AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I just found out today XXXX/XXXX/15, after reviewing my credit report that Bank of America canceled my visa credit card. I have paid all my payments on time. When I logged in to the chat line and asked why was my account canceled, reply was " We decided to cancel your account ''. This has effected my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello ; I have been working diligently to improve my credit rating the last 2 years since I am one who likes to pay cash for everything cash. I realize in order to buy a home, I need open credit lines in good standing. I have opened a few credit accounts recently ( XXXX ) and have a spotless pay history with all of these accounts. My credit score has been reflecting a favorable number due to my positive efforts and managing my accounts. Just today, I get an alert from my XXXX XXXX XXXX XXXX letting me know of a change to my credit score and when I looked, there was suddenly some " XXXX '' company that popped up with a {$560.00} derogatory account ( out of nowhere ). I do not know who XXXX is and I do not have any delinquent or derogatory accounts with anyone in at least 7-8 years. How do I get this off my report? My score dropped XXXX points because of that fictitious entry on my bureau. VERY FRUSTRATING when you have done EVERYTHING right for 2 years and have made a serious effort to improve your rating only to have some XXXX company put some XXXX on your credit report. My credit score took a XXXX point hit and have n't done a thing to incur this. In fact, I make multiple payments monthly on all my accounts to gain a better rating and then this XXXX blind sides me today. Come on! PLEASE help. THANK YOU VERY MUCH! 

Company response: Company chooses not to provide a public response
Consumer complaint: Asking for a refund for fees charged to my account in the amount of XXXX asking for a refund for the charges XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Elan Financial Services, offered a card through my bank XXXX XXXX in NC and closed it for non payment, with no notice. In addition, no invoices were sent and I was unaware there was a balance on my account. Clearly this is going to impact my credit rating. 
I used the card and then stopped usage of the card due to fees, and did n't use that card for many months ( around 9 months ). When I called about a question related to points, the firm informed me they closed my account for non payment, with no written info or calls. I validated that Elan Financial Services had my correct mailing and phone number on file and did nothing to contact me to inform me of any issue where by we could have resolved it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered a luggage from Macys.com. I was charged under the macys credit card. The shipment was delivered to my apartment but no one was there to receive it so the shipment was sent back to the warehouse. I called Macys and reported the incident. The person I spoke with asked if I still want the item. I said yes. She said that we will have to file a new order transaction and that I have to pay for it again. At that point, i used my XXXX credit card for this transaction. She told me that as soon as their system confirmed the return of the first order, they will return the credit to my macys credit card. The second order went through. I was able to received the package and was able to pay the full amount in my XXXX card. Then macys credit card did not issue me a credit for the first shipment that was sent back to their warehouse. I kept calling their customer service and they promised that the credit will be posted in my account in 3-5 business days. But then I keep receiving letters from macys stating that as per their investigation, the package was confirmed delivery. First of all, they have a wrong order number. They used the tracking number of the order that was returned to their warehouse so I do n't know how they were able to verify the information. It was frustrating that they will not take the bill off my credit card even when all the information I provided them already stated that the shipment was returned to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was covered under medical at the ti.e of service but it went to colections before i recived any bills. They never want to accept any payments except to split in thirds and that is nust not happeneing and theu file with multiple creditors who duplicaye the account u fairly.imoacting the credit score 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2012 we applied for a loan modification to Sovereign on a fixed interest mortgage on our {$750000.00} loan in 2012 due to extraordinary hardship due to downturn in our business as architects and engineers. The interest is 6.25 %. We were denied a loan modification due to some minor issue in the application and were asked to reapply. We ended up reapplying and getting denied about 4 times. The last time we were rejected on a very trivial issue. We complained to supervisors but to no avail. Then almost immediately the mortgage processing was taken over by Santander Bank ( when we called them to apply for loan modification it was the exact same staff as Sovereign Bank ). We were so upset we gave up till now. We have been struggling due to the economic downturn we ended up being a few days late on some mortgage on XXXX occasions. This has prevented us from getting refinanced, also because our income has reduced due to the downturn, we are not able to qualify for current loan refinances. 
We feel that all the interest we have been paying is unfairly charged. We should have been given a loan modification but were denied unfairly. We would like a loan reduction and refinance to a low interest rate. We currently owe {$630000.00} and {$48000.00} second fixed at 7.95 % interest to XXXX XXXX XXXX which was financed at the same time by our original loan broker as an interest only loan which comes due 2018. We still owe the {$50000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not work and have never worked for the XXXX XXXX XXXX. 
I do not Work at XXXX XXXX -- it should read XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX. 
I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter and I borrowed money from Sallie Mae to cover tuition for XXXX semesters at the University XXXX. The checks were written to the University and endorsed by my daughter. XXXX of these loans are now being handled by XXXX, which I do n't totally understand. We are trying to consolidate these loans and hopefully negotiate a lower interest rate. There are institutions that are willing to help but claim that if the loans do not show up in the XXXX XXXX XXXX XXXX ( XXXX ) they can not help us. I do not understand how money that was borrowed from the Federal Government and used strictly for tuition is not considered a Federal Student Loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15, I ordered and received a RV Vent Fan for replacement in my RV. The fan received was wrong model and was returned to seller XXXX/XXXX/15 whom then shipped the correct model that was received XXXX/XXXX/15. I paid Citibank {$250.00} on XXXX/XXXX/15 per my credit card statement for the purchase. The incorrect RV Fan Assy was returned via XXXX and confirmed. Fan project was completed. On XXXX/XXXX/15, a manager or supervisor shipped another RV Fan Assy with an apology email in reference to shipping the wrong model originally. Upon receiving the email, I made phone calls trying to stop their sending the product and exchanged emails about my disapproval. Seller said nothing they could do. I made it clear I did not want or request it. I also made it clear I did not want to be charged for it and I would refuse it. I was told I would be responsible for it regardless. This all is documented. Product was delivered in my absence and I called their sales office and again expressed my concerns. Sales person said they would immediately issue an XXXX Return Label to have it shipped back. After 8 days I had to remind them by phone and the following day, XXXX picked up item. The box was never opened. Seller never acknowledged return of product and billed my credit card {$250.00} for it. A trace on the XXXX return label showed it was delivered to seller and they signed for its return which I submitted to Citibank. The XXXX/XXXX/15 shipping is a result of shipping error by supplier after completion of previous order, same item. After 5 months of trying to resolve erroneous billing of {$250.00} for fan assy ( that I did not order and had been returned XXXX, Citibank finally accepted proof, which I submitted four times earlier showing seller received their product back. Citibank now claims I received 2 RV fan products and only returned XXXX according to their audit worksheet. My current statement shows " Dispute Resolved ''. I was never notified why or how the dispute was resolved. I would request updates but nothing ever came out of it except their Audit Worksheet couple days before I read dispute resolved in my statement. Couple days prior I had received Citibank " Audit Worksheet '' for my review which shows I owe for XXXX item of {$250.00} that never existed or even any paper work. I immediately sent them letter requesting their bases for their findings plus I again sent copies of proof on what was received from seller and returned to seller. I submitted again a complete breakdown showing debits and credits, all validated. They have not answered my requests on how they based their findings or what documentation they have. I have followed FTC rules closely in this matter and kept records of all transactions. That is more than I can say about Citibank N.A . or the seller. This is a total failure of this credit card company. I have had spent countless hours presenting documentation to them which they have ignored. Their statement of protecting the consumer is a SHAM! 

