AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Greensky pulled my credit report twice leaving XXXX inquiries on my credit report for the same loan. This happened in XXXX XXXX and again in XXXX XXXX. 

When the contractor XXXX fell behind schedule and was not able to get the project completed in time they took it upon themselves to close the first loan, RUN MY CREDIT report again and then open a whole new loan in order to accommodate the contractor. At the same time the Contractor decided to pull my credit report as well leaving another hard inquiry on my credit report. ALL of this happened without notifying me, my prior approval, or permission. 

These additional credit inquiries have caused me financial harm and an through no fault of my own prevented me from getting a much needed loan from XXXX XXXX. XXXX XXXX cited " too many credit inquiries '' as the reason for denying me a line of credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I responded to an email I received that appeared to be from a well-known and often shopped store " XXXX XXXX '' to complete a customer satisfaction survey. Thinking I was dealing with XXXX XXXX, I completed the survey. As a reward for completing the survey, " XXXX XXXX '' offered free merchandise. XXXX of the items offered was a colon cleansing product which I picked as my free reward. After completing the page requesting the product, I was asked for my credit card info to pay {$4.00} for shipping and handling. At NO TIME did the offer say anything other than it was a free offer for completing the aforementioned survey. I decided to give my credit card information for the {$4.00} shipping and handling fee as XXXX XXXX is a well known and trusted merchant. As soon as that information was submitted, the web page " disappeared ''. I could not return to the survey page, the free offer page or the credit submission page. There was no information available as to the company that would be shipping the product or any way to contact that company to question or cancel the order. 
The only thing received to date are the unapproved charges ( XXXX separate charges in the amounts of {$44.00}, {$79.00}, {$94.00}, {$85.00} plus {$1.00}, {$2.00} and {$2.00} for " foreign transfer fees '' ) to our credit card. No product was ever received. We filed a claim with Bank of American on the first XXXX charges ( as they were the first to show on our statement ) Bank of America said they would look into the charges, and subsequently dropped them from our statement. On the following statement, XXXX more charged were incurred. When we contacted Bank of America on these charges they once again agreed to look into them but now the response from Bank of America is : " We requested and received a copy of the sale ( s ) slip the merchant provided as verification of the charge ( s ). '' I contacted Bank of America by telephone to explain again that there was never any product shipped and I had only approved a {$4.00} charge for shipping and handling for the " Free Offer '' product. Again, they responded by mail that, after further investigation, they have receipts for XXXX of the charges {$94.00} and {$85.00} and we would be responsible for paying. Now Bank of America is reopening the dispute on the first XXXX charges as well. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for 2015, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & 1681i of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval therefore, I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. It appears as though management and or other personnel employed by the apartments allegedly took the photographs. The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments therefore, I hereby request that the charge for damage to the carpet in the apartment be removed from my XXXX credit report. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because the lease ended on XXXX XXXX, 2014 and XXXX XXXX, a realtor in the State of North Carolina and manager of the XXXX XXXX Apartments in XXXX, NC used a writing instrument to manually change the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge or permission. 

I hereby request that the charge for carpet damage be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because after vacating said apartment, I hired an apartment cleaning service to clean said apartment, and I hired a carpet cleaning service to clean said carpet. After management and maintenance personnel from the apartments examined and approved the condition of the carpet and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in t 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have paid Our current mortgage on time for the past year. They refuse to report our good credit payment history to the credit bureaus ; However if we are late or if there was a problem they will report us for having bad credit! This has cost us the ability to be able to refinance a new loan because we have no positive payment history. The manager XXXX ( XXXX XXXX ) from Ditech has informed us that because of their contract with their parent company XXXX XXXX home mortgage they 're not allowed to report any good credit from the mortgages they acquired from the old company. We were advised by our state representative to file a complaint through your agency ... This situation is completely unheard of by everyone including the company we 're trying to refinance with, our lawyer or our state representative. The mortgage broker who was in the process of getting as approved for are refinancing has advised us he believes that we are the victims of a predatory loan or some type of illegal behavior on the part of our current mortgage holder.. We can think of no other reason for the mortgage company to withhold our positive payment history other than to force us to stay with their company and not allow us to receive a new loan that would save us thousands of dollars on a new interest rate. This is completely unheard of is very unfair. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I know I 'm being charged a very high interest with Ally financial for my auto loan, and the dealership that sold me the vehicle ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) charged me over {$7000.00} dollars more for XXXX insurance that I did n't ask for, along with an additional warranty contract in which I did n't ask for. My vehicle price was {$13000.00} but with the above additional charges my contract says my total financed is {$20000.00} along with a 15.45 % interest rate. I received paperwork regarding the settlement for and Ally has n't modified my loan, so I 'm still paying the same high interest rate, which I can not afford and this has affected my credit, to the point I ca n't even refinance with another lender due to the negative reports from Ally Financial on my credit report. I want to get out of this loan and have my credit report corrected due to the unfairness Ally financial and XXXX XXXX XXXX XXXX NJ has caused me to endure. It 's bad enough that I have been discriminated against because of my race, which I would n't have known about if it was n't for the information from CFPB, but this is affecting my credit in a negative matter where I ca n't even get a lender to refinance me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Can the bank charge you the new interest rate on an old charge that was subject to the old rate? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX XXXX who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX attorneys could n't offer any proof. 

