AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: LenderFi, Inc. created multiple delays in processing our loan documents, eventually necessitating a rate lock extension with a {$780.00} fee. At one point we were told that documents faxed in by our agent had mistakenly been sitting on someone 's desk for 3 weeks. In addition, the morning the appraisal was scheduled we received an email stating that we failed to qualify, and so we delayed the appraisal over a weekend, by which time they had reversed this position and we were able to have the appraisal immediately performed. 
LenderFi President XXXX XXXX told us that they would only pay half of the {$780.00} fee due to our role in delaying the appraisal, which we agreed to. He stated on XXXX ( via text message to our real estate agent ) that he was mailing a check for {$390.00}. We have yet to receive this check, and have been unable to contact him since. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer? 
To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX. 
You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX. 
Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account. 
Note : We wo n't charge you to receive a wire transfer into your Ally account. 
XXXX END ALLY WEBSITE INFO XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: experian is a joke they r supoose to help us make our credit better and then all this XXXX goes on! I have XXXX potentaly neg items on my report and under the fair credit reporting act they are not suppose to be there. they need to be deleted and done with. this is my life they r messing up and no one wants to help. this is why i am here at your site! under the fair credit reporting act collection companies have no business posting in the credit reporting agencies as you had a agreement with the credit card company/utilty company not with a third party. i desputief items and nothing even when thier findings were in my favor this XXXX is left to sit here and nothong is done! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The XXXX, TX address they keep showing on my personal information is not my address and Has never been. That address belongs to XXXX XXXX XXXX which is my daughter. 
Please have it removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Urban Financial Of America in XXXX, XXXX was transfer my case after XXXX 2015. When there were problems with the XXXX XXXX office from XXXX, 2015. I applied for a Reverse Mortgage with this company. Informed them I had good credit however, my identity was stolen after I retired. I submitted every document to prove this horrible experience. Police report, letters, information from the XXXX credit bureaus, and correspondence from other companies to prove my fraud. This company has requested information over and over again. There are stacks and stacks of paperwork I have received from Urban Financial. I have been patient with this company since XX/XX/2015, but they are still stringing me along. I have been upfront with since Urban Financial, they contacted ME for my business. When I was looking for a reverse mortgage and guarantee this was not a problem and have me APPROVED in a few weeks. 
I am very frustrated with this company. Please help!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i paid two weeks in advance after taking my daughter out of this XXXX in XXXX XXXX, TX '', i have checks and bank transfer to prove it. not they are trying to charge me for an additional two weeks even when my baby was n't there. i do n't own any money and they threaten me with damage or reporting to the credit bureaus. i have all the evidence and probes that i do n't own any money. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I visited a Sears store near me to inquire about the purchase of a cooking range. The sales associate convinced me to purchase the range that day and told me he could get me 5 % off if I used my Sears Card, which I did. The total purchase was going to be {$2500.00} and I informed him my credit limit on the card was {$1800.00}. The sales associate suggested we run the transaction to see if it goes through. It did and I assumed that the credit limit on the account was raised or the transaction was deemed okay. However, I received an email later that my credit card was over limit. As someone who monitors my credit rating carefully, I became concerned that the sales person 's actions could potentially harm my credit rating with an over limit report. I called Sears Credit ( a Citigroup company ) and was told that warranties and services are not counted toward the credit limit and they can put me over my credit limit when making a purchase. And they told me that the over limit status would be reported to the credit bureaus. Furthermore, they told me that I now owed {$750.00} plus the minimum payment in order to bring my balance below the credit limit. I feel this is a trap and puts the consumer in a very bad position. Not only did Sears knowingly allow me to cause harm to my credit rating, they also put me in a potentially harmful financial position. If I did not have the ability to pay the card down by the next billing cycle, I 'd be in a very difficult financial situation. Regardless, I will have a blip on my credit report regarding the over credit limit. Sears 's position is that I should have known their credit practices and the fact that services and warranty charges allow consumers to exceed their credit limit, which may potentially harm them. How was I supposed to know this and what is a credit limit for? And how can Sears take the position that they have no responsibility in this situation? Sears is wrong. I should have been informed at the time of transaction that what the sales associate was doing could potentially harm me. Please do something about this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was trying to get direct deposit so bank of America can get there payment the payment did n't get set up in time so I all bank of America I spoke to one of the customer service representative I was told she would n't she could n't accept my payment but could accept my late fee which was XXXX dollar so from then on my account was late account was behind so far it is hard for me to catch so since then I have been making my payment so they told me they would wave all my late fee and for me to start paying XXXX a month to get caught by they are not fair and they tell you one thing and do something totally different so my credit is mess up so therefore they are giving me bad credit. please investigate this for me please Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this. 

