AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was two months behind on my mortgage. I did not make a payment for the month of XXXX or XXXX. However, I made my payment on XXXX XXXX, 2015, in the amount of {$3700.00}, which included late fees. Since I was two months late, I have no problems paying the penalty. However, I refuse to pay a late fee, when I am not late with my mortgage payment. I received my XXXX 2015 bill with a late payment XXXX in the amount of {$42.00}, for my XXXX payment. I made my full payment of the entire mortgage that was owe. Per my mortgage contact, I have a 15 day grace period in which to make my payment, before it is considered late. Making my mortgage payment on XXXX XXXX 2015 is not considered late per my mortgage contact, when in fact, my payment included all of my late charges for the month of XXXX and XXXX. Like I have stated in the past, I will not make my payment until I have to, which is on the XXXX day of each month. If I pay after the XXXX, its on me and I will pay the late fee. I am not going to pay late fees when in fact, I have not made a late payment. 
Additionally, I am receiving harassing telephone calls everyday at least XXXX or XXXX times per day and no one leaves a message. I refuse to be harassed by telephone calls. If the calls are important leave a message and I will return the call, otherwise, I want the harassing telephone calls to cease and desist as the calls are to annoy and harass. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a current XXXX and also in the Military and work XXXX jobs and go to school XXXX I have had several issues pertaining to USAA Bank and paying my creditors accurately, they process the payment and then the creditor can find the payment. For example onwed eve XXXX XXXX a payment was made to XXXX with a confirmation number and they see the payment attempt and yet the money is still not posted to the XXXX account. Now my XXXX services are delinquent and suspended. 
USAA Bank also has for the past 3 months paid the XXXX and taken the money back as well as XXXX water for the past 3 months when their is Sufficient Monies in my bank account forcing me to accrue banking fees each time with USAA Bank and the creditors. 
When I call USAA Bank they cant find the money and accused me of using an old card that was cut up months ago moreover I can not speak to a Supervisor until XXXX hours later. 
This is very frustrating and would deeply appreciate your help in resolving this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a loan modification in XXXX 2016 and up till now have not received an answer in writing though the assigned customer service representative said the application was declined regardless of my financial hardships and death in my family. The service I received from the Bank especially through the agent XXXX XXXX is very unacceptable and derogatory. Please help me out. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Select Portfolio Servicing Inc. is my servicer. XXXX XXXX is the note holder. In XX/XX/XXXX we applied and submitted for a Loan Modification on our XXXX, Owner Occupied Home. We were granted a modification in XX/XX/XXXX. We signed and returned the modification agreement, as did our servicer. In XXXX, the servicer unilaterally attempted to change the terms of the modification. Our payment would rise and our Balloon Payment was going to rise from {$200000.00} to over {$800000.00}. We have refused to accept the change as it is NOT beneficial. Recently, Select Portfolio Servicing refused to take our payments and attempted to foreclose on the property. We have reached out to them on a constant and consistent basis. We requested a review on XX/XX/XXXX and were given a 45 day window for a resolution. It has been over 50 days and they have NOT responded in any way. They continue to add late fees even though we have been current since the modification. 
The Servicer has verbally responded that they will NOT honor the signed modification from XX/XX/XXXX, given that we did NOT accept their revised modification offer. They have NOT furnished their response in writing nor in a timely manner. We informed them that we will be filing a complaint against them. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have had Citibank Credit Card since XXXX cobranded with XXXX XXXX . During XXXX 2015, i received an offer letter from XXXX to open an Citibank CitiGold Checking account by XXXX 2015 and then make purchases of {$750.00} from the checking account 's and XXXX Bill payments from the checking accounts within 90 days of opening the account in order to receive XXXX XXXX reward miles. The offer also promised to provide these reward miles within 90 days of completing the qualifying transactions. 
I opened the account by XXXX 2015 and completed all the necessary qualifying transactions within 90 days of opening the account. However, I did not receive the any airline miles within the 90 days. Moreover, i was shocked when the Bank began to assess $ XXXX Monthly fees for XXXX consecutive months. When I enquired with the customer service, the servicing agent mentioned that I need to have {$50000.00} in linked deposits. These terms and conditioned were not mentioned when i signed up for the account. I also did not receive any communication on the terms after opening the account. I wrote back numerous times to the bank to reverse the fees and close the account. After many complaints, i received the XXXX Airline miles well after 7 months of opening the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: A Collection Agency named Progressive Management say I owe {$330.00} to them for a medical bill XX/XX/XXXX. Which would n't be possible since I was under my mothers healthcare and barely graduating high school. I did n't know anything about this debt till I tried to get a credit card around XXXX. I got no letter or email saying I owed anything. It just stopped me from getting a credit card since this was on my record. I checked XXXX and XXXX to see if they can find it, I even called XXXX to see if they can find this debt I owed. But they said I had a clean record and I owed nothing. So I tried for a credit card in XXXX with my mother to see if I can do a joint account for a credit card and they told me the same thing. this debt collecting agency was on my record. So after that I research them and found out they scam people in debt that is not real. I found out they went for people who had someone deceased in their life. If it was their child, spouse, or even ex spouse. They have been around since XX/XX/XXXX. Now XX/XX/XXXX I finally have a credit card but still have this in my record and I just want it finally removed after finally getting this letter of last month showing that this company actually is on my record on this piece of paper. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi there. The company that contacted me is called ERC - XXXX 

This is inappropriate contact due to the fact that they are trying to collect from my grandmother, who lives in XXXX, XXXX, but contacted me about the debt, and I live in XXXX XXXX, XXXX. I never shared a similar address with my grandmother. It is clear that they are attempting to share information regarding the debt with my grandmothers relatives to get us to contact her about the debt. This is inappropriate and just wrong as my grandmothers debt information should never have been mailed to me. 

