AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A XXXX refrigerator was ordered from XXXX on XXXX/XXXX/2015 with the assistance of a Sears representative. The refrigerator was delivered on XXXX/XXXX/2015 and placed in service by the Sears delivery team. The refrigerator is unable to maintain the temperature that is required to prevent spoilage of foods and I have had to discard several food items because of this deficiency. I have requested XXXX to remove the refrigerator from my home but Sears has refused despite the fact that the refrigerator has a one year XXXX Appliance Warranty on it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for assistance in saving my home with my servicer, Shellpoint Mortgage Servicing, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed Shellpoint received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called Shellpoint several times for an update after the submission. No calls were ever returned. Shellpoint only returned the calls after the home had already foreclosed. 

I never received any approval or denial letters from Shellpoint until after my home was foreclosed on XXXX/XXXX/2015. My attorney finally obtained a copy of a denial letter from Shellpoint by fax on XXXX/XXXX/2015. My home was foreclosed while waiting for a response from Shellpoint. 

I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date and actually foreclosing my home. 

My servicer XXXX set a sale date before my timeline to appeal expired : Denial Letter dated : XXXX/XXXX/2015 ( Attached ) Timeline to appeal per denial letter : XXXX/XXXX/2015 ( Attached ) Sale Date set on : XXXX/XXXX/2015 - XXXX ( Attached ) My real estate attorney states RESPA Regulation X ( 1024.41 ) ( Copy Attached ) prohibits servicers from moving forward with an order of sale while under review or within the appeal period for loss mitigation. I feel XXXX Shellpoint Mortgage Servicing broke the law when they moved to order a sale date on XXXX/XXXX/2015. They should have waited until after XXXX/XXXX/15 to set the sale date. 

In summary, I feel I was illegally foreclosed while I was awaiting a decision on a loss mitigation application. My servicer purposely hid the fact they had denied me in order to evade allowing me to appeal the decision. They illegally set a sale date against me on XXXX/XXXX/2015 during the timeline in which I was supposed to be able to appeal. They did not allow me to appeal the denial by way of hiding it from me. I did not actually receive a denial letter until XXXX/XXXX/2015 ( Attached ), which is after they had already foreclosed me. I am sure Shellpoint XXXX will attempt to tell you that this is all a misunderstanding, but it is very evident it was on purpose. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit Management XXXX, has made repeated telephone attempts to collect a + {$200.00} debt on behalf of XXXX. The problem with their story is that XXXX auto debits my bill, and when I called XXXX, they said they never heard of Credit Management. 
The only other scenario I can imagine is that someone has stolen my identity, despite having a bank supplied identity protection service. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Experian Credit Report : XXXX, I am unable to remove inquiries from my credit report. 
The XXXX and the Credit Bureau are both no removing my name and informationfrom the Creditor 's file. I want the inquiries to be removed and permanently stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage through Wells Fargo. In 2012 they threw me into a mortgage modification. For a full year they threatened by mail and phone to foreclose on my home even though I made every payment on time. I had to call them every month on the day of my payment and give them my bank information. When is it was finally over I find out that they reported to the credit bureau that I had not made a payment in 9 months which really messed up my credit score. I have repeatedly reported that, that is not correct and have sent them information to prove that the reporting is wrong. This year I decide to do a refi on my house and find out that what was reduced in my mortgage through this modification has been but on my house as a lien. I also received an notice in XXXX that they were going to start foreclose process on my home for non payment, then received a email from them that said " oop were sorry we sent you that message. '' Again my harassment. So I went through a full year of threats and hell for nothing. Why is this being done to people? You hear about this big program to help home owner and it does is ruin you credit and create major problems. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to get my annual credit reports Monday XXXX XXXX, 2015. I was asked by the site " Annual Credit Report some question, most I think I answered correctly but when I pressed the next button, I was told my credit reports would not be fort coming. I seems that I did not answer all the answers to the computers liking. 
Many of the questions were really strange to me, such as what county 's have you lived in, I have lived in the county I now live in for over thirty years, one of the other questions was what make of car or cars have I owned. the County one got me for as you can see I have been in the county for over thirty years. 
When asked the questions that I was asked by Annual Credit Report, I am not sure what they want, since the really have no idea about me. They may try and lookup some information, but that does not me it is correct information, or that they have on their computer the correct information. 

I tried to call them but was unable to find a direct contact number where I would be able to talk to a live person and get this problem resolved. At the same time I tried to contact equifax and experian to talk to a live person, but constantly got told to go to their websites. 
I was able to contact XXXX XXXX an talked to a live person, and they told me that they would send a hard copy for both my wife and myself. 
At this time I feel that the Company that all three of the major credit reporting companies " XXXX, experian, and XXXX should be shut down, if I am having this much trouble trying to get my Annual Credit Report. 

