AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a non-tax, non-student loan debt through the U.S. State Department which was being collected by the U.S. Department of Treasury in which I had payment arrangements. Due to a change in their accounts receivable system in XXXX I became lost in their system. My payments went uncashed, I stopped receiving statements and when I called, they could no longer locate my information. Apparently sometime in XXXX they turned me over to a collection agency, Pioneer Credit Recovery and provided an incorrect address to that agency. I received no written communication what so ever. In XXXX of XXXX, this collection agency ; using US Department of Treasury letterhead and documents, obtained a wage garnishment. I was provided no written, or oral communication about the garnishment and provided no opportunity to appeal the garnishment. When I attempt to reach the the US Department of Treasury I am told they no longer service my account and that I must contact Pioneer Credit Recovery ; however, Pioneer used US Department of Treasury letterhead, with their emblem as if the garnishment came directly from the US Department of Treasury but the payments are being sent to Pioneer Credit Recovery. In addition, non-tax Federal debt maximum for garnishment is 15 % but they are collecting 25 %. The US Department of Treasury refuse to verify or confirm that they put the garnishment in place and keep referring me to Pioneer Credit who will not answer my emails or return my phone calls. I feel that Pioneer falsely represented the wage garnishment as coming directly from the US Department of Treasury to avoid obtaining a court order and falsely prepared and submitted documents as coming from the Government but rather came from their collection agency. In addition, another collection agency, XXXX XXXX is attempting to collect the same debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been attempting to rectify the situation with Bank of America by calling various executives including the Assistant General Counsel to no avail. After further review of my account I located {$490.00} worth of bank fees on XXXX account alone within the last month. All of these were based off of Bank of America allowing electronic payments to post and then charging my account a bank fee. The most recent fee was for a {$7.00} charge that they returned to a vendor that last month they choose to pay as a " courtesy '' when the transaction was for well over {$100.00} and the account was overdrawn for a lot more than it was when they returned the {$7.00} transaction. When I asked them to place a block on my account so that if I do not have the funds in the account electronic transactions can not be processed, which would avoid the overdraft fees being assessed I was told that it could not be done since my account was overdrawn. 

In addition to their unresponsive, unethical, and dishonesty I located XXXX erroneous transactions just with a preliminary review of my account. These transactions along with the bank fees that were assessed to my account put it in the positive, therefore there justification for removing funds from my savings account to cover the fees that they placed on my account is even more so ridiculous. Out of the {$540.00} that was taken from my savings account from the funds that I had already authorized to be paid to XXXX XXXX on XXXX/XXXX/15 at least {$490.00} of it was to cover fees that they placed on my account to cover transactions that they either " courteously '' paid or for bank fees that were assessed to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: homeowner was delinquent on their loan and were protected by a C XXXX homeowners did not understand the XXXX process, they paid the XXXX plan payment but did not make their regular payments outside the XXXX plan to their lender. during this time the lender did not seek relief and allowed the homeowner to complete the XXXX plan. In XX/XX/XXXX we asked for a modification and SELECT PORTFOLIO SERVICING sent a packet and agreed to look at the client 's financial for a modification review. from XX/XX/XXXX through XX/XX/XXXX we have submitted, resubmitted the same documents over and over and have answered the same questions again and again. the client has enough verifiable income to modify the loan. SPS has been dragging their feet and lying to the client and to the housing counselor on a monthly basis. this is clearly servicer abuse and ignorance on the lender 's part. I know that they are reading from a screen and saying a lot of XXXX because they can not answer any questions about the underwriting process. we have been trying to negotiate with them for 9 months. we were told since XXXX that the modification was in underwriting then they would ask for updated information we would update them with the information and then they would punish the borrower by saying that the process was starting all over again. that 's just wrong. the lender is accepting monthly payments but keeping us in a holding pattern on the delinquency. need some action cfpb!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We refinanced our home in XXXX. We were taken advantage of by predatory lending.We did not receive a Good Faith Estimate. Banking and Finance in Georgia informed me that the mortgage lender did not have a license to do business in Georgia at the time of our closing. The mortgage lender license expired XXXX XXXX, 2008. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I began receiving calls and letters from RGS regarding account # XXXX for a debt of {$180.00}. The creditor is listed as XXXX but I do n't have any credit cards or loans with them. RGS has failed to provide me with any further information and have been calling me repeatedly about paying. I gave it a couple months thinking they 'd figure out it was n't mine, but the calls keep coming. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had disputed XXXX with this agency in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found this account reporting on my file again. this accounts is outdated, inaccurate, contain incorrect dates and status ' and is not reporting correct payment history. XXXX has no place being on my file. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified these and let them remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove it if they can not honor my request to correct them and show me how they verified it and allowed it to be reported to my file. This account is inaccurate and they are affecting my life very negatively! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX XXXX Credit Card online acct. That provides a FICO Score and Summary through TransUnion. My Fico Score shows XXXX with description : " Lack Of Recent Installment Loan Information '' Their is " Insufficient Activity '' information about your " Installment Loans '' FYI : I do not have any Installment Loans.. 
In XX/XX/XXXX I had a personal loan but I paid this acct off and closed the acct in XX/XX/XXXX. It is Inactive. 
I would assume My Fico/TransUnion would have that documentation in there Data Files. Why would Lenders be interested in a closed/paid acct with no activityI have XXXX credit cards XXXX closed..XXXX openThank You 

