AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for the US Bank Hardship Program and was told by Customer Service not to make payment until my new interest rate and minimum payment were finalized. Once the new terms were set up in XXXX 2015, I was told to make payment XXXX 2015. US Bank is now reporting me to the credit bureau 's as 30 days late. I have spoke to multiple customer service agents who tell me " By law US Bank can not remove negative information such as late payments '', which I know is false. I have filed disputes with the credit bureau 's as well as CFPB. US Bank responded with a letter stating additional false information. They stated that I told them I prioritize my payments and would not be able to make payment until the following month. That information is incorrect as all of my accounts and payments are a priority and I have never made a late payment on any of my accounts. That clearly can be seen on all three credit bureau reports. US Bank also stated that the representative that I spoke to who set up the new terms did not tell me to wait and not make payment. That information is also false. The representative who finalized the new terms was not the same person who told me to not make payment. In a previous conversation with a different customer service agent, I was told to not make payment until my new terms were set up. 

I have been a loyal customer with US Bank for over 10 years and do n't understand why I am the one being punished for being provided with wrong information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contact BMO Harris Bank back XXXX 2015 for a short sale. At the time, I was working with XXXX XXXX and XXXX XXXX. they were both great to work with and very good at getting back to me, and vice versa I provided whatever they needed in a very quick turnaround. Well after getting approval, the buyers financing fell apart, so the deal was dead. About a month later we received another buyer netting same thing to the investor but I was transferred to working with those XXXX ladies to working with XXXX XXXX, and immediately following to XXXX XXXX now. She is horrible at responding to emails, and does not return phone calls and we are going on and on now waiting for approval again of something the investor already approved a month before. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to a medical issue this year, I had a struggle to keep up with my mortgage payment with Ditech. I called on XXXX/XXXX/2015 to bring it current. In order to get the payment made over the phone or online, a {$12.00} convenience fee is charged. My other option of payment, to avoid the fee, would have been my bill pay. That option would not have gotten the payment posted in a timely manner. I asked for their fee to be waived, but was denied. I explained to the person I was speaking with, XXXX XXXX XXXX XXXX ext, XXXX ), that the fee was high, considering I was trying to catch up on time. I asked how much time I had if I chose to use the bill pay option. I was told I did n't seem to understand my critical situation and I was taking a " XXXX '' attitude towards my responsibility. I had more questions, but did not feel comfortable at that point talking to this individual. Sometimes persons with the best intentions fall on difficult times. I wanted to seek assistance, but now do not know where to turn. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company made a misleading offer about opening a credit card account as registered in complaint ID # XXXX provided the following dispute/resolution : Citi ( R ) / XXXX ( R ) Account ending in XXXX XXXX XXXX : Thank you for speaking with me about your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the promotional offer related to the above-referenced account. 

I regret any misunderstanding that occurred related to the promotional offer associated with your account. The offer is to earn XXXX bonus XXXX ( XXXX ) miles after spending {$3000.00} in purchases within the first three months. You may then redeem the miles for XXXX round-trip tickets with XXXX XXXX. 

I appreciate the opportunity to respond to your concerns. 

Sincerely, XXXX XXXX Response XXXX REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE*Our telecommunication number for our hearing impaired customers is XXXX. 

XXXX, XXXX and XXXX XXXX are marks of XXXX XXXX, XXXX. 

XXXX XXXX reserves the right to change the XXXX ( R ) program and its terms and conditions at any time without notice, and to end the XXXX ( R ) program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, XXXX miles earned through this promotion/offer do not count towards elite-status qualification of XXXX status. XXXX XXXX is not responsible for products or services offered by other participating companies. For complete details about the XXXX ( R ) program, visit XXXX. 

