AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: THe State Employees Credit Union is committing dual tracking and proceeding with foreclosure related activities or proceedings eventhough I have submitted a purchase and sale agreement as well as sell information sheet for the Attorney. The sale of the home is scheduled to close on XXXX XXXX, 2015. I was informed today by XXXX XXXX that they plan to move forward with my foreclosure related activities and engage their attorney to restart the process. This will be determintal to my loan as I will incur additional fees. I request that the postpone foreclosure related activities until the sale is completed. My tenant moved out of the home and I have been unemployed for over XXXX years. Therefore, I need to sale the home to prevent foreclosure. So far they have been unwilling to do anything to help me and want my loan account to continue to rack up unnecessary fees. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I do not recall them sending me a letter informing me that I owed them a debt. I was not allowed my rights to request validation or dispute it which I 'm afforded under the FDCPA 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a Mortgage with XXXX. They ran my credit through CoreLogic Credo. I contacted them to dispute and update information on my file. Of which they are a third party to the credit agencies. I requested the the Account Name listed on there report as Unknown be removed. The original creditor of which showed XXXX Cable had know such account for me $XXXX bucks.  Core Logic contacted me by email indicating that my dispute was ready to view. The $XXXX bucks still reflects unpaid. So I called Core Logic and they indicated it came back as a XXXX bill from XXXX and gave me the number to XXXX to dispute. I called, I spoke to a gentlemen in the dispute dept. So now I have to start this process all over. He stated that this $XXXX is from XXXX. I once again explained the dilemma and he stated it hasn't been reported as a dispute. So today I have submitted another dispute with now XXXX of which could take another 30 days. For a company reporting on my report as "Unknown" collection agency. representing XXXX of which I do not have any outstanding balances with.
Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX # XXXXProperty : XXXX XXXX XXXX, XXXX XXXX, NY XXXXHi, my name is XXXX XXXX, and I work at the Law Office of XXXX XXXX XXXX. The reason for the complaint is due to we have been in process of a Loan modification since XXXX 2013 with Wells Fargo, and received a negative notice against the Loan. The file was removed from Litigation and Settlement conferences, making us negotiate directly with the bank. We summited a complete Loan modification Package on XXXX 2013. Due to Litigation, the file was delayed for nearly a year and a half, and now we got denied for Wrong Income usage. We appeal the decision made, and Wells Fargo claim the correct income was used to calculate the Loan Modification, which it does n't even match the income that was include on the RMA with evidence of this income. We have complied with every request as far as a Loan Mod docs, and we have provided more than enough evidence to support the income. 
The HO was paying a monthly expenses to do a P & L statement for his personal income, he invested over $ XXXX/month executing P & L statement due to accounting charges, with an end result of a denial. 
HO really wants to keep the property, we need Wells Fargo to make the changes in the income used, and provide the HO with the Loan Modification which was Applied. 
We want to placed a complaint against Wells Fargo for not providing the right opportunity for HO 