Company response: Company chooses not to provide a public response
Consumer complaint: The Citi Double Cash rewards card offers options to redeem rewards points as direct deposit to Bank account or as Check to be mailed or also as statement credit on the credit card statement. While redeeming the rewards points as statement credit though, the Citi online site does NOT disclose that as this will reduce the account balance, any payments made will not accrue additional rewards points. I went ahead and requested {$120.00} in rewards redemptions as a statement credit ; had I known of this deceptive and sneaky practice on Citi 's part, I would have instead requested a Check mailed or direct deposit into my checking account. I called Citi as soon as I read this on a blog within a coupl eof hours of having requested the redemption, and the Citi rep refused to cancel my rewards redemption and change it to Direct deposit into checking or to send a check. 
I also warned them that I would be forced to got to the CFPB and they told me to please go ahead and do what I wanted. I would like this to be published online on CFPB per your new options so that the world can see what deceptive practices Citi is engaging in. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dispute of Charges -- Offer of {$100.00} credit for applying for Citi credit card account on XXXX XXXX website is not being honored. 

Company response: Company chooses not to provide a public response
Consumer complaint: Previous lender ( XXXX ) offered mortgage rate reduction service for a fee % of outstanding balance with a maximum of {$1500.00}. I wanted to open my new mortgage with USAA because I liked them for banking however I would only switch if this service were offered. When I started the process of buying a new house this summer I confirmed with my USAA processor that USAA offered a similar service to that of my previous lender. Because of this I opened a loan with USAAIn XXXX of XX/XX/2014 seeing that rates dropped I contacted USAA mortgage department to reduce my rate. XXXX XXXX said that this was not a service which USAA offers but they could handle it through the loss mitigation department. I talked to several people in the loss mitigation department because I thought this was the wrong department. Every person I talked to said that loss mitigation was the correct department, even though I was not at risk of defaulting. They said I just had to fill out the paperwork and jump through the hoops and I would be able to reduce my rate. After submitting all the paperwork, on the final step of my processing, my loss mitigation processor XXXX told me that a loss mitigation was the incorrect service for my situation. He sent me to XXXX XXXX who I talked with and we decided the best solution would be for me to do a mortgage refinance and have USAA cover/offset some of the costs. I was forwarded to XXXX XXXX, of USAA Mortgage to handle this, who then sent me back to loss mitigation who then sent me back to XXXX at USAA Mortgage. Each department will not handle my rate reduction and says the other department is responsible. They will just send me back and forth with no resolution. 

