AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This afternoon I attempted to contact Renton Collections over the phone to find out additional information about a collection account they were reporting with the original company " XXXX Inc ''. I suspect it may have been a medical item that should have been covered by my insurance. After verifying the account number on the credit report, my DOB and my address, the representative refused to speak with me because I would not provide my Social Security number over the phone. A XXXX representative got on the phone, then said he was going to put that I was refusing to identify myself and said he 'd transfer me to a supervisor so I could " talk about my feelings '' and was dismissive about my concern and need to address the issue on my credit. He was clearly intending to upset me any way possible, while not providing any additional information about the debt on my credit report. The supervisor ( XXXX XXXX I believe was the name ) was incredibly rude, would not assist me even after I provided my DOB again and informed her I had provided both the account number and the address. When I tried to explain the situation about how the other representatives would not assist me even with the requested information, said she would put me on hold and I could hang up whenever I 'd like. I identified myself, with the exception of not providing my Social, a practice that help prevent identity fraud. I do n't have sufficient information to get this resolved, so I have tried calling XXXX directly, but their billing department was closed. 

Company response: Company believes it acted appropriately as authorized by contract or law
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 Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX 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 XX/XX/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: My complaint is against BB & T. The story begins back in XXXX of XXXX with my attempts to contact them to refinance my XXXX and XXXX mortgages because I knew that in the coming months I would not be able to afford both mortgages but might could if I combined them into XXXX. Despite numerous attempts on my part to get someone to contact me a out a refi, the time came when I was XXXX month away from having no more money to fall back on to make my regular payment. So I contacted their collection department to let them know about the impending doom. Since i was still current they could not help me, which I already knew but didnt know who else to call, so they transferred me to their loan modification department. I explained my story again and was told they could n't help me until I was already behind. I explained to them that XXXX Bank held the XXXX mortgage. They said do t worry about them because since they were in second position they couldnt take our house. When I finally had no other choice but to get behind I called their loan modification dept again. To make a long story short, after filling out the same exact paperwork XXXX TIMES and having them tell us on the XXXX XXXX attempts that they never received it, on the fourth attempt my husband stayed on the phone with an actual person until he received it via fax at which point we were told foreclosure had already been started and there was nothing that could be done. OF COURSE NOT!! 
Since that time which by this point was I think late XXXX, keeping in mind that I had to file BANKRUPTCY in XXXX to make this " go away '' or so I thought. Since that time they have " foreclosed '' on this house XXXX TIMES, didnt know that was even possible. XXXX of which were after I filed the chapter XXXX BK and they did send letters to us and run our names in our local paper each time. At the third attempt of their attorney contacting us, we had an attorney friend of mine send them a cease and desist letter. To NO ONE 'S SURPRISE they changed lawyers and contacted us AGAIN. They are going to run it in our local paper AGAIN! 
I will say this with 100 % honesty ; if I had known back in XXXX that it would take them this long to get their ducks in a row, I would have just lived for free in that house and AT LEAST it would not be in the shape it is in after having set for FIVE years basically unattended. 
This is ridiculous! It is unprofessional to say the least! I have NO CLUE how it is not perceived as harassment because LET ME ASSURE YOU I feel harrassed! Especially after I made every good faith effort I possibly could to work this debt out before it got to the point it did. 
The damage has already been done to me and my family by these .... People! Please investigate their heinous business practices and stop them from doing this to others. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the XXXX addendum to my XXXX complaint. I returned a call to Wells Fargo, thinking that it was about this complaint. I could n't have been more incorrect. I spoke with XXXX XXXX and was informed that even though I signed all the mortgage documents on XXXX XXXX, now, a month later I still owe them {$640.00} because the title company screwed up the numbers. I was told that I need to call the title company. You can not imagine my level of frustration. To be honest, I am so sick of these banks not being held accountable. 
XXXX they try to take {$2200.00} out of my account that I did n't owe them. Then, they tell me that they had no record of my call to stop the auto payment, then they tell me that I have to call my bank to stop the payment. They then proceed to try and take {$2200.00} out of my account XXXX more times. In the mean time I 've been charged XXXX in overdraft fees and recurring overdraft fees. Oh and by the way, my bank wanted to charge another XXXX for each of the stop payments, which would have been another {$69.00}. Now, this thing about the title company screwing up!! Seems to me that a violation of the Electronic Funds Transfer Act and parts of the Real Estate Settlement Procedures Act occurred here. They keep telling me that I have to fix their mistakes and pay for their mistakes. 