Company response: Company chooses not to provide a public response
Consumer complaint: my client needs help getting the payoff on her 1st mortgage. the loan is delinquent and is part of a short sale and we can not get the lender to provide us payoff figures so we can get the sale closed 

Company response: Company chooses not to provide a public response
Consumer complaint: My son has multiple XXXX problems and gives my number for XXXX contact but I have nothing to do with his bill payment. I have received calls from the collection agency and have repeatedly told them this is MY number not his but I continue to get calls. This XXXX went to my answering machine " Monday XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX seconds " Please call us at XXXX. Our office is open Monday through Thursday from XXXX XXXX to XXXX XXXX XXXX. Friday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX XXXX. Thank you. '' This one did not leave any indication about it being debt collection but others have come in on my phone when I have had guests in my house who overhear these messages much to my embarrassment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: as of today XXXX XXXX they have the following accounts reporting incorrectly and refuse to investigate XXXX financial services account # XXXX this is being reported incorrectly XXXX XXXX probation account # XXXX they have me listed as late I have never been late and they refuse to investigate XXXX account # XXXX again another account that they refuse to investigate this is also being reported in correctly 

Company response: Company chooses not to provide a public response
Consumer complaint: Master card, Barclay 's, charged me an annual fee, then interest, then late payments BEFORE I opened the envelope, before the card was activated!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being reviewed for a modification. The amount of information they need and the time frame that they are giving me to get it completed is not acceptable. I previously filed a CFPB complaint and was told my foreclosure date was moved to XXXX/XXXX/2016 However I need more time to get my tax documents together. I need Wells Fargo to understand this and GET OFF OF MY BACK. I have also filed a Qualified Written Request of which they have not provided exactly what I am looking for. 
Someone needs to call me NOW 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit card with citibank was issued without my application. Kept card. Have had multiple issues with unauthorized transactions since getting the card. card replaced multiple times. Credit card with citibank has had multiple instances of fraud on the account. I can longer access the account online. An XXXX call center staff member, whom I was directed to contact, could not access my account. Almost all of the activity on the card is fraudulent and I want the account closed right away. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have submitted cases against Citibank previously since XX/XX/XXXX. Unfortunately Citibank continues to keep disrespecting me, causing my payments to continue, continue and continue.The closed account I 'm paying on is XXXX. 

Since I have a new computer the scanning mechanism is not working yet. Citibank lost XXXX of my fall payments XX/XX/XXXX. I faxed copies of the checks they cashed on XXXX XXXX, XXXX. To date they still have not recovered the lost check ( s ). Citibank and I had reached an agreement to settle the account in now in XXXX XXXX, but due to the lost checks that wo n't happen. 
In XXXX XXXX I had to fax the copies of the checks to the XXXX Investigation Unit. They were not found. Now I was told to contact the Office of the President of Citicorp Credit Services re : the lost XX/XX/XXXX and XXXX XXXX payments which are {$130.00}. I want them out of my life, but Citi continues to keep me dangling. Why Citibank? 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion reports the wrong SS # on the credit report and it is keeping me from getting a mortgage as well as hurting my credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX kept sending me bills for items I had already paid on or paid in full. I finally gave up calling them and sent a complaint to this agency. They then sent me a bill for the final, remaining combined balance. It was correct, so I sent in the payment of {$64.00} on XXXX XXXX, XXXX. Thinking it was now all over, I felt calm and went on with life. 

