mail and my postal address but have not contacted me one time, I have called and left messages but no response. They put this on my credit report with no verification, I disputed it and no response. This has been a nightmare, XXXX XXXX and XXXX XXXX had the good sense to remove the collection from my credit files because they realize it was bogus, it appears ERC is arrogant and will not respond to any of my efforts to reach them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I agreed with the finance company to make an " interest only '' payment for two months. The company is reporting that I made a late payment. I 've contact the credit bureau to have it resolved with no success. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive multiple phone calls from Focus Receivables Management daily, but I do not owe any debts. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have been on the DNC list. 
I disconnected my services from XXXX XXXX. 
It took them a few month to get my final bill to me. 
When the bill of {$150.00} arrived I made a partial payment. 
The next bill arrived I did the same. 
I made another payment leaving my balance of {$100.00}. 
When my check of {$36.00} was enroute to XXXX the calls from XXXX started calling me eventhough I was making payments. 
They are relentless calling about 6 times a day. I told them I would report them to the FCC and they continued to call. Why XXXX submitted my account to them is beyond me when I was making monthly payments. This telephone number is not associated with any name, plus they started calling within the right time frame. It 's still disturbing especially since I am a senior citizen and have sleep issues as it is. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I entered a home purchase contract on XXXX XXXX, 2015 in XXXX, AZ. We switched to Wells Fargo Home Mortgage branch of XXXX XXXX XXXX, XXXX, AZ on XXXX XXXX, 2015. We showed them our sales contract Which had a COE date of XXXX XXXX, 2015. However, we asked if they could accommodate the original sales contract date of XXXX XXXX, 2015. They fully assured us that they could reach that goal, I asked about possibilities that could hold them up, and they did not propose any situations and just restated they could meet our requested goal. We informed them of our previous lender, so they could contact them if needed. Since our inspections were complete and we were conditionally approved for the loan, on XXXX XXXX, 2015 we asked when our appraisal would get done. An answer was not given back to us until XXXX XXXX, 2015, and we were told our file is now in underwriting and an appraisal would be completed on or before XXXX XXXX, 2015. On XXXX XXXX, 2015, I called the branch manager to voice my displeasure with the service and lack of integrity on their part as they have not kept their word XXXX now. He answered and said he would look into it and contact me back in 15 minutes. He never contacted me back. The appraisal did not get completed until XXXX XXXX, 2015, and no explanation was given to us as to why. For the next few weeks, I got no solid information as to a closing date, I fixed minor items they asked for instantly ( why were n't these requested earlier in the process? ). They kept telling me I was in line to close and it could happen any day, so for two weeks I set up moving arrangements, incurred more expenses, paid more unanticipated rent, experienced difficulty at work, and struggled with frustration. I finally showed up unannounced to their branch and got to speak in person with the branch manager. He fully acknowledged his team and other parts of Wells Fargo had let me down and did not live up to expectations, provided poor communication, and had incomplete work. Furthermore, he said there was a big issue with the appraisal not getting done in a timely fashion, but could not explain why that was not relayed to me. I told him that prevented me from looking for an alternate lender by not disclosing that there were issues. Today is XXXX XXXX, 2015 which is 5 days before the sales contract expires. I could lose the house, the money I paid for inspections, and months of effort and wasted frustration if Wells Fargo continues their poor professional work and the closing is not completed in the next 5 days. 

Company response: Company chooses not to provide a public response
Consumer complaint: Date : XXXXXXXXTo : SPECLOANSVXXXX XXXX XXXX XXXX XXXX XXXX CO XXXXFrom : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXRe : QWR Error Resolution Notice under 12 C.F.R. 1024.35Mortgage Loan Number : XXXXI am writing to request correction of the error 's described below in regard to the mortgage on my property at XXXX , VA XXXX. 

1. Failure to provide accurate information about loss mitigation options. I was advised that I qualified for a loan modification under the XXXX affordable or hamp program and that I needed to fall delinquent on my payments. I made payments and those payments were not applied to my account which caused further delinquency and fees. 

2. Failure to Credit multiple payments correctly to my mortgage loan account on the date that it was received by Special Loan Servicing and incorrect reporting of XXXX day late. The below dates being reported incorrectlyPayment Errors : Incorrect Reporting of Delinquency. Loan was never XXXX days delinquent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Identity : Please provide to Identity and or contact information for the owner or assignee of the mortgage within XXXX business days. 

Desired Resolution of Error : Please update credit report to reflect the actual account status of current XXXX - XXXX. I was never past due as I was on a Interest Only ARM. Please remove all delinquent history and update my mortgage history as current for the above mentioned dates. 


