AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: It seems to me that my paid hospital bills still show up with a balance and bills I paid off back in XXXX still appear. I am desperately trying to improve my credit score and I called Transunion and was told to contact my creditors. I did that and each creditor informed me that they had in fact sent " hard updates '' to the agencies and I asked that they resent those updates which they did. Since we are now at the end of XXXX, I have no idea why my credit reports mainly show updates from XX/XX/2015. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for a Reverse Mortgage at Urban Financial Of America. Send in every document that was needed to complete the process. The loan officer XXXX XXXX mention to me.he did not know how to work on a purchase reverse mortgage but the company will complete in a.couple of weeks. This was the first week in XXXX. They waited the last minute to do the appraisal. The company asked me XXXX separate occasion for the same documents. I spoken to various levels of commands in the company still nothing. My identity was stolen 2 years ago.submitted the police report and other documentation of that incident. They were fine with that. I was told at 2 weeks ago that I had to pay for half of the appraisal. If I was told.in XXXX it would have been done in XXXXEverything Received the Good Faith Estimate in XXXX. I signed all documents and returned them. Conference calls up my Broker and Urban Financial Of America. UFA makes excuses at the last minute why they missed the call. 
I am a very frustrated consumer. I NEED your HELP. I do n't want to lose this property. I want settlement no later than Wednesday, XXXX XXXX I do n't want to loose this property 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been living in my property over 8yrs, got into some financial difficulty due to medical condition. I was only 3 months delinquent and I sent XXXX payments in that was sent back to me. I have been waiting for almost a year to get some type of assistance which made them charge me more late fees along with attorney fees. I was recently denied for options due to the amount of months they are stating I am delinquent ( over 12 months ) I disagree and in addition I was not given the option of a partial claim nor a repayment plan. I attempted several times to contact them and was told to call there lawyer. I was never served a complaint to negotiate the amount i owe to this date. I am appealing the decision made of denying me any and all options with the acceptation of selling my home. I am not happy with the results of this mortgage/servicer company. 

Company response: Company chooses not to provide a public response
Consumer complaint: BANK OF AMERICA CLAIMS TO BE THE OWNER OF MY MORTGAGE AND SO DOES XXXX XXXX XXXX, BOTH OF THESE ARE LISTED ON MY CREDIT REPORT AS OWNING THE EXACT SAME DEBT, MY HOME IS IN FORECLOSURE FOR NEARLY 4 YEARS NOW AND SET TO BE SOLD ON XXXX/XXXX/15 WITH NEITHER OF THESE ARE THE CREDITOR!!! BOA IS THE PLAINTIFF AND IS UNDER REVIEW WITH XXXX OFFICE. 

Company response: Company chooses not to provide a public response
Consumer complaint: Prior to being late with XXXX {$110.00} zero-interest motorcycle loan payment to XXXX XXXX XX/XX/XXXX, my credit score had been in the high XXXX. As soon as the late payment came to my attention, I immediately made up the payment in XX/XX/XXXX, however by then that mistake had caused my credit score to drop by XXXX points. After contacting XXXX about this their initial response was to go speak to the credit reporting agencies because " there 's nothing we can do about it '' while the credit reporting agencies would say the same about XXXX XXXX. Extremely frustrated, I wrote them an angry email, to which they sent me a letter acknowledging their mistake. However, my credit score is still in the low XXXX and my payment and credit history has been stellar as before my late payment. My wife and I are very upset about this incident - since we are trying to refinance, my much lower credit score is affecting the interest rate that we 're being offered by as much as one percentage point. 

Attached is the letter acknowledging their " system error '' and my FICO credit score history from my most recent XXXX XXXX statement. As you can see my score was an XXXX prior to the one late payment, and even though as of XX/XX/XXXX it shows that it 's gone back up to XXXX, for a reason that no one seems to be able to explain, this score is not reflective of the score that the lenders see when they pull my credit ( the lender is using Transunion 's Classic XXXX FICO model ). My median credit score provided to lenders is still XXXX, which is still too low to qualify for an optimal interest rate. I wish someone could explain to us why there is more than a XXXX point difference between what the credit score I receive and what the lender receives. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report states that I have an outstanding balance with XXXX. That balance has been paid in full and I have the documentation to support that. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have taking a loan with Ally financial inc. who I believe are violating my XXXX rights. They recently repoed my vehicle again. Every month I get my XXXX check on the XXXX. I have repeatedly asked to move my due date to that date so I will not get late fees. They refuse because I 'm over due on my balance. My husband has FMLA with his employer so when he misses work to help me because i am a recovering XXXX XXXX patient he loses pay when he calls off. Ally harasses me by phone, they have already been sued for racial discrimination case with the interest rate. I do not recommend this company to anybody. I feel they are taking advantage of me because of my XXXX and continue to charge me late fees instead of moving my due date to my pay date so I can be on time. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. 

