AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My equity line from XXXX XXXX ending in XXXX was reported XXXX XXXX late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Home Depot consumer credit card was past due because of a quick prompt in the online account.. some how authorization of paperless statements was selected and thus I never received notification of payment due by mail. This is a joint account I rarely use. I need a statement or phone notification to alert me a payment is due, not an email to that ends up in spam. In XXXX years I have not had a late payment and I am frustrated by the irresponsibility of the creditor to not insure consumers are receiving statements and able to make their payments on time. This creditor advised me when I called that incompetence is a regular occurrence and their system in not perfect and that many consumers do they not realize they are electing for wireless statements. Is it not the creditors responsibility to be sure their consumers want to be billed this way especially since this is an option and not an account requirment??? 

Company response: Company chooses not to provide a public response
Consumer complaint: My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month. 

Company response: Company chooses not to provide a public response
Consumer complaint: My student loans have been forgiven XXXX and the creditor XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Transunion and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to each creditor.
Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has not deleted a Tax lien that was filed in error. I disputed this XXXX times with the Transunion only for it to come back verified. I have provided XXXX letters from the original creditor ( XXXX ) explaining how it was filed in error. I have also provided a letter from the source ( XXXX County Recorder ) also indicating it was filed in error, yet it remains on my credit report. XXXX and XXXX removed this item immediately upon receipt of the documenation I have attached. I am asking requesting intervention by the CFPB to act for removal of this tax lien clearly filed in error. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I signed a " Retail Installment Contract '' with Service Finance Company , LLC for the purchase of new laminate flooring for our property in XX/XX/XXXX, with a set payment amount each month. When we began the process of selling our home in XX/XX/XXXX, we discovered that a lien had been place on our home for a past due payment to Service Finance in XX/XX/XXXX. We never received paperwork or notification of this lien. The loan balanced was paid in full when we closed on our home in XX/XX/XXXX. Service Finance, LLC ensured us that this loan was only an installment loan and was not tied to a mortgage on the dwelling, however, the credit bureaus have this loan classified as a mortgage account. Service Finance, LLC will not appropriately reclassify the account after multiple attempts to resolve this error at the consumer level. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This is an old XXXX gas card. I told this same collection agency and XXXX, THIS card was used by another person for unauthorized use. 
I had a cousin who i helped, unfortunately HE used this card without my permission on numerous occasions. After he moved he wrote me and told me. 
this collection XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone called me up and told me I had a debt. They wanted me to go to their office and make payment arrangements. I asked for an invoice or a bill and they stated they would give me somthing in writing after I paid the bill. I told them the law requires that I receive something in writing regarding this debt within 5 days of intil contact. They sent me something in writing stating that I had 5 days to pay the debt in full. I do not believe this is right. Am I not allowed at least 30 days to refute and/or accept the debt once I receive written notification? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in a short sale. XXXX is the XXXX, and XXXX is the XXXX, being serviced by NCI ( Nationwide Credit ). XXXX is allowing a payout of 10 % of the purchase price to the XXXX, and not only is NCI demanding 20 %, they are saying that the value as determined by XXXX is too low and they are trying to make my agent COUNTER the XXXX back to RAISE the offer price. Why are they doing this? My agent is stuck and now tells me I will go to foreclosure because the XXXX wo n't follow any of the standards of practice with short sales. The payoff to the XXXX has NOTHING to do with the value of the property, and my agent has escalated this directly to XXXX and asked that they oversee what 's going on at NCI. They say they can not. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My ex-wife and I refinanced our home in 2008, and I believe the appraised value of the house was inflated to get the loan approved. As a result, we have not been able to refinance since more is owed on the house than it 's worth. I have previously submitted a complaint here, but Wells Fargo did respond but could not do anything to lower the interest rate which is currently over 6.5 % I believe that I did n't include the key point that the mortgage broker that we originally used appraised the property at $ XXXX, which it never should have appraised for. Wells Fargo bought the loan, put it in their securitized mortgage portfolio and that 's where it sits. The loan is n't eligible for the government refinance programs out there because of this, and Wells does n't want to do anything to help us because they are making a ton of money. Is there any way to look at this from the appraisal perspective? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been getting automated calls from ( they say ) Citibank for someone who does not and has never lived at this address/phone. After following prompts to indicate that they have reached this number in error the calls just kept up, several every day. They give a phone number to call if the automated system does n't take care of the problem. I called that number ( XXXX XXXX ) on XX/XX/2015, was connected with a pleasant operator who apologized for the problem and was told my number would be removed from the system immediately, this did not happen, the calls not only have kept coming but have increased in frequency and have even started coming in the middle of the night. I have never been a Citibank customer and I do not know anyone with the name of the person they say they are trying to reach. I really would like to see these calls stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. 

