AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Cig financial in California repo my car now they want money from me. They are calling my wife and me telling us if we do n't give them XXXX $ they are gon na take me to court and take my last penny. Also said that when my kids get older and work my debt is going to transfer to them. I better pay or im gon na go to jail. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian continues to report inaccurate information on my XXXX XXXX account XXXX. 1. This is a charged of account from XX/XX/2008 it should no longer be being reported. 2. I requested you verify the information, and Experian has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4. Experian is the only cra that is reporting this invalid account. Account has been removed from XXXX and XXXX. Experian needs to remove account from my report immediately or I will seek legal action. You can not continue to report an account that is past the statute of limitations to be reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my credit report and discovered a collection account on my Experian report for {$480.00} from the company XXXX XXXX and on my XXXX report for the same dollar amount from the company XXXX XXXX and XXXX. Both of these companies listed the same address. I knew nothing about this collection so I requested validation of the debt via certified mail to XXXX on XXXX/XXXX/15 and XXXX XXXX XXXX XXXX on XXXX/XXXX/15. I have yet to hear a response although the collections are still showing up on my credit reports. I have disputed the information twice with Experian with results stating that the collection remains. I have also disputed the information with XXXX but have not gotten a final response. Even though Experian 's final response is that the collection remains, I still have no idea what this is for or when it occured. The account on my credit report shows this was opened on XXXX and that it 's a medical debt, but I, nor did any member of my family, have any medical appointments or otherwise in XXXX 2015. At the very least, this information is incorrect. I would like to have this information validated and for the information removed from my credit reports until it can be as I have no idea that this is even my debt to pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America ( BofA ) stole money from my account and refuse to refund the entire amount. Long story short, BofA assessed overdraft fees on my account, but my account did not reach a negative balance. I have attached screenshots evidencing that the account did not reach a negative balance. I called the customer service dept and they did refund XXXX of the overdraft charges, but refused to refund both. At the end of the day, I will no longer be utilizing this account and have changed my direct deposit to another bank, but wanted to make sure others are aware of the fraud occurring at this bank. ( and this is not the first time this has occurred ) 

Company response: Company chooses not to provide a public response
Consumer complaint: . I am currently having issues with my lender, XXXX, XXXX Weichert Financial. Yes I do have an attorney but I 'm afraid that all parties involved are at the mercy of my lender. Also with all the delays already, time will not allow me to find a new lender and restart the process. I have already filed a complaint with the nj department of Banking, but again time is against me. My wife and I are already suffering monetary and emotional damages. And these damages will be even greater if the seller refuses any more extensions. This is why I am pleading for help. 
The company delayed the processing of my loan. Company 's internal delays forced me to sign all the application paper work 4 times, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. All the meanwhile the company kept requesting redundant information, such as pay stubs. Closing was pushed XXXX times. Mortgage commitment was dated XXXX/XXXX/15 but was not released to me until XXXX/XXXX/15, with a page full of conditions to be met and closing scheduled for XXXX/XXXX/15. I have met all conditions with in 1 day except for the XXXX that required seller approval. They refused to proceed in lieu of seller response to condition requests. This caused additional delays, forcing the company to again request updated pay stubs. The loan program that I was trying to obtain was through the USDA, and all information was to be sent to USDA for final underwriting. Company delays caused the file not to be sent in a timely manner, and when the company finally sent the file to USDA, the updated pay stubs reflected a pay raise in my wife 's income, making me no longer eligible for the USDA program by a very marginal amount. Now I am forced to go with a more expensive FHA loan product and redo the process again. If the company processed everything in a timely manner, I would have closed before the issue of my wife 's surprise pay raise. Bottom line is that this company will cost me additional money for the next 30years because of their wrongdoing. Now all the same issues are happening again with the processing of my new loan file. Closing was scheduled for XXXX/XXXX/15 but it is pushed again ( if I get seller approval ) for internal process delays. I have almost all communications in writing via email and can explain the issue better over direct contact with investigator. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX, I applied for the HAMP with XXXX Bank. XXXX month into the " Trial Period '', my loan was sold to BSI Financial, which has been a nightmare from the start. My HAMP paperwork clearly states " The terms of your Trial Period Plan and your Modification Agreement will REQUIRE us to establish an Escrow Account if your loan does not already have one, and to set aside a portion of your new monthly payment in this escrow account for payment of PROPERTY TAXES, INSURANCE PREMIUMS and other required charges as they become due. I filed a complaint back in XXXX, after BSI stopped escrowing my Homeowners Insurance. Reference Complaint # XXXX. On XX/XX/XXXX BSI responded. Per BSI ( our records indicate that the REQUIRED Homeowners Insurance Escrow issue was corrected. This was an error and BSI apologizes for any distress this may have caused. ) Today when I went on my BSI website, I saw that it was no longer being escrowed. I called BSI Financial and was told that " they were no longer tracking my escrow and that Homeowners Insurance was to be paid by me. '' This is clearly not what my modification states. When I reach out to the HAMP website, it clearly states that Property taxes and Homeowners Insurance must be escrowed. I thought this was resolved back in XXXX!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: they would change their voice, and say they have a case against me and they going to take me to court.. different people keep calling from different numbers. last this last person name XXXX call and said that she was going to contact my job.I told her that she have to send me some info and she said that they dont. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Commercial realty loan complaint against CITIBANK. 

