AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report. XXXX XXXX XXXX XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me. 

Company response: Company chooses not to provide a public response
Consumer complaint: My lawyer is trying to charge my credit card and the card can not be charged. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My furnace died on a frigid day in XXXX XXXX and the XXXX company offered financial help on the replacement with Wells Fargo. One year later I noticed a {$2400.00} interest charge on my monthly WF statement. WF has refused to waive any of the interest even though I executed a full payment using fund balance transfer by another lender 5 days after the 1 year interest free deadline. I overlooked the deadline ( my bad ) but this transaction over penalizes the situation. I made monthly payments the first year on time and the Urgent Statement message ( XXXX XXXX statement ) notifying me of the expiring special terms is easily missed ( I think WF knows this ). I did n't see the problem until the XXXX XXXX statement showed whopping interest. WF said the other lender transaction will be too late to reduce any of the interest. I did n't have {$5400.00} in cash to pay the full balance when I asked WF to waive or reduce interest. I started working another job in XXXX to pay for the furnace. Reasonable business practices like this push people who are living pay check to pay check even deeper into financial hardship. Staff at WF say they 're just following accepted business practices and they have no flexibility to make more reasonable decisions. Some people who are financial strapped ca n't keep up because of situations like this. I was late 5 days on full payment ( not even a month ), one month late of {$2400.00} is about {$200.00}, and I 'd be agreeable to pay that because I made a mistake, but {$2400.00} is not fair for the circumstances. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made a change to the withdrawl date of my car payment, last time I had chosen to change the date I had spoken to XXXX that informed me I had the option do so so myself online and make changes without having to call the office. I took it upon myself and followed through online, I came to find out today that there were XXXX withdrawls on my account which are not authorized. I called the financial institution and was told XXXX XXXX that I had set up XXXX accounts, the rep cancelled the 2nd withdrawl but informed me that it was my fault therefore there was no refund to be made.She apologized for the miscommunication but that is not what I had been told. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This submission relates to previous complaint against Regions Bank regarding excessive overdraft charges with number XXXX and to the finding by CFPB earlier this year that Regions Bank was in violation of Federal Law or Laws in their actions regarding excessive overdraft charges. Other than a refund of a single {$36.00} overdraft charge which I received XX/XX/XXXX ( if remembering correctly on date ), I have not received any thing from Regions Bank in terms of refund or acknowledgement of my valid concerns. In ( or around ) XX/XX/XXXX I began to receive daily/regular collection calls from Regions Bank. At ( or near ) the same time I also began to receive some other type of alternative collection call which came from different numbers with different area codes delivering messages from people using different ( more than likely fake ) names saying things like they are from the fraud division and my checking account is on their list and my case would be downloaded to my county for further litigation. Both types of calls ended in approximately XX/XX/XXXX and I strongly feel they are tied together. During my nearly 17 years as a Regions Bank customer I was a victim of identity theft more than once between the years of XX/XX/XXXX and XX/XX/XXXX by professional criminals with obvious banking industry knowledge and experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, This is a bit different. I keep receiving calls from XXXX XXXX XXXX on multiple occasions in regards to a payday loan that I received and paid off in XXXX 2011 from XXXX XXXX XXXX which CashNet USA is apart of. They are stating that the original loan was done on XXXX/XXXX/2011, in which according to CashNet USA 's site is XXXX/XXXX/2011, which was paid off on XXXX/XXXX/2011. It is strange on how the loan was paid off more than 4 years ago and where they sent the information was to an address that I have n't resided in almost 8 years, so I was never notified. I contacted the original creditor with is CashNet USA and was advised that the loan was paid off and it is a possible scam. I advised of the company, but they are unable to keep up with the companies that are performing the scams. XXXX XXXX XXXX is trying to resolve a debt for {$430.00} and have been hanging up on me and not allowing me to dispute the claim, which I can process bank statements that the loan was paid in full. So I am not sure what else to do at this point. They provided me with a claim number of XXXX and spoke with XXXX and a few other associates. The phone numbers associated are XXXX and XXXX. Any assistance in regards to the matter will be greatly appreciated. 

Thank you for your time. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I applied for and received a mortgage in XXXX from BB & T. At the time they asked if I would like a free checking account. I decided I could make use of a different bank having an account, so I accepted the free checking account. I paid the mortgage faithfully. I sold my home in XXXX XXXX and paid off the mortgage. I did not close the checking account. I rented a new place, I found a new home, I moved my furniture, I remodeled and redecorated. This is to explain why I did not sit down and read my monthly statements from an account that never had any transactions from me in 5 months. Finally I looked at the account statements from BB & T ( who had never charged anything for an account with XXXX dollars in it ) to find out they were now charging me $ XXXX!!! maintenance on an account I wrote XXXX checks per year out of. 
Agast, I went to my local branch and they credited me back on 3 of the 5 months worth of unannounced maintenance fees. I feel this is intentional fraud. They know someone is in transition when they sell a home and pay off a mortgage. They realize they are not likely to remember the fine print in the mortgage they signed 4 years earlier. This fine print in the mortgage was the explanation I was given when I went to the local branch. 
They said someone would call and talk to me about the other 2 months worth of fees {$60.00}. 
But no one even attempted to call me or refund the ill gotten gains. 

