AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: As I am now looking for an apartment to purchase, I noticed, much to my surprise that there is Collection Item on my Credit Report. I am in the process of chasing it down and have discovered that it originates from a company called XXXX. I am extremely annoyed by this as I HAVE NEVER received bills from this company and now I find that a large amount is in collections and I am very concerned that this could effect my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter dated XXXX XXXX, 2015 on XXXX XXXX, 2015, from a company claiming that they purchased a debt from another company. I sent a letter asking for debt validation and requesting that they cease all communications until validation is provided. The company received the letter on XXXX XXXX, 2015. The company continues to call multiple times a day. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband died suddenly in XXXX. We held our house in joint tenancy with rights of survivorship so that the house passed to me directly by action of law, but I was not on our Wells Fargo mortgage. I had been named on all of our previous mortgages, but was not on this XXXX as I was not working when we refinanced and it was more convenient for my husband to take care of it without me. He was only XXXX when he died, and we did not foresee the complications this would cause me. I have been trying to get my name substituted in on the mortgage, but have been told I would have to prove my ability to repay, a months long process which would include a fee. I told the company this was not legal and asked that they speak with my attorney, but they have refused as my deceased husband has not authorized them to speak to my attorney. I have sent them his death certificate as well as a copy of the XXXX XXXX, 2014 CFPB ruling stating that in cases like mine the ability to repay rule is not triggered, and supporting my desire to be added to the mortgage as an obligor without qualification or fee, and all I have got back from them so far is letters to my husband who they know is deceased telling him they are reviewing my inquiry. This little mental gymnastic they are doing is ridiculous and insulting. Also, I think its a pretty neat trick that they feel as if they can do whatever they want and refuse to talk to the attorneys of the people they are wronging while doing it. I think that Wells Fargo is violating my rights and I would like them to be made to act more ethically and sensitively. The letters to my late husband are just the last straw. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company reported to my XXXX credit reports an account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account on or about XX/XX/XXXX. On XXXX XXXX and XX/XX/XXXX, the same collection company started sending me demand letters AGAiN. Last week I realized they illegally and purposely re-reported to the credit reporting agencies, resulting in my score dropping XXXX points. This also resulted in a home loan application being denied. I disputed the account with XXXX and they deleted it AGAIN, the next day, XX/XX/XXXX. I then received a XXXX demand letter from them. Although they refer to themselves as Retrieval Masters Creditors Bureau , Inc, they have the same address, account, amount, etc. As the original collection company that I originally disputed and was subsequently deleted by the XXXX credit reporting agencies. 

I have all my records and proof of their shady dealings And putting them on notice that I am retaining an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury from their deliberate actions. Not to mention, filing a complaint with the state General Attorneys Office for illegal and unfair practices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in bankruptcy and I had it discharged so XXXX decided to go thru this company called XXXX XXXX so as on XXXX 2015 I had been givingthem {$1200.00} a month to remodify my mortgage loanWell somewhere along the line someone droppedThe ball so now my home was sold and now I haveAn eviction ... what can I do 

Company response: Company chooses not to provide a public response
Consumer complaint: Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX/XX/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: Starting in XX/XX/XXXX, I attempted to have Experian correct my report via their internet option. 
It did not work and there was no one to help me via phone. I wrote them and they took a month to respond with my report which was still wrong ( they were reporting to other credit reporting agencies that my identity had changed which it had not, which prevented banks from opening an acct for me ). I wrote them again and they still have not responded with corrections. that has prevented me from opening an acct. Neither have they corrected other incorrect info. Neither have they provided my FICO score which I have not requested for several yearsXXXX XXXXXX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: can not find anyplace to dispute issue with trans Union - unable to reach live person or get information to receive pin number to remove credit freeze on my report. they suggested information needed to receive to pin being copy of drivers licence - bill and other things - they have not provided what " other things '' are needed. in order to speak with anyone live to get information I need to provide pin number which I have lost. I can not change credit cards - I can not get a loan w/o a credit score - I can not get a credit score with a freeze on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an Citi Dividend card. expired on XXXX. XXXX 2015. Last year i used this card to subscribe an subscription for a year. The subscription service was supposed to terminate in XXXX 2015. Anyway they charged the subscription fee last year. But subscription service provider automatically renew my subscription and tried to charge {$250.00} from my card again. I did n't know it because i was out XXXX at that time. Also At that time the card already expired. they issued me a new card with the same number. I never activate the new card. The credit card still let the charge go through. I did n't know there was balance on my card and never received any notice from the credit company. One month later when I came back, I miss the payment deadline 5 days. I had been charged {$250.00} plus {$25.00} late fee and {$4.00} interest for it. I immediately paid it to avoid more interest. the statement shows XXXX balance. Next month I used the credit card a couple of times, and I paid the balance on time. When I checked the statement online, I found they charged me a big piece of interest again. And the interest is not only from the {$250.00} but also from the balance i used after my previous payment although i paid in full on time that month. That is ridiculous and not honest. The total interest and late fee charge is about {$83.00}. Also I called the subscription service provider they canceled the service for me and issued refund for me. But the credit company hurt me a lot. Let the charge go through even I did not activate the card. And they tried hard to charge interest and late fee on it even the original charge was not placed by myself. I would want all my interest and late fee back from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by United Collections Bureau about a credit card debt. They did not notify me of my right to dispute. I paid the full amount they stated I owed and they have not sent me written acknowledgement that my debt has been cleared, after they stated they would. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) opened up a credit card without my consent. 
