AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: U.S. Bank paid out of an escrow account for Loan # ending in XXXX for a property insurance policy other than the property assigned to this loan. When the error was brought to U.S. Bank 's attention they not only refused to correct the error, they refused to discuss the matter with me, the account holder, and insisted on discussing it with only my insurance agent. The matter was never corrected. U.S. Bank refused to accept the loss due to their negligence and have withheld the money paid out in error from the loan pay off on XXXX XXXX, XXXX. I understand the law requires reserves and accounting for the escrow fees within the monthly mortgage payment. This is not the issue here. The problem is that U.S. Bank, through their own incompetence created the shortage in the escrow account and refused to correct the problem. Instead they merely demanded that I, the mortgage holder, make up the shortage they created by carelessness in their accounting. This is a habit of U.S. Bank. I closed my checking accounts with them due to their processing debits from another person 's account through my account instead and denied this to be fraud. They have made up fees and charged my account for items I did not purchase because they chose to without cause or reason. They have withheld funds illegally claiming their accounting allowed this. The most recent was at payoff of this loan on XXXX XXXX, XXXX. The account was paid up for XX/XX/XXXX including the mortgage insurance of {$51.00} for XXXX XXXX. However, U.S. Bank held the funds for the mortgage insurance for XXXX XXXX, XXXX XXXX and XXXX XXXX, as well as the escrow shortage from their admitted disbursement error. 
I am appealing to this board to investigate U.S. Bank 's form of accounting, correct same and return my funds of {$710.00} for the property insurance policy paid in error and the {$100.00} in mortgage insurance and the {$230.00} in the escrow impound that should be returned to me from closed escrow account since loan is now paid off. The total U.S. Bank owed me is {$1000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a home equity line of credit with Well Fargo. I have had this loan for a long time. The total line of credit is XXXX. My outstanding balance is XXXX. Wells Fargo 's monthly payment request is for XXXX. I have been paying XXXX each month for a long time, so I can pay down the loan more quickly. There are some months I skip a payment, but because of my usual monthly higher payment, that has never been a problem. I skipped the XXXX 2015 payment, and now I am being charged a XXXX finance charge, despite the fact that I am ahead on my payments. I do not think this is fair to me. Also, I have been notified that my account is " restricted '', due to this skipped payment. Again, I feel this is not fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: deceptive charge practices. See statement attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently reviewed my credit report on XXXX/XXXX/XXXX and saw a new entry for a collection account that was placed on my file in XXXX XXXX. It refers to XXXX and is in the amount of approximately {$3600.00}. We went to a seminar in XXXX held by XXXX in XXXX Tn. and were offered a package THAT COULD BE CANCELLED within 30 days. I contacted them within the 30 day window and cancelled my obligation. I spoke to them verbally and also sent a written request to cancel. The agent for them said she noted our file and acknowledged it was cancelled. Again, the service offered by them was never used in any manner and was cancelled properly. This was 8 years ago. Now, for some reason it has been re-surfaced and turned over to a collection service. I want this removed immediately from my credit report. The debt IS NOT VALID. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX, we contacted Wells Fargo and spoke with XXXX to confirm the terms and conditions of an online balance transfer offer. XXXX advised us that since we had a {$10000.00} credit line on our business credit card, that we could transfer {$9800.00} to our checking account, and we would need to pay a one-time fee of 4 % of the balance transfer amount, up to a maximum of {$170.00}. XXXX further advised us that the balance transfer would have a 0 % promotional interest rate for 12 months. 
Agreeing to the above terms, we moved forward with the transfer, and were provided a reference code. 
Soon afterward, we received a letter from Wells Fargo dated XXXX/XXXX/XXXX, confirming the details of the transfer ; however, the letter omitted any information regarding the 0 % promotional rate that XXXX had advised us that we would receive. We assumed that everything was correct, because no other rate was disclosed or specified on the confirmation letter. 
On XXXX XXXX we reviewed our XXXX/XXXX/XXXX account statement, and we noticed that we were being incorrectly charged interest on the balance transfer at a $ 23.99 % cash advance rate. We immediately contacted Wells Fargo and spoke with XXXX, and we explained the situation to her. XXXX assured us that she would submit the paperwork right away to correct the cash advance to be reversed, and instead to be re-processed as a balance transfer with a promotional 0 % rate, as we had been advised by XXXX on XXXX. XXXX further assured us that the correction would be processed within seven to ten business days. 
We heard nothing else from Wells Fargo on the matter, so naturally we were led to assume that the correction had been completed as promised. Throughout the remainder of XXXX, we had automatic payments made every month from our checking account, and we had no reason to review the electronic statements in detail. 
On XXXX/XXXX/XXXX we prepared to pay off the promotional balance of what we assumed was the 0 % promotional rate, and we planned to do this prior to when the promotional rate was scheduled to end in XXXX. At that time, we noticed that Wells Fargo had not corrected the interest rate on the account as promised, and had instead charged us the incorrect cash advance rate of 23.99 % for a total of {$1900.00} in incorrect finance charges. 
On XXXX/XXXX/XXXX we notified XXXX, then XXXX, then XXXX as we were getting transferred from place to place and finally ending up at the Executive Offices, with a person who should have been able to correct this situation. However, instead of correcting the situation, XXXX dismissed the situation as our fault, and basically told us that there was nothing that she could do for us except to lower the rate for a few months from the 23.99 % cash advance rate, to the only slightly less ridiculous rate of 16.24 % for purchases. 

Company response: Company chooses not to provide a public response
Consumer complaint: This XXXX XXXX has been calling my daughters telephone number leaving many messages to call this person I do not know who these people are and the purpose of their continuous calls. Please have them remove my name from their database i.e. robocalling. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am dealing with the collection agency Synergetic Communication , Inc. I am questioning how legitimate this company is for several reasons. They do not show up as the creditor on my credit report, and they are unlawfully attempting to collect a debt from me by violating several FDCPA laws. They have contacted me before XXXX my time zone and have also called me several times within one hour. They have also never sent me a debt validation letter to make me aware they are the collection agency assigned and to advise me of my rights to dispute the validity of the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I noticed an unknown account on my credit a few years ago, and since then have sent American Revenue XXXX notices, including my police report showing I 'm a victim of identity theft and they continue to ignore me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I suffered a job loss XX/XX/XXXX. I have been a loyal cardholder of Citi for 20 yrs and opted in for their Credit Protector program for XXXX credit cards with Citi and had been paying this for over 4 years. I submitted a monthly form to utililize their Job Loss benefit which covered just my monthly payment every month. In the current terms it stated after 24 months the company would cancel my balance if continued job loss occurred. When my 24 months passed, I got a letter indicating I do not qualify any more as their change in terms for the program upgraded XX/XX/XXXX so I will not be applied the benefit after 24 months. This was devastating as I clearly could not continue making the monthly payments as unemployed. This is complete fraud and a scam to those in need of the benefits they advertise and offer.I called several times to verify this and spoke with supervisors who were unhelpful and a total disregard of my situation. After being a loyal cardholder for 20 years, they offered no assistance or consideration. I did not know who to report this to of if it is even legal to remove services or change services and mislead you into believing the customer is at fault! I would like to report this as Im sure several other cardholders fell into this trap as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT 

Company response: Company chooses not to provide a public response
Consumer complaint: CITIBANK MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT NEVER HAD TRYED TO GET ANYTHING FROM CITIBANK 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an auto loan with regional acceptance corporation. The account was charged off and included in my bankruptcy. However the account is now 7 years old as reported my first late being XXXX 2009. After several attempts you contacted regional acceptance. I received a reply that they would remove four months of reporting charge off after my bankruptcy was filed. However I was then told that my first late on this account does n't count towards the seven years because I then became current before becoming late again. I am only allowed to speak with there bankruptcy department when I call and was told do what I need to do they were n't updating my credit report. I received a letter from XXXX XXXX. The bankruptcy department states she does n't work in bankruptcy or credit reporting so they do n't know why she sent me a letter. This account is over 7 years old and by law is to be taken off of my credit report. Everytime I call I am directed to bankruptcy department. That is all I am able to speak with and they tell me to do what I have to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to unusual historical circumstances, I have approximately {$55000.00} of outstanding credit card and other revolving debt. Most of it carries an interest rate of 29.99 % and is owed to Citibank. I would like to take out an additional home equity loan from Citibank for {$80000.00} to pay off this high interest rate debt and use the remainder ( {$25000.00} ) to pay towards my son 's college education. 