Company response: Company chooses not to provide a public response
Consumer complaint: my mortgage servicer is lender live. i refinanced last year in XXXX. at the time of closing i paid down 3 month of escrow for my taxes and also prepaid interest XXXX. right now my loan servicer is raising my payment by {$110.00} because they claim that i need to have additional 2 month cushion for my escrow. initially when they took over my mortgage they were asking me to pay the insurance which numerous times i rejected it because i want to deal with my insurance myself and now escrow for my taxes. servicer will not return phone calls or respond to messages. last conversation i had with them they told we will raise your payment and we will do it at any given time when there is a change in your taxes. my taxes are {$690.00} a month and based on projection for 2016 it will come up to {$690.00}. why should i pay {$110.00} every month more. i refinanced to lower my payment and this servicer is telling me flat out you will pay more. i can not afford to refinance again to lower my payment and get into another servicer who will do the same 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: CMRE Finance has continued to attempt debt collection on a radiology bill that was paid through my insurance and co-insurance that I held at the time. I no longer have that insurance policy and have made that clear more than once. 
I checked my credit through an online site called XXXX XXXX and now CMRE is attempting to collect XXXX additional debts. I know without a doubt I have nothing in collection. Additionally, I have not received any mail communication regarding these " supposed debts '' from CMRE. The XXXX additional collections showed up last week yet all XXXX have a reported date from XXXX/XXXX/15. If this were the case then why am I just now seeing this show up and why have I received nothing showing where these debts came from? To me this seems fraudulent and I would like answers as to why they arbitrarily added these debts which is now hurting my credit score. You may view my payment history regarding current accounts I have and see that I do pay timely. I should also add that I have contacted CMRE directly via email to determine what is going on and have yet to get a response. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company has been known online to contact people concerning aged debts which they have purchased from other companies and are trying to collect on. These debts are mostly over 20-15 years old and they have been known to send letters to people stating they will collect and garnish wages. It is illegal to purchase aged debts from other companies and then treat them as if they are new debts. They know this and are preying on those who do n't know their rights. This company needs to be stopped. Here is a link describing some of their practices which include changing the amount of the debts owed on accounts : XXXX. They operate out of Florida with locations in XXXX, XXXX and XXXX XXXX. They had other locations but I guess those closed down. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX inquiry analysis that were not requested by me. XXXX on XXXX/XXXX/2016, XXXX XXXX on XXXX/XXXX/2016, and XXXX XXXX XXXX XXXX XXXX onXX/XX/2016 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection company recently placed an account on my credit report. I have no knowledge of this account and why it is reporting on my credit. I was not given a disclosure verification of debt and I do not have any knowledge of this debt they are reporting 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have demanded that my credit report information be validated or deleted as they are harming my ability to receive credit and /or causing me to have a poor credit score. I have demanded they update and remove all inquiries per not being authorized to check my credit report, as I only gave authorization to XXXX XXXX auto dealer to check, but they tried to farm it out to XXXX different banks causing XXXX different inquiries which I demanded be removed. I have demanded that they verify a account with XXXX XXXX, verify the alleged amount and the original contract as XXXX XXXX allegedly purchased the account from XXXX. They are also reporting very old information on accounts that were closed years ago. They are refusing to validate the information and accounts and are refusing to delete unverified accounts and causing me great harm in trying to obtain credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: my credit report have an account close with pending balance of {$630.00} from Allen Asoc. i do n't what is this. was reported as public record and is affecting negatively my fico score. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Over the past few months Macy 's credit reportedly made several updates to their mobile application. In XXXX 2015 I submitted my monthly payment through the mobile app, however the app did n't process the payment and my account was put into past due status and I was charged a finance charge and late fee. I called into Macy 's credit card services and spoke with a representative and my account status was changed to correctly show that I was in good standing and the finance charges and late fees were credited to my account. I was assured that the mobile updates were working and I would n't have any issues with payments in the future. In XXXX 2015 I again submitted my payment through the Macy 's mobile app. On XXXX/XXXX/15 I attempted to make a purchase inside a Macy 's store and my card was declined with a past due status. I spoke with a Macy 's credit services supervisor and she noted on my account that this is the second time my payment was not processed when using the app, and she credited my account the late fee and finance charges. Not only was this embarrassing, but I am concerned that Macy 's credit is reporting past due status on my credit report when the fault is with their application. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made my payment to my Citibank MC on the due date of XXXX XXXX, 2016 through the phone system and received a confirmation number of XXXX. However, I was very surprised when I called to make my payment on XXXX XXXX, 2016 to find out I was charged a late fee of {$25.00} for my payment on XXXX XXXX, 2016. I called and the Agent told me the payment was received on XXXX XXXX, 2016 and not on XXXX XXXX, 2016. I told him I received a confirmation that the payment was made on the due date of XXXX XXXX, 2016. As I usually make my payment on the phone system the XXXX of every month. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Following a refinance in XXXX XXXX, my Loan Servicer did not pay my XXXX Real Estate Taxes from my escrow account in XXXX, the customary time that taxes are paid from escrow. I had an amount listed in the Servicer 's website that provided me with an amount paid in XXXX. On XXXX XXXX, XXXX, The Real Estate taxing authority sent a delinquent tax statement to my home. I researched the Real Estate Tax paid with the taxing authority and discovered that the Real Estate Tax listed on the website was paid in XXXX ( a prior Lender paid the XXXX taxes from escrow ). I have been in contact with the current Servicer and they are making arrangement to pay the XXXX Real Estate. However, I am told that I can not deduct the XXXX Real Estate tax from my Federal Income Tax return since the tax was not paid in the calendar year. This increases my Federal taxes. The Mortgage Interest Paid ( Form XXXX ) did not list Real Estate taxes! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I recently this past year have been randomly getting mail from this creditor with pat off options in which I do NOT owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I, XXXX XXXX, a XXXX is working with XXXX and XXXX XXXX in requesting a loan modification for their second mortgage with CitMortgage. The homeowners had been in touch with CitiMortgage prior to my involvement and had received an email from a representative of CitiMortgage, XXXX XXXX by email with a list of documents needed to be submitted. These forms were completed by me, then reviewed and signed by the borrowers. They were submitted by email to XXXX on XXXX XXXX, 2016. I followed by with XXXX on two occasions by phone both times she informed me that she was too busy to speak with me but would call back that day. She returned one phone call at XXXX but did n't leave any message. I finally schedule a phone appt. with her today at XXXX. She called and at that time began to look at the package that was submitted to her 8 days prior. It took her no less than 15 minutes while I was on hold to review the documents. Everything she had put on the list to the XXXX had been provided. The only thing she could find to change was she wanted me to remove my name and contact information from the hardship affidavit. After working with lenders and servicers for the last 7+ years, I have never had one ask for me to remove my contact information on the hardship affidavit. I asked her to submit to underwriting to see if they needed and if necessary I would be happy to provide a new form ( signed by the borrowers ). It 's been a long haul helping homeowners in foreclosure and these type of tactics to delay and not process applications needs to stop. We are only asking that CitiMortgage review the documents and see if they would qualify for a loan modification so that they do n't loose their home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ditech mortgage is misapplying my full payment to cover an escrow shortage. This is making my account appear to be delinquent. They have done this the past 2 months. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Adverse credit report by Mariner Finance. 