Company response: Company chooses not to provide a public response
Consumer complaint: unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. 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 XX/XX/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: I needed the year of birth corrected on Transunion file. I called the customer service, they directed me to a fax number which is not working, nor ringing, it is always engaged. I complained they asked me to send a letter in writing, they said allow 5 business days for the transaction to process, I am concerned because I 've already sent a letter, but they claim they have no way to acknowledge when they would receive it, simply stating to me that when there processing department does, they will update. I am just frustrated because they are not offering any confirmation when they received my documents XXXX copy of request in writing to update my year of birth including copy of drivers license ) I would be appreciative if you can put pressure, this is affecting me in getting a loan approved. I will attach here what I have sent to Transunion at XXXX. XXXX XXXX XXXX, PA XXXX 

Company response: Company chooses not to provide a public response
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 Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XX/XX/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 XX/XX/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: In XXXX 2015 I applied for a principal reduction on my mortgage with Keep Your Home California. In XXXX 2015 I received a letter from Keep Your Home California stating that I had been approved. They stated that they would be electronically sending a check in the amount of {$43000.00} to Bank of America that would lower my principal balance by {$43000.00}. This money was posted by B of A to my account on XXXX XXXX, 2015. 
I have been trying to " recast '' my mortgage so that it makes sense to me and have spoken to at least XXXX people at Bank of America ; in all different departments ; mostly CSR ; s, but a few supervisors and managers. I have spoken with B of A reps from XXXX, just to name a few. 
I am still waiting for Bank of America to " recast '' my mortgage so that my monthly payments will be affordable for me. 
Short of flying to XXXX, XXXX, to storm the office of Bank of America 's CEO, XXXX XXXX, I do not know what to do. 
I need help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I no longer want an impound account. I wish to pay my homeowner 's insurance AND property taxes myself, as that will " free up '' more money for me during the month for other bills. I am on XXXX XXXX XXXX and have a limited monthly budget. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX would like to dispute XXXX First delinquency. On my credit file I printed on XX/XX/XXXX the first delinquency was back in XX/XX/XXXX. XXXX keep reporting different delinquency dates to Experian. Seven Years from the first delinquency is when XXXX is suppose to be removed from my credit file and on XX/XX/XXXX it will be seven years from my first delinquency an I would like XXXX removed from my Experian credit report. XXXX is showing a delinquent date of XX/XX/XXXX. on my credit report XXXX is not showing the my payment history from XX/XX/XXXX to XX/XX/XXXX on my credit report where my first delinquent payment is missing on my credit report. XXXX is sending Experian conflicting delinquency dates to prolong this adverse to be on my Experian credit file and I would like XXXX to be removed from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX was paid off and not for amount listed and is a closed paid off accountXXXX XXXX was paid long ago and the company no longer exists to get this corrected as is a XXXX balance and closed so should be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. XXXX XXXX was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of XXXX mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by XXXX USA staff. 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust Bank has duplicate reports, reflecting negative history. 
XXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. 
Mortgage hard inquiry most recent not authorized to be done. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account is passed 7 years XXXX XXXX 2008 salute. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent cybersecurity incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit monitoring service with XXXX XXXX XXXX XXXX, I was unable to register for the service because your company shows me as " deceased ''. 

The XXXX staff instructed me to contact your company which I, also, did on XXXX XXXX, 2015. During that conversation with a person named XXXX, I was instructed that I needed to confirm my " non-deceaseness '' by providing a copy of my Social Security card and Form XXXX. You will find the requested information enclosed. Please correct your records to show that I am still among the living! XXXX informed me that I needed to contact the " Social Administration Department '' for a XXXX. I queried him a couple of times as to what and where I was to find contact information for said Department. So with those incomplete instructions, I decided to try the Social Security Administration, which is the Agency I needed to contact for XXXX. I suggest you have your employees read the entire screen during their contacts to ensure that all of the necessary information gets passed along. 

I inquired of your employee when, who and how I came to be shown as " deceased '' in your company 's records. He could not provide any clarification to my questions. I want an answer in writing with the details of the how, who, and when of the reports you received changing my living status to " deceased ''. It is incredulous to me that with the click of a few buttons in your data base showing me as " deceased '' should become an issue that I have to fix!!! 

Your immediate attention to this issue is vital. And provide a written notification to me that you have corrected your error. I can not enroll with XXXX credit monitoring until my status of " deceased '' is changed to " living '' in your data! 