Company response: Company chooses not to provide a public response
Consumer complaint: USBANK charges me XXXX dollar " minimum Interest Charge Fee '' after I pay off entire balance 3 days late, the balance of XXXX includes a XXXX dollar late fee. After the payment posts and the balance is supposed to go to zero the credit card is charged a XXXX dollar minimum Interest Charge Fee. This is according to the bank pennies whos interest was magnified into hundreds. Higher than the credit card 's interest rate. This higher than normal rate must receive the payment first and left over balance must be left on the card to be paid back according to the law. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: How long can a mortgage company hold an escrow account after a loan has been paid off? I made a mistake when I attempted to pay off my Wells Fargo Morgtage. I did n't call and ask for a payoff balance however, on XXXX XXXX, 2015, I sent the balance reflected on my WF online bank account. On XXXX XXXX, 2015, WF debited the regular installment amount so there was sufficient funds to payoff the account. On XXXX XXXX, 2015, I called WF and the customer service representative said that the bank did n't know what to do with the funds. He acknowledged that there were sufficient funds on hand and proceeded to complete the paperwork to payoff the account. On XXXX XXXX, 2015, I received a check from WF from my inquiry. No one from WF contacted me to inquire what to do with the funds. However, if I am one day late on my mortgage, there is no doubt I 'll get a call concerning why the payment was laWF held my funds over 30 days and made money off of it before they sent me a check. 
Poor customer service 

Company response: Company chooses not to provide a public response
Consumer complaint: I revoked a payday company on XXXX XXXX from taking money out of my bank account but they have done so several times and I filed dispute with my bank but the bank refuses to refund my money back and continues to allow this company to draw money out of my account without my permission 

