AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A check in the amount of {$3700.00} was deposited into our bank around XXXX XXXX but has not shown up on our bank statements. We have been tracking the bank statements in the event there was a delay or problem and as of the XXXX statement still no deposit was shown. We contacted our bank, the 1-800 number and the XXXX local branches. No one has any information about the deposit. The organization that issued us the check says the check did clear their bank XXXX XXXX but say there is no information readily on the check to identify what bank processed the deposit. What do we do? Are there not tracking numbers to identify all banks involved in check deposit transactions? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: My student loans have been discharged by the Dept of Education XXXX. My credit reports are not reflecting even after being disputed. I have also been a victim of unfair medicare billing and no matter how much I dispute it the credit reporting agencies and not listening or investigating. I am asking for all student loans to be deleted and my credit score to be restored after the corrections made. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Mortgage loan with U.S. Bank currently has an escrow account with a XXXX cushion on it. I am aware that " [ T ] he RESPA statute and regulations do not require the lender to maintain a cushion. However, since XX/XX/XXXX the RESPA statute has allowed lenders to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If state law or mortgage documents allow for a lesser amount, the lesser amount prevails. '' From what I have found through research, Oklahoma does not have any State RESPA laws in place in regards to having a mandatory 2 month cushion on escrow accounts. However, when I spoke with U.S. Bank in regards to removing my 2 month cushion, I was told by XXXX different representatives, on XX/XX/XXXX, that they are unable to remove my XXXX cushion due to the fact that I live in the state of Oklahoma. XXXX representative stated that it was due to the state law, and the next representative ( her supervisor ) stated that it was U.S. Bank 's internal policy that for mortgages in which properties reside in the state of Oklahoma require a 2 month ( XXXX ) cushion, and they will not remove this. She stated that it was not for all states, but they will not remove this on my account due to the fact that I live in the state of Oklahoma. I asked multiple times to speak to U.S. Bank 's Escrow Department, so that I could speak directly to someone that specializes with escrow, because I knew that there was not a state law requiring a 2 month cushion to be maintained on my escrow account, and I was told that I could not speak directly to their Escrow Department. I was also offered, that if I was unsatisfied with having to maintain a XXXX cushion, that I could always just cancel my escrow account and pay for my insurance and taxes on my own. I let the lady that I spoke know that she could not offer this to me, that I have a VA loan, and that she should not be offering me to cancel my escrow account, due to the fact that I have a government backed loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt was paid & account closed via XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!! 

attn XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX I suffered a XXXX. it was so severe that I past out. My wife called the City of XXXX XXXX Fire Dept and, still XXXX I was transfered to XXXX XXXX City Hospital. The amulance Services charged my insurance, XXXX primary and XXXX XXXX, secondary the amoun t of {$1400.00}. For unexplained reasons XXXX denied payment. XXXX XXXX paid {$1000.00}. I was never billed for the remaining balance till last XXXX XXXX when I received a letter from Harris & Harris, a collection agency, charging me {$500.00}. On XXXX XXXX I contacted City of XXXX ambulance services. They accepted that they had not billed me at my right address and a lady by the name XXXX assured me that her office " would pull out '' the charges from Harris & Harris and would check the status of my account since my secondary had already paid most of the charges and more than 2 years had already past. However, I am still receiving calls from Harris & Harris, even on Sunday mornings, when they call me at around XXXX Pacific time. They have called me at night, well after XXXX playing a recorded message demanding payment of the debt. On XX/XX/XXXX I called Harris and spoke with a gentleman named XXXX who apologized for the inconvenience and, again, assured m that they will withdraw the charges since his records showed that XXXX XXXX had paid a portion a XXXX, according to him, had made a payment on the account. Still, I keep on receiving the pre-recorded messages. On XXXX XXXX at XXXX I received yet another call despite all the promises of pulling out those charges for which the XXXX Ambulances Services has already been paid for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a mortgage account with Bank Of America in which I open on XX/XX/XXXX. I have made every payment on time since the account was open in XX/XX/XXXX. In XX/XX/XXXX I filed for chapter XXXX bankruptcy with a lawyer in XXXX, PA. I then change my mind and had my lawyer to dismissed the chapter XXXX bankruptcy. The chapter XXXX bankruptcy was never implemented or went into bankruptcy court. The judge signed the chapter XXXX dismissal from the lawyer. Bank Of America should never have closed my account. The bank will not give favorable credit ratings to the XXXX credit reporting agencies. I have ask Bank Of America to correct my account and they said they will not. Bank of America send negative and inaccurate information about my account to the XXXX credit bureau on me and my wife although I 've paid every payment on time since XX/XX/XXXX. My wife and I have a XXXX ( low ) credit score because of Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan through Duvera Financial to finance a gas scooter so that I could get back and forth from work. After having to contact the CFPB over Duvera changing my interest rate and payment amounts agreed on, their were no issues. 

