AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The bank ( Wells Fargo ) mistakingly applied a home equity line of credit payment to " principal only '' instead of interest and principal. The next month, when I went to mail a check, the account was in a past due status. On the payment coupon I recieve every month, there is no " principal only '' option, so someone at the bank decided on their own that I must want my account to lapse into past due status. As a result, my HELOC account was placed on restricted status and negative information may have been reported on my credit history. It was completely the bank 's mistake. They offered to retroactively fix it, but I believe my credit history has still been negatively effected. If I did n't say anything, I 'm sure the bank 's mistake would have gone unnoticed and I would have suffered for it on my next loan application. I want to bring it to the CFPB 's attention so other consumers wo n't experience the same poor record keeping and payment processing. 

Company response: Company chooses not to provide a public response
Consumer complaint: A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My complaint is against XXXX XXXX XXXX and Round Point Mortgage. For the following reasons. We were approved and paid our trial period 3 years ago after the trial period was over and we paid on time we were told we have to resubmit our paperwork to be considered again. Since then we have faxed every piece of document they have asked for they either would let it expire or say they never received it. So we keep sending. XXXX XXXX XXXX has taken us to court at 7 times trying to take our home each time we appeared they knew that we in the process of a loan modification and were told a few times that we did not have to be there, but we were because we do n't trust them. The last few times we were pulled into court by them was because they said we did not appear for a court date and we did and pulled the paper work from the court to prove it. XXXX XXXX XXXX has since sold our mortgage to Round Point Mortgage servicing and we are having the same problems with them. They let our paperwork expire, I have the letters to prove it, they say they have not received it. I started emailing with an email receipt and have not received one as of yet. I have also been informed that I have a dedicated account manager, I have not talked to one since XXXX 2015. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I AM RECEIVING CALLS FROM A COMPANY EVERY DAY TELLING ME THEY ARE CALLING IN REGARDS TO MY CREDIT CARD. NOTHING IS WRONG WITH YOUR CARD AT THE PRESENT TIME BUT WE OFFER A COVRAGE THAT WILL EXPIRE TOMORROW IF NOT TAKEN CARE OF TODAY. PRESS ONE TO TALK TO AN AGENT. I PRESS ONE AND ASK TO BE REMOVED FROM THE CALL LIST BUT I AM NEVER REMOVED. IF THE OFFER IS TO EXPIRE THE NEXT DAY, WHY AM I GETING THESE CALLS FROM THE SAME COMPANY DAY AFTER DAY? THE CALLS FOR THE PAST THREE WEEKS HAVE COME FROM XXXX AND FFIDAY THEY CALLED ME THREE TIMES. TODAY THEY CALLED FROM XXXX AND IT SOUNDED LIKE THE SAME MAN I HAVE BEEN TALKING TO ALL THE TIME. I CONSIDER THESE CALLS AS HARASING AND HAVE MADE EVERY ATTEMPT I CAN TO GET THEM STOPPED BUT THEY KEEP CALLING ME. LATEST CALL WAS XXXX XXXX. today. can you please get them stopped? thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My concern is that I notified Experian last year sending a certified letter stating that my personal information was stolen from XXXX and the XXXX of XXXX management. I recently noticed that Experian is listing XXXX Inquiries within the same period of time in XXXX. I sent them a letter explaining to them that I did not authorize all those inquiries and they should removed. I recently on XXXX/XXXX/XXXX pulled my Experian report and found that the XXXX Inquiries are still there and not have been removed. I also noticed that a account XXXX acct # XXXX is still being reported and should 've been deleted like the other XXXX reporting agencies XXXX XXXX and XXXX have deleted. Please assist me in correcting this error by Experian. I tried to dispute this item on line with Experian but they would not allow me to dispute, which is my right. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian C/O XXXX XXXX XXXX, TX XXXX Regarding your report number XXXX. 

Do not misunderstand, this is NOT a dispute. I repeat NOT a dispute. I will repeat it one more time, it is NOT a dispute. 

I am NOT asking for an investigation, repeat, I am NOT asking for an investigation This is just a request for information that was omitted from your report number XXXX. I have a right to this information so please provide the following : Name of the " furnisher '' you talked to. 
Address of the " furnisher ''. 
Phone number of the " furnisher ''. 
The name of the person you talked to who verified the information you are reporting. 