Company response: Company chooses not to provide a public response
Consumer complaint: I called XXXX XXXX in XX/XX/XXXX to discuss that my hours were reduced and I needed some assistance to help me reduce the amount of the payment required each month. I was told that I had to default XXXX month before I could receive any help with their financial program. I refused to be late on my payments and decided to pay what was required each month. I called XXXX in XXXX to ask why I had no credit available when I did and I was told by a representative that I called in and requested to close my account. This was not true. I never asked that my account be closed because I knew that this would reflect negatively on my credit report. I asked them to investigate who reported this information to the credit bureau and I was not able to get an answer. I also requested the tape be reviewed that records the calls when a call is made to speak to a customer representative that is suppose to be taped for quality purposes. I got no response from them. I sent a letter disputing that I closed the account. I never received a response from them. The resolution im looking for is for XXXX to admit that falsely reported to the credit bureaus that I requested to close the account when I did not. Admit that they closed the account on their behalf for no apparent reason. I tried to do the right thing by contacting my creditor to let them know I was experiencing some financial hardship seeking some kind of remedy to help my to stay on track and my obligation to pay my debt as agreed. Instead, they lied an reported erroneous information to the credit bureaus destroying my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased XXXX airline tickets on XX/XX/XXXX at XXXX, i was paying for those tickets XXXX XXXX, the conversion rate on that day for XXXX US dollar was XXXX according to XXXX XXXX, the following day XX/XX/XXXX the rate for XXXX US Dollar was XXXX XXXX, when i got my statement in the mail I got a whole different picture, the credit card company postponed the transaction for almost a week making the transaction date for XX/XX/XXXX and the posting date for XX/XX/XXXX, the conversion rate on XX/XX/XXXX was XXXX XXXX for each US Dollar, this made the total charge to go up from {$2000.00} US Dollars to {$2500.00} US Dollars, I contacted the merchant addressing my concern about the date difference and they sent me in an email with all transaction information which clearly shows that the transaction was made on XXXX XXXX which supposed to making it post on XXXX XXXX, I contacted Barclay 's Bank and they instead of fixing the issue files a dispute against the merchant which I never asked, the merchant replied with evidence showing that I authorized this transaction which is true, in their evidence they show the authorization details and there it also says that the transaction was made on XXXX XXXX, Barclay 's Bank accepted the merchants rebuttal and returned the charge to my credit card, I wrote back to Barclays Bank explaining my problem that I am not disputing the merchant but requested the I should be refunded the difference of the XXXX rates which comes out to about {$450.00} US Dollars, they denied my request saying that they ca n't further assist me with this issue, I called up Barclays Bank and they said there is nothing I can do to fix this issue and they refused to refund me the difference between the XXXX amounts. 
I paid for the transaction because I did n't want to hurt my credit history, I never agreed to the full amount of the payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account Opened for collections XXXX/XXXX/2015 original creditor XXXX XXXX. Removed and reopened still lingering on my credit report. 
Account was never opened, no business conducted with XXXX. 
Spoke to XXXX XXXX and XXXX ( did not provide last name ) who advised to send a letter to below address to dispute collection report/Certified letter to be mailed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TO whom it may concern I was in XXXX working as a XXXX at the XXXX and left my account info in my book self at home in XXXX and Some how some one got hold of my debit card and pin number for my personal and business and tried to deposit bad checks in my checking accounts and my bank of america accounts was closed! Once I found out what had happen I called and explain my story but they said I was responsible if i did write my pin down in a business folder and I did n't file a police report me being in XXXX and this happening in another state I didnt know how to go about filling. as a result I was banned from bank of America forever! Also I have been reported in the XXXX with fraud on my account not being able to open checking accounts at any bank in any state reflecting my credit. Im a victim for Id theft most likey buy a family member. I am been treated like a criminal. I did nothing wrong. I would like for my accounts to be reopen with the funds that where there when i left XXXX. I think bank of america should have called me when these transaction happen so I could help stopped all of the head ache I had these two years please help my solve these issues thanks for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed Chapter XXXX bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have applied for all Homeowner 's assistance programs that my lender has to offer. I previously was denied for a modification. The lender used the incorrect income amount. I am currently in escalations review and I have submitted supporting income documentation 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A collection account that was place on my credit report by XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX Account # XXXX. This is Identity theft is a fraud account, TransUnion let this company put a fraud account on my credit report with proper documents to prove this my account and second this collection company has never mail me anything regarding a collection account and as well as the original creditor. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had identity theft. It was over XXXX worth on XXXX cards. From the XXXX data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: The loan was assigned originally by XXXX as nominee for XXXX XXXX in XX/XX/XXXX - and by a known robo signer with title of assistant secretary of assignments for XXXX. Then robo signed again in XX/XX/XXXX by XXXX XXXX and notarized by XXXX XXXX - XXXX robo signers. False representation by SPS that they offer me application under the DOJ National Mortgage Settlment Act - THEY DID NOT DO THAT! In fact they refused to allow application saying that they did not work those. However, XXXX XXXX who was originally assigned my loan at the beginning of receipt of it disclosed that the file was sent to her specifically because it was tagged as a DOJ benefits and application loan. She said that they failed to offer me the application and did not follow the process to inform me of the availability of the program for me because of the illegal foreclosure actions that had taken place against me and had been included in the foreclosure fraud program and award. There are so many problems that it is impossible to address them all in this space. I am attaching a letter and some documents for review. I should note that this is just the tip of the iceberg. Accounting has not been provided to me as requested all the way back to the beginning of this loan so that I can assess all charges. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I check my Credit Karma report monthly and several months ago this debt just shows up on my credit report as a " bad debt '' from a PROCOLLECT. They never contacted me, or gave me a chance to even pay the {$75.00} debt - if it was in fact legitimate. I wrote them a letter and got back a coded response with no discernable information on it to determine if it was even a good debt. They gave me no phone numbers to call for verification or any information on how to validate this debt. I 'm at a loss as to what to do now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received, and responded to, calls from this company, verified that I am not the person who they are attempting to reach, yet they continue to call me at my place of employment demanding that I verify my identity to " ensure I 'm the person '' they are trying to reach. The person calling leaves the name XXXX and phone number XXXX XXXX XXXX XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I continue to get automated calls to my work cell phone non-stop from CMRE. I have asked several times for CRME to stop calling my work cell phone and send all inquiries by mail, they refuse to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Experian however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Experian and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Experian and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, XXXX checks were deposited into a longstanding business account equaling {$4100.00}. BB & T Commercial Bank then closed the account the day after and decided to keep the money that belongs to my business for as long as THEY WANT TO! When I realized that my account was closed on the XXXX of XXXX, I went to the bank to find out what happened. The bank manager REFUSED TO REINSTATE MY ACCOUNT without giving a valid reason for this behavior and claimed that the money will be mailed out to our address on XXXX XXXX, which is far too long into our future, not to mention waiting an extra 5 days for mail AND no way to cash it! My business relys heavily on this account having {$4100.00} in it NOW! If they do not pay me now, my business is at RISK! I know it must be illegal to hijack {$4100.00} from a patron while making interest the entire time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call today stating that I have been sued and that they have sent garnishment papers to my employer for a western sky loan that they say was taken out in 2011. I filed bankruptcy in that year they said it was taken out after that. This company has not contacted me up until today. I have not received any kind of paper work what so ever. This account has been sold to XXXX XXXX XXXX and I have read complaints that they are trying to collect on debts that have been paid off or forgiven. 

