AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Sears corp has not forwarded to me an invoice since XXXX 2015. I spoke to an agent who forwarded my complaint to Sears corp and citi bank regarding the same subject matter and nothing has been accomplished since my complaint was filed 90 days ago I am requesting my reference number for that complain My e-mail account is XXXXXXXXXXXX. you have 7 days to submit this request 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed a XXXX credit card about XXXX to XXXX time with experian and XXXX I have also informed them that this account does not belongs to me. and got no place now XXXX is now reporting that the account is paid as agreed I dusputed once again asking them to investigate the account that I have no knowledge in what so ever also asked them to provide proof of who is making payments on this account but once again they both replied back to me as the account belongs to me. I mean in all fairness experian and XXXX should be able to provide me whatever result that XXXX provided them which to verify this account! I have file a complaint with the office of comptroller of currency on XXXX. I feel if the credit reporting company have said that they have investigated this they should be able to provide what type documents was use to verify this account in this case in which i have asked both reporting agencies at the start of their investigation was to provide me proof of any cashed checks, money order or whatever method of payments thats been used. both keep replying back that the account was verified and belonging to me. I have asked them verbally and in certified us mail to please send me copies and all I get is a verify as belonging to me. I want answer or my next step with to contact an attorney at law ... .. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection agency sent me several notices and I continouesly sent them reply that I had paid the bill in full before we move and I asked them to send me the supporting documents. 

Instead of sending me supporting documents they again send the notices 

Company response: Company chooses not to provide a public response
Consumer complaint: after speaking with a XXXX . XXXX from Citi card, i 'd still like to know if Citi Card was justified when asking me for additional information regarding my personal accounts. Upon Upon When accepting citi card we had agreed to personal information that would let Citi card know they were in deed speaking with me. However, upon trying to activating my credit card at which time, I was asked for information we had n't agreed to as whys of identifying me as their card holder, we had also agreed too other means of identying me. Does Citi card have a legal right to ask me about my checking accounts as well as my credit card account when this information was not give to them as a means of identification me when I open my account Citi Card. 

Company response: Company chooses not to provide a public response
Consumer complaint: we had aa XXXX Mortage on our home with ( XXXX ) bank of XXXX. been calling for a month talking with several people getting the run around from Bank of America to relase the title that they are holding which is CRIMINAL- this happened in XXXX but in XXXX on the financial crisis XXXX had a class action lawsuit against them for giving out bad loans. Bank of America ref # XXXX left massages for XXXX XXXX that is title release supervior XXXX no call back. trying to do a direct sell my home. I need this taken care. please HELP!! Name XXXX XXXX phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need any more information please call. 

Company response: Company chooses not to provide a public response
Consumer complaint: During my duties as a Vice President of XXXX, XXXX, a construction company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to Mercedes Benz Financial to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to Mercedes Benz Financial to remove any negative information on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car 

Company response: Company chooses not to provide a public response
Consumer complaint: I owed a company for a loan I applied for XX/XX/XXXX. XX/XX/XXXX, I began making the payments with a collection company. I was to make 8 payments, then the loan would be paid in full. I made the last payment XX/XX/XXXX and was promised a paid in full letter. I paid a total of {$1400.00}. XX/XX/XXXX, another collection agency contacted a couple of family members stating that I was being charged with fraud. I immediately called and found out that it was a XXXX collection agency trying to collect for the same company. They proceeded to tell me that there was a APB out on my car and the police were in route to come and arrest me. She proceeded telling me she can stop the police if I come up with the balance before XXXX. I tried to explain to her that I had already paid that debt off. But she said that I could explain that to the judge. My kids and I was terrified. We thought I was going to jail. I borrowed my mother 's credit card and paid the balance ... {$1600.00}. They sent me a paid in full letter. By that time, I received a paid in full letter from the first collection company. When I really think back, it never really clicked that this could be a scam. I 'm not sure what happened. These XXXX collection agencies were collecting for the same company. I 'm currently getting my credit repaired. Letters of validation were sent out on my behalf to this particular company. I received the original contract and a letter stating that the debt was sold XX/XX/XXXX, to a totally different collection agency. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member 

