AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I requested a credit report, trans-union report has information that does not belong to me. XXXX and XXXX reports could not be accessed because the security questions I answered had information that was not submitted by me. Addresses and XXXX of the XXXX phone numbers added in 2008 were not associated to me. My name and identity were used unknown to me by someone else. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On the XXXX of XXXX I made a payment for {$600.00} to my mortgage company ( SunTrust ). I made that payment using my banks web-site service. On the XXXX I made another payment using the SunTrust ( ST ) web-site. That payment got lost and they claim they never received it. I contacted SunTrust and informed them that I had a tracking number and the money was taken out of my account. ST told me they have not received it and that their web-site takes you to a third party when I make this kind of payment and they have no control over it. I was also told to fax my account statement to prove my complaint. After getting no where I was able to talk to management and I was told my second payment was mailed instead of being sent e-pay by third party which provides this service for ST. She told me that she would waive the late payment and she was sorry. On XXXX XXXX, received an email stating next payment due for XXXX 2016 is {$1100.00} so I assumed the problem was corrected. On XXXX XXXX, 2016 I received another e-mail that a payment of {$2300.00} is due now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a late payments on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, these late payments would have come off as I was never late on these accounts. I am not receiving proper correspondence from the bureaus and at no time have I received proof of late payments reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX XXXX TRANSUNION. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: While trying to get the Balance, Address and Phone number so that I can supply information to the collection agency servicing my XXXX smartconnect account, I was given a new number with every contact ( XXXX different numbers ). Each contact either refused to give or stated they did not have the information to give. When I finally got the collection agency 's name and number ( NCC Business Services XXXX XXXX ) their automated system discloses before verification that this is a debt they are trying to collect. When an agent answered the call she stated that she would be unable to help me because the case was in another office. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX customer service on chip XXXX XXXX affinity cards with chips disputes overdrafts interest rates and credit lines and crime victims of identity theft tied to other affinity cards like wounded warriors and XXXX XXXX XXXX XXXX and XXXX XXXX venture when ofac deposit bases are concerned 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have been working with a loan modification point of contact by the name of XXXX XXXX @ XXXX I have left her 5 messages and no return call so I called her mgr whom is XXXX XXXX @ XXXX left him 3 messages no return call I spoke to a lady at a Wells Fargo Branch In XXXX IN today and she told me on XXXX XXXX my home was put into Foreclosure with no notice from WF that my modification was denied not a phone call about it. Also no mail or phone call that it was put into foreclosure. I have been in my home for 28 yrs and been with WF for 20 yrs and I am all of a sudden getting treated like this. I have XXXX equity in my home and do not want to move or loose my home with this kind of equity. I ca n't refinance with another company because we are behind 13 months no company will do it. I have heard WF has lawsuits pending against them for foreclosing on people 's homes without cause or working with their clients. I have worried so much about this that last 7 months that 's how long it took the modification for them only to come back and say we were denied due to FHA guidelines that you can only have XXXX modification. I. A 2 yr period which I do not remember having another XXXX in this time frame. I would appreciate it so much if you can help me in any way possible. I am XXXX and do n't want to loose my house at this age and start over. This all started cause my husband had XXXX and was off work for 3 months with no pay so I talked to WF right away for help and of course they do n't care if we loose our home Thx again XXXX XXXX Loan # XXXX Phone number XXXX Available after XXXX eastern time 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a supplement to Case No. XXXX : We have since received responses from the credit bureaus that Ditech said the credit reporting information was correct. Today, we received certified notices for homeowner counseling with a PAST DUE AMOUNT OF {$7400.00}. Ditech is obviously not recognizing the new contract that was put in place during bankruptcy and filed with the Court, and acknowledged by the Court. The credit reports now have " Charged Off '' and {$0.00} past due. A XXXX, 2015 statement also states charged off, and {$0.00} past due, and now a new statement showing {$7400.00} past due. This is truly unbelievable. Do I need to take my savings and sue this company? They are in breach of contract, and have obviously violated FTC rules, wrong reporting on my credit report as Charged Off, rather than Included in Bankruptcy, and states {$0.00} due. So, technically it looks like on the credit reports we do n't owe anything. How can a company do this to people. They depend on their attorneys to have political clout within the court system, but hopefully I can locate someone to sue them in Federal Court where the playing fields are somewhat more level. I feel sorry for people that dont understand their rights, but unfortunately to exercise your rights, it takes a lot of money, which I do n't have obviously having gone through bankruptcy. Please advise the status of any assistance you can provide. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX wireless mobile account listed in my report is not mine and is in another state, Ohio. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I WENT TO MACYS TO BUY SOMETHING, AND I WAS APPROACHED BY A SALES ASSOCIATE. SHE TOLD ME THAT SHE HAS A MACYS STAR PASS FOR 20 % OFF MY PURCHASE AND THAT I NEED TO GIVE HER MY NAME AND SOCIAL. I EXPLAINED TO HER THAT I AM NOT INTERESTED IN A MACYS CREDIT CARD, SHE SAID THAT IT IS NOT FOR A CREDIT CARD. THE SALES ASSOCIATE GAVE ME A MACYS STAR PASS AND I BOUGHT BABY CLOTHES AND A QUILT. A MONTH LATER I GOT A BILL OF A CREDIT CARD FROM MACYS. I HAVE NEVER RECEIVED A MACYS CREDIT CARD AND I WHAT I BOUGHT THAT DAY I PAYED IN CASH AND I USED MY MACYS STAR PASS. NOW MACYS IS SENDING ME BILL RECEIPT STATING THAT I OWE THEM. I WENT TO MACYS TO SPEAK PERSONALLY WITH THE SALES ASSOCIATE WHICH I WAS TREATED VERY BADLY AND I AM STILL DEALING WITH AND STILL BEING BILLED. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX I had to file a personal bankruptcy ( due XXXX bankruptcy filing ). Bank of America ( BOA ) listed my personal home mortgage as a charge off on my credit reports. ( Only XXXX credit cards used for my business were included in the bankruptcy filing. ) Twice I contacted the BOA credit department who informed me that I had never missed a payment, nor had I ever been late on a payment and that the credit report would be changed to remove the charge off. Both times subsequent credit cheks revealed the charge off had not been removed. Another BOA department informed me that I had not signed a letter of reaffirmation within 30 days of my bankruptcy filing. Neither BOA or my attorney informed me that this was required or might be required. BOA said the reaffirmation signing was a company policy, not a law, and still refused to remove the charge off from my credit reports. I have always maintained a pristine credit rating my entire life and find their policy to be extremely unfair. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My complaint goes back to XXXX XXXX with XXXX XXXX of XXXX XXXX, I was advised that the information needed to be filed with the corporate office. When I sent the information in to corporate they advised me that they could n't find me in the achieve file and that I would have needed to contact the place where the transaction happen. Once I did that I did n't get anywhere with the general manager who stated that since the other person know longer worked there he could n't really help me and the inquiry should be falling off in XX/XX/XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I went in to work which is XXXX. A co-worker gave me a message that a friend that I knew named XXXX XXXX called from the number XXXX and to give him a call back. 

I do not know who XXXX XXXX is, but called the number anyway and was told that this was Quad Corp a debt collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed a judgement on my Transunion credit report for a judgement for XXXX XXXX. I provided them with a copy of the judgement that shows the judgement was rendered on another person 's name, not mine. Despite the fact that i provided proof that my name was not on the account, Transunion still replied and stated that the account was mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was trying to open up a bank account at a bank they told me they could n't open it due to the XXXX so I stated ok i will wait for the letter in the mail. The letter stated that i owe banks money and i could n't open the account until i payed them off. I told them i was a victim of Identity theft and that my name was used in opening accounts in my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX BANK OF AMERICA BANK OF AMERICA credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : BANK OF AMERICA XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: this account was a result of my identity being stolen and yet their is a collection for services or things that i never was there for it was opened because of my identity being fraudulently used ... i have since filed updated police report and notarized affidavit of id theft from the ftc 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Loan Modification denials after 2 attempts. Underwriters not on same page I contacted Wells Fargo XX/XX/XXXX to explain to them that I lost my job and was in fear of falling behind on my mtg. I was offered nothing and was told that my loan had to be in default before I could do anything. I turned to XXXX XXXX to help me with the process of gaining a loan mod or forbearance, upon completion of the paperwork I was offered a position and was told that I would no longer qualify for the unemployment forbearance. I gathered all of my documents and stressed that my grandparents ( both in XXXX, XXXX under XXXX and the other suffering from XXXX XXXX ) we on the loan however, they have their own residence and do not contribute to the household and I also have a transfer upon death deed filed with XXXX County. I was told by one of Wells Fargo 's underwriters that if I could submit an affidavit to this affect that my grandparents social security income would not be needed. Needless to say I was denied a loan modification, I appealed as I took on a part time permanent position and also had a contributor to the mortgage and utilities within the household, I supplied Wells with all of this information, just to be called XXXX/XXXX/XXXX to say that I was denied again! And was told that the current underwriter required my grandparents information. I stated why would they need this when the first underwriter stated that the affidavit that I had signed and notarized would be sufficient and that their income is in NO WAY used for any mortgage payments or bills at the home. This process has been going on for several months ( almost 6 to be exact ). I can not get a straight answer from Wells Fargo as to the documentation that they require and why they require it for my grandparents. I have been paying this mortgage on my own since purchasing the property and unfortunately I fell several months behind after losing my job. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection agency XXXX XXXX XXXX got my father 's name, social security number, birthdate, and incorrect address from their client. With the incorrect address they never received the bill. The collection agency then reported it on my credit report. Not my birth date and how did the agency get my social security number? How can Experian not catch the wrong birth date that they put on my report. I am very upset with so many failures between all XXXX company 's. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The XXXX XXXX account was disputed, and Trans Union shows a cut off deletion date of XXXX XXXX. Trans Union shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Trans Union did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the 7-year rule applies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Called the banking center to inquire about the cut off time for a mobile deposit I made. Seems I was late by 20 min. I was denied a reversal for a overdraft fee of {$35.00}. The representative could not tell me when my mobile deposit was made and she was unsure of the posting time. I asked to speak with a supervisor ( XXXX from XXXX VA ) who was rude and short with me. I asked him to listen in on the phone call with the representative I spoke to earlier and he said he was too busy at the moment to do so. 
I 'm being charged a fee and have no real understanding of the cut off and posting times for mobile deposits as to ensure it does not happen again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went onto the Experian site to obtain what I thought was a {$1.00} credit bureau report. Suddenly, I found out later that they tricked me into buying a monthly credit tracking service. I never intended to order this product. Nor do I believe it was made clear on Experian 's web site that I was ordering this service. Upon learning what happened after the first monthly fee appeared on my credit card, I immediately cancelled the product and demanded a refund of the one month fee of {$21.00}. 

The customer service rep and his supervisor refused to give a refund over the phone. I was asked to submit a written request, which I did, and was subsequently again told they would not refund the money. I can not accept this. I never wanted the product. If it was written somewhere on the Experian site, it was done so subtly that I did not notice it. I feel they tricked me into buying the product and spending this money and now you will not refund it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a credit card account with Barclay which was closed a year ago ( XXXX XXXX ). The online account even shows " This account is closed. Website functionality will be limited. '' Last month ( XXXX XXXX ) I suddenly got a statement via email showing that I owe {$35.00} from a fraudulent purchase. I called customer service and explained that this account was closed and that they should remove the charge and really close the account. I was told again that the account is closed and that the charge will be removed. Yet, this week ( XXXX XXXX ) I received another email alert for the same charge. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a small loan with Bank of America. I have just moved, which they know, and in the confusion of the move and getting settled I missed XXXX payments. B of A, without any authorization, removed monies first from an old bank account ( {$130.00} ) that had not been active in 6 months and when that was rejected they, went to my new local bank account and charged that for {$250.00}. I have since closed these accounts and will going, forward only pay B of A in cash. I called your office and was advised that B of A 's actions were not legal. Hence I am filing this claim asking that B of A be stopped from doing actions like this in the future. To add insult to injury B of A they have charged me a {$27.00} " check returned fee ''. They return of these fees is the only compensation I am looking for. 
Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: It has been 5 years since my husband and I went through HAPR. We made all payments on time. I called last night b/c I knew there was supposed to be a reduction in principle after 5 years. I was told they sent me something XX/XX/XXXX and we did n't receive it. I do not recall every getting it. I asked them to resend and was told time is up and I ca n't take advantage of HAPR benefit. I did not receive the package and want the benefit we earned by making on time payments. I think this is not a good practice and way for CitMortgage to take advantage of people who they are supposed to be helping. Please look into this. All I want is the benefit earned and them to resend the papers so we can complete and return. We want the loan to be reduced as promised. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response