This is very unethical because I was offered and purchased a service ( mortgage rate reduction for & lt ; {$1500.00} ) which USAA will now not provide. = XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXXXXXXXXXX. 
To Whom it may concern, Our loan is owned by XXXX, Until XXXX of last year we were being serviced by XXXX, do to circumstances beyond our control, we have had a few rough years starting with my health, in 2010 I had to have XXXX XXXX, ending up with me having to apply for XXXX. My husbands company in which he has worked for over XXXX years, was sold and under reconstruction he lost income there, my parents both died in XXXX months of each other and there was no insurance, we had to help pay funeral cost, these circumstances made it difficult for us to maintain a mortgage payment of XXXX. Last XXXX XXXX offered us a modification trial which brought our payment down to XXXX we have had no problem making this payment. and made XXXX in a row. After we made our XXXX payment to XXXX, we were switched to .Select Portfolio, we have had such a difficult time dealing with this company never get to speak to the same person XXXX, they assigned us an account person an til this date never spoke with .or if you leave a message, do n't return any calls. So they sent us a letter from XXXX saying they were n't going to honor our trial, a letter which we never received. I called XXXX and they stated that the offer was not declined and XXXX should be finalizing the agreement. 
I have a letter stating if we make XXXX payments of XXXX we would be permanently have that payment, XXXX even sent us a XXXX write off and XXXX company did n't honor that either. Why would XXXX send us a wrote off if they were n't going to honor the trial. XXXX told us we had to apply for your in house modification, in which we did and it has been very difficult, I have faxed it at least XXXX different times and even register mailed it, each and every time, I was told something was missing, even when I sent the registered letter, someone told me they did n't receive it, and I had the computer in front of me and I had to say someone signed for it, ( That 's funny I have proof that someone in your company signed for it ), I was put on hold and then told yeah we got it page XXXX is missing. When we finally received paper work from them instead of offering us a modification, their expecting us to pay 3000.00 a month, to catch up back payments not honoring the XXXX straight payments we made, their trying to say were XXXX behind if you subtract the payments we made it would n't be that much, along with the paper work was an application for short sale, they even had our home apprised which gave rental value of the house instead of market value, also on the paper work our income is n't correct, they have us making more then we actually make, I feel instead of helping us maintain our home, XXXX is trying to either foreclosed on us, or do a short sale it, do n't want to help us at all. 


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Select Portfolio Servicing , Inc . 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The following XXXX accounts were not properly investigated by this reporting agency and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. The agency should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated phone calls looking for someone by another name. I have had this phone number for over three years. Most recent harassment is from D & A Services, LLC., but they will sell the information to then next set of thugs to continue the harassment. When confronted with the wrong number, they claim " we do n't have this number in the system. '' This is a fraudulent claim, since they had called less than XXXX seconds before and hung up before I could get requisite information to formalize a complaint with their organization. 

If this were an incidental wrong number, this would not be an issue, but this is a concerted effort to harass by so-called debt collectors who keep selling this bad number and refusing to remove it from the database. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I Refi 'd XXXX loans XXXXVA, XXXXFHA with Network Capital Funding after closing the funds ststed in the signed DOCs the funds were not distributed as Pre closing docs.. I was told they adjusted the fees and other Items after signing that was not in the closing DOCuments. Se Attachment for details. 
In addition rate discount fees were added from the original GFE, which at the time I did not catch at signing 

Company response: Company chooses not to provide a public response
Consumer complaint: Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: ON XXXX XXXX 2014 THE DEPARTMET OF JUSTICES ORDER BANK OF AMERICA PAY XXXX BILLONS FOR PRINCIPAL REDUCTION FOR CONTRYWIDE LOANS SIX MOUTH BEFORE TO THE ORDER COME IN TO EFECTIVE BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX MY QUESTION IS DO THIS IS LOAN IS GRANDFATHER IN I NEVER HAVE A PRICIPAL REDUCTION ON MY LOAN EVEN SO I ASK THEN MANY, MANY TIMES 

