AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: SPS have not adequately responded to by QWR and have avoided to answer pertinent questions to my dispute. SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose on my property. 

SPS claims that they are required to send me statements by law when in fact there is no law that requires SPS to continue to send false and inaccurate statements through the Unites States Postal Services. 

SPS claims to be the servicer of a loan in my name when it have not participated in any servicing activity and can not prove otherwise. 

SPS claims that it have paid property insurance on my behalf when SPS can not prove otherwise. I have always paid my own property insurance. 

SPS claims that if have paid property taxes on my behalf when SPS have not and can not prove otherwise. I have always paid my own taxes to the county in which I live. 

If SPS or any agent, client, and/or attorney of SPS continues with a foreclosure on my property they will be liable for actual, punitive, statutory and compensatory damages. 

In addition, if SPS or anyone acting on SPS 's behalf continues to send false statement through the USPS mail it will be considered an administrative default to FDCPA VIOLATIONS, VIOLATION UNDER 42 U.S.C. 1981, MAIL FRAUD, AND RICO VIOLATIONS UNDER 18. U.S.C 1961 & 1962. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX has violated my rights as a consumer several time in the past 7 months ... ... left 2 vm XXXX XXXX XXXX ... ... 3 vm XXXX/XXXX/2015 ... .2 vm XXXX/XXXX/2015 and I have saved all records. ... they also went into my bank account unauthorized XXXX/XXXX/2015 and on XXXX/XXXX/2015 gave my account details to unauthorized third party ... ..I 'm sure I 'm not the only consumer they 've done this to and this needs to be investigated. ... at this time the only resolution ill accept after so many violations is payoff on my acct number XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: They call EVERY XXXX and 3 times a day! 
Today, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. 
As far as I 'm concerned, this is harassment. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I recently pulled my credit report from XXXX and Transunion, and to amazement, I still see this company name XXXX XXXX reported as a charge off. I have disputed this account with Transunion and XXXX. However, it comes back " verified '' I am very curious as to what kinds of " records '' this company has on this account. I have sent request for validation/verification of this alleged account. No response have been received from this company for over a year. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt can be validated. Also, under the Fair Credit reporting Act, this disputed account my not appear on my credit report if it can not be supported by any evidence. If this matter does not get resolve amicably, I will file charges against this company for violation of my federal rights. I have been dealing with this issue since 2014.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX, 2014, my primary checking account with another banking institution was compromised. My checking account with XXXX XXXX XXXX XXXX was the primary linked account used to submit payments to USAA Credit Card services. I was then issued a new checking account number for security reasons. On or about XXXX XXXX, 2014, I updated USAA.com with the new checking account number while paying my current USAA credit card bill. At that time I was unaware that USAA.com failed to update my linked checking account number to the newly issued account number. The following month I attempted to make a payment in the amount of {$1000.00}. I was under the impression that this payment, like the last, was without issue. Each time that I had submitted the payment via XXXX, it was my understanding that the payment had processed. I was unaware of the error until logging onto USAA.com on third month to pay my USAA credit card bill and seeing a balance that did not match my personal recordkeeping. It was at that point that I realized that USAA.com failed to save my new checking account number issued to me by XXXX XXXX XXXX XXXX, and as a result, failed to process the previous XXXX payment attempts. 
I contacted USAA to discuss this issue and I had made my way to a senior account manager. This individual and I reviewed all of the relevant facts, including the associated credit card statements, which clearly showed the payment attempts that I had made during each month in question. This USAA representative was more than helpful at the time and I was told that this error would be " quite easy '' to have resolved. I followed the instructions given to me by that account representative exactly. I mailed in the " USAA Credit Dispute Form '' along with all of the documentation the USAA representative had identified was required. 
