AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A fraudulent account was opened in my name at an address I have never lived at. I first found out about it in a collection letter that was mailed to my real address. I contacted XXXX XXXX the account ) spoke to their fraud department, was issued a escalation ticket, filled out and returned to them with supporting documents they requested. XXXX received documents, closed the ticket and 5 months later, I received another collection letter. I called XXXX back, they confirmed the documents were received, the ticket closed and they will notify the collection agency. I called the collection agency gave them my facts, they said XXXX has not notified them, will close and send it back to XXXX. Fast forward to today, 10 months later I receive another collection letter from another collection company, same XXXX account number, same $ amount. I have spent the last XXXX hours on the phone with XXXX going from department to department with no resolution. Finally I was connected to the FTC who suggested I contact this bureau for resolution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A company claiming to be Macy 's debt collection service continues to call from XXXX -- XXXX saying I owe money. I have not charged anything on a Macy 's account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Home Mortgage has declined my request for assistance under the HAMP program. I have an adjustable rate, negative amortization mortgage that they have refused to modify into a fixed rate affordable mortgage. Despite providing tax return documentation and current bank statements, they have incorrectly calculated my gross monthly income by at least XXXX They claim my housing expense exceeds the HAMP XXXX % guideline although based on the income documentation I have provided is is less than XXXX %. I feel they are taking advantage of my inconsistent monthly income flow that is common in my employment as a XXXX to keep me in a adjustable rate mortgage that currently has a 7.3 % interest rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never been to XXXX or lived there. I have lived in XXXX XXXX and XXXX XXXX XXXX. What can I do to take those addresses off my credit report? 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX . In XXXX, Florida, for over 15 years, with my Spouse, who passed away, and there began my struggle to keep my home with the reduced income, since I was only a part-time XXXX Instructor. At the time EMCserviced the Mortgage, and I had a difficult time trying to do a loan workout with them. Suddenly XXXX XXXX, took over and quickly sold the Mortgage to the current Servicer, SPS. I reached out to SPS and it took almost a year before I began receiving correspondence from SPS. I have submitted Loan Packages over and over, only to be told they never received any of them. Now I have an experience Third-Party who have managed to get a response from SPS, However, my dilemma worsen when my home caught on fire, and the Insurance Company moved me into a rented Apartment. This house was determined by the Fire Inspector, and the City Inspector to be inhabitable. The Adjuster, have determined that it will take {$100000.00} to restore the home to standard. They have sent the first Check in the amount of {$67000.00} as the first installment to get started. The Contractors are ready, but SPS IS HOLDING THE CHECK because they are not sure they want to rebuild it because I am in default. Meanwhile, the Insurance Company will only extend the time until XX/XX/XXXX. to remain in the rented Apartment. SPS, will not make a determination on the Request for a Loan Modification. I want to remain in my home, because of the memories and the incompetence of XXXX, and XXXX XXXX cavalier attitude, I am stuck with TIME RUNNING OUT, AND I WILL BE HOMELESS!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX has negative items on my credit but XXXX is a 3rd party debt buyer that sells the loans as investment vehicles which means they do not have my loan any longer. Since they did not have my loan and do n't know where it is all negative marks should removed from, y credit. It is illegal for XXXX to collect money on a loan that XXXX no longer owns, this is a criminal act and needs to be investigated. The only loan that I owe on is the co-signed loan but the other loans that " XXXX allegedly has '' are no longer valid because they have to proof they own the debt, they have the right to collect on it which they did n't. The only item I received from was something from XXXX XXXX XXXX, XXXX no longer owns my debt and they are a trust not a lender like XXXX claims. Even XXXX XXXX from XXXX advised me that XXXX is not a lender and not sure sure why XXXX told me that. XXXX is a 3rd party debt buyer, not a lender at all and they never were. I talked to the credit bureaus and they advised me that XXXX is suppose to remove any negative items if hey do not have proof of ownership from XXXX. If XXXX were to sue me, they would need this information which I never received. XXXX never sent proof that they have ownership of this debt or where my loan currently is. I want to move my loans to my bank but I ca n't until this problem is resolved. I do not want to do business with XXXX, they engage in shady business practices. Their reps lied about an amount I owed and then they keep trying to force to do auto debit even though I wrote them a letter telling them I will never do auto debit with them, I do n't trust this company and they should be shut down. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: None of the above describes my issue, so I simply chose " Talked to a third party about my debt '', however I did indeed have to speak with XXXX different companies in this process. XXXX, Square Two Financial, and Cach llc. 