SITUATION. In XXXX 2007 I invested in XXXX, a Tenant in Common property in XXXX XXXX Iowa. Like most of the other CP investors I rolled over equity in an IRS XXXXexchange from a small property. 

XXXX XXXX ( XXXX ) was sold to a group of XXXX investors for XXXX, and set up as a tenant-in-common investment ( TIC ). In the case of XXXX a master lease promised guaranteed income like an annuity. Most XXXX owners, myself included, are over XXXX. For many the investment constituted much of their life savings which are now lost leaving some TIC owners dependent on their children or at the precipice of bankruptcy, XXXX even XXXX. 

After years of mismanagement, large capital calls amidst XXXX disbursements, and frustrating and costly civil litigation, XXXX went into foreclosure. Owners representing a XXXX % ownership have pending civil actions against the TIC sponsor, who is out of business and the asset manager who is in bankruptcy. These civil actions are unlikely to remedy the massive systematic fraud and injustice that has cost us much of our retirement savings while blighting our latter years with financial and personal anguish. 

CITIBANK. However, behind the sponsor and AM there is a giant deep pocket, Citibank, that our lawyers have deemed too big to sue but without whose collusion in writing, then selling, a loan which did not meet reasonable underwriting standards the owners would not have lost their savings. ( More details in attachments. ) Apparently realizing that the CP loan of XXXX was tainted with fraud and bound for foreclosure, Citibank sold it for XXXX to a vulture bank whose practices appear to be to buy distressed loans , drive out the equity investors, and flip the property. Citibank 's action has parallels to subprime loan abuse, only it the victims were elderly small investors, not home owners.The XXXX XXXX investors have lost more than XXXX total. There are hundreds of other defective TIC real estate loans that have damaged thousands of XXXX investors across the country. Nothing is being done against the banks who wrote loans that were used to defraud investors and perpetrate XXXX abuse. 

