AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I used Sears to install a new kitchen in my home. The job was started XX/XX/2014 and has not been completed to my satisfaction. There were items damaged during installation and mistakes that were not resolved or addressed such as installation of an item I did not order ... the item I paid for does not exist. They cut a hole in my window sill and glued the crank into that hole. The fawcet was to be a pedestal and but XXXX holes were cut in the granite and a plate was used. The face of my microwave was damaged by installers. The sink leaked during and after installation causing damage to the new cabinet. The lazy Suzanne was flipped around and now has screw holes plus holes where the door has hit the base because the stop has already fallen off. Extra holes in my pantry from incorrect installation. They now refuse to resolve theses issues and although they have sent several people to look at the damages they do not address all of the issues only ones they can fix ( place corrector to hide holes ect ) essentially making my kitchen used. These items are not what I agreed to paid for as I paid for new items. At this point my account is delinquent with Citi Cards and they refuse to place account in dispute as they have deemed the dispute was resolved but it was not. Citi bank credit services calls my home all day every day starting at XXXX. When I try to get an answer from Sears they do not help as whomever I speak to says they do not help with disputes and no-one ever attempts to resolve except to say they will have someone call and come fix issues. They do not EVER fix and address issues. I want my bill adjusted for all of the used products I now have instead of the new ones for which I paid. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In case XXXX, SPS continues to say that XXXX was acting to protect their interest in advancing funds to pay off XXXX. 
This is not the case, because I was in NO threat of foreclosure from XXXX, and XXXX did not have any idea of arrangements with XXXX to bring the account current. 
The reason I was delinquent in the first place was because I had XXXX and it took a long time to recover. XXXX was very helpful during this time, unlike XXXX. 
Because I was not in danger of foreclosure from XXXX, XXXX did not protect their interest, but did arbitrarily ( and I say illegally and unethically ) decide to pay off my first mortgage with XXXX. 
As such, it was a cash out refinance, entitling me to the right of rescission. As I have said before, I NEVER received ANYTHING showing where any of the money went, let alone any RESPA documents. 
I am willing to see what a Judge would say in a court of law, is SPS? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had work done by my XXXX that was not covered by insurance. After 120 days, they turned my account over to a collection agency. On three separate occasions, the collection agency has called me at work, each time being told that my employer does not allow personal calls. On the third call, the operator became belligerent with me when I refused to give my checking account/debit card information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have an equity line of credit with Citibank that we receive monthly statements. Today we checked our credit and saw that we have a delinquency for an account that we have never used. We called to inquire and they said the term of the account is up ( 15 yrs ) XXXX/XXXX/XXXX and the {$48.00} fee is to pay for the lean release. We have never received any request to pay for the fee or notification that the line of credit is up. On page XXXX of the statement which is on the back of page XXXX and looks boiler plate it was pointed out that it says '' agreement is mature XXXX/XXXX/XXXX '' yet the statement on the front where all the information does not mention anything, nor does it mention that we are past due for the fee, nor does it mention clearly that the account is mature. We have received a statement for every month which means since the " maturity '' we have been mailed a statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which does not say anything about the maturity on the front of the paperwork. Nor the request for the {$48.00} fee. If we had not run a credit report we would still not be aware of this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Last year I had a collection from XXXX show up on my Experian credit report. The item was removed due to error by the collector XXXX This item has since reappeared on my Experian credit report even though it was already taken off once before. There is no basis for this collection, and it was already acknowledged to be erroneous. Experian failed to send me written me notification that this collection was being re-inserted into my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid off my car expecting my title, but it has been over a XXXX weeks and I still do n't have it! Ally is telling me that they no longer have anything to do with my obtaining my title because they sent an email to California XXXX to release my title. California XXXX says they sent it over four weeks ago, but I have not received it. I have confirmed my address where the title should have been sent and it is correct, however, California XXXX does not track mail and now want me to complete a form requesting a duplicate title ( even though I never received any title ) and pay a fee. What a rip off!! Neither entity will get involved enough to PROVIDE ME WITH MY TITLE. I kept up my part of the deal and paid off my car, but they have neglected to send me my title. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2010 Due to my closing my Trucking business due to economy not producing enough income to cover overhead. I could no longer afford my house payments. I went from XXXX a month to XXXX K in one month time frame. Thus the house was unaffordable. we called XXXX and explained it. XXXX took it over and there was very little communication with us via mail and some harassment over the phone. We submitted paper works with XXXX several times because they would n't be able to find the paper work that was faxed and mailed to them. We talked to several people in the collections department and never went to loss mitigation with them. They did file Notice of Default with the XXXX XXXX courts in 2010 and even had a sale date that we never notified of. But the continual excuses and dragging the issue around when we asked multiple times in writing for a modification did nothing but leave a huge amount because the original loan was never paid and interest and late charges were mounting. We requested a reduction in principal which many homeowners in XXXX XXXX XXXX received but they finally made a loan mod agreement and never mention that there would be a new servicer for the loan and not XXXX. The servicing company Select Portfolio Services. This company has a track record that goes back to before they were SPS. They have been involved in many foreclosures and illegal property sales at pennies on the dollar without notification. No Original note ever being presented. Why when other people in XXXX XXXX county received principal reductions di my mortgages increase to where I have a XXXX balloon payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Servicing issue. My PITI monthly payment is $ XXXX/mo I routinely pay {$2500.00} or {$150.00} extra which I intend to be used towards princiipal. This is not applied ( I assume it would allow me to avaoid a little ineterst. Servicer is un willing to make this change except on a month by month basis- they want me to provide a letter each month that I over pay. Ditech For some reason this does not feel right 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. 
XXXX XXXX
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For three weeks in XXXX of 2013, I tendered payment for the amount which met the party claiming to be the beneficiary 's demand to pay off the mortgage account and release the lien against my property. The payment was tendered in the form and amount which met the demand with the assistance of XXXX XXXX and Escrow in XXXX Washington. XXXX failed to credit the tendered payment to the account and in XXXX of 2013, informed me that they were transferring the servicing to Select Portfolio Services , Inc. ( SPS ). I immediately informed SPS of the situation and they failed to investigate the tendered payment. I informed them multiple times of the failed credit of payment in addition to other title issues and they failed to respond to my questions ( they did respond with information unrelated to my questions in bulk ). 