Then this past week, on XXXX/XXXX/15, I logged into the payment portal, and made my monthly payment, as I have every month, XXXX single payment a month. However, on XXXX/XXXX/15 at approx. XXXX, I noticed that the payment I submitted had processed through, but an additional payment was taken out of my bank account for the same amount, on XXXX/XXXX/15. I immediately called Duvera Financial, and was placed on hold for XXXX minutes before being told by a " XXXX '', that I made XXXX payments. 

When I stated that I only made the XXXX payment on XXXX/XXXX/15, she instantly started saying that I did no such thing and placed a XXXX payment. After pointing out that I only make XXXX payment a month several times, she proceeded to state that I had set up an Auto-pay on the account ( which I did no such thing, as every payment made has required me logging in and scheduling the payment up until this point ). She then said that she would put in a request to cancel the payment, and that I should see the payment reversed in 3-4 business days. 

I just contacted my bank ( XXXX XXXX ) to be told that they do not see any pending transfers on the account in question, and that they do not see anything from Duvera. So I contacted Duvera yet again at XXXX on XXXX/XXXX/15. After another XXXX minutes of being on hold, I finally got someone who would not give her name when asked. When asked about the status of the refund for the pending amount, she told me that " You called us on XXXX/XXXX/15, it 's only been XXXX days. It takes time to reverse the payment. We do n't know when it 's going to be credited back ''. I asked for a supervisor, was placed on hold, then a guy answered the phone and said that it will be another XXXX business days for the refund on the payment. 

As of now, I 'm accruing NSF fees through my bank becuase of the XXXX payment that they took out, because my bank processed the payments that were due to be taken out at the same time as the XXXX payment was processed. Now as it sits today, I 'm owing my bank {$140.00} from bills that were processed out and NSF fees that have been accrued by Duvera taking a XXXX payment without my authorization. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Bank of America cancelled my credit card and issued me a new XXXX because they had detected fraudulent activity despite the fact that I verified all the charges as not-fraudulent. I made XXXX returns for purchases purchased on the old card, which were returned to the old card and the credits never appeared on my account which was now linked to the new card but carried the existing balance from the old card. It took over a month of me calling and chatting with Bank of America representatives almost daily to get one of them to even recognize that there were $ 300+ of credits sitting in the old account that needed to be transferred over. After that nightmare, some of the credits, though they are listed as credits, added charges to my balance instead of crediting my balance. I have spent countless hours trying to get a representative to hear my problem. Instead of listening to what I say, they repeat my balance over and over and tell me when my last payment was made. There is still no resolution. It is XXXX XXXX, 2015, and my first contact was made for this issue on XXXX XXXX, 2015. I have contacted more than XXXX times since XXXX XXXX, still with no resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint or area of concern involves my mortgage not my lender. I really don ' know who else to tell my story as I 've been fighting this battle for the past five years. My issues particularly lie with XXXX XXXX XXXX XXXX XXXX Court in XXXX, SC. I filed for a divorce in XXXX my ex husband was court order to maintain mortgage payments. That order was never obeyed. He emptied the XXXX account which was under a restraining order and never paid the mortgage. Nearly 1 1/2 years went by, XXXX attorneys and XXXX contempt of court order and still no relief. I was a stay at home mother for nearly 17 years ; me and my XXXX children were still residing in the home. My husband voluntarily left his employment as a XXXX ( earning {$86000.00} ) applied for unemployment and food stamps. Took me to Court ( XXXX ) for a reduction in spousal & child support. Two weeks later relocated gainfully employed as a XXXX again earning a higher salary ( {$91000.00} ). During that time of nearly 4 months not a dime of spousal, child support or mortgage payments. I did an engine search and found out he was employed in XXXX. I borrowed more money from friends & family hired a XXXX attorney. The XXXX Contempt hearing XXXX XXXX XXXX my husband was found to be in willful contempt on multiple counts, namely the mortgage. A few weeks later to escape responsibility ( repayment of mortgage at that time it was in the arrears of more than {$30000.00} ) and penalty ( 30 days in jail ) he filed Chapter XXXX in XXXX, XXXX During the Final hearing process he converted to a Chapter XXXX claiming our XXXX minor children as part of his household. He also lied as respects to what he was paying in spousal & child support. Under our lenders request I did have his name removed from the deed early XXXX. I did get relief from Federal Court lifting the " stay '' to complete the divorce. At the time of the Final Hearing I was still unemployed however the Court awarded me the martial home and my now ex relief from mortgage responsibility. Placing the children in I in danger of becoming homeless. I applied multiple times for HAMP & NACCA programs. Until finally reaching out to CFPB which I most grateful and very happy to say assisted with the process between me and the lender. My issue is now my ex husband is attempting to have his name removed from the FHA mortgage/loan. I 've been paying the mortgage on time, I ca n't assume the loan on my own. My children and I have no where to go because of he non compliance with previous orders not paying the mortgage completely wrecked my credit & ability to rent in a safe decent area. Additionally, at the time our XXXX yr. old son XXXX XXXX in a 4 month time frame. I suggested relocating back home near family. The XXXX recommendation was no more major life changes XXXX. The Family Court system interest does n't appear to be in he best welfare for children and mothers. I am afraid the Court will order side with my ex and force me to take his name off the FHA loan. Please HELP!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015. 

