AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX, XXXX WRONGFUL FORECLOSURE BANKRUPTCY - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, Attorney for ; The XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX United States Bankruptcy Court XXXX District of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF BANKRUPTCY CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON. JUDGE XXXX XXXX XXXX It is known to me that the Attorney 's of record and purported successors-in-interest ( " Claimant '' ) have conducted an unlawful foreclosure sale of the subject property in this order, on XXXX XXXX, XXXX, approximately at XXXX XXXX. ( Exhibit A ) The Debtor ( " XXXX XXXX XXXX '' ) has diligently investigated several suspicious documents which were examined by the Secretary of State of XXXX, and where rejected for " Authentication '' issues which involve ( d ) ; 1. Notary Jurisdiction 2. Illegible Seal, and 3. Signature does not correspond to the one on the acknowledgment/XXXX submitted 4. The document has not been notarized according to the appropriate California Civil and/or Government Code. 
5. Jurisdiction ( XXXX ) - Is under review for criminal investigation regarding a Complaint filed against the " Trustee Deed Upon Sale '' filer, ( " XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX '' ) for Fraudulent Conveyance of title, amongst other new findings to be announced, under the laws of XXXX and XXXX. 
This Complaint has been filed against the Parties named above, and a pending complaint against the Attorney 's as follow ; 1. XXXX XXXX XXXX 2. XXXX XXXX Upon new information from the authorities, Debtor shall keep this Court inform of their findings. 