As you are well aware I need this to contact them and query as to the information you have received and what information they supplied to me, provided they are the same person/entity. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

XXXX XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER SEE ALL DOCS LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ PAGEXXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: someone used my name, my daughter 's name and our socials to file income tax. 
Also someone tried to use my social to obtain credit cards I filed police report, due to some of my personal documents were missing from my apartment at prior address in XXXX Also filed Identity theft affidavit 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had an XXXX MasterCard issued by Citibank since XXXX, XXXX. The card credits my XXXX XXXX mileage account with XXXX mile per dollar charged on the XXXX. Other than the charge for the credit card fee of {$95.00}, there was no other activity in the account for the year ended XXXX/XXXX/XXXX. That precipitated the removal of all the accumulated mileage on the XXXX XXXX account ( approximately XXXX miles ). 
The fact that I did renew the card last XXXX with a payment when it was due in XXXX should have been considered a valid charge to the account. On questioning the bank 's credit card department they told me it was not. I do not agree. It was activity in the account, period. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a XXXX patient unable to pay loan due to unemployment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX my daughter got married and she contracted with a XXXX company to transport the wedding party to the church and back besides a party bus to transport the guest. The day of the wedding I took upon myself to hand a credit card to the XXXX driver which also demanded that I sign a contract without reading it. I refused but did unfortunately I did sign a blank credit card slip. Not only did the XXXX company get us into an automobile accident on the way to the church but they only provide partial services as to what they were suppose to do. I notified Citi Card the same day and again on XXXX XXXX. I submitted a detail information as to what happened and they did nothing to protect me being an excellent client since XXXX. The XXXX company also forged my signature on the contracts that I refused to sign. I am paying the amount in the dispute to protect my credit but will pursue this matter to every extent of the law. Your investigation into this matter would be greatly appreciated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have XXXX different loans with Navy Federal Credit Union that I got behind on atleast XXXX payments about 6 months ago. I called the credit union and make payment arrangements and they were very helpful over the phone. The representative stated since I ' am a long term consumer that they would off set my finance charges and adjust my credit history to paid asgreed. A couple of months has past since the last conversation with Navy Federal and at this time their agreements were not satisfied per our conversation. My monthly payments are getting outrageous. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX line of credit of {$50000.00} with balloon payment due in XXXX, 2015. Requested modification of the loan to pay back principal plus interest. Completed all paperwork but was then transferred from the then current XXXX XXXX XXXX to SLS Loan Servicing. I completed the necessary paperwork again with SLS and they continued to indicate incomplete processing and duplicate requests for the same documents over and over one document at a time. This continued for the next 8 months. I was finally denied modification, but was encouraged to complete modification paperwork again. I then completed a third set of paperwork At no time during these 8 months was I ever told by any SLS representative that the loan was not eligible for modification. In the meantime, behind the scenes SLS had begun foreclosure proceedings as early as XXXX of 2015. I found that out when I was charged for an inspection of my property. I completed a third set of paperwork, SLS claimed it was incomplete and was denied. They then proceeded with foreclosure. My primary mortgage is with XXXX and has never been late. Also, during the time the line of credit was open, those payments were also never late. SLS has now marked my credit and has made it almost impossible for me to refinance the loan. Had I been told back in XXXX of 2015 that the loan was not eligible for modification, I may have been able to refinance the loan and would have avoided the unnecessary foreclosure proceedings that followed. They basically wasted my time all these months and accrued unnecessary interest. There are so many complaints out there against this servicer for similar improper procedures. In order for the problem to vanish, I had to withdraw the funds from my IRA to pay off the loan with interest and about {$3000.00} in foreclosure fees. I appeared at a foreclosure conference and the mediator in fact agreed these practices were unjust and ordered the attorney to adjust some of the fees. I was never contacted by counsel for the bank about foreclosure until the day I was served papers. The mediator was angered at the practices of SLS and the law firm and indicated that a reversal of interest could ensue. Now I am told that the dismissal of the foreclosure action can take another few months, even though the loan is fully paid. Someone has to stop SLS and protect consumers from these scamming tactics they employ. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile 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 My ID via drivers license is attached 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Type Energy Account Name Account XXXX Other Date XXXX XXXX, XXXX Status Closed No Missed Payments Balance {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$95.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Account closed by consumer Payment History XXXX OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 2015, my mortgage servicing company, Stonegate Mortgage, sent me correspondence stating that they did not have proper insurance on file for me. I called them stated that XXXX was my homeowner 's insurance agent and that I would get them the documentation, and asked where to send it. The representative I spoke with told me that it was not my homeowner 's policy that was needed, but the policy for the homeowner 's association. I obtained that from my homeowner 's association president and provided that electronically to the email address the Stonegate Mortgage representative told me to, which was XXXXXXXXXXXX on XXXX XXXX, 2015. I received a same-day automated response that that address had received what I sent, on XXXX XXXX, but that it was being reviewed. Then I received an additional email with " secure messaging '' which requires you to go to a different website, and log in to view secure messaging. There was nothing there. So I called and the representative said that they were still reviewing my insurance document. So I thought everything was under review and would be taken care of. In XXXX, I received another message that my insurance information was missing. So I sent it in again on XXXX XXXX, 2015. Again, I received a response that they had received the document and it was under review. I then received another " secure messaging '' request, which produced no results. So I sent them a message saying that I can not receive this type of message so they would know that their system is broken. Then, I started seeing a " lender placed '' hazard insurance fee on my mortgage bill and a notice that my payment would increase from the normal {$320.00} to {$490.00}. I have attempted to communicate with Stonegate Mortgage on multiple occasions, but they refuse to update the information. This is an unethical, predatory company which sees my small mortgage as nothing more than an annoyance that they can not make much money on. So they are attempting to raise my mortgage by exercising a " lender placed hazard insurance policy '' which is not necessary. I 'm so exhausted from arguing with this horrible company. Please help! 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My mortgage loan was purchased by LoanCare XXXX two months ago. Since I have received poor customer service from this company, and now my monthly mortgage rate just went up by $ XXXX/month. I called and the customer service representative could not even start to explain or understand why my monthly payment went up by {$55.00}. I was much happier with XXXX Bank before they sold my loan. Everything I have read online about LoanCare says they are not a good company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for loan with Circleback Lending - after they solicited me for my good credit record. Submitted all documentation that was asked for. They asked for a promissory note from XXXX XXXX loan that I received in XX/XX/XXXX. I talked to them on the phone and received multiple form letters asking for the promissory note. Each time I explained there were XXXX separate promissory notes for this loan since the funding is provided by individuals. I provided copies of some of these promissory notes and was told it had to be XXXX promissory note. It does not exist. I was not able to get someone to look at this and treat it the way it should be treated. They denied the loan saying I could n't provide documentation. But I did provide the documentation that exists for the XXXX XXXX loan. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have tried unsuccessfully tried to challenge with Transunion recent inquiries which are not mine and did not approve and payment history showing late with XXXX, nothing updated on my account since XXXX disputes still processing ... 

