AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We took out a mortgage loan on our home with Regions Bank. Our home was paid for. We made every payment on time. XX/XX/2014, Our XXXX great-grandchildren came to live with us. After XXXX, we were hurting for money. I saw on line that there was help with problems in a resolution type thing with Regions. I called the number and spoke with XXXX XXXX in the mortgage dept. After explaining the problem, He said he could help. He mailed the paperwork for us to fill out. A payment was due and I asked what to do. He told me NOT to make the payment!! Even saying that might clear up my problem and let me use that money to catch up. He said it should take around 30 days to process the request. When the 30 days were almost up, I called XXXX again to see about the next payment and he said not to pay that it should be resolved soon. He did say it would go against our credit rating, but would be okay once it was settled. Our request was denied by Regions because we made too much from XXXX. The very next week, XXXX called me and asked when were going to catch up the payments and denied telling me not to make them. I have called and spoken to XXXX, to his supervisor and his manager. They say none of the calls were recorded and therefore, I have no proof. I do n't know what to do. I am XXXX and my husband is XXXX, all we have coming in is our XXXX. We have XXXX of our great grandchildren still. We have listed our home for sale and I 've told the bank that 's all I know to do!! We have NO extra money. The bank calls every 2 or 3 days to tell me if I miss one more payment, they will have to foreclose!! We ca n't get a loan or anything now because those two payments missed are on our credit report. 
PLEASE HELP US I do n't know where else to turn. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I deposited my paycheck and another check at a US Bank branch inside a XXXX on XXXX XXXX in XXXX, CA. I asked the teller to deposit {$500.00} of the $ XXXX deposit into my savings account. He, instead, transferred out of my account {$500.00} into my secured credit cards savings account. This did not result in an increased limit on my credit card. The money was tied up in an account that I had no access to for 5 days. It was finally corrected on XX/XX/XXXX when the branch ( after many hours and managers in the US Bank customer service line ) finally released the funds and transferred them into my checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had cell phone service through XXXX, I had to cancel my contract early due to military XXXX that were taking me XXXX. I called on numerous occassions to get the account cancelled out and then about 6 months later I got an alert on my credit report saying that XXXX XXXX XXXX had sent my account to collections for an unpaid bill. After numerous conversations back in XXXX of 2015 they finally got everything squared away and found out they actually owed me a refund. So they sent me a mail in the check and said that they would take care of the collection agency. Well now it is XXXX 2015 and now a different collection agency is reporting that I owe XXXX money so I contacted XXXX XXXX XXXX and they stated my account is closed out and paid so they are not sure why they are reporting me for collections. Attached is an email from XXXX stated that I was being refunded and the other attachment is the collection agency XXXX XXXX XXXX, which is the account linked to the XXXX account in question. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan for {$2600.00} on XXXX XXXX, 2012. I paid a total of {$6100.00} to Cashcall for this loan. However, the terms of the loan were misrepresented to me. The APR was 139.12 % daily which would mean that I owed a total of {$14000.00} for the {$2600.00} loan. I would not agree to that if the terms where clearly listed and explained. They later reduced the interest to 6 % daily and now they claim I still owe {$2000.00}. I do not believe I owe this balance. Payday loans are illegal in Pennsylvania also I have already paid back the loan plus a reasonable interest rate on the loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had problems with Round Point since the beginning. They are very difficult to get ahold of and it takes 2-21/2 hours to get any answers if I even get them. I closed on my house on XXXX XXXX, 2015. Upon the Title Company requesting the payoff which they did not receive, I called to get it and it took hours on the phone with them to finally get it. They calculated my interest for the entire month when we closed on XXXX XXXX. I have the proof that I will attach that they received the payoff. Since the closing they are calling me several times demanding a house payment. I have explained to them that the house is sold but they still call and demand claiming they did not receive a payoff. They refuse to give me the interest back XX/XX/XXXX thru the end of the month and refuse to refund my escrow balance as well. In turn I can not cancel my home owners insurance since they are still showing a lien on the property. Can you please help with this situation? 
I will be attaching several documents to show that the house has closed and the mortgage is paid in full. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion still has a XXXX XXXX XXXX collection on my credit report with them. This collection was part of a divorce and the legal documents were given to XXXX XXXX XXXX as well as the collection agency who reported it on my credit. The collection and balance has been cleared out with XXXX XXXX XXXX and has actually been completely removed from my XXXX credit reports, however, TransUnion is still showing this collection on my Credit report. I have sent supporting documentation to TransUnion about this issue as well as they can see where it has been removed from the other credit bureaus. XXXX XXXX XXXX shows a {$0.00} balance. This is n't a " paid '' collection but a " removed '' collection. The amount of the collection is {$570.00}. This amount needs to be removed completely and my credit score needs to reflect that. THIS IS NOT A DISPUTE! This collection is my Ex Wife 's responsibility and XXXX XXXX XXXX removed that collection because they were given the proper legal documents to do so. The collection just somehow slipped through the cracks with TransUnion and needs to be removed. 
Also, The XXXX XXXX account for {$1100.00} has in the comments, " consumer disputes this account '' please remove that comment and any comment that says I dispute the XXXX XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: refer to CFPB case # XXXX XXXX - Suntrust removed disputed mortgage lates reporting. Supporting documentation was provided to support error. Please remove SunTrust Mortgage late. 

