AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX is reporting incorrect negative information to Experian. There was XXXX semester where I was out of school due to a military ordered relocation. I contacted XXXX months before the move to inform them of my upcoming semester absence from school. I was told that I would not have any required payments unless I took more than XXXX consecutive semester off from school. I promptly registered and attended the next semester of school, and I did not think there was any issue. Upon checking my credit report, I noticed that XXXX was reporting late payments for that period. I disputed the item and it came back as " valid ''. I contacted XXXX directly and was told to write a handwritten statement and mail it via USPS, which I did. XXXX sent a letter back that the negative credit information was valid and they would not remove it from the credit report. I again attempted to dispute the item with Experian and it was again found " valid. I do not feel this is in any way fair, I was told that I was not required to make payments for that period and did not receive any notification indicating otherwise. The representative I spoke with apparently had no idea what she was talking about, and should have placed me in a " deferment '' status, rather than telling me that I wouldnt owe any payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly disputed the derogatory items with Transunion. XXXX and XXXX have removed the fraudulent items that I disputed upon verifying that they were fraudulent debts and not mine. however Transunion refuses to assist and help me in removing these items, leaving me no choice but to write a complaint. Transunion needs to remove the items from my credit report because they have been proven to not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a good faith estimate from a lender when I was looking into buying a home. The GFE was provided to me. Everything is moving towards closing and I am now 5 days away. The lender now sent me the quote of my actual monthly payment which is over {$300.00} higher than the GFE that he provided. He said he made a mistake on the property taxes. I pointed out the huge discrepancy in what he quoted and the actual cost and the best he could do was give me an apology. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Eronneous charges from XXXX XXXX is {$160.00} on collections from XXXX XXXX. The charges are not accurate and is not associated with my service. The collections is posted to my credit by the company noted below : Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 've tried to contact them numerous times without response. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have filed a lawsuit against Bank of America XXXX BofA XXXX for billing disputes. I won a judgment in small claims court XX/XX/XXXX against BofA. BofA appealed the judgment and I am currently in the Court XXXX in PA for this matter. My credit card expired XX/XX/XXXX. I did not receive my new credit card from BofA. When I contacted BofA XX/XX/XXXX to inquire of my new card, I was advised that my address on file was not correct and the card was previously returned to BofA and that BofA would expedite sending to me a new card. In 2 weeks I had not received the new card. At that time I was advised that my account had been closed. My account was not delinquent. I believe that BofA closed my credit card account in retaliation to my legal claim against BofA for unfair billing practices. The credit card is an affinity card for my XXXX School XXXX XXXX. The card also has a 6.99 % interest rate which is very economically beneficial for me. I would like to have my card reopened by BofA as they had no reason to close my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title, deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. XXXX and Experian refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible 

Company response: Company chooses not to provide a public response
Consumer complaint: During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XXXX XXXX, 2015 I contacted the collection agency via certified mail, to request debt verification. I received a response on XXXX XXXX, 2015, which contained a printed statement from the original creditor. The printed statement does not show my correct name or address. I contacted the original creditor with regards to the debt, and was informed that the only identifying information on file was a name and address.The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon reviewing my credit report online, after there was a fraud alert issued on my debit card XX/XX/XXXX, there were questions from Experian and XXXX Credit Reporting Agency that said that I applied for a mortgage loan in XX/XX/XXXX ( lender not listed ) and that I owned a retail credit card. Neither of which is true. I was living in an apartment at that time and feel that my identity information may have been used by someone else. I would like to dispute these listings from both Experian and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: We asked the bank for net proceeds requirement. They told us an offer of {$25000.00} with net proceeds of $ XXXX. We received an offer of XXXX. They reviewed and at the last minute before the foreclosure postponed. They waited 3 weeks and then they countered back at a previous amount of XXXX reducing commission to 3 % split between XXXX agents. The national standard for a short sale is 6 % total commission. This has been going on for 2 1/2 years. They keep changing their requirements as soon as we have an offer that meets their demands. They are force placing a foreclosure on an XXXX servicemember and his veteran ex spouse. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have a credit freeze on my credit report. I want to be able to lift the freeze via the internet. I am not able to lift this freeze without calling and wasting 30 minutes on the phone. They have incorrect data for previous addresses and will not correct this. When I call they give me the run around. I want to lift and set my security freeze based on the pin number issued by Transunion over the internet. I do not want to have to call in and announce my soc sec number and pin over the phone for everyone to hear. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had XXXX list a debt on my credit report. XXXX and XXXX have both removed it off my credit report, however it has appeared back on my Experian report. This was a fraudulent account opened and I would like for it to be removed as it is harming me negatively. Experian also has these inquiries listed on my account that i never run and I would also like that removed as this is also harming me : XXXX, WA, XXXX ( XXXX ) XXXX XXXX, GA, XXXX ( XXXX ) XXXX, MA, XXXX ( XXXX ) XXXX XXXX, MN, XXXX ( XXXX ) XXXX XXXX, FL, XXXX ( XXXX ) XXXX XXXX, WI, XXXX ( XXXX ) XXXX XXXX, MD, XXXX ( XXXX ) XXXX, CA, XXXX ( XXXX ) XXXX, OH, XXXX ( XXXX ) XXXX XXXXThese inquiries and false reporting on my experian report is harming me greatly because it has been proven by the rest of the credit bureaus and IRS that i have been a victim of Identity theft. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company sent a letter collecting a debt for XXXX for an account number that is not mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am being told that I had a home phone through att and that the bill was paid religiously on time every month. well for one if the bill was paid every month how is there a amount owed. and how do i have a bill when i never had att. I have had cell phones for the better part of 10 years through XXXX and the only home phone i ever had was through XXXX. also on my credit it states that the account is closed but another area says it is open. I want this off my account asap. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX was discharged on my husband 's bankruptcy 

