AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all three when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired. 

Company response: Company chooses not to provide a public response
Consumer complaint: we have a XXXX mortgage for purchase with reverse mortgage solutions and they are threating foreclosure on a lapse in flood insurance of three months in 2014 due to fema of a total amount of XXXX dollars our flood insurance is XXXX dollars per year I am on a fixed income and can not pay the amount they are demanding 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been working with Select Portfolio Servicing on a loan modification for the past several months. When I was finally offered a modification, it was for a HAMP Tier 2 mod. However, all of the paperwork I was sent shows all of the loan modification that I did NOT qualify for and their terms and conditions. It did not show the terms and conditions of my current loan modification. I was told that I needed to make 3 trial payments and that I would then receive the terms and conditions. However, the trial payments I have been making is the same amount I was paying prior to the loan modification. I called and questioned if this were truly a modification, then why would I be paying the same amount as before? They could not answer my questions and put me on hold several times and just told me I had to wait for my paperwork to arrive. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Can my reverse mortgage lender refuse to continue/renew my current property tax loan? 

Hi, My lender, Wells Fargo, is telling me that they can not continue/renew my current loan that they had advanced for property taxes that were due. They have informed me that, unless I repay the full balance, they will begin foreclosure proceedings on my home now. I am told that HUD XX/XX/2015 issued new rules to lenders affecting reverse mortgage loans. Specifically, in my case, I now no longer meet the " XXXX '' requirement ; I am told that I am at XXXX %. 

I am XXXX years old and do n't want to lose my home. My husband XXXX last year, he was XXXX and had XXXX XXXX. We have never been late on any payments to Wells Fargo, and I can comfortably meet all my expenses, including the payment that I make to Wells Fargo for back property taxes each month. 

This change of rules came as a total surprise. I hate to say this, but I feel that I have been misled, unwittingly perhaps. To their credit, Wells Fargo has assigned a financial counselor to my case, XXXX XXXX, which I appreciate. I am told by XXXX XXXX, this HUD rule change is not only a problem for me but also pertains to many other seniors in our country who have property tax and/or home insurance advances from their lenders. I suspect that many of these seniors are not able to speak up for themselves and will, indeed, loose their homes. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My XXXX XXXX husband my a XXXX Quick Pay transfer from his XXXX account to my XXXX account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my XXXX account. When I inquired to XXXX, they said it was accepted into a Wells Fargo account ending in XXXX, via clearxchange. I checked my personal Wells Fargo account, it did not end in XXXX and the money was not there. I called clearxchange, they said they only act as a clearing house for money transfers and that it 's a XXXX issue. XXXX says it 's a Wells Fargo issue and Wells Fargo does not find the money anywhere and says it 's a XXXX issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}? 

