AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I found these entries erroneously entered on my credit report. I disputed them will all XXXX credit bureaus and they were removed for lack of evidence to substantiate the debt. A few months later, they were back on my credit report and disputing it did not remove them. 

I believe this is from a security deposit that was paid through a third party vendor for my apartment at XXXX. If it was n't paid, I would not have been able to LIVE in the apartment I lived in. I know that the apartment was clean and did not have big cleaning needed to facilitate the use of any security deposit. 

First, I 've never received notification of an attempt to collect this debt. Second, there previously was n't enough information to substantiate the debt via all XXXX credit bureaus, so where did the proof come from? Even the apartment complex could n't provide me proof that any debt was owed. Lastly, I have never received any proof or communication from either the apartment complex or the third party collector attempting to collect this debt and negatively affecting my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I reached out to my credit card company, Citibank, for an issue in regards to a service I received. The issue was around dental service, the service was done inefficiently. I have documentation to support I had to get the tooth retreated because of the improper treatment of the tooth. I contacted the bank to show I had to have the surgery to retreat the tooth and highlighted the issues. They informed me since it was 60 days after the issue I could not do anything. I think this is unjust, because this is a dental issue, 60 days is not efficient for this sort of issue. If this was a product, but a dental issue is a different thing. This is an issue, I am sure numerous people have issues similar, Citibank needs to better in addressing these issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: SourceRM is calling 2-3 times a week, after having set a date to pay this in full. However, each time they call, they are derogatory and insulting in how they speak. Between all these calls they are harassing me at work and at home. Ive called and spoke to the manager as well. Ive set a date to pay this in full, of which is only XXXX however, they keep harrasing me every week. I will be paying this in full on the XXXX of XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX XXXX account application XXXXspelling wrong first name " XXXX '' address apt # wrong " XXXX '' hit my fido score on my credit report XX/XX/2015 sent letter XX/XX/2015 no reply. have never applied or contacted this bank. please help me!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank is still putting the large amount first. My funds were not low when I had a deposit came in which the money should not been charge but taken from my account. I told XXXX XXXX that I wanted my money back. The case number is XXXX. If I had not money in there to cover it, it would have been alright then. My money was in there the night it was pending so there should not have been an overdraft and this is how they get their money. I do n't agree with the bank response. I want my {$72.00} back and told XXXX XXXX that and she said that she would get back with me but never did. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a short sale process XX/XX/XXXX and had multiple offers on my home at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The bank responded to the first offer presented to them as being too low to meet the requirement. They sent me an appraisal with the minimum net offer amount. My realtor then presented them with a 2nd offer on XX/XX/XXXX after several attempts to get them to clarify the net amount. The net amount for the offer was {$120000.00} to begin the negotiation process. The offer was to expire on XX/XX/XXXX. We did not hear anything from the US Bank negotiator until XX/XX/XXXX with a request for bank statements from XXXX XXXX, a Default Resolution XXXX with US Bank. His request for my bank statements went thru my realtor, which I thought was strange. A realtor usually does not collect financial data on its clients. My realtor forwarded the request to me and I sent both XXXX XXXX and XXXX XXXX, who was then my relationship manager at US Bank my bank statements. XXXX sent a confirmation of receipt of my bank statements. However, I never heard back from XXXX XXXX about the offer presented to the bank on XX/XX/XXXX. As the offer expiration approached, my realtor XXXX XXXX and I made several attempts to get some sort of response from the bank. The very motivated buyer extended the offer to XX/XX/XXXX in hopes of getting a response from the bank due to an email received from XXXX XXXX on XXXX stating that the loan review was escalated to senior management and allow 2 weeks for XXXX to be contacted by the negotiator or another XXXX. We never got a response about the offer. The buyer and my realtor then walked away. I sent in a request for a deed-in-lieu of foreclosure on XXXX/XXXX/15 due to the banks failure to respond to offers. I also filed a complaint with their Default Complaints Escalation Center of US Bank Home Mortgage about the offer and the failure to respond to the offer in a timely manner XX/XX/XXXX. I did receive a response from the Default Complaints Escalation Center on XX/XX/XXXX, I received a letter referenced Loss Mitigation Summary Information that stated that my Short Sale was not approved because " We have yet to receive a sufficient short sale offer that meets program requirements. '' and DIL was " '' The application did not indicate interest in in pursuing a deed-in-lieu and therefore you were not reviewed '' and it did not mention that US Bank Home Mortgage failed to respond to my last purchase agreement which forced both the buyer and realtor to abandon the offer. 
I have since spoken with several staff at US Bank Home Mortgage who have acknowledged " dropping the ball ''. However, they have not repaired my credit, nor have they tried to do a " deed in lieu. '' The repeatly cover up their mistakes and deny any wrong doing on paper. I would like the bank to regulate short sales with big banks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech Financial LLC recently purchased my mortgage and I 've had many problems w/ them from the start. My 1st payment w/ ditech was due on XXXX/XXXX/2015. I tried to set up my online account w/ them but was unable to do so. I called and they said since my account was new I had to wait about 2 weeks in order to get a user name and password. Since I was within the 60 day transfer window I figured I 'd just wait until I could set up the online account and do an ACH transfer. I continued to get hounded by their collection dept all month. Now it 's around XXXX/XXXX/2015, I try to set up my online account and am told the service is down for some reason. Since I was still within the 60 day transfer window I told them I would make a double payment on XXXX/XXXX/2015. The rep at Ditech argued w/ me saying he 's never heard of a 60 day transfer window. The collection dept continued to call. I found it odd that they would call my workplace before calling my cellphone. I do n't want my co-workers thinking I 'm some sort of deadbeat. 