Company response: Company chooses not to provide a public response
Consumer complaint: They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: RE : XXXXXXXXThere is a real problem with your system because CFPB does not provide any means to communicate with the agency for an ongoing complaint. This is a response regarding a communication from Wells Fargo for the above referenced complaint. 

Wells Fargo is once again lying by stating that it has not been able to contact me. In fact, I spoke with their representative on XXXX occasions since filing the complaint and have been in constant contact with the single point of contact. In the conversation with their executive office representative, he indicated that he could do nothing but review documents from the modification. They refuse to do anything to address their years long refusal to refinance this XXXX mortgage and repeated attempt to force me into short selling my home even when the XXXX mortgage is current and the owner of that mortgage has no interest in foreclosure. 

Someone from CFPB needs to actually step in here as this has been going on now for over a year. I have yet to see the agency do anything more than pass complaints on to Wells Fargo. Where is the consumer protection here? 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for the Citi XXXX XXXX credit card with the agreement that if I spent {$1000.00} in the first three months I would be awarded XXXX bonus miles. I met that obligation and was awarded the points on XXXX/XXXX/15, however Cti sent those to account that was not mine and have refused to correct it saying I needed to go to XXXX XXXX to correct. XXXX told me that Citi needs to correct their error as they can not link my account to the account the miles were sen to. I gave Citi the correct fredquent flier number when i signed up for the card. In my latest attempt with Citi to correct this I was told they again sent it to XXXX and I would have to wait 30 days for a response. It has been almost two months since I was awarded the point but have failed to be credited to me. I expect the XXXX point I earned to be credited to my correct account : XXXX. I also expect Citi to make sure than any other miles I have earned are also credited appropriatly. 

