AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My application for a " secured '' credit card was declined today because of false information on Experian credit report. Experian is reporting that a civil case in XXXX court from 2009 is still open and unpaid and the truth is the case is closed on the same date in 2009. I tried to order a copy of my credit report from Experian but they want my to send documents to prove who I am and they want me to pay {$20.00} for the credit report. I have n't been able to get a credit report in years as evidenced by the false information they are reporting since 2009, I am entitled to a free credit report, and my current address is the same address they used to provide false information on my credit report. I want my free credit report so I could address the false information experian is reporting, ther is no reason for them to charge me {$20.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: After Credit report disputes the Credit Bureau of Lancaster County , Inc . 
( XXXX County PA ) Is unable to provide an agreement of services or any signed document of a XXXX $ bill that is showing delinquent on my credit reports. 
They did however request that I pay the bill and request that it be removed from my report. I refused to acknowledge the debt. 
This is not a debt that I agreed to nor did I authorize. 
I was willing to actually pay it if it were completely removed from all XXXX major credit reporting agencies of which the Credit Bureau of Lancaster County , Inc . Refused. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion updated an old account ( XXXX XXXX CR XXXX # XXXX ) that was never late to 30 days past due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to the Bank of America ( BoA ) branch XXXX XXXX XXXX, NY on Friday XXXX XXXX, 2015 to pay my credit card bill in person with the payment coupon provided by BoA for a bill due Tuesday XXXX XXXX, 2015. The teller misapplied my payment to another account. I called BoA to fix the error on Monday XXXX XXXX, 2015 and I was told by the BoA representative that BoA would charge me interest for 7-10 business days after which time they would retract the interest from my next bill and apply my payment. 

I pay my bill in full every month and have had this card for 25 years. My payments that day ( I made XXXX cash payments to the same account ), if properly applied, would be for the full billing amount - no interest would be paid to BoA. I am unhappy that BoA misapplied my payment even though my payment coupon was printed for the proper account and that they are charging my account interest that they otherwise would not be able to ( by misapplying my payment to another account they prevented me from paying off said account in full ). Their solution to allow the interest to accrue and then take it off my next statement is unacceptable. By delaying the transfer of my payment to the proper account for 7-10 business days they hurt my credit and fraudulently charge me interest that they are not entitled to. 

When I asked the representative for a reference number for this transaction ( moving the payment to the proper account ) I was informed that BoA offers no such reference. I asked her for her name so I could have some verification that I discovered and reported to BoA the error in applying my payment and she would only give her initials. By refusing to provide me with verification for my request to fix BoA 's error, and only providing me with the initials of the representative after I pressed her for some type of verification, BoA gives the appearance of trying to set up the customer to suffer further errors ( BoA can always say they never got my call to fix their error, for instance ) in order to charge consumers more interest fraudulently. Applying my payment to the proper account should be made the same day I reported the error, especially as I found and reported the error in advance of the the bill 's due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bank through US Bank in XXXX Iowa, Address : XXXX XXXX XXXX, XXXX, IA XXXX. I have opted out from receiving over draft fees. However I am still being charged for them by manipulation of wording. I have attached a screenshot of my bank account balance. This fee is from US Bank because the ATM could n't retrieve money due to NSF. The fees are listed as the following:XX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Debit Purchase -visa Dd/br XXXX XXXX Ia {$9.00} - $ XXXXXX/XX/2015Overdraft Paid Fee Waived {$36.00} $ XXXXXX/XX/2015Overdraft Paid Fee {$36.00} - {$27.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is not my account. Remove immediately. I did not authorize myself to be added to this account. I do not have a XXXX credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: HI. I have been trying to get a loan modification from Wells, Fargo Home Mortgage. 
I am under a sheriff sale in less than 3 weeks ( XXXX/XXXX/2015 ). I have written to you about this and Wells, Fargo just leaves me a message that they are looking into it. 
I submitted all the information they wanted on XXXX/XXXX/2015 ( the day they told me it had to be in ). Then they sent me a letter that the information was to old a week later. My last letter from them was on XXXX XXXX, 2015 from XXXX XXXX, SVPand it states that they are looking into the inquiry from CFPB and I will have a result by XXXX XXXX, 2015. I have not heard anything from them. 
Please help! We live on XXXX. I ca n't sleep at night. 

