AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a XXXX American Express credit card. I have not used it since XX/XX/XXXX, and due to a return credit, have, or had, a credit balance of {$18.00}. 
I looked at my account online XX/XX/XXXX to research a prior purchase to discover XXXX fraudulent charges, XXXX XXXX XXXX/XXXX/15 for {$870.00} to a liquor store in XXXX, XXXX, XXXX to a fast food place for {$3.00} in XXXX and {$25.00} Service. 
I live in Massachusetts and have been with family in XXXX, XXXX from XX/XX/XXXX. I have not been to Michigan and the charges are not mine, clearly an error or fraudulent. 
I called the credit card number and was speaking with XXXX XXXX - - - - questions are concerning and most annoying - - - like how long at my address, how many bedrooms in my house, my driver 's license number, my social security number, what days will I be driving back to Massachusetts - - - - I finally became concerned and suspicious about the nature of quantity of questions, and she said she would not do anything about it. Compounding, I did not have total privacy in answering questions and I was on a cell phone. 
A statement was issued the following day requesting me to make payment of {$860.00} after losing my credit balance of {$18.00}. 
XXXX XXXX at American Express was obnoxiously uncooperative. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Experian a request to investigate some accounts in my credit report and they have not responded. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX is XXXX and XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My credit/debit card number ( I had possession of the card ) was compromised and used at a gas station some hour plus away from my home local. Then, there was at least XXXX attempt for use of my card the next day XXXX XXXX XXXX, 2015 ) XXXX, I am XXXX. The only reason the XXXX XXXX attempt failed is because I had called the bank regarding the " pending '' charge from the gas station that occured or had a date of XXXX XXXX, 2015 ( called immediately ). I received a letter on Sat, XXXX XXXX, that the activity was normal and no error had occured. Well unless Pennsylvania is a normal activity for me, which it is n't, the bank is just refusing to take care of a fraud issue. Granted the charge for gas was {$48.00} but had I not caught it, I could have had a major problem ... not to mention every penny counts in my household! My understanding is that I am not liable for these charges since I physically had possession of my card and the number was stolen. The bank, Regions, is being tacky and refusing to look into the " actual '' authorization activity on the account. The investigators did n't even use this information before sending me a letter of denial. I then called and spoke with a resolution specialist. I still have yet to hear anything but feel this case is being swept aside by Regions. I am being forced to jump through hoops and 2 hour long phone calls to no avail. I am the victim here! Why should it take so much for me to get a resolution?! Their actions, or lack there of, are unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I wish to have your assistance in disputing XXXX charges paid on my statement as " Legal Fees ''. I have since discovered that they ( XXXX XXXX XXXX ) are unlicensed and under FBI investigation for their lack of licensing and unethical conduct. I paid them a total of {$7300.00} on XXXX separate charges XX/XX/2015 {$5900.00} and XX/XX/2015 {$1300.00}. Please see that this charge is reversed they are not who they say they are and are soon to be shut down. I paid them and the services that have not been rendered. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a realtor representing my client and I have been trying since XXXX to initate in equator. They have even told me that I would be able to initiate in equator. We went through a modification in XXXX and the client does not want to do it. He wants to proceed with a short sale. Every time I call no one can ever do anything and you have to talk to management to be able to get you in the system. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank recently closed my bank account due to an reporting by Bank of America to XXXX XXXX XXXX , XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently Bank of America reported me to XXXX TWICE by in 2011 and I did n't find out until recently or even why!! I contacted bank to ask to remove XXXX XXXX report and they said since its from 2011 they ca n't see that far back and that its was written off. They then invited me to open a new account ... Please make them remove the XXXX XXXX XXXX report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive calls from Focus Receivables Management on a daily basis attempting to collect a debt that is owed by another person, one I have never had a relationship with. The automated message asks me to call at XXXX. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: There is a credit inquiry from XXXX XXXX that was processed and affected my credit. The inquiry was for prescreening only and would not impact my score. I never authorized any inquiry that would impact my credit score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened an account with USBANK only to retrieve cashers ' checks to move into my new place from Oregon to XXXX XXXX Nevada. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX 2 times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is XXXX ; my credit should never have been pulled. I feel I was tricked and deceived. I filed a complaint on the wrong bank previously. My mistake it is USBANK. I received a call from a XXXX whom stated it would filed, yet I have received no future response stating my credit has been cleared up with the Credit Bureaus. the only thing that was resolved is the credit line is gone. I need my credit reports to reflect I have all my points back with no Inquiry from USBANK. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been attempting to close a short sale for over 2 years and Roundpoint mortgage continues to stall and delay by asking for documents not needed or have been sent to them. I have had XXXX cash buyers and the last XXXX is about to give up. They send me confusing requests in the mail so I have to call them to find out what they need. I can not reach my account rep by phone and have to wait until call me. When I send them a doc ( by email ) it takes 3 days for them to read it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I settled a debt around XXXX / XXXX. I have recently understood that for some reason, the USAA banking department is not aware of what the settlement department has completed on my account, and they still wrongly consider my past account with them as outstanding etc. It is difficult to get it handled when I call in and I wait on hold and get passed around. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have not been able to access my accounts with merrill lynch for over a year. In XXXX of 2014 I was locked out of my Merrill lynch XXXX account. I have called the bank for over a year bi-weekly. I have gone into the Bank of America branch at least 10 times. 