I have plenty of equity in my home and am employed full time and earning a good salary ( $ XXXX K/year ). So from an equity and debt-to-income point of view I should have no problem qualifying for this additional home equity loan. The problem I have a low XXXX score -- but it is purely on the basis of my high credit card balances. In fact, I have an excellent payment history ; e.g. my existing home equity loan to Citibank for approximately {$230.00} K has never missed a payment! Now because Citibank is denying me this debt consolidation home equity loan, I can not get out from under the high credit card balances to guess who? CITIBANK! So now I will be forced to restructure or ( hopefully not ) default on my credit card balances which will further impact my credit standing going forward. 

On Tuesday XXXX XXXX, 2016 I spoke with XXXX XXXX ( XXXX ) who is the Citibank home equity credit officer handling my inquiry. She confirmed that Citibank denied my request for a HELOC purely because of my low XXXX score, not due to my payment history or equity in my home or debt-to-income ratio. Furthermore, she confirmed that in looking at my XXXX credit report, my score of XXXX was low purely because of my high credit card balances. 

I explained to XXXX XXXX that I can no longer continue to make these high credit card payments. I further explained that this is not the way Citibank would treat its corporate or high net worth clients looking to refinance their high interest rate debts. In fact this is not how the taxpayer treated Citibank during the credit crisis! When I think about the mission of the CFPB, I can not think of a more black and white situation for them to look into. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not owe any of these depts. The the last two months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, these dept collection agencies keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. These collection agencies keep call me every month, and they spelled out the name and date of birth which were clearly not mine. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe. 
These are the XXXX collection companies the file delinguents on my credit reports every month : PHOENIX FINANCIAL SERVICES, XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a cash advance. When it was due I called and asked for a 4 day extension. I was denied for the first time in 5 years. I was told by " XXXX '' that the check would be deposited in two days knowing that my check will bounce. Then she said that I 'd have a $ XXXX fee from Amscot and XXXX {$35.00} return check charge from my bank. I told her that my mortgage payment will bounce. I was never told that I could n't receive an extension, nor was I offered any other assistance. 

I called the Corporate Office and was told the same, except she said that had I called earlier I could have received assistance. I called XXXX/XXXX/15. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a XXXX XXXX item on my Transunion and XXXX credit reports listed as " charged off as bad debt '' and showing a balance of {$280.00} and past due of {$100.00}. This account went into default in 2000, date of last payment is XXXX XXXX, 2000. There has not been any activity on this account since 2000 which far exceeds the 7 year reporting period. I have disputed this account with both credit reporting agencies and both come back with no explanation except that it a valid account. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, XXXX Acct # : XXXX Date Reported : XXXX/XXXX/2014 Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE this account was apparently transferred to another lender sometime ago, so how can current acct status be showing as late?? this is inaccurate 

