AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I opened a joint-owner credit card with the Pentagon Federal Credit Union in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} XXXX XXXX in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and XXXX and PenFed came back with both credit limit as correct and the account is still open. When I called PenFed, they agreed the card was closed but refused to correct their mistake. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made a fair and totally compensation offer to the original debtor They choose to turn over to collection. I have documentation and an credit card authorization they choose not to charge. It seems like a XXXX business decision to me. I agreed to pay the FULL amount. I WILL NOT deal with this collection agency -- -period. I do not believe they have the whole story or documentation. I want to cease and decease calling me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In follow-up to my complaint number XXXX, SPS has yet to address their correspondence and request to set-up automatic drafts of my account that was mailed to me in XXXX XXXX. Instead they continue to turn back to the excessive auto-draft, but this was not the only issue. My complaint arises from more than that singular issue, but the series of errors that SPS made and then refused to address or correct. SPS keeps stating that the only issue was their overdraft of my account which took place under authority I extended them back in XXXX. If this was truly the case, why send me a letter and form to set-up auto-drafts with my loan modification documents in XXXX XXXX in order to maintain currency on my accounts? Per SPS 's statement, this would not be necessary because supposedly they already had my authority ... though their customer service team throughout my loan modification process continually stated otherwise and that I would need to set-up a new auto-draft once my modification was complete. SPS continues to lie about their actions and responses and this is why I will continue my protest until I am made whole. It is SPS 's correspondence of XXXX XXXX that contained the instructions to complete the auto draft form, submit it, and in the interim make check payments. It is this written request and direction from SPS which made me mail payments for my XXXX and XXXX mortgage even though they had already removed an excessive amount from my bank account ( I just was not aware of it yet ). From there, SPS attempted to process XXXX these checks - not once but twice after I had already contacted them about the error in their overdraft. Despite my repeated requests for correction, SPS failed to respond for months, specifically from XXXX XXXX through XXXX XXXX. It was after I filed a complaint with CFPB that SPS slowly began addressing pieces of the fall out to me. In lieu of acknowledging their error, they preferred to refuse to credit my mortgage accounts appropriately, refused to credit me the {$110.00} in bank fees I incurred, and instead decided to report my account as late to credit bureaus because of the {$110.00} ( disputed amount ). I should not be penalized for SPS 's errors with late reports on my credit when I have not been late ... only defrauded. It is this type of unscrupulous behavior why CFPB was formed to help protect consumers against. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i was issued a wrong modification with XXXX XXXX XXXX after loan was sold to them and in turn now a servicer spf wont help. my home is legally entitled toa loan reduction from sandy damage and a real modification. this loan change hands three times and nowforeclosure is in process.. no one cares no one helps but when i was need in XXXX i did my part. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX, I applied for home refinancing online with Americash. The loan officer said that if my loan is approved, it would take no longer than 45 days to close the escrow. I submitted all the paperwork they requested and I paid {$39.00} to send the documents by XXXX overnight on XXXX/XXXX/XXXX. The loan was approved a week later and more documents were requested which I promptly provided. I was approved for {$510000.00} to pay off my XXXX mortgage, my second mortgage, and my student loan payable in 30 years at 4.25 % interest. On XXXX XXXX, XXXX, the loan officer said that my debt to income ratio was too high and that I would need to have a co-signer for the loan. My daughter agreed to be a co-signer. The loan officer also modified my loan to pay off {$6000.00} that I owe on my credit card from the previous month. The new loan came up to {$520000.00} payable in 30 years at 4.375 % interest. More documents were requested and were provided promptly on the following business days. On XXXX XXXX, XXXX, the loan officer called me up and said that my loan refinancing is being put on the back burner because there were many loans that have priorities that need to close before the end of the year. Finally, on XXXX XXXX, XXXX, I got the final approval from the loan processor and she said that the earliest we could close the escrow was XXXX XXXX, XXXX I made an appointment with the notary public to come to my house after work on XXXX XXXX. The papers were signed, sealed, and delivered. The loan was scheduled to be funded on XXXX/XXXX/XXXX. The loan processor requested my latest XXXX pages bank statements and I sent the statements to both the loan officer and the loan processor. I even provided a copy of a canceled check and deposit that they requested. That was ten days ago but the loan has not been funded yet. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have complained persistently about the unscrupulous actions of my mortgage servicer. I applied in XXXX 2014 for a home modification mortgage due to my factual circumstances that are also permanent. I am a XXXX woman who receives Social security XXXX as her unearned income source. This income is not taxed as I provided proof to the loan servicer. I have supplemental income from XXXX and Food staps that are also unearned income sources. The total of all is a gross income of $ XXXX.per month. Bank of America refuses to abide by FHA federal guidelines for any modification and is stating I have only options to leave my hoe. Have it foreclosed upon and suffer bankruptcy. I have paid monthly payments according to FHA guidelines whereas the escrow is paid first then the principle or interest is secondary. My timely monthly payments have been ignored bu the Servicer and they failed to report y monthly payents to FHA and to the dredit agencies and my credit as a result has suffered negative reports. FHA has been wrongly notified that my payments are in arrears 13 months. this is false and BOA is now attempting to foreclose and denying me fair treatment to have any modification based on my TRUE gross income of unearned income. BOA unfairly grosses my income up 25 % and then offers a unrealistic trial offer of payments to modify y mortgage based on untrue income. My XXXX can only be used for food. My XXXX is permanent. My unearned income is not being calculated fairly and my rights as a XXXX person, single person and a woman are being violated and I know they are discriminating. XXXX XXXX IL filed a discrimination suit against BOA for unfair mortgage tactics to borrowers. Please look into this. I want resolution and my XXXX Rights as a homeowner who can not move with out funds, justice or credit. I deserve to be able to live in my property without threats of foreclosure when BOA fails to report the truth. I have taken Financial counseling with XXXX, as they also are aware of my affidavit sworn of my true circumstances, XXXX and all my expenses that are valid cost of living. I am being penalized by BOA for being XXXX and alive. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: credit card went to collections, and that company calls my house constantly even though I 've told them I can not pay 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I ported my cellular telephone numbers to XXXX from XXXX. After I ported my numbers over my account should have been closed as I have done this in the past and my accounts had been closed. 

