AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Cause of DIL : In XX/XX/XXXX, due to my father 's illness, I became the caretaker for him. In XX/XX/XXXX, my father lost his battle with his illness and died. During the aforementioned time, and with the downturn in the real estate market, we were unable to manage the affairs associated with our investment property. In addition, the tenants stopped paying their rents and we were not available to take them to court because of caring for my father. I could not afford to hire a property manager ; therefore, our financial problems became unmanageable, both personal and business. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I terminated my checking account with Citibank, which had a {$300.00} line of credit. On that date, Citibank claimed that I owed them {$300.00} for automatic payments, which the bank has never paid. I therefore paid Citibank {$300.00} for the line of credit and {$2.00} interest from my XXXX XXXX checking account ( ending XXXX ) on XXXX XXXX, XXXX, and confirmed with the bank 's representative that I owed nothing else. 

Nevertheless, Citibank continues to claim that I owe them more than {$100.00}, which, the bank claims, has been accruing interest since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received another letter from Citibank regarding the phantom debt and called their toll-free number. I spoke to a woman named XXXX ( ID # XXXX ) who told me, " [ Citibank ] has no record of your debt. '' I requested Citibank to immediately resolve the dispute in my favor and was given Citibank complain No. XXXX. 



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Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from XXXX XXXX XXXX, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to AMCA, also known as Retrieval Masters ( according to XXXX ). In XXXX of XXXX I called AMCA at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX. In XXXX on XXXX I received another collections notice from AMCA and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from XXXX XXXX XXXX for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure XXXX refunds my husband 's XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Experian slammed me into a credit monitoring service when I requested a copy of my credit report. Their website is confusing and it was not clear that when I requested my credit report they automatically enrolled me into the Credit Monitoring Service for a charge of $ XXXX/month. This practice is deceptive and not very honest. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wells Fargo agreed to modify our loan if we paid {$29000.00}, via XXXX XXXX XXXX money transfers. We wired the funds, Wells Fargo confirmed receipt of the full {$29000.00}. Then lost XXXX of the transfers and then did not honor the modification. We have been fighting with them since then. We had to file for a new modification loan, they denied because we had XXXX modification already. While we are in review, and appeal of their decision, they filed foreclosured. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continuing from previous complaint I filed with the CFPB, Bank of America has still not resolved the issue I have with the mortgage modification they started from XXXX XXXX and now I have been informed that I no longer qualify for a modification and have been put into Foreclosure. In XXXX XXXX I was informed by BoA that I completed the mortgage modification requirements and met all of their payment requirements ( 4 months of trial mortgage payments XXXX. I submitted the paperwork as instructed and waited for the closing paperwork to complete the process. The paperwork never came and no phone call from BoA. I waited two weeks then I called BoA to find out what was happening. They informed me on XXXX XXXX, XXXX that the paperwork was rejected by their document quality control department and now since the paperwork was now late the whole modification was rejected. They would not accept my modification. I called their Appeal Dept and filed an appeal. I was informed XXXX XXXX, XXXX that my appeal was denied without explanation. The very next day I receive a packet in the mail from BoA containing a new application for a modification. I filled it out again, followed the instructions again, had XXXX XXXX come to my home AGAIN and notarize all the paperwork and submit the new application request. I have since called 4 times to get XXXX XXXX to call me back on my cell phone and he has not returned my call so I can not get any answers about paying my mortgage, which is late again, or information on my new application for modification. I am making every reasonable effort to do as BoA asks and every time I follow instructions or submit paperwork, BoA finds a way to find fault with something and reject the request. I just want to pay my mortgage every month without having to XXXX someone down on the phone to make the payment. I want the modification process to be finished and my new modification be accepted. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Have been harassed and bombarded with numerous daily calls from Sunrise Credit Services , Inc after explaining multiple times my status. I had a pipe freeze and burst and spent over {$700.00} in repairs and am now behind on my payment. I explained this to numerous reps who continue to call my phone and get the same response " ok we will make a note of that '' next day I get yet ANOTHER call. My current phone record shows as follows ( XXXX ) @ XXXX rec 'd call from Sunrise Credit Services Inc ... @ XXXX I called back and explained my situation and that I get paid biweekly and will pay next month when I am able to. 
( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ... @ XXXX I call and explain the SAME thing and get the SAME response " ok we will make a note of it in the system thank you '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc, I called back at XXXX and told them I have already spoken to them this week and that I will not have a different answer than what I have already given. I also told them this is considered harassment. " We will make note of it in the system '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call and voicemail from XXXX XXXX at Sunrise Credit Services Inc . I call back @ XXXX and speak with XXXX , I express it is very frustrating to receive DAILY calls over the same thing when I already made a statement. His response was " well you said you 'd pay next month and it 's next month '' MIND YOU ITS ONLY THE XXXX OF THE MONTH!. I told him the month has just started and I get paid biweekly and that these phone calls are harassment, he hung up the phone on me! 