Yesterday, in the mail, I got a letter from " Sunrise Credit Services , Inc. '' on behalf of ... wait for it ... XXXX!!!! It is XXXX XXXX, XXXX!!!! They have an account number and balance of {$82.00} and give XXXX XXXX. XXXX where you have options on " if you pay by ... send {$62.00} '', which gives you {$20.00} off '', etc. It also declares you can use your " Tax Refund '' to clear up this debt ... Call us ... We 're happy to help! We can Grant Your Wish ''. Oh, and by the way, the last line says : " This offer will expire on XXXX XXXX, XXXX. We are not obligated to renew this offer! '' Not that I need this offer, but if I did, I only had one day to respond! Unbelievable these people! 

I refuse to contact them and deal with this again. It has been paid. If they put this on my CREDIT REPORT, I am going to explode! 

XXXX needs to get its records straight on how much people pay on their so-called " installment plans '' and when the bill is paid in full. Apparently their bookkeeping department is deficient and causing stress to consumers of the goods they advertise and sell. I thankfully kept ALL of my records from the time I ordered until I paid off the bill. Otherwise, I would have possibly been fooled into thinking they were correct! How many of our elderly out there are falling for the faulty billing practices of this phony give-a-way program? It should be investigated! 

Now, I am asking for your help with this bogus credit company trying to collect a debt that I do not owe. I appreciate any assistance you can give me in this matter as it is extremely frustrating and ridicules. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had an equity line of credit with BOA ( Bank of America ) in the amount of {$120000.00} payoff due in 15yrs. which I used {$25000.00} of the funds. Within that time {$100000.00} was put on freeze, therefore, I could not use that money. Within the 15 yr. period of time I paid back {$20000.00} leaving me a balance of {$4100.00} unpaid, from the initial {$25000.00} used. As of this date the {$4100.00} has been paid off. BOA is telling me that I still owe them the {$100000.00} from my XXXX. line of credit. I was offered a second line of credit for the XXXX which I took because I still owed them {$4100.00}. About a year later after paying the {$4100.00} owed they 're saying I still owe the {$100000.00} which I never used. This I do not understand. How do I owe money never used. Thinking that they offered me a second line of credit, they gave me another mortgage which included the {$100000.00} called XXXX ''. When I got my first equity line BOA paid off my first mortgage which was around {$30.00} something thousand dollars. I did call BOA several times with no avail. Specifically, on XXXX, XXXX I spoked with XXXX a BOA rep. I informed him that I was deaf and hard of hearing and he got frustrated with me. I then asked him what was the initial pay-off amount BOA paid, if anything this is what I would owe, and he would not tell me, and said " Lady you owe the money ''. My response to him was how do I owe money that was frozen and never used? This is when he hung-up on me. In conclusion, If I do owe any other money to BOA it would be the original pay-off amount not the {$100000.00} they are trying to make me pay with a new mortgage. I pray this matter is resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: My dispute involves mainly Experian but XXXX and sometimes XXXX as well. Their tactics are so transparent. They clearly make more money by reporting anything and everything to make consumers look like a credit risk. Example XXXX XXXX mistakenly pulled my credit a second time within a 30 day period after I spoke with their senior executive that assured me they were n't going to. When it happened of course the XXXX bureaus are hot to report it. I contact XXXX XXXX and get a letter stating it was a mistake. I forward that to the bureaus and now comes the run around. It took several months to get it removed however Experian refused to do anything except change it from a " hard pull '' as they call it to a " soft pull ''. They then further penalized me by removing or reporting incorrectly my " good '' credit history. My stellar XXXX accounts ( XXXX ) are now removed as well as other good accounts and they give me minus point for, you guessed it " lack of good credit accounts ''. I tried calling them, writing them online and snail mail to dispute, and they always have a stall tactic. I 'm tired of the run around. I 'm tired of paying too much because they skillfully and unscrupulously maneuver things so that I can never qualify for a better finance rate. I 'm fed up with it! I have plenty of documents to support my situation and monitor my credit closely. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wakefield & Associates took more than 5 days to send a " verification of debt '' letter from first contact. I had to call back 2 times after the initial call to gain a letter. I disputed the debt immediately when I requested the validation of debt letter. More than 3 weeks later, I received their verification letter. I responded in writing via certified mail within 30 days requesting further information, and also in written request that further communication be done in writing. W & A has continued to call on my cell phone, neglecting my request to further our communications in writing. It has been more than 30 days since they have received my letter, and they have not provided any further information. I would like this matter resolved as they continue to call me demanding the debt and have not validated that I own the debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2016 I received a alert regarding that my score went down. When I checked there was a Hard Inquiry done on my Credit Score done by XXXX which I have n't authorized either requested any product from this company. Also this hard inquiry took my score XXXX points down. I request to revise it since this inquiry was not requested or authorized and restore my score. Also I have to mention that Transunion still has not removed old closed accounts from my Score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Date : XXXX XXXX, XXXX From : XXXX XXXX XXXX To : Barclays Bank Delaware Card Services Enterprise Holdings , Inc., XXXX XXXX XXXX, Chairman and CEO CC : Consumer Finance Protection Bureau ( CFPB ) Subject : Credit Card Charge Dispute This letter is to dispute the below described charge and the handling of this dispute by Barclay 's Bank Delaware. In addition, this letter is to file a complaint regarding the handling of this matter by both Barclay 's Bank Delaware and XXXX XXXX. 