Company response: Company chooses not to provide a public response
Consumer complaint: I have various checking accounts at Wells Fargo and use the online payment system from XXXX to make payments by check, which is mailed to the recipient. Recently I wrote a check for about {$2300.00} to my insurance company for a homeowner 's premium. This was to replace policy I had paid for a week or so earlier with a better one recommended at the last minute by the agent. I asked the agent to hold onto the check until I had received a refund from the other policy, and she has kept the new check on her desk. But in the meantime, Wells Fargo debited my account for the {$2300.00}, causing the account to go into overdraft and impose a {$35.00} fee. When I complained, WF reversed the overdraft fee and explained that this type of payment is debited from the customer 's account on the date specified by the customer when the payment is ordered, but that the payment is not forwarded to the recipient until the check is cashed. The representative had no answer for why this should be different from the procedure with a traditional check. In my view, the bank is not at risk in this transaction, because it could simply refuse to clear the check if there were insufficient funds in the account, as it does with ordinary checks. I feel the process is designed to increase the odds of an overdraft for which a fee can be charged. It is similar to the practice of booking withdrawals before booking deposits, even if they come in the same day. This practice should be barred. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like the CFPB look into my claim # XXXX against XXXX default services, Because their refusal or ignore to validated my DEBT VALIDATION LETTER it got sent out by certified mail with copy receipt # XXXX. 
Instead to comply with my request, they still want to go ahead with its illegal and criminal act. They sent me another document postponing the Foreclosure Sale date from XXXX XXXX 2016 to XXXX XXXX 2016.This company clearly its violating my consumer right XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call on my cell phone voicemail that stated that person name is XXXX which is the manager she stated that they had gone to court and that if I want to resolve this I could come into the office so they could collect the collateral or if not they would be at my house today with a locksmith in the constable which I felt was uncalled for I know that they can not do this and I feel like they are harassing me in this matter 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The collection agency obtained a judgment against me only for medical bills associated with the birth of my and my ex-husband 's daughter even though I was legally married when she was born and covered under my husband 's medical insurance. I contacted them approximately 1 month ago to explain the circumstances of the bill, that the judgment should be against us both, that according to a court ordered divorce decree dated XXXX/XXXX/XXXX, my ex-husband is responsible for those medical bills, that I am currently on welfare ( food stamps & OHP ), that he is almost $ XXXX in arrears on child support, that he has no parenting time with the kids, I have no family to assist in the area, and I only work XXXX hours per week supporting the kids completely on my own. 
Last week, my employer and I received a garnishment for {$2900.00}. The judgment is dated for XXXX/XXXX/XXXX and the bills are from on and around XXXX/XXXX/XXXX. They want to take up to XXXX % of my wages for medical bills that are over XXXX years old for my daughter 's birth when I am having difficulty financially supporting them now. I was told that it is perfectly normal to take legal action against only me for the medical bills and that I should hire an attorney. Clearly I can not afford that. Please help! This is completely discriminatory against me as the mother and disabling to my finances. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: USAA credit card services ( -XXXX ) continue to send me statements for {$3000.00} plus dollars for merchandise that they own and are in possession of!! 
Besides being unethical, it is also illegal to bill me for something I do n't have or own!! 
USAA has been very unprofessional and refuses to acknowledge this issue. 
USAA has also been charging me interest on that {$3000.00} plus dollars and refuses to stop, they also owe me {$150.00} for shipping charges! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received correspondence from Gamache and Myers on XXXX/XXXX/15 stating they are attempting to collect a debt for XXXX XXXX XXXX. Responded via certified letter to G & M requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that G & M has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit. 

Company response: Company chooses not to provide a public response
Consumer complaint: General Revenue Corporation sent a letter dated on XX/XX/XXXX about an alleged debt I do not owe. In the XXXX paragraph they state that it is their second attempt to notify me of the debt yet they have never contacted me before nor have I ever heard of General Revenue Corporation until today XXXX/XXXX/XXXX when I received their letter. Nowhere on the letter does it say I can dispute the debt. Also there are XXXX different addresses listed on the bill in XXXX different towns out of XXXX different states. The average consumer would have absolutely no idea what address to send a dispute to. 

The letter claims that I owe for a loan where I have never taken a loan for whom they are claiming to collect for in their letter. 

Absolutely none of my rights are stated in their letter to me and the language used is to demand payment giving me no option to dispute anything regarding their false claims with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote XXXX and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried several times to get Citibank to correct the errors in how they are reporting my mortgage. This loan was forgiven XX/XX/XXXX when the house was short sold. Yet they keep reporting several delq. as recent as XX/XX/XXXX. I am attaching the XXXX showing forgiveness of the loan XX/XX/XXXX and a copy of my credit report showing how it is reporting to my credit bureaus. They are destroying my credit and after disputing directly with them and the credit bureaus I have gotten no where. Please, please step in and make them remove this item all together from my credit report. Fixing it now is n't acceptable as they have reported it wrong for years and they should error in my favor as they have cost me thousands of dollars in extra interest fees by dropping my credit scores by XXXX points. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have on two occasions asked for the company to validate the debt in question and to prove that they have a right to collect the debt. In response, they have sent only screen shots of an old account from someone they claim to be the original creditor. 

Company response: Company chooses not to provide a public response