AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have subscribe to Experian 's CreditCheck Monitoring service for years. Included in this product, I get monthly access to my credit score ( all XXXX credit scores ). This whole time, I believed my credit score to be in the mid to upper XXXX. However, when I recently applied for a credit card, I received a copy of my score from the bank. It was much lower than what is reported by the Experian CreditCheck Monitoring program. I believe Experian 's service is misleading. 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my personal checking account through BB & T I noticed an electronic check processing to XXXX ( XXXX XXXX ) and in the from section it had an unknown individual ( s ) from XXXX, VA and the account number on the electronic check was not mine. I have accounts payable to XXXX but they are not in this amount so I called BB & T and XXXX in the corporate office began looking into the matter. While I was on hold for several minutes I called my wife who is a joint owner of the account to bring her up to speed. After approx XXXX min. the BB & T associate came back on the phone and stated that he had begun an investigation into the matter. That the funds would be returned to my account by the next business day and the bank would cover any overdraft items. He inquired if I had any outstanding payments that would be affected by this debit and my response was not to my knowledge however I have taken the time out of my day to audit my account find your employers huge error, missed time at work, my wife 's missed time at work and the matter of distress that this has caused me and my wife to think that a banking institution can have an unk glitch in their system that indiscriminately takes money from one customer and pays the federal debt of another is a major problem and all my bank offers me is an apology???? But if I make an error you bang my account for an XXXX overdraft fee!!!! Unbelievable 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian did not clearly explain why my dispute was not honored. Also, I was not able to upload attached dispute documents on Experian site. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi bank has charged me for products they did not provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2006, my wife XXXX and I had refinanced our house located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. The application was done through Clarksville Mortgage, located in Clarksville Maryland. They completed an appraisal for the house valuing it at {$800000.00}. Since that time my wife and I have gone through many changes, including the birth of our XXXX daughter, and later our divorce. She maintains the residence with our kids, but we have not been able to refinance because the value is still too low. I believe that the appraisal was artificially inflated to make the numbers work and now we are stuck paying over 6.5 % for a first and 2nd mortgage totaling $ XXXX. XXXX XXXX bought and serviced the mortgages immediately in 2006 and put them in their portfolio, so it is ineligible for any government programs through XXXX or XXXX or XXXX. I have placed the complaint against XXXX XXXX originally, and they responded that it was Clarksville Mortgage that had originated the loans, so they should also handle the complaint. The complaint number is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Per my TransUnion letter dated XXXX/XXXX/2015, XXXX XXXX XXXX account # XXXX was deleted off my credit file. I pulled a new credit report on XXXX/XXXX/2015 and the XXXX XXXX is still being reported by TransUnion and affecting my scores negatively. This account has been closed and paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I looked at my credit report last week and noticed that XXXX had reported that I had an outstanding bill of {$250.00}. I challenged the validity of the bill, especially since I had not been with XXXX for since last XXXX XXXX 2014 XXXX and I had not received any bills stating that I owed any money since I switched XXXX. In addition, I stated to her that during the last conversation I had with a XXXX Representative, I understood that I did not owe any money. Anyway, I explained to her that the only mail I ever received from XXXX was mail soliciting my services with offers of gift cards as incentives. I could not understand why they 'd want to have me as a customer if I had an outstanding balance. I however asked the Agent to send me a statement verifying this outstanding amount. Yesterday, when I got home from work I received a large envelope from XXXX with a bill for {$110.00}. Amazingly, the balance was lowered and I was given a date of XXXX to pay this amount. I still have'nt reviewed it for accuracy because I was tired and went to bed. This morning, I received a call from XXXX XXXX, who stated that he was from Stellar Recovery and he was calling about an outstanding debt of {$250.00} from XXXX. He demanded from me when I was going to pay this amount. I explained to him what transpired with the XXXX Representative last week, but he was unwilling to listen to my explanation. The manner and tone with which he spoke was very rude and disrespectful. He continued to ask me when I would pay the {$250.00}, even though I told him I would not make any payments until I had reviewed the statement I received from XXXX and I added that in any case I would deal with XXXX on resolving he matter. He kept on demanding I make a payment today. Eventually, I disconnected the call and I blocked the number XXXX XXXX XXXX XXXX. I just recovered XXXX and I can not deal with XXXX being harassed and threatened, especially when I tried to explain the situation and the XXXX XXXX refused to listen. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lyon Financial has approved me for a pool loan. However they refuse to follow AZ statute : AZ Rev Stat XXXX. The statute states that the pool contract must have payment provisions outlined in the pool that follow a specific payment schedule. Lyon Financial refuses to follow the payment schedule as required by AZ statute. Lyon Financial states that they do not have to follow the statute because the do no " specialize '' in pool loans. They also state that because the loan is a Unsecured Loan that the state of AZ does not regulate the loan. Lyon Financial is stating that they will not release funds to the pool contractor until pool build is complete. 