With quickest regards, XXXX XXXX XXXX XXXX ) CC : Consumer Finance Protection Bureau 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I applied for a HARP loan through my lender, Bank of America. During the application I disclosed that I had a bankruptcy which was discharged. In the bankruptcy process I was unaware of a choice of reaffirming or not reaffirming my mortgage, even tho I did not include the mortgage in the bankruptcy. I advised the loan officer that no form existed and that I had first hand knowledge that some HARP loans get underwritten and closed even tho no reaffirmation form exists when the debtor has paid as agreed. The application went through processing. I was then denied based on the lack of the reaffirmation form. No exception could be made. 
I APPLIED FOR THE HARP LOAN TO REDUCE MY MONTHLY MORTGAGE PAYMENT. 
I WOULD NOT QUALIFY FOR A CONVENTIONAL LOAN BECAUSE I AM RETIRED, Yes retired from BANK OF AMERICA XXXX. 
I am writing because the HARP LOAN was designed to help people in my situation. 
I am asking for some intervention so that I can succeed at reducing my mortgage payment so that I can stay in my home that I built ( much of my own sweat ) many years ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice due to a negative item on my credit report. I also recieved a bill from a debt-collecting agency ( CPA ) that stated I owed a bill for the amount of {$1500.00}. This was from XXXX which stated that I opened an account on XXXX XXXX in XXXX in 2014 at which I did not live. When I contacted XXXX they stated several times that my information had been purged out of the system but that the account had been opened with a passport by a woman. This was evidently not me or my account. No contact information for any managers or any persons that could address the situation was given by any of the employees at XXXX. The only way to get through is to call the automated system and explain your way through a new person every time. After being told I would be called back and not receiving any calls I have become very frustrated especially when I have found this on my credit report. Also in order to clear the matter I was told I needed a police report. The police officer told me I needed an affidavit from XXXX in order to file the report but I can not obtain that from XXXX nor can I contact anyone from the company to help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call on XXXX/XXXX/2015 at XXXX from a collector at JVS Group XXXX a collection company ). He may have told me his name, but I do n't recall hearing it. I submitted disputes to the credit bureaus and also directly to this company on a debt I allegedly owe. I wanted to get validation before I pay the debt as I am allowed under the FCRA, FDCPA. I was told over the phone by this gentleman at JVS Group that I had to talk to him on the phone since the account was disputed, per the law. That is a lie and that is not required under any Consumer Law. The same person also told me that the account was with the clinic, but I never was at the clinic he claims I was, but I did go to the hospital. That same person said he had pictures of me at the clinic, which I took as a threat to pay the bill. The phone call ended, which I believe was because he hung up on me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The suntrust HAMP settlement form arrived does n't list the correct amounts due me & my now deceased co-borrower and does n't list a " loan review '' which is necessary as I only missed XXXX payments over the entire life of the loan but have had the loan stretched additional XXXX years and XXXX added to balance due. In the catagories XXXX and XXXX according to settlement letter, are incorrect. Stating I had only XXXX trial periods during my loan modification process, I had XXXX sets of loan documents and XXXX different trials periods over the course of XXXX years, which I made all payments on time. I have all documentation of loan docs, letters, contacts, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX currently in my last year of XXXX. I have student loans with XXXX companies, FedLoan ( ~ $ XXXXcurrently in forbearance ) and National Education . I have been able to defer/forebear my loans during my training, as a XXXX is not sufficient to make payments while supporting my wife and child. They have requested several forms over the past two months, of which i have sent to them and they have continued to reject. My loans are in delinquency currently and they have been unwilling to budge on their stance. I have explained to them that I will only need to defer payments until after XXXX of 2016 at which time I will be employed as an XXXX and my income will be substantial enough to pay off the entire {$25000.00} balance with XXXX XXXX within a few months. They have requested on separate occasions, and subsequently rejected, a copy of my fellowship contract, a letter from my program director, as well as a letter from XXXX stating the status of my Federal loans. During the period of obtaining these documents, and them being rejected, they have begun charging late fees. It seems that their strategy MAY be to make it as difficult as possible to defer loan payments so they can bill a late fee and continue to reject documents they specificaly request in order to force a payment. I am not trying to skirt payments on my loans. I just need to feed my family until XX/XX/XXXX on my XXXX. after which I will certainly be finacially secure enough to pay off the loan in a very short time. 

Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
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 XXXX 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 XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response