Sincerely, XXXX XXXX XXXX XXXX XXXX EXHIBIT A MAILING LIST : XXXX Attorney General XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX Federal Trade Commission Reference No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Enhanced REsource Center -ERC ( a debt collection agency ) started calling my home, I finally answered the call and was told this was an attempt to collect a debt for XXXX XXXX for {$140.00}. I told the young lady she had the wrong number, as XXXX does not service my area - I have ATT. she said it was for a service address in XXXX. I stated, I do n't know anyone in XXXX, XXXX and if it has my name I am a victim of I.D theft. She stated, the account was opened and that was the service address and my name and number in GA was listed as the bill pay address. I said, I have never heard of such a thing. She kept asking, How was I going to pay the debt? I finally got her to realize it was not my debt. I asked was my SSN used and she said no. She gave me a number for XXXX. I called XXXX XXXX. and asked did they allow their customers to bill to XXXX party address without consent?, and I was told, YES. When I called back they rep. denied I had a bill with them. I have recently been told I have to go thru the fraud dept at Charter and fill out the paperwork, however, I think that is insane being that they -Charter allowed someone to bill to someone else 's address in a totally different state. I know the Identification theft process I have had to use it before. But I feel XXXX was negligent approving such foolishness in the first place and they should be held accountable and made responsible for finding a solution. I still received a bill from ERC notifying me I had 30 days to prove it was not my debt or I would be held accountable. Again, XXXX was negligent in letting the stranger use my name and address without first verifying with me. I was not aware service could be established with a SSN in any type business. I also never received a bill from XXXX XXXX alerting my of service in my name. My first notification was from the bill collectors. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My bill was paid by my insurance company after my Medicare paid it 's part. The company saying I owe them money is now out of business because of similar fraud practices. Although I contacted them several times in the past, they do not seem to understand. At this point it is hurting my credit score and I would like to get it cleared off my record. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to verizon years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX I received a mail from Experian in regards to my credit report. I have noticed that the fraudulent XXXX account number # XXXX is still on my credit report and considered negative. I have already contacted XXXX on XXXX/XXXX/XXXX to dispute the fraudulent charges of {$2100.00} due to Identity Theft. XXXX sent me XXXX letters on XXXX XXXX, XXXX and XXXX XXXX, XXXX and advised me that the fraudulent account will be removed. Experian still refused to remove this fraudulent XXXX account from my credit report. I have already filed numerous complaints against Experian in regards to this XXXX fraudulent account for the past 2-4 months. Experian responded back to me and told me it will remove this fraudulent XXXX account. Experian failed to meet consumer 's expectation and serve its customers properly. Experian has been investigating my Identity Theft case for the past 2-4 months and still failed to conduct its investigation properly. I wish Experian will be 100 % honest with me by telling me that it will NOT assist me at all with my Identity Theft case and refuse to remove the fraudulent XXXX account from my credit report. I have proof that XXXX sent me XXXX letters and advised me that it will contact Experian, XXXX and XXXX to remove the fraudulent account from my credit report. XXXX also sent me a letter of apology for my pain and suffering in regards to my Identity Theft. I still have NOT received a letter of apology from Experian. The ONLY thing I received from Experian is negative remarks on my credit report such as XXXX. It is bad enough that the suspect stole my identity on XXXX XXXX and committed the crime of theft at my expense for the past several months. But the situation is getting worse and worse because Experian refused to remove the fraudulent XXXX account from my credit report and falsely accused me of several things such as filing a lost or stolen credit card. I have NEVER filed a lost or stolen credit card in my entire life. I ALWAYS paid my bills on time without penalty. I obey the laws. Experian treated me like a criminal or suspect instead of supporting me as a victim of Identity Theft. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My mortgage servicer, SLS, has put insurance on my property since they claim I did not have coverage. My agent sent them information at least 3 times and no one at the company looked at the information nor notified me that they needed proof of other coverage. I had the condo association coverage sent to them. They wanted my personal coverage. I have always had coverage but by the time they finally said I had sent them the wrong information they had already put expensive coverage on my loan and started an escrow account. They want to charge me over {$1000.00} for coverage which has cost me only about {$200.00}. I called about this and the woman on the other end hung up. I think they do this as a total rip off to the customer. I am sure they earn a big commission on this very expensive policy which really does n't have much coverage for them. The main condo building policy is the most important which was sent to them 3 times. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I inherited a condo and changed the title 8 years ago. The original loan was sold to XXXX and now to SPS Financial. I am authorized to pay bills and take care of this property, and every time the loan is sold, they will not allow me to correspond. I then email the papers showing the title has changed ( I always get their statements mailed to my house, but they do n't look in the file to see I own the property ). I sent the Ombudsman papers in XX/XX/XXXX and she said I would be authorized in 2 days. I called today to ask why their statement shows XXXX cents in other fees, and why the statement shows {$100.00} in the taxes and insurance column. The XXXX reps I talked with either put me on hold and then disconnected me, or would not give me information on the loan because the system did n't show me as authorized to talk with them. Here 's the problem : if I send in the payment of {$530.00} ( it is ALWAYS ON TIME ), they will charge me a late fee because I did n't include the XXXX cents. And if they keep this up every month I will accumulate late charges. I pay the taxes and insurance is thru the association, as it has been AS IT HAS BEEN DONE FOR 30 years. I have XXXX credit with a FICO score over XXXX, and why this loan is always sold to hard money lenders/servicer 's is to attempt foreclosure and steal my equity. I want to resolve this YESTERDAY AND DEAL WITH SOMEONE THAT HAS A BRAIN and not hang up on me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a rental property valued at {$50000.00} more than what is worth, tried to keep afloat by renting at much lower amount than my mortgage. In the meantime, my husband and I have used just about all of our savings to pay for other necessary expenses such as : property management fees, homeowners insurance, homeowners association fees and other expenses related to the up-keeping of the property. Throughout the months I have contacted my bank ( Wells Fargo ) seeking some assistance as to it has gotten harder and harder to financially support the avoidance of foreclosure but to no avail all I heard was to do a short sale or foreclose and was told you do n't qualify for any of the programs because your loan was not from XXXX XXXX or XXXX. Now, after struggling to make payments on time I have been late 2 times and they are telling me that because I was late I am not eligible for the program ... .very deceiving, called 4 months ago and was told that did not qualify for any assistance even if I was up to date now, because we were late 2 times we do n't qualify because of it. Getting assistance from family has allowed us to make payments on time but is getting harder since the situation is not getting any resolution. Please assist us in finding ways to continue to pay for the property at a reasonable price and to be able to avoid foreclosure since it does not benefit any participating party. We want to do the right thing!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a bunch of items at a Home Depot store in XXXX, MA last year in 2015. At the register, a home depot sales associate said I could save 5 % to 10 % on that purchase and every subsequent purchase made in Home Depot online and Home Depot retail store, if I used a Home Depot credit card. So I signed up for the credit card believing that promise. A XXXX weeks later, when I purchased some more items on Home Depot, they did not give me the 5 % discount they promised on the credit card. So I called Home Depot/Citibank customer service, who clarified that there is no such terms. I canceled the card immediately, but I noticed that a hard enquiry was made on my account by Citibank. So I asked Citibank and Home Depot to remove that enquiry and that I would pay the outstanding balance immediately after. Till date, neither Home Depot nor Citibank have removed that hard enquiry, even though they acknowledge their mistake. I have made more than XXXX phone calls, sent them several emails also. They seem happpy to charge me for interests and penalties on a credit card they sold under a false promise. They have not helped me remove the hard enquiry with teh credit bureaus. 