My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not acceptable, they should return my check. The check was cashed, however, the reporting has continued. I have all the documentation, including a copy of my check and the contract as well as the certified mail reciept from USPS. 
When I spoke to them they explained that they did not even take the time to review and had apparently lost record of this. Not only did they violate the terms, but their negligence seemed to them, apparently, to be reason enough for the violation. 

Company response: Company chooses not to provide a public response
Consumer complaint: bankruptcy still on credit report. Bankruptcy submitted XX/XX/2004 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I opened a US Bank checking account which was having the promotion..deposit {$500.00} or more in direct deposit and after 60 days they will reward me with {$120.00}. I had used the correct promotion also. I had the {$500.00} direct deposit XXXX ( from my employer i.e. salary deposit ) i.e. within 60 days ... I was suppose to get {$120.00} on XXXX ... i followed when not getting {$120.00} ... this week got the response that they wo n't be giving me {$120.00} as I opened the wrong checking account-what??? But i had the promotion code applied -if i was opening the wrong account with the right promotion code on the website ... why the website did n't stopped me ... i already called the customer service ( phone call as well as chat ) -nobody told me that at the time of opening the account ... ..so they are just making an excuse not to pay me {$120.00}. i fulfilled all the rules and played by their rules book ... but now they are denying me the promotional bonus that i deserve ... .essentially speaking they are confusing the customer if they ca n't convince them. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX a Westamerica Bank loan officer XXXX after he got me a credit card from Westamerica Bank. Then he insisted that I better fix damages to his home before he gets home from work or he was going to beat me some more. Out of fear I fixed the apartment on credit, but now the doctor says I ca n't work for XXXX months. How am I suppose to pay for this I do n't know what to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my federal taxes in full and the lien was released but it is still reported. 

Company response: Company chooses not to provide a public response
Consumer complaint: My pay check was garnished with no prior notice. I ask for proof of debt and none has been provided. in the meantime, my checks are still being garnished and I am getting the run-around. I believe these judgements are being robo signed without consumers having an oportunity to dispute the validity of the debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting XXXX the freeze. 
However, Experian online does not provide the option for victims, but rather has only one default - Pay them {$10.00}! 
Nor does Experian mention that available option ( again, going for profits while using our info but leaving it exposed due to their delays in implementing a Freeze ). 
Especially galling is the fact that I am an ID Theft victim DUE TO EXPERIAN. Their weak security and weak supposed " encryption '' allowed my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, to be stolen by hackers, ALONG with XXXX XXXX other XXXX victims of this theft / Experian failure. 
In that my personal info was obtained in Experian 's data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely, immediate Security Freeze. 
XXXX the preceding question, there is no option available from Experian to discuss the problem ( i.e. they only apparently want to collect fees ) 

Company response: Company chooses not to provide a public response
Consumer complaint: on or about XXXX XXXX of 2015 at the bank of America location located at XXXX XXXX XXXX XXXX new York XXXX the financial centers operation manager, XXXX XXXX XXXX XXXX XXXX profile me and denied me the right of engaging in legal banking business, by denying me the right and the ability of depositing XXXX money orders on behalf of a bank of America customer ( XXXX XXXX XXXX XXXX XXXX stated that I made him uncomfortable with excepting the money orders. 
I travelled to another bank of America location, in whereas they excepted the money orders and placed them for deposit. 