Company response: Company chooses not to provide a public response
Consumer complaint: Multiple representatives continue to call me daily although I have advised them when I will make a payment. I receive at least XXXX calls a day at home and at work. I have told them I will make a payment soon, but they continue to call multiple times a day to continue to pressure me into making a payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I noticed an unauthorized deposit in my checking account in the amount of {$800.00} from Kickstand Lending. I never heard of Kickstand lending, I have not applied for a payday loan, I did not sign any loan documents either with a wet signature or electronic signature and I certainly did n't give them authorization to access my checking account. My bank is disputing the deposit at this time. I also just checked my credit report and a company by the name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX requested my credit history on XXXX/XXXX/2015 on behalf of Kickstand Lending. I did n't authorize this either. I googled Kickstand Lending and found an email address for them ... wrote them about the situation and they said the loan was requested on XXXX/XXXX/2015 from an IP address of XXXX ... when I traced this address, it 's in XXXX ... I 'm in XXXX and have n't traveled anywhere outside the region in the last five years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Last week Thursday, XXXX XXXX, 2015, I received a summons from the Law Office of Joe Pezzuto , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Prior to this summons I have never heard of XXXX XXXX or his law firm. I did not receive a phone call, voicemail, letter or email from this law firm. I do not currently have nor have I ever been in any contract with this law firm. They never provided me any documentation regarding this debt before proceeding against me in court. 

I do believe that they are in clear and direct violation of the Fair Debt Collection Practices Act. 

