AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is a second complaint against BSI Financial in the past year. Thanks to CFPB, the first XXXX was handled. It is my understanding that BSI can not hold my over payment on my escrow account hostage to a 30 day delinquent payment. Due to medical heartships, we have beening running 30 plus days late for over a year. However, we have been making our current mortgage payments. Because of a reduction of taxes, BSI is holding approximately {$2400.00} of my escrow money. When I inquired with them, I was told that if I send them the delinquent payment, they will release my escrow money. I told them that if I had the money, I would not be delinquent. I asked them if they could apply part of my escrow money to the payment and send me the rest. They refused telling me that it was not their policy. It seems to me that My money that I paid in on my escrow account is collecting interest in their holding accounts for which they have no right to do. Again, this is the second time that I have had to write your good offices to encourage BSI to take care of a financial matter. The first XXXX concerned them holding my homeowners money and not paying the insurance company. Thank you for your help in this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was working with XXXX XXXX from Pacific Financial Corporation on a refinance of my home. At a certain point he wrote an e-mail to me indicating my loan was approved. He said all I had to do was get an appraisal ( and have it appraise sufficiently high ). I wrote back clarifying that the loan was for a 30 year XXXX fixed with {$2400.00} in closing costs. He said yes and indicated the loan was definitely approved. To be extra clear, I indicated to only proceed with the appraisal if we definitely got the loan at the above rate. After the appraisal went fine, he said we would " close on Monday. '' On that Monday, he sent me another e-mail indicating my closing costs would go from {$750.00} to {$15000.00} ( but he encouraged me to just do it ). I was angry. He said he would re-imburse me for the appraisal over the phone. And then he stopped returning my phone calls. This is predatory fish and bait lending. He lied a number of times. It has been quite a blow to my family. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have been paying my mortgage and XXXX ( Balloon ) for 10 years without late payments. From almost the time of acquisition of the property it was under water ( purchased in XXXX XXXX ). the lender on both the XXXX and XXXX mortgage is the same, Wells Fargo. I tried to get a HARP about 7 years ago to refinance, but Wells Fargo declined me, since they said the LTV/CLTV was above XXXX percent. 
The XXXX on my home has a balloon payment that became due in XXXX XXXX. Prior to that I tried to refi and WellsFargo said I did not qualify, and then sent me to another XXXX of their programs and they said I did not qualify and it was not a hardship. So, I called to speak with a supervisor in the loan center since I did not understand why making a payment of $ XXXX plus all at once was not a hardship, and she said since I could take money from my retirement account to pay the loan. Is this the same bank that received a bailout from the Federal Government based on the taxes that I pay? 
For the last 10 years I have been paying on a loan where the XXXX was in excess of XXXX % ; I have made my payments diligently and on-time to Wells Fargo. Now, they are refusing to extend the terms of the loan, so I can continue to make payments and keep my home. This type of loan with a Balloon Payment has been outlawed by the Consumer Financial Protection Bureau ( CFPB ) since XX/XX/XXXX as documented in the Truth-in-Lending Act and Regulation Z relating to a Qualified Mortgage ( QM ) and the Ability to Repay ( ATR ) except for small creditors. Both the first and second mortgages were financed by Wells Fargo at the time of purchase and to-date, Wells Fargo is the creditor of these loans. 
I have been treated unfairly, and this is a game with the bank where they make you jump over many hoops to provide lots of paperwork and run the clock out so the consumer is left holding the bag, with a mortgage default and bad credit. So the bank can turn around and sell the property in a bidding war. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX was servicing my mortgage and sold it to Carrington Mortgage Services. I was double charged on my first auto draft payment to them ( permission provided from XXXX ) and when speaking with the representative on the phone, acknowledged the charges but said there is no way to reach the department or anybody that can fix these issues other than through fax or hand written request and a delay of 3-15 business days upon receipt and verified proof of double payments posting. On top of this, I suggested skipping a payment the following month to avoid the hassle and was told that the next month 's payment would still be taken from me and I would be ahead of the payment cycle until the loan is paid in full. 26 years later. The double payment that was taken did not post the second amount to the principal balance and instead still applied both as full regular payments. To take double the payment when not allowing for a payment in excess of the amount due is one problem, and then not being able to easily refund the stolen funds is certainly another. Any assistance you can provide would be greatly appreciated. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The promised promotion to give bonus XXXX miles was not given because of the reason that minimum spending was not met. The minimum spending have changed to higher number than previously offer. This is not honor to the offer. 