XXXX did not close my account, they continued billing me for additional months of service before I realized they did not close my account until I received a bill showing a very high amount owed. 

I called XXXX and disputed that I had an active account, and explained to customer service that when I transferred my phone numbers to XXXX my account with XXXX was supposed to be cancelled and I was supposed to receive I final bill which would have been for about a week of phone service. 

The customer service reps would not help and told me I had to call them to cancel service, which seems fraudulent. 

I tried to dispute the amount and asked XXXX to adjust the bill to properly reflect when my account was cancelled. They refused and said I had to pay for additional months of service when I did not have phone service. 

I then requested that a manager contact me so I could discuss with the manager further, the manager never contacted me. Instead they sent it to a collection agency that I believe was named XXXX. 

I disputed this debt with XXXX and explained the reasoning. 

As of XX/XX/XXXX I received a collection letter from a different collection agency named ERC, address of XXXX, FL XXXX The new agency did not review my past dispute of the debt to correct the issues, It is believed XXXX did not review my dispute and instead sent the debt which is not valid to another collection agency. 

The reference Number that ERC gives me for the debt is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have requested on XXXX occasions now that Transunion remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Transunion refuses to conduct a proper dispute. Letter is attached from XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Upon change from one job to another, I promptly informed the lender that my pay cycle has changed and I would require a change of my billing dates to XXXX that. I was told no problem and representative took note of future pay dates and loan payment cycle. However vendor continued to bill on regular cycle causing overdrafts and fees. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My accounts were closed abruptly and I was unable to access the funds in my account without any correspondence. 

Company response: Company chooses not to provide a public response
Consumer complaint: We sold our Arizona home and settled our outstanding loan balance. At the time the real estate taxes debited from our escrow account by LoanCare had not cleared with XXXX County ( {$1500.00} ) and so we had to pay the full amount at the time of settlement. We informed LoanCare that their check for the real estate taxes was never cashed and requested a refund. I tried following up with XXXX county to expedite the return of the funds to LoanCare, but as LoanCare had written the check, the county tax department could not help me. I gave LoanCare the details to follow-up with XXXX county on XXXX XXXX, XXXX. I followed-up with LoanCare customer service numerous times by telephone ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and three times on XXXX XXXX, XXXX ). Each time I was told their tax department is handling it and I would receive a call back. Each time I waited 20-45 minutes for a customer service representative to answer the phone. I 've asked several times to speak to a supervisor, but am put on hold and then disconnected. I simply want the funds owed us returned, but regardless of how often I call I make no progress on receiving the money owed us by LoanCare. Please advise how I can proceed, as I need the funds to pay my bills. 