The bank is refusing to allow me access to my money, my bank statements or allowing me to shut down the accounts and have my money issued to me. 

I have spent countless hours for almost a year and a half trying to get records and access to my funds. They have refused to help me and tell me to go into bank, I go into bank and they tell me to call. I no longer want to do business with this bank and want my money. I also need my bank statements. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We received a letter dated XXXX, 2015 that the buyers of our property were pre-approved for credit with Pacific Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( XXXX ) XXXX. 
The buyers XXXX XXXX XXXX XXXX agreed to purchase our home, and we went into a 60 day escrow, starting XXXX XXXX, 2015. At the end of escrow, we were informed that they did not qualify to purchase. We moved thinking escrow was over in XXXX, which our realtor XXXX XXXX XXXX said they had heard nothing, that the escrow was going as planned. The buyers are now backed out, and are not paying the EMD deposit of {$3500.00} to us. We now have to pay all the bills for XXXX places, which is unfair. XXXX Home Loans should have let us know before escrow ended. We would not have had to move so soon. 
The property address that they were purchasing is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are still trying to sell the home. We would like to file a complaint against XXXX XXXX XXXX & request they pay us the {$3500.00} that was due to us. If not, we will be forced to file a court case. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a police report, filed a complaint on identity theft, placed identity theft with XXXX, XXXX and XXXX that this debt was not mine and that my identity had been misused. XXXX XXXX has continued to place with collection agencies after I personally notified in writing and called. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Number calls me multiple times a day 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I received an alert from Credit report monitoring service that negative information was posted to my credit report by I.C. System. I did not know what it was about so I contacted the collection agency. They said that they sent XXXX letters regarding the debt from Medical Doctor office and have not received any response from me so they have posted debt to my credit report. 

I have not received bills either from that doctor office or from I.C Systems. The bill was from XXXX XXXX when I was admitted to hospital with emergency child delivery and I paid hospital in full. I had no knowledge of bill coming from other doctor office. 
When I called I.C systems they kept saying that I was supplied the bills and have ignored them. I always pay bill on time, never had debt reported and I clearly was not aware of this. 

I followed up directly with Doctor office and they advised to deal with I.C XXXX. They said that letters were sent and returned by Post office as they were missing apartment number. They did have my phone on file but have not contacted me to notify about the bill. I am yet to file a complaint regarding this doctor 's office practices. 

I decided to pay I.C System in full ( {$300.00} ) as they now had my debt and I needed it removed from credit report. I made a payment in full on Monday, XXXX XXXX, XXXX. They said they will send update to credit report the following week. 

On XXXX XXXX I received a letter in the mail from IC Systems dated XXXX XXXX, XXXX that looked like initial letter from this company. It notifies me that they would like to collect a debt from Doctor office and would like to make payment arrangements. They even offered to use tax refund ( if there is one ) to cover this bill. There was no mention that they have already reported this to Credit Bureau. 

I believe the I.C System did not follow procedures. They reported debt to Credit Bureau before sending request for payment to me. I would have paid the debt and I do n't need to have it reported. In fact, I would have paid it to the doctor office if they did n't fail to contact me. Instead the lady from I.C System was rude and kept saying that I was delivered XXXX letters from them and previously from doctor, that was not the case. The 1st letter I received was the above mentioned. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Receivables Performance Managemet calls multiple times a day looking for someone who is not us. We have told them they have the wrong number but they continue to call. Furthermore, most times when they call and we answer, they put us on hold then hang up on us. We then have to call back to talk to a human. When we call back, about 50 % of the time, they hang up and 50 % of the time someone answers. This is extremely unprofessional and frustrating, especially when we have told them that we are not the person they are looking for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing this complain because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed.please resolve this manner as soon as possible. thank you Note : the attached document part of my credit report that i have revived from Experian and it has multiple errors in my personal info that i have disputed but they kept it on my file 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently purchased a house and my mortgage was serviced to XXXX XXXX from the originator, Bay Equity. My first months mortgage was due to XXXX XXXX but I had auto draft still activated at XXXX XXXX. XXXX XXXX withdrew the mortgage payment from my bank account and applied payment. XXXX XXXX is saying that they I should have paid them XX/XX/XXXX mortgage and it is now considered past due. Pretty much, both company 's believed I owed them my XX/XX/XXXX mortgage payment. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Experian is reporting XXXX XXXX XXXX XXXX lates as recent as XX/XX/XXXX. This debt as included in our CH XXXX bankruptcy which was discharged XX/XX/XXXX. I demand that the account gets statused as included in the BK with no lates after the BK date. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Good morning. 
I recently applied for a conventional mortgage with XXXX XXXX XXXX XXXX XXXX XXXX and have been rejected both times for reasons that violate bankruptcy laws. In addition to the bankruptcy laws it is a clear violation against my rights, reporting laws & contempt of court. Due to my physical condition it has impacted me seriously both emotionally and physically as well as financially. 

