AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Regarding Shell Account # XXXX and XXXXAccount is issued and serviced by Citibank.N.A XXXX XXXX XXXX XXXX , SD XXXX. 
I wrote a letter to the company last XX/XX/XXXX requesting a " goodwill '' adjustment to my credit report because I believe my Shell Credit card report is inaccurate. Both credit card was under a payment arrangement I requested XX/XX/XXXX, the time of my hardship losing my home and then abandoned by my husband left with mortgage, other debt and credit card payment. The agreement was automatic deduction from my CITI bank checking account in the amount of {$67.00} and {$27.00} every month for 9.9 % APR for 5 years. And when the LAST PAYMENT is due in the amount of {$10.00} they did not debited it from my checking account and resulted the negative remarks in my credit report as delinquent.How and Why is the last payment not automatically generated debiting my checking account causing all the trouble .Also, I was contacted and harassed many times a day and at work and even when the payment was made, the calls continued for many more days not until I called them back which the person who answered said that it is a computer generated call that will not stop until it is corrected. Their customer service were very poor in regards to listening to the complaints and resolving issues including their supervisor that can not answer my questions and just transferred me another person w/o informing me first and you 're back to square one in explaining your issuel.. The very sad thing is the report lasted 60 & 90 days delinquent which Im not aware until I applied for a mortgage loan after long 5 years of struggle with my debt resulting to dropping my FICO score and then rejected to get a loan. It is very unfair that after 5 years of paying in good faith, they will destroy again your life due to computer generated billing that poorly monitored and a system that last payment in an automatic deduction from your bank can cause your life. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sold an item on eBay for {$1600.00} and the buyer paid with PayPal and the funds were deposited into my PayPal account. The buyer personally picked the item up and took it home. On XXXX XXXX, the buyer then filed a claim with eBay and the {$1600.00} was taken out of my PayPal deposit account without my consent. I contacted eBay and they ruled in my favor and advised me the PayPal funds were returned. The funds were returned because the buyer made complaint about the item when picking it up and he made no effort to return the item. On XXXX XXXX the buyer filed a dispute with PayPal ( even though eBay had already ruled on this matter ) and PayPal again took the funds out of my account. PayPal did not notify me this was being done via email, phone or letter. I was not aware of this issue until XXXX/XXXX/15 when I logged into my PayPal account and saw the transaction and my account in the negative. There was a note from PayPal on my account demanded I fund the negative with my other bank account or credit card. I contacted PayPal and they claimed they tried to email me XXXX times before ruling in the buyer 's favor. I show no record of any contact attempt, although I had received other email from PayPal. They told me it was my fault for not logging into the PayPal system and checking on my account. I appealed the decision and they rejected my appeal. The buyer has now received a refund and has the {$1700.00} item and my account is running a negative balance even though I was told the dispute was settled in my favor and all funds were returned to my account on XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a {$9.00} toll charge with the XXXX. They have a contract with Linebarger Goggan Blair to collect debts. I live in the XXXX area, and my bank card on file had expired so when the money in my account was used, it kicked back the charge. I received an invoice for the tolls + administrative costs from XXXX. I contacted them to correct the issue. I was told to contact my local toll authority ( XXXX ) and have them send over verification of a good standing account. I did that. During their exchange of information which I have no control over, XXXX sent my account to collections, subsequently adding approximately {$120.00} on top of the {$30.00} administrative fees ( which XXXX agreed to remove ). My final bill is {$150.00}. I was instructed to contact Linebarger for any removal of their fees, which they told me they would not do under any circumstance, and the collection representative " XXXX '', informed me that I had committed a Class C Misdemeanor and had broken the law. All the toll authority had to do is run the charge again, but they send their accounts to collections because someone is getting their pockets lined at the consumers expense. It is unethical. I did not attempt to break any law and XXXX has since received money on behalf of my toll usage, but has maintained that they will not take my toll payment for this one day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My ex husband XXXX XXXX and his current girlfriend XXXX XXXX keeps using my credit and I ca n't even access my report because I do n't know what creditors and mortgage companies they are using. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2010 my wife and I had an appointment with Bank Of America to work out a acceptable mortgage plan to make our mortgage more affordable. I was working on XXXX that day. I was tasked to pick up a vehicle at XXXX. XXXX airport, pick up a drive, whom would then pick up a bus. Then we would return the bus to XXXX XXXX XXXX XXXX in XXXX. There shpuld have been plenty of time to d this and get back to home base at XXXX XXXX XXXX That is and hour from my house in XXXX XXXX On the trip tp XXXX XXXX XXXX XXXX from XXXX XXXX , the bus broke down on XXXX XXXX in XXXX XXXX By the time tow truck got to us, we returned to XXXX XXXX XXXX , and parked the other vehicle, and then drove the hour home, I had missed the XX/XX/XXXX. meeting with the Bank Of America financial representative XXXX My wife attempted to call ahead of the meeting time, explain what happened to me, and rescheduale. They, Bank of America, flat out refused to rescheduale the meeting. Since that day we were treated like criminals. Now we have had to short sale out home, can not find a place to live. We have two months before we have to move out. Bank of America sold our mortgage to XXXX XXXX XXXX Bank. XXXX XXXX XXXX started off treating us the same way as Bank Of America, probably to do notes By XXXX XXXX from the XXXX. XXXX. office.We had our rights violated by not getting another meeting to work out the financial issues. Because of this we were not able to qualify for a loan modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX open collections when I only owe XXXX school ( XXXX XXXX ) XXXX amount. 
So because their are XXXX its making my Reported Open Collections Balance {$4300.00}. When it should only be {$2100.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Our loan was recently transferred to GreenTree Servicing. In the transfer process, a {$1000.00} principal payment was lost and removed from our account. I sent all payment history verifying the payment was received by the previous provider and now GreenTree is holding the payment along with another {$1000.00} principal payment rather than applying it to the balance of our loan. I have contacted Greentree XXXX times with regard to this problem and have received no resolution. I believe this a a violation of our Loan Agreement per the following : '' I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a " Prepayment. '' When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. 

