AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX is harassing me to pay a debt that happened in 2006. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Med 1 SolutionsSolutions retaliated against me for filing a CFPB BY SENDING Two MORE Bills on my credit report SENDING THEM TO ME. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've had a loan with XXXX since XX/XX/XXXX and have paid every month on time. On my credit reports XXXX is reporting no payments from XX/XX/XXXX to XX/XX/XXXX. I have called and written them and they wo n't change the reporting. They say they ca n't report my payments because I was in Bankruptcy. That does n't prevent them now from reporting the on time payments I made every month. I know during a bankruptcy creditors ca n't try to collect but this issue is nothing like that. I paid on time and the credit reporting should reflect that. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank Lost my checking account and statements. I need 2 years XXXX XXXX ) of monthly statements and they assert the checking account does not exist and they can not find the account. this could result in a potential {$20000.00} tax liability XXXX and need to amend my tax returns but without that information I can not deduct my XXXX expenses. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the past couple months we were notified by our mortgage company of increased mortgage payments to be paid right away due to the lack of calculation on their part in our property taxes that resulted to delinquent taxes they they just paid to the accessors office. Now they are penalizing us by tremendously increasing our mortgage payment not once but XXXX in the last 2 months. Our regular mortgage that we been paying for the past 3 years is in the amount of {$1900.00} which was last paid XXXX XXXX, 2015. The first increased payment was paid in the amount of {$2600.00} on XXXX XXXX, 2015. We called Pacific Union Financial numerous of times trying to find out why our payment had increased, which i was not getting anywhere with their reps and left a message for a tax specialist within their dept to call me. This past weekend we received ANOTHER mortgage statement of an huge increasement in the amount of {$3500.00} to start on XXXX XXXX, 2015. We spoke to a manager and they gave us two options that we do not agree with and those options were to spread the shortage amount in 24 months which will low our monthly mortgage to XXXX a month, which we still can not afford. Second option, is to redo our loan and start over, in which we disagreed to that as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2015 I called Santander bank and received information about opening a checking and savings account. They told me to come into the bank and I could open an account the same day. I brought all my necessary documents and filled out the paper they provided me with. They asked me if I wanted to make a deposit to my new account and in turn I gave {$130.00} cash. After taking my money I was then given a receipt with a business card stapled to it and told to call tomorrow to receive an account number. 
I was stunned by this because I was hoping to receive my account information that same day. I was also confused as to where my money would be going if there was no account information provided? I just went along with it because I had never done banking with this bank before and I was unaware of their practices. 

Today I called the business card stapled to my receipt as I was told to do and I was then told to call back in a couple hours, that the branch manager was working on my account. I got frustrated and called Santander customer service and they informed me that it was not standard practice to take a customers money without providing them with an account number. They also said the branch manager would contact me but i requested to be transferred. When speaking to the branch manager I was told I could not be allowed an account and she provided me with no reasons. I was very confused by this. The branch manager was beyond rude even raising her voice at me. Aside from that I was just frustrated that she was asking me to come and pick up the money. I told her I was moving today and she said with an attitude well we will just mail you a check. 
My compliant is really about them taking the money in the first place. I 'm a social worker so I do n't know about the rules and regulations that banks need to adhere to, but I believe they should n't be able to take someones money without first approving the account and also providing that customer with an account number. 
I work really hard for the modest salary I 'm paid and now because I 'm moving and ca n't make it back to that branch I 'll have to wait for check to be mailed to me. 

I 've never in my life had to file a complaint but I am willing to do this today in hopes that it will not happen to someone else. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in the HAMP modification starting XX/XX/XXXX. Part of the program involves the issuance of incentive payments to the borrower. XX/XX/XXXX, the department of treasury issued a new bonus incentive program for borrowers who had successfully remained in the program for 6 years. [ Treasury Supplemental Directive 15-01 provides that borrowers with GSE HAMP Loans are eligible to earn a {$5000.00} pay for performance incentive as of the sixth anniversary of the HAMP trial period plan effective date ( Sixth Anniversary Date ) ]. The servicers were required to notify borrowers of their eligibility for this bonus within 120 to 60 days of their anniversary date. The problem is that Greentree/Ditech sent me a letter dated XX/XX/XXXX that was received XX/XX/XXXX, less than 30 days before my anniversary date. Prior to the receipt of this letter, around XX/XX/XXXX, I had called Greentree/Ditech and asked them if their were any incentive payments due on my account. I was told " No ''. Based on that information I proceeded to close on a refinance that funded on XX/XX/XXXX. I 'm now being told that I 'm no longer eligible for the incentive bonus because of that refinance that could have been avoided if Greentree/Ditech had fulfilled their obligation to inform me of my rights in a timely fashion as was their duty. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sent notice offering option to pay online. Input all information but site would not accept payment. Tried 3 times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company XXXX XXXX , XXXX in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: False advertisement, deceiving and unfair business practices demonstrated by Bank of America. I intended to use balance transfer checks that I have been receiving as " as special offer '' from Bank of America. In order to use the transfer checks and transfer higher paying interest to a new lower interest credit I made a large payment to the BofA account ( XXXX ). That would allow enough limit in the credit for the transfer and to have a lower credit interest overall. Just after the payment was made, aprox. XXXX days later, I receive a letter indicating that my credit line was cut by more than 50 %. This is credit I already had no new credit I was applying for. BofA action prevented me using the transfer checks and not being able to take advantage of the advertised offer and lower my overall interest rate. I am very angry because I could have use the large payment I made to BofA ( {$16000.00} ) for other things and keep paying as I usually do. I must mention that we had this credit card for around 30 years. I could have used the money to lower other payments. Their action just not only sabotaged the balance transfer, but also, for the credit bureau, it reported the card as over 95 % use thus decreasing the my overall credit score. This action from BofA was totally deceiving, arbitrary, unfair and also, damaging. 