Company response: Company chooses not to provide a public response
Consumer complaint: FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to XXXX issues, job change and increase in expenses ( due to XXXX issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: That Transunion needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America Mortgage Account # XXXX failed to report to the credit bureaus ( XXXX, XXXX and XXXX ) that they foreclosured on my mortgage in XXXX They also reported incorrect past due {$58000.00} as the past is only based on the Notice of Intent to accelerate the Mortgage. The past due from acceleration is {$2900.00} not {$58000.00}. See their Notice of Acceleration letter. XXXX the account was accelerated the principal balance is also due. It is illegal to report monthly past due after foreclosure in XXXX XXXX, XXXX. 
They also reported incorrect information to ( XXXX, XXXX and XXXX ) as they stated the account was 180 days past due. The account history of past due was the Mortgage Foreclosure amount {$2900.00}. 
The also reported to ( XXXX, XXXX and XXXX ) the account is still past due in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This in correct as once the Foreclosure filing was filed in the court. The monthly past due history is not applicable. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX group located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, MI is servicing my loan. Last month XXXX was servicing my loan. I paid XXXX my full mortgage payment and the funds were taken from my account. TowneMortgage group is now charging me for XXXX full mortgage bills and XXXX still has my money. I have been trying to get in touch with both groups for 3 days with no calls back or response. I have also been trying to remove the PMI off my loan and XXXX has never responded to my requests. Please help. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In XXXX I purchased a condo from XXXX XXXX Loans or lender to promissory note. It has since then been switched in XXXX to Bank of New York Mellon. It has switched Loan Services multiple times. Along with the lender switch and servicer there is no documentation ever provided or notified of these switches. It has been since XXXX XXXX the last time I made payment. It was taken to court in XXXX to XXXX and dismissed without prejudice in XXXX. Since XXXX since after trying to refi and getting told no over and over and none of the current loan servicers or lender could prove they actually own the note and mortgage or property I stopped paying maintenance fees. In XXXX the association for the condos foreclosed due to maintenance fee being behind. They have released me of all responsibility and interest in condo. The loan amount is still affecting my credit causing me to not be able to rent places, get car loans even with a good paying job, and effecting both finical and physiological and emotional well being due to lack of failure to address and take care of this matter in a timely fashion or refi the loan to make it affordable. It is now causing me to not be able to go back to school. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a HELOC with Citibank in 2010 that was charged off but no document was sent to me that provided the filed date. I am attempting to retrieve a document with the charge off date as the credit bureau has it incorrect and/or is unclear about the date. I have spoken with XXXX different people in XXXX different departments always being transferred from one person to the next. I have sent 18 requests via fax since Thursday, XXXX XXXX with my information to confirm receipt. I have not received any communication from them from those requests. All I need is a document with the correct charge off date so I can have my credit corrected. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is reporting XXXX accounts as having reported a negative status. Because of accounts not reporting a payment status. These accounts are reporting current and or Paid in full on time. 
XXXX XXXX : An approved loan for one day only, on the wrong Car. 
XXXX XXXX : The same situation, a one day loan. 
XXXX XXXX : Reporting Status Current, only open two months. 
XXXX XXXX : Reporting Status Current, Paid and closed after 48 months of timely payments.. 
XXXX Credit Card : Reporting Status Current ( Paid off within 12 months to escape credit fees ), account closed by consumer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus. The reason was " Your account had only XXXX direct deposit of a Social Security payment ; it was not recurring. All other credits to your account were internet transfers from XXXX. '' I apologize for having thought that recurring deposits from my military account would qualify. I kindly ask if you could please honor the bonus as a one time courtesy. 

Thank you so much, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I lost my job several years ago and got behind on my Sears/Citibank account. They were charging so many late fees and additonal fees that I could n't bring my account current. They sent the account to several collections companies, and now filing a judgement to sue me. My information has be shared and sold to several collections companies, that I do n't know who actual has my account. A person came to my home when I was n't present to serve me court documents, I asked my maintenance man to tell them to send it certified, they stated it must be hand delivered. I need help with this that I can respond to the court/judge, but do n't have anything or anyone to contact. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Reverse Mortgage Solutions, Inc. 's ( RMS ' ) foreclosure of a XXXX citizen 's home in Maryland was temporarily averted this past week. A short sale contract at full appraisal ( i.e. RMS appraisal ) was received but rejected by RMS and its greedy investors who choose to remain anonymous. We understand that the DOJ recently fined RMS and its parent entity XXXX for fraud, and it seems that they should be investigated for other improper reverse mortgage activities. 
Further, HUD should do a thorough audit of this account as it was previously handled by XXXX XXXX and XXXX XXXX XXXX, whose overcharges and statement discrepancies were noticed by the elderly owner of the property in question. The XXXX homeowner wanted to take legal action against the bank but was very frightened by unannounced visits and calls by intimidating, rude bank representatives. It is so sad that American taxpayers bailed out the banks so that they could torture and swindle XXXX U.S. Citizens. 

Company response: Company believes it acted appropriately as authorized by contract or law