Company response: Company chooses not to provide a public response
Consumer complaint: They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is Hunter Warfield , Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the XXXX to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. I request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: switched from XXXX to XXXX over one year ago, suddenly without legal notice recieved a collection hit on my credit reports from all XXXX major bureaus. When I attempted to find out why, I was given a false answer that i did n't turn in equiptment. I told them that I had the reciept for this and it was working just fine, the service rep for XXXX oh yes, I was correct and that they could n't find out what the money they wanted was from and they would have this removed from my credit reports at once. after 4or5 months it is back in collections with no further explanation. I have called XXXX after 3 months to make sure all bills were paid and they were completely satisfied at that time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Regarding our Wells Fargo Home Mortgage # XXXX which was paid off on XXXX XXXX, 2015 & gt ; Residential Address XXXX XXXX XXXX XXXX Oregon XXXX & gt ; Mortgage Bowerers ( us ) XXXX XXXX XXXX and XXXX XXXX XXXX & gt ; Complaint is that Wells Fargo Home Mortgage has not delivered to us any of the required Loan Satisfaction Documents. We have called twice complaining about this. The people we talked to at Wells Fargo about this deficiency have acknowledged the deficiency and promised to expedite the document processing and delivery to us, but this has not happened. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX The following account above is not mine, and it is keeping me from getting a job. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX reported wrong information to XXXX. They reported XXXX wrong addresses, wrong criminal history, and they counted XXXX of our closed/paid off monthly financial details ( {$460.00} ) towards our current monthly payments. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: the IRS and Minnesota revenue released me from tax liens debts and it was my ex husbands business in which I just signed the tax returns at the end of the year. My name was never on his business. 
I would like the credit bureau to completely removed the tax liens from my credit report since the debt was never mine and the IRS and Minnesota Revenue released me from these debts. 

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