AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX of 2015 I had a large charge of {$2400.00}. from a vendor who I contacted to get a refund in XXXX. Since the charge was on my XXXX Barclaycard statement, I contacted their dispute department regarding this charge which they said do not pay until dispute is resolved.XXXX statement reflected no credit. Then XXXX received a letter from Barclaycard 's dispute dept that {$2400.00}. credit was issued twice therefore I owe them this money. My previous bill was {$520.00}. now amount due by XXXX of XXXX is {$4600.00}. My complaint is I think Barclays mishandled the funds in order to make a very large amount due so they could collect 25 % interest which I believe is grossly unfair when charges should have just cancelled out. Now they make it impossible for me to pay this huge amount in full and they gouge me for XXXX & interest on the balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX called my home number listed allegations filed against me and failure to contact her will result in legal action. the name given ( XXXX ) is not anyone that resides in our home, currently or previously. We do not have any outstanding debt, or allegations against us.XXXX. number stated it is a debt collector and kept me on hold ( probably long enough to get my office number ) and then told me the person at number XXXX is not available, please leave a message. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My issue is with a Home Depot credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the Home Depot website and would not accept payments over the telephone. I was contacted by XXXX and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from XXXX in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from XXXX, to XXXX according to the XXXX representative I spoke with today. My last communication with this company was XX/XX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX taken in XXXX was added to parents bankruptcy XXXX yrs ago. Late husband, me and my parents bought home together so Bankruptcy allowed XXXX on their bankruptcy case. Some paymts cashed, others returned. 3 mos. prior to bankruptcy ending, sold loan to XXXX XXXX XXXX, serviced by Green Tree Servicing. Green Tree merged with DiTech recently. Late husband has been dead for almost 12 yrs., but DiTech and Green Tree have been sending letters to my XXXX address to my late husband. When I contacted Green Tree, it initially seemed it would go smoothly, except there 's over $ 2k with Bankruptcy that should have been posted to our loan more than a year ago and no one will file a claim for the money, they refused to give my atty an accurate acctg, and wo n't give me an accurate balance or establish payments. Atty has quit case Also, I remarried and moved to XXXX in 2006. XXXX transferred loan to a XXXX office and changed the acct no. on the loan. Now that loan has been sold, Green Tree and DiTech have been listing my current husband 's home as the lien property, which it is not. They outright refused to correct the information on their correspondences, even though they 've admitted they have the proper lien address in their computer. I am going to call them again and try to get this straightened out, but the bankruptcy has been deemed complete and over a year has passed. We have n't made a payment because we were advised by either the bankruptcy court or the trustee to keep payments until they correct the lien address, which they refuse to do. I believe they are trying to put us in a position that allows them to foreclose on the property. A rep. for Green Tree told me, in a recorded call, that foreclosure would not happen, but would not tell me what the payments would be. Instead, she told me to offer her a payment amount, and then suggested {$500.00} a mo, which is higher than the original payment. At that time, I would n't agree to any amount because they did n't have the correct balance. When our atty at the time requested an accounting of the payments, including a correct balance after the $ 2k-plus has been posted, they returned the $ 2k-plus to Bankruptcy, stating they did n't know what acct the money was to be applied. Since I have specifically spoken to several representatives from Green Tree, they were completely aware of which account the money should have been applied. Green Tree, and now DiTech, has done nothing but give us the runaround. My parents still live in the XXXX property but are old and sick. We want to sell that property and move them to XXXX with me, but can not do that until we are able to straighten out the account with DiTech. Since they refuse to correct the lien address, I 'm at a loss, so I have decided that filing this complaint may help, especially since the recent letters which have been addressed to my now 12-yrs-passed late husband, were sent concerning submitting a complaint about their handling of our account. These letters were sent, according to a DiTech rep, due to recent litigation. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: This is the XXXX time I am filing a complaint against Wells Fargo Home Mortgage in regards of the XXXX late status on my credit report from XXXX/XXXX 2012. I have submitted countless documentation verifying the payment was made on time and they refuse to acknowledge it and continue to report that the payments was late. 