Company response: Company chooses not to provide a public response
Consumer complaint: A XXXX/XXXX/2015 dated letter was received at my home in Virginia from XXXX XXXX XXXX regarding a lease from a California Military Base housing I stayed at during XX/XX/XXXX to XX/XX/XXXX. They said I owed {$4000.00} ( XXXX principle with 10 % interest ). This was the first time I seen/known of a charge and I have been in contact with the leasing office regarding other matters and they never mentioned I owed them money. My lawyer wrote a letter concerned this was fraud on Military Service Members. He requested an itemized list utilizing the right to dispute from the letter. No response was received and on XX/XX/XXXX the debt was reported with a lost of XXXX points on my credit report for the amount of {$4100.00} in collections. I still do not know what the debt is for. 
My husband was also on the collections letter, but was not on the lease.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a mortgage that was with XXXX XXXX for years, The bank was sold to XXXX XXXX in XXXX 2015, XXXX sold my mortgage to STATEBRIDGE LLC. XXXX 2015. I had a bankruptcy chap. XXXX, but never had any lates on my mortgage the mortgage was always paid on time and current, still is current. I have not received a coupon book, I called and was informed by XXXX that my mortgage was late?? My monthly P & I is {$830.00} plus tax escrow total pymt {$1100.00}, they took the {$1100.00} as P & I and added taxes to it making my pymt {$1400.00}, I tried to tell her that was incorrect. I faxed and mailed my note, mortgage, history and cancelled checks to show my loan amount, payment amount, and proof that the loan was current. I have called several times, wrote letters, emailed and faxed NO REPLY and I was told they cant talk to me. All I need if for this to be straightened out, my XXXX qtr taxes and XXXX qtr taxes have not been paid by them the money is in my escorw, I had to pay the XXXX qtr out of my savings so the taxes would not be late. All I want is for them to correct my account reflecting the correct payment amount, send me a coupon book and for them to pay my taxes on time. I have all documentation to prove my loan is current and what the payment is. Can you help. I really feel this company is trying to make my loan appear late so they can foreclose, I talked to another person who is having the exact same issue with this company. I need help resolving this matter and not getting any response from this company what so ever. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sought a loan modification with Citimortgage on a Home equity loan. My loan payment was increasing from {$2000.00} a moth to {$6000.00} per month. I called Citimortgage XXXX times and was told each time that I needed to be delinquent ( miss a payment ) before they could start the process. I missed a payment and called them the very next day to start the process. The process went on for XXXX days. I faxed XXXX packets of information and overnighted XXXX package. In the end, my request was denied because I had " too high a loan balance ''. My loan balance was known at the beginning of the process. My credit score went from approx. XXXX down to approx. XXXX. When I was denied, I am immediately made the payments and remain current on the loan. The original late fees they assessed were {$1100.00}. Citi wrote off {$300.00} of those fees. I asked them to waive the remaining balance of {$810.00} which they declined to do. When I was denied a modification and told that my loan balance was too high, I was also asked how my modification was going on my first. I told him I was not seeking a modification of my XXXX. He then went on to say that I should pursue that because there were more potential options and that the XXXX could be taken into consideration. That was nice to know but telling me after XXXX days and denying my request was way too late to make that suggestion. I am requesting/demanding that CitiMortgage write off the {$810.00} remaining balance of late charges. Their process was very misleading. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for bankruptcy protection in Maine as a temporary method of protecting my financial commitments while waiting for a consumer complaint case to be mediated-I did n't want my vehicle repossessed before the manufacturer was held accountable under the Lemon Law and replacing it or refunding my money. In order for the bankruptcy to be valid and proceed, I would have had to pay the required fee ( which I did not ) as well as providing the complete application paperwork & forms ( I also did not do that, as this was simply a strategy to delay repossession for a few days. Since I did not submit the complete package and fees, the case was dismissed almost immediately, but Experian has maintained that this was a valid bankruptcy and has listed it as such in my credit report since XXXX. 

