AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have incorrect creditor collection balances. The information is incorrect. My car and apartment was broken into while I was Living at XXXX. In my lease agreement I signed gave stated I have the right to break my lease if that incident was ever to happen. While staying at XXXX my apartment was also broken into and I also made a police report. These creditors are affecting my credit with false judgement 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I signed up for a reverse mortgage and was told that when I signed up that I would be grandfathered in before the new laws were to come into effect. I and my wife signed a contract on XXXX XXXX and did the XXXX counseling on XXXX, 2015. However, after all the paperwork was completed they decided to rewright the contract under the new laws. This put me in a bind because we would have to start all over again. Plus the agent told us to save our mortgage money and now we are behind in XXXX, 2015 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed some late payment information on my credit report, the results came back as valid. I then requested an investigation into these late payments and again the report states new information listed, but the same deliquent payments are being reported. I want to know how the information was investigated and what is the new information being reported when the same disputed information is being listed. If the investigation was conducted I want to know who they spoke to, what time and department. I want the deliquent payments removed because I have never been late 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian continues to report negative data reported on the credit report as of this date the FCRA say that information can not be kept on a credit file for more than 7 years since opening the attached data continues to be kept by Experian as of this date this is a violation of our civil rights Since XXXX XXXX was opened in XX/XX/XXXX which is 16 years and XXXX XXXX which we never had an account with but apparently was opened in XX/XX/XXXX which If we had an account with was never notified and XXXX with was opened in XX/XX/XXXX which was 12 years ago. the XXXX original Case is above document are attached since I am XXXX this is elder abuse 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through XXXX with no closing date yet last reported on XX/XX/XXXX. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through Transunion and XXXX that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2014, my husband and I signed a residential contract of sale form to purchase a house. Wells Fargo was the name of the bank we used to finance the loan. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested my husband and I to have this house inspected by a company which they must approve that is contracted and authorized to supervise and sign off on rehab work. My husband and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 

After the inspection was done and I found that the roof repair estimation was incorrect because it was for a XXXX roof instead of a XXXX roof. I had paid a XXXX {$250.00} to inspect the XXXX roof and give me the cost to either repair or replaced the roof. When the contractor emailed me the estimation, I had forward the email to my loan officer at Wells Fargo. He told me that he suggest that my husband and I let the house go and he did not communicate with me any more. I have called him numerous times and emailed him as well to let him know that my husband and I still want to move forward in purchasing the home ; we told our agent as well but the loan officer never called me or replied to any of my emails. My husband and I was willing to pay for the roof repair in order that we may stay within the loan approval amount. The loan officer which was handling our loan paper work never took our desire into consideration and as a result we lost out on purchasing the home and lost our {$800.00} for the mandatory inspection as well as the {$250.00} XXXX roof inspection. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is who I have my mortgage threw at XXXX XXXX XXXX XXXX XXXX Texas I am complaining about my Insurance that I have on my mortgage, late charges from XX/XX/XXXX threw XX/XX/XXXX, XXXX, was charges for XX/XX/XXXX threw XX/XX/XXXX was different from what XXXX charges, My dwelling was almost double add up to over XXXX per year. My monthly mortgage note was over inflated, FHA insurance was not matching was they was drawing from my escrow, over charges on escrow and saying they gave me a refund, I received on two payment from XX/XX/XXXX threw XX/XX/XXXX and check was deposit or said cashed to my account do n't match my signature, retaliation on not excepting payment in XXXX/XXXX/XXXX I send it about four time and it was sent back, retaliation letters to foreclosure on my home, I never missed or been behindRetaliation for filling a complaint with the OCC for foregoing my name to document, they said I request for assistance but I did n't they called me and I said I never been behind on my mortgage and send treating letter of foreclosing, when I call for a pay off they refuses to give it to me, I would like my whole account looked into, if they want me to vacate my home then they need to pay off what I owe on my home, giving out my private information and phone number to brokers, pulling my credit report without my permission for marking there products, signature on deposit slip sign by employees, 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid the debt over a year ago from XXXX XXXX XXXX. They closed my account, however Trans Union has yet to report the account closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or around XXXX 2014 in an effort to open a new credit line I was informed that the creditor was unable to open my request. In an effort to find out what was going on I contacted all XXXX major credit bureaus and I was informed that and became aware of several entries including various inquires which were never authorized. Upon receiving this information I contacted the source directly only to be told they had no information and to submit my dispute in writing as well as contact law enforcement. As requested I did all of the following and was provided several months later a copy of the report to provide to both the sources as well as the credit reporting agencies. After several months of going back in forth I received notification that they verified the account as accurate and refused to use law enforcement 's report. Since that time I have continued my efforts only to be ignored and to date they have refused to supply me with a complete outline of the verification process they have conducted. 