Company response: Company chooses not to provide a public response
Consumer complaint: i paid XXXX for services i did not receive.i was repeatedly promised i would get a website that would be very profitable.i know this business never planned to provide the products or services promised me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has either reported, or caused the report of, a code " D '' ( Default ) in the HUD CAIVRS ( Credit Alert Verification Reporting System ) against my social security number in relation to an FHA case that pertains to my ex-wife. I am in contract on a new home using a VA loan through XXXX and can not proceed with the loan ( current closing date of XXXX XXXX ) until this code is suppressed and converts to an " A '' ( Approved ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently had a check I sent to my long distance company stolen along with other check sent to that company according to a company spokesman I talked to.The check was then rewritten and cashed for {$2400.00}. The person used a fake name, no identification nor account number was on the cashed check. No stamping was on the check from a bank. I reported this to Bank of America on XXXX XXXX, 2015 and was told the matter should be resolved in 2 weeks. I started calling XXXX XXXX, and was told a analyst would respond within 24 hours.I still have not been contacted by the bank. In the meantime BoA is bombarding me with returned check fees. Again I was told the analyst would call me and take care of it. It is now 22 days since reporting this theft and still no phone call, e-mail or mail response from BoA. 

Company response: Company chooses not to provide a public response
Consumer complaint: See the attachment of all the FCRA violations by this company, XXXX. I verified through a phone call this morning ( XXXX/XXXX/15 at XXXX XXXX XXXX that our account is and has not been past due yet they are reporting it as such. They are also reporting 2 times which is double the negative impact on my credit. They are reporting the account as CLOSED but it 's an active open mortgage? I hope you can look into the practices being observed by this company and help them to understand what the rules are. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started the short sale process in 2013. This is now my third time undergoing the short sale application and awaiting approval. My experience with US Bank 's service and the prolonged short sale process has been agony. 

I 've encountered many, many challenges in working with the bank for the short sale. The most recent issue was my case kept getting labeled as a deed-in-lieu instead of a short sale. This caused all my paperwork to expire and I had to complete the short sale application for the third time in XXXX of this year. During this laps in communication, US Bank also changed the locks on the property without my knowledge. As the prospective buyers attempted to view the property, they could n't get in! The prospective buyers were the persons who alerted me that the locks had been changed on the property. This is unacceptable. 

Repeatedly the relationship manager assigned to me has called me to give a status update of " your file is in processing ''. Years have gone by without any significant update on my case. As a result of this lackadaisical effort in getting the short sale processed, a THIRD buyer walk just away from the deal because of the difficulty of getting business done with US Bank. The offering price was {$11000.00} more than what the bank would have settled for. 

I am beyond frustrated and disturbed with the unorganized process in which this bank does business. I urge the consumer bureau to investigate the unethical handling of my case. Repeatedly, I 've requested to speak with a manager in this matter and I have been unsuccessful in my attempts. I am hopeful that the bureau will be able to get answers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Forced placed insurance 

