AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am a single mother with XXXX children, I just went through a horrible divorce that involved XXXX. I am trying to pick up the pieces and put my life back together which includes keeping a roof over my children 's heads. I have a career with a XXXX year job history. Our home is currently in the foreclosure process with Bank of America. My ex husband stopped paying for the mortgage and took all of our money out of the bank when I obtained a restraining order against him. I can afford the mortgage payment go forward however I am unable to make up the back payments. Prior to the divorce being final I was constantly in contact with Bank of America trying to figure out ways to prevent the foreclosure. I was highly encouraged by them to obtain the divorce decree as quickly as possible and get my soon to be ex to quit claim the house so that I could qualify for a mortgage modification. I rushed the divorce to obtain these documents and submitted them only to be told I did not qualify. I was never told the same thing twice. Every time I called I received conflicting information. I retained an attorney by the name of XXXX XXXX at XXXX Law Firm as I feel there have been many UDAAP violations throughout this entire process that need to be investigated. To this day I still am unable to get the same information from XXXX different people at Bank of America on anything having to do with this whole mortgage modification approval/decline process. I submitted the divorce decree and quit claim deed exactly as I was told then I was told by someone else there was no need to do that. They appraised my home for {$500000.00} the first time, when I appealed that they came back with an appraisal of {$450000.00}. I sent in XXXX comparables to Bank of America and gave them the name of several realtors in my area who said the home would not appraise or sell for more than {$370000.00}. Bank of America has ignored that. Where is the due diligence around their appraisal process and ensuring the accuracy of them? How many other mortgage holders homes were over appraised as well in order to decline their mortgage modification?? I believe this over appraisal is XXXX of the reasons for the denial for the mortgage modification but not able to get confirmation around that either. Recently someone named XXXX XXXX called and said I could get my own appraisal done and this was the first I have heard of that as well. There have been nothing but unfair and deceptive acts and practices during this entire foreclosure/mortgage modification process. Please help, I can definitely afford the payments and need to keep my XXXX children in their home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was recently discharged from a Bankrupcy ( XXXX XXXX ). As soon as the discharge was ordered, Select Portfolio Servicing stated sending harrassing letters & calling saying that I had missed a payment during my bankruptcy.I have provided them a copy of the check of the month in question, but they have been unable to resolve the issue. Further, when Select Portfolio alleges that I missed a payment, is the same month when Select purchased my mortgage from XXXX loan servicing. I contacted XXXX on XXXX XXXX, XXXX & was told by an agent, that she was unable to pull up my file since it was so long ago. This has been quite frustrating, as I have not missed a payment on my mortgage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed fraudulent charges on my credit card account ( the " Account '' ) with Macy 's American Express ( " AX '' ), originally in the amount of {$1200.00} ( plus any finance and late fee charges ). I advised AX both in writing and over the phone on numerous occasions that I was a victim of identity theft, and I did not make or authorize these charges, and immediately upon notifying of these charges I contacted AX to let them know that these charges were not mine. In fact, I had not used that credit card for such a long time, if at all. Over the past six months, I requested that these charges be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement showing that I owed no amount on account of the Account. Not only these charges were not removed, AZ continued sending me statements adding penalty and interest and send the account to a collection department. When I call them to follow up, the representatives indicate that the account is still under review but that they can not stop the interest and penalty from accruing. 
Unfortunately, this inaccurate information has affected my credit score which was over XXXX. I have previously discussed this matter with the Company 's Fraud Department at least on five separate occasions and they have informed me that these fraud charges will remain on my account and may affect my credit until this matter is fully investigated and resolved. Please be advised that this practice is in violation of Fair Credit Reporting Act ( " FCRA '' ). 
Under the FCRA, these disputed and fraudulent items should not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if the Company can not verify the debt within 30 days, then it must be removed. Based on the foregoing, I hereby request that you look into this matter and abuse this practice by Macy 's American Express. 