Company response: Company chooses not to provide a public response
Consumer complaint: SOME XXXX XXXX SPELLED MY NAME FROM XXXX TO XXXX I NEED TO GET THAT REMOVED I BELIEVE IT WAS JUST A MISS SPELLING OF MY LAST NAME THANK YOU 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been a customer of Regions bank since 2008 when my mother and I set up an account before I went off to college. Initially when the account was created, we made it very clear that we did not want my account to be overdrawn due to insufficient funds. At XXXX years old I was financially irresponsible and did n't want to risk being penalized a ton of NSF fees so we wanted the debit card to " decline '' rather than continuing with the transaction and earning a fee. Due to recurring NSF fee charges on countless occasions, I 've been to Regions Bank multiple times to reiterate that I did not want the " overdraft protection '' yet I was still being charged NSF fees when I specifically stated that wanted the card to decline. 2 months ago I visited a local Regions Bank concerning the issue and it was finally resolved with the click of button their computer. I 've been wrongfully charged NSF fees for the past 7 years and I should be compensated for those charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC. 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof fro there company. 
Letter sent to Enhanced Recovery to cease collecting and delete from my credit reports on the false claim of debt is attached. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, XXXX bac XXXX XXXX XXXX XXXX, XXXX GA XXXXThe parties above, Has all committed Fraud and not allowed me to apply for short sale by home and by NOTgiving me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Has committed Fraud by not giving to me the correct " notice '' that B of A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXResend and STOP THE Foreclosure, HAVE THE BANK WORK WITH ME TO START A SHORT SALE AND HELP ME TO KNOW FOR SURE WHO IS THE CORRECT SERVICING LOAN MORTGAGE COMPANY. 

The parties below, Have all committed Fraudand are planning a foreclosure sale on XX/XX/2015 in XXXX XXXX GA. 
Bank of America Mortgage XXXXandXXXX XXXX XXXX XXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by not giving to me the correct " notice '' that Bof A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX and XXXX XXXX 2015, I received a demand letter from Linebarger Goggan Blair & Sampson , LLP in XXXX, IL stipulating that they represent the State of Illinois -Department of Revenue in a collection of tax obligation. My complaint is I have never received any correspondence from the Department of Revenue regarding any delinquent taxes for the years indicated in the demand letter sent by this law firm/collection agency. Moreover, I have paid my state income taxes for the years identified in their correspondence. This demand letter seems to be a fraudulent claim of debt or deceptive action to scare me into payment of a tax claim that I do not owe. The language in the demand letter utilizes legal verbaige to bully and coerce a person into paying monies they do not owe. This practice seems deceptive and an unfair way of doing business. As a senior citizen, I find theses correspondance abusive and alarming. 

On XXXX XXXX, 2015, I sent a letter to Linebarger Goggan Blair & Sampson , LLP requesting as per the Fair Debt Collection Pracice Act, they forward all documentation to me to validate this claim. Instead of adhereing to the federal law, they sent me the XXXX XXXX letter demanding payment of {$30000.00} or else. They have not sent me any documentation to validate this claim. This action seems to be in direct conflict with the law or autocratic demeanor that they are above the law. 
If this firm is pursuing me like this, one can only assume they are doing this to many people in Illinois and/or throughout the country. 

Your immediate attention and action to this concern is requested. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was billed a late fee and subsequently charged XXXX the minimum monthly payment for XXXX XXXX billing period. The payment in the amount of {$35.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Dillard 's Credit card, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX as well as XXXX ( Supervisor of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised me that they would remove the late fee but as a XXXX courtesy but the double payment of {$79.00} is still due. I asked for her manager and XXXX refused stating she would not transfer the call further. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office was located in XXXX XXXX XXXX, Iowa. Both XXXX and XXXX were very rude and condescending and basically stated that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, l signed for Debt protection with PenFed Bank l was been billed almost {$55.00} a month, fast forward to XX/XX/XXXX, l lost my business and l need help with my debt protection pending getting back on my feet ; l was declined due to RED TAPE that internally created by PenFed to discourage folks from applying for debt protection, l was asked for numerous documents l submitted every single documents despite all this documents l was declined debt protection and l was told by one of the PenFed representatives that only DEAD PEOPLE qualified for debt protection, because l am still living l do not qualify ; l found this very offensive, l attached application form for debt protection ; this document clearly says in case of involuntary unemployment l am qualified, l paid over {$5000.00} for this protection now that l needed it l was denied for unreasonable reason. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am needing an advise on what to do with CashCall. I have the loan with them around XXXX. I have been paying religously and try not to be late with that company. But when I called last month my loan is still $ XXXX. I asked how come the loan never came down and was told that only {$3.00} goes to principal. I was shock and blame myself for taking this loan as last year was very hard for my family and I. I was working as a contract for work and did the CashCall loan as we need it. I have paid them to date {$1600.00}. The reason why I tried to keep on paying on it is because I read alot of how they harassed their customers. I cant afford to pay this anymore and afraid that if I stop paying they might harassed me at work and I am still new in here. Can you please help me as what to do. Thank you so much and god bless ... If you published this please change the my name. Thank you again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXXandXXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXALL the parties above, Have all committed Fraud by not giving to me the correct " notice '' that XXXX XXXX is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell 