I have never had a bad report on my credit report ever. This is the first time that a credit card company has landed me in trouble with unfair practice. 

I fail to understand what protection a consumer has against unscrupulous sales associates tjat make false promises to customers. In retail stores, when customers are in a rush, when there is a line behind the customers waiting to pay their purchase, it is not easy to scroll down and read the mnutiple pages of terms and conditions on a small XXXX device. 

I would like to have Citibank remove the credit reports on my file., remove the hard enquiry as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was to be a foreclosure auction of my house by US Bank on XXXX XXXX 2016 @ XXXX at the Court House. No one showed up from US bank, the court clerk called the Atty of record for the bank at XXXX and was told that the auctioneer had just left and would be there in a hour, that there was going to be a auction. The XXXX clerk came out at XXXX to inform the bidders that the auction had been closed with no explanation. 
I have never been to a public auction that was closed and especially 11/2 hours after the advertised sale time. As the pborrower I tried to call the US Bank to find out more about the closure and got nothing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I feel that I have been scammed by XXXX XXXX due to deceitful marketing letters. I wrote XXXX promotional checks for purchases that they sent me. The XXXX XXXX was in XXXX XXXX and the XXXX XXXX that I wrote was in XXXX XXXX. The XXXX check had a term of 0 % interest until XXXX XXXX and the XXXX check the promo was 0 % interest until XXXX XXXX. The letters that I received at that time did not have any " Special Notice '' box that they have recently added to their most recent offer letter. Now they explain in that box on the letter that in order to avoid interest you need to pay your account balance in full. On XXXX/XXXX/XXXX I received a credit for the amount of {$48.00} for interest charged for the past 4 months after I called and complained that I felt that this was deceitful and felt I was being scammed. I have now been charged interest on my last statement and will continue to be charged interest going forward on these XXXX purchases which I was let to believe was at 0 % interest. I had always paid in full in the past but I will not pay in full for these XXXX purchases since I was given an offer of 0 % interest until the dates I mentioned earlier and there was no explanation back then on their promo letters explaining that to avoid interest I needed to pay the entire amount in full including the 0 % interest purchases. I find it very interesting that they have now included on their 0 % promo letters this special box and in bold " Special Notice '' since I made the call to complain. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got divorced in XXXX. Trying to get my name off of my second mortgage without forcing the ex husband to refinance because it would make it to where he could n't afford the house. I have been requesting a release of liability from CitiMortgage since XXXX XXXX, XXXX. I have spent over 20 hours on hold. Been transferred from XXXX department to another and been told conflicting information concerning the release and an assumption. According the federal XXXX XXXX XXXX XXXX XXXX of XXXX a refinance ca n't be forced on XXXX spouse due to a divorce. I believe CitiMortgage should let him assume full responsibility for the mortgage and provide a release of liability to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/XXXX - Macy 's issues branded credit card to consumer. 
- Purchases using special discounts that were offered if the card was used on the same day ( that the credit card was issued ). 
- Macy 's issues a statement for the above purchases with a due date of XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - Account paid in full per the last statement issued on XXXX/XXXX/XXXX. 