So I finally get registered online w a user name and password. I went to set up an ACH transfer and the website did not allow me to do it. So I had to call in to Ditech. I was supposed to make 2 payment for a total of {$2900.00}. Ditech tried pulling out {$2900.00} three times which resulted in overdraft fees, lots of phone calls, and lots of irritation. When I set up the ACH transfer on the phone i was told I would not be charged to {$12.00} convenience fee, but I was actually charged it twice. They said they would refund the overdraft fees and the convenience fees but I have n't seen it yet, going on close to a week. 

According to Ditech my account is past due, not sure what this is doing to my credit score ... 

Ditech seems to be an aggressive debt collector and not a mortgage servicer ... 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I usually check my credit score with my credit card companies such as XXXX card, XXXX XXXX, and XXXX banking. My discrepancy is with Experian. I had an credit score with that Co.. of XXXX. That was a month ago. I have had no major changes to my credit, ... and have never been late, ... .but my credit score has dropped XXXX points and the company Experian won '' t give me a substantial reason as to why? I have had credit for over 20 years and have never gone over half my credit limit or come close to maxing any cards. Would you please look into this and give me a reasonable explanation? I understand that Experian was hacked not too long ago, ... .could this have any bearing as to why my score dropped XXXX points in a months time.? from XXXX to a XXXX? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a joint account at Bank of America with my husband. My husband also had a joint account at Bank of America with his son that was opened when his son was a minor and needed a parent/guardian on the account. His name had never been removed from their joint account although his son is now an adult and no longer resides at our residence. My husbands ' son 's account was apparently overdrawn and they withdrew funds from my and my husbands joint checking AND savings account and placed them in his son 's overdrawn account without permission or knowledge from either myself or my husband. My husband did, on the day we discovered the withdrawal, close the joint account as the Bank would not remove his name from the account without his son being present and we were not able to reach him. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never lived in North Carolina 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: CDI of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX sent a collection notice to XXXX XXXX on XXXX/XXXX/2015 for alleged unpaid medical payments. This notice was void of any mandatory FDCPA language on the notice. Furthermore, not only is the alleged debt over 7 years old ( SOL in TX is 4 years ) but more disturbing XXXX XXXX has been dead for over 2 years. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Wellsfargo seized my home in XXXX as it was reported to me on XXXX XXXX they claim it was abandoned though I XXXX utilities and lawn service my mortgage is CURRENT just yesterday they sent a locksmith who gave my son new keys and they proceeded to trespass on my property and take photographs of my property in essence they changed my locks left my garage door unlocked spray painted my garage door with a house number that is not mine entered into my home attached a log on my wall with a different address listed on it signed in to the log all the while my mortgage is current and without contacted me I hope you can help or direct me to someone who can 

Company response: Company chooses not to provide a public response
Consumer complaint: My father recently granted me Uniform Statutory Form Power of Attorney, California Probate Code Section 4401, noting further within the Power of Attorney Document that I " shall have the power to act on my behalf in my capacity as Trustee/Trustor of The XXXX Family Trust Dated XXXX XXXX, XXXX '' While this document was immediately honored by XXXX XXXX XXXX with whom my father also banks, CITIBANK has refused to do so. Instead, they have cited the need to have my father personally enter the branch and fill -- out additional forms that I believe to be exclusive to CITIBANK and wholly unnecessary if not illegal. My Father is away until XXXX XXXX and it is therefore impossible for him to appear. 

