AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian is reporting negative, inaccurate and unauthorized inquires on my credit report and have refused to correct and remove them. I written Experian letters and spoke with them by phone informing them of my concerns. I told them that the inquires reported on my credit profile seems to have come from their pre-approved credit offers mailing lists. I requested that these inquires be removed from my credit report and to remove my name from their mailing list. I told them that I did not give my authorization to any of the companies they are listing below : XXXX XXXX ID No. : XXXX XXXX XXXX, XXXX Credit/Kearny XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Bank ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX INC ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX XXXX, Apr XXXX, XXXX XXXX ; ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX XXXX, ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX ID XXXX. : XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX bank NA ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX explain to Experian that I did apply for a car loan in XXXX, XXXX with XXXX XXXX XXXX XXXX, which is not being reported by Experian, but none of the above mention companies had my permission to run my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 i had reserved a vehicle from XXXX XXXX XXXX for a wedding. To reserve the vehicle i had to provide a debt card along with D/L information. I authorized XXXX XXXX XXXX to charge me for the amount of {$200.00} that was for the deposit for booking the vehicles. Next day we noticed XXXX additional charges for {$74.00} and the following day another XXXX additional charges for {$220.00} and another XXXX for {$100.00} on the same day and these charges were NOT authorized or notified of. Since it was a weekend we were unable to get in touch with bank of america because they have certain working hours and are closed on weekends, with no customer service on weekends what so ever. The following Monday we called Bank Of America to dispute the charges made to my account. They told me that they will reverse the charges and do a investigation on the matter. On XXXX XXXX, 2015 we received a report from Bank of America with all the backups and stating that there were no errors in those transactions and rejected our request for the dispute. When reviewing the transactions which we know that we did not authorize any of them. We noticed that the documents submitted by XXXX XXXX XXXX that summarizes the job for the day had a forged signature on the document. We tried to get into contact with Bank of America to notify them that the signatures were forged and that we did not authorize the charges and bank of america insisted that the signatures are ok and that the transactions are true. We again explained to Bank of America that the charges are not true and we did not authorize them. After going back and forth with bank of america for about a week being passed to different representatives we reopened the dispute and sent a rebuttal documents. After a few days of waiting for Bank of America to contact me, i called to get a status on the issue. Bank of america again stated that they will be rejecting the dispute and that there is nothing they can do about the issue. I requested to speak with the investigator that was taking care of my dispute to clarify the errors. Until now XXXX/XXXX/2015 i still have not heard back from bank of america regarding my dispute. On XXXX XXXX, 2015 there were XXXX un-authorized charges for {$220.00}, {$100.00}, and {$100.00}. On XXXX XXXX, 2015 there were XXXX more unauthorized charges for {$74.00} and another {$74.00}. The total amount is {$570.00} that was taken from my account by Bank Of America without my authorization and agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage Co. Is S.P.S. ( Select Portfolio Services ). They were hired by XXXX about 8 months ago, when XXXX was our mortgage holder. But S.P.S. Became our mortgage holder in the middle of a modification negotiation. XXXX, they upped my payments from 600 to over 900 a month. Then after the trial payments of XXXX a month for 4 months, the payments were supposed to go down. But they did not. I signed a three year forgiveness contract. After S.P.S. upped our payments XXXX in less than4 months. I had an attorney read my paperwork, they advised me that my paperwork was very miss leading. I would have to pay back 63,000 dollars at the end of my loan. This is not what we agreed on. I have been dragged from XXXX bad mortgage Co. to another, to another, and yet to another. I am in need of some help with this matter. And they keep saying they will mail me papers to see if I qualify for a reduced payment. But they still havent mailed me any paper work, even after XXXX times of them saying they have. Striat faced liars. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I attended XXXX College, a XXXX College in 2012 and was set up with a private loan through Genesis Lending. As well as a Federal Loan. I received no state help and left responsible for a large balance, attending a school that treated their students with no respect. They were welcoming and polite when recruiting you to attend their school but once they stuck you with a large debt and received their money, the politeness was out the door. There were so many promises and guarantee 's made with no follow through. I struggled to make the payments while I was in school, this was something I was not informed of until I started receiving bills and told if I did not pay or made a late payment I would be pulled from class and not allowed back until my account was up to date. Any time you showed up a few minutes late, miss a day due to a funeral or when I missed a few days due to an illness in which I provided a doctors note XXXX, I was threatened to be kicked out and the administration always brought it back to how much money is being provided to us for being there. I finished with straight A 's and a huge debt I struggle to pay but make sure I never default so my credit stays in tact. Dealing with the lender has been a nightmare. I am set up for auto pay to avoid dealing with the lender. Often they do not pull on the scheduled date which turns into many calls in XXXX day harassing me to pay my bill. It 's not my fault they 're system is messed up and I do not appreciate the calls. Multiple times they charged my account XXXX, they point the finger and claim to not be able to reverse my payment. My interest rate is ridiculous. I was told the lowest they ever give anyone is 12 % no matter what your credit score is. I 've contacted the school many times to receive paperwork they 'd promised to provide and after many attempts, they have yet to deliver my request. I recently received a letter that Genesis is transferring my loan over to XXXX. I would never recommend anyone to XXXX Colleges. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least. 
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me. 
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX reported a late payment in XXXX 2013. I sent them proof of payment and they refused to remove the late. Sent the XXXX bank statement, showing payment, to Experian, they sent it to XXXX, and again they refused to remove the late. 
They should be fined, forced to correct, and punished. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for a pre-approval for a home loan with U.S. Bank as a XXXX time home buyer. I was denied stating that my score was too low and to essentially try again in a year. I have been doing credit counseling and have been working on my credit for a while and spoke with my counselor to make sure I would qualify before applying for anything. My counselor agreed that I was ready based on my credit score and report. However the loan officer for U.S. Bank stated that my score was a XXXX which was way lower than the XXXX I had pulled from all three bureaus. When I asked to see a copy of the report that was pulled from the loan officer I was told they ca n't share that information with me. I called customer service with the bank and was transferred several times with each person not knowing if I could get the information or not. I finally reached a guy who told me he would have someone call me with the information in XXXX minutes and that he would check back and follow up. I never got a call from anyone with U.S. Bank regarding this issue and he did not follow up. It is my right as a consumer to have access to this information if I am denied credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: A person calling from XXXX ( XXXX/XXXX/15 ), claiming they are debt collectors, are calling every day. When I answer the phone often hangs up. I called it back, a man answered and asked for my address and last XXXX of my social security number. When I refused and asked for verification he said that he could not give me any information without my last XXXX. He said that this matter was very serious and that I needed to get it settled. He told me to call back after I was ready to verify my last XXXX. He asked to confirm my address, the address he stated was incorrect. I hung up. This number has called several times. Previous numbers include XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ). there are also several XXXX numbers calling, I think from the same people. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a geniesis loan I did not recieve a decrease on this loan I talked to geniesis they said I do not qualify for it. Then I found Out that they sold my loan and its called XXXX and geniesis is just servicing the loan. XXXX MI XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Apartment complex sent {$730.00} to debt collection against me. XXXX had denied apartment managers claim and I was cleared upon move out almost 2 years ago. XXXX decided to still illegally submit debt and not notify me. I received no notice. I found out about this debt yesterday XXXX XXXX 2015 when applying for a new apartment out of state. So I was never given the option to dispute this which is not legal especially with the way it was reported. I would like to take steps to dispute it but also need to be able to get out of staying in a hotel. I need to know if I pay it to clear my credit if I can still dispute it immediately after 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear CFPB : I have repeatedly contacted the Citibank folks on the attached documents to locate my IRA so that I can roll it over to my other plan. For whatever reason they seem to have lost it after XXXX and I have not received statements since we could not change the address. No one at Citi has been able to help me yet, the assets are still with them and not theirs. Can you assist me in locating it? 