Company response: Company chooses not to provide a public response
Consumer complaint: was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited a check XXXX XXXX, 2016 at an ATM at Citibank in XXXX CA. The check was my husband 's payroll check and less than {$5000.00}. The bank placed a hold on the check. My checking account was not overdrafted. I have overdraft protection. I have been banking with Citibank over 20 years. On Monday night when I called I asked what had happened and Citibank could not tell me nor would the funds be released. To my knowledge the funds have not been released. When I called on Monday night Citibank told me the check that I deposited had not been sent to them from the branch. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My American Express credit card number was stolen and used fraudulently for purchases at XXXX different locations of XXXX XXXX in XXXX. I was completely unaware that my card was compromised until American Express finally blocked a card. I follow everything that American Express told me to do : filed a police report, completed a fraud form and submitted it to American Express. After three months of so -called ''investigation '' i received a letter from fraud investigation department stating " We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. On the date XXXX XXXX, 2015, when the fraudulent purchases were made at XXXX XXXX XXXX, XXXX, for {$2900.00} and then again at XXXX XXXX, XXXX, for the same amount {$2900.00}, i used my card in XXXX, XXXX to pay for lunch at cafeteria at the hospital where i work. I would assume that this should bring red flag and prompt American Express to take some action, but no, those charges went unimpeded. After successful shopping at XXXX those criminals had a chicken lunch at XXXX, XXXX and paid with my credit card {$29.00}. Also they serviced a car at XXXX, XXXX, for {$75.00}. Next they waited and used my credit card numbers on XXXX XXXX, 2015 to shop again at XXXX XXXX in XXXX, XXXX, for {$2800.00} and at XXXX XXXX in XXXX, XXXX for {$3600.00}. Those charges went unimpeded as well. On XXXX XXXX, 2015 i used my credit card to pay for parking my car at the parking garage in XXXX. American Express Fraud Investigation Department conducted so called investigation and came to conclusion based on ''history and notes '' that this is not a fraud and therefore i have to pay for fraudulent unauthorized charges on my account which they, by the way, closed and opened another account for me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We continue to see low scores from the XXXX credit bureau for many years, and especially Experian. Our payments are always made on time, and the rating we have been given continues to hinder our ability to refi our home which has a very high interest rate. The scores are based on debt ratios or credit card balances. The credit bureau are basing low scores on a few credit cards thus not showing an accurate rating considering an abundance of flawless accounts. We had spent many hours some years ago cleaning up inaccurate information and still the scores continue to remain low. We are not sure if taking legal action would help our situation, but life is too short to have credit bureau dictate our ability to get ahead when scores are based on half the information of an individual. I am sure their scoring methods hurt many families and I find it hard to believe that our justice system would allow this to continue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check for {$1900.00} on XXXX XXXX, 2016. On XXXX XXXX, I was told clearly by XXXX, a teller at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX that the check had " no hold '' and cash was available. I told her that this was related to an online ad, and I had to know for sure that the check had cleared and was definitely legitimate. I asked her a second time, is the money definitely and permanently in my account so I could proceed, and she said yes. However, on XXXX XXXX, the {$1900.00} was taken out of my account. Apparently Bank of America did not follow the right procedure for clearing the check, and then took money away from my account that was definitely mine. Based on an XXXX XXXX conversation with the branch manager, XXXX XXXX, the branch did not violate OCC guidelines regarding clear communications with customers in explaining the difference between funds available and a check being verified. They had followed those guidelines. Instead, Bank of America 's corporate office had erroneous information in the database about the check being cleared. The branch reported that the check was definitely cleared because that was the information they had. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: When using a Bank XXXX Texas XXXX credit card, I have had several fraudulent or unauthorized charges on it and have repeatedly contacted XXXX by phone, written correspondence and fax. I have told them specifically what charges are not mine. They have repeatedly asked for the same information already provided. The last phone contact was with them 2 weeks ago at XXXX XXXX XXXX XXXX option # XXXX when speaking with the " manager '' who said it would get it straightened out. Nothing has happened. I have alerts on my account for when charges are made and credits back to it. I have only gotten alerts for additional unauthorized charges. I stopped using the card since I had pain in full the charges I made. I have not received any credits to the card alerts. Please make them do what they are supposed to. Thank you. 
In addition to some of the e-mails sent back and forth, I have signed and returned by mail and fax, all the documents they sent me to get this done. They keep saying they did n't get them, etc. when I faxed them and have spoken on the phone to them about them. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : The following charges do n't belong to me XXXX {$17.00} XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX {$27.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1.00} XXXX XXXX Please credit these unauthorized charges. 

On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : XXXX XXXX XXXX for {$38.00} - XXXX charges should be credited. 

XXXX XXXX Storage- $ XXXX charged. Already paid XXXX. Sent this info. to you before. 

Thanks. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX at XXXX the following message was sent : This transaction is not an authorized transaction. Please credit this charge. 
Thank you. 

XXXX/XXXX/XXXX AUTH : XXXX *XXXX {$17.00} On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : I thought you said you already stopped this unauthorized charge. It looks like you have n't done anything on the unauthorized charges with the information and completed form I sent you weeks ago. 
Please note I will not be paying any more credit card bills in full and waiting for you to do your job of removing the unauthorized charges. And, I have stopped using this card and wo n't resume unless and until you have corrected the balance. 
If I need to contact Bank XXXX Texas to get you to do your job, I will. 
As I have repeatedly told you, if you need more information call me. 
XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX CA {$17.00} 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After reviewing my credit report, problems with my Macy 's card has significantly affected my credit. I have only purchased something on this card twice. The first time I paid in full. The second time, I was not receiving the bill after changing addresses and was three months late. I called Macy 's and told them I never received a bill or late payment notices. They agreed to take off a significant amount of the late fees. I paid in full exactly what Macy 's customer service told me to pay. I have not used the card since as of XXXX. It was paid in full with a balance of XXXX so I did not continue to look at the statements. However, for the next 6 months they charged me {$2.00} every month as minimum interest charges. Again, I received no bill or late payment notices. Finally, after having a {$12.00} balance on my account, I receive a statement in the mail saying my credit limit was lowered to XXXX dollars and I have been delinquent in payments. I called Macy 's and explain what happened and they told me they will credit me XXXX dollars since I should n't have been receiving minimum interest fees. I ask them to close the account and they say it 's closed. I would like to fix the negative account on my credit report. I have never paid interest or late payments on any other credit card. XXXX Macy 's credit card should not affect my score this much. I paid exactly what they told me to pay but they kept charging me minimum interest fees on a XXXX balance account without my knowledge. According to FICO, my credit score has dropped from XXXX when I bought a car in XXXX to XXXX as of XXXX. It was XXXX in XXXX and it has dropped XXXX points in just one month and the Macy 's card is the only negative account on my report. Please let me know what I need to do to fix this inaccurate negative reporting. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been trying for years now to save my home, everything including mediation, failed to provide any hope. The bank or banks agent, and mangers that I could supposedly negotiate with constantly changing, causing my efforts to get pushed to the bottom of the list. I have gone as far as to hire an advocate for {$5000.00} to help in the process. My loan has been mis-handled by my lenders, my lender continues to not discuss financial options that are available through both internal and government programs. My original loan documentation was signed by a rubber stamp not a bank VP. I believe this loan to be predatory in nature, however I just want to work out a reasonable payment with a reasonable rate. I am even willing to forego future claims against the lender in order to receive a fair deal. Its unfortunate that people have to go to these lengths just to get someone to listen. I hope they will listen. 