SPS has also submitted false declarations in order to advance a non-judicial foreclosure. SPS is advancing a non-judicial foreclosure on a non-existent, predatory promisory note made in favor of a company that did not exist at the time the note was made, and non-existing deed of trust which was unlawful in form in the state of Washington. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ( 1 ) There are XXXX separate collection charges for {$780.00} from different agencies. This is only XXXX unpaid bill. It is an ambulance charge. I have been told no medical charges are to be included in credit reports. 
( 2 ) The unpaid XXXX XXXX bill is likewise a medical charge from the same situation. As it is medical, should it be included? The actual emergency occurred 7 years ago when I was in a minimum wage job with no insurance. 
( 3 ) The XXXX account is the result of a neighbor getting my code, then getting into our home computers and again somehow getting the code when we changed it. XXXX was uncooperative in helping to resolve this matter. The unpaid charges are from the neighbor running up my bill. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained an automobile loan from USAA. During the telephone conversation to apply for the loan I was offered an extended vehicle protection plan which I purchased with non-loan funds held in a DDA account at USAA. The funds for the EVP were deducted from my DDA account on XXXX/XXXX/2015 the day I picked up the car. I had changed from one dealership to another, and from one car model to another and as such I called USAA to notify them of the new information and seek a new price on the EVP as I selected a different model vehicle than I had described during my first telephone call to obtain the loan. 

The EVP proved unacceptable for many reasons and I rejected it for a refund during the preview period during which the customer may review the documents. 

The vehicle loan was established using a check-like form presented to the vehicle dealer. The bank accepted the form from the dealer and funded the loan. The bank added as second ( with a different policy number ) EVP to the loan principal and obtained state doc stamps for the entire proceeds of the loan including this unwanted second EVP. 

Telephone conversations with USAA have proved fruitless. I have asked them to remove the second EVP they added ( they may contact the vendor of the EVP to rectify their error ), correct the loan amount and correct the doc stamps. They have failed to do so putting the onus on my to reach out to the vendor of the XXXX EVP and cancel it on their behalf. This would leave the doc stamp difference unresolved. 