I truly need you help to stop the illegal and abusive practice of AX in the manner described above. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was renting a car from XXXX. They have changed over the years, but that 's another story. I tried to get a monthly billing and tried to return the vehicle a number of times. I bank with Wells Fargo. Apparently, XXXX decided to charge me all at once a month while we were still in negotiations. I did not have enough money in my account for a XXXX charge and did not know anything about the charge. Wells Fargo paid that amount and overdrew my account. I complained and went ballistic. They gave me what they called a temporary credit. They just took the temporary credit from my account and overdrew me again. I am now overdrawn XXXX. This is my question, clearly this is their fault. They block transactions all of the time and make me call for approval on much smaller transactions in my daily life, how on earth did this happen and how am I at fault. They could have made arrangements with me to pay back the temporary credit in small increments over the past several months, but instead they broadsided me again. My account has also been hit about three times since I have had this account. I have been a customer since XX/XX/XXXX. They definitely back corporate charges to my account over my welfare and I have told them that in writing. The retail banking system is not American no matter what anybody says and has to stop. It 's my money. Why am I fighting and arguing over my money. I want to change banks but I am so afraid being treated the same way. I was by BofA to the tune of a settlement in my favor. I am sick of fighting for my money and I do not have much to fight over. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received my credit card statement and my due date fell on the weekend. One was XXXX/XXXX/XXXX and the other was XXXX/XXXX/XXXX. In each case my payment was made on the first business day following the weekend. I was charged a late fee by Wells Fargo Financial. My understanding was that if the due date fell on a non business day, the payment will be due the next business day. Is this correct? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have dispute an item with Transunion. That item is XXXX, XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ultimately, someone used my Macy 's card to purchase an expensive handbag XX/XX/2015. I did n't discover this until XX/XX/XXXX - I had n't received statements for some time, so I logged in to check my balance. I found an unexpectedly high balance at this time. Looking through the activity, I found a purchase I did n't make ( a handbag for several hundred dollars, shipped to a name/address other than my own ), which I reported ( or so I thought ) online. I called back a week or so later, XX/XX/XXXX, to check the status and update my address, as the online address update feature did n't seem to be working. At that time, I was told that online reporting did n't work and that no fraudulent activity had been reported on my account ( concerning ), so I reported the incident to the representative I spoke with and updated my address. Another month passed, and I started to see my credit poorly effected, and I was receiving collections calls about the account. I made multiple attempts to call to ask the status of the fraud claim, but more often then not, I was placed on long holds or disconnected ( or both ). I persisted and continued to try to contact Macy 's, and each time, was reassured, it was in progress, and " these things can take ( x amount of time ) to resolve. '' Each time I called, the time period forecasted was longer - initially 6 weeks, then 2 months, then 90 days. It seems that each time I called, I 'd have to tell the whole story, as notes did n't seem to be taken down. Eventually, one representative confirmed my address with me, and they still had my old address on file, apparently, in parts of my account ( how I 'm to know which parts were updated, I 'm not sure - I had moved and informed them of my new address ... ). 