Sincerely : XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2014 my purse was stolen from me with all of my banking information inside of it including my Pin number and account information to the TCF bank. As I went in to try and close the account and get a new credit card the bank had explained to me that a fake check was deposited into my account for {$2500.00}. I then filed a claim and a police report and also got my lawyer involved with this issue. I sent in multiple pieces of evidence showing that I was not the one who applied the fake check into my account, these are documents I still hold with me today. After sending in all of the information I had on the identity theft the bank came back and said that I am responsible for the incident and I have to pay the money back even though I sent in evidence showing it was not me. This has been going on for over a year now and is preventing me from making any further life changes with this on my credit report. I am not allowed to have a bank account and I am unable to find a place to live or buy a car due to this issue. I am not sure why during investigation they did not look at surveillance cameras or anything else to help solve my case but I can still prove today that I am not the one that deposited the fake check into my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Upon Auditing my Thank You Rewards Credit Card with a Supervisor at Citi, we discovered a huge discrepancy that no one can find out why but had an idea and was going to investigate. It turned out that balance transfers are done manually and can human error. ( Balance transfers from cards closed due to security measures ). Initial Audit Dated XXXX XXXX show discrepancy of nearly $ XXXX. NOW, after dissecting this to a minutia year by year for XXXX and XXXX, I find out I am actually OWED money, just over $ XXXX. I have evidence generated by Citibank.com of spend activity that supports this. However, my monthly statements due not reflect the true activities online. I checked all my other Citi Cards, the online activities AND billing statements match dollar per dollar. It is just this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: you have an address on XXXX in XXXX texas and i have never lived in XXXX texas there is also an account for time warner cable on my report and i havent had XXXX i have lived in XXXX texas for about 2 yrs now and was XXXX for almost a yr prior to that and they do not have XXXX in XXXX also it says it was opened in 2014 that is impossible since i have lived in XXXX during that yr and can prove it 

Company response: Company chooses not to provide a public response
Consumer complaint: Prior to declaring Bankruptcy-Chapter XXXX, which was filed XXXX/XXXX/2011 and discharged in XXXX of 2011, ( Docket # XXXX ) our account with XXXX XXXX was kept current every month, paid on time each month and never paid late.. 
Our recent credit report shows that Transunion has reported this account was past due for 75 days. 
We request that the past due column be changed to show a XXXX ... ..never paid late. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, I opened an account ( Savings and Checking ) with Citibank. On the advice of CITIBANK, the accounts were part of the " XXXX XXXX Banking '' package. Between XXXX and XXXX, I was not charge a monthly fee. 
However, I noticed in XXXX ( as I do not check my accounts frequently ), that starting in mid XXXX, I was charged XXXX {$25.00} per month. My numerous attempts to convert this account to a normal XXXX where I am not charged a fee, attempts to reverse the charges and also attempts to close the accounts through online chats with Citi 's representatives, international calls and messages, have been futile. Instead, I was repeatedly channeled from XXXX division to another, and even when I am in touch with the XXXX Banking Team ( they all do n't speak to each other ), I was told that I could not close the account unless I physically present myself at a Citibank branch in the XXXX ( I am now located in XXXX ), even though I could possibly open a normal account online that does not incur monthly fees. 
The constant inability of CITIBANK to resolve my issues or even assist to close my accounts and point me in the right direction is a violation of my customer rights, not to mention charging me XXXX {$25.00} a month when previously this did not happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: Open a charge account with XXXX ward back in XX/XX/XXXX.I have used the account in the past and paid the entire balance.However, upon realizing that such account was n't been reported to any of the corresponding agencies. I decided to close the account.In such case I contacted XXXX ward back in XX/XX/XXXX and asked that they close the account. 
However, XXXX ward has kept the account open. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I had home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XX/XX/XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX XXXXthe mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both accounts Balance were XXXX as of XX/XX/XXXX at the time of sale. 
Please correct this inaccurate informationI did submit to you the HUD and Pay off proof dated XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: A debt collection company that bought my student loan has been harassing me and my family members. The company is RAB Inc./Regional Adjustment Bureau Inc. , XXXX. XXXX XXXX, XXXX, XXXX XXXX. I called to discuss with them that right now, I am unemployed and I can not pay the amount they were asking for in full. I told them when I get on my feet, I would call them to set something up. I told them to stop calling my family members in and out-of-state looking for me and asking them where I work when they have my direct contact information. They had called my wife, my wife 's office, my mother-in-law and my sister-in-law after I told them to only contact me. I also asked them to erase the other numbers, which the agent claimed to do, but a week later, they were calling the others again. They also call from different numbers to try to get us to answer the phone. This has been going on for months and my wife even filed a complaint on the National Do Not Call Registry but it has n't stopped the calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX billed me for a policy I did not authorize. I received a bill from the company and knowing I did not request or authorize new policy, I did not pay it. Now it is in collections.I wrote XXXX XXXX for a copy proof of authorization, and they replied that they have it, but failed to show or give me a copy. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was going over my credit report and noticed I still have an account on there that was paid in full and closed back in XXXX of 2005 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since. 
I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me. 
I have not lived in the state for almost two years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX and XXXX was included in bk XXXX XXXX of virginia. They have transferred or sold debt to collection agency which in return is on my credit report in collections status. They stating the info is correct and will not remove out of collection or off my credit report. Now I getting collection mail for accounts that was discharged thru bankruptcy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I settled an auto repossession debt from 2010 ( i gave the car back because it stopped working because it was a flood damaged vehicle from Hurricane XXXX ). I paid the settlement amount to Credit Acceptance and they acknowledged receipt, and that the debt has been settled. The problem is I am trying to purchase a home and I need to have my credit report updated ASAP to reflect this information and Credit Accept refuses to release the information to XXXX XXXX. Despite the fact that I have authorized them to release the information. Every time XXXX calls them they refuse to release the info and I am told by the credit report people that Credit Accept is refusing to respond to electronic requests to update the information. This does not seem fair especially in light of the fact that the automobile was defective in the first place, and they said they would accept the car back to satisfy the debt ( but then they wound up putting a collection on my credit report ). When i call Credit Acceptance to complain they say they will cooperate with XXXX, but when XXXX calls they refuse to cooperate. I feel that Credit Acceptance is acting in bad faith. 