My home is set to be auctioned off on XXXX XXXX 2016, I hope that this will prompt the lender to finally work a deal with me. I 'm gainfully employed and my income ratios are within the guidelines to make a fair deal happen. My documents have been submitted, and the clock is still counting down. The crazy part of all of this is this could be fixed with a 5 minute phone call with someone who is empowered by my lender to make these decisions. The lender did n't even show up to my mediation, and could n't be reached by phone. Lastly, because I could go on for hours, These Banks got bailed out ... I 'm just looking to be treated fairly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with XXXX, XXXX, TransUnion and the Federal Trade Commission. On numerous occasions, XXXX, XXXX and TransUnion has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : ( XXXX ) Collection accounts that were not opened by me ( XXXX ) Credit inquires that I did not authorize. 
( XXXX ) Addresses in multiple states that do not belong to me. 
( XXXX ) Social Security card numbers ( XXXX ) Date of births including years ( XXXX ) Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX XXXX my loan was switched from XXXX bank to SPS servicing. They are Debt collectors not a Mortage co. With several calls being made every month It took until XXXX XXXX to finally get the payments applied correctly. They got it rite for while then XX/XX/XXXX it started again payments being misapplied or held in a " unapplied balance " line till the next month. I called this weekend when I saw the mistake and left a message and they did n't get back to me until wed afternoon. Again they are being corrected but each time this happens I lose the time and interest from when it was received by them and then applied days or weeks later. I ca n't figure out how to calculate that and what I 'm losing but what I 'm really worried about is if they ca n't do normal banking without incident are they calculating my Mortage correctly? I make extra payments every month in an effort to pay it off quickly so I can retire but wondering if I 'm being cheated. Whether deliberately or by mistake I 'm still the one on the losing end. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Have been trying to modify for the last three years. Every time I try documents go missing and things are delayed. I 've been turned down a few times but am told that I may apply again for a different program. I 've been told that my principle would be dropped and many other things that were lies. When I was finally approved the conditions were outrageous. I just want a fare modification so I can get back on track. This company has been XXXX me around for years and I am suspicious of their accounting as well as far as my account goes. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My home is a mobile home/doublewide trailer. When I signed a contract to purchase this home, I received a Truth in Lending stating that the home would be financed for 300 month = to 25 years. I received this document and others 45 days before closing. 
At the attorneys office as I was signing the contracts they provided a different Truth in Lending document with different terms = to a 30 year contract. I had no other choice but to sign this contract because I had broke my lease on my current rental property lived in at that time and had to have housing fast. I agreed to all the terms of the contract by signing. I wish that I had walked out of the closing attorneys office that very moment. Today I am having difficulty making the yearly tax payments. They clearly have stated over and over that they could not help me by refinancing. I have always paid the mortgage on time. Due to health issues I am unable to work. I moved out of this home in XXXX and rented the home out to cover the mortgage payment. I can not afford to pay the property taxes for XXXX. The home was auctioned off to the highest bidder. Ditech has paid the taxes and added that amount back to my payments, this makes it impossible for me to pay the amount that they asking this month. I want to keep this home and the tenants that live there. They suggested that I go up on the tenants rent. I can not go up on the rent because comparable mobile home rent in that area is around XXXX to XXXX a month. I would like to sell this property and pay Ditech off. I have tried many times to sell the property, it has run down over the years and needs many upgrades ( which I can not afford ). At this point Ditech is threating me with a RIGHT TO CURE DEFAULT. I have always paid the mortgage payment amount of XXXX and XXXX a month. 
{$500.00} is the stated amount per month. The overage I send covers insurance only. 
They state that they will not accept partial payments ... they will not accept XXXX per month. 
What can I do? I have no savings? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information. 

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