Thank XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I have a credit freeze with all XXXX major credit reporting agencies. I am routinely able to temporarily lift my freeze with XXXX and XXXX. I am however unable to lift it with Experian. I have written them several times ( XXXX XXXX XXXX, TX XXXX ). Each time they send me a new pin, but I am still unable to lift the freeze. They do not tell my why and they do not provide any means for me to contact them to resolve this issue. I can only assume they have some incorrect information about me ( birthday etc ), but because I do not know what it is, I am unable to provide the correct information, even if I had some way to contact them. Thank you very much. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX XXXX XXXX account was paid as agreed and has a zero balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas 

Company response: Company chooses not to provide a public response
Consumer complaint: Today Wells Fargo closed my credit card account. I found out when logging into my online account. No prior notification was provided. 

I made several calls to Wells Fargo on the matter. Phone agents disclosed the following reasons for account closure:XXXX Unsatisfactory relationship on a Wells Fargo checking account. This account was closed following a CFPB complaint on their payment posting process, disclosures and timeline. 
XXXX. Agents indicated Wells Fargo Risk sent a letter in early XXXX that I failed to respond to. I received no such letter and Wells Fargo Fraud agents later confirmed none was sent. 
XXXX. Cardholder abuse. 

This credit card has a marketed rewards offer of 5 % cash back unlimited for the XXXX six month. I have used this credit card to maximize this offer and suspect this is the core reason for the closure as noted in my account. 

I am fully compliant with the terms and conditions of the cardholder agreement. 

This is a clear case of Wells Fargo baiting and switching their marketing offers. 

