AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Freedom Mortgage ( LOAN # XXXX ) told me that my escrow was short by {$3700.00} which I paid over the phone. I submitted my XXXX Veterans Property Exemption ( {$120000.00} ) prior to the property taxes being due, which also lowered my monthly mortgage payment. This mortgage company received the corrected tax bill of {$2300.00} and paid the old bill of {$3000.00} ( overpaid by {$700.00} ) because no one verified the bill even though they knew that I had been approved for the tax exemption XXXX XXXX Veteran ). I made the XX/XX/XXXX payment of {$1200.00} and I received letters that my mortgage payment for XX/XX/XXXX was short by {$300.00}, even though I made the full payment and have receipts for a full payment. This company continued to send me delinquency notices and stated in a letter that they turned me into the credit bureaus. After disputing that I did n't owe the additional amount and they discovered that the error was on their part, they send me a letter stating that they would adjust my account. I received another statement today ( XXXX XXXX 2016 ) and my account has not been adjusted. They send me a letter stating that I was in default of my loan. I have done my own research on this company and have found that they have done this same thing to other customers. This company continues to send erroneous collection letters to me and other customers stating that they are behind in their loan payments and that they are in default. I paid {$3700.00} and received an exemption of {$120000.00}, they overpaid my property taxes by {$700.00}, how would I owe anything????? Please make this company correct their error and send updates to my account to me and correct the erroneous credit reporting that they provided to the credit agencies. I have owned my home for 7 years and have never been late. I filed a complaint with the CA Dept of Business Oversight ( complaint # that my payment can now be lowered monthly to {$1300.00}. I was also informed that I would be due a refund of about {$1200.00}. As soon as the assessor made their corrections to the new lower property tax bill, I faxed to your office for your company to make the corrections. Each time I speak to someone in their company, they act like they do n't know what I am talking about. I have send letters and emails to this company demanding that they correct their mistake, it is damaging my credit Please make them refund the additional monies that they sent out to the XXXX Tax Assessors Office so that I may receive my refund. Their mistake has caused me financial hardship, because they made me pay money that I did n't owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in school for over six years, XXXX of my loans was sold to various lenders. I was never made aware of this and now 6 years later, it is the only negative thing sitting on my credit report, and almost double the original amount. The contacted the collection agency about payments or settlement and they want far above what I can afford, and almost 2 years worth of payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a levy from a debt collector and law firm that is based out of XXXX, placed on my Bank of America Accounts. The levy placed was illegal due to I no longer reside in the state of XXXX, but do reside in XXXX and it is not within the statue of limitations. The levy was released, and only half my money was returned. BOA refuses to give me back a {$120.00} fee charged to my account when this action in the first place was not lawful 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm filing this complaint because I have been unable to resolve my concerns with my mortgage company about the way the length of time that it consistently takes for my mortgage company Freedom Mortgage ( unfortunately not by choice ) to process all of the payments that I 've made & sent to them on time -- at least 1 week in advance. 

For whatever reason, it is completely impossible for me to contact customer service in any form to try to get an explanation as to why it takes 2+ weeks for my payment to arrive at the payment address supplied by Freedom Mortgage. I am extremely fearful that Freedom Mortgage will assess late fees & cause me to " dispute '' the charges, as they are willfully slow and unwilling to find a proper solution. 

After waiting on hold for nearly 15 minutes this morning, I reached a customer service agent at ( XXXX XXXX XXXX -- the number listed for new applicants. I had to " sneak '' my way into the queue by calling that number since calling ( XXXX ) XXXX as is recommended for current Freedom Mortgage clients resulted in 3 automated hang-up calls this morning, after I entered & verified all of my current loan information. Emails to the only address that I can find, XXXXXXXXXXXX go unanswered repeatedly. I emailed another inquiry this morning & fully expect to be ignored again. 