To my surprise, the response to my dispute was not the expected details of dispute resolution, but rather, I received a general letter stating that USAA had done an investigation and found that it is reporting events accurately. I take issue with USAA responding to the formal dispute with a general letter that failed to provide any reference to my particular issue, and furthermore, I find it appalling that my conversation with a senior account representative would be in direct contradiction to the final determination. 
I challenge USAA to conduct a proper review of my dispute. I am positive that if a proper review is conducted, and all relevant information is taken into account, USAA will recognize my dispute as valid and move quickly to clear it 's adverse credit reporting. I would like to remind USAA personnel addressing this complaint that all relevant information was previously submitted with the original dispute, and can also be found in the Online Banking records. I am hopeful that this complaint will convince USAA to do the right thing and conduct a proper review of my dispute, thereby avoiding the need for further escalation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Continental Finance Company took advantage of me by taking DOUBLE Monthly Minimum Payments from me for months and only allowed double payment ( on-line payment and by phone when I checked to see if minimum for each month was being received by CFC. We I found out by looking at XXXX 2015 Monthly Statement CFC was actually receiving {$70.00} and not the agreed upon {$35.00} I contacted CFC to ask and was told to turn off auto pay and I would not suffer late fee or other penalty while the matter was being fixed and that I would be refunded for XX/XX/XXXX double Minimum Payment received by CFC. I was told I could use the Refund for XXXX 2015 payment. I have not received a Refund and CFC still charged me with a late Fee. I have never been late with a payment. My account with CFC is now Delinquent. I contacted my bank XXXX for help to stop double payments going to CFC. I think I was being double charged Interest for each double Minimum Payment I made. XXXX Contacted CFC. That same day or the next my account was charged late fee and is now somehow delinquent. How can my account be delinquent when I never missed a Minimum Monthly payment? On one or two occasions CFC applied the Doubled Minimum Payment for the next months payment, like XXXX XXXX and other well known Creditors do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Previously I filed a complaint through the offices of Senator XXXX XXXX, Senator XXXX XXXX and Congressman XXXX XXXX about the Wells Fargo Bank withholding {$5200.00} as a servicing set-aside from a reverse mortgage that my wife and I entered into with them in XXXX. It is my understanding from your documentation that Servicing Set-aside 's are intended to pay for any needed repairs to the home, taxes and /or insurance that I do not pay myself. Wells Fargo has never brought to my attention any repairs that my home required, nor has it paid for any repairs, taxes or insurance, thus I believe that amount is subject to be returned to me at this time, as I have fully repaid the full amount borrowed, plus interest and fee 's. 
Consumer Financial Protection Bureau advised me some time ago that Wells Fargo had resolved this complaint, and indeed I did receive letters from Wells Fargo 's Executive Resolution Specialist, XXXX XXXX on XXXX XXXX, XXXX stating that they were " making every effort to fully address all of my concerns and provide me with a thorough response '' XXXX XXXX stated that they expected to complete their work by XXXX XXXX, XXXX. This is to advise you that despite the fact that YOU have received a response from Wells Fargo, I HAVE NOT, and it is now XXXX XXXX, XXXX. I am further concerned that you allow Wells Fargo to just provide a " Stock Answer '' to complaints " we have reviewed your complaint and did n't find -- etc.etc.etc ''. Never do they reveal the scope of their review, never do the give the details of what they found that allows them to disregard your issues with them, never do the even address the issues that were presented to them. They simply say that the complaintant is wrong, and you accept that as accurate. I must ask, do you do anything to justify your existance? Do you do any independent investigation of complaints? So in addition to my complaint against Wells Fargo, I wish you to tell me just who you will foist my complaint against you off on? 