On or about XXXX XXXX, XXXX, when making my monthly payment on my Barclays Bank Delaware XXXX Aviator Red MasterCard, I discovered that there had been a fraudulent use of my card. My old account number was XXXX XXXX XXXX XXXX, which has been changed by Barclays Bank Delaware to XXXX XXXX XXXX XXXX, due to the fraudulent use of my credit card , probably by an employee of XXXX XXXX. The amount of the charge was {$200.00} and the charge was initiated on XXXX XXXX, XXXX and posted to my account on XXXX XXXX, XXXX. I immediately called Barclays Bank Delaware Card Services and XXXX and advised both organizations of the fraudulent charge. In reviewing my card statement today, I noted that on XXXX XXXX, XXXX Barclays Bank credited my account with the amount of {$200.00} and then charged my account that same amount on XXXX XXXX, XXXX without advising me of the status of their investigation. 

During the period XXXX XXXX, XXXX through XXXX XXXX, XXXX, I was in XXXX XXXX, Utah and therefore would have been unable to rent a car or truck from Enterprise in XXXX XXXX, XXXX. I had physical possession of the card during the period that I was in Utah and in fact still have possession today ; therefore, my credit card could not have been physically presented by anyone to rent a car. In conversation with XXXX they disclosed to me that the card number was entered manually, which indicates that whoever used the card did not have physical possession. When I rented a truck in XXXX XXXX from XXXX, I used this card and presented my driver 's license, so an employee of XXXX would have been able to keep my card and driver 's license numbers. As you may know when renting a car, one must present both a credit card number and driver 's license. Since I was in Utah and had control of both my card and driver 's license, it would have been impossible for anyone to present my license and card when renting a car. That leads me to the conclusion that only an employee of XXXX could have used my card number, as that person would not have had to present a driver 's license. 

Please properly and thoroughly investigate this matter and keep me informed by telephone or letter. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was only able to select one of the above options concerning incorrect information on my credit report but there are actually XXXX issues, account terms, account status and validation that this account even belongs to me. The issue is XXXX XXXX XXXX reporting different things, which may be inaccurate, to XXXX, TransUnion and XXXX, but what they are reporting is all negative. I have filed a direct dispute with XXXX XXXX XXXX due to these reporting issues that are severely damaging my credit report. No validation has been provided to me that the account even belongs to me, as XXXX shows me as being also known as someone else. 

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