The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ... 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX XXXX bought my private loan servicing contract from my lender XXXX Bank, XXXX. I never agreed to this, but do not have an option. I have been in XXXX school for the last XXXX years, and at the start of each semester am harassed for a payment despite automatically being entered in the XXXX XXXX XXXX. An auto-dialer calls both me and my co-signer at least XXXX a day, states " this is XXXX XXXX '' and hangs up. This is not the complete message, and when I call to request a stop to the calls I am told they can only provide temporary relief. I am also told I may not speak to a manager, and I may not have the phone number for XXXX Bank. XXXX Bank charges late fees, which I have no recourse to dispute since XXXX XXXX will not remove them, and will not give me contact information for XXXX Bank. The automated phone calls are harassment and the late charges and inability to escalate a claim are unconscionable contract terms. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received multiple invitations to apply for a credit card through AAA XXXX XXXX XXXX New York Visa Signature. The review was performed by Bank of America. I received a decline notification in the mail stating they were unable to approve my request because I had a current or past delinquency on my account ( XXXX ) with BOA or their affiliates. I was stunned and immediately pulled a free copy of my credit report from XXXX. XXXX was used by BOA to assess my credit worthiness. After pulling my report, my report confirmed NO POTENTIAL NEGATIVE and I had XXXX ACCOUNTS IN GOOD STANDING. I also reviewed every single account status on my XXXX page XXXX Credit Report which again confirmed for each account listed : PAID CLOSED NEVER LATE or OPEN NEVER LATE. I even assessed the payment history listed for each account on my report which again did n't show anything derogatory. I attached a copy of the decline notification I received from BOA along with my report summary from XXXX confirming " XXXX Potentially Negative ''. I am honestly insulted and concerned by BOA actions. 

Company response: Company chooses not to provide a public response
Consumer complaint: My student loans have been forgiven due to XXXX and the creditor ( XXXX ) responded to the dispute telling the agency to delete the accounts from my report. I have called XXXX and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have mailed in my information to the bureaus advising I am not disputing the information on my credit report however, I still have accounts showing they are in dispute and they should not be. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/2015, I called citi to close my account ( paid off with zero balance ), and citi call agent ( Name : XXXX, agent id : XXXX ) gave me a hard time refusing to close my accounts and after XXXX mins of me begging him it was still not clear if my account was closed or not. 
on the same day, XXXX/XXXX/2015, I had to fill a CFPB complaint hoping citi can respond and close my account. Case number : XXXX. 
on XXXX/XXXX/2015, citi responded and claimed my account was closed. But I checked online and my citi online account showed " This account has been converted to a new number. " on the same day, XXXX/XXXX/2015, I followed up on my CFPB complaint to dispute, hoping citi can take real actions to close my account with no further delay. Unfortunately citi did n't respond. 
on XXXX/XXXX/2015, I received a letter through mail from citi celebrating my account has reached 1 year anniversary, stating " your account has been current for the past year. we are confirming that your citi AAdvantage gold world elite master card account has been in good standing for the past 12 months. during that time, you 've kept the account current under the terms of your card agreement we appreciate it. we are working hard to serve you, and we 're always look for ways to do more. feel free to contact us if you have ". A scanned copy is attached XXXX. 
Seriously, citi? I have only XXXX suggestion which you failed for weeks : CLOSE MY ACCOUNT! I would never ever have anything from citi, given this horrible experience. 

When you book future customers, I wish you inform them what process you want your customer do to close their account with you for real? I can fill as many as CFPB complaints, given you do n't address follow-ups. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have mailed in my letter advising I am not disputing anything on my credit report, however, there still remains disputes on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Letter sent to me pertaining to my DEAD husband 's account. My husband died on XXXX XXXX, 1991 ( almost XXXX yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider XXXX yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called Credit Protection Association has been calling me for the past week with an automated call telling me that I owe a debt. A debt for what I do not know. Even if I answer them when they call ( and they may call several times a day ) all I get is a recording asking for an account number. They ask for an account number that should be listed on a letter, however I have never received any letter from any company by this name. Their automated system also allows to find your account number based on your phone and zip code. However when I enter this number all the recording tells me is that my account is closed. 