Company response: Company chooses not to provide a public response
Consumer complaint: Home Depot offered a 5 % discount for purchases with their Home Depot Brand credit card. After acquiring the card for only a short period of time the offer was canceled without any notice to consumers. This is a deceptive sales practice to lure consumers to obtain a Home Depot card that does not provide the promised benefit. 

The whole situation seems shady. There was nothing in writing to indicate a 5 % discount. The consumer had to ask for it each time a purchase was made or it was not offered, you were required to tell the cashier in every occasion or no discount was provided. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a member of the credit union in XXXX NC. I went into my local branch this morning to get my taxes done and i was treated very wrongly by a lady named XXXX XXXX. She was very rude and unprofessional and i told her that i will be sending a complaint about her actions this morning, i had her to return my tax documents and i left the branch and this is my complaint and i want to know what is going to be done about it and how soon. 


Thank You 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a complaint to you all back in XXXX of 2015 n regards to myself and Mariner Finance please use my previous information to locate that complaint as it is vital to the complaint I making today- Mariner Finance hired a company by the name of XXXX XXXX . XXXX XXXX hired an employee by the name of XXXX XXXX. XXXX was hired to have me served in order to have a judgment by the court of law placed on me for the remaining balance of the car they sold after repossessing the car from me in XXXX of 2015. The cause of this repossession was not at all my fault I purchased a money order in the amount of {$430.00} on XXXX,2015. Mariner swore they never received the payment. I went as far as tracking the money order complaining to the post office raising XXXX, faxing proof to Mariner. On XXXX XXXX I received a call from " XXXX '' from Mariner Finance very rudely asking me what my intentions are? I begged his pardon and asked what are you talking about. He said to me a payment posted to my account XXXX XXXX for {$430.00}. I laughed so hard and said I have not sent you all a dime since you took my car that was the payment that you all claimed you never got. Just as I thought my payment set on someone 's desk the entire summer. It was probably mishandled for the week it came in was XXXX of XXXX. As you can see there are several issues here and this has caused a great deal of stress. For additional info please see previous complaint made back in XXXX. However this time we are dealing with Fraud! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX new accounts were reported opened under my name by TransUnion as follows : XXXX ( Acct # XXXX ) and XXXX XXXX ( Acct # XXXX XXXX XXXX ). These accounts do not belong to me. I did not open these accounts. 
I was reported delinquent on another account from XXXX XXXX ( Acct # XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. This account does not belong to me. I did not open this account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I walked into Wells Fargo on XXXX XXXX, 2016 and applied for a secured business credit card. I deposited the {$500.00} that was required to secure the credit card and was subsequently approved that same day. I was notified that the {$500.00} would be pulled from my account within 3 days and that I would receive my credit card in the mail within 7 business days. It is now XXXX XXXX, 2016 ; approximately 1 month and 15 days later and I still have not received my credit card. I have called the bank where I applied, as well as customer service, every single day since XX/XX/XXXX and I have received, literally, XXXX different reasons why I have n't gotten my card. The bank has pulled the funds from my account, however, they will not give me a date, or even an approximate date on when I will get my card. I have been dismissed and belittled and I ca n't help but wonder why. This is fraud and apparent discrimination to the highest degree. I know that this has happened to other individuals and I am going to pursue this situation to the point of a lawsuit. If anyone has experienced this same situation, or any situation that has a hint of discrimination, or fraud, please post your experience. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: WellsFargo gouges their consumers by playing fast and loose with the dates when they close credit card billing cycles : they close the billing cycle earlier than they are supposed to thus not applying payments made on the last day of the business cycle towards the outstanding balance and therefore calculating higher monthly payments than they would otherwise have calculated had they closed the billing cycle on the day when they were supposed to. This gouges the customer twice : first, it calculates the minimum payment on the basis of a higher balance ; second, because they 've already calculated a minimum amount due the following month before the current billing cycle actually closed, they take the payment made on the last day of the billing cycle and apply it first towards paying this higher, fraudulently calculated payment, and only apply the remainder towards the balance. In addition, they never actually communicate when the billing cycles end to customers until after the fact. I had to call them and ask them to give me the last dates when I could make payments on my account. According to those days I should still have been able to apply a payment I made today towards the balance on my account but lo and behold, when I went online to make that payment ( I had planned to pay down {$1800.00} ) they had already calculated my minimum payment due next month. I called them about it again and now they are telling me that the business cycle ends not at midnight on the dates they had given me before but at XXXX am the day before. ( What?!?!?!? ). 
This has happened repeatedly with Wells Fargo, which is why I decided to call them and find out from them when exactly I could make my payments. They calculate interest on average on {$2000.00} more each month than they should, thereby costing me $ XXXX/month. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a letter for Wilber & Associates on XXXX XXXX asking me to pay {$540.00} for an accident that they say happened when a person I have never heard of crashed my car. My car has never been in an accident. They have called and harassed me on the phone, asking me for information but not providing me with any information. They sent me a letter on XXXX XXXX threatening to suspend my license. This company is disgusting and I want them to be stopped. This is a scam and I ca n't believe these people are not in jail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America had incorrectly reported to all XXXX credit bureaus that I had missed payments in my credit history. I contacted Bank of America to dispute this information and they advised me that I had to dispute this information with each individual credit burea, which I did. 
XXXX XXXX and XXXX both deleted the missed payment information, after their investigations but XXXX, after their investigation, advised me that the missed payment information will remain. Bank of America is still reporting to XXXX that I have missed payments. I have been late in the past, several times but I have NEVER missed an entire payment. Bank of America should correct the information they are providing to XXXX. 
I have filed several XXXX complaints against Bank of America and they have not resolved any of the complaints. Consumers should be aware that Bank of America is a dishonest company and they need to correct their mistakes but they will not. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is XXXX XXXX XXXX XXXX XXXX creditor is Citibank. I researched XXXX recovery and every single review said they were a scam. Both XXXX XXXX and XXXX XXXX say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from XXXX XXXX ( current debt owner ) and they told me they have to get the proof first. I have called Citibank 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that XXXX XXXX XXXX Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. Citibank has no records of this account so where is XXXX XXXX going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with Citibank only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and XXXX XXXX has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to XXXX XXXX XXXX even though the account is being disputed. XXXX XXXX 's phone number is XXXX XXXX XXXX XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor Citibank have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from XXXX and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the XXXX loan. I never received the Capitol Gain, but did pay taxes on it. Specialized Loan Servicing LLC has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I successfully completed a 12 month payment plan with XXXX without fail. At the end of the 12 month period, a balance was left of {$470.00}. That was paid this past week in full bringing my account to a XXXX balance. However, XXXX reported my account as a charge off of {$470.00}. This is not accurate but that is how XXXX reported it. I filed a dispute with Experien and they filed a dispute the and said it changed but it did n't. It says PAID. Write Off {$470.00}. Again, it should state PAID IN FULL AS AGREED with an GREEN OK sign and that should also be reflected in my credit and fico score. It was not written off. EVERY PENNY was paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond. 

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