And after calling, the agent admitted the mistake but could n't correct the issues or take responsibility to reissue the promised miles due to the request are not in 4 months time frame after issue the credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: i am an XXXX and have an excellent credit score. ( @ XXXX fico ) with greater than 10 years of credit history. i have applied for a citi credit card attracted to their double miles promotion. 

they have been sitting on my application for more than a week. when i called the agent tells me that application is still pending in a department, that can not be reached by anyone. 
she suggests my only option is withdrawing the application. with a credit enquiry already posted to my history, i am very much interested in the reason they have been sitting on my application. 
regardsXXXX XXXXXXXXXXXX credit application no. XXXXdated XXXX/XXXX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I received the following offer by mail from NIH Federal Credit Union to open an XXXX XXXX credit card account : " {$150.00} Cash Back Bonus - Spend {$500.00} in Net Purchases ( purchases minus credits and returns ) within 90 days of account opening and earn XXXX Bonus Points that can be redeemed as a {$150.00} cash deposit to a checking or savings account or as a statement credit to your Card account. The account open date is listed as the effective date in your Cardmember Agreement. Bonus Points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend. '' I applied for the credit card online on XXXX XXXX, XXXX. Elan Financial Services issued the XXXX XXXX Card to me on XXXX XXXX, XXXX, as indicated on the Card Agreement. I spent over {$500.00} by XXXX XXXX, XXXX. According to their offer, I should have been awarded the Bonus Points by XXXX XXXX at the very latest. However, I have not been awarded the XXXX Bonus Points yet. 

I called the telephone number on the back of the credit card several times to inquire why the promised Bonus Points were not yet credited to my account. I spoke to at least XXXX representatives who confirmed that I met the terms of the offer and would be awarded the XXXX XXXX. However, I was told that the 6 to 8 week period does n't start until the XXXX spending period ends, contradicting the offer printed above that states that it starts " after you reach the {$500.00} spend ''. On XXXX XXXX, I was told I would receive the points in 10 days. Today, I spoke to a representative who told me that the previous representative was wrong ; it will take 14-17 days. Then a supervisor contradicted her employee by telling me that they have 10 to 12 weeks after after the 90 day period so they do n't have to award the points until XXXX XXXX, XXXX, again clearly contradicting the terms of their offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: First. let me state that I never wanted this prepaid card. I apparently had a credit at my doctor 's office and that doctor 's practice ( XXXX ) apparently had a deal with BofA to provide refunds by issuing a prepaid card. The card came out of the XXXX unactivated for a long time because I really had no idea what it was. Even the emailed statements ( they must have gotten my email through the doctor 's office ) looked like spam ( labeled " Consumer Refunds and Pmts '' with no mention of either the bank or the doctors - that 's not a link I would click on as it looked like phishing ). 

I did finally figure out it was linked to the doctor and activated the card to pay a co-pay, but there have been issues using the card, so I called to try to cancel it and get the balance back. On the first call, the agent put me on hold for a while, the told me she was transferring me to management. Instead I was disconnected. I called back and the agent was somewhat more helpful ; she also put me on hold for a while, but did come back and appeared to be about to process the closure. She informed me that there would be a {$5.00} fee to send me a check and implied that was the only alternative, even though I asked for others. I protested that I should not have to pay to receive my money on an account I never asked for. She again put me on hold, then came back and confirmed that there would be a {$5.00} fee. I asked to speak to a supervisor and was put on hold for quite a while, with the agent checking in periodically. She finally came back and said all the supervisors were busy and rather than keep my holding, they could call me back. I asked for a call back within an hour. That hour passed, so I called back. I did notice that my balance had been diminished by {$2.00} from my original call. This third agent was at least somewhat helpful in that he told me that there as a {$1.00} fee per call ( the 2nd agent did not tell me this when I told her I would be calling back if I had not heard from them in an hour ) .He also told me that I could close my account without a fee by going to a BofA location. There is not one near me. I again asked to speak to a supervisor to now ask for the {$3.00} call fees to be credited in addition to the {$5.00} check fee. The supervisor, XXXX XXXX, informed me that he had already closed my account with no credits for the fees, claiming that that was what the agent made clear I wanted and that I had agreed to the fees. He said that it could not be undone at this point. I had never agreed to the fees and that was precisely why I asked to speak to a supervisor! He said that he would submit my request to the Debit Card management, and it would be up to them if any of my requests were honored, but because the account was now closed it was out of his hands. 
This is a scam. I should not be paying to get my money on a card that I never wanted. The way the agents handled this guaranteed that they would maximize their fees. This is exactly the type of deceitful and evasive behavior that gives banks a bad name. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I sent notice to Barclay Cards informing them not to withdraw from my bank account because it is in a debt management program. on XXXX an authorized amount of XXXX was deducted and I have not been able to resolve this with them despite calls, emails 

