AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Over the past twelve months I have been manipulated and stonewalled by both my previous Mortgagee ( Greentree/XXXX ) and now my new Mortgagee ( Ditech ). They have held checks for months submitting some while returning or loosing others, un-applied payments that were cashed, changed the monthly mortgage amount three times and dropped my mortgagee provided homeowner 's policy after I submitted a claim, failed to provide my mortgagee provided homeowner 's policy information and payment details so that I can change it and confirm it is being paid correctly. Throughout this entire time I have spoken with the mortgagee customer service on the phone, over email and fax, as well as in person. They have not once offered clarification for their actions, costs, or how to cure my account. I believe I am currently in foreclosure and this belief is primarily due to third party solicitations I am receiving in the mail. I have been vigilantly documenting everything and following up with both the mortgagee on a monthly basis. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a credit card with Bank of America this summer that offered a {$100.00} bonus if you made {$500.00} in purchases within the first 90 days of opening. They are now saying that I do not qualify because the purchases were not made until after 90 days. The problem is that I did not receive and activate card until XXXX XXXX, 2015 and by XXXX XXXX, 2015 the {$500.00} requirement was met. However, they are saying the card was opened earlier ( ie they approved account in XXXX even though I did not receive and activate card until several weeks later ). I think this is a bogus promotion and the 90 days should n't start until the card is received and activated. I think it is unfair and deceptive as a consumer has no control over how long it takes to receive the card once it is approved. I think that Bank of America owes me the {$100.00} bonus as I met the terms of the promotion in good faith. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted Experian and told them to remove an erroneous address that I have never lived at and it has not been removed. They stated that a collector reported it. However, I do not know of a that collector. I do know that this address is not mine. All the other XXXX credit bureaus changed it and deleted that address to match the address where I have been living at for 25 years or more. But, they chose not to and I feel like it is in violation of my constitutional rights and the FCRA. 

They need to remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX and/or XXXX XXXX XXXX, XXXX, GA, XXXX I XXXX the # XXXX address and it does not even exist. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage servicing was transferred from XXXX company to another in XXXX XXXX. The new mortgage servicer ( Freedom Mortgage - XXXX TX ) did not start reporting information to credit bureaus until XXXX XXXX. XXXX are properly reporting status ; Experian refuses to investigate why Experian is not reporting the information - referring me once again to XXXX Mortgage. My credit score has decreased from XXXX to XXXX since XXXX and as a result of the bad/incomplete information a {$19000.00} unsecured line of credit was closed by XXXX XXXX XXXX and I have been denied a HELOC from XXXX XXXX XXXX. Experian 's lack of cooperation to resolve this matter concerns me as not only am I suffering loss of credit, but I am also concerned about potential impacts to my XXXX XXXX XXXX as the credit score continues to go down. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've been issued a number of late fee that are Unfair and Excessive. These fees violate federal regulations put in place to prevent credit card companies from taking advantage of their customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just received an alert from XXXX. It says I applied for a credit card form CBNA and listed this address. I DID NOT APPLY FOR A CREDIT CARD. This is an error or stolen identity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too. 

Company response: Company chooses not to provide a public response
Consumer complaint: Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address, being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City, no Office address no true name ( did XXXX, non existent ) .Threatened to sue Indicating falsely I committed a crime by not paying old 10 year debt. Attempting to collect wrong amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a prepaid XXXX card from Citibank that was given to me as incentive from XXXX to open an account. It has an expiration date of XX/XX/XXXX -- 6 months after I opened the XXXX account. There is a balance of {$10.00} left on the card and Citi has told me that those funds are no longer available to me. This seems like theft to me. I earned those funds and should be able to access them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed once again that Leaders Financial has reported on my XXXX, XXXX and XXXX credit report that I have two 30 day late payments in XX/XX/XXXX and XX/XX/2015. I generally pay my car note within the grace period and or allowed time. This is the second time that I have had to complain about them reporting 30 day lates and ruining my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Someone has stolen my entire identity. They 're currently paying a mortgage under my identity and have numerous credit card purchases. 