My credit score has dropped approximately XXXX points and the issue remains unresolved. I 've attempted to speak to supervisors, but these conversations ( if not disconnected ) have led to no action. I 'm promised calls back and do n't receive them. In the 15 or so years I 've had credit cards, my accounts have been hacked a handful of times, and I 've never had to bear the brunt of it upfront. I ca n't believe this is legal, and would love for Citibank ( the creditor responsible for the Macy 's card ) to be thoroughly investigated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX 2015 I remedied a judgement by paying the satisfying amount. I read all disclosures and signed all appropriate documents and the process went smoothly so I thought. I went to my local court house to check if the judgement was indeed satisfied and they confirmed it was. Several month later I noticed on XXXX XXXX a delinquent derogatory report, I desputed this and XXXX XXXX confirmed it was resolved. 2 months later, my wife and I apply for a loan to improve our house and we are denied the low APR rate because of this judgement that I resolved almost a year ago. I feel penalized and treated unfairly. I have been told false information by XXXX XXXX of this being resolved, when it has n't been and again feel I am being held back on an opportunity for a lower rate on a loan that I would qualify seeing this was appropriately remedied! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted the credit bureau regarding the incorrect reporting of my XXXX account. There is also duplicate accounts listed on my credit report. I would like to have this information updated to reflect the most current information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Bank of America said they were unable to provide me with XXXX cards for my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was the victim of identity theft a few years back and just learned some hard inquiries from the person who stole my identity are still noted on my credit, as well as XXXX account being still open that is not mine ( XXXX ). I have filed a report with the police. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender refuses to postpone foreclosure sale to complete loan modification review. Lender claims that they can not modify loan because it is an equity loan and under Texas law these loans can not be modified. Lender ignores that XXXX XXXX XXXX, et seq. supersedes state law. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I report to Transunion about an inquire that was made from XXXX XXXX every three months, This was made by error in my name. I already received a letter from Transunion and also tell them to lock my credit, but this month again was a credit inquire for the same place. i dont know what to do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This has been happening since last year and the calls were not as frequent last year as they have been at the beginning of this year. They 've been calling my phone hounding me everyday about a medical hospital bill that I owe and no matter how much I tell them to stop calling and I will pay on it when I have the money, they still keep calling. Sometimes more than once in a run of a day. It 's persistent and annoying. It 's gone beyond the point of phone harassment because I tell them to stop and they still keep doing it. I just paid them XXXX XXXX dollars on this medical bill they keep talking about and normally when you make a payment, the calls slow down, even if it 's just XXXX payment. But no. I make XXXX payment, they 're still calling my phone bothering me to make another payment when I already told them that I DO NOT HAVE THE MONEY. I do n't get paid much at my job and I said I 'll do what I could after my bills are paid. My more important bills are a XXXX of a lot more important than XXXX hospital bill. I 'm not about to go homeless just so they can stop calling me. I want them to stop. I made a payment online that was on the paper bill I received and they said they got it. If they got it, they need to stop calling me. Or I 'll have them sued for phone harassment. I understand they 're bill collectors and all but I 'm not made of money. If I do n't have it, then I do n't have it and I 'm not going to make promises on days saying I 'll pay it then because I know I wo n't be able to if something comes up. They want their money and they will get it but I do n't need them harassing my phone. So long as they got XXXX payment they should be happy and not annoying as XXXX. I want something to be done about this and if nothing is, I 'll just have the XXXX phone turned off and any new phone number I get, they will not be getting. I do n't need the sound of constant ringing in my ear from people who just want money. I do have a life and other things take top priority of it. It will get paid when I have the money. Simple as that. 

Company response: Company chooses not to provide a public response
Consumer complaint: My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 BANK OF AMERICA , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2015 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX Acct # - XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My second mortgage or " HELOC '' matured 2 years ago since I filed bankruptcy 7 years ago and had not received any statements from them since that time I was unaware of it being close to maturity since that time I have filled out paperwork with them at least 5 times each time they say something is missing and I send that and no response. When I call back I am told the paperwork is too old and needs to be resubmitted. They have sent my home for foreclosure. Since I have a lot of equity in my home I feel they are doing something called " Dual Tracking '' which I understand is illegal in California 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Department Experian.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information that your company provided to Experian.com my Report number is XXXX on XX/XX/XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item XXXX Credit Account Number : XXXX .... 
Date Opened : XX/XX/XXXX Status : Transferred, closed. Account XXXX : XXXX ... Date Opened : XX/XX/XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XX/XX/XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. U.S department of education National payment center XXXX XXXX XXXX GA XXXX ( phoneXXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XX/XX/XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that Experian.com have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have one single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
University of Pennsylvania 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response