-- -- -- -Despite this explanation I did spend over {$3000.00} in purchases on the card and still have not received the XXXX bonus miles. It is especially clear now that this company has committed consumer fraud 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently inquired about me having to pay mortgage insurance that I thoughtwould end after five years by calling BOA. Customer service said they would sendme some paperwork and I need to read that. 
I received a INFORMED CONSUMER CHOICE DISCLOSURE NOTICE dated XX/XX/2010 ( one month before my actual closing on the house ). 
That Notice has my name as a signature but that is NOT MYSIGNATURE. So I called BOA and talked to Customer Service and theFraud Dept explaining them that this is not my signature and they said they had to investigate this and it is " serious ''. 
Somebody forged my signature and I never seen this Document before thereforemy argument is that I feel that I should not have to pay this Mortgage Insurance Premium. 
They said they will send me a Signature Affidavid but so far I only received a letter from BOA saying I need to pay {$32000.00} to eliminate the MIP! 
BOA so far is not cooperating with my request and even makes furtherdemands! 
Please contact me at my earliest convenience, I have a reference # andname who I talked to but can not disclose it here ... 
Please leave a message on my Cell Ph # I have provided if I do n't answer and I will return your call. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had purchased a sears credit protection plan effective date XX/XX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a loan out through sallie Mae in 2011 and have yet to pay off a {$2500.00} loan. They keep hiking interest rates and late fees and I 'm very sick of it. I ca n't afford it. Then they call my number all the time when I 'm maybe two days late and wo n't stop until they 're payment is processed and that 's not short timing by no means. It 's harassment. I encourage people to not go to college. It 's a scam. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX hired Financial Asset Management Systems ( FAMS ) to collect on private student loans. Financial Asset Management Systems ( FAMS ) is not reporting all the payments that I have been making since XX/XX/XXXX/XX/XX/2015. I made payments in XX/XX/2015/XX/XX/2015 to FAMS which are not being reported to the balance. FAMS has illegally not reported all the payments that I have made on my account. I took a screenshot of the payments that are being reported via FAMS online payment system but they do n't reflect payments from XX/XX/XXXX/XX/XX/2015. The payment system is not reporting payments made in XXXX/XX/XX/2015 which is illegal and is a deceptive business practice and illegal debt collection practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a collections notice, with no info other than a doctor I 've never heard of named. No date of service, no anything. I spoke to XXXX who was extremely rude and said she ca n't give me any info, that I need to pay {$42.00}. I have paid ALL of my medical bills, and on time. She refused to give me any info on WHAT this bill is for unless they send me 'promise to pay ' letter which means Im then 'on the hook ' to pay this and agreeing to pay it by asking for info in writing?! Very concerning! 

Company response: Company chooses not to provide a public response
Consumer complaint: Interest rates seemHigher than normal rates even with credit worthy co signer 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan modification loan for the past 2 or 3 years and i was told that it has taken care of the second on the loan also. i have not seen any negative statements on my credit file concerning this matter. Now i have been sent a letter o notice of default and intent to accelerate against me on my home. it says total payments due for 87 months XX/XX/2008. the principle is XXXX and interest is XXXXlate charges XXXX. I have no idea about any of this claim. all i know is that i had a loan modification and only XXXX bill to pay because it was taken care of by the loan modification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: An unauthorized charge appeared on my credit card statement from XXXX XXXX in the amount of {$29.00} ( on XXXX/XXXX/2015 ) and I am having trouble getting credit card company Juniper/Barclaycard to remove the charge from my statement. I never authorized the charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a bogus address listing on my credit reports - I have never lived outside XXXX. There is an XXXX address listed, per my XXXX provider -when they pulled up my name.??? Help! 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX we started looking for a new house. We found a model and an area that we wanted. 
We put money down, did paperwork, and everything else that 's required to get a home loan. 
The rest of the nightmare is listed in the attached Buying house.txt file along with XXXX other PDF files. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: GreenTree-DiTech MortgageI understand if someone needs to leave paperwork at your residence in reference to your mortgage. However, Strangers looking through your windows and taking photos is the worse violation that can be committed. I have notified many because of safety concerns. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone opened up a XXXX and XXXX account using my bank account. I was not aware of this. When I started my bank account I specified that I did n't want overdraft! I said if I do not have the money then do not pay it and do not charge me a fee. I was told OK. Anyways someone used my bank account on a XXXX and XXXX account I did n't know about. XXXX charged my account XXXX for {$1.00}. I was then charged a overdraft fee twice from the bank. Because of this THEN I found out about it and try and talk to BB & T and I kept getting the run around! Then they tell me there is nothing they can do and they closed my account AND charged me {$30.00} for THEM closing it and now sending me threating letters say I owe {$110.00} or they will send my account I to XXXX so no one else will give me a bank account. I really feel frustrated and bullied here by them! 