I simply want to know why the processing is so slow & where I need to mail my payment for faster & more efficient service. I was told this morning by customer service that they use the U.S. Postal Service, and it is their fault for processing delays. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX of 2015, a company called Roundpoint acquired the mortgage on my rental house. During the transition of payment from XXXX to Roundpoint I had been instructed by Roundpoint on how to set up our monthly payment on Auto pay. I was at that time paying automatically through my online banking with XXXX to make this monthly payment to XXXX. The process I followed did not get completed properly and my XXXX payment did not process. I was not aware of this until notified in XXXX of the missed monthly payment for XXXX. When this was brought to my attention, I immediately made payment to Roundpoint for the XXXX and XXXX payment simultaneously bringing my account current. This unfortunately did not forgo them reporting me as being 30 days late to the credit bureau for missing the XXXX payment. I contacted Roundpoint to explain what happened and that this was an error on my part but was in no way being negligent in my obligation to pay. After their further analysis of the situation, although they understood the circumstances, they told me that their reporting was justified and that they would not change their reporting to the credit bureau. 
I am hoping that you will consider these events as out of the ordinary as I have excellent credit and have a history of paying my bills on time. When you look at our history of payments on this mortgage, you will not find a month, prior to XXXX 2015, where we missed a payment. We also receive $ XXXX in rent for this property and have ample funds to make the payment. 
My complaint here is that Roundpoint would not make an exception and realize that this reporting should not stand and affect my business expansion capabilities. They were not quick to help, they were quick to let me know that they reported properly and that nothing I could say do or dispute would change that. They were only quick to let me know that they did everything right. 

Company response: Company chooses not to provide a public response
Consumer complaint: Santander Bank, NA had advertised a promotion on mass media for its XXXX credit card sometime in XX/XX/XXXX - XXXX XX/XX/XXXX time period. The promotion stated that if a XXXX customer charged {$1000.00} or more each month for XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX the customer 's XXXX account will be awarded XXXX bonus reward points. I am a XXXX card holder and I liked the promotion offered so I decided to participate. For each of the XXXX months I charged expenses totaling {$1000.00} or more to my XXXX card. To make sure I had qualified for each of the three months I called Customer Service at Santander Bank after I received my billing statement and during each call the CSR ( Customer Service Representative ) assured me I had met the promotional requirement. However, when I did n't receive the XXXX bonus reward points I called CSR at Santander toward the end of XXXX XXXX to inquire as to the status. After several calls Santander Bank informed me that I had not met the requirement XX/XX/XXXX. My billing statement for XX/XX/XXXX did clearly show that I had over {$1000.00} in new charges. A Rewards Department representative then explained that the promotion required charges during the calendar month and not the billing month. This deceiving explanation totally surprised me and I strongly disagree with it because there is no easy way for the customer to figure out total amount charged during a calendar month. That is because a customer may execute a transaction within a certain month but if does n't get posted until the following month the bank may not consider it as having occurred in the month that it actually took place. This situation makes it almost impossible for a customer to make sure transactions are posted within a given month. For that the customer depends on the billing statement, which in my case has usually ended on the XXXX or XXXX of the month. 
For the reasons stated above I firmly believe that Santander Bank is exhibiting unfair consumer practice and CFPB needs to intervene on my behalf. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Around XXXX XXXX, 2016 - Barclays Card shut down XXXX of my credit card accounts. I believe the closure of these accounts were done in a deceptive way to entice me to spend money on annual fee 's, accrue miles/points in these accounts, and then to close my account with no notice ( verbal nor written ) and refuse to refund me for any of the annual fee 's, miles, or points I paid or accrued with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: i tried to apply for a loan and was told i had a returned check for {$25.00}. i applied at the only bank i use and they know ive never had a returned check so we are both cconfused as to why this is on my report? i also contacted the supposed place i had the returned check and they looked into their records for this time frame and they have no record of any returned checks. this is an obvious error. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called this places number thinking they were the student loan place and they were n't, they really did n't tell me they were just a help center. They consolidated my loans which were already consolidated with XXXX my current loan place. Then they turned my loans over to XXXX XXXX XXXX who paid off my loan to XXXX. I had given this " help place '' my credit card # thinking this was how I would pay into the loan place, but what they did was charge me {$590.00} taken out {$150.00} in a four month period. They have already taken out {$300.00} which I told my credit card I was disputing. I called this " help place '' to tell them this and was told they would turn me in for collection. Now what do I do? I need help getting my money back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On two successive days, XXXX XXXX, XXXX, I called Bank of America about a fraudulent charge on my credit card account from XXXX XXXX XXXX. The disputed transaction was a {$100.00} charge for what I was told was a free warranty car battery replacement. The B of A representative I spoke with said that because XXXX had physical possession of the card at the time of the charge, no fraud could be filed. I responded that XXXX XXXX had asked to see the card to verify when the failed battery had been purchased, and told me there would be no charge for a warranty replacement. After that, I was transferred to the B of A Fraud department. The man I spoke to said he would file the claim but that he had to send me new cards for family and myself. He said it would take up to ten days. 