Company response: Company chooses not to provide a public response
Consumer complaint: My job relocated from XXXX to XXXX. In order to keep my position I accepted the new relocation. I contacted a law firm to assist me with a short sale. I could no longer afford to maintain a mortgage payment and rent at my new location. I sent monthly bank statements and check stubs to the lender to show that my income could not maintain the monthly mortgage payments. I obtained a relator to place my home on the market and received an purchase offer. GreenTree mortgage company drag this process over a year and decided not to agree with a short sale. Green Tree mortgage agent told the law firm that I went to XXXX to often and I could meet my monthly obligation. Green Tree mortgage were unwilling to work with me and drag this process for over a year. I wanted to meet my obligation but I could no longer afford this payment and meet my daily needs. I was trying to maintain my good credit standing by doing a short sale. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted complaint on Wells Fargo. It seems like the only difference is Wells Fargo continues their deceptive practices right under this agencies nose. I have been sending the same documents to them for close to 5 years now, to no avail. It is obvious to me that no one is going to dig deep enough to expose their deceptive practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed a deposit on my bank account for {$500.00} from Radiant XXXX that I did not apply for. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The mortgage service company has been doing my annual escrow analysis incorrectly for the past two years ( XX/XX/XXXX and XX/XX/XXXX ). They do the analysis in XX/XX/XXXX, a month before my county and city taxes are posted on my county 's website. As a result, their numbers ( and dates ) are incorrect, leading to incorrect shortages, which translate to higher monthly payments. XX/XX/XXXX, it took several months to resolve this. It is now happening again XX/XX/XXXX. I received my escrow analysis dated XX/XX/XXXX and have been trying to resolve for over two months now, and it is still not correct. I have provided copies of both my county and city taxes with correct amounts and due dates, and I have still not received a printed revised escrow analysis to prove that they have made the changes and correctly recomputed my escrow payments. As a result, the incorrect monthly amount was due XX/XX/XXXX ( today is XX/XX/XXXX ), and I was forced to make a payment to avoid late charges although the issue has not been resolved. For the past month, I have been working exclusively with XXXX XXXX, a customer service rep, who is trying to help resolve this. He informed me ( for the first time ), that I could also request that the shortage be spread over 24 months instead of 12, so I submitted a request to have that done as part of the escrow re-analysis. I am still waiting for both of these changes to be incorporated into a revised escrow analysis, in writing, that proves they are using the correct tax amounts and the correct due dates. This is the most challenging mortgage servicing company I have ever dealt with ( I have owned XXXX properties serviced by multiple companies in the past 20 years ), and I do n't have time to go through this every year as I have for these past two years. Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: We want to file a complaint against our Mortgage Company. Bank of America who purchased our mortgage and Equity loan from XXXX, which I think is a predatory loan. I was forced from my Job XXXX causing our income to be cut in half. Because we were not behind, we went through office after office with Bank of America overnighting fax after fax from a fax in a Bank of America office. It confirmed receipt and they said they did not receive. I talked to people in BOA XXXX.They still offered no help because we were current and have stayed current. Instead they recently raised our payments Our house dropped in value from {$450000.00} to {$190000.00} during this time and they still would not do anything to help. For 10 years they have have credited our mortgage payments to the interest rate 6 % and not to the mortgage. Now they have increased our payment on the Mortgage to {$1800.00} and doubled our payment on the equity loan. We need help to keep our home. We have no other home and I do not want to live on the street XXXX. We are still not behind on our loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have established my credit over the last eight years and settle are open and confirm debits with all my creditors. However, I keep getting random collection letters from various companies claiming I owe some other company I have never down business with money. In this instance the company CAC ( Commercial Acceptance Company ) is claiming I owe a bank named XXXX XXXX in the amount of {$250.00}. I have never had a banking relationship with this bank or its subsidiaries. This collection agency does not provide any proof of debit or that they have the correct party, nor do they offer federally required disclosures with the notices they send. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to obtain FREE credit report via 'www.annualcreditreport.com '. I elected to get my current report from TRANSUNION. However, when I submitted my personal information I was directed to a screen on my computer that would not let me proceed until I signed up for their 'credit score ' ( for {$1.00} ) and a membership for credit monitoring in which they would bill me monthly for this service. There was no way around this, so I was forced to request my FREE annual credit report from XXXX of the other XXXX companies. TRANSUNION is pulling a scam. Why is n't something being done about this?? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I signed a contract with XXXX to rent a car through XXXX/XXXX/15. Due to XXXX bad service and after my complaint, their manager XXXX XXXX agreed to charge me for a total amount of {$120.00} as a good will gesture ( see contract and XXXX business card attached ). I paid for the transaction using my Bank of America VISA card. On XXXX/XXXX/15 I returned the car to XXXX in accordance of the contract. On XXXX/XXXX/15 I was surprised to find out Bank of America VISA showed a charge of {$150.00} from XXXX and so I disputed it. In response to my dispute Bank of America issued me a temporary credit of {$31.00} representing the difference between {$150.00} and {$120.00} on XXXX/XXXX/15. Subsequently on XXXX/XXXX/15 Bank of America informed me that XXXX initiated a claim for {$31.00} and asked me to provide evidence to support my dispute. Next day on XXXX/XXXX/15 I provided Bank of America Credit Card Claims department attachment copies of my contract with XXXX as well as my email to XXXX manager XXXX ( see attachment ). In response to the attachments I sent, I received an email on XXXX/XXXX/15 from XXXX XXXX, Resolution Specialist, Bank of America , XXXX Customer Care Resolution stating quote " I am your dedicated point of contact until this matter is resolved. '' unquote. However on XXXX/XXXX/15 Bank of America rebilled my account for {$31.00} citing quote " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount '' unquote. From XXXX/XXXX/15 up to yesterday I sent a number of emails to Bank of America asking them to explain to me what happened to the attachments I sent them to support my dispute and they kept on saying I can call their XXXX ( toll free ) or XXXX ( collect call ) numbers for help. I told them I am not in the US now and I do n't have a land line to make collect calls either. I suggested they call me instead but they refused. The copy of my XXXX receipt, which was signed by me and their manager XXXX, clearly shows that the total amount agreed upon is {$120.00}. I am getting no where with Bank of America and so I decided to file this complaint with you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Malcolm S Gerald & Associates XXXX has been repeatedly calling me from the number XXXX XXXX XXXX. They keep asking for Date of Birth, without even specify purpose of the desired call. It is very annoying for repeatedly being contacted with no specific reason. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had an offer on our house and requested payoff from DiTech on XXXX XXXX, 2015. DiTech advised us that there would be a 5 day waiting period but it has been 11 days and every time we call they tell us the request is past due but being looked at. They will not tell us the problem only that there is something wrong on the back end. We have requested payoff in the past with no issues. Now the buyer ( who has cash ) is getting worried and is starting to want to back out. I do not want to lose this offer but we are at our wits end with the mortgage company. I have spoken with numerous supervisors but no one will give me a straight answer but do offer to call back. No Calls. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Experian has been delivered XXXX deletion requests XXXX, XXXX being with XXXX # XXXX for an improper collection. I 've also submitted documentation showing the previous lawsuit against the collector and outcome of them agreeing to delete. 