Company response: Company chooses not to provide a public response
Consumer complaint: US BANK HAS NEVER SENT ME STATEMENTS FOR AN CREDIT CARD ACCOUNT THAT I HAVE NEVER USED XXXX LIMIT THAT ONLY FEE WAS OWED WAS FOR REPLACEMENT CARD XXXX TO REPLACE THAT I NEVER RECEIVED WHEN I WAS APPROVED UPON FOR XXXX CREDIT LINE.. THEN THEY SEND ME AN BILL AFTER THE FACT I HAD PAID IT AND CHARING ME LATE FEES EVEN THOUGH PAID AND NEVER USED IT.. IN FACT I NEVER GOT ANY STATEMENTS SAID I WAS LATE WOULD CLEAR ISSUE BUT YET STILL ILLEGALLY PENALIZED ME BY LOWERING MY CREDIT LINE DOWN TO XXXX .. WAY ILLEGAL NEVER USED ACCOUNT TO WARRENT DROPPING MY CREDIT LINE.. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Sears MasterCard account with Sears on XX/XX/XXXX and enrolled in their Debitcare debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I made a deposit of {$100.00} into BB & T bank. Which at that time brought my account to a total of {$95.00}. Also on that same date there was a charge of {$28.00} and {$36.00} ( Over Draft Fee ). The reason for the fee according to BB & T is that they had to separate {$100.00} from my account to pay for a ATM with draw that did not happen till XXXX/XXXX/2015. By doing this they Over Drafted my account. And because of this, it caused a Dominions affect on my account where I have charged a total of {$320.00} in NFS fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company, Roundpoint Mortgage, is very incompentent. I provided needed flood insurance documentation multiple times to the email addresses provided, with proof. They still assesed flood insurance to my escrow, after receiving proof. Since working with a bad customer service experience I have received XXXX different revised escrow analysis statements with no explaination. Calling them is no walk in the park. The real kicker is anytime you go to make an on-time payment they asses an NSF fee automatically within their on-line payment system. That is just wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call on XX/XX/XXXX from Bank of America for my loan modification, and the received a an intent to close letter as of XX/XX/XXXX. It is as if they are pursing modification and foreclosure at the same time. All of this is putting distress on me and my husband. This is my husband 's mortgage and I assist him. I am a 10 month employee, and our income is limited because he is not working. 

Company response: Company chooses not to provide a public response
Consumer complaint: Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote this letter to complain about Trans Union for not following the Fair Credit Reporting Act guidelines. 
As I was browsing through my Trans Union credit report, I discovered that a credit collection agency by the name of XXXX XXXX XXXX reported me to Trans Union. The same debt is also reported by another credit collection agency known as XXXX. Trans Union never questions as to why the XXXX collection agencies reported me for XXXX debt that I had with XXXX XXXX Electric and Gas, or XXXX XXXX XXXX NJ. With that, I believe that Trans Union fails to follow the proper guidelines pertaining to the Fair Credit Reporting Act. Then recently, the same debt was reported to Trans Union by another credit collection under the name of XXXX XXXX XXXX. 
All XXXX agencies are now on my credit report with the same XXXX debt. I am asking that Trans Union does what it has to do to rectify the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my report I noticed that my ex-husband 's address appears. I have never lived at that address or have used it for any purpose. I would like it removed if possible. The address is XXXX XXXX XXXX XXXX Pa XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used a credit card with city bank and paid the full balance on line. I had called customer service to make sure not late charge will applied because I was not sure on the due date. After paying online they assure me that late charge will be taking care. City bank keep the late fee and kept charging me late fee after late fee. After noticed an email from the credit card I noticed a balance due. I called them and the customer service representative was very rude and I was treated horrible. I ended up canceling the credit card but the way I was treated was not right. 

Company response: Company chooses not to provide a public response
Consumer complaint: We filed a Complaint # XXXX with your office against Green Tree Servicing for harassment and Illegal debt collection practices in XXXX 2014 and you closed our case, and then the XXXX fined this company over XXXX XXXX dollars. We are confused as to how our case was closed when we have still taped recordings of the harassment, as well as, the improper and illegal collection practices they used. In addition, this company has now added double the debt to our credit reports and completely tarnished our credit. This company has now changed it 's name and is continuing their deceptive practices. We were denied a loan modification even after we were approved for the HOPE with XXXX XXXX our XXXX Mortgage. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: 1 ) XXXX, XXXX : TransUnion account CLOSED on XXXX XXXX but showing Late payments to present time. Error is affecting my credit! 
2 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. Error is affecting my credit! 
3 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. 
sTransUnion said they had in open investigation and it would be resolved on XX/XX/XXXX. Well it 's Monday XX/XX/XXXX and nothing has been done the error 's still appear on my credit report. 
Thank you! 

Company response: Company chooses not to provide a public response