ASK. We ask CPFB to investigate the Citibank loan to XXXX XXXX XXXX and the sale of the loan and seek damages for the XXXX TIC investors, my self included. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: Filed Bankruptcy XXXX/XXXX/2015, Discharge was XXXX/XXXX/2015, I a a co-signer on my children 's student loan with Wells Fargo who was listed as a creditor. Now after the discharge Wells Fargo starts to send mail and starts contacting me by phone again. In speaking with my attorney it was said that all creditors listed in the Bankruptcy was discharged. Wells Fargo states in a letter dated XXXX/XXXX/2015, that when signing the Loan Request/Consumer Credit Agreement I certified that the loans would be used to pay for qualified higher education expenses and under the rules of the XXXX Bankruptcy Code, loans for qualified higher education expenses are not automatically discharged in bankruptcy. From my understanding it was told to me by my attorney that private loans can be discharge which Well Fargo Bank is. I am not able to pay this debt this is my reason for filing Chapter XXXX. I do not want Wells Fargo contacting me under any circumstances. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call in regards to making a payment. Made the rep know that I will pay on a certain date. He then stated thank you then hung up the line. Called back made complaint with supervisor. Heard nothing from supervisor and got a call from same company the next day after I made them aware the date I can pay. They can not post date a payment in their system. I then payed the debt and was told that if I sent an email to manager I could get it removed from my credit report because it was reported XXXX days before I made the payment. XXXX emails were sent to response. Made a XXXX complaint it was updated but not removed like I was told it would be. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: 1. On XXXX XXXX, I read my XXXX Red MasterCard statement and there are XXXX charges appeared fraudulent ( total {$250.00} ). I called in right away and I was assured the account was closed, and amount under investigation. 
2. I received phone calls asking me to pay, I refused and spoke with various people and again reassured that the account was closed and I am not responsible for the amount ; just wait for the paperwork. 
3. On XXXX/XXXX/15 someone called my husband ( whom is not on the credit card ) and he paid ( total {$250.00} ). I called my bank to dispute the amount as soon as he told me that he paid the above amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: I presented a check to be cashed at Wells Fargo as I have many times in the past. Some times I am asked to have one of the office personnel to " verify the check '', and other times the tellers refuse to honor the presentment, but will refuse to put the reason in writing. The reason they say ( of course no law supports this policy ) I must submit XXXX ( XXXX ) forms of ID because I am not a " customer ''. Well ... interesting concept there because, the items the banks allow are not even related to " identification '' whatsoever. And, the banks applicable policies on someone who is NOT a customer is an act of ultra vires at best. PERIOD. Such as a Drivers License, SSN, Birth Certificate, Bank Card etc. None of which are forms of ID. The mere act of being asked for another form of ID is in itself an accusation of fraud by my entering the bank and presenting the instrument simply because I 'm not a customer. In other words ... am I being accused of committing a crime by presenting a check and not being a customer? Law enforcement do n't even have that power to force someone to ID themselves if they are not being charged with a crime! So just WHO 'S authority is the BANK operating under? 

In essence, the banks demand something that does n't exist to honor an instrument issued by one of their own customers and the tellers are giving practicing law by legal advice at the window without a license to do so. The policy they are using, is no different than say if I had a church/company policy that says all " non Christians/employees '' will go to hell or be subject to paying my church for their non participation. 

Next step will be lawful actions for refusing to honor a legal instrument issued by one of their customers when presented at the window for exchange of federal reserve notes. All of which are a direct violation of their own Mission/Human rights Statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the last three months I have been working with XXXX XXXX torefinance my home. I had currently had my loan through XXXXWithout notifying me, XXXX XXXX XXXX sold my loan to Select PortfolioServicing, Inc. In fact when I opened the letter I thought it was a collectionagency, even though I knew my payments were paid it made wonder what wasup with this. I know that when a loan is transferred it is supposed to betransferred as it was with the previous lender. However, here is the problemMy property taxes are paid in my payment. When I called the new Loan companySPS they have not paid my property taxes. The representative stated thather supervisor stated that my loan was being analyzed and would not beprocessed for 60 days or more. In the mean time my taxes are not paid, eventhough I have paid SPS, and my new mortgage loan is put on hold becauseof XXXX XXXX XXXX selling my loan to SPS. Please help me with this matterI do feel I have not been treated fairly in many ways. thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing to dispute the account XXXX XXXX referenced above that is currently reporting on my Experian credit report. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated they were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself several times and have been unable to get them to verify that this is indeed my debt. 
I have previously enclosed copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this alleged debt to the collection company XXXX XXXX that is listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove this item. There is a clear case of unverified debt here, and I urge Experian to remove this alleged item before I am forced to take legal action. 
Experian is also continuing to report inaccurate personal information in regards to my name, address. 
I have never lived at the address that is currently being listed on my credit report the address is as follows:XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX VERIFY AND REMOVE THESE INACCURATE ADDRESS INFORMATION FROM MY EXPERIAN CREDIT REPORT AS SOON AS POSSIBLE, MY ADDRESS SHOULD ONLY BE REPORTING AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IDENTIFICATION NUMBER XXXX IS REFLECTING. 