Company response: Company chooses not to provide a public response
Consumer complaint: The reason for my complaint is a couple years back I had XXXX bank accounts never bounce a check went over draft or anything I lost my job and applied for a XXXX job for some income until I get a real job so I was told to cash the check they sent me and do Wat I was told like shop at a store and give feedback. I did so but just XXXX the process I found out that it was a scam. I called my bank to advise them of the situation and I was told I needed to wait for the check to cash XXXX so I did the next day I called the bank to see what I can do about the situation and they told me unfortunately they had to place a check fraud under my name. And I could n't do anything about it for 7 years. XXXX off I called the bank to advise them of the situation and the fact I was not aware it was a fraud before the cashd itit. XXXX of all I was never arrested or convicted for that either. Which I should n't have cause I was in contact with the bank advising them what hAppened all I want is a bank account so I can deposit my money. I do n't think I was treated fair in this situation I need help please help me it was bank of America 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report XXXX already but up to now, the accounts are still on my report which is barring me from having a decent credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Transunion however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Transunion and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Transunion and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I applied for and received a secured Bank of America Visa in XXXX, 2014. 
That month, I was charged an annual maintenance fee of {$39.00}. I had no idea that the annual maintenance fee would be charged the same month as the opening of my account. 
I did n't charge anything on this card for several months so there was no need for me to check my balance. 
I had no idea that the annual fee had been charged to my account and as a result, since I was n't using the card, I did n't make any payments. 
In XXXX, I realized that my account was in default due to the annual payment charge and I immediately paid the entire amount. Now, all XXXX credit bureaus are showing a past due entry of XXXX days. 

I have attached a copy of my credit card agreement from Bank of America which outlines the stipulations that I had to agree to in order to obtain the card. The {$39.00} annual maintenance fee is mentioned, However there is NO mention at all of the date when the annual fee is supposed to be charged. Nothing at all. 

If there are consumers such as myself who receive a card and do not make charges, it is only logical that they would assume that there are no payments due on their card. The agreement says absolutely nothing about when to expect the annual fee to be charged. It should at least say that the charge will appear " X '' days after the card is approved in order to give the consumer a head 's up. 
I would like the " Late Payment '' remark removed from all XXXX credit reporting bureaus. The date that the charge was going to be made should have clearly been included in the Bank of America credit agreement. 

Thank you very much for your time, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily. 

Company response: Company chooses not to provide a public response
Consumer complaint: this was a genesis loan for XXXX taken out by XXXX in XXXX, Mi have been paying on this loan since 2009 appr. XXXX per month. the balance is still XXXX. As soon as I found out this was a fraudulent loan I was advised to stop paying it. my credit report currently states I am 120 days past due and received a bill yesterday that my minimum payment due is XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company