Company response: Company chooses not to provide a public response
Consumer complaint: THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as " attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus {$1000.00} more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent, extortion call being done ( threat to sue, garnish my Bank Accounts everything, an ABUSE ). Co calls done from XXXX XXXX XXXX caller identified as " Supervisor '', said Co were " Attorneys '' called XXXX XXXX ( did Browse, NON-existent ) File XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial dificulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. 
I requested a loan modification with the now owner of the loan which is Select Portfolio Servicing , Inc being that now my situation is a whole lot better financially and health-wise and the Bank wont even consider giving me the opportunity to keep my home. I received a letter saying that it was not under the best interest of the investor to give us the opportunity to keep our home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently attempted to cancel warranties for several watches purchased at my local Zales store back on or around XXXX of 2014, there are XXXX warranties in total. The watches were sold and no longer in my possession, prorated refunds should be issued. However, Zales reps refuse and state refunds are issued only when item is returned. The items could not be returned as they were purchased a year ago, they were sold and are no longer in my possession. I spoke with a XXXX at their corporate office today, he refused to issue refund and offered a XXXX dollar gift card in exchange, this does not begin to cover what was paid for warranties and was refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America did not honor its Terms and Agreements set forth in their terms and agreements. Held funds and deposits, then close my Account and keep my {$500.00}. Close my account without any electronic confirmation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Recently I was reviewing my most recent " TransUnion '' credit report when I noticed that it had incorrectly reported that I had at one time lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. '' I have NEVER physically nor legally lived at that address. When I called up " TransUnion '' to please " delete '' this Identity Theft false notation off my " TransUnion '' credit report, they completely refused to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: The problem started in XXXX of XXXX. Bank of America offered ( via promotional checks ) " No Payment, No Interest '' terms on my credit cards, but repeatedly charged interest during that period even though payments were made on time. 

I had to call at least XXXX different times ( spending on avg 1 hr for each call ) to get interest that was inaccurately charged to my account removed. 

The matter was escalated to XXXX different managers, each promising a quick resolution & no further errors in processing the interest on the statements, however as of XXXX XXXX XXXX, the issue remains unresolved & I have been once again charged interest, even though I am within the promotional period & have been making my payments on time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a final statement from XXXX XXXX XXXX XXXX, XXXX via USPS mail on Saturday, XXXX XXXX, 2016. The notice was dated XXXX XXXX, 2016 and had been mailed an old address. Monday, XXXX XXXX, 2016 I contacted them via the phone number listed in the letterhead, explained I received the statement, needed to change my address, and would have the first of four installment payments in the mail soon. 

According to the document one option of payment was to make " 4 equal interest-free installments '' and " The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday, XXXX XXXX, 2016, also including a photocopy of the lower half of the letter with my signature as instructed in the document. 

No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday, XXXX XXXX, 2016, so I mailed the second of four installment payments to the same address, with documentation as required. The following day I received a letter in the mail from IC System debt collectors, XXXX XXXX, MN, dated for XXXX XXXX, 2016, stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed, minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX, 2016. 

I called XXXX XXXX XXXX Associates the next business day, Thursday, XXXX XXXX, 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX, who confirmed my paperwork and check had been posted to my account on XXXX XXXX, and cleared XXXX XXXX, 2016. He said I would need to talk to the collections XXXX, XXXX, to further clarify the situation but she was " out of the office ''. I informed XXXX that I had already put the second installment payment in the mail, and left my name, account and contact information and asked my call please be returned ; it was not. XXXX also told me they would contact the debt collector on their behalf and explain the mix up ; they did not. 