Thank you, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Mortgage contacted me regarding an escrow overagecaused by non-payment of real estate taxes. I notified them that thepayments should be spread out in the next 12 months. I am male. Theco-borrower contacted the lender and spread it out for 60 months. Icontacted them and stated that this was not what I requested. Thelender stated that it could be changed verbally by either party. I said tochange it back. They stated they would. They called today to state thatthey would not. The lender stated they did not want to be involved. Istated they already were by spreading it to 60 months. The lenderrefused to change it back. So, it would appear the female co-borrowerhas the right to change my decision, but the male primary whose incomethe mortgage is based on has less rights on my own mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been receiving regular calls from XXXX. The name is not displayed on my caller ID, but it is a collection agency called Retrieval Masters. If I do not pick up I will get several calls a day. 

Upon speaking to the collector, I am told that I owe XXXX dollars to XXXX. The problem is that I am positive that I paid this debt last year. I have no proof, simply a very strong memory of doing so. I also do n't think that they have ever stated their company name. 

That said, memories can be wrong. I have asked, each time they 've called, for them to send me a letter detailing the amount owed, time of debt lapse, and all the other pertinent details. My first request was over a month ago ; I have received nothing in the mail and I know it is my right to ask for this information in writing. 

This last call from them, which happened today ( XXXX/XXXX/2015 ), I was threatened with a serious ding to my credit report. All of this combined is unacceptable behavior from a creditor in my mind. So I 'm filing this complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX I requested a loan remodification due to financial hardship ( I am a displaced worker attending school full-time ) with Citimortgage. I was told by my homeowner support specialists, XXXX XXXX and XXXX XXXX, that Citimortgage would report negative information to the credit reporting agencies regarding my account while the remodification was being processed and that after the remodification was approved and a XXXX day trial payment period was completed that Citimortgage would contact the credit reporting agencies to remove the negative information. The remodification was approved and I was advised that HUD paid my past due payment totaling {$6900.00} and escrow of XXXX a total of {$8400.00} and that a sub lien on my property must be satisfied before I can refinance or sale my home. I co-signed for a car loan for my son, co-owner of the property, in late XXXX of this year and I received several denial letters indicating that there were serious delinquincies on my credit report with XXXX. I requested a copy of my credit report with XXXX and it indicates that there was a maximum delinquency with Citimortgage of {$12000.00} for XXXX and {$6900.00} for XXXX. ( FYI homeowner support specialist also stated that my XX/XX/XXXX and XXXX payments would be included in the remodification and therefore I did not have to make those payments ) The delinquency period reported to the credit reporting agencies was from XXXX thru XXXX. I have contacted Citimortgage several times regarding this issue and this week I spoke with XXXX XXXX who stated that Citimortgage reports to the credit reporting agencies that the loan has been remodified and the delinquency has been resolved in situations such as mine. However, that is not what my credit reports reflects. XXXX XXXX stated that Citimortgage is a creditor and has no control over what the credit agency reports on my file when I advised her of what is actually reflected on my credit report. I also have a credit report from XXXX and it does not indicate that my loan was remodified and that the delinquency has been resolved. Therefore I am fairly certain that the same is true with XXXX. It is difficult for me to accept that a credit reporting agency would report any other than the information they receive from the creditor. 

Company response: Company chooses not to provide a public response
Consumer complaint: TRansunion has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Transunion allow a company to post something to my credit report without verification? Transunion has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: the company that reports credit EXPERIAN HAS OVER XXXX XXXX ADDRESSES THAT ARE NOT MINE AND OUT DATED INFORMATIONADDRESSES ABOUT XXXXOUTGATED INFORMATIONREQUESTED A SCORE AND REPORT AND THEY SENT NOTHING 

Company response: Company chooses not to provide a public response
Consumer complaint: I overpard my balance on a credit card by {$15.00} and three months later I still can not get a refund. I think I 'm owed the over payment plus interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied online for a HARP loan and received a phone call from ( RUM ) Royal United Mortgage. 
After verifying my credit score, mortgage payment history, and income, XXXX XXXX XXXX informed me that Royal United Mortgage would finance my mortgage which is at 6.99 % to 4.3 % in less than 30 days. I was told that certain debits would be paid with the cash advance, and I would not need to make a mortgage payment until XXXX, 2015. After electronically signing what I thought was my loan agreement, I was told I needed to pay $ # {$390.00} for an appraisal. After the payment of the appraisal cleared my bank Royal united Mortgage stated they could not do the loan. I DONOT believe RUM had any plans of refinancing my mortgage. I searched on line for complaints against this company and found many, many other consumers complaining about being denied after paying for an appraisal. I sent an email requesting a RUM return my {$390.00} and that I was filing FRAUD against them with my bank. 
How can this company prey on consumers like this. I am a retired senior and {$390.00} is a lot of money for me. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan was service released to GreenTree from XXXX. We requested a payment history of the debt is owed from the time the loan was originated. GreenTree has stated that they do not have to provide the history to support the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is my XXXX submission. This is not an issue for the FTC. It is a violation of the FCRA Section 623 ( a ) ( 1 ) ( a ). I settled this debt with Rushmore for my XXXX card. I disputed it with the credit bureaus..they sent the dispute to XXXX XXXX and they simply applied the settlement to the balance and left a balance on my credit file. This is willful negligence of compliance with the Fair Credit Reporting Act. CFPB is an entity that enforces these violations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/2015. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/2015 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in ( I sent in an additional request on XXXX/XXXX/15 ). I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns! 