Company response: Company chooses not to provide a public response
Consumer complaint: recently, transunion made a reccomendation on my credit file not sure if they benefit from people getting new accounts or not .any way there reccommendation was for me to transfer my XXXX credit card XXXX saying it would save me money .there was no way for me me to check who the bank was i assumed cause they reccommended it that they researched it .after opening new card i go to transfer my balance they contacted me saying they we 're unable to transfer from one XXXX to another .i could n't close the account because it would hurt my account i called trans union XXXX call told guy hoping he was writing it down /putting in the computer i asked him he said no i asked if there was an XXXX speaking person cause i could n't understand him he said no .he gave me a fax which was n't working.i called back a XXXX answered again told her again no resolve .i was just trying to tell them that the reccommendations they make are false and to put up that on thier site to tell people because thier information hurts people credit 

Company response: Company chooses not to provide a public response
Consumer complaint: This account has been paid in full and should be removed from my account please verify and update my account 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a vehicle from XXXX. Byrider/CNAC Finanace about a year ago. Nine months into the loan, I had a major problem with the vehicle and it was determined that the entire engine had to be replaced. This car had previously been a flood vehicle ( which was never disclosed to me upon purchase ). I returned the car to them and informed them that I no longer want it. The remaining balance of the loan has become a major point of dispute. Since I have explained to them that they will not be receiving any further payments from me, they have harassed myself and my family ( whose numbers they have from my references when I originally purchased the vehicle ) to the extent of upwards 12 calls a day without leaving a message. My biggest problem that I just realized is that they have also been checking my credit score every month for the last three months for the sole purpose to only damage my credit with multiple inquiries. They have absolutely no reason to need to run my credit. I need the harassment to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Company : LoanCare Primary problem : the mortgage company failed to timely pay my property taxes ; I still do no know whether they have been paid ; the company has been unresponsive to my email and XXXX phone calls regarding the issue. 
Secondary problem : the company has incorrectly calculated my escrow amount ( by over {$300.00} per month ) ; again, the company has been unresponsive to my multiple inquiries on the issue ; based on a conversation I had with XXXX company representative, it appears the issue is a result of the company 's failure to calculate it based off the current tax assessment, and instead, the company just " guessed '' what the amount should be ; I need this issue timely addressed, as {$300.00} extra a month ( which is not actually necessary ) is not financially feasible for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Used multiple, aggressive forms of communication. I have unsuccessfully tried to resolve the debt of a monthly payment of 5 % of the total debt and pay the full debt, rather than a lesser settlement. They stated they would either only accept 10 % of the total debt as a monthly payment, or half of the total debt in full. When I did not agree and questioned options, they stated they would rather keep my account in collections on their terms rather than accepting any form of payment from me. Not only unprofessional communication, but rude and aggressive threats of retaliation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recieved my credit report from a car dealership, and it came out with a different name and address. I also went onto my credit karma account and checked if there was anything unusual about it or any loans that I may have not known about, and there was a mortgage loan under the name of XXXX XXXX, with my social and it was on my account. The person was also making on time payments. Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian maintains a " blacklist '' of consumers it will not allow to access their credit disclosures online. This " blacklist '' maybe be punishment due to a consumer previous filing a CFPB complaint against Experian and / or it may be to generate increased revenue by forcing consumers to pay for additional disclosures since while denying access to disclosures for dispute purposes, if one pays they will allow the individual online access. On XXXX/XXXX/2015 I obtained a free FCRA copy of my Experian disclosure online. Experian specifically allows consumers to view their disclosure again in the near future also online by entering their report number. However, Experian refuses to allow me to view my report again for purposes of disputing a multitude of items that Experian is reporting incorrectly. Instead, if I want to dispute online I must pay {$12.00} to purchase another copy of my Experian disclosure online. I have previously phoned Experian and they have informed me that I am in indefinite " special handling '' as " punishment '' for having filed a previous CFPB complaint against Experian. Experian in their response will state that they have security measures which dictate when online access is given. Experian, in my case, is a liar. If security measures result in not being able to dispute online, then why do these same security measures not prohibit one giving Experian money and obtaining their disclosure to dispute online. Experian is simply retaliating against me and countless others who file CFPB complaints against Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owed debts to XXXX for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but trans union still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid 

Company response: Company chooses not to provide a public response