Company response: Company chooses not to provide a public response
Consumer complaint: Receiving numerous calls from United Revenue. Phone XXXX. Do n't know who this is and why they are calling me as I 'm on the Do Not Call Registry. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had started a loan modification process with Suntrust, they immediately started reporting damaging and wrongful information about my account while being under loan modification process, which by law they ca n't! XXXX Suntrust requires you to NOT pay your loan for the XXXX 6 months to qualify for loan modification, so that they can start loan modification process, meanwhile they were submitting to credit bureau that i was behind 160 days then XXXX again and on & on. I got fed up with their loan modification process, I ended up selling my home and " paid off '' Suntrust in full along with their hefty loan modification attorney fees and any other fees they conjured up to rack more money. I informed them numerous times to correct the wrongful damaging, negative & hard hits placed, they said they would, to date they never have! I have letter from them saying was an " error '' they need to correct this and fix my damaged report along with all hard hits & negative hits once and for all!! And I want more then an apology! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XXXX and XXXX and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information? 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from BSI Financial stating they were setting up an escrow account because they made a payment to the county tax office in error. I checked the county tax office and they do not show receipt of this payment. BSI states that I have a negative balance of XXXX in an escrow account. I pay my taxes directly, which is the way the mortgage was originally set up. BSI bought the mortgage from XXXX. My tax bill was paid on XXXX XXXX, 2015, by me, way before the due date. 
I have tried to contact BSI financial at XXXX, which is the number shown on the letter received. I called during the business hours listed on the letter. I can not reach a live person. 
I believe that BSI is fraudulently setting up an escrow account for money that is not owed to them by me. 
Since I can not resolve this by contacting them, I have decided to try this avenue. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: EXPERIAN continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 7X and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2014 I was in XXXX and was notified that I was to be XXXX. Knowing this I knew that I would no longer be able to pay for the car loan I had. I then called SNAAC to have the car voluntarily repossessed. They got the car a week later and that 's when I started to receive calls to restart my allotment to pay for the car. They told me that if I did not pay my debt that they would then call my commander due to being in violation of UCMJ for not paying my debts. I did not know what they did was illegal until I came across your article. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To : Consumer Financial Protection Bureau From : An Illinois Homeowner, a XXXX citizen and a Veteran Date : XXXX XXXX, XXXX RE : Wells Fargo Home Mortgage We have been battling with Wells Fargo Home Mortgage since XXXX, XXXX, when they violated RESPA laws by increasing our escrow requirement by more the lawful amount, thereby increasing our mortgage by {$800.00}. 
Though Wells Fargo has made settlements with various government housing agencies, they are still violating laws and rights of some homeowners. Although they are the servicer for our XXXX XXXX owned mortgage, we have not had the benefit of having a loan modification properly evaluated, nor have we ever received an explanation for denial of the two application we submitted. Though XXXX XXXX made changes to some of their requirements for servicers last year, we still have not had the benefit of Wells Fargo 's compliance. 
We filed Chapter XXXX Bankruptcy in XXXX of XXXX which was discharged earlier this month. We submitted the HAMP application on XXXX XXXX, XXXX, and per instruction received from Wells Fargo on XXXX XXXX, we began the work of submitting the Uniform Borrower 's Assistance Form, along with required attachments. We were told we would receive an answer in XXXX hours after all documents were received, however there was no date by which we must have everything in. All items were submitted on XXXX XXXX, however it was n't until we called Wells Fargo on XXXX XXXX, XXXX, that we learned the documents would not be processed because of a pending sale date. This sale date of XXXX XXXX was in placed on XXXX XXXX when we received the first call about receipt of documents submitted XXXX XXXX. 
XXXX XXXX requires our documents be processed because of the Chapter XXXX Bankruptcy we filed. We understand the servicer is not required to solicit an application from us, but are required to process the application once we submit it. Once again, they are refusing to abide by regulations. Since our Chapter XXXX has been discharged, our financial situation is much improved, and we are able afford our mortgage payment. 
It is our hope that you will forward this correspondence to all related agencies that have an interest in seeing that mortgage servicers are in compliance with the law, and in a position to hold Wells Fargo and other like services accountable. 
With appreciation, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a credit card through Barclay. I applied for apple financing card. When I logged in my account I was led to believe my cards had merged into XXXX. I made payments on the apple financing card. I had a less than XXXX dollars charged on the previous XXXX. When I called and explained the situation I was told my late fee would be waived. Whenever I logged in it was not waived. I called five times and everyone promised me it would be waived in 7 days, 14 days etc. Who has time for this? I was lied to 5 times! Finally, today I called because I was to receive another late fee on the fee that was suppose to be waived and was told that it will not be waived. I was waived a XXXX dollar interest fee ... XXXX DOLLAR! Yuck what an insult. I was very clear when speaking to reps before that it was XXXX dollar fee that should be waived. They all said that the XXXX dollar fee will be waived. I was lied to over and over again and the malicious action of waiving XXXX dollar ... What a nice ethical work place. I feel like I 've been talking to brain-washed robots for weeks.. I am so sick and tired of credit card companies and other monopolies doing whatever they desire when they are making insane amount of profit to begin with. It has been over 5 years and I have never missed a payment and now this will be on my credit report ... Which lasts XXXX freaking years and which means I will be paying more in interest for a mortgage or other purchase. I mean who makes these rules? Who 's running the show here? For whose pockets to be lined? It is ridiculous that we all have to slave around to these businesses that manipulate all global economics because they are allowed to be ruthlessly greedy. How long does the public have to ask for more regulation that protects all of us from being robbed by these companies through their made up fees? It is like the never ending story. Did our government really loose it 's strength to XXXX? I do not understand how the middle class and lower classes and frankly the majority of the world are allowed to be pawns for the benefits of a few thieves. Where is the unity? The stand for right against wrong? Is there ever going to a time in my life where I wo n't have to fight off some nasty corporation creature from trying to steal from me? I am fed up with seeing this happen to everyone. Some serious, real changes need to happen before we all become peasants again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Switched from XXXX XXXX back to XXXX XXXX XXXX. At the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida was told by the store agent that no credit report would be required because I was with XXXX XXXX XXXX for 10 plus years prior to switching to XXXX for only one year. This all took place on XXXX XXXX, 2015 on XXXX XXXX, 2015 I received a credit alert from XXXX and XXXX XXXX XXXX did in fact request a full credit report not a soft inquiry and this action was against what I was told! I complained to the store on XXXX occasions XXXX occasion with XXXX the store manager and no help from them! I called the Office Of The President and spoke to a XXXX XXXX ( XXXX ) XXXX she took my complaint and stated she would call me back within 72 hours which she did not! I called her on XXXX separate occasions and left her my name and number to return my call reference my complaint and as of today have not received any contact from her! It appears that XXXX XXXX XXXX feels that the can mislead and be deceitful to the public and this does not sit well with me that 's the reason for this complaint! I am very careful and watchful of my credit and with this unauthorized action by XXXX XXXX XXXX has cost me XXXX points off my credit score and additionally remains on my credit file for 24 months from date of inquiry! My resolution requested is to remove this credit report requested by XXXX XXXX XXXX and they be held accountable for being deceptive to me and most likely many others to gain business! 