Here is the information regarding the debt, in case you want verification. 
Creditor : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Amount of Debt : {$49.00} Account Number : will share if contacted Reference Number : will share if contacted 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, XXXX, TransUnion ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section XXXX. Under this section, all disputed account must be blocked within XXXX business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX SC XXXX TU XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TU XXXX/XXXX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Santander Bank declined a debit card transaction even though my account had sufficent funds to cover the amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given a fraudulent cashiers check. I deposited into my savings account and made no attempt to withdraw the fund. The check was determined to be a counterfeit cashiers check. Upon learning this fact I immediately notified the supposed issuing bank. They informed me that they were experiencing a " flood '' of fraudulent checks being given to victims throughout the country. I notified my bank - Wells Fargo - and, even attempted to provide them with information relative to the actual identities of the individuals that had given me the fraudulent checks. They were not interested in obtaining any information nor willing to receive copies of the complaint I had filed with my local police department or US Postal Service ( US Postal Inspector ). Wells Fargo suggested that I deposited a fraudulent check into my personal account - suggested that it was my responsibility to know if the check was good or not - and, immediately closed my account ( s ). I asked why then the XXXX hold on the check upon deposit? The bank clearly was not a victim because they lost no funds. I was the intended victim of a scheme yet lost no money. I was quite surprised that they essentially terminated and closed my accounts - and, their fraud department would n't even engage in a civil conversation about the specific details of the scheme that was meant to defraud me. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is an addendum to a complaint filed earlier against Wells Fargo Bank The file no.is XXXX. This correspondence should be forward to XXXX XXXX XXXX, Department Manager of Research and Correspondence who answered the previous complaint. I followed up with his suggestion regarding my claim. That phone number referred me back to their Fraud Liability Div. where I was given another customer service Rep. XXXX times I called and their has been no response. The name XXXX XXXX,! -XXXX.Once again Wells Fargo stalled and did n't follow-up on their correspondence letter. Now the statute of limits is up on the initial charge of their negligence. I, now willpursue action against Wells Fargo under California code 530.8.The trial of documents will be presented in court to a judge force them to clear my name .Wells Fargo has n't made any attempt to help me. The fine is {$100.00} a day. The Initial investigation goes back to XXXX XXXX. I intend to name, you, XXXX XXXX XXXX in a separate small claims lawsuit at {$100.00} a day. The law passed in XX/XX/XXXX and is specific about Wells Fargo 's obligation. In addition I will forward a whistle blower complaint to the Attorney Generals office of the state of California and the US attorney 's office in XXXX XXXX, California. I will ask them to investigate how an account opened in my name disappeared from your system.Could their be other accounts opened. Did anyone internally delete this fraudulent account.? The state of California losses might be greater than just mine. Did your bank investigate? My records of the account existence will be Social Security records, XXXX, the IRS and the district attorney 's of XXXX XXXX, California. Let 's fine out who the judge believes or better yet let there be a jury to decide the amount of damages. XXXX XXXX dollars a day. Can you afford to pay your own lawyer fees, XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see my Complaint # XXXX of XXXX XXXX. The following information refers to an additional letter received from Bank of America, and your office may want to add it to my first complaint or else establish a new complaint. The reason is that I intended the complaint of XXXX to cover XXXX, but Bank of America apparently has separated my dispute of charges into XXXX cases, the first one with Bank America Case # XXXX concerning XXXX and the second XXXX received recently, as described below, with Bank America Case # XXXX concerning XXXX. As described in the enclosed copy of my faxed reply to Bank America 's recent XXXX letters dated XXXX, the XXXX paragraph describes some kind of activity after you put the original complaint in motion. However, Bank of America sent me XXXX letters re their Case # XXXX, XXXX requesting more information which I do not have and the second requesting that I choose XXXX " description of my situation '' as well as requesting my authorization to cancel my current credit card and let them issue a new XXXX. The enclosed copy of my fax indicates these facts that I ca n't provide more information requested in the first letter and that I will not authorize the cancellation/reissue move. With reference to my refusal to authorize the cancellation of my current credit card and issuance of a new card, I crossed out the authorization because it will not solve the dispute but it will have an adverse effect on my currently excellent credit rating. I believe that with this latest request Bank of America is now resorting to threats, which is simply reprehensible. Finally, as noted in my faxed reply to Bank of America, I was unable to learn who XXXX Customer Care Resolution is or who FIA Care Services is, but the message one gets upon dialing XXXX XXXX XXXX XXXX is that FIA Care Services is a debt collection company. I would appreciate your help with this additional turn of events since Bank of America has created this confusion and threat. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Denial : Unjustified Credit Denial by Barclay No legal justification for closing a credit card account : The account did not have any charges or missed payments or debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: My sister and me bought the house in XXXX in XXXX House ; XXXX, California under the XXXX XXXX XXXX XXXX. Unfortunately after paying all the bills up to XXXX XXXX, XXXX and after this we decided to foreclose the house due to financial problem. After the house was foreclosed the XXXX XXXX XXXX took over the house, which after this we do n't know what happened? We did n't receive any letter/notice from XXXX XXXX XXXX XXXX. 
We thought that we do n't owe any payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until I received the summons notice from Credit Bureau Associates. The address of the Credit Bureau Associates is XXXX XXXX XXXX in XXXX of XXXX, California XXXX. Their telephone number XXXX. The summon notice which I received was in year XXXX stating the amount of {$7500.00} which they want me to pay. Of course I do n't want to pay this amount so I went to the court in XXXX in XXXX, California but unluckily I loss the case. When I go over all the paper works from the Credit Bureau Associates and XXXX XXXX XXXX XXXX I found out that they did n't not send me any bill to the address where I am living since XXXX up to the present. If the XXXX XXXX XXXX XXXX send me a bill using my real address where I am living for almost 34 years ( my only address ) I would have take care of it but since they did n't send me the bill thus it went to debt collector agency XXXX Credit Bureau Associates XXXX year XXXX. 
That is why I am disputing it cause for me its not my fault but their fault of not even sending me a bill, first bill since we foreclose the house. I was just shocked when the Credit Bureau Associates summon notice. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called Grant & Weber and I told them I wanted to settle my debt which shows {$970.00} on my credit report, the agent started to tell me I was very irresponsible for not paying, told me I once called saying I was not going to pay anything and that my balance now was {$1500.00} that he was going to sue me and and at this point he was not going to give me a deal. He raised his voice and made me feel threatened and frustrated. I called to pay this debt and got insulted and treated really bad. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Aargon Collection Agency ( ACA ), is an unlicensed ( per state of The State of Georgia XXXX ) debt collector who has illegally accessed my credit report without my express consent, authorized signature or by court order. They have attempted to collect a debt without stating the amount, used unfair unconscionable means to collect or attempt to collect the alleged debt, used false representation or deceptive means to collect a debt or obtain information about a consumer. Please assist me with this debt collector with unscrupulous behavior. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was reported for late payment on a credit card payment, but never received a bill. I was in the process of moving within the same community in which I now live at the timethe billing would have been sent. 
And while I did not answer bank initiated Robo Calls, I became aware of an outstanding issue with the bank and immediately paid the balance in full. The total was aboutXXXXXXXX after late fees and interest. 
Bank of America reported me for being late and refused to recall the report. 
It is incredible that they spend so much money on advertising then anger thetheir own customers who, in turn, tell everyone possible what a bad customer-service oriented bank it is. 