Company response: Company chooses not to provide a public response
Consumer complaint: I told Idaho Collection Bureau I could make $ 25 monthly payments at the time and we would revisit an amount in XXXX. They automatically set payment to {$50.00} with out the revisit. When I called XXXX to inform her I was not able to pay that amount she said I said, I said I could. I never said that. I told her I cant pay that amount and she it needs to be raised at the amount that is in there office. I said thank you and she hung up on me. I did not make that payment arrangement or agree to {$50.00} payments 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: A company named IQ Data has been attempting to collect {$150.00} from me for money they claim I owed to an apartment complex at which I lived in XXXX, TX when I was XXXX. Neither this company, nor anyone else, has been able to explain to me why I owe this money. Instead, when the debt collectors call, they simply state that they do not have to tell me why I owe money because it 's in collection. When I contested the collection with the credit bureaus, XXXX immediately took the charge off. Subsequently, IQ Data then falsely reported to XXXX that the debt was paid in full, which leaves the collection on my record but gets the credit reporting agency to stop investigating. When I contested the charge with XXXX XXXX, IQ Data reported to them that it 's still a collection account. IQ Data still continues to call and demand the money, asserting that they do not have to tell me why I owe money and that they do not know what it 's for. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In XXXX my mortgage was sold from XXXX to Green Tree Servicing. In XXXX, my homeowners insurance was cancelled because GreenTree made the payment late. " It crossed in the mail. '' In XXXX, I received a check for escrow overage. On XXXX XXXX, I received a notice of delinquent taxes from my county treasurer. I called the County Treasurer on XXXX XXXX, they indicated to me that the XXXX tax payment had not been made and the XXXX tax payment was applied to the delinquent XXXX payment. I called Green Tree Tax department immediately after I hung up with the County. The Tax Department had me fax over the delinquency notice and they would " research '' the case, which would take 2 weeks and they would get back to me. To date, I have yet to hear from Green Tree. Furthermore, when I asked what to do with the escrow overage check, the Tax Dept. told me that it was n't their dept. and I would have to contact customer service. Customer Service advised me to return the escrow check to be credited back to my account. To date, I do n't know if this money has been credited back to my escrow account ; I asked for an email or a phone call to confirm this. Finally, my escrow overage is {$400.00} less than my delinquent tax bill. I have written a letter to Green Tree outlining my dissatisfaction with this situation, their customer service and what I would consider resolution. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, Machol and Johannes, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars XXXX, they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with World Finance had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. Comenity who is now working with XXXX are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX Experian XXXX. I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX Jewelers not included. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I were directed to Prime Lending located in XXXX XXXX, Florida via XXXX XXXX XXXX. We were pre-approved for our new construction home for approximately {$490000.00} by XXXX XXXX. We signed our contract, obtained all documentation that she requested and again were told that everything was on track for a late XX/XX/XXXX closing. A stipulation win prime lending was that we were required to sell our home. We placed our home on the market and accepted an offer within one day. We pushed closing out approximately two months and finally closed on our home XX/XX/XXXX. One thing that we made very clear to XXXX XXXX was that we want to ensure that there would be no stipulation or reason that we would not be able to obtain a mortgage for our new home. She assured us over and over again that things were fine. We had agreed to place 20 % down on our new home. We disclosed at the start of this process that I had a short sale in XX/XX/XXXX. My husband and I were both very skeptical in the beginning because we had done our research and many lenders stated that we had to wait XXXX years for FHA and four years for conventional after a short sale. When this was brought to XXXX attention, she stated that there would not be a problem. We placed out trust and our families future in her. We have XXXX young children and our biggest concern was uprooting them from our home and end up having nowhere to call home. On XX/XX/XXXX we closed on our home. On Sunday XX/XX/XXXX I opened my mail and found a letter dated XX/XX/XXXX that my husband and I were denied for our loan. You can imagine our surprise. XXXX XXXX never contacted us and in tern we sold our home and have no idea where we are going to take our XXXX and XXXX year old children. When we attempted to reach out to XXXX XXXX the next day, she avoided out phone calls and emails. It was n't until XXXX days later when she finally contacted my husband. She informed him that she was aware that we were denied on XX/XX/XXXX but did n't tell us because she " did n't want to ruin our weekend. '' Had she given us the professional courtesy when she found out that we did not qualify, we never would have sold our home. I feel that she was very unethical with us and failed to disclose multiple stipulations with obtaining a mortgage after a short sale. In my opinion, she should have known about these regulations and disclosed to us right from the beginning. We never would have proceeded with the purchase of a new home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had someone buy a tee shirt from my shop in XXXX. The shirt she wanted was backordered. She filed a dispute with PayPal on XXXX stating that she had not received her item. They emailed me stating that I should communicate with the customer about the status of the item. I emailed her on XXXX stating that the item had been back ordered and that I had followed up with the merchant to put a rush on it. Paypal sent me a dispute resolution link to provide them with tracking information, proof that I had refunded the customer or proof that the customer had received the item. Those are the only XXXX options on this page. There was no tracking information at that time because it was back ordered. PayPal closed the case and told me that when the case was close I might not get my money back even though I could now provide them with the information they needed. 