Currently my father has XXXX separate checking accounts with CITI BANK ; a joint checking account with my mother who is deceased and an account in the name of the family trust. I have placed several phone calls with XXXX separate branches in an effort to resolve this matter but to no avail. Moreover, I have been denied access to speak directly to the CITIBANK 'S legal department and have been, instead, directed to speak only to branch officials. 

I would like to know under what authority does CITIBANK have the right to act in this manner and why XXXX institution, in this case XXXX XXXX XXXX, had no issues with power of attorney while CITIBANK continues to put forth obstacles for granting my father 's wishes. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, I applied for a Home Equity Loan through BMO Harris. At the start of the process I was told it would take four weeks and close on XXXX XXXX, 2015. Then I was told due to the CFPB guidelines that it would be closed before XXXX XXXX ( " Unfortunately, it is a little frustrating for customers and myself, because the process is taking a little longer than normal due to new CFPB regulations ( Consumer Financial Protection Bureau ). I apologize for the length of time it has taken to process the loan '' ). The loan was not cleared to close until XXXX XXXX, at which I signed the documents. It is now XXXX XXXX and the funds have still not been released. I have spoke with BMO and have been told that the CFPB allows them to begin processing the loan and releasing the funds after 4 business days from the signing of the loan documents. Now where is this stated on the CFPB 's website. I would like a clear understanding and thorough investigation into the practices of BMO Harris. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card through Citizens Bank with a payment due date of th the XXXX of each month. Since XXXX 2015, I submitted my payment at the a branch location on or before the due date. However, the bank assessed a late fee for the following months : XXXX, XXXX, XXXX, and XXXX, on the actual due date. A day or two later, the late fee was taken off my account, but XXXX wonders if the bank is collecting any type of interest for the day or XXXX that it assessed the fee. 
Furthermore, the payment is clearly due " on or before XXXX. 
on the XXXX, '' which begs the question as to why the bank is assessing a late fee on the due date? I feel that the bank is assessing late fees on accounts that are not actually late and is benefitting by having the day or XXXX to accrue interest or other monetary gains on accounts that are are not truly late or in arrears. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased a property XX/XX/XXXX in XXXX, NC. Our mortgage was sold to SunTrust Mortgage. They accepted our flood insurance last year but this year for the renewal they will not pay the premiums out of our escrow. They stated that the insurance is not backed by National Flood Program. Our property is in a XXXX Resource Area and federal flood insurance is not available. We have asked several insurance companies, banks, homeowners association officers and no one has ever experienced this. In addition, we became aware of a NC state law ( Biggert-Waters Flood Insurance Reform Act of XX/XX/XXXX ), which basically states that our lender MUST accept the insurance we have through Sterling Surplus. Yet SunTrust still refuses to accept and pay. 
We want SunTrust Mortgage to pay the premiums out of our escrow and accept our insurance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been approved by Sebonic financial to purchase a home as my primary residential and based on the lender 's requirements I started searching and made an offer on a home, the offer got accepted and we have inspection contingency removed now after 19 days they first asked me for {$470.00} for appraisal fee, after paying the appraisal fee they came up with a new requirement to provide 6 months of reserves of payment while they were aware of all my bank accounts and assets from the very beginning of pre approval process and they knew I can not provide 6 months of reserves. Now they disapproved my loan causing me to lose other opportunities on other homes, and spending {$1000.00} on inspection and appraisal. 
I can say they were underestimating every piece of information at the beginning to just make us proceed the work with them. Fortunately I have all the emails and documents they have sent me which show they were not providing the correct information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a credit card with citicards about a year In XXXX 2015 a XXXX charge appeared on my statement. I had already been billed by XXXX under auto payment but this was for a different amount of {$100.00}. I disputed the charge and started the lengthy process to get it removed. The next two months the same type of bogus charge but for a different amount appeared. It took months to try to resolve it but citi finally acknowledged it was their error and the charges were dropped. I was so fed up with their handling of the matter that I quit using the card in XXXX and paid off the amount they said I owed. Unfortunately I had charged some slacks to my account that were not what I ordered and I had to dispute that charge. This charge for either {$63.00} or XXXX which varies from XXXX email to another. I am still disputing the charge and received a letter from XXXX in XXXX XXXX SD dated XXXX although I didnt get it until earlier this month. The letter stated that a correction would appear on my statement within XXXX billing period and they had corrected my account for any