As a result of my medical condition, I had to file bankruptcy in 2008 which was discharged in XXXX of 2008 in NJ XXXX, XXXX. 

Wells Fargo was listed as a creditor for a {$250000.00} mortgage. 
Wells has reported the loan again on my credit report. I have spent hours in conversation and being jumped around from department to department, letters/emails have been written proving my case to have it removed and still yet Wells Fargo refuses to take the report off my credit. 

I am opening a case against Wells Fargo under Fair Credit Reporting Act as well as pursuing remedy for the financial impact. 

I bring this to your attention because it is another clear violation of the law and their willingness to continue this practice only reinforces the face that the recent judgement against Wells ( XXXX XXXX DOJ ) was not effective 

Company response: Company chooses not to provide a public response
Consumer complaint: i have received several threatening calls from this # telling me im facing fraud charges and i have nothing in my credit report with this information. ive asked for documents proving they are a legit company and i get threatened with a court summons 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was trying to get a lowered rate and payment : My lender will not modify my mortgage and calculated my income incorrectly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've requested all billing and payment statements on all student loan accounts from MRS Associates since I have paid from XX/XX/XXXX to XX/XX/XXXX. I 've corrected my address several times but nothing ever changes. There are XXXX accounts that went to collection from XXXX and I have yet to receive any documentation of payments, interest rates and charges, and payments made. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Within the Summer of XXXX, I went into the US Bank, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and closed both of my checking and savings accounts with US Bank. I received a statement for XXXX XXXX to XXXX XXXX, XXXX, which indicated that I had a {$0.00} balance within my savings account. 

Much later on, I received a statement for the period of XXXX XXXX, XXXX through XXXX XXXX, XXXX, that I was charged a " Monthly Maintenance Fee '' of {$4.00} on XXXX XXXX. 

A letter, which was dated on XXXX XXXX, XXXX was received and indicated, " This letter is to notify you ... your account has been overdrawn for XXXX consecutive business days. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Another letter was received, which was dated on XXXX XXXX, XXXX. The letter stated that " This serves as a final notice regarding the overdrawn balance in your account. Our records indicate that your account has remained delinquent for 20 business days. If your account remains overdrawn, your account will be closed by the Bank and your account will be transferred to U.S. Bank 's Recovery Department where further collection attempts will be made. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Today, which was XXXX XXXX, XXXX, I called US Bank at XXXX. The male individual indicated that he would not be able to assist us, since the account has been closed for more than 3 months. He redirected us to the " Collections '' department. Then we spoke with XXXX who rudely indicated that she could not help us and that we needed to speak with the branch that closed our account, and to speak with a branch manager or banker, but not a teller. 

We immediately called the US Bank branch where we closed the account, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We asked to speak with a branch manager. XXXX stated that the branch manager was not there. We mentioned that we could speak with a banker as well, so XXXX proceeded. XXXX indicated that we needed to contact the " XXXX '' number because she did not have access to our files. We stated that we have already called them, and she said in an extremely rude, condescending tone, " Why did you wait so long to follow up? '' In response, I rudely stated, " Why did you charge me? '' and my significant other stated, " We did n't know. '' A bit later on, I just hung up. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Why continue to ask the company like Experian which owns XXXX for information when they continue to kick you out of the program to ask for a free report and they say they CANT CONFIRM MY IDENTITY WHEN THEY JUST DID ON THEIR OWN WEB PAGE AND THEN TELL ME THAT I ALREADY RECEIVED A REPORT AND I DID NOT!!!!! I AM SICK AND TIRED OF CREDIT AGENCIES THAT ARE INCOMPETENT AND DONT CARE ABOUT MY CREDIT BUT CARE MORE ABOUT GETTING A MONTHLY FEE!!!! WHY AM I WASTING MY TIME. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response