Company response: Company chooses not to provide a public response
Consumer complaint: I bank with Bank of America.I had a check deposited after XXXX on XXXX/XXXX/2015. My balance at that time was XXXX. The local banks were closed at the time. When I checked my bank account the following day it showed an overdraft fee of {$35.00}. I contacted the bank and they advised me that the check was processed between XXXX XXXX and XXXX on XXXX/XXXX/2015. I had a direct deposit into my account at XXXX on XXXX/XXXX/2015. In the past I have received notifications from my bank stating that I had until XXXX to make a deposit in order to avoid an overdraft fee. I received no such notification from them for this overdraft. The bank refused to reverse the overdraft fee. The check was specifically deposited after close of business to avoid an overdraft fee. They could not give me a reason as to why I was not allowed until XXXX on XXXX/XXXX/2015 to make a deposit. They show the deposit as occuring on XXXX/XXXX/2015 even though it was not processed until XXXX/XXXX/2015. I should have been given until the deadline of XXXX on XXXX/XXXX/2015. even if the check was processed at XXXX a deposit occurred XXXX hours later. I feel that this was an unfair practice by my bank. in order to charge me an overdraft of {$35.00} so taht they could make money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in the process of viewing my credit report online. I was asked a series of security questions prior to viewing my report. There was question stating that I opened a mortgage loan in 2010 and what bank did I use. I have never owned a mortgage, it also stated that I opened a retail credit card and I have never done that either. I was unable to view my report because I did n't have the answers to those questions. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 Transunion had removed XXXX from my credit report as of today XXXX XXXX, 2015 it was added back to my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: On Friday XXXX XXXX Credit Acceptace Corp called and left XXXX messages and then called again and talked to me live. Payment came due on XXXX XXXX and is not even late fee until XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The following letter was sent to Credit Management LP on XX/XX/XXXX, no reply was received. 

On XXXX XXXX I closed my account with XXXX and returned the equipment on XXXX XXXX. I requested that XXXX send me a final bill for balance owed XXXX 2 days XXXX. 

I contacted XXXX on XXXX XXXX and XXXX XXXX inquiring about the FINAL BILL and was promised that one will be sent. 

On XX/XX/XXXX, I received a letter from Credit Management indicating tat I owed XXXX {$74.00} which was reported to the XXXX credit bureaus as a collection. 

I contacted XXXX on XX/XX/XXXX concerning my account being sent for collection for {$74.00}. I spoke with XXXX who researched that the amount I owed was {$20.00} which I paid with my credit card., she also said that {$52.00} will be adjusted. 

On XX/XX/XXXX I checked my credit report and found there was a balance outstanding in the amount of {$5.00}. I called XXXX and I believe I spoke with XXXX who indicated the amount was inadvertently charged and should have been waived and an adjustment will be made to the account. 

This charge resulted in my credit score being reduced from the XXXX 's to XXXX ( Poor ). I was not at fault for this vexatious charge from XXXX. 

I request that this collection and derogatory statement be removed from all XXXX credit bureaus and inform me by mail when completed. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I had a 1995 bankruptcy process in case of chapter XXXX and recently asked for a car loan and I refused it because that chapter appears on my credit report and all debts. Trans Union call and tell me that is not in the report. but request in XXXX different places and all XXXX appeared they told me that Chapter XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX to get my free report. Both Experian and XXXX noted that I had to print out a form and mail in my request. Further, I have to provide copies of XXXX separate documents "for my security". Mailing, in my opinion, is less secure than an encrypted internet connection. Could they make it any more difficult to get my credit report? This reeks of the ratings agencies, once again, making it as difficult as possible for consumers.
Company response: Company chooses not to provide a public response