interest charges and fees. They added late fees to my account and they are still on the account, increasing my supposed amount due to about {$150.00}. I have had a succession of disputed charges from citi, XXXX are now resolved with removal from my account. This most recent one goes on and on. They have now gone so far as to list the charge in my credit report which has lowered my credit score from XXXX to between XXXX to XXXX. I would like to have this account cleared and my credit score back to where it should be. Thanks for your assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi have an unsecured line of credit with Santander Bank. I also have XXXX checking accounts, a savings account for my son, and my HELOC with Santander bank. I use the unsecured line of {$5000.00} as my overdraft protection account. The interest rate on that account is aggressive, but it does n't bother me because I do not keep an open balance on there for long. In fact, I transfer money over very quickly and the check daily for any additional interest that may be tabbed to that account so I can pay it off. However, the account is set up incorrectly. The online interest balance does not match what is printed on the paper statements I receive in the mail. When I pay the interest online, it is not credited against the interest due somewhere in the account, and I am then billed for interest in a paper statement. However, the balance online is reported as zero. I have called about this numerous times. They tell me the online account reporting does not reflect everything and I have to rely on the paper statements. However, I pay everything online, so I continue to transfer money over to that account, but it is not peroperly reflected anywhere. I have asked for a transcript of this account for the last 2 years, but they will not give me XXXX. I have hiked my complaints all the way up to the main office, but they tell me I need to call customer service. I have put everything in writing but they seem to not understand. I most recently was reported for 60 days late for {$7.00} this past XXXX and XXXX. I used money from this account and paid it back the same week and the next week. I then paid interest the following week. The balance showed XXXX once I paid, and I do not know why they would hand bill me for {$7.00} interest but not report it as interest due online for 60 days. This is very frustrating. I have perfect credit and am never late on any accounts. This small account has caused a great deal of problems for me and is negatively reported on my credit report now. I am not getting any cooperation from this bank. I have had my main checking account for XXXX years, and I do not appreciate being ignored when I point out a legitimate issue with the setup and billing on this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Signed up with Park View Credit to repair credit on XXXX XXXX, 2015. As of XXXX XXXX, 2015, they have not done anything. I was told by XXXX XXXX that the {$59.00} XXXX fee to pull credit ) would be deducted from fee of services. The price that I was given by XXXX did not include a deduction of the {$59.00}. XXXX XXXX said it would take 45 days but, as of XXXX/XXXX/2015, they have not done anything. This company has received {$400.00} and have failed to do what their contract states. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This phone number ( XXXX ) XXXX belongs to Mountain Land Collection Agency in XXXX, Utah keeps calling me several times a week for over a month. It is a recording wanting me to call a number if it is not me or XXXX if it is me. They are asking for me by my first name and middle initial only saying it as through it is just my first name. I am unaware of any debt, do n't I need to be contacted by a company that thinks I owe them something first? I am fearful of calling back to find out what this is about, do n't want to be billed for a fraudulent call. this is a form of harassment! They leave embarrassing massages on my answering machine for my clients and friends to hear, it is ruining my business and my reputation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo offered {$100.00} for opening an everyday checking account by XXXX XXXX and fulfilling certain requirements ( XXXX debit card purchases or a total of {$500.00} in direct deposits received within 60 days ). Wells Fargo is now telling me I am not eligible for this promotion, saying it ended XXXX XXXX, which is not true. They have since removed the offer from their website, but the offer code was XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a customer of citi cards for some years now, I have paid them on time, and above the minimum amount due., I received XXXX, statement, and paid {$600.00}, I never received XXXX statement, and on XXXX XXXX got a statement for XXXX, with past due charges, and they raised my minimum due to {$990.00} dollars, previous, it had been {$470.00}, When I called customer service, I had to get a supervisor to remove late charges and was told by supervisor that they are not responsible to send a statement out, that it is my responsibility to pay regardless, if I receive a statement or not. they blamed the post office, they said i should have received a call, which i did not! they had an email address that was 2 years old, so i guess i have been paying all along. They employ poor business practices, do n't care about customer, they should be fined for these poor practices. 
I bet i 'm not the only one this has happened to. 
and according to them they have no responsibility but to collect monies, 

Company response: Company chooses not to provide a public response