USAA as an agent for the EVP has made misrepresentations to induce me to purchase the EVP. USAA failed to assist in obtaining a refund for the initial EVP. As it was purchased based on the EVP 's agent 's ( USAA ) incorrect plan description I felt it incumbent on USAA bank to assist in recouping the funds debited from my account at USAA. 

USAA improperly and without authorization added an unwanted product to a consumer loan in violation of the law. When notified USAA took no timely or definitive steps to remedy their error. Rather they insist the customer untangle the mess they have made. The number of errors, misrepresentations and the stonewalling by USAA customer service lead me to hold the opinion that this is not simple errors but a pattern of incompetence, a breach of fiduciary duty, and perhaps even fraud and I encourage the CPFB to investigate and take enforcement action. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My Mortgage is paid to and serviced by Select Portfolio Servicing , Inc., ( SPS ). In XXXX, XXXX my credit score dropped XXXX basis points. I was shocked and concerned as nothing in my life had changed that would have resulted in this drop. I investigatedimmediately by obtaining a copy of my XXXX credit reports ( XXXX, XXXX, XXXX ) and immediately noticed that SPS was reporting that I had a 30 day late payment in XXXX XXXX. I proceeded to write SPS on XXXX XXXX, XXXX and provided irrefutable proof that the payment was in fact, NEVER late. The irrefutable proof was a copy of my XXXX XXXX bank statement that showed my XXXX payment cleared my account on XXXX XXXX, XXXX and my XXXX payment cleared my account on XXXX XXXX, XXXX. I asked them to immediately correct their records. I assumed within 30 days this would be behind me and that SPS would agree that they had made an error in reporting my account 30 days late for XXXX XXXX Boy, was I wrong. To my surprise I received a form letter dated XXXX XXXX, XXXX signed by XXXX XXXX, stating in part ; " Our review of the information confirms that the information we provided to the credit reporting agencies matches the status of your account. Based on this, we will not request a change to the information we provided to the CRAs ''. Since I provided irrefutable proof to SPS, I am shocked that SPS has taken an untenable position. I wrote a second letter ( certified mail ) to SPS on XXXX XXXX, XXXX giving them 5 days from receipt of the letter to change my payment history to reflect the truth, which is my XXXX XXXX payment was never late ). I also demanded any proof and evidence to the contrary that my position is incorrect. On further investigating SPS, I have found that there are literally XXXX complaints lodged against this company, which is owned by XXXX XXXX. This company has no business being granted a license to operate anywhere in the U.S. let alone being responsible enough to conduct financial operation 's here. SPS has ruined my credit, which I have diligently worked so hard to restore after the Great Recession. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Called bank of america XXXX XXXX to fix my HELOC variable rate. was told by customer service that the rate was to become fixed at the end of the draw period in XXXX automatically. i explained that my paperwork said nothing about the rate being fixed at the end ot the draw period.. Called again the first week in XXXX XXXX to confirm that the rate was fixed as my paperwork did n't call for a rate fix at the end of the draw period.I was told that it was fixed. Called bank of america in mid XXXX XXXX about another issue and inquired again about the rate. i informed the representative that i was told it was fixed and the representative said it wasnt ... ..and they could see the other inquiries to fix the rate in XXXX and XXXX. Funny how this misinformation was given me at the time the federal reserve was meeting to raise the rates ... I feel that i was intentionally misled by bank of america. even though my rate was ultimately fixed in XXXX XXXX it will cost me more per month than it would have if they would have been truthful with me initially. I 'm sure im not the only customer that experienced this. Would like to know how much money was stolen from consumers by this little scam ... .. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an online offer from Bank Of America in XX/XX/XXXX /XX/XX/XXXX that if I open a checking account and had XXXX direct deposits within 90 days of account opening I will get {$100.00} bonus. So I opened this account and made changes to my direct deposit and split it such that {$400.00} would go each month into BofA checking account. By XX/XX/XXXX I received the welcome kit from BofA and it also had a letter saying my XXXX direct deposits had to be made by XX/XX/XXXX or XX/XX/XXXX, for me to get the bonus. This made me happy cause XXXX had not made the first deposit to BofA in XX/XX/XXXX due to paper work processing. So my XXXX direct deposits were made by XX/XX/XXXX/XX/XX/XXXX, but BofA keeps dilly dallying to pay my {$100.00} bonus. I have called 4 times so far. The second time the agent told me I would get the bonus, but when I did not by XX/XX/XXXX end, I called and have called twice since, they say decision is pending. They said they will remail me the welcome letter for me to see what it said, never did. I am very sorry I ca n't find the welcome letter, looks like it got thrown out with trash. But I did get that letter from them and in any case I got my direct deposit set up and did all that I was required to do for the bonus. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems unfair. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have bank accounts and other improper usage on my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: Complain about Credit Reporting Agency TRANSUNION : XXXX Credit Card provides XXXX Score on the monthly statement. My XXXX Score dropped drastically ( XXXX POINTS ) within one month ( from Excellent in XXXX and XXXX XXXX to Poor in XXXX XXXX ). I contacted XXXX XXXX and they informed me that the XXXX Score is provided by TRANSUNION and I must contact them. I first acquired a copy of FREE TRANSUNION CREDIT REPORT. There were no major changes between XXXX or specifically from XXXX XXXX to XXXX XXXX in any of my financial activity. I called TRANSUNION and XXXX spoke to an individual named XXXX ; he informed me that XXXX XXXX actually provides customer records to TRANSUNION and based on TRANSUNION feedback, XXXX determines credit score for the statement. Therefore, I contacted XXXX XXXX again and was informed that this is absolutely not the case and only a CREDIT AGENCY such as TRANSUNION would provide the credit score. I called TRANSUNION again and spoke initially to a XXXX ( I think ) and subsequently to SUPERVISOR XXXX with EMPLOYEE ID XXXX. I again explained the situation and shared that I am trying to understand what caused such a drastic Credit Score Change within one month. THEY WERE COMPLETELY UNABLE TO ANSWER THIS QUESTION AT ALL AFTER BEING ON HOLD AND LONG DISCUSSION. All of these folks ( XXXX, XXXX, & XXXX XXXX seemed to be within INTERNATIONAL CALL CENTERS ; I am not against this at all and support this business practice if appropriate. However, at this point I wanted to speak to SOMEONE higher on the ORG CHART IDEALLY WITHIN XXXX to help with such an important issue ( CREDIT score going from Excellent to Poor within one month causing issue in getting a Loan ). XXXX stated that they do not have the capacity to elevate this further or even possibility to transfer to someone within XXXX for further discussion. IT IS BEYOND UNACCEPTABLE that an AGENCY working directly with / for the XXXX GOVERNMENT and impacting XXXX CITIZENS so seriously with something as important as CREDIT SCORE has NO ONE who can provide appropriate explanation on their methods and / or elevate the issue to appropriate customer service MANAGEMENT within XXXX. I also do not appreciate having to provide my social security number and such key information in current cyber environment so many times to so many people outside of XXXX ( or even inside XXXX for that matter ). I am beyond frustrated with first trying to understand the reason behind the actual issue and subsequently the bigger issue of sensitive information exposure, credit scoring methodology & associated impact to XXXX XXXX, and complete lack of CUSTOMER SERVICE or RESOLUTION of any kind. I also intend to contact the attorney general, any government agent XXXX senator / congressman ), and finally news agencies if necessary in attempt to arrive at appropriate conclusion for myself and ensure others are not similarly being " screwed ''. Please contact me with effective feedback and resolution as soon as possible. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2014, my husband and I separated. During that time he missed some payments on the mortgage. There is some payments that we made that were never posted to our account. Our home owners insurance premiums in our escrow is way off as well. We have tried to clear these issues up with them but have been unsuccessful. We applied for a home modification, but the terms of modification would have left us owing way more on our home than it is worth. We continued to pay our mortgage payments but XX/XX/XXXX, Bank of America refunded our payments and the house is now in foreclosure. We are not allowed to make payments on the house anymore. We drove 3 1/2 hours one way and spent over 4 hours applying for principal reduction but was advised that we can not get one. We owe about $ XXXX on our home and it is only worth about $ XXXX. We filed for bankruptcy many years ago and Bank of America did not reaffirm our loan so we can walk away for the house without any penalties. We want very much so to keep our home but we can not reaffirm the loan owing way more than it is worth. We have tried to work something out with Bank of America but have been unsuccessful. 

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