I will further follow up with the Attorney General 's office and the Federal Trade Commission. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a collection company called Enhanced Recovery that put me in collections for a debt that i have already paid. Enhanced Recovery is committing fraud against me by trying to collect this debt. The collection i paid and this wrong collection is the same account but a different amount to try and scam me. My lawyer and I are proceeding with a law suit due to the harm this has caused me. It has prevented me from purchasing a home and has been ruining my credit score for months. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This information just showed up on my credit report within the last month. I think there are a collection agency for a credit card from XXXX XXXX. I had a credit card with the company that was opened in XXXX and paid off and closed around XXXX. I had a great payment history with XXXX XXXX. As I stated in other statements that on my credit report this creditor always showed paid as agreed. Now I believe around XXXX XXXX I checked my credit reports and XXXX XXXX is showing up negative. I reached out to several Customer Service Representative and there were not friendly. If someone could please help me with this problem I would be thankful. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving calls for about 10 years from PENN CREDIT CORPORATION which attempts to collect a debt from someone other than me. I have informed them that the people they seek are not at this telephone number, but the calls persist. The calls were originally made by people, but now are automated. My telephone number is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had XXXX XXXX XXXX XXXX XXXX account that were opened XX/XX/XXXX paid off and closed XX/XX/XXXX. I had a very good history with the credit union in paying my accounts. At this time Experian Reporting Agency is reporting my account negative. I reached out to one of the Representative at Experian and they stated they were working on my investigation. I call back 2 weeks later and the Customer Service Representative stated that the investigations were completed and I will receive a copy of the report in the mail. I reached out and ask her about the XXXX XXXX XXXX XXXX accounts and she stated that they were removed from my reports. Around about 4 days later I received my reports and the XXXX XXXX XXXX XXXX account were still reporting negative. 

Company response: Company chooses not to provide a public response
Consumer complaint: i called the debt colletor and paid in full {$100.00} plus fees for XXXX and also paid {$100.00} plus fees on another acount, and my credit report still shows that the one that was paid in full is still in collections. I called them and they said it wil not go off my credit report until the other XXXX collections from that same collection company is paid off in full.. and the guy told me it would go off my credit report and raise my score but it didnt, please help, thanks 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX 2015 I submitted a {$1200.00} payment to my XXXX XXXX XXXX XXXX credit card, through the online banking service of my Bank of America checking account. 
As of XXXX XXXX, despite XXXX lengthy telephone calls ( starting XXXX XXXX ) to multiple departments at both institutions, the payment has not been credited. XXXX states their credit card department did not receive the credit ( which BofA sent electronically ), Bank of America states they sent the funds but XXXX does not want to acknowledge it. 
I have been unable to obtain ANY documentation inherent the transaction, ex. what institution, routing code, corporate receivable account, batch reference tracer code, etc. nor a written acknowledgement of my claim by either of the XXXX institutions. This despite my repeated requests for formal acknowledgement. During the multiple conversations I understood that the payment, which I had instructed BofA to send to XXXX post office box, was processed electronically and sent to XXXX as the processor for XXXX. 
On XXXX XXXX I was " conferenced in '' with representatives of XXXX financial institutions, BofA Escalation Team and XXXX Claims, who promised to " investigate '' but refused to supply any information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX Credit Account opened XX/XX/XXXX and always paid as agreed and closed in XX/XX/XXXX. Now XXXX is reporting negative on my Experian Credit Report. I started a investigation and around 3 days later Experian send me a email of completion. It seem to me that they are playing games and do n't want to remove this information. Can you all direct me to a Federal Agency that will take control of Experian and their lack of work. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my second complaint against Credit Acceptance Corporation and their continual use of harassing behavior. I am a customer who has never sent a payment 30 days late since I obtained the loan with Credit Acceptance on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Credit Acceptance detailing their intention to repossess my car. The letter was sent from them on XX/XX/XXXX. Here lies the inconsistency. Credit acceptance sends the letter on XX/XX/XXXX and the coupon book that I have in my possession states that if a payment is received after XX/XX/XXXX that I will be assessed a late fee which implies a grace period. On XX/XX/XXXX, I paid my car note in the amount of {$330.00}. I have advised Credit Acceptance continually of my intent to pay and I have been a loyal paying customer since XX/XX/XXXX. I have requested a copy of my late fees, which I am not in agreement with, from Credit Acceptance which I have never received. I believe Credit Acceptance is harrassing me in retailiation of my first complaint to Consumer Financial Protection Bureau Agency. There is not reason for them to have the intent to repossess my car when my track record shows my history of paying them. The past due amount stated on the notice is {$370.00} which includes my monthly payment of {$330.00} which was paid on XX/XX/XXXX and {$49.00} in late fees which I requested documentation for and never received but paid on XXXX. Please stop the harrassing behavior. Companies do not send letters of intent to repossess a car that payment is not 30 days late unless the intent is to harrass. Since the history of my loan with Credit Acceptance my credit report shows XXXX for no late payments which they indicated so why would they want to repossess my car. CFPB, I need your help to stop this harrassment. 

Company response: Company chooses not to provide a public response