I have a loan with Mariner finance. 

I was late for 30 days in month of XXXX 2015. The 30 day late payment was reported. In addition, the account was closed ; placed in collection and these information was reported on my credit report. This information has adversely affected my credit report and score. 

The problem here are : I was late for 30 days in XXXX 2015 : B. I moved out of my apartment in XXXX XXXX 2015 and my address changed. I traveled out of the country on XXXX/XXXX/2015 and returned on XXXX/XXXX/2015. I never received any late payment notice or collection notice from Mariner finance. 

C. My financial credibility has been damaged by Mariner Finance because of these misleading information. 

D. They want to ruin my credit so that I will have no option to borrow but Mariner Finance and they can impose their predatory loan and high interest rate on me. 

E. How do you close and account and report it as in collection. Without proper notice to the borrower ; I was late in XXXX 2015 because I was out of town. 

F. I think this account needs to be looked into and all changes made as soon as possible because of the importance of good financial credibility otherwise I will have to seek litigation. 

Sincerely 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sold a Zero % interest plan ( for 2 years ) in store by XXXX / Synchrony Bank. It turns out this is a deferred interest plan, which is not what they tell you in-store, of course. Now, at the end of the promotional period, I 'm hit with a massive bill ( charged at 30 % ). They claim they 've given me this deferred interest information in my monthly e-statements, which I have to log in to the website to see, but in their monthly communication, the bank gives you all of the information one needs in the body of the email ( statement balance and last payment ), so one would never log in to the website to check. 

While I 'm sure they have all of the their legal I 's dotted an T 's crossed and I should have been more diligent, rather than just listening to their " zero interest '' pitch, they are hoodwinking unsuspecting consumers and engaging in predatory lending. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a successful Navy Federal Credit Union account from XXXX to XXXX. Unfortunately I fell victim, and prey to identity theft, which my accounts closed, inactive, dormant. My line of credit was terminated and moved to consumer loans in the amount of XXXX, and my credit card maxed out to XXXX as a charge off. Due to this mishap, and veteran identity was compromised from my access # XXXX the only remaining account is my savings where I can deposit money in the account only with no access to other accounts. 
A representative made contact with NFCU Security where I have a level XXXX on my so called delinquent accounts since XXXX/XXXX/XXXX. Navy Federal Credit Union sold my accounts to XXXX XXXX, and also to XXXX XXXX. I think I disputed these companies in the past with no such luck until I came across CFPB. 

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