AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had my loan with Citimortgage for many years and never missed a payment of was late. We have a XXXX XXXX loan 30 year fixed 5 % and when the rates went down I applied through Citimortgage for a refi. We were told no income varification or appraisal would be required and it was to have no fees charged. It would have saved us quite alot of money in monthly payments and over the life of the loan. As the refi was being processed Citimortgage sold our mortgage to XXXX now XXXX and which I learned only as the Citmortgage refi broker was looking at our account and watched it disappear off the screen. He filed a complaint with his supervisor that we were in the middle of the refi process and his complaint was denied. Now we are with XXXX, have not had the opportunity to refi as they say they can not honor the Citimortgage deal, and the services is atrocious. We do not want to do business with them and have had no choice. How is this possible that the consumer can not chose who they do business with on the most major purchase of their entire life, the mortgage of their home!!??? Outrageous. 

Company response: Company chooses not to provide a public response
Consumer complaint: Current victim of I.D . Theft due to information being compromised by the XXXX. I 'm a XXXX. The main company that Im having a problem with is Experian. I have sent all necessary paperwork, yet the still refuse to assist me in restoring and removing derogatory information on my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an unauthorized charge on my Macy 's credit card on XXXX XXXX, 2015 for {$25.00} in my statement. I called to inquire about the charge and was told it was a monthly charitable donation that was being charged to my account. I disputed it and informed them that I never agreed to nor signed up for this Macy 's charity. After being told it was removed along with it 's associated fees and it 's monthly recurrences it may take a XXXX billing cycles to disappear from my statement. After 60 days the monthly statement still is charging {$27.00}. I checked my credit report and it says I have an outstanding balance of {$54.00} on the Macy 's card, therefore lowering my credit score XXXX points. After repeated calls and asking for assistance from their customer service, I 've had no resolution. I have never in my XXXX years made XXXX late payment or paid XXXX penny of interest for that matter on any credit card. My credit is very important to me and I hope you understand this is the card issuers mistake and their disregard for concern is affecting reputable card holders. I am canceling this credit card to negate any future exploitative actions on their behave. Please advise me of my best course of action to recover my credit to it 's previous credit rating. 
Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed reported late payments from child support office to Transunion. The late payments were taken off my credit report by Transunion on XXXX XXXX, 2016 and told me their investigation was complete and items were removed from credit report. However, on XXXX XXXX, 2016 they added these late payments back to my credit report and are telling me these late payments are reporting correctly. I have called the Office of the attorney General and they told me that they have not reported anything to Transunion after the resolution date of XXXX XXXX 2016 removing late payments from credit. 
If The OAG did n't report anything after XXXX XXXX, 2016 how is Transunion saying this is reporting correctly and add it back to my credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Original debt was with XXXX. It was charged off my credit and purchased by XXXX XXXX. I then received demand letters from Mitchell , Rubenstein & Associates demanding payment.. I disputed again and never received anything from them either. A judgement was placed against me due to a summons being served at a home I had n't rented in over 2 years! I wrote Mitchell, Rubenstein & Associates on XXXX XXXX and asked them to reverse the Judgement and now just over 1 month later my bank account has been frozen without ANY correspondence from them. They have very POOR and unfair practices, especially over a {$700.00} debt that supposedly occurred in 2012. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a Citi credit card that is affiliated with the XXXX program. Earlier this year, Citi asked us to upgrade to a new level of card and, at that time, said that using the card XXXX would not subject us to XXXX transaction fees. However, we received an e-mail message from Citi today, where they said that communication regarding no XXXX transaction fees was in error. I have a trip to XXXX planned for XXXX, 2015 and had planned on using this card on that trip for the very reason that I would not be charged XXXX transaction fees. I called Citi today XXXX XXXX XXXX ) and spoke with a customer service rep who said the only way I could continue to get no XXXX transaction fees on this card was to further upgrade to a card with a {$450.00} annual fee. Given what they told me when they asked me to update to my current card, Citi should honor that statement that I would not be charged XXXX transaction fees, particularly because I relied upon it in deciding to stay with this card rather than switching to a different card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have mailed Experian dispute letters on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and they never did an investigation? They never said anything was frivolous? This has to be a FCRA violation. Are they legally allowed to do this? Do they save money by not doing their jobs? Plus I have to repeatedly ask for Experian to correct wrong names, address 's and social security numbers I have no idea who or what they are? I have been told this is a really bad thing to have on your credit, is that correct? 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a modification with XXXX XXXX XXXX Bank in XX/XX/XXXX. The process was almost to completion and then XXXX XXXX XXXX sold the loan to a XXXX called BSI Financial out of Maryland. I had to start over again with the modification process with BSI and that started in XX/XX/XXXX. My first conversation with BSI was with one of there processors by the name of XXXX XXXX XXXX, he told me the I would probably not qualify for a modification because I did not met the standards for that type of loan. I asked him how it was that he could determine that without taking an application. I am not sure but I think that is against the Fair Lending Laws to decline a loan before you take an application. That was my first " Red Flag '', that this was not going to be easy. I have had a very difficult time with BSI as they are incredibly unresponsive. I have left multiple messages, sent certificated letters and e-mail asking questions about the process and asking if they needed anymore documentation. I received no response from them. I have kept detailed records to all conversation, e-mail, letters pertaining to this loan process. Then in XX/XX/XXXX I received a letter saying the loan had been declined due to missing information. The letter did not state what type of missing information. I could not get them to tell me what information was missing. According to my records I had sent them everything they had requested. Also, during this process I was assigned another processor by the name of XXXX XXXX. I thought she was going to better, but turned out I could not get her to call me back either. I have contacted the HAMP Program and they are assisting me with this issue. However, I am recently retired from the banking industry ( mortgage originator and processing ) and see this behavior from a lender as appalling. I do n't know how someone without any banking background would protect themselves from this type of situation? I did some research on this company, BSI and there history with other consumers is not very good. In fact I am not sure how it is that they are allowed to get away with some of the things that have been posted about them ( Consumer Affairs ). Also it appears that there has been a class action law suite started against them. I completely understand that most postings of this nature could possibly be from customers were just mad because things did not go their way, but most of the comments are very similar to mine. Which makes me think that they are more than likely true. I am still in the review process with HAMP. Yesterday XX/XX/XXXX, I found out that BSI has an auction date for the sell of my home on XX/XX/XXXX. It is clear to me that BSI has no regard for people, the HAMP Program or doing the right thing for their customers. They are for some reason only in the business of declining loans and foreclosures. My hope is that someone can help me ... Thank You.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for 2015, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & 1681i of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have sent previous request to Experian, requesting they Delete XXXX Account Closed with inaccurate information from my file and yet they have failed to do so. 
Accordingly, I intend to show a judge that these accounts are inaccurate and that thus violated the Fair Credit Reporting Act by ignoring my requests to investigate with Correct Information. My previous request stated my reasons for Delation and these reasons were not frivolous in any way. 
If this final request does not prompt Experian to conduct a proper Delation of the account in question, and send proof to me of said Deletion, I will file a civil suit in XXXX XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation with Deletion. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports I request this be resolved and delated with in 5 days to avoid stalling the process further by you.. 
I anticipate your response. 

Company response: Company chooses not to provide a public response
Consumer complaint: experian reinserted negative information from us dept of ed. which had been disputed and cleared one year earlier, after months of disputing information and providing proof of inaccuracies, experian removed again, but now creditor continue to state that experian is reporting negative information on XXXX accounts while my credit report has XXXX negative accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to close my deceased Father 's account with Citibank since XXXX, at which time I was wrongly advised Citibank was working on the matter. Three weeks after I had completed about a dozen pages worth of forms I received notice from Citibank that I was claiming the assets as my deceased Father 's " next of kin, '' despite the fact that I had submitted a XXXX page letter explain how my legal right to the money was due to a Trust agreement of which I had submitted appropriate pages to Citibank. From there Citibank made the assumption, also erroneous, that the total value of my deceased Father 's assets at the time of his death were less than {$150000.00} and required me to complete a form affirming such, or Citibank would wrongly maintain control of money which legal belongs to the beneficiary of my deceased Father 's Living Trust. 

Citibank has dragged their feet each step of the way, and has now proven themselves uncooperative. I would very much appreciate some help on this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was able to get my report from transunion but when I returned minutes later to get the reports from the other XXXX agencies it said it timed out and that I could n't get either one online. 

Company response: Company chooses not to provide a public response
Consumer complaint: Shellpoint Mortgage services our home mortgage and has had XXXX major servicing errors on our account in less than 45 days. Both of which my wife and I have had to spend significant time resolving. In XXXX of 2015 they incorrectly processed Homeowners insurance payments. After 6 hours on the phone over 4 days and filing notice of error Under CFR 24 they finally resolved and corrected our escrow. Then in XX/XX/XXXX we made out MTG payment and they processed it not once but twice resulting in a NSF charge on our bank account of {$32.00}. We called XX/XX/XXXX to notify them and they we very apologetic and cancelled the duplicated payment and offered to refund us the {$32.00}. We sent the necessary paper work to them that day. On XX/XX/XXXX they on their own accord reversed the initial payment as well and then charged our Mortgage account a {$25.00} NSF charge. At XXXX XXXX on XX/XX/XXXX we received a call from a " Number not available '' from Shellpoint. On that call they demanded to know when and if we were going to pay out mortgage. After I reviewed the account history and speaking to my wife I called back. They admit there mistake and have claimed that IT has fixed the issue. 