Company response: Company chooses not to provide a public response
Consumer complaint: there is a report on Transunion XXXX that states XXXX. no other notes. I called XXXX and they stated they can not find anything on my account. Nothing that should have ever been reported. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently linked my Wells Fargo account to my XXXX account and then had a transaction that I did n't not have enough funds for in my XXXX account get submitted as an instant payment from my Wells Fargo account. I had no idea that adding my Bank account to my XXXX would automatically set the Bank account as a backup funding source for my XXXX account and so Wells Fargo then Charged me XXXX non-sufficient funds fees in the amount of XXXX $ and the original transactions that they never even paid were for a XXXX $ trasaction and abother for A XXXX $ TRANSACTION. I called and spoke to XXXX and they sent me a letter to send over to wells fargo explaining the situation to hopefully have the NSF fees removed off the account but Wells Fargo would n't accept the email I tried to send to them and would n't even speak to me about the fee 's over the phone at all so I now already paid the transactions that I did n't even know were going to be charged to my bank and now have a XXXX $ bill for Wells Fargo because they choose to charge me XXXX $ for less than a XXXX $ transaction that they never even paid is there any way to fight this I still have the email letter from XXXX regarding the incident as well if that helps at all! Please let me know thanks! 

Company response: Company chooses not to provide a public response
Consumer complaint: someone has used my information to open this account fraudulently from when my identity was stolen and this company continues to report this debt as mine when it is not .... I have filled out police report and identity theft affidavit in this matter and have had it notarized as to this account being fraudulent ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, We fell behind 3 payments to US Bank XX/XX/2014 shortly after XXXX. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of this year I purchased tickets for a show. I late discovered I could not go. I contacted the vendor requesting a refund. I received no answer. I then contacted citi and requested they dispute the charges. The show was subsequently cancelled. I provided this information to citi. Yet they still sided with the vendor. I paid for a show I did not attend. This is unfair and deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting phone calls from this company threatening all sorts of consequences, but I do NOT owe whatever they are calling about. 

Company response: Company believes the complaint is the result of a misunderstanding