When I did n't receive the new cards I called back was told they would get back to me. I never received the cards. When I checked again I was told the account had been closed at my request. Since I never made that request I responded that someone in the Fraud Department must have made a mistake. I was told they would get back to me. Subsequently, I received a letter that the fraud claim had been processed and the charge had been removed from the account. But my account was not re-opened. When I called again the credit card department said they would again request new cards. 

On XXXX XXXX, I called to ask when the card would arrive. I asked to speak with a supervisor. He said the Credit Department had refused me credit. I replied that I had opened my card account in XXXX XXXX, had made over {$50000.00} in purchases since then, had paid my account balance on time every month, have an account surplus of XXXX, and had my credit line increased in XXXX XXXX. He asked about my credit history. I said it was the same as it was when I first applied and received credit in XXXX. He said he would check with the Credit Department and call me back at XXXX the next day. He never did. 

My complaint is : 1. Someone in the B of A Credit department had falsified information to make it seem that I had requested my account be closed. 
2. They then used that falsification to deny me credit in retribution for filing a fraud complaint. 
3. My credit history has remained the same since XXXX. The only bad mark on my credit was a bankruptcy filed in XXXX that had not prevented me from receiving credit from the bank in XXXX. The bank 's action is unwarranted. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a complaint in regards to the practice of Access Credit Management , Inc. in XXXX XXXX AR. First of all a default was put on my credit in 2008 but was not properly served. Secondly, it was served on a bill past the " Statue of Limitations '', as well as, the company sent me a statement with a balance of {$760.00} and would not take payment offer of {$450.00}, but proceeded to tell me only 9 days after statement that was sent, the new balance was over {$1400.00} and illegally said they would continue with the legal process. The company also contacted my employer representing Attorney XXXX XXXX 's office according to the caller ID and stated that to my employer which was an embarrassing and could have caused my job to be in jeopardy. This company is conducting practices that are unethical in several areas and consumers should be protected from these type of junk debt buying people, particular the employee XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have a Regions Bank checking account. I was charged approximately {$400.00} in overdraft fees for purchases, some quite small. Regions Bank never alerted me that my account had issues. 

The Regions Bank representatives I contactd in Alabama -- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX -- refused to give me the address of Regions Corporate office so that I could write a letter. XXXX XXXX refused to even give me his title. 

Company response: Company chooses not to provide a public response
Consumer complaint: Late XXXX/Early XXXX I contacted Barclay Card US to dispute a merchant charge From XXXX for XXXX due to me not receiving the product that I ordered. 2 months pass with no contact from Barclays then I log into my account to see that the charge had been charged back to my account. I contacted Barclay Card US again on XXXX/XXXX/16 when I noticed the charge had been charged back to inquire why and they stated because the merchant was able to provide my Name and Address. My reply to them was " The whole reason the dispute was submitted was because I never received the Product '' I never stated that I did not place the order with them. So It does n't matter if they were able to provide my name and shipping address If I never received the product and that is the reason the dispute was submitted. I also tried to contact the Merchant XXXX regarding the charge and to request a Shipping tracking number. The Merchant never responded after numerous attempts to contact them and numerous emails sent. No shipping confirmation was ever provided. And I 'm 1000 % sure they were not able to provide any shipping information to Barclay Card US. I need this charge and all interest associated with it to be removed from my account immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a timeshare on XX/XX/2014 the salesperson said we had to fill out a RCI MasterCard application to purchase the timeshare. I was declined for the MasterCard so I bought it with my XXXX bank card. Promises and guarantees where broken so the vendor said they would credit the XXXX for the total amount we paid. On XX/XX/2014 the vendor opened the RCI MasterCard and charged me the cost of the Timeshare without my approval. I never consented to the new charge and never signed a credit receipt for the purchase. I have disputed the charge with RCI and each time they just ask for more and more information then lose it or not read it. They tell me deal with the vendor but the vendor does not respond. RCI told me there is nothing they can do for me anymore. They do not care that the charge was fraudulent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the creditor on several occasions and informed them that I am unable to receive personal phone calls during working hours, XXXX. I was contacted repeatedly during these times. I called the creditor yet again to tell them not to contact me during these times and the person said that it did not matter and that they can and would contact me at any time between XXXX and XXXX. I found this to be hostile and intimidating. 