The customer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX United States XXXX XXXXXXXXXXXX her transaction amount was XXXX paid to my PayPal account XXXXXXXXXXXX on XXXX/XXXX/2015 and refunded to her by PayPal on XXXX/XXXX/15. The tracking number for her shirt is XXXX via at USPS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I obtained, after XXXX years of applying to SunTrust, a modification this summer. I contacted my single point of contact in XXXX multiple times to note that I had an unforeseen circumstance in the business and needed a waiver of the trial period. I made XXXX of XXXX payments timely. I did not hear back from SunTrust on any calls or request to speak. It seems to me that the simple and efficient way to workout the temporary setback is to waive the trial period and/or reinstate the loan as modified. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2008 when I bought my house that was listed for {$190000.00} the bank told my real estate agent that in order for me to secure the house I will have to over bid and offer {$210000.00}, the bank mislead me to offer {$18000.00} over the listed price, when home prices were actually dropping and no raising, and the bank knowing this approved the loan, after about 4 years my home value went down all the way to about {$130000.00}, at the time when the economy was really bad my employer changed my salary status from {$XXXX} yearly to {$XXXX} hourly. I took about 35 % pay cut and I was struggling making my mortgage payments so I was forced to ask the bank to help me to modified my home loan to avoid loosing my house, after months of fighting with the bank they approved a loan modification, but what they did, they added around {$12000.00} to my loan debt, they gave me 4.5 interest rate and they reset my loan to 30 years again ... 
Right now after 7 years been paying my mortgage, my loan balance is {$200000.00} and my home value now is around {$180000.00}, I pay over {$100000.00} towards my house and my mortgage balance still {$200000.00} how is that possible? .... 
At work now after all the salary cut I took, they cut my hours as well and over time is out of the question anymore, so I been struggling paying my mortgage for the last 2 years, I used all my savings, and I been living in credit in order to be able to pay my mortgage, but I came to appoint where I do n't have more savings or credit available or unused credit in order to continue paying my mortgage, I contact my bank for help but as always, they just keep me running in circles, requesting the same information XXXX of times and loosing papers time after time without a concrete answer to solve or help me to keep my house ... 
I believe I was a victim of predatory lending, no just XXXX but XXXX times already with the same bank, and after all the money that the government gave to the banks to help people like me that is in trouble paying predatory mortgages, the only thing that in this case my bank does is profit more ... 
That 's why im requesting an investigation from your agency and review my loan and the modification that they did and why my balance still so hight and why the bank is giving me a hard time to do a real loan modification when a person like me really needs it and refuse to do it when I qualified for XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rented an apartment with my roommate in XX/XX/XXXX -XX/XX/XXXX and was kicked out by him, he still remained in the apartment and I let management know i was kicked out and returned my keys, was told I did n't have to pay and now the negative account is in the way of getting an apartment. They no longer have me in the system due to new management, I would like to clear it so I can move in as soon as possible. Thank you. 

Company response: Company can't verify or dispute the facts in the complaint