I have no idea what this is about, I just want it to stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting on report XXXX account is reporting wrong date of XXXX delinquency. XXXX account was sold/transferred XXXX times. Date of XXXX delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently Opened an credit card account with bank of America, my bank of at least XXXX years. 
The problem I am experiencing revolves around the opening of such account.Despite of been a loyal customer to bank of America. I believe I am being treated to a different standard, since the conditions set forward by bank of America for opening the account were in my opinion simply not fair. Considering the fact that I have excellent credit history and the card I was approved for was for individuals trying to establish credit. Furthermore bank of America has fail to report the account to any of the XXXX credit reporting agencies.Despite the fact that the account has been open for more than XXXX days and I have made bank of America aware of such discrepancy.Last is the fact that bank of America handles my checking account as well monthly bill pay, which would suggest that they 're well aware of the fact that I fulfill my financial responsibility. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX judgments on my credit report affecting my application process with future prospective landlords. The last name does not match mine or the addresses or date ranges and information that was provided by past landlords. XXXX landlord name I do not recognize but address matches to a location I lived XXXX years prior to judgement claim. Ultimately names and information do not match and also unknown. 

Company response: Company chooses not to provide a public response
Consumer complaint: lender charged my bank 2 days before agreement. Then charged XXXX times in one day, racking up insufficient funds fees 

Company response: Company chooses not to provide a public response
Consumer complaint: I and another person had gotten in an accident on XX/XX/XXXX. I filed a claim with My insurance ( XXXX ) and they took care of everything. XXXX XXXX, the company of the other person n the accident, is using Recovery Partners LLC to collect a debt that has already been paid in full. It is concerning a claim that they said happened on XX/XX/XXXX. It happened on XX/XX/XXXX and my insurance XXXX too care of it. They have been rude, threatened to take away my license if I do n't pay the sum of {$2500.00}. I am and was insured on the date of the accident. Do not use XXXX as they use strong arm tactics and try to make you pay a bill already paid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX I called Sears Card to pay off and close the account. I approved an electronic payment thru my bank. On XXXX my lender drew a credit report which listed me as past due XXXX days. on XXXX, I called Sears Cards and was told that the payment of XXXX failed due to incorrect a/c #. at that point I authorized a new payment for the then balance. I asked that they contact the credit reporting services and advise them of the error, I was told that this would take 7-10 days. On XXXX I received XXXX letters from Sears stating that the account had been brought to a XXXX balance, but the Credit reporting services had not been advised. I 'm trying to secure a substantial loan, for a new home, my credit score has been dropped by XXXX points. I need the corrected, and I need it Quickly. I 'm paying rent until my house is started. I would appreciate your help in this matter. thank you.. 

Company response: Company chooses not to provide a public response
Consumer complaint: well XXXX month ago I found out a car that I co-sign for was very delinquent so contacted the creditor a settlement they refused and demanded full payment I did not have XXXX so I felt I should do the right thing and make payments because after all I did co-sign for the loan. The payment is XXXX which I do n't have and it has really put a undue burden on me. I wait for XXXX month and requested the creditor to update their credit files, because the report is now showing inaccurate balance and this is very misleading informationI, I was told the only way they will update any payments to this account if it was paid in full. ( balance ca n't be correct ) therefore i had no choice but to requested Transunion to remove all the inaccurate and misleading information from my credit report these inaccurate details have adversely affected my credit worthiness and hampered my chance of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) I demanded transunion to re-verified and removed the inaccurate information. I provided them with prof of payments. I continue to send payment each month. They refuse to remove the inaccurate information this is damaging me severallythis is clearly a violation of the FCRA credit reporting act I provided prof of payment and the creditor is still saying owe the same amont of money there is clearly something wrong herethere 's discrepancies in the amount owe therefore by law it should be removedfor the according to the FCRA it should be totally removedthe company can not refused to update clients account if they are receiving payment this does not comply with the laws they are in total volition of the laws of the Fair Credit Reporting Act 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX FRAUDULENT CHECKS ( ACCESS CHECKS ) LINKED TO MY CREDIT CARD WERE PRESENTED TO MY BANK XXXX BANK OF AMERICA XXXX FOR PAYMENT. I DID NOT WRITE OR AUTHORIZE THESE CHECKS. THE CHECKS WERE RETURNED STAMPED EXPIRED. THE CHECKS CONTAINED AN EXPIRATION DATE. WHICH HAD PASSED 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a dispute with Experian. Within XXXX days I received a response that that dispute was closed/ resolved. Nothing ever changed. Both XXXX and XXXX removed the items from my report due to it being false information. Experian did not investigate the false information and has not removed it from my credit report with them. When I called Experian the representative said they do not do disputes and I was basically out of luck. These items on my credit report are false, and how do I get them removed if Experian will not do an investigation? 

Company response: Company chooses not to provide a public response