Remove this outdated item XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2014, XXXX XXXX XXXX put a hard hit on my credit report that was unauthorized. Mid to end of XXXX 2014 XXXX sent a request to the XXXX consumer reporting agencies to have the inquiry removed. Trans Union is still reporting this inquiry even though it was supposed to be removed. This inquiry is negatively impacting my credit score and I would like it removed, as it was supposed to be done over a year ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: Apartment Lease ended - we provided 60 days notice as required by leasing agreement. Removed all personal items and clean the apartment and return all keys. 

Paid remaining balance to Landlord. Landlord sent an itemized bill. Attempted to obtain clarity, no resolve. Filed a civil suit in court and judgement for Defendant. Paid the amount of XXXX via Check. 

Called landlord and settled the amount owed and paid via check. 

Now - have collection agency call me about the same debt. 

Hunter Warfield ( XXXX ) XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XX/XX/XXXX2015XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: They have received no response. I can not logon online to enter dispute due to incorrect information about a mortgage on my credit file. Transunion has incorrect information on my file and is now making it very difficult to report it. The following information is incorrect and not mine, so unless proof of my signature is provided it must be removed from mu report. 
1- XXXX XXXX XXXX # XXXX - DO NOT KNOW OF THIS2 - XXXX # XXXX AND # XXXX THESE ARE NOT MINE AND SHOULD BE REMOVED FROM MY REPORT. 
3 - XXXX XXXX XXXX # XXXX - THIS IS NOT MINE AND NEEDS TO BE REMOVED FROM MY FILE AND REPORT. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was XXXX {$5.00} charges on XXXX XXXX, 2015, then on that day I transferred funds to my other bank account removing {$120.00} instead of {$20.00}. I expect that my mistake would cost {$35.00} for the one problem however at close of day although the XXXX {$5.00} XXXX purchases were a small amount and there where plenty of funds to cover both, the {$120.00} was processed first to ensure XXXX chargers of {$35.00}. That is over {$100.00} fees for one mistake. The bank, knowing I have had issues in the past feel they can not make an exception. I do not feel this is a fair way to do business, 