As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction. 

We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date. 

As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our current mortgage is held by Bank of America that purchased it some years ago from Countrywide. We recently applied for refinancing of our loan to consolidate several other loans for vacation property and home improvements. Bank of America estimates that we could get our monthly payments several hundred $ $ less per month compared to the current mortgage and the monthly payments for the other outstanding debts. We had the house appraised for several hundred $ $ ( non-refundable ) and the report came back at 100K more then the total of the new mortgage. We were not upside down. We have a history of timely and complete payments on our current mortgage as well as on all other debts. Our credit score is in the XXXX range. My wife and I are both employed and I receive a pension from the XXXX that was not included in my yearly income by B of A. Our XXXX is approx XXXX per year. We thought this was going to be a slam dunk. 
Yesterday I received probably the XXXX request for further documentation of what I consider artificial hoops placed by their accounting department. To illustrate, we owed {$4000.00} in federal taxes for 2013. they asked me 10 days ago to substantiate the source of the funds to pay this amount. I sent them the image of the actual check endorsed and stamped by the IRS with account and routing # visible. In the last email they requested " documentation to support source of funds used to pay 2013 income taxes '' This after they confirmed receipt of these documents. I am at the point of mistrusting their sincerity in ever getting this loan finalized. I have no clue why they would be putting my wife and I thru this elaborate and redundant process, but here we are with no refinanced mortgage. I have saved all email communication with them as well as the documents sent on this fools errand. 

Company response: Company chooses not to provide a public response
Consumer complaint: Reving my credit score I see some things that I do now that will need to dispute on my Credit XXXX is from XXXX I paid my bill on time every month XXXX day the sent me a XXXX bills said the meter was read wrong trying to get me pay all XXXX bills plus my monthly because XXXX meter was read wrong and they admit it was there fault. Also XXXX other items was XXXX apartments I stayed in was XXXX for both I was on XXXX. they saying I did n't pay info was incorrect if I did n't pay I would n't have effected and would n't been still on the program. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I have Elan Credit Card since XX/XX/XXXX and I got charged interest without my knowledge since XX/XX/XXXX. I did not agree to any kind of interest and they start charging interest without my knowledge or my approval. 
I would like to pay Elan Credit Card the balance without any interest or fees that I did n't agree. 
I try to communicate with them but they have no email and they never reply to my letters that I send to the address that they have on their website. 
Every time I call the associate has to redirect me to an supervisor and the supervisor never answer the phone. 
The website is : XXXX For questions about your account or to report a Lost or Stolen Card24-Hour Cardmember Service : XXXX reach Cardmember Service via email, login to your account and click on Messages. 

Technical Support For questions about your internet browser configuration or technical support for the Online Account Access website. 
XXXX a Payment Cardmember XXXX XXXX XXXX. XXXX, MO XXXX an Overnight Payment Cardmember ServiceXXXX XXXX XXXX StreetSt. XXXX, MO XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX. 
My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account. 
This time around I am writing you in the hope of some justice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX XXXX. School of XXXX and graduated in XXXX. The legal industry has not recovered from the recession. I am employed full-time XXXX in New York XXXX. I make {$65000.00} pre-tax, annually. I make {$3400.00} a month, post-tax. 

I borrowed from the New Jersey Higher Education Student Assistance Authority. When I researched and signed this loan ( really, XXXX separate loans ), I was under the impression the company was affiliated with the State of New Jersey, and as such, would have a loose enough affiliation with the Federal government such that it would be subject to Federal repayment guidelines. Total amount borrowed : {$180000.00}. 

The total monthly repayment amount of my NJ HESAA loans is {$1500.00}. On top of that loan, I also borrowed roughly {$80000.00} in Federal loans. My Federal loans have been in deferment/forbearance ( for XXXX and most of XXXX ) and until recently, IBR ( for most of XXXX, XXXX and barely XXXX ). I have been advised that my IBR Federal loans have expired, and was asked to re-apply. I did, and was recently informed by Nelnet ( the Federal loan processing company ) that I did not qualify for IBR. As such, Nelnet expects me to pay {$800.00} at the end of the month. 

HESAA, after repeated and courteous requests from me, refuses to offer ANY repayment cooperation. From IBR, deferment, reducing interest rates, NOTHING. 

I am youngish ( XXXX ) and fear that I will never be able to crawl out from under this rock of debt. 

I am writing to put CFPB on notice that NJ HESAA is a predatory lender and should be treated as such. Thank you for reading and for your time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated. 

Company response: Company disputes the facts presented in the complaint