Company response: Company chooses not to provide a public response
Consumer complaint: When this collection agency first contacted me ( XX/XX/XXXX ) about an alleged {$180.00} debt from XXXX, I immediately sent a debt validation request ( XX/XX/XXXX ), requesting bills, contract, etc. They did NOT send me any of the requested information, but they did stop calling and writing me for exactly 1-year. Now, *EXACTLY* ONE-YEAR later to the day ( XX/XX/XXXX ), they mailed me another letter, and are calling me again ( XXXX times a day ). This is without providing any of the validation requested in XX/XX/XXXX. What is more disturbing is that they changed their name from XXXX XXXX to Diversified Adjustment Service and changed my account number, presumably to wrongly renew collection efforts, which they would not typically be able to do, having not responded to my validation request. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I recently received a military star card about a month ago and began using it almost immediately. I called to extend my credit limit and begin making payments in a timely manner days later. I logged in one day to check my account and saw my retail limit was increased as requested for {$500.00}. My retail credit limit started at {$600.00} total, then was increased to {$1000.00}. After that I tried to make a purchase days later and it showed as declined. I checked my balance again online and my credit limit was suddenly in the negative {$75.00} in spite of no new purchases being made. A day or so later my credit limit was increased by about {$50.00} which I very quickly spent on dog food before it disappeared! I called today to make a complaint about it and they told me I was n't eligible as of 10 days ago. I received a bill but NO notice and the customer service worker & supervisor I spoke with were absolutely deplorable refusing to say anything other than I 'm no longer eligible for an account. Although my account is not shown as closed online. My first bill is n't even due yet for almost a month! And the payment is only {$19.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have previously obtained my credit report through XXXX within the last year ( XXXX ), I have successfully disputed items on my report via Experian online ( experian.com ), yet I do not have access to my report online ( XXXX ). In other words I can not access my credit file online via the Experian website. I continue to be denied through this message " We are unable to honor your request for online access. " through experian.com. I have called Experian about this issue and the only assistance that the company can provide is to send me my credit report via mail. The gentleman that attended to my concerns only informed me that there was nothing that they could do about the matter being that they, the call center, had nothing to do with the website. Meaning they could not resolve any access issues, or any issues in general regarding the website. As of yet there is no link on the experian website in order to complain about this issue or any issue related about the website for that matter. I am looking to have convenient access to my credit file online, for review and disputes. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone got a credit card in my name 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Southwest Recovery Services was paid for an outstanding rental debt that had been paid upon the agreement between myself & the collector that the debt be permanently removed from all XXXX credit bureaus XXXX. They have failed to take any action, which has resulted in difficulty for me to secure housing. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Wells Fargo Dealer ServicesXXXX XXXX XXXX, CA XXXXAccount number : XXXXI rescinded the car loan according to TILA Regulation Z. 
I have not received my payments back. 
I have received the title although this is because the final payment was paid early with rescission notice following days later. 
20 days had passed with no notice of any objection to the courts about my rescinding the loan hence the bank has waived their opportunity to dispute their responsibilities under Regulation Z. 

They must return to me All payments and fees. 
I would prefer that they would send the value in XXXX to the following address:XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX keeps trying to collect on a debt for XXXX XXXX and has reported it on my Transunion credit report repeatedly. I am XXXX and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities in XX/XX/XXXX, XXXX XXXX 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX XXXX reopened the same collection on all XXXX of my credit reports under a XX/XX/XXXX date. I disputed them again and all but TransUnion has removed them from my report. I am XXXX and have been covered by XXXX since XX/XX/XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted by XXXX separate companies in the past 6 months claiming that I owe a debt. Even though I did n't belive I owed the debt, I paid almost {$900.00} to the first debt collector because I was threatened. Then less than 2 months later, I got a call from a XXXX company trying to collect on the same debt. They informed me that the XXXX company didnt " own the debt ''. I did some research and determined that XXXX companies were fraudulent. Upon learning this, my bank refunded the payment that I made. Now, my family members are receiving calls from a XXXX company looking for me for the same " debt '' ( this company has never called me personally ). I have documents from all of the companies. All of which appear to be official but after researching business names, addresses and phone numbers, nothing matches. Also, I requested proof of debt to be mailed to me, but they claim that they do n't have to ability to mail me anything ... .they can only email. I want all of these calls to stop and I would like to see if there is any course of action that I have for the harrassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I begin receiving text messages on XXXX/XXXX/15 from a Company call NetSpend. The first message said reply yes to enroll, thought I was deleting but hit reply button, but did not send I closed the message. Then I immediately begin receiving messages from them saying my card ending in XXXX is activated. The next XXXX message starting saying how much was available after a purchase at XXXX I received XXXX messages like this. I looked up NetSpend 's phone number on the internet, the person I spoke to said it was a prepaid card. She said these cards can be purchased at XXXX XXXX, XXXX, etc. I advised her I did not purchase their card and that this is Fraud. She advised that I text the number XXXX and send a message with the word STOP, which I did. I believe this company is committing fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been a member of US Bank for the past five years and I have a strong relationship with the branch located @ XXXX grocery store # XXXX, the employees arealways so friendly and caring about me. However every time I call their phone bank department @ XXXX I feel discriminated against for being transgender. My voice sounds like a female but my name is typically used for boys ; therefore they always deny service and ask me to go the branch and present photo ID. I understand that it 's for security however when I go to the branch and present photo ID i expect them to notate their system of record and take a photo copy my ID so that going forward I can be serviced in their phone bank department like any other customer. Instead there always incredibly rude and ask me to go to the branch and show photo ID. It 's ridiculous I should be able to use all the banking tools available to every US Bank customer. Due to my job schedule, sometime I find it very hard to go to the branch and I want to use the phone bank dept. but I feel discriminated against every time I call. I have told them several times my situation and they continue to be discriminatory against me. Also there is no communication between departments. Sometimes I get lucky enough and I 'm able to speak to a rep. with no issues but as soon as they transfer me, it starts all over.. I have to answer several verification questions and then at the end they tell me to go to the branch.. I just feel so hurt sometimes, because they were my first bank ever and I just feel very discriminated against and not wanted ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is not a servicer on any loan related to us or our property and refuses to provide any information on why they are authorized to use our personal identifying information, credit information and financial information. We have no agreement with Wells Fargo. Wells Fargo has no agreement with any other party regarding any obligation or our real property. 
See our full complaint in the attached PDF. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX ) was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so. 

Company response: Company chooses not to provide a public response