I HAVE NEVER USED THESE NAMES WHICH IS AS FOLLOWS : XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX XXXXNAME IDENTIFICATION NUMBER:XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX NAME SHOULD ONLY BE REFLECTING AS FOLLOWS : XXXX XXXXORXXXX XXXX XXXXPLEASE REMOVE THESE OTHER ERRENOUS INACCURATE NAMES FROM MY EXPERIAN CREDIT REPORT. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wels Fargo ripped me off for {$7.00} to cash a {$200.00} check. 

Company response: Company chooses not to provide a public response
Consumer complaint: Flagstar bank did not pay my home owners insurance from escrow account for 2014. The only way I found that out, having to file a claim on house damage. Instead of assisting to get the damage fixed, they assigned me forced insurance, and I have been denied from their insurance company, while I would have had it taken care of with my original insurance company. Now, no one will answer e-mail or phone calls and my house has XXXX of dollars in damage. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit report it shows that I have an open credit card with XXXX. That is not the case. I only possess XXXX credit cards, XXXX through XXXX Bank and XXXX through XXXX XXXX Bank. My father whose name is XXXX XXXX has the XXXX card in his name. My name is XXXX XXXX XXXX. We are not the same people. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX XXXX account on report that is XXXX years old. XXXX keeps updating account to keep on credit report. Account # XXXX should be deleted. XXXX 's account # XXXX account is paid in full not charge off. XXXX XXXX has the same account posted XXXX on report. The charge off account should be removed Account was paid in full. XXXX account # XXXX is XXXX years old and should be deleted. Both XXXX accounts # XXXX and # XXXX I received a XXXX for those accounts so they should have been removed. XXXX Bank # XXXX should be removed account paid in full and amount is wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint XXXX settled all of my credit cards with a lawful financial instrument under XXXXThere are no rules regarding how debts are to be settled as long as lawful. Banks are misreporting : Barclays, XXXX, XXXX Bank, XXXX and XXXX XXXX. Credit report shows a charge off but they never returned the instrument and under XXXX XXXX states that even if the settlement is declined or rejected the debt is settled. Notwithstanding that all these banks and credit reporting agencies received the complaint, they have been trying to duck and dive around the law. I need help getting this cleared off my credit reportI am an insurance agent and companies with whom I contract are denying my applications and it is affecting my income 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent XXXX letters to Experian Credit Reporting Agency now in regards to old debts on my account from 2004. The FTC says these debts should drop off your credit report after XXXX years. I notified Experian that these are still on my credit report, yet after XXXX months have not had one response in regards to them and they still show on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: There 's XXXX judgements that are supposed to be remove, it was vacated and resolved in XX/XX/XXXX, and XX/XX/XXXX, it was investigated and found paid for. The judgments should not be in my credit report. It 's even posted in my report. Also the fact that I 'm still located at the current address it 's also proof of payment been made. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attached the account I was only a authorized user on this account have have been removed off this account since 2009 and it has been requested to be removed off my account this belongs to my ex husband please remove contact XXXX I am not on this account and havent been for years please correct 

Company response: Company chooses not to provide a public response