XXXX. Swimming pool ; spa ; construction contractsA. In addition to the requirements of section XXXX, a licensed contractor who enters into a contract for the construction or installation of a residential in-ground swimming pool or spa with a purchaser who resides in the residence or who intends to reside in the residence after the completion of the contract shall include at least the following provisions:1. A provision providing the purchaser the opportunity to request standard contractor 's payment and performance bonds in a form approved by the registrar, securing the completion of the work and payment for services and materials. The cost of the payment and performance bond shall be paid by the purchaser of the swimming pool or spa and the contractor shall not charge a surcharge or a service charge. 

2. The following payment provisions : XXXX a ) A down payment payable on the execution of the contract of not more than XXXX XXXX dollars. 

XXXX b ) After the completion of the excavation work on the swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX c ) After the installation of steel, plumbing and pneumatically applied concrete materials or the installation of a prefabricated swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

( d ) After the installation of decking materials, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX e XXXX Before the application of the finishing interior materials or completion of all work on a prefabricated pool or spa, payment of all remaining sums due on the original contract plus any written change orders approved by the purchaser. 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter attended XXXX in XXXX several years ago. We have a student loan with Wells Fargo ( was XXXX XXXX ). For several years we have managed to keep the loan current, but she recently ran into financial issues after having her XXXX child. We spoke to Wells and they offered a modification. After completing all of the paper work and answering questions ( this took about two months ), we were told we did not qualify for the modification because we couldnt afford the lower payment. Obviously this isnt making sense, this is why we asked for help in the first place. Their response was they can not practice predatory lending and if they lower the payment knowing we cant afford it, this is doing so. We asked if they could help us get caught up and they again said no, that since we dont qualify for the modification we dont qualify for deferred payments. We have gotten repeated calls, and we have made small payments and asked numerous times for help, with the same response each time, " no there is nothing we can do ''. Yesterday I received a call from a man that stated we owed the money, and must pay, he suggested that my daughter who works full time and has an infant at home get another part time job. I am disgusted by this company and am desperate for any help we can get! We have asked them for help for 6 months, and they know we need it, but they refuse to do so. What can we do? 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a collection listed that I do not agree with and requested several times validation and disputed with no actual evidence of what is being collected for and proof the debt is mine ( signed contract ). Can your agency help? 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Some individuals were receiving an offer for a free night stay at XXXX XXXX hotels. However, not everyone received it. The offer was not available for all card holders. 

XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This ticket was actually my sons while driving my car. I paid it to get it off of my credit report and contacted the courts who said it was paid and also sent me confirmation of the payment showing the balance of {$0.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent a promotion of a credit card, " prepared for '' me. I applied forthe " XXXX '' credit card, after which I wassent a letter that said I had too high of credit balances. Yes, I had XXXXcredit cards, XXXX with a balance of {$17000.00} and XXXX with a balance of {$18000.00} because those cards gave me an extended promotionalperiod with XXXX interest. I have XXXX times as much money in mysavings account as my credit card balances and I always pay mycards entire balance off each month ( unless they give me a promoat zero % interest, in which case I always pay the minimum paymentas they require. Upon receipt of the refusal notice, I called all mycredit cards and either cancelled them or reduced the credit limit totheir minimum, and paid all of them off except for the one with abalance of {$18000.00}. The reason I am writing you, within a weekor two of my refusal, I receive the same promotion for the samecredit card, for which I applied again, thinking I have cleaned upmy unused credit cards and I have reduced the credit limits for thoseI kept, except for the XXXX mentioned. However, just today I receivedanother refusal letter, stating there were " too many inquiries on mycredit file and you have sufficient utilization of your credit ''. Yes, I hadtoo many inquiries I suspect because every time they change a creditlimit, even if I requested it be reduced, there was an inquiry. I suspectevery time I cancelled a card, it was recorded on my credit file. Now, being given a reason that " you have sufficient utilization of your credit '' means what - darned if I know. Yes, if they give me 0 % interest, I amgoing to utilize that credit as long as they let me! The real irony is thatmy husband and I have over XXXX XXXX in assets and over XXXX XXXX inliquid assets which we can use to pay off that {$18000.00} as soon as the0 % promotional period ends. We were able to save those assets bybeing " cheap '', such as using 0 % promotional offers. Granted, Bank ofAmerica does n't make as much money off of me as those that run abalance and pay what I think is excessive credit card interest. 
However, do n't send me repeated promotions once they haveturned me down. Also, I do n't think it is right to refuse an applicantonce they determine that I do n't pay credit card companies or banksthat offer them interest. If they are going to send me letter after letterafter letter telling me why I should apply for a credit card, but onlyapprove me if they think I will run up a balance, get in over my headand make them more money, that just is n't right!! Yes, I know thecredit reporting companies are not perfect, but the credit report andsystem is tilted towards banks so they can charge interest and makemoney. I paid off my mortgage as quickly as possible and flat out don'tpay interest. If they are going to penalize me because I have $ XXXXXXXXon a credit card that offered me that 0 % promotion when I have XXXXthat in savings that just is n't right, even if they do n't make as muchmoney off of me as they think they should. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account was closed previously but lists as open on credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage through Wells Fargo VA loan and it is currently in a suspended foreclosure status right now. I missed a couple of payments but immediately contacted them to explain the situation and look for help. I was assigned a " specialist '' who literally did n't help us resolve anything. I eventually contacted the company customer service and worked with just about anyone willing to help me to learn what documents I needed to send it to get the process moving along. All in all- I am on the XXXX specialist. I ca n't send in any payments. I get a run around at every turn. The debt just keeps growing. I have been TRYING to work with them since day 1. Contacting them, sending in documents, taking phone calls ... .than being given a new specialist all over again. I am currently XXXX payments behind. Unable to send in new payments. And fighting to keep my home, but I do n't know our rights. Our current specialist will not give me any information of someone above him to work with us PLEASE HELP! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a secured card through Bank of Oklahoma, who does their credit cards through lan. I 've had it for almost a year and they charged me an annual {$35.00} fee for the first year, I asked to have the card switched over to a card with no annual fee because I always pay my bill in advance and never keep a balance. They would n't give change it without another annual fee so I asked that the account be closed. After I faxed them the letter they requested to close it I received a letter from them stating I would not receive my {$300.00} deposit until the review period which lasted until XXXX XXXX ( over a month after I sent them the letter XXXX. I never have carried a balance with them and always make my payment way in advance. I do not owe them anything on the card and they still refuse to give me my money back until the " review period '' is over. I have called XXXX times in the past week or XXXX trying to get my money back and I have been told multiple dates by different employees as to when my money will be returned. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I recieved a responsive from Experian stating that if I do n't provide more information they would discontinue their investigation on a dispute I filed. I called XXXX XXXX today and they said my vehicle was paid on time with no lean or repossessions. They could have found that out also. It took XXXX minutes. XXXX is sending me this in writing within a week, something Experian could have done. Also XXXX dispute was removed from XXXX. I do not want a company to represent me if I am not worth the effort. I am going to contact the FTC and BBB and possibly a lawsuit. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are in the process of doing a short sale with Bank of america. We have submitted all paperwork and understood because it was a VA loan that it had to be denied for a loan modification before are offer for a short sale could be considered. I have recently moved out with my significant other and our baby girl and have been maintaining the property and our realtor had the lockbox on the door in order to show the property to potential back up offers for a short sale. Bank of America sent safe guard properties into the and drilled out all the locks on the doors and replaced them with their own, they damaged the front screen door, and posted signs all over the house. It has greatly diminished the value of the home and the look of the property. They are making us jump through all sorts of hoops now to get keys to the property and will not return the lockbox they destroyed or provide compensation for it and the screen door they broke. The bank is saying they have every right to enter the premises and do what they did, which is completely illegal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called to contest the validity of the debt. The collection agent, XXXX XXXX, Operator ID XXXX, indicated that she would not indicate that I was contesting the validity of a debt unless I " proved that I did not owe it '' and that " the company will document that you owe the debt and it will just go back to collections. '' I felt this was misleading, coercive and abusive and in violation of my right to contest an invalid claim of debt against me. I am being charged by XXXX for a month of service when they never connected me, and I cancelled. This operator, instead of marking my account as dispute, attempted to strong arm me into paying even though I had just explained that I would not pay for services I never received. She talked over me, interrupted me, and misrepresented my statements rather than file the dispute as she is supposed to. I spoke then with her supervisor, XXXX XXXX XXXX, who also misrepresented the sequence of events and indicated that I had simply flatly refused to pay rather than validly disputing the debt. He later relented, but only after he raised his voice, talked over me, interrupted me repeatedly, and took a very condescending, offensive and abusive tone. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. My wife and I, both XXXX, foolishly signed papers pretending to sell our house in order to prevent foreclosure. 
2. We want to clear the title, loan still in my name, resume mortgage payments, now considerably reduced. 
3. Do not include sensitive information like your name, contact information, account number, or social security number in this field. So what " my information '' can I give you? 
4. 2008 $ XXXX mortgage5. Review? 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage for refinancing of my home was conducted without involving an Attorney. If a real estate attorney had been used the bank would have discovered that there was an existing mortgage on the same property. As a result of not obtaining an attorney the loan was not paid off. The first mortgage holder is in the process of filing a fore closure. I have attempted to do everything possible to prevent this from happening. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Lost condo to foreclosure due to Suntrust failure to properly and timely process modification. 

Company response: Company chooses not to provide a public response