This has caused me great harm in that I have been repeatedly turned down for consumer credit despite my record being pretty much spotless with no debt. I first submitted appeal # XXXX on XXXX/XXXX/XXXX that included a statement from XXXX Maine that the case was dismissed, but Experian refused to acknowledge the dismissal, saying that the bankruptcy was valid. 

A year later on XXXX/XXXX/XXXX I checked my credit report and found that Experian still burdens me with this invalid bankruptcy, so I filed another appeal ( # XXXX ) and Experian still maintains their unreasonable position. 

I believe that if a bankruptcy was dismissed/never happened that I should not suffer the same consequences as though I had proceeded through the entire bankruptcy process and since I did not benefit from the bankruptcy other than to gain a few more days so that the mediation could be completed, then I should not have to suffer the same consequences as if I had. 

To consider otherwise would unreasonably burden consumers with the punishing effects of " credit terrorism '' without being justified by actual events. In what world does " dismissed '' really mean I have to suffer this harm anyway? If valid, then it would take away any incentive for consumers to avoid bankruptcy - was that the intent of the government - to ceaselessly punish consumers when they try to do the right thing and honor their commitments? That would be counterintuitive at best and easily seen as a grossly negligent policy if true. 

Please review the attached materials and tell Experian that they are causing more harm than good. In fact, I ca n't think of one positive aspect of their business model that benefits our society whatsoever. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent payment to Sears Credit card this past XXXX XXXX in the amount of {$200.00}, when I saw that payment had not been posted to my account on following statement I called Sears Credit card and spoke to a customer service representative, Since I sent a XXXX XXXX money order I submitted a trace and received a response that payment was received. I contacted Sears again and spoke to someone and stated that I submitted a copy of Money order trace, the person that I spoke to put me on hold and told me that yes they had located my money order and that my payment would be credited to my account shortly, several weeks lapsed before I called again and was told by a customer service representative that my payment would post the following Monday, a few days away ( this was about a month ago ). I then called last week and spoke to a customer service representative and she stated that payment had not been received, that she would refer my issue to the billing investigative department, I 'm back to square one. Sears Credit card has my payment but will not post my payment to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: BofA Closed my credit cards account. They recently gave me an increase on XXXX from XXXX to XXXX on one of my credit cards and on XXXX closed my account out. I 've never been late and have always paid more than the minimum amount. I think that the Credit Card Act should be reform. It 's not fair to consumers that a credit card company can just make a business decision to close your account and it impacts your credit report. I 'm not the only person affected by this, multiple lending companies are doing this. We the consumers are impacted by are credit. If you 're paying all your bills on time and have a good credit behavior. Instead of them closing your accounts they should just decrease your limit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit central in XXXX AL came to my tailor with a letter demanding I call a woman at the company named XXXX XXXX I called From my cell phone I blocked my number witch they got the next day illegally and called me.. I only owed them XXXX dollars.. The lady XXXX treated to sue my girlfriend s camper trailer we live in and she tweeted to take my girlfriends XXXX car.. My girlfriend did n't get the loan did n't sign any papers my girlfriends been living with me for a year and a half but she is still legally married to someone else in another state so we are not common law married.. Me and my girlfriend and both XXXX.. XXXX said harrying me we should n't me living in a camper if we make XXXX a month.. XXXX said she talked to our landlords we rent our lot we park our travel trailer on and XXXX said our landlords said we were always XXXX on our rent. 
.more harassment.. XXXX said my family told yet I was playing a game borrowing money from every body in town.. A lie my family did n't I just got in XXXX bad situation.. It us clear she phone harassed me I 'm XXXX with a severe mental illness I giving you the facts the phone records can be checked.. Between my number one time calling credit central ..I was criminally harassed my harassment had nothing to do with the debt it was criminal harassment. By XXXX at credit central in XXXX AlI give you my word ... I would have paid the money back I got in a bind taking care of my XXXX girlfriend fiancee 

Company response: Company believes it acted appropriately as authorized by contract or law