Company response: Company chooses not to provide a public response
Consumer complaint: I am getting a report that has told me some one has open a mortgage in my name and credit my credit score is now down I believe because of it. I have not open a mortgage loan at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm trying to do a short pay on the property deeded in my name, the original loan was in my ex husbands name ; so I 'm trying to get the loan in my name. My ex husband was the victim of predatory lending and the mortgage on the home is what lenders call " upside down '', when my ex husband left he filed bankruptcy on the loan and I started paying it so I would n't lose the home. At one point it went into foreclosure because of the monthly payment and I was unable to pay it. I would like to get this mortgage in my name and not have to worry about it going into foreclosure again. I was working with the previous servicing company that serviced the loan and the loan was transferred to another servicing company. The current company has been giving me the run around on the loan, I have submitted all documents they have asked for an even proven that the property is not worth the VPO value determined by an estimate they obtained. The servicing company tells me that the variance is determined by a third party vendor of theirs but will not supply me with the name, they have refused to tell me who now holds the actual mortgage on my property and that I have to deal with them. I 'm not allowed to speak with their underwriters or anyone within the company other than their customer service agents. I 've tried numerous times to go through their resolution department to no avail. I finally decided to do some research on my own and found out that this particular company was fined in the past by the Federal Trade Commission for unfair business practices that caused numerous people to lose their homes. I have a XXXX son and I have lived in this home with him and modified it for his use since XXXX. The previous serving company had come to an estimated value of XXXX XXXX and I 'm willing to pay that, the current servicing company is in no way willing to take XXXX XXXX when I 've submitted document proving its value to on be worth that amount and even offered to show them the correspondence from the previous servicing company. The current company is wanting XXXX XXXX more. I 've asked them to justify to me how they can determine the property is worth more than the previous servicing company. Their customer service agents do not forward my estimates when I turn them in and then I 'm told the final decision has been made. Honestly, I think the company is trying to push me into a foreclosure, they contacted my ex husband and tried to talk him into signing a deed in lieu so they could put the house on the market and sell it. I honestly believe this company is trying to sell my home out from under me using whatever means possible. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had requested my credit report from Trans Union after a mortgage company claimed that all XXXX of my reports were very negative. Since I had a score in the XXXX just a month ago, I knew there was a problem and wanted to find out what was going on. I had to pay {$1.00} to Trans Unionand I saw the report and my FICO score online ( which was in the XXXX ). The next day, I received an e-mail from then stating that the {$1.00} enroled me into a credit monitoring service and if I did n't opt out in XXXX days they would deduct {$17.00} from my checking every month! I had reported a similar problem with XXXX, and they let me opt out. However, with Trans Union, there is no way to contact them to stop the payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: My servicer, Select Portfolio Servicing ( SPS ), has made major errors in the following areas : XXXX. SPS mailed my trial modification to a strange company and did not use my address. XXXX. I became aware of my approval for a trial modification in XXXX and the XXXX payment was XXXX XXXX. XXXX. SPS has grossly inflated my income. All these errors were made in an attempt by SPS to cause a deliberate default on the trial modification. SPS prefers to profit from foreclosures. See attached - SPS mailed an approval to XXXX at an address that is not mine. I have never conducted business with XXXX. SPS informed me of my approval in XXXX and told me my XXXX payment was due XXXX XXXX. Finally, my pay stubs are attached. SPS falsely claims I make {$9300.00} per month. It is blatantly clear that they have confused my file with another. I have additional income with a rental property. This income becomes a wash when using the 75 % underwriting standard. My income was inflated by a XXXX dollars each month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX XXXX, 2007 I filed bankruptcy and included XXXX mortgages with Sun Trust. But Sun Trust continues saying i 'm over XXXX days late on this mortgage for almost XXXX years. I am in the process of trying to get a new mortgage now and can not until this clears up. I have written them and spoken to them about removing this from my credit. they are illegally reporting this. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I made a payment of {$1800.00} to XXXX XXXX XXXX XXXX, in satisfaction of my XXXX mortgage payment of {$1400.00}, due on XXXX XXXX. Per the terms of my mortgage loan, the additional payment of XXXX was to be applied against principal. On or about XXXX XXXX, 2015 XXXX XXXX XXXX transferred the servicing of my mortgage to US Bank. It is my understanding that when this occurred, the {$1400.00} portion of my payment was sent to US Bank at the time that the servicing was transferred, but the additional {$350.00} was retained. I called XXXX XXXX prior to XXXX XXXX to understand why the additional payment had not been sent, and they responded that the additional monies would be wired on XXXX XXXX. In reality, the monies were sent by XXXX on XXXX XXXX, with instructions that the payment should be effective as of XXXX XXXX. US Bank received the wire on XXXX XXXX, and applied the amount to my escrow account. I later called US Bank to have the additional {$350.00} applied to principal as of XXXX XXXX, but they would only apply it to principal as of XXXX XXXX. I called XXXX XXXX to understand the situation on their end, and they acknowledged that their system did indicate that the wire should have been sent on XXXX XXXX, but it was only sent on XXXX XXXX. However, they have asserted that they did include instructions within the wire that it should have been effective as of XXXX XXXX. 

Company response: Company chooses not to provide a public response