I may make a full Prepayment of partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note .... '' Are there any actions we can take to get them to apply the funds to reducing our principal? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I contacted Senex Services Corp via phone at : XXXX and spoke with XXXX regarding a debt that was paid and still being reported to the XXXX main CRA 's as in Collections. Over the course of XXXX separate phone calls with XXXX I was informed that the debt would not be removed from my Credit Report unless an additional {$100.00} was paid. I informed XXXX that I have a letter dated XXXX/XXXX/15 documenting and confirming the account was satisfied and that my obligation to Senex was complete. When I asked to speak with a supervisor or manager I was told they were unavailable and I was asked if I was going to pay the {$100.00} or not? When I refused, I requested documentation that I owe {$100.00} or why I would need to pay this in order to have it removed from my credit report. I was informed that Senex does n't have the time to generate a letter and would only provide a receipt for the {$100.00} payment in XXXX days. When I kept disputing, XXXX informed me that after speaking with Manager : XXXX XXXX, authorized her to accept {$80.00} from me. I again asked for documentation, I was denied any such. I asked to speak with a Manager and I was told one would call me back but it might be a while. I informed XXXX / Senex that I believe this is illegal under the FCRA / FCDP and that I need something in writing from Senex. They refused repeatedly unless this $ XXXX {$100.00} was paid. Attached is the letter from Senex documenting my debt / obligation of {$300.00} is satisfied. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX I purchased airline tickets from XXXX. It was myself, my wife, and XXXXyear old son. 

I traveled XXXX for two weeks in XXXX. None of my bags made it. The crucial piece of this my XXXXyear old baby 's bag was not available that had all his food and formula putting him at risk. XXXX being a XXXX, one has to be cautious with the foods. Also, my son requires special diapers that are organic and natural that were not available. He had just come off of a XXXX due to bad diapers. 

I contacted XXXX multiple times by phone and they were of no help. I emailed a formal complaint and no response. They just kept deferring me to the airport and they did not lose my luggage. I finally got my bags three days before the end of my trip. 

The airline breached their contract as one was entered into with them when I purchased the tickets and they did not deliver. They also but my baby boy at risk. I filed a formal complaint with the XXXX and they agree that I have standing here. 

I am demanding full credit back for the three charges described in the complaint immediately. My case # with the XXXX is XXXX for your reference. 

