AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I opened a credit card account with Macy 's and waited for my 1st bill, it was delivered in XXXX 2015, quite late with little notice. It was due within two days, so I called the number for payments and made a payment in full for XXXX for my XXXX purchase. I got a confirmation number of XXXX. Today, XXXX/XXXX/2015, I received a call saying they never received my payment and I am 2 months late. She says they have been mailing notification but I have not received anything. The bill is reported as late and in collections and they are charging me fees on top of this. They are using an address in SC. I have called this morning 4 times and am still on hold this is because they are busy?? 

Company response: Company chooses not to provide a public response
Consumer complaint: The Sears card billing was sold or transferred to Citibank collection They called over 10 time in one day. The problem is that they sent the bill to a XXXX XXXX XXXX this has happen about six time in past and they have billed me four times the amount of what is the monthly payment {$4300.00} which I have been paying on time for over 12 years or more with the same address for billing for over 12 years. They changed the address to be able to collect late charges it has happen so many time before and I have paid the late charges. This is a crime with all the intent to defraud the consumer .I have spoken to them and asked why did they Sears or Citibank change my address without my permission. My address for the last 12 years has been XXXX XXXX XXXX XXXX Florida XXXX same phone number XXXX XXXX which has been in their files for over 12 years. I am asking for an Federal Investigation and a Postal inspectors for mail Fraud using the US Mail service to commit a Crime. This problem I am sure is happing to other consumer we need and demand you to Investigate this matter.My husband is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from bank of america. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX we entered into a contract with XXXX XXXX ( homebuilder ) and DHI ( lender ). Several discussions with their MLO XXXX XXXX ( XXXX XXXX ) led to a submitted application and preapproval. It was during this preapproval that we discovered the existing of a Federal Tax Lien on my husband 's ( XXXX XXXX, XXXX ) bureau. We believed at the time the lien was associated with his father. My husband does out past income taxes and is currently on a repayment plan, paid as agreed. This was disclosed to the MLO. On XX/XX/XXXX XXXX emailed us to inform us that the application was going to be receiving credit approval ( conditional ). We fully expected to be required to provide proof of payments, balance, etc. but to our surprise XXXX asked for nothing pertaining to the XXXX. On XXXX XXXX was provided a copy of the installment agreements and payment history for the lien after a discussion with my husband. XXXX acknowledged receipt of the documents. We received a conditional approval on XX/XX/XXXX from XXXX XXXX ( XXXX XXXX ) and satisfied the conditions of the approval ( which still requested nothing regarding the lien ). On XX/XX/XXXX I received a call from XXXX stating that the underwriter made a mistake and realized that a conventional/conforming loan was not an option as it could not be sold to Fannie/Freddie and they would need to have us enter into an FHA loan instead ; which required even more money down due to XXXX XXXX FHA limits. 
The error is this. XXXX was provided the information and in escalating the satisfied conditional approval of the conventional loan it was revealed to me by XXXX XXXX ( Asst. Nat'l Resolutions Manager ) that in an internal email/document between the underwriter and XXXX AFTER having received our lien documents and payments that he informed underwriting the tax debt/lien was not associated with XXXX which led to their credit approval. It is my strong belief that this is a violation of UDAAP in that XXXX had direct knowledge and confirmed receipt of the information but withheld the information in an attempt to gain the approval. However, at my request, I asked XXXX to investigate the loan amount on the approval as it was $ XXXX short at which time underwriting somehow became aware of the voluntary and/or deliberate withholding of our credit information and XXXX contacted me to pursue the FHA loan instead. 
The situation was escalated and XXXX ( ph # XXXX ) admitted there were " communication errors '' on behalf of XXXX but that we 'd be required to pursue the FHA loan and provide approximately $ XXXX in closing costs. She acknowledged with XXXX 's manager ( XXXX ) on the phone that errors were made but XXXX would not portfolio our loan and our only option was the FHA. I cited my concern with UDAAP, ECOA, HMDA, and TILA and asked to speak with a compliance officer or legal team representative and she refused to provide me any contact of a subject matter expert. I have every conversation in email as well as our conditional approval and conditional credit approval that were both satisfied. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was issued a new chip card, and had no idea that i would need to re-enroll in auto-payments. I received a letter stating that my account was past due, attempted to access my account. Could not see any more than 2 months. Talked to numerous customer representatives, none of which were really able to answer my questions. Finally just closed my account. I still have no idea why my account was not paid automatically as I had set up, or why I was able to access only 2 months of statements. I had issues with this company in the past, and was going to close the account, but had been talked into keeping the account open when I had called to cancel. I have a number of other cards and I have no problem keeping the accounts paid on time. There are too many other good companies out there with great cards, this one is awful. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I opened my e-mail from my citi cards account to be informed that the line of credit on my account was being reduced from {$24000.00} to {$21000.00} and the stated reason was that I had big balances on other bank credit card accounts. I have had the citi card since XX/XX/XXXX, and with the exception of XX/XX/XXXX, I have paid my account in full or in an amount exceeding the minimum payment each month before the due date. Last month I was visiting friends in the Florida XXXX when I mailed my citi card payment on XX/XX/XXXX, but the payment was not credited to my account until XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has submitted to the collection company Hunter Warfield unauthorized charges for cleaning fees from apartment I lived in for 1-year until XXXX/XXXX/XXXX California Civil Code Section 1950.5 States : " The tenant is not responsible for damages resulting from normal wear and tear You can not charge cleaning fees for conditions caused by normal wear and tear during the tenancy or previous tenancies, or for cleaning a rental unit that is as clean as it was when you moved in. '' Civil Code Section 1950.5 ( b ), ( e ). 

The lease agreement states : That I agree to leave the premises clean and in the same condition received, except for ordinary wear and tear. I left the premises in better condition then I received ( included are photos of the dirty apartment when I moved in ). According to the lease, California Civil Code and California Tenant Rights : when I provided my 30-day notice I 'm entitled to an " initial inspection '' that requires a list of proposed deductions beyond normal wear and tear. This inspection was scheduled on XXXX/XXXX/XXXX to be held on XXXX/XXXX/XXXX from XXXX-XXXX and no one showed up. I have phone records showing I called and talk to manager XXXX XXXX and she never got back to me, and no one showed up for my scheduled initial inspection. Under California Tenants ' Rights, the initial inspection shall provide itemized statement of intended deductions beyond normal wear and tear. 
The cleaning fees that Sequoia equities is charging are from normal wear and tear, which under California Civil Code Section 1950.5 I 'm not responsible for because I left the apartment in better condition and received my full deposit back. They have no documentation, stating that the cleaning fees are from beyond normal wear and tear because they never showed up to the agreed initial inspection providing me with the proposed deductions and the opportunity to fix any identified deficiencies beyond normal wear and tear. 
On XX/XX/XXXX I sent a letter to Hunter Warfield disputing these claims by providing evidence and asking them to validate the debt within the required 30-day period. Under the Fair Credit Reporting Act they are in violation by reporting these claims to the bureaus some 4-months later with no accurate validation required. After not receiving the validation. I contacted XXXX XXXX on XXXX/XXXX/XXXX no response so I called Hunter Warfield again on XXXX/XXXX/XXXX at XXXX pacific and talked to XXXX asking again for Validation they said " NO '' then a manager got on the phone and I asked him the same thing he said " NO '' then hung-up the phone. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This is a deb for the person named " XXXX XXXX '', but my name is " XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014, but they were very rude. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 my wife and I applied for a 30 year fixed home mortgage with Wells Fargo. On XX/XX/XXXX the rate was locked for 90 days at 4.00 % interest rate. The loan was approved on XXXX XXXX, 2015. In order for us not to pay mortgage tax a XXXX form had to be executed, and Wells Fargo started the process to obtain the XXXX. This document took longer than anticipated to produce and on XXXX XXXX, 2015 Wells Fargo added a Rate Lock Extension fee of {$1200.00} to the loan. The XXXX was still not forthcoming and on XXXX XXXX, 2015 Wells Fargo added another {$2500.00} to the loan. I contacted Wells Fargo about the extension fees, and additionally brought to their attention that mortgage rates had dropped to approx 3.6 % while they were charging me {$3700.00} to extend the rate. I started the process to look into refinancing with our present lender XXXX and brought this to the attention of Wells Fargo. Wells Fargo agreed to reduce the rate by 1/8 to 3.875 % and told me that XXXX would not approve my loan, and that I needed to close the loan with them. I was taken aback by this brash behavior, essentially strong arming me to close on a loan with at a rate that was at least .25 % higher than what I had been quoted. Since I was still undecided to accept these terms or not, Wells Fargo offered to forgo the rate lock fees, but demanded that I close the loan in a matter of days. 

I felt that I was being pushed to make a bad decision in haste. Within a few days Wells Fargo cancelled the loan. On XX/XX/XXXX Wells Fargo sent me notice that the loan was denied due to " Insufficient Assets to Close the Loan ''. I communicated with Wells Fargo and requested XXXX explanations from them : 1. To quantify the shortfall of assets to close the loan 2. The source that provided this information to Wells Fargo. 

Wells Fargo has refused to answer these questions based on " ... the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) do not require us to perform further research .... '' 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is the third time I 've had to contact CFPB about a student loan that went to collections and I 'm trying to set up a payment plan. Case # XXXX AND XXXX. The last correspondence from Preformant Recovery XXXX XXXX informed me the policy had changed and I could sent the XXXX. This was faxed along with the first page of his letter. That was the first week of XXXX 2016. I than called XXXX XXXX and was able to leave a voice mail for him on XXXX XXXX informing him of the fax sent yet no written correspondence of a payment plan. I 'm trying to repay what I owe, but working with Performant Recovery is challenging. Is it their intent just to garnish wages than actually work with you? I have a file folder of all the correspondence which is over XXXX '' thick where I 've repeatedly sent letters and the required documents without any results. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed a contract on or about XX/XX/XXXX for 1 year ( 12 months ) of XXXX for my son. The terms of the contract were {$100.00} to cover the cost of the uniform, etc, and 12 monthly payments of {$99.00} each ( total monthly payments to be {$1100.00} ). My debit card was charged {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX for the down payment. 

On XX/XX/XXXX and XX/XX/XXXX, my debit card was charged by XXXX XXXX XXXX for {$99.00} for the first two monthly payments. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my debit card was also charged $ XXXX monthly payments, except instead of being charged directly by Martial Arts Legacy it was being charged through their payment company. 

When I noticed the XXXX charge, I called the billing company and told them to stop billing my debit card. They agreed, and I guess in turn notified XXXX XXXX XXXX, who then informed me that I still owed them 2 payments. I told them I had already made all of my payments, and they responded by stating they would send my account to collection for the final 2 payments ( which I had already paid ). 

Not including the down payment ( which I knew was separate ), I made 13 monthly payments of {$99.00} to Martial Arts Legacy when I should have only made XXXX. This summer I received a letter from Collection Services of Nevada ( CSN ) stating that they were attempting to collect a debt of {$190.00} for XXXX. I went to their office and provided them with a copy of my contract, along with copies of bank statements showing that all of my monthly payments ( plus one additional ) had been made. 

On XX/XX/XXXX I received another letter from CSN stating that they " do not agree with your position '' and claiming that they had " supporting documents '' that showed the debt was valid and that they 'd sent me " validation of the debt. '' Just for good measure, they threatened to file a law suit if I did n't pay. 

They have never sent me copies of their " supporting documents '' nor " validation of the debt, '' I have provided them with proof ( bank statements ) showing that all payments to XXXX XXXX XXXX were made, yet they are still reporting this to credit agencies and threatening me with a law suit. 

Can you please help me resolve this? 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently logged on to my account with Green Tree Ditech mortgage servicer and found out that I am being charged for an insurance that I have never had. I have paid for my mortgage principal and interest and do not escrow, as I pay my own insurance and taxes, furthermore I am have about 7 years left and do n't exactly know when and what this insurance is for, I did not call them for an answer as I have not communicated with them for the last 3 years, since I had issues in the past with payments, this is no longer the issue since almost an entire year, I pay biweekly and pay and extra XXXX via automatic payroll deduction. I am filing this complaint because I know something is not right, it should be noted that the deductions do not appear on any paper statements, I only found it buried in the payment history online. Thank You for your assistance in advance 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Shellpoint Mortgage has reported a false information to us about a foreclosure sale date. They told us that there is a sale date on the property, but there is none. We have submitted an offer for a short sale and they advised us that because of the foreclosure sale date on XXXX/XXXX/2016 they can not review the offer, but we have called and they advised us that there is NO SALE DATE. I do not know why they would lie to us about something so important as sale date. The buyer is willing to pay what what the investor is looking for, but they gave us wrong information. PLEASE HELP US 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX and we have a first and second mortgage with US Bank. Due a business venture that did n't pan out, we eventually had to file a chapter XXXX bankruptcy with a discharge date of XXXX XXXX, XXXX. 
We were able to get our first mortgage modified after a 3 month pre-trial period in XXXX. The second mortgage was supposed to be modified along with the first but was eventually denied for reasons unknown. 
We decided recently to apply for again for assistance on the second mortgage modification in XXXX of XXXX, and were eventually granted a 3 month pre-trial that finished in XXXX XXXX. Since then however, no permanent modification has been presented even though we continue to make payments for the pre-trial amount. Foreclosure sale dates have been pushed back numerous times as well as this lingers in review. My relationship manager continues to say she is waiting to hear from her supervisor whom is waiting to hear from management on the status of the modification paperwork. We are hoping to have this holding pattern cease and the permanent modification plan to be presented so that we can get this loan fully back on track. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XXXX TV ( {$890.00} ), TV stand ( {$170.00} ) and wireless adapter ( {$58.00} ) from Best Buy XX/XX/XXXX and the purchase, totaling {$1200.00}, was considered a " same as cash plan '' with no interest financing for 36 months. I made regular, timely payments every month to Best Buy ( normally exceeding the " mininum balance due '' reflected on the statement ) and on my XX/XX/XXXX statement showed a previous balance of {$1300.00}, a {$200.00} payment, and interest charges of {$1200.00} ( 96 % of the original purchase amount ). I have been a loyal Best Buy customer for decades and have utilized their " no interest '' offers on many occasions, being charged interest at the end of the program period only on the UNPAID balance - in this case {$380.00} - not being charged accrued interest on the entire amount for the entire program period. I was informed this was due to the Best Buy 's change to Citibank MasterCard as their financing servicer. As I never ACTIVATED my Best Buy Citibank XXXX ( I still have the original credit card received with the activation sticker on the front ) and was not informed of the change in the financing terms, I would request CFPB advocate on my behalf with Citibank to adjust the interest charge to only the UNPAID balance. 
I sincerely appreciate any help or guidance your organization is able to provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I pulled our Credit on XXXX, and unfortunately came across an account that has been Reporting every month the past 2 YEARS, stating we have n't paid when in fact we Paid In Full, With Cash 2 Months after the Creditor Reported it. I went to the Original Creditor XXXX, Spoke with the Manager, showed her my Paid Off Receipt from XXXX, Showed her the picture I took of My Credit Report and gave her the Collections Name : Collections Services Of Nevada & Number. She then went behind a desk for a brief moment. Came back and said she left a message but no one answered and it would n't be until Monday that We hear anything. I then left, and immediately called as I got in our car ( Hubby was driving ). I got right through to the Legal Department and Spoke with XXXX from Collection Services Of Nevada. After explaining our situation, she got ahold of XXXX who was the Representative on our account who was going to put in the XXXX for it to be deleted from XXXX of our Credit Reports. XXXX then told me that someone just called while we were on the phone and Reported that we had paid it off in full 2 years ago! She then requested She get a Fax number from us so she could send over the XXXX form right away and that she was also sending it in the mail. I went back to City of XXXX, Spoke with the XXXX and requested ALL our payment history from the past years and that I was well aware she JUST NOW REPORTED that we paid it off. I asked her several times why she lied to me and pushed me out the door. After printing all my requested information, she apologized and got teary eyed. Now I was n't looking to make this lady cry, I simply want answers as to why this was n't handled property or CORRECT 2 years ago!! I was told by XXXX from Collection Services Of Nevada that this will be handled BUT given the prior history, I DO NOT feel comfortable and need this handled as this was not right!!! Not only have we had a current Power & Electric Bill with the Creditors XXXX the past 2 years because we have to, it 's hpw our lil town has Electricity, but come to find out they NEVER reported is paying it off the past 2 years! When we messed up we had to pay them EXTRA money to get power back in our name, so what happenedS when the Original Creditor Messes up OR the Collection Agency??? We just want answers please aND Thank You! Sincerly, XXXX and XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. 

I have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I tried to get my free credit report online. I was unable to do so. I fear someone is using my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act. 

Company response: Company chooses not to provide a public response