I was told the investigation department was going to contact me within 5 days. This did not happen. When I contacted Experian again 7 days later, I was told they had n't investigated this yet. I was also told I could not speak with a supervisor and was also given a non-working number to contact after the representative refused to assist further. 

Now, with proper documentation, a binding agreement to delete, and XXXX NUMBERS requesting deletion, it 's now clear that Experian is now ( and has been for some time as the first request was filed in XXXX 2015 XXXX violating the FDCPA 15 USC 1692e. 

The only logical recourse now is immediate deletion. If this is unacceptable, I have already spoken with my attorney and we will pursue action against Experian as this has cause both monetary and reputation damage to myself as well as an immense amount of emotional stress and difficulty. 

Company response: Company chooses not to provide a public response
Consumer complaint: i was a victim of scam which many times i have addressed issue to cfpb regarding both XXXX XXXX XXXX and wells fargo bank who refuse to cooperate to recover my loss the loss i suffered and still not willing to cooperate to resolve issue matter of my scam and my recovery of loss i suffered through the scam i suffered. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently, I needed to make a payment for my teaching course certification fee. I checked my available balance in my Wells Fargo checking account and noted I needed to transfer {$9.00} from my savings account to my checkings account to make my payment of {$600.00} without going into over draft. After the money was deducted from my account based on the available balance at the time, Wells Fargo charged me an over draft fee. The only reason I can find to explain is, is that the available balance displayed to me online was not accurate at the time of transfer and the currency conversion fee at the time had shown up as deducted but was not actually deducted from the funds actually available to me at the time. I have tried contacting my branch manager about this issue through phone and email several times at an inconvenience as I live XXXX currently and can not physically go into the branch to resolve this issue. Additionally, the automated overdraft protection service took the remaining money from my savings and transferred it to my checking account to compensate for the overdraft ; there still was not enough money to cover the amount over drafted, so I was charged the overdraft fee. Now after being guaranteed I would not be charged monthly service fees on my checking or savings account, Wells Fargo has charged a $ 5 monthly savings account fee. Essentially, both accounts have a negative balance and I have been unable to resolve this issue because of the unresponsive and uncooperative attitude on behalf of the bank manager at Wells Fargo. I would like to resolve this issue as soon as possible and have my requests met as I was not in the wrong as a consumer and Wells Fargo has been misleading and refusing to communicate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail! 

Company response: Company chooses not to provide a public response