DECEPTIVE AND ABUSIVE PRACTICES Although consumer paid the account in full based on all information provided by Macy 's / Citibank on their monthly statement, Macy 's / Citibank continued to accrue interest from the date of the last statement. 
Macy 's / Citibank is engaging in unethical practices on two counts : 1. Macy 's entices its customers to apply for its branded credit card by offering instant approval and a discount for purchases made the same day the card is issued. What it does n't disclose is that it issues a billing statement on the same date that the card is issued and the first purchases are made, which guarantees most customers will miss the first payment. 
XXXX. Even though consumers may pay in full based on the last statement provided, Macy 's / Citibank intentionally accrues interest in a deceptive manner that guarantees the account will never be paid off, resulting in exorbitant service fees and other charges. Specifically, by the time the consumer receives a statement, even if the consumer immediately pays in full, a small interest charge has already accumulated. The predatory aspect of this is that Macy 's / Citibank relies on the consumer 's reasonable belief that s/he has paid off the account in full. Macy 's / Citibank 's subsequent interest and late charges amount to deceptive / predatory credit practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was wrongfully charged overdraft fees 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the CREDITOR requesting my original promissory note to validate the loan collection. I have received a copy of the promissory note from them which is counterfeit and does not prove they are the holder in due course and does n't bind me into paying them a dime. I requested that if they can not provide this validation of debt to take their marks off of my credit report to all XXXX credit agencies also to give me the title to my vehicle. They are still sending me letters requesting that I pay them for a loan that is not even validated. 

Company response: Company chooses not to provide a public response
Consumer complaint: First, this is not a report of a personal issue but of a potentially abusive practice. Bloomingdales sent my statement today, XXXX XXXX, by email, dated XXXX XXXX. The bill is due XXXX XXXX. If this bill is sent online, there is no reason the consumer should not have it in his or her hands the same day, or, if that is not possible, the statement should be dated for the date it is actually distributed to the consumer. The Bloomingdales credit system is administered by Citibank. I happen to be financially more than OK, but people with hardship may well need the extra three days. At any rate, in the electronic age, there is no reason for a three-day lapse. It needs to be brought into line. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX 2016 i received an email with a " thank you for your application '' from cashnetusa.com on XXXX/XXXX/2016 i received 3 more " consecutive emails '' from the same sender, stating that my loan was 1 : approved, 2 : my loan was being processed and 3 : my loan was deposited. 

i did not take any loan out, XXXX dollars was deposited to my bank account without my authorization. nor did i ever create nor sign up for an account with cashnetusa.com or any other cash or load service like these online things.however, i recently signed up for XXXX XXXX cvard via XXXX to purchase a laptop, i am not saying XXXX has anything to do with it, it this started after that and it brings up a concern. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I 'm a victim of identity theft someone took my information and opened up accounts in my name and I just found out about it this is unbelievable it 's killing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is XXXX and the collection people are for first national collection bureau, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Amazon has a private label credit card called Amazon Rewards. If you are an Amazon Prime customer, when you make a purchase you offered {$1.00} in credit if you accept normal shipping rather than Prime Shipping ( two-day ). But, Amazon does not offer its customers an easy way to figure out how much credit they have accumulated and when these credits expire. As far as I can tell, the only information about credits presented to customers takes place through email. Amazon should provide an easy accounting of credits on its website. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My new loan servicer incorrectly applied an entire mortgage payment to principal, failing to give me credit for the normal installment payment. I became aware of this mistake via robo-calls every month asking me to make a payment even though it was automatically drafted on the due date each month since origination. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers