AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In it 's answer to complaint XXXX, SPS denies my demand to rescind my loan. 
They base the denial on the fact that my my loan originated in XX/XX/XXXX ... ... my ORIGINAL loan did originate in XX/XX/XXXX, but it was REFINANCED ( NOT MODIFIED ) XX/XX/XXXX. 
I say it was refinanced because the loan was INCREASED by over {$50000.00} because they added the balance of funds they ( actually XXXX XXXX, the servicer at the time ) used to pay off my then XXXX mortgage with XXXX XXXX without my knowledge or permission. They did n't just modify my original loan, they did a cashout ( the funds from XXXX mtg payoff ). The only way it would be a modification is if they did n't add the extra funds to MY account. 
Since I never received ANY TIL materials, or even an accounting for the extra money, I am exercising my 3 rear right of rescission, which I originally notified the XX/XX/XXXX. 
If the refinance that they call a modification was really just a modification, they would be right, but the refinance occurred on XXXX/XXXX/XXXX, and I am well within the 3 year window to rescind. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a claim on XXXX XXXX, 2015 about Santander Bank. I just returned to the U.S. from XXXX and received the letter they sent in response. In the letter it says they identified that I requested an " All Debit Opt-Out '' in XXXX 2015. However, the letter states that the request was not submitted for processing until XX/XX/XXXX. First of all, I requested a complete opt-out of any form of over drafting when I first opened the bank account, a few years before. After getting hit with a {$35.00} fee I went in to complain and was told it had been fixed. This happened a few more times, before the clerks I spoke with at Santander finally managed to set the Standard Overdraft Opt-Out. Secondly, the letter acknowledges that I requested the All Debit Opt-Out in XX/XX/XXXX, yet for some reason they did n't process that request until XX/XX/XXXX, but still held me responsible for the overdrafts that occurred during that period. Moreover, the letter states that an item may not decline if there were sufficient funds at the time the payment was requested, even if there no longer is by the time the payment is processed. This does not apply, as there were charges initiated on XXXX XXXX, XXXX, and XXXX XXXX that either pushed me into a negative balance or cleared after I was already over drafted by XXXX dollars or so. I was informed by a Santander representative that I should learn to manage my money better. On XXXX XXXX, 2015, over two months after Santander acknowledges that I requested an All Debit Opt-Out ( which, as aforementioned, I requested multiple times prior to that ), and two weeks after Santander acknowledges that they finally got around to submitting it for processing ( only after I sent multiple emails inquiring about what was happening ), I was told by a Santander representative via email that, " Your recollection of clearly stating no overdrafts may be becoming more clear in retrospect. '' I have included the claim I submitted before, as Santander 's response restated their policies without addressing my specific complaints. The closest they came was when they said : " In reviewing this matter we identified that you requested an All Debit Opt-Out for the account with our Oak Bluffs Branch in XXXX 2015. However, the request was not submitted for processing and only the Standard Overdraft Opt-Out election was on the account at the time the transactions were initiated. '' In addition to what I included in my previous claim, I would also like to know why the bank holds me responsible for something it took 2+ months to submit for processing. 


Case number : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX XXXX XXXX charged of a debt of {$420000.00}. On XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from Kohn Law now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from Kohn thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from Kohn in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro Kohn states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter XXXX XXXX responds to you, dated XX/XX/XXXX that Kohn Law stops charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX Kohn tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I went to American bank to made a deposit of {$500.00} for my mama and the ask me for ID I believe need show ID if is over {$10000.00} I would like know if I 'm wrong and why I need show ID for that amount Thank 

Company response: Company chooses not to provide a public response
Consumer complaint: I was hospitalized XX/XX/XXXX. There was a bill for XXXX XXXX XXXX in the amount of {$36.00}. That was paid on XX/XX/XXXX and posted to my account on XX/XX/XXXX. I first learned of this deby when applying for a home loan. I have contacted XXXX XXXX numerous times to let them know that this was not accurate and to please verifiy the balance with the client. Fox Collection refused and failed to follow up and thus knowingly continued to report negative items to the credit bureaus. They said that I had to submit proof of payment I finally had to reach out to XXXX XXXX XXXX and have them reach out to settle the matter. Unfortunately this does not erase the 8 months of a negative collection on my credit reports that was an error to begin with. Fox Collection Company displayed blatant disregard in handling my account. I have spoken to numerous account reps and even left voicemails to the Collections Manager that went unreturned. Unfortunately Fox Collections was wrong when they stated that is was my responsibility to prove the debt was not accurate. In fact I have recently learned that its their responsibility to verify the validity of the debt. At no point have I ever recieved a letter regarding this debt. I would assume that they have the wrong address however despite numerous conversations no one asked me to verify my mailing address. Due to Fox Collections reporting this negative and false collection to credit bureaus this has caused me many issues as a collection looks really bad and lowers my scores and this has even affected my homeowners insurance and car insurance rates as they do look at credit factors. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX, Citibank, N.A., engaged in unfair and deceptive acts in administering and closing a credit card account that I had used responsibly for over 25 years ( since XXXX XXXX, and which Citibank, N.A., had previously indicated in writing would be open without an annual fee for life, my life or Citibank 's. That representation turned out to be false. 

Moreover, only four months earlier, Citibank, N.A., issued me a new Visa platinum card purportedly the period of XXXX XXXX through XXXX XXXX. That representation turned out to be false. 

The " notice of account closure '' dated XXXX XXXX, XXXX, indicated in bold letters " We 're sorry we were n't the right fit ''. 
This followed other written representations from Citibank, N.A., regarding my account : " Thank you for being a loyal card member since XXXX! We appreciate your business and are continually looking for ways to make your relationship with us as rewarding as possible. '' and " Thank you for being a valuable AT & T Universal platinum Card member. '' and " No annual fee for life. '' I filed a written complaint with Citibank, N.A., CEO XXXX XXXX on XXXX XXXX, XXXX, including essentially what is in this complaint to CFPB. I received no written reply from any Citibank entity, and only a telephone call from someone who told me that my letter to XXXX XXXX was forwarded to him, and I could apply for a new account. It is unprofessional and inappropriate for Citibank, N.A., not to have responded in writing, and not in any way to have addressed my claim of unfair and deceptive acts in administering and closing my account. 

The purported reason for closing the account was inactivity. However, I pointed out to XXXX XXXX something that should be abundantly clear to a card executive : that the nature of revolving credit involves periods of inactivity and zero balance. Citibank , N.A . 's written communications with me have been dishonest, and Citibank, N.A., has been dishonest and unfair in closing my account of 25 years, a period of time during which I rejected many other card companies ' offers of credit because I had this particular Citibank, N.A., account. 

Whereas Citibank, N.A., stated that I was a valued customer for life, it turns out that I was really unwanted, expendable, and not even worth a written response. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank breaches information. 
Since XXXX of 2016, when I preview my statement online, I see other customers information and not mine. I have been following up with Citibank but I am getting no where. 
My big concern is : does any Citibank customers see my information like I do theirs??? 

Company response: Company chooses not to provide a public response
Consumer complaint: Today, XXXX XXXX, 2016, I went online to order my quarterly credit report from XXXX and chose Experion since I had n't gotten XXXX from them in over a year. After verifying my identity on both XXXX and Experion 's site, I got the following error message : We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced recovery Has put a debt back on my credit report after Settling XX/XX/XXXX. For a debt that was NOT mine. I have attached the settlement letter for {$1500.00} They are also calling me on my cell after stating to them I have settled and I am on the DO NOT CALL list. The lady on the other line stated that NO such list exist. 

Also not only are they trying to collect a debt that has been settled it is also NOT reflecting that it is dispute on credit report This is reporting on XXXX & XXXX. Would like this item removed IMMED. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I reported my credit card as stolen as soon as I was certain I did n't have it anywhere. When I called the credit card company we discovered there had been fraudulent charges. The representative informed me that they put a hold on my card due to suspicious activity. I was told I would be credited for the charges and an investigation would take place. A week later I received a letter explaining my claim was denied as they believe the card was in my possession. This is not true. These are fraudulent charges. I did not sign or put in my pin number for these purchases which I believe should act as evidence. If my credit card company investigated my usual activity it should be clear these purchases are not typical in my credit card usage. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a follow up to our complaint # XXXX. We contacted Wells Fargo and have now reached a dead end. Wells Fargo has given us an ultimatum of either we sign false documents or lose our home. Recently we spoke to a representative from Wells Fargo who was belligerent and heaped lies after lies. We requested not having to deal with her again. Our request was granted but today speaking to someone by the last name of XXXX he reversed what we requested. If we do not sign the documents that contain false information the Bank will return the funds the Federal Government helped us with through XXXX and then will foreclose on us. This is nothing short of blackmail. Either we sign false documents or lose our home. There was a representative we had spoken to who was belligerent and heaping more lies upon lies. On the person we requested not to have to deal with whose name is XXXX. XXXX XXXX has assured us that he will report to all the agencies we have complained to, that we have refused to communicate with Wells Fargo. I am reporting that this is a lie, it is only XXXX person at Wells Fargo we do not want to deal with. Beware of this lie that Wells Fargo is planning to tell you. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX was paid in a refinance of home in XX/XX/XXXX through debt collectors Bllatt, Hasenmiller, Leibsker & Moore LLC. However now my mother is trying to sell the house and 10 years later XXXX XXXX is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and Blatt, Hasenmiller was paid multiple times ( see all attached documents ). On XX/XX/XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XX/XX/XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut XXXX paste of a XXXX MI and yet they claim it was mailed XX/XX/XXXX from Blatt Hasenmiller. XXXX XXXX XXXX rep XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to XXXX XXXX but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XX/XX/XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX XXXX Bank did an illegal loan modification signed by a Vice President in XX/XX/XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. XXXX XXXX is trying to EXTORT money that was already paid over 10 years ago. Now because of XXXX XXXX my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now XXXX XXXX can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over 10 years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is yet another complaint in a series of many I have filed against Select Portfolio Services : I exercised my right of rescission on a cash out refinance that SPS tried to call a simple modification ... my basis was I was never given any RESPA documents ( HUD 1, TIL, right of rescission, etc ) so therefore my right to rescind was 3 years. In Case # XXXX SPS acknowledged that XXXX XXXX ( the original lender ) paid off my XXXX mortgage with XXXX XXXX. The fact the the XXXX mortgage was paid off made the " modification '' an actual cash out refinance loan ; they ( SPS ) admitted paying off the XXXX mtg yet they claim it does n't count as a cash out refinance?!? It was obviously a cash out refinance, despite the fact that they do n't want it to be a cash out refinance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We applied for a mortgage with USAA. They repeatedly lost documents we sent to them. They sent us confusing and conflicting requests. For example instead of saying 'can we have a lease agreement for your rent ', they asked us for bank statements, then those bank statements were n't good enough, then they asked for a letter from the landlord, not good enough and so on. This happened with pretty much every bit of requested information. Their 'notice of incomplete application ' was inaccurate as it included many of the things we already sent. We would try and call 20+times a day and got no answer. They could n't read XXXX orders ( despite being a bank for service people ), they could n't read the condo pack that contained the flood insurance and instead claimed we failed to purchase it. As the Power of Attorney for my fiance as he is at sea and has sporadic internet connectivity I was not contacted ( despite chasing the application up for weeks ) until 5 days before the notice of action was due to expire. I asked for management to contact me, they refused. I reported it to Social Media, who apparently escalated the complaint but it was ignored. Finally I got in touch with a wonderful man who processed my complaint and also went through my application and realised that we had everything that was being asked for ( most of it was forwraded again as they had previously been sent but misplaces, misfiled or misread by the processors ). It was the last day to get everything signed off before the application would be closed. The manager of the processing team assured this agent that she would call me. She then messaged him to say she would in the morning and would deal with the outstanding documents. Instead of doing this she proceeded to close the application. We are already a week over out closing date and now are likely to be up to 45 days over again as we reapply, possibly again with garbled explanations of what is required, poor communication, lost documents and issues with us being overseas ( something that would n't have been a problem had they processed things properly. We have been thoroughly mistreated and as a result not only face stress and financial hardship but will potentially lose our earnest money and even our home, thanks to their handling of this matter. 

Company response: Company believes complaint is the result of an isolated error