Monday, XXXX XXXX, 2016, after no contact had been initiated by XXXX XXXX XXXX XXXX, I again called the office, was told XXXX was " not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding, and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX, 2016. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Loan # XXXXI purchased property approx on 2007 with a pick pay payment finance by XXXX as my primary lender then ; loan was sold to Wellsfargo. Since then I have been trying to requested Wellsfargo to help me modified my loan due payment increment constantly. I hired an attorney to help me with modification process and it still pending ; nothing happened yet. i had been trying for the last XXXX times and lender refused to help. Also was forced to filed ChapterXXXX Bankruptcy to save my home and nothing happened. Lender refused to help me or place me on a better affordable payments and instead my monthly payment increment more and more. It makes very difficult for me to keep my property. I have been cooperating with lender since then but lender is putting me on the spot to loose my property.. I need your help since I do not know what else to do anymore ; I feel that this is a case of a predator lender overcharging me more that even property is worth or I can afford. I have been trying very hard to make payment but Wellsfargo is refusing to help me. If is anything you can do to help me i will appreciate much! I need to keep my house or a lease requested the lender to place me on a affordable modification program.. i am afraid of losing my property that I have been working so hard to keep it. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has been reporting on my credit report since 2013 charge off bad debt on XXXX account ending in XXXX. This was sent to court in XXXX 2013 with a ruling of dismissed with prejudice and also stating I am not liable for said debt account. I contacted XXXX in whom the account was sold to. The case has been deleted with them and also they reported the corrected information to all three credit reporters on XXXX XXXX, 2013 with a AUD number of XXXX. However it continues to be reported as bad debt and derogatory. I have enclosed the court documents an advise Transunion to delete this account off my credit report and I can not imagine how this has impacted my scores and credit worthiness. Your company did not investigate this as then you would have found out if you contacted the proper channels this debt should not be reported in such a manner. Please take note of the violation in place here on your company for doing this for almost three years. Take it off thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with XXXX. On XXXX/XXXX/2015 I requested a pay-off quote for the following day along with wire instructions. I attempted to make the pay-off request over the phone but was informed that it needs to be made by email. The XXXX customer service representative agreed to email me wire instructions ( which arrived the following day, XXXX/XXXX/15 ). Still on XXXX/XXXX/15 I then proceeded to email the pay-off request to the pertinent email address with a pay-off request ( good through ) date of XXXX. 
It is now Friday, XXXX/XXXX/15, XXXX XXXX and I still have not received any pay off information from XXXX. To avoid accruing interest charges ( esp. over the weekend ) I wired pay off funds to XXXX at around XXXX XXXX today. I used the amount of {$81000.00} that was provided via their automated phone system ( XXXX requires wires to be received no later than XXXX XXXX to be considered on-time for that day ; they also caution that the phone system quote may not be used for the actual pay-off ). 
I have had liquid funds waiting for this pay-off since XXXX/XXXX/15. During this excessive waiting period those funds do not earn any interest for me while I am still paying interest charges on my mortgage. I paid off mortgages before ( most recently with XXXX Bank ) and it is usually a same day process from receiving the pay off amount to wiring funds. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/2016, I paid the full balance owed on a judgment that Ray Klein Inc in XXXX Oregon in the amount of {$630.00} had against myself. We are currently trying to buy a house, so we were paying off debts in order to bring our credit score up. It has been 13 days since the debt has been paid in full and the debt is still not showing that it has been satisfied and is still lingering as unsatisfied with the XXXX County Court System. Calls have been made by my mortgage broker to Ray Klein in order to have this debt removed from my credit report. Nothing has been changed and they have not disclosed when this will be shown as satisfied due to their constant excuses. When they want the debt paid, they harass without any problem, garnish wages, sue people without an attempt at even collecting on the debt, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, they drag their feet. The people my mortgage broker and my husband have spoken with know we are currently in the process of purchasing a house and at this point is feels like they are purposefully holding out on showing the debt as satisfied. They also failed to tell us that they had other debts they were holding besides the judgment until we were ready to pay the judgment in full, with the exception of a past medical bill from XXXX. So now we are still paying a debt through this shady company who failed to inform us of further debts owed with a high accrued interest balance. I want this issue corrected in a timely manner, which they have failed to do and feels they are purposefully holding out on. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted a appeal of a recent email of modification by Suntrust. 

I was approved with the same data XX/XX/XXXX/XX/XX/XXXX and made 2 of 3 trail payments. 

I diverted from making the 3rd and final payment due to using funds for a critically ill parent that just expired. 

I informed Suntrust of the hardship and asked for an extension for that reason and business reasons in XXXX 2015. 

Suntrust canceled my forbearance and modification. 

Suntrust informed me to apply again. I did so with the same data that was used to approve me just 90 days earlier. Suntrust manipulated and falsified my data submitted and falsely used it to decline my request for a modification. 

Suntrust asked me in the appeal letter to address information regarding a lien and I sent attorney information on that matter. Suntrust did not take the information I sent as trust and modify it with my request. 

Overall, this has been a brutal experience where my data has been manipulated or falsified or discarded so as to allow Suntrust to deny my modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: Billing identity theft customer relations and fraud victimization of elite card holders treated with poor service high aprs and synthetic identity theft and poor dispute management with heavy brand information sharing between high end affinity banking partners under XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Dillards department stores identity theieves and interest rates and settlements and adjustments to accounts that are false to XXXX cards in XXXX center 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank america wrongly foreclosure my home XXXX XXXX, denied my making home affordable loan program, lost mitigation Va loan, knowing my home was going to sale and I needed urgent immediate help to stop sale. Bank of america used communication tactic, harassment, lied and denied about application and the paper work, also claimed loan specialist whom I was communicating with does n't exist, then called me and told me my home was to be sold XXXX XXXX XXXX yelled at me saying that i need to get my own lawyer and sold my home XXXX XXXX XXXX .Destroyed another XXXX XXXX and XXXX over 8 years .I am retired soldier fought for my country over 20 years and still working XXXX spending my own time and money XXXX XXXX i need help now.Bank of America DESTROYED my credit took my 20 years home memories and dreams now I am homeless Veteran. 

Company response: Company chooses not to provide a public response