Per XXXX guidance, I paid for a service and did not receive the service. Wells Fargo is refusing to dispute the charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my wallet stolen. My debit card was used for a purchase at XXXX. I immediately notified Bank of America and cancelled my debit card. The bank has denied my fraud complaint and is going to pull the money from my account. I have provided them with a police report number and a statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Mortgage loan is serviced by Flagstar. When I fell behind I began working with XXXX and was also assigned a Single Point of Contact ( XXXX XXXX ) at Flagstar. I have several recordings with Flagstar trying to get in contact with my XXXX XXXX XXXX yet after numerous calls, request for a direct email, or a direct contact number I have been told that anyone in customer service could help with my loan. I had filled out Loan Modification Documents and mailed them back to the specified address yet the documents were never received. I would have Flagstar customer service then mail out new modification documents and remain them only to have the same outcome. Now I am facing foreclosure in 2 weeks and I speak with a customer service rep. that tells me I can simply upload my Modification documents thru my online loan account. I immediately go online to access my account in which I find I am LOCKED OUT OF! I call flagstar customer service and tell them the issue and have them reset my account. I upload the modification documents as well as my XXXX documents and Point of Contact with XXXX. With only 2 weeks away from foreclosure I just received a letter from Flagstar stating my NEW SINGLE POINT OF CONTACT WILL BE XXXX XXXX!!!!! With only XXXX weeks to foreclosure I am terrified I will not have enough time to finalize either my loan Modification or HomeSafe Approval. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a loan modification from Bank of America loan on XXXX/XXXX/2010 currently owned XXXX. I never received XXXX HAMP Modification - Borrower Incentive XXXX as on the site XXXX XXXX ) '' If the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by 6 % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} XXXX {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 
I would like the {$83.00} per month borrower incentive applied to the principal of my loan for 5 years then on the XXXX anniversary I would like the {$5000.00} applied to the principal. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today, XXXX XXXX XXXX, 2015 - I notified Account Control Technology, Inc. at XXXX XXXX ) XXXX regarding my student loan payments. I spoke with XXXX. I have been faithful in my payments and have automated withdrawals from my personal banking account. However, I received a letter dated XXXX XXXX 2015 stating payments would begin posting payments to my account on XXXX/XXXX/2015. I was shocked. I had no idea at this time my promissory payments had stopped. I am careful with these payments since I do not want an OFF-set of my taxes! So with this information, I immediately sent documentation to the Federal EDU collection, Acct. Control Technology asking for payment consideration, why they stopped since I have never missed a payment - I asked if the correspondence reached the office and if so, please read the documentation. Oh, did she read it! She was quite aware that not only had I not known about the payments that I had also spent the past 5 months with my helping my mother who had significant and XXXX at The XXXX XXXX Hospital and XXXX XXXX XXXX. I have been taking care of my mother for months as she has been XXXX. My mother 's XXXX was over 10 hours long, extensive and XXXX for a woman of XXXX years old. XXXX So if these particular Customer service representatives try to tell me that they spoke to my mother, they are very mistaken. I am offended and appalled. 
During the conversation, I explained to XXXX I have never once received notice of missing a payment, NSF in bank etc. XXXX then tells me maybe my card had been expired. Then it dawned on me. Yes, my debit card had been replaced with the same # 's and a new expiration date which I told her no one from my bank or their company had contacted me. She ignored me and continued on. She then kept asking if I wanted to begin a new account. I can not believe A NEW account. This was not my fault in the first place. No letter of termination, no financial funds, we are sorry you have defaulted on your promise to pay - NOTHING!!! 
XXXX then stated to me that the representatives had made calls to my phone and to my mother. I hit the ceiling. How can mother speak to anyone - SHE CA N'T. I knew then these people were lying. I offered to have a letter of medical confirmation sent to the department, they refused. XXXX then went to her supervisor who was just as nasty. Kept asking me why I not paid on my account. I explained again it was not that I did not pay, I did NOT know my payments WE 'RE not going through! Again, they told me over and over they spoke to my mother over and over and I know they are lying - I even asked if they knew sign language. I came to a point of cursing which does not making things better. 
I honestly DID NOT know what happened as to WHY they stopped and did n't tell me - WHY they had not called me - I can pull my phone records and prove to them, and lastly why are they accusing my Mother, a XXXX yr. XXXX of LYING - or that my family is lying. 
Can you help me? 
XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have been trying to obtain a loan modification with US Bank, since the beginning of this year. I can not get US Bank to coorspond with me in writing, phone calls, or emails. I was in bankruptcy, but my attorney was deemed incompetent, so I became my own attorney and before that I explained to US Bank to send me any and all information pertaining to my loan modification due to my attorney 's situation. Still not able to get cooresponding from US Bank in writing, any returned phone calls, status updates, or emails. It 's very frustrating and scary, since its my home where I live I 'm trying not to be forclosed on. I feel like this lack of communication between US Bank and I is being done to forclose on my home. Along with other unorthodox bussiness practices and procedures is unconscionable to people like me and my situation. I 'm sure others are going through these same hurdles as me with US Bank. I believe their business practices is done intentionally and widespread. Something needs to be done, because this is an injustice on people with hardships trying to save their home and because it is very time consuming 