Company response: Company chooses not to provide a public response
Consumer complaint: I got pre-approved for a conventional 30 year mortgage with Wells Fargo Bank in XXXX 2015. In XXXX 2015 my offer on a condo was accepted by the seller and I began the mortgage application process with Wells Fargo. The bank agreed that they could complete the loan process on the expedited schedule that the seller requested for the sale of the property. There were many delays during the first few weeks of the loan process, but XXXX XXXX XXXX, the mortgage banker, continued to assure me that she could get the loan done in time. Approximately 3 days before I was supposed to close on the property, XXXX XXXX called me and said that they could n't do the loan unless I paid another {$150.00} to file an exception, which she said would allow them to complete the loan and allow me to close by the end of the week. I felt that I had no choice but to pay another ( non-refundable ) fee, or I would lose out on the home I was planning to move into within a week. I had already paid {$490.00} for an appraisal and credit report that the bank ran for the loan application. Two days later I called XXXX XXXX to find out what time my closing would be the following day and was told that I could n't close, as my loan had n't been approved. I was informed that they would need at least 60 days to process my mortgage, and could never have done it in the shorter timeframe that they initially agreed to. She began to push me towards an XXXX loan as an alternative to a conventional loan, suggesting that they could get that completed sooner. An XXXX loan was not in my best interest and I told her several times that I wanted the conventional loan they had originally pre-approved me for. After an extension of several weeks, and with me calling the bank everyday to find out what was going on, I was told that they could n't do the conventional loan and that if I did n't want to switch to an XXXX loan, that it would be best for me to move onto another mortgage bank. I would be provided with any paperwork they had, but none of my money would be refunded. After struggling with the decision to walk away and lose out on a lot of money that I paid in good faith based on XXXX XXXX 's assurances that they could give me the conventional loan they had pre-approved me for, I switched to a different lender, who was able to process my conventional mortgage loan within 3 weeks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a bill from XXXX for an xray done on my son that has been paid in full ( proof of payment attached ). They referred me to a collection agency : Americollect Collections. I disputed the debt within thirty days of getting the collection notice and sent proof of payment to the collection agency. I have received no further written communication from the collection agency. I have called them and they indicate that I still owe the debt per XXXX. 

The bill was paid in full on XXXX/XXXX/2015 and they are still engaged in collection activities as of XXXX/XXXX/2015. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote Transunion over a year ago telling them I agree with their investigation and to take accounts out of dispute. They did not and I now can not get a home loan 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells fargo has harassed me by calling me at home at least XXXX times a day and at work at least XXXX times a day, They take payments and place them in " unapplied funds '' for extended periods of time allowing the mortgage to become late and charge me a late fee. 

after several demands to stop calling and a cease and desist letter they are still calling several years later even when the loan is current 

Company response: Company chooses not to provide a public response
Consumer complaint: This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. 








C/C XXXX XXXX -Attorney General State Of CA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NOT A DEEP INVESTIGATION. THE NEGATIVES ARE NOT MINE I 'VE LISTED THEM. 
XXXX INQUIREIES-NOT AUTHORIZED ( XXXX XXXX IS TAKING OFF ) XXXX XXXX-SPECIFIC REASON FOR DELETING-PAID OFF-INSURANCE-ID-XXXXXXXX PAID BY INSURANCEXXXX XXXX BY MEDICARE-DELETE-REASON TO DISPUTESENTRY RECOVERY-SPECIFIC REASON TO DELETE-NOT MINE ID USED TO RENT APARTMENT/MISUSE OF XXXX VERIFY WITH DOCUMENTS STATE ETCSUN LOAN-PAID OFF REASON TO DISPUTE-SPECIFIC-PAID OFFBUSINESS AND PROFESSIONAL-SPECIFIC RESON TO DISPUTE-MEDICARE PAIDXXXX XXXX XXXX-SPECIFIC REASON TO DISPUTE-PAID IN FULLXXXX XXXX BILLING-NOT MINE WRONGFUL ACCOUNT-SPECIFIC RESON TO DISPUTEXXXX XXXX-NOT MINE SPECIFIC REASON TO DISPUTE 