Though they resolved the escrow issue and are now working to fix the recent payment processing errors Shellpoint treats its customers as guilty until proven innocent. The only way I seem to get results is to threaten reporting them to this agency. Well, I have had enough ... 
As a servicer should be able to process escrow payments to insurers without tripple paying them, and they should be able to properly process payments without double withdrawing the funds and then charging the consumer a NSF and it should not take hours and hours of the consumers time on the phone fixing their mistakes. 

If I could switch servicers I would ... .... 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Wells Fargo and a group called XXXX keep charging my account when I have asked them not to. It has gotten to the point that Wells Fargo says call XXXX. XXXX says to cancel the service, a service I only wanted to for six months ( it was useless - not one lead ) that XXXX says I need to pay them {$240.00} to cancel. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is not my Medical Account Debt. This was under my Dad 's medical insurance, and his Social Security #. Even though I was just XXXX on the day of service. My Dad 's Medical Insurance explained to me it was unlawful to use my Social Security # for Collections, because the medical clinic does not have my Social Security #. How and Why did the Collection agency have it and used it on my Consumer Credit Report? Same Medical Collection Amount did show on my Dad 's report and was paid in full. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposit a check into my account for {$2800.00}. I had an available balance of {$4300.00}. I spent {$2500.00} out of the {$2800.00} check. I spent it at XXXX. Than I I had {$1900.00} of my own money in my checking account still saved from my school that I had received. I looked at my available balance and it was XXXX. I called my bank and I was told the check I had deposited was a fraudulent check and I should wait seven days for it to clear. Within the seven days the check still did n't clear and the negative balanced remained the same. I was told the check was returned and I had to pay a return fee plus the negative balance ; so I did. I want to know why did n't the bank teller at TCF let me deposit the check without telling me it was fake. She did tell me that she can not cash the check and give me money back but she can put it in my account for me. It never cleared or went through so I had to pay them back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX my house was up for Foreclosure, but an agreement was made with the lending institution to have the matter turned into a short sale instead. Also, before this arrangement was made, the company continually told me that they would do everything possible to help me keep the home. I was given a payment schedule of {$1200.00} a month, which I followed consistently. The agreement allowed me to stay in the home until a buyer was found by a real estate agent. They also gave me a check for {$3000.00} once the buyer had purchased the property and the house was emptied and cleaned. I abided by all the rules of the agreement and was eventually told that they were not able to help me save the home, but they would allow it to be a short sale. 
Now they have sent the credit bureau false and negative information about the matter. It is now listed as a foreclosure on my credit report. I sent documentation to the Trans Union showing that the house was a Short Sale. They in turn sent me a letter stating that the negative report would remain on my credit until XXXX XXXX. 
This information they are reporting in incorrect and should be removed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I stopped into a bank ( Regions Bank ) to ask the process for an auto loan. I was told to send a copy of the title and bill of sale to start the process. Once I submitted the documents additional step that were not acceptable were presented. I informed the bank I did not want to pursue business with them. At that point they informed me they had pulled my credit days before. I never was told anything about access to my credit file during my initial introductory meeting, I never authorized access and never started any loan process. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It XXXX Concern : XXXX XXXX, XXXX Experian XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following creditors have made unauthorized inquiries onto my credit report. 
Please contact these creditors and provide me with a complete written explanation for precisely why they have obtained my consumer credit report. I did not authorize these credit reports to be obtained and I want an explanation : XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wanted to purchase something with my Sears/Citi Bank Master card, so I took my card out and I noticed the the card had went past the expiration date which ended on XXXX/XXXX/XXXX. I did n't receive my new card so I called Sears to see if they sent me another card to replace the old one. At first they said that the card had been returned and they would send me another one. After placing me on hold many times they finally came back and said that my account was being closed because I had n't used my card in XXXX months. I currently have a balance over {$2000.00}, I have been making my payments on time and I have n't missed any payments. I opened this account back in XXXX and I have never had any issues with this account in the past XXXX years. Then I finally talk to a supervisor and she tells me that the last time I used the card was on XXXX/XXXX/XXXX and that if the card is not used in a twelve month period the account would be closed. I spoke to them on XXXX/XXXX/XXXX and I reminded the supervisor that I had XXXX more days to go before the year was up. She said that it did n't matter and that my account would be closed anyway. I 'm sure I 'm not the only one who has been caught in this situation and that it may be a nation wide problem. Like I said before, My account has been open for more than XXXX years and I 'm just stunned by the treatment that I received from this company. It 's all most like my XXXX years do n't mean anything to them. I have fought to keep a good credit record and to pay my bills even through the great recession. After all of my hard work to keep my XXXX credit score, I find out that it does n't matter. I almost want to file bankruptcy so I do n't has to pay any of them back. I 'm asking you to help me to fix this situation. 

Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: That Experian needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX 

Company response: Company chooses not to provide a public response