Company response: Company chooses not to provide a public response
Consumer complaint: In several different occasions I have tried retrieving my credit report via Experian and Annual Credit Report and every single time, Experian denies my request. Today, I signed up for XXXX XXXX XXXX, and I found out what the issue is, Experian has incorrect information on my credit report, incorrect DOB, incorrect Address, incorrect everything!!!! If I try to pull my credit report, using both the correct and incorrect information they have on my file, it is the same thing. I even tried uploading my documents via XXXX and the page is not working. Furthermore, I have tried calling the XXXX number, but it is impossible to get through a rep. Please assist in Experian providing my credit report, remove the incorrect information and remove the fraud alert that was placed on my file. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I purchased a refrigerator from the sears online outlet. The cost of the refrigerator was {$1400.00}, the fee to deliver the refrigerator was {$380.00}, I also purchased a protection agreement for the refrigerator for {$490.00}. All of the charges related to the purchase of this refrigerator, total {$2300.00}. All of the charges were processed and I have been billed for them on my Sears credit card, but the refrigerator was never shipped and therefore, I never received it. 
I have called the outlet store in XXXX, Michigan ( XXXX ), that processed all of the charges, but failed to ship the item, multiple times. I have called the bank that manages the Sears credit card, multiple times ( XXXX ). I opened a dispute with the bank that manages the Sears credit card, and I have finally received a credit for {$1500.00} for the purchase price of the refrigerator, including tax. And I have finally received a credit, for the {$320.00} delivery fee, that I was charged for delivering that same refrigerator, that was never delivered. But the dispute was closed without giving me credit for {$490.00}, for the protection agreement that I purchased to protect the refrigerator, that I never received. I have nothing to protect! 
I do not have the refrigerator, a credit has been issued for the refrigerator. Because the refrigerator was never shipped. 
I have been credited for the delivery fee, since nothing was delivered. 
For some reason, Sears and the bank that manages their card, continue to bill me {$490.00} to service a product that I do not have. I need to be credited for the protection agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my third time contacting the CFPB about Green Tree AKA Ditech LLC. This company has engaged in negligence and deception in regards to a questionable debt that their representatives have mislead me to believe to be an unpaid car loan and then a home mortgage. This form of deception is an infringement on my rights under the XXXX Debts collection act of California, and constitutes a reprimand towards the company involved in this form of consumer abuse. I received a response from Ditech LLC stating that they would take this unspecified debt off my credit report in writing, but they have lied again. The debt is still on my credit report, and they have attached unconscionable interest on this loan as well, knocking down my credit score. Ditech LLC has misrepresented themselves in stating that they were Green Tree, but now they are stating that they are not Green Tree. This can no longer continue. Deceptive business practices can never be tolerated! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My brother XXXX XXXX XXXX is XXXX from a XXXX one year ago. He was divorced shortly after the XXXX. He faces legitimate hardships, his FHA loan modification has been denied twice despite that he qualified. The entire matter has been grossly mishandled by Wells Fargo, their attorneys XXXX, XXXX, and XXXX, XXXX, as well as XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attached a copy of the email that I have sent out today to various agencies for some assistance to save my brothers home in the XXXX hour. We have been strung along for months! The sale is tomorrow. He has been assisted by XXXX XXXX XXXX XXXX who has now referred us to seek Consumer Advocate Attorney assistance, but with the sale date being tomorrow, we 're not sure of how to further help my brother from losing his home of 25 years. He has been unable to continue his XXXX, and has suffered additional XXXX from the stress of this matter. His health has declined significantly from where it was in XXXX when released from the hospital to continue his enormous progress he had made. He is now barely XXXX and has had his Medical Coverage cancelled due to non-payment of premium from the confused state of mind he is in from the additional strokes. We are appealing with his employer City of XXXX benefits department and working with his XXXX XXXX counselor to reinstate his Medical coverage. Without medical coverage XXXX 's likelihood of survival is next to none! Please help us as to what next steps should occur to stop this sale until more informed eyes and ears can peruse the events that occurred and contributed to this man being unlawfully denied his modification and subsequently faces the potential of being put on the curb in XXXX. Thank you! XXXX XXXX, sister in Colorado 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a credit card with Citi Bank on XXXX based on a application I received in the mail. I applied on line to see what credit limit and conditions I 'd get on the card. I was immeditly approved for the card and received an email from Citi Bank stating an account has been opened and card will be mailed. HOWEVER, I was not happy with the credit limit and the interest rate. I called Citi Bank immeditly to request the account opening process be halted and for Citi Bank to NOT open the account. I spent an hour on the phone with Citi Bank speaking to a number of individuals. All of whom stated " they could not stop the creation of the account '' and " that I can only cancel the card after its been issued and the credit card comes in the mail. However, I know this can damage my credit card, as the length of credit card account directly impact my credit score and it will lower my credit score. In addition it can delay getting a better card that I deem is right for my needs. I made several requests to Citi Card that they cancel and cease the opening of the account. However, they refused and stated " they simply can not ''. Even though I called them immeditly after the account was opened. The last XXXX digits of the card are XXXX of the Citi XXXX Card. 