Company response: Company chooses not to provide a public response
Consumer complaint: I have reviewed the attached documentation submitted by XXXX XXXX in connection with a previously submitted complaint. Nowhere on the application does it authorize XXXX XXXX, XXXX, or any entity, financial or otherwise, by specific name, proxy or otherwise to obtain my credit report. Due to XXXX XXXX 's failure to clearly and unambiguously identity itself as an entity authorized to obtain any credit report, this credit application is null and void. I spoke with XXXX XXXX of XXXX XXXX XXXX at XXXX and she confirmed that nowhere on the application is XXXX XXXX XXXX or any business entity whatsoever identified. In turn, the hard inquiry by XXXX XXXX XXXX is rendered invalid along with the XXXX XXXX XXXX hard inquiry itself. 

Company response: Company chooses not to provide a public response
Consumer complaint: It seems the bank ( Wells Fargo ) has an error in their loan management system. I had made an error in setting up my automatic loan re-payment information and inadvertently missed a payment. This triggered a {$20.00} late fee in my account. No problem with that. However, when looking at my statement, I noticed that the line item that added the {$20.00} late fee also incurred a {$.00} cent interest in the same monthly bill. I think that is wrong and hopefully just a " programming error '' and not an INTENTIONAL act to XXXX money from consumers. Please look into it and either explain this action or ask Wells Fargo to change their practice. I made a personal complaint when I called to ask for a one time waver of the Late Fee. They did grant me that waver but did not say anything about this OUTRAGEOUS interest gouging practice. XXXX multiplied by XXXX is a lot of money. 

Company response: Company chooses not to provide a public response
Consumer complaint: WellsFargo is the ONLY lender that requires a subordination agreement from a XXXX mortgage. After being underwater and Foreclosured for a few years I have finally been offered a Modification and I started making payments in XXXX 2015 just to find out that the Modification ca n't be final unless this subordination is signed by XXXX XXXX ( my XXXX mortgage ). My XXXX is not agreeing to this subordination and this will cause my modification to be cancelled and therefore to lose my home. 
These mortgage practice is denying many homeowners like me the opportunity to keep their very dear homes. It is a practice that should be banned. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had contacted a payday loan debt consolidation company, XXXX XXXX XXXX. My representative name was XXXX XXXX. The company sent out letters and I believe contacted Spot loan to cease all ACH debits and I revoked the withdrawal of payments from Spotloan. They sent a limited Power of Attorney. 

Spotloan continued to go into my account and my bank refused to do a reversal of payments. I have put a stop payment on my account. This left me in a worse financial situation. 

Since this time, I have cancelled my participation in XXXX XXXX XXXX and I have since learned that online payday loans are illegal XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX toll XXXX faxI have also filed a complaint with XXXX XXXX XXXX XXXX. Since XXXX sent a letter, they have sent me an email which I will attach. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015 I issued an XXXX eCheck to Wachovia/Wells Fargo Bank in XXXX VA for the sum of {$170.00} to be deposited in account # XXXX. On XXXX/XXXX/2015 the Wachovia/Wells Fargo Bank in XXXX VA deposited the check into account # XXXX XXXX. Clearly and admitted by numerous Wells Fargo employees, that this was a mistake, they have refused every effort to rectify the matter. Wells Fargo has said the {$170.00} has been removed from the incorrect account but they have no mechanism or procedure in place to put it in the right account or return it to the issuing bank ( XXXX ). They offered no recourse. 

Company response: Company chooses not to provide a public response