The exhibit attached in the court filings did not show my name or signature in contract with XXXX XXXX nor did it show any ownership of a debt relating to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All XXXX credit bureaus report a different age of these accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are not eligible for income-based repayment. I did not ask or apply for such a thing and this is utter nonsense as other institutions have options to lower payments for private loans. I presented the situation that I 'm unable to make payments in full and would need it lowered. I do not plan on defaulting the loan that 's why I asked for help. They refused to go back to the lender and work with them to find a solution. They would call and harass me daily without providing a solution. I ask that CFPB step in to find me a solution. They 're damaging my credit by keep reporting late payments without providing a satisfactory resolution. This is modern day discrimination and we need to escalate to the highest level. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX based in XXXX SC has been making charges on our credit card. We filed a dispute with credit card holder - USAA. Nothing was done. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My home foreclosed in XXXX of 2010 with XXXX. XXXX had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with XXXX to be sure. Last year, after four years of the debt not being pursued, XXXX sold the debt to Real Time Solutions, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My home foreclosed in XXXX of 2010 with BofA. BofA had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with BofA to be sure. Last year, after four years of the debt not being pursued, BofA sold the debt to XXXX XXXX XXXX, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Myself, and XXXX children have loans with Sallie Mae, payment was made and taken out of my account but Sallie Mae calling to say payment not made, try to verify where payment was posted and they now say I am not who I say I am because they either have XXXX or XXXX both names that I go by so # XXXX will not talk to me and they have flagged my account that I am not who I say I am. but are harassing that payment not made, they wo n't even talk to me to get the confirmation number from the bank. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: While trying to obtain a VA mortgage loan, I was unable to obtain the loan because of an error on my credit report. I filed for bankruptcy chapter XXXX and the banking financial was also included in the filing of lenders to file against in the bankruptcy. The bankruptcy chapter XXXX was filed in XX/XX/XXXX and was discharged XX/XX/XXXX. The credit report states, it 's was a judgment and not satisfied, but it was filed with the chapter XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was told by XXXX different people that if I paid the debt in full Amercian Medical Collections would remove the info from my credit report. They have failed to do as promised. I have an immaculate credit report and want to keep it clean. I paid it as soon as I got it. I moved for 2 years and was forwarded the notice from the new tenants. Paper says pay in full and no bad debt reporting. They simply lie to get what they want. You should n't allow these tactics. I always pay my debts and always pay them on time. I think they need to honor their promise and remove this from my credit report. They need to reprimanded for the lies they tell the debtors in order to collect. I paid the full amount and did n't even negotiate the amount because they were going to remove it within 3 days since I paid it in full via their website the day I spoke with them. This is just so unfair. Please investigate their tactics to be sure they do n't scam or lie to others as well. I worked hard my whole life to establish a great credit score and this one bad mark lowered my score drastically for at least 6 months. They ruined my credit because of their failure to keep their promise. Thank you for listening and possibly helping to resolve this issue and protect others from these tactics. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: About two years ago I cashed in a CD that I had with Bank of America. It was relatively small, around {$5000.00}. Being fairly poor though it was my life savings. I understood that by cashing in early I would lose the interest earned. That was what I agreed to when I set up the CD. My son had found a one time opportunity to buy something that he could almost immediately resell at substantial profit. I told him to spend the {$2000.00} he had on the goods and that I would replace the money from my CD. Once he spent his money it was critical that I follow through and reimburse him so I no longer had any choice on cashing in. When I ended the CD I was stunned that the bank penalized me over {$300.00} for the early withdrawal. The total earned interest was under {$60.00}. I was told that the bank had unilaterally changed the terms and was now penalizing me based on principal, not interest. I reminded them that I had never agreed to change the terms. They said they had sent notice but I never got one. I read correspondence from the banks when it concerns my money. I absolutely never received or agreed to this change in our agreement. I wrote XXXX letters to B of A about this and never received a response. In anger I closed my accounts with B of A and moved them to a locally owned bank. When I told them about being charged over {$300.00} for cashing in my CD in the XXXX month of a XXXX month term they said I had to be mistaken, no bank would do that. While I waited they called B of A and were stunned to find out that it was in fact true. Since that time I had to cash in CD with the new bank when my mother got sick and I had to travel to visit her. My new bank also had to penalize me for early withdrawal from a CD of the same amount. In this case it was XXXX months early. Their fee was XXXX. Yes XXXX. XXXX of the fee charged by B of A. That bank robbed me as surely as if they mugged me on the street. I 'm XXXX and live in poverty on Social Security XXXX. Please get my {$300.00} back from those heartless thieves at B of A. 

Company response: Company chooses not to provide a public response
Consumer complaint: Performant Recovery Inc. is managing my defaulted loan from the Florida XXXX for the time that I attended Florida XXXX University in XXXX, Florida. I have paid them on time since 2008 through automatic deductions from XXXX of my bank accounts. My loan however is still listed as in default status today and I my principal amount has not decreased. Performant Recovery 's response is that I never signed the correct forms to allow them to begin a default rehabilitation program for the loan. Yet, I did sign papers for them to automatically deduct money from my bank account. Now I would like to enter into their rehabilitation program to remove the default status from my record, and move the loan back to Florida XXXX so that I will no longer have to pay collection costs and actually have an impact on deducting my principal loan amount. Performant Recovery Inc. however is unable to get this program started for me. In the last 3 months I have sent them official documents of my tax returns, pay stubs, all of my bills, drivers license, and they keep telling me that their " auditors '' need to determine if my documents support moving me into a rehab, or if the " auditors '' will raise my payments because clearly I make more money now. They have yet to send me in writing anything that determine how this audit process is driven or what I need to qualify for allowing the eight years of on time payment that I have sent them to contribute towards reducing my principal loan amount and removing the loan from default status. Every time I have spoken with them since XXXX of this year, they need more information for the audit process, meanwhile they are continuing to deduct {$110.00}. from my bank account through automatic payment monthly. 
Please investigate this process and let me know should I contact a lawyer to get my money back, and my payments credited towards my loan principal and removal of my default statusl 

Company response: Company chooses not to provide a public response