If you take a look at my supporting documents XXXX my letter to the credit agency and XXXX letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired XXXX '' information from XXXX off my credit report. 

Many thanks, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit reports they have me down as having a bankruptcy charge and it 's incorrect and because I was late on a couple of bills my name was put on the bad credit list! After paying them off I 'm still on the bad credit list and I paid them off on time in fact early. So what can I do to get my name off or fix this problem please help me. Thank you for your time 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I realized I was no longer able to work, my condition had grown worse. In XXXX, I applied for Social Security XXXX Insurance, and in XXXX I applied for Credit Protection Services for my Bank of America Visa Card. Unbelievably, XXXX was easier to obtain. BoA started making frequent collection calls as I fell behind, but, no one could tell me what happened to my application or status for Credit Protection. BoA started making monthly negative credit reports on my account and closed my account, despite my request to keep it open while ( I thought ) my application for Credit Protection was processed. 
I was awarded XXXX XXXX. Once I started to receive monthly income, I started trying to make on time payments to BoA for my Visa account. BoA continued to make negative monthly reports, and frequently would change the date late payments were posted. My credit score plummeted. I could not even buy a bed to help my back. No one would tell me why I was not covered under the Credit Protection Service. In XXXX XX/XX/XXXX, I was able to make my last payment to BoA and $ XXXX my debt. To my surprise, BoA never posted the account was paid off, but, instead started posting that my account was overdue, 30, 60, 90 + days, when it was paid off. Then, for reasons I do not know, BoA offers to allow me to re-request Credit Protection Services, in XXXX. I completed the application with doctor 's signature. I also included my XXXX award letter, XXXX XXXX IME 's and proof that I was trying to work in XXXX XX/XX/XXXX. This time, BoA awarded my Credit Protection Services, and sent me XXXX letters, on accepting my XXXX start date and XXXX denying a XXXX start date, which was fine. I also received a check for {$910.00} for fees, which is great. 
However, no corrections have been posted to any Credit Agency to update and improve my credit scores. My credit is still very low, directly due to the negative reporting and lack of positive reporting by BoA. I have missed out on houses on the market to try to lower my monthly expenses and can not get any credit until these years of BoA 's bad credit reporting are fixed. 
I have documents but can not upload from my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I suffered a work-related injury in XXXX and am now permanently XXXX. My income has dropped substantially in the past 5 years and I am now on a low fixed income. On XXXX separate occasions from XXXX to XXXX I had zero income and had to use my Sams Club card to purchase food, thus running up debt out of necessity. I am currently in the process of attempting to pay down my Sams Club ( Synchrony Bank ) card, and stopped using the card some time ago. I have always made at least minimum payments and have never missed a payment. Despite this, my interest rate has been unilaterally raised three times in the past two years, and is now at 23.15 %. I called a Sams Club account rep today to file a complaint over the phone, because I am never going to be able to pay down this card when I am paying almost {$50.00} a month in interest and can only afford to pay the minimum payment + {$4.00} or {$5.00} dollars. They would not work with me, which I expected. In my opinion, Synchrony Bank is taking unfair advantage of recent interest rate hikes to gouge customers, especially those who are financially unable to make substantial monthly payments on their accounts. Therefore I am contacting the CFPB to file a complaint through which I might receive some relief. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX I contancted Experian, XXXX and XXXX. to remove comments regarding a dispute. I went on record to remove the comments that I was disputing. Because I was trying to refinance my home the comments where affecting me in obtaining a loan. XXXX and XXXX removed them immediately. Experian said they had to get ahold of the person who I was disputing an ambulance bill that was not mine but my husbands. Experian said I had to wait 30 days. I was very angry but waited the 30 days then they said they could not remove the comments because the collection agency said not to remove them. The comments where that I was disputing this item. the comments came from me. How can a third party tell Experian what to do with comments I generated. till today XXXX XXXX they do not want to remove the comment that says I am disputing that claim. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted Experian Credit Reporting Agency and explained to to them that the information on my report is wrong. They are reporting reporting that I owe a Balance from XXXX XXXX from an account that was opened up on XX/XX/XXXX. I never opened up this account. 
I told Experian three times this was in error. On the third and last time they said it was already disputed and I had my answer answer. 
XXXX XXXX XXXX told Experian that I opened the account up on XX/XX/XXXX and that it stands as is. 
Can CTPB ask XXXX XXXX XXXX for the paperwork showing I opened up and account on this date. 
I ask Experian to investigate this and they told me it had already been resolved through XXXX XXXX XXXX. 
If they cant show I opened up an account on this date in which I have ask for verification on three different times, then what can I do? Credit Report number is XXXX XXXX, report XX/XX/XXXX account number is XXXX ... .amount is XXXX Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I am reaching out to you in regards to the same complaint I filed back in XXXX 2015, Case number XXXX in regards to BSI Financial. Despite my contacting your agency, I still have no resolution to the issues that began with this company, falsely reporting to the credit bureaus for late payments which are not late. I have repeatedly attempted to talk with anyone in this organization regarding an explaination of the random bills being sent to me as well as threats to foreclose on my mortgage while the entire time I am making my payments by the end of the month and have every month and this company is cashing my checks. Just last week I received a bill claiming I owe them XXXX and three days later a reminder that I owe them XXXX. Nevertheless, this false reporting has cost me the ability to refinance my home due to XXXX lates on credit report and as of today, XXXX XXXX, I have not received a valid explaination as to what is going on with my money. XXXX person tells me my mortgage was short XXXX on a XXXX payment and the next tells me I missed an entire payment when I have in hand every cancelled check paid by them. In their system, I was told by loss mitigation, that a payment for XXXX 2015 was missed and that they had the exact amount of the check that was cashed had a negative mark next to it. I have the cancelled check for this as well as bank statement, all of which I have provided and still they come up with no answers. Each new person I talk to refers me to someone else who cant explain. In the meantime, I have missed three days of work with all of the paperwork and research time and I still have no resolution and am heading into financial disaster due to barely keeping up with this high mortgage payment. Will someone please investigate these people. 