I feel tricked by Citi Bank and feel as a consumer who was simply exploring what the cards credit limit would be I have been tricked into opening an account. I feel my rights as a consumer have been pliantly ignored and disrespected. I do NOT want this account. I do not want this card to lower my credit rating or score. I simply want this account creation to cease. Attached is the email I got from Citi Bank. Again, I spent an hour on the phone with Citi Bank requesting the account be closed BEFORE the card is issued. They said " they can not do this ''. I feel hijacked by Citi Bank and feel I had no rights in my own credit. Citi Card was very unhelpful in this matter in honoring my request in regards to my own credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft and some one got my information and try to open up lots of accounts in my name leaving me with lots of XXXX on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXXXX/XX/XXXX. This is not fair to me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am so sorry, I just want to add to this case number. I pulled the Experian Report and I have XXXX accounts that should be deleted1- if you look at the first page, you can see Experian has documented the Bankruptcy filing on XXXX/XXXX/XXXX, OK2- The XXXX card from their own payment ledger that the last payment received was XXXX XXXX, its well over 7 years old, really XXXX and half XXXX. This needs to be deleted3- the XXXX account, I attached previously the XXXX report but reattached, they have it marked for removal XXXX, the Experian report shows the XXXX filed in a bankruptcy filing XXXX of XXXX??? they just make up dates, the only BK filing on the record is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech Mortgage is calling my work number and my cell phone number at least XXXX times a day, and hanging up ( my current payment is within the 15 day grace period allowed ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was trying to sign up for the community college around XXXX 2015 and my cousin dropped me and my other cousin off there. I accidentally left my bag in the car when she took us home and not realizing that I did until she had left. A few weeks later I needed my birth certificate and when I could n't find it I remembered that she took us to sign up for school. I asked her over and over again about my information and she tried to make it seem like she did n't know where it was at. So a few weeks after that she called and told me that she had my social security card and birth certificate and that she would take it to her mothers house. I went over to get my papers and my aunt said that her daughter never came over that day and my cousin was swearing up and down that she did. After that she stopped answering my phone calls so I went and filed a police report. I 'm just now figuring out that someone is using my information to open bank accounts in my name. I filed the police report in XXXX of 2015 but I 'm just now finding out about fraudulent behavior using my information. I was calling my debit card to check my account balance and I got lazy and did n't feel like typing in the whole card number so I just typed in my social and birthday but it said that I have multiple accounts using my information. I should only have XXXX account which is my checking account but it was saying that I have multiple accounts so I instantly knew that something was wrong. If you can please help me and contact me soon as possible I will greatly appreciate it. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent a citicard pre-aproved invitation for their double cash rewards Master Card. This is the second XXXX they sent. When I went online to accept I was denied a credit card with them. Now my credit score is affected because I took their word that it was already pre-approved. Two times they have done this. I need these applications for pre-approved credit removed from my credit history. Can you do this for me? 

Company response: Company chooses not to provide a public response