Company response: Company chooses not to provide a public response
Consumer complaint: I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither XXXX or Experian is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have a VA home loan through US Bank. In XXXX, I left my work position XXXX to care for my XXXX mother living in my residence in XXXX XXXX, XXXX I continued to make payments from my savings and was up to date on all payments. My mother passed a year later. At the time she was renting my property while I lived in XXXX. Upon her death, I consulted a real estate agent and property management company who told me my property was significantly lower than what I paid. If I tried to rent, it would also cost a significant amount of money and I probably would n't make enough to cover my loan payment. So I spoke with US Bank and decided to do a short sale under. During my short sale XXXX XXXX to XXXX ) I received at least XXXX to XXXX sales proposals that US Bank took so long to make a decision that the proposals fell thru. Mostly due to US Bank asking for information they already held, unreasonable time limits for information, and just plain inability to be timely. I missed XXXX deadline where the information came in over a holiday weekend and was for the purchaser 's decision. The next day I received an email from the Bank rejecting the application and shortly after a notice of foreclosure. I still continued to make payments until it depleted my savings. I have XXXX and extreme XXXX and was unable to work during this period. So my savings was all I had. Once the last application was rejected, I put in a request for deed-in-lieu. This was early XXXX, I have yet to get an update from the bank. I started working again in XXXX XXXX. I called the bank and wanted to see what my options were for the loan. I was told, I would be unable to make payments if I could n't pay in full. I asked was there a chance for a payment plan and was told no. No options were provided to remedy the situation from the bank. So I left my loan in deed-in-lieu status request. This is a small listing of the issues I have had with US Bank. I really feel personally the bank is taking advantage of me and veteran 's in general trying to personally ruin credit and defraud the federal government in delaying veteran short sale requests. Not really sure where to go from here, but I want this situation over ... 

Company response: Company chooses not to provide a public response
Consumer complaint: During the financial crisis, my loan was going into default in 2010, Bank of America did not apply my past payments to my home loan. I was told to make 12 months of payment, in order to be considered, I made the payments, but was n't offer a modification nor was the monies I paid applied to the loan. Due to Bank of America employees leaving the company, no one tracking my account or assisting me for 2 years, the account continued in default. Earlier this year, I was offered another opportunity to make trail payments for consideration of a modification, which I did and made those payments on time. Bank of America did not apply my past payments nor trail payments to my loan. The monies HUD advanced to Bank of America to pay for past due amounts was not applied to the past due amounts, but Bank of America wrote up my loan, and then reduced it by the monies advanced by HUD, thereby leaving my outstanding loan amount unchanced. Bank of America is also claiming I owe them {$15.00} for the processing of the modification, which is showing up in my statements. The loan should have been decreased by monies I and HUD paid towards the balance, but they did not do this, nor inform me that they would be applying the monies they way they did. In addition, Bank of America has not informed the credit bureau that the loan is no longer past due, but current and in good standing. 

Company response: Company chooses not to provide a public response
Consumer complaint: My client have tried several times to get a loan modification with CitiMortgage for over two years now. My office has complied with their requests for documentation and information, only to be told that the file had " expired '' or some other non-acceptable answer. We had complained about this this sad state of affairs with the XXXX office without any real results. 

Company response: Company chooses not to provide a public response
Consumer complaint: Calls back to back without leaving a message identifying who they are. Have had 5 or more calls to my phone in one day. Called me multiple times even after I set up a payment to resolve the debt and insisted I use a different form of payment for faster processing. The rep XXXX and her supervisor XXXX demanded payment from me during initial Contact before I received a first notice and over shadowed my right to validate or dispute the debt within 30 days. Threatened to report to my credit if I did n't pay within the first 30 days of debt being in collections. Both people I spoke to were rude and cut me off every time i tried to speak, they tried to make me feel stupid about my rights and hung up on me multiple times. There were several calls where XXXX and XXXX did not advise me the call was recorded or verify if I was the correct person on the phone. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I saw in my credit report that is from 'Trans Union XXXX File Number XXXX, report created date XX/XX/2015I had never owed to XXXX, XXXX and Original creditor XXXX, I had never paid to anything to collection. This balance paid on time to original creditor never late. So my credit report has incorrect information. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX wrongly charged house fee via BankXXXX. I filed the dispute to Bank of America credit card. While they were investigating this dispute, XXXX XXXX XXXX refunded to BankXXXX. I passed the refund transaction record to Bank of America. But they still charge me. They told me they did not receive this refund without any further investigation. 

Company response: Company chooses not to provide a public response