Company response: Company chooses not to provide a public response
Consumer complaint: Shellpoint Mortgage Servicing company has been reporting that I am overdue {$4.00} on a XXXX mortgage that I paid off in XXXX 2014. I am trying to take advantage of a refinance opportunity on my home mortgage so that I can finally get ahead on my budget. I sent Shellpoint a check for {$5.00} to clear up the balance again. They said that there were over {$2000.00} fees transferred with the account and I need to contact Resurgent. XXXX XXXX owns all of these servicing agencies. I have requested a breakdown of the fees and I get nowhere. Each time I inquire about the balance, I get targeted for more fees. This is so unfair. This loan was originally with HomEq. They sold to Resurgent. They sold to Shellpoint. I have worked so hard to get my finances back in order after Hurricane XXXX. I paid every bill that I owed even if the creditor had closed the account and gave a bad report to the credit bureau. I paid every balance. My credit bureau report shows that I have XXXX balances on accounts during that time. Now Shellpoint is reporting that an account I paid in full has not been paid and they are reporting this lie to all XXXX Bureaus every month. I do n't know how to get this removed from my credit. Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, I want to first give a background story as to why XXXX XXXX at Cheek Law firm began harassing me in XXXX. To begin, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Now that I have explained the back story, I will get into the harassment I have been enduring for seven years. Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by Cheek Law Firm and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. During this time period, XXXX XXXX from Cheek Law Firm has garnished my wages for 5 years, taking more than the original " debt ''. He has repeatedly called me and sent me fake letters saying I will go to jail. There can not be a case without a valid signature from certified mail, which leads me to believe a signature may have been forged. Cheek Law firm has left me alone since XXXX when the case was closed until now. I received a letter from Cheek Law Firm saying they are reopening my closed case and now this time XXXX XXXX wants {$4000.00}, with no reason as to why they are re opening the case, or why the money that was paid has somehow tripled in " debt ''. I have reached out to Cheek Law Firm to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like Cheek Law Firm to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. I would also like XXXX XXXX to stop stealing from me and harassing me by opening cases that have been closed for four years and asking for triple the original debt amount. 

Thank you, XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Dear sirs, Hello again, my case number was XXXX. The first case I had reported to you was about this collection agency who calls themselves " XXXX '' and that they were continuing to harass me about a debt I had owe. I am now being contacted by another collection agency who calls themselves XXXX XXXX XXXX. Whereas XXXX was using an " XXXX '' area code number to call me this new agency is using a " XXXX '' area code number to call me. This new collection agency called me on XXXX/XXXX/15. They have n't started harassing me as of yet, but I 'm very cautious of them, because they seemed to be operating in the same manner as XXXX did. They caught me totally off guard. I just want to report them to you because they are also starting to harass me about the same debt that I owe. And also, so that you can have an up date on what 's going on. They are call XXXX XXXX XXXX and their number is XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Hi. I have a student loan thru XXXX for {$7500.00}. Recently XXXX XXXX XXXX did a name change/update that now reports a student loan owing {$7500.00} to them in addition to the XXXX student loan. I contacted XXXX and they agreed that a single loan was being reported twice XXXX same balance, same acct #, different name ). They agreed to remove the XXXX loan. They did for one month and then it reappeared on my Transunion report. I contacted them again and they agreed. Same result, gone then back. Then I contacted Transunion and they did an investigation which resulted in Transunion deleting the duplicate loan. Then the following month is was back on. I just got off the phone with Transunion and they said they will start a dispute. I asked if I win what measures will Transunion take to make sure this stops. He said none. They are powerless to regulate what info appears on my report since it is only reporting the data, not generating the data. That is not acceptable. This has been going on since XXXX ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I lived in XXXX XXXX apartments. I was served papers that I owed them {$920.00}. They took me to civil court and the judge dismissed their case as I showed that the apartment was vacant and I paid all amounts due. This can be found in XXXX County Court in XXXX, In XXXX under court case number XXXX. They have since turned over this amount that was paid to a collection agency that has hurt my credit and calls me continuously. 

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