I have contacted the Bank and they have submitted a request to the Credit Bureau to remove my inquiry. I need the bank to take action as soon as possible on this issue 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir/Mme : This complaint is related to the XXXX you have under # XXXX ( against XXXX XXXX .This complaint is against Select Portfolio Servicing Inc the alleged mortgage servicer.Am currently in bankruptcy ( ProSe ) .My adversary case # XXXX XXXX the Judge granted the Motion for Lift of Stay & I received the order yesterday.The lawyers forXXXXBank and Select Portfolio Servicing Inc are XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX .The lawyers send in a Proof Of Claim ( XXXX XXXX ) with a purported note endorsed in blank by XXXX XXXX for XXXX, XXXX XXXX Thru various depositions XXXX XXXX stated she was laid off in XXXX. My loan closed XX/XX/XXXX.Recently another case that was ongoing for 5.5 years : XXXX XXXX XXXX XXXX XXXX XXXX reported that 90min before Trial XXXX Voluntarily dismissed the case with prejudice, as the case somehow implicated that XXXX used a rubber stamp with XXXX XXXX XXXX name & endorsed XXXX 's XXXX appears that XXXX 's XXXX loan '' closed about XXXX XXXX XXXX. 
In my case Select Portfolio Servicing Inc " claims '' that my mortgage loan was securitized into XXXX Thru Series XXXX another case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX there is a XXXX XXXX Order/opinion ( by Judge XXXX XXXX XXXX that has a listing of XXXX Trust that investors sold-latest XXXX XXXX and since XXXXBank did not merge Trustee business till XXXX XXXX Trust were not transferred to XXXX Bank as they were sold prior to the merger of XXXXBank with Bank XXXX pass Thru Series XXXX was named as one of those XXXX Trusts. Further from either XXXX or other website when XXXX-surpise : ... '' no transactions in past 12 months.. '' My bankruptcy case is going to be dismissed on XX/XX/XXXX-I probably did not do something right.And now am facing imminent foreclosure by parties that are Not the real parties in interest.It is Theft. I do want to pay the true Beneficiary and holders in due course of my mortgage. 
Thank you for your time. 
Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone with a similar name is listed with a different address on my report. This came about after a credit card was opened using my name. I would like the name removed with that person 's address in my Experian generated credit report. Experian makes you pay to change anything that is incorrect from their website and their phone number directs you to their website. I had paid a monthly fee to Experian earlier in the year for about 6 months but then discontinued the service. This is the first time to my knowledge that my identity has been used by someone else. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I apologize that this complaint is being filed late - I only recently learned of the service that the Bureau of Consumer Financial Protection provides. This complaint is related to our mortgage with Bank of America for our property at XXXX XXXX XXXX, XXXX, CA XXXX. In XX/XX/XXXX because our property was severely under-water ( we owed about {$300000.00} more than the property was worth ), we began the short-sale process. In XX/XX/XXXX, a buyer was identified and we sent the proposal to Bank of America. After months and months of delays, with numerous requests for more and more paperwork ( very frequently it was a request for information that had already been provided, several times XXXX, Bank of America finally approved the short sale. We received a letter from them ( see attached ) outlining the details of the approval. We complied with all requests. As you can see in the attached document, B of A indicated that we would receive {$22000.00} as part of a government program. Once the short-sale was approved, it took the buyer a little longer to get his financing approved - about 3 weeks. Because of this delay ( and despite the months of delay we had experienced with Bank of America XXXX, we were told that we were no longer eligible for the {$22000.00} because the program had expired. This seems very unfair to us because we had been diligent in complying with all the bank 's requests in a timely manner. Additionally, we had a credit card with Bank of America for many years ( unrelated to our mortgage with them XXXX. During the short-sale process, the bank sent us notice that our credit card was discontinued AND that we were no longer entitled to the rewards we had earned on the card ( rewards totaled about {$900.00} XXXX. It just seems that Bank of America acted unfairly with us. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion Credit REPORTINGXXXX-XXXX XXXX # XXXX Should be removed, older than 10 yearsXXXX # XXXX - Should be removed, older than 10 yearsXXXX XXXX XXXX # XXXX Should be taken out od Adverse accounts Paid in full XXXX/XXXX/2015. XXXXXXXX XXXX # XXXX- Should be removed, older than 10 yearsyears ... I have talked with this service on many occasions and beeninformed if they can not get the correct information to resolve an issue they usethe information they have whether it is correct or not. I do n't think this is aresopnsible way to run and affect someones elses life and credit. I think theFTC should should take mandatory reform and make sure the informationthere showing in their files that affect people 's live should be Actual-Factualand if it 's not. It should n't be there. I 'm very disenchanted with all creditreporting agencies and the disrupction they cause. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX # XXXX, Should be removed, older than 10 yearsI have talked with this Agency many times and their philosophy of how they interpet their information leaves something to be desired. The last person I spoke with told me when they check their information sources. The information they receive is published weather it 's correct or not. I do n't think this is advantages to the lives of consumers struggling to correct or repair their credit. I went round and round with this XXXX from Transunion and could not get an intelligent answer from him on how reliable their sources when refuting credible sources of information that now going to post on someones credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contact the collection agency to resolve an unpaid collection account that was on my credit bureau. I was told that the account would be shown as paid in full and i would have a letter faxed that would confirm the paid in full status along with removal from my credit bureau. I was instructed to send in a letter authorizing them to release this information via fax which i did. After days of not receiving the letter i called back to get the letter sent, and i was informed by the representative i will not be getting that letter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NHBA took XXXX from me, promised to clean credit, get in a first home buying situation. NHBA have had # K of my hard earned money without anything in return for my money. I received a FHA approval letter up to!! ) K and Conventional up to XXXX but No one in the city where I reside can do anything I must work with a staff person in another state inconvienously so. She has requested many documents every years. I send them she. Half heartedly sent some credit items to pay off then made a thin excuse for not sending anymore. This transaction happened in XX/XX/XXXX .I am soon to turn XXXX in XX/XX/XXXX without a home as of yet. I guess she thought I would go away or die by now but I 'm yet alive and yet working to hold my income higher by yet in the full time employment stag of life. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have been contacting Experian for more than a year regarding their error in reporting. The collection was paid and it should not be included in my report as it is a court collection not a collection agency. They have said they have verified it but that is impossible because the information is still wrong! this is hurting my credit badly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Commonwealth financial is not at all professional and are harassing in violation. 

This debt was discharged as being invalid on at least one bureau and is under investigation as well. I am being harassed when I have requested not to be contacted. Additionally the number they are calling is not my own and the owner has requested no further communication yet the representatives antagonize her, make odd statements in singsong voices and continue to call and harass, even outside of allowed hours. This number should be removed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The XXXX account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX balance transfers, both with a 0 % promotional balance on my Bank of America : XXXX XXXX XXXX credit card. 
0 % balance transfer 1 - Transaction date : XXXX/XXXX/XXXX for {$2000.00} with a 3 % fee. Promotion expired XXXX/XXXX/XXXX. 
0 % balance transfer 2 - Transaction date : XXXX/XXXX/XXXX for {$1400.00} with a 3 % fee. Promotion expires XXXX/XXXX/XXXX. 
I had made minimum monthly payments to this card. On XXXX/XXXX/XXXX I made a full payment for the {$2000.00} balance + 3 % fee ( {$60.00} ). As of my account statement ending on XXXX/XXXX/XXXX, instead of continuing my 0 % balance transfer ending on XXXX/XXXX/XXXX, I was charged an interest on {$950.00} of " outstanding balance. '' Bank of America refuses to refund the interest and states that all principal must be made to avoid further interest costs - they are blaming me for not paying the full amount even though the balance transfer promotion does not end until XXXX/XXXX/XXXX. I called in multiple times before the promotion expiring to ensure I would not be charged the interest cost. I 've attached my account statements and a document I requested from BOA in regards to how payments will be allocated to my Bank of America : XXXX credit card. 
Thank you, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried to refinance my mortgage with BB & T for the last 3 years and am not successful. 
In 2008 the value of my property dropped below the loan amount so I did not quality for refinacing. The property is not marketable with the loan above the loan value. I have looked at the haarp program but my exusting loan was closed two months before I would be eligible for the XXXX program. I have had a law firm helping me, XXXX XXXX XXXX firm, but they have not helped at all. 
I have retired since purchased this home and my total income is from SSI of {$1600.00} per month and my payment are {$910.00} per month. I have continued to make payments but they are very steep for me. If I could refinance with a interest rate of 3 % my payments would be reduced around {$200.00} which would be more affordable at this time. I would like to keep the home and stay here but with ssi not increasing this year and inflation still going up at 3 % it will be a matter of time before my home will not be affordable. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a case opened with experian here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX 

Company response: Company chooses not to provide a public response