Company response: Company chooses not to provide a public response
Consumer complaint: My utility, XXXX XXXX was ongoing from XX/XX/XXXX in XXXX, XXXX I paid all my bills on time every month before moving to XXXX ( XX/XX/XXXX to XX/XX/XXXX ). 
I never had a {$36.00} XXXX XXXX bill balance from XX/XX/XXXX nor XX/XX/XXXX, but this collection appeared on my account in error because XXXX XXXX @ ( XXXX ) XXXX told me they never had any record of this {$36.00} owing from eight to nine years ago? So I paid it anyway but it has not been removed from XXXX credit reporting. Not only is this debt erroneous but its nine ( 9 ) years old! NOT the seven ( 7 ) years that Diversified Adjustments Collections @ XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX phone : ( XXXX ) XXXX. They are maliciously reporting this after nearly nine ( 9 ) years and have refused to stop doing so after I telephone and spoke to them XX/XX/XXXX. I DEMAND this erroneous collection to be removed from my credit report. I have been an XXXX XXXX customer since XX/XX/XXXX in XXXX, XXXX nearly 25 years and I have never missed a payment. I will mail supporting documents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by phone by XXXX. I returned their phone call and was transferred to XXXX. When I asked what the call was in reference to he explained a debt with Continental Finance for a credit debt of {$730.00}. He claims a letter was sent to me and a response had not been received. I explained I did not receive a letter. He stated no return mail was received by them. I asked if he could send me something in writing and he declined to do so and said they were just giving me a courtesy call and were not obligated to. I asked again if they could send me something because I didnt receive the initial information. He asked about my email and I told him I had n't received anything at the email in a long time. He said that payment was required now and they were n't going to wait any longer because it 's been 8 months. He then hung up on me. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have disputed this many times the credit burerau finally said they needed supporting documents, so I uploaded my 2009 Taxes return showing the XXXX owned be a return. They need to show this as a WITHDRAWN TAX LIEN!! NoT a RELEASED!! 

Thank you 

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