If you need to contact me, I can be reached on my Cell at XXXX and my mailing address is XXXX VA XXXXSincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for and was approved for a XXXX XXXX XXXX card issued by US Bank. All the advertisements and information about the card stated I would be able to receive the last night of any point redemption on hotel rooms free. The materials I received with the actual card also stated this. Not one week after applying for the card that benefit was removed, and now a {$75.00} annual fee is being levied on my card. I feel like this was bait and switch through luring me to apply with specific benefits, and then immediately removing those promised benefits and still charging me for them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this before with the agencies, most recently a year ago, got a letter " creditor said information was accurate '', totally impossible. Years ago I got a call from BOA, so I asked proof of debt/payment. I searched my bank for the dates they gave me on the phone and more recently on my credit report, couldnt find any payments for those dates, let alone month within 7 years, I never got confirmation from them. I 've lived in the same house for 9 years, and have bank records computerized, going back 11 years and just to be safe searched quicken as well as the electronic statements finding no payments so it needs to be removed, and taken off XXXX / XXXX, I want to make it clear I 've had XXXX for 10+ years so the payment would be there, I even tried to match payment dates and nothing,. I feel they are re-dating, in fact XXXX / XXXX show different payment dates to keep it within the 7 year mark to keep it listed. 
Either way this is past statute and needs to be removed from the credit agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: The key issue here is that netspend debit cards are marketed and sold next to giftcards in pharmacy and convenience stores, but the XXXX classes of cards have significantly different rules of use. As a result, people buy debit cards, thinking they are gift cards, and when they are given to their recipients, they are done so without the recipient agreeing to significant fee rules which start upon *purchase* of the card ( vs *activation* of the card ), at least in the case of XXXX debit cards. As a result, the card value can be greatly reduced from the original value even before initial activation. 

The story : My kids received netspend debit cards from their grandparents for XXXX, each with {$75.00} on them. My parents thought they were giving the kids gift cards, not reloadable debit cards. Kids being kids, they forgot that they had them, and by the time we activated them 5 months later, they both were expired, and XXXX had a value of {$57.00}, while the other had a value of {$32.00}. In addition, a significant amount of personal information was needed ( social security number, address, etc ) to activate and use the cards. While the agent was able to arrange for the kids to have the remaining balances, l 'm extremely disappointed with the significant fees that were incurred before the cards were activated, and the difficulty in receiving back the cash originally put onto the cards. Basically XXXX received {$60.00}, 40 %!, of the money paid while providing absolutely no product or service ( other than a plastic card to be given as a gift. ) This just is n't right. I do n't know what to tell my kids about the gift they received from their grandparent - how do you explain to a XXXX that the bank took over half of their money? 

A cautionary tale to be told far and wide. It really is terrible to market these cards next to gift cards that have totally different rules so that someone mistakenly picks XXXX up to give as a gift, and for the receiver to be subject to unknowingly be subject to significant fees - I as a receiver did n't agree to these terms, yet I suffered the consequences. It really is n't right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: This was a bill from an internet Co. in XXXX AR. The original bill was over 300.00. My daughter talked to them and they agreed to accept a lower amount which she paid. They then said " Paid in full '' and I never heard another word from them. 
This COMPANY IS XXXX and they were paid off in full. 
My name is XXXX XXXX XXXX XXXX LA XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: An illegal collection account was placed on my account from CKS Financial. CKS Financial states they are collecting for " XXXX XXXX XXXX. '' I contacted XXXX XXXX XXXX and they state they have ever had an account for me. I contacted CKS Financial with no response. I have also sent a debt validation to them. My address on my credit reports has been up to date, my phone number has not changed. I have not received any communication from CKS Financial and now they are listing a {$330.00} debt on my credit report illegally. I will also be filing a police report related to this incident. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wanted the correct information listed on my credit report as being paid off on my XXXX. Instead the agency deleted it from my report. And still has the defaulted student loans that I no longer have on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank fails to issue me a statement when I ask. They can not tell me how much my payments are nor can they tell me my balance or interest. My mother cosigned and filed for bankruptcy. However I have made payments continuously and on time to satisfy my loan. Citibank REFUSES to issue me a statement monthly or answer my questions when I call blaming it on my mother. 

I want to pay off my loan honestly, but Citibank REFUSES to cooperate overtime I call for a statement. I have NO IDEA what my payments go to whether its interest or principal. 

I am asking for your assistance as Citibank has been UNCOOPERATIVE in assisting me. 

Thank You, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt collection agency D & A Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the thirty ( 30 ) day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe D & A Service ( or any entity acting on behalf of D & A Services ) a debt. Consumer disputes owing D & A Services a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that have been rendered to D & A Services, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if D & A Services chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with D & A Services. Consumer of this complaint will not engage in contact with D & A Services based on violations of the FDCPA, false misleading contact by D & A Services. If D & A Services makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against D & A Services and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated! 

Company response: Company can't verify or dispute the facts in the complaint