I closed my account and am trying to pay off my remaining balance. After 40+ phone calls I found that it is impossible to access your account online if you have cancelled you card. I did not receive any statements or bills in the mail. Without online access to my account I could not make timely payments allowing US Bank to add hundreds to my account in late fees. 

The card and interest rate were predatory in nature. I was given the application in a bar while on XXXX break. I think it is immoral for US Bank to target intoxicated teens on XXXX break with high interest credit cards. I do n't expect the CFPB to do anything about it but I want people to know the type of business US Bank is. 

Company response: Company chooses not to provide a public response
Consumer complaint: The month of XXXX 2015, I contacted XXXX XXXX ( XXXX ) that I am going to XXXX for 10 days and told them the countries that I am staying. I did not want to have problem when I am using my card out of the states. 
While I was in XXXX there were times that I could not use my card because they did not accept the charges. 
XXXX XXXX of 2015 I returned and few days later I got a call from XXXX that they have seen some activities that are not normal on my account. 
They read some of the charges and I told them that they were not mine. They indicated that when I receive the bill to fill up their paper work and send it back to the Fraud Department of XXXX. 
Since, I have mailed the same items 3 times. Once regular mail and XXXX registered mail. I have been on the phone with Fraud Department at least 2 times a month. Each time I called it had taken at lease XXXX to XXXX hours on the phone which as far as I am concern was wasted time. 
The issue has not been solved and they want more paper work and they claim either they do not have it or it is lost or they are behind in their work. 
They have been charging me interest and late payment and at one point they told me I am in collection. 
I am tired to deal with the Fraud Department and the people who ca n't read and count. 
I need help to deal with them and my attorney suggested to contact you. 
Please Help! 
Thanks, 

Company response: Company chooses not to provide a public response
Consumer complaint: I was called by First Financial debt collection agency and I tried to call back but could n't get anyone on the phone. I was so worried I pulled my wife 's and my credit report just to find that nothing was wrong. I finally got a hold of someone to find they contacted me in error but now it still shows an inquiry on my report. I do n't know why they called me and it should never of happened because it made the XXXX of us panic. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I cancelled the card because I was getting unauthorized Charges, I called Netspend and asked for a new card, I got the card and called to activate, I was told that I had negative {$1.00} and was told that I had not used the card in 180 days ... .Got a new card XXXX I called XXXX/XXXX/XXXX to activate and was told that I have a negative {$45.00} this time from XXXX XXXX, who I have no clue to why I would have a charge. If I have not used the card in 180 days and the card is not activated, how can someone charge to the card, I called and asked for a Supervisor 2 times and each time I was left on hold for 25 to 40 minutes I was also told that the XXXX charge is from XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. 
++these bills are over 10 years old XXXX they should be removed from my credit reprt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am continuing to receive information from Citi despite cancelling the account several months ago. The account was closed in good standing and balance is paid in full. My complaint is the following Citi is violate federal privacy laws by maintaining my personal information in their company database. 
Citi and their affiliates continue to harass me by sending spam postal mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX I availed myself of a XXXX % balance transfer offer from Citibank which would come due on XXXX/XXXX/XXXX. In XXXX of XXXX I received my statement which was due on XXXX/XXXX/XXXX and I paid my entire balance due ( which included a the balance of the transfer offer ). I made additional purchases on my credit account on XXXX XXXX ( which would be my XXXX billing date. Although I paid my entire balance in full as of the due date, Citibank applied my payment in full of my XXXX statement to the purchases made AFTER the statement generation thus leaving me a balance on the transfer offer subject to interest. They claim the " government '' requires them to do this, however, as the consumer IT IS MY MONEY. It was my intention to pay my entire billed balance as of my XXXX statement in FULL which included the balance transfer offer and NOT my UNBILLED charges for the XXXX period. If an account is paid in full during a statement period the charges INCLUDED in that statement should be satisfied and the XXXX charges for the next statement period are the ones that should remain on the account. As the consumer I should be in control of the funds applied to my account NOT the bank. If a payment greater than the minimum is made the CONSUMER should have the right to direct those funds to the balance NOT the bank/government. The bank or the government SHOULD NOT be making these decisions for me. I should maintain the right to pay off the debt that I CHOOSE. 

Company response: Company chooses not to provide a public response