Company response: Company chooses not to provide a public response
Consumer complaint: This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I mailed this company a formal dispute letter with my current address on XXXX XXXX 2015 hoping to get a copy of the original debt today XXXX/XXXX/2015 I contacted the company to advise them that is has been over 30 days and I should have got the documents back by now I spoke with XXXX and XXXX XXXX and she advised that she sent the paperwork to an old address even though my current address is clearly printed on the dispute letter I sent them. I also advised them several times this is not my debt and also not to send me anymore emails with company jargon that I ca n't understand. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I found today Experian had charged my credit card for " Experian *ProtectMyID XXXX CA {$39.00} '' I did not sign up for this service ; I already subscribe too XXXX XXXX, and credit monitoring service who guarantees XXXX dollars if your identity is stolen and your credit has been used and they do n't alert you. 
Well my identity has been stolen and if XXXX and XXXX credit reports look like Experian 's treatise XXXX pages front and back report along with XXXX financial company inquiries I 'm really going to be toast but I digress. 
I contacted Experian this morning and they will not cancel this service until XXXX, 2016 I have no idea why this a magic date but that 's what the customer service representative said. 
I would like the unknown service stopped and my money return to my credit card prior too XXXX, 2016. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Wells Fargo Dealer Services keeps placing insurance on my vehicle after I have provided proof of insurance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has an option on their Automatic Payment web page that says in essence " if my bill is over {$1000.00} - do n't pay it. '' So you think you are setting up an automatic payment, when in reality you are actually telling the site to automatically not pay your bill. Then, when your bill is not paid, Bank of America charges you a {$25.00} late fee. This seems like a deceptive business practice designed to trick people into missing payments in order to generate income for Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: i keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, My name is XXXX XXXX XXXXMy problem has been going on for sometime. XX/XX/XXXX to be exact my orginal loan was with XXXX, then XXXX XXXX XXXX, and it is presently with HBC and is being serviced by Select Portfolio Servicing Inc, at XXXXXXXXXXXX XXXX XXXX XXXX, the person I am talking with has changed from a man to a woman named XXXX who is the new : XXXXXXXXXXXX My loan number is : XXXX. My address is XXXX XXXX XXXX XXXX, XXXX Or. XXXX, my phone is # is XXXX XXXX XXXX, my email is XXXXXXXXXXXX I have sumbitted the requested documents over and over again for home retention modification. I have participated in foreclosure mediation a year ago. The process was a sham. I have a XXXX in XXXX and XXXX in XXXX XXXX. I took the training for XXXX and observed the process of creating XXXX program and was not allowed in but a student of mine was. I knew that would happen, based on the nature of the mediation system lacking in cultural diversity. It is to much to go into here but to sum it up, banks rule the process and everyone has dance to the tune the Banks play. I found that this new CFPB is the final remaining thing I can do to try and save my home. My interest rate has been 8.99 % since XX/XX/XXXX and even though I have requested relief over the years from this inflated interest rate nothing has been done to provide a fair interest rate at a time when interest rates are a historic low. I lost a lot during the economic downturn, my ex wife died, I became a single parent. I had a XXXX XX/XX/XXXX. I got a on call job at XXXX as XXXX. I am trying to keep my XXXX going which I have had for 15 years. I have worked throughout the world XXXX in the field of XXXX. I am requesting assistance in remaining in my home. I am a XXXX year old XXXX man and it was difficult getting to this point. But here I am with a XXXX year old daughter and dog, and we are able to make it in XXXX after 25 years here I have support system. If I can get a fair loan modification with a fixed Interest rate I should be able to avoid foreclosure. I have tried to submit requested documentation via XXXX as told to and I keep getting the same documentation over and over requesting something I had submitted before. I think it is not a good process how they can just deceptively correpond and drag out my time before foreclosure sale date. I am requesting assistance from the CFPB. They are requesting what a tax request form, a social security award letter my taxes all have been sent in addition to the application for HAMPP modification with all supporting documentation regarding paystubs, bank statements, hardship letter, rental agreements. I am at the end of the line here. I am happy I found this new office of CFPB. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Problem with bank producing evidence of a contractor filed a certificate of completion to have the funds released who has claimed he has finished his job and collected from a credit account # XXXX -- XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Property damage due to snow load in XXXX 2015. Insurer sent check payable to us as homeowners and mortgagee of record, Wells Fargo Bank. Check was executed and forwarded to Fargo whom received same on XXXX/XXXX/15. Prior to this, all required documentation forwarded to and received by Wells Fargo. We requested to be named XXXX on the property repairs and were initially allowed by Fargo XXXX see paperwork ) and informed on XXXX/XXXX/15 that a check would be issued and requested overnight. On XXXX/XXXX/15, I was informed that a check was not issued as I must have been given " incorrect information '' that we would not be able to be the XXXX on the project and unless they ( Fargo XXXX received a new set of documentation, no check would be considered. Also, the initial check would not exceed {$10000.00} XXXX which is less than 25 % ) and even though I had previous access to their website XXXX XXXX XXXX, I was not granted any further access due to being in a " modification '' status and all communication would needed to done over the phone or that they ( Fargo XXXX would contact me. If a check were to be issued, initial repairs and monies would be need to be provided by me as the homeowner and any monies due to my independent adjuster would need to come out of my own pocket without reimbursement 