At wits end!!! 
XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is sending me a bill for physician services, however I do not believe the debt is mine. I have asked for proof twice, that this is my bill. They still are not providing it to me, I do not spell my first name with a XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to Experian they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and Experian, I never received any confirmation from XXXX on the status of the 7 year fraud alert. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank has been reporting my account as 30-days late XX/XX/2015. However, this is factually inaccurate. I have made several attempts by contacting them by phone, speaking to numerous representatives in several departments, including supervisors, but have been unable to resolve this. I have irrefutable proof, confirming a payment was not due on XXXX XXXX, 2015, ( attached ) and copies of my credit report, showing it has been reporting as XXXX late. I have written letters to XXXX, XXXX and XXXX disputing the 30 day late reporting for XXXX, 2015 However, and somewhat incredibly US Bank continues to verify that as accurate. I have an urgent need to update my report accurately as I am in the process of securing a large, XXXX XXXX dollar construction loan and as a result of the ( 30-day ) late account my interest will be increased costing me an additional {$17000.00} thousands dollars over the course of the loan. 
Additionally, US BANK 's website was continually down in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015, not allowing me to make on line payments, and calling always had ureasonable long holds of over 10-15 minutes. Further, if you look at the XX/XX/2015 statement I have attached, it displays a balance of over {$5000.00} and the amount due as the same. This was a direct violation of the contract I had with US Bank. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ( I have no idea what your question about a " final response '' means in the context of Experian 's wanton & routine violations of the law. ) Earlier this year, I requested a copy of my Experian credit report and have not received one. I completed the form for a free copy on the CFPB 's website and mailed it to the address indicated. This was a few months ago now and I have not received a copy of the report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/16 I receiveda letter from Wilber & Associates, P.C. stating they were attempting to resolve a matter in an amicable fashion and that I would need to advise them immediately of insurance information or immediately send payment for insured loss. I had no idea what this was in regards to so I called the number on the paper and A man answered and was horribly rude to me. I asked for acopy of the legal claim and he said he wasnt going to waste his time sending a copy out if I wasnt going to pay it anyways, he then stated he would mark it as a refusal to pay and mvoe forward with his law firms steps. He told meto tell the person in the back of my phone call to be quiet because they were n't helping however I am not going to send a check for XXXX to someone who I dont know without an itemized info sheet on what those funds would be for. When the man hung up on me I called back 2 times to which a woman answered and said hold while I transfer your call and it was transferred two times with no answer. I called back a fourth time and finally spoke with the man I spoke to first and he very quickly said " I already told you what you owe before you can pay that over the phone and it is due by the end of the month, have a great day. '' and then hung up. 

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