Company response: Company chooses not to provide a public response
Consumer complaint: PARENTS CUSTOM BUILT A HOME IN XX/XX/XXXX. THERE HAS BEEN SEVERE DAMAGES ON GOING WITH THIS HOUSE. IN XX/XX/XXXX, THE DAMAGES MOUNTED OVER XXXX. MY MOTHER WAS FORCED INTO TAKING OUT A REVERSE MORTGAGE IN ORDER TO REPLACE THE ROOF IN XX/XX/XXXX. IN XX/XX/XXXX, XXXX, WE FOUND OUT THAT THE MAIN SEWER LINE RUNS ALONG THE LEFT SIDE OF THE HOUSE WITHOUT AN EASEMENT. IN CONTACTING THE ENGINEER DEPARTMENT FOR THE CITY, WE WERE INFORMED THAT THE CITY OWED US A GREAT DEAL OF MONEY AND THE TAXES WOULD BE TAKEN CARE OF BY THEM SINCE WE WERE FINANCIAL BROKE BECAUSE OF ALL THE DAMAGES WE PAID FOR OVER THE YEARS. AS OF XX/XX/XXXX, THE REVERSE MORTGAGE FORCLOSED AND SOLD OUR HOME WITHOUT OUR KNOWLEDGE. WE HAVE BEEN WORKING CONTINUELY WITH THEM OVER THIS PROBLEM. WE HAVE SENT THEM ALL DOCUMENTS SHOWING THAT WE HAVE AN EXCELLANT CASE FOR FRAUD AGAINST THE INVOLVED PARTIES. THEY INFORMED US THAT THEY DIDNT CARE AND WAS N'T THEIR CONCERN. MY MOTHER HAD XXXX THE DAY BEFORE THE HOUSE WAS SOLD. HER HEALTH IS FAILING GREATLY AND IS FACING ANOTHER XXXX IN XX/XX/XXXX. I HAVE SUPPLIED THEM WITH A DOCTOR 'S LETTER STATING HER CONDITION TRYING TO KEEP US FROM HAVING TO LEAVE AT THIS TIME. THEY WILL NOT BUDGE. THEY EXPECT US OUT BY XX/XX/XXXX. ALL THEY CARE ABOUT IS THAT THIS IS A GOVERNMENT BACKED LOAN AND WOULD RATHER GET THEIR MONEY FROM THE GOVERNMENT INSTEAD OF THE TRUE RESPONSIBLE PARTIES. THESE PEOPLE ARE DESTROYING MY MOTHER AND THEY ARE NOT EVEN WHO WE DID THE REVERSE MORTGAGE WITH. I DESPERATLEY NEED HELP. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: wellfargo. took money form my checking account. and in stad of puting it in my mortgage account it put it in my principal that was over {$15000.00} in the account.know i cant pay bills and mortgage on time.thats was whit the money was for.I went to tell them whit happen and said day coud not do anyting about it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a medical bill on my credit report. I carried state insurance at the time of the services. I contacted the doctors office and it was to be taken care of. Now its listed on my credit report. I called the debt collector and explained the situation and asked that it be disputed. She refused to dispute it and hung up on me. The creditor information isCredit Management Company ( XXXX ) XXXX am dumbfounded to be treated so rude and I am upset that my rights were refused. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Back in XX/XX/XXXX I lost my job and started applying for a HAMP modification with Wells Fargo. After months and months of supplying them with documentation I was told that I was not approved for a modification. As of recently I had seen that people were complaining about their applications being denied when they should have been approved and decided to research my HAMP application again from XX/XX/XXXX. Wells Fargo again told me I was denied a modification and that XXXX XXXX had denied me. Since I was not getting any answers working with Wells Fargo I decided to follow up with XXXX XXXX to find out why my modification was denied. Much to my surprise I was told that my applicatoin was actually approved for a modification to 4.625 % XX/XX/XXXX for 40 years and my new payment would have been {$1100.00} a month. They cancelled this modification base on an email from Wells Fargo XX/XX/XXXX instructing them to cancel this. When I brought this to the attention of Wells Fargo they stated that they did not tell me abou the modification because I was making my payments and therefore I could afford my mortgage so I was not entitled to a modification. My belief is that this goes against all principles of HAMP. Was n't the program put in place to make the mortgage payments more affordable? Why did Wells Fargo have the authority so hide my approval for a modification from me when this would have helped me out financailly. I was forced to refinance on my own and it cost me a great deal of money which I would not have had to spend if Wells Fargo informed me I was actually approved by XXXX XXXX for a modification. Also, if XXXX XXXX owns my mortgage and is the enforcer for Hamp how does Wells Fargo have the right to just decide to override what they say and not communicate with me their findings. In speaking with XXXX XXXX 's escalation team the also sent a complaint to Wells Fargo but Wells Fargo only states that I was making payments so they did not offer me the modification. How many others has Wells Fargo possibly affected by not disclosing to the customers that they were acatually approved for a modification. Wells Fargo continued to hide this from me even when I asked for reviews of my file. If they felt like they were justified in not offering me the modifcation why did they never communicate to me that I was approved by XXXX XXXX? Why did I have to dig this information up on my own. I truly feel like they know they did something wrong by not following the guidance of XXXX XXXX and offering me the modification but they do not want to adm it it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, XXXX XXXX obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked XXXX XXXX to provide me with the date and amount of the last two payments on the original Citibank account and they refuse to. I have contacted Citibank the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!! 

Company response: Company chooses not to provide a public response