Company response: Company chooses not to provide a public response
Consumer complaint: During my duties as a XXXX of XXXX, XXXX, a construction company on XXXX XXXX, one of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to get all XXXX free annual credit reports online but was informed that the request could not be processed online. So, on XXXX/XXXX/15, I mailed my request using the completed paper form along with copies of the requested documentation to the XXXX Request Service in XXXX. I requested a report from all XXXX companies. I quickly received my free report in the mail from XXXX. But I never received my free reports nor any other communications from Experian and XXXX. I want those latter XXXX companies to send my free reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of American delayed approval of my shortsale request for 18 months in violation of numerous regulations. I had a patient buyer who worked with me to constantly resubmit contract extensions as we awaited approval. While it was pending the last step, I called Bank of America on a daily basis for almost 1 month and never got a returned call -- and then just learned that they transferred the mortgage to XXXX and closed it this month without providing adequate notice and in violation of regulations. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian took over 30 days to respond to my dispute of inaccurate items on my credit report. 
See attached documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: SunTrust Custom Choice advertises a graduation reward in the form of a 1 % reduction in principal. In their own legal disclaimer, the terms I expect SunTrust to adhere to are a : " 1 % principal reduction based on the net disbursed loan amount. " A net disbursement total of {$46000.00} was provided for this degree, so under their own disclaimer they are required to credit {$460.00} toward my remaining loans as I have satisfied all obligations to be eligible for this reward. 

Their loan servicer, XXXX, is claiming that because I paid XXXX of the XXXX individual loans off already, that I am only eligible for a principal reduction on the XXXX loans that still have balances on them. Nowhere is this stipulation in any contracts or disclaimers I signed. The amount they are trying to short me totals {$280.00}. They are essentially punishing me for being a responsible borrower. I would like CFPB to enforce SunTrust 's contractual obligation and ensure that I receive 100 % of what I am owed - {$460.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was fitted for a XXXX brace with a prescription. They called my insurance company and agreed the insurance company would pay 50 % because they were out of network. My insurance company ask them several times For documents which they did not provide. Because of the time gone by the insurance company closed the case. The company has called me many times. I offer to pay them my half and they refused my payment method. I believe they gave me a more expensive brace than what was prescribed. Once again I did offer to pay my part 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Working with Senior Mortgage Processor XXXX XXXX with PenFed FCU has been a nightmare to get a mortgage on a home in Texas. She did not communicate well at all, and actually was unresponsive to e-mails for more than 10 days, a complete failure in such sensitive processes as a mortgage application and executing a closing schedule. For more than a third of the window in which I should have been able to communicate my questions and concerns, PenFed 's representative was unavailable. 

The scheduled closing date for the home/loan is Monday, XXXX XXXX. Within just a few days of closing, XXXX began to communicate about problems she was having and additional documents that were required. All of the documents requested in the beginning of the loan application process were provided within 3 days of the request, and now ( Friday, XXXX XXXX, more than 20 days later ) there may be documents required at XXXX on a Friday for my closing the next Monday. This unfortunate use of XXXX 's time may result in a delayed closing on my home. 

From the questions being posed to the title company by XXXX, it does not appear she has a clear understanding of Texas real estate sales, to include the way property taxes are done in Texas. I would caution anyone who gets a mortgage application assigned to XXXX to quickly speak with a supervisor to request your processor be changed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Yes, the credit dept say the company ask them to keep the fraud on my report in have me company them i have contact them a number of times in this has n't not been remove from my credit file which makes this more outrageous is i have been on XXXX since i was born in XXXX and XXXX both pay all my health care bills on by somebody use my name in a fraud this bill was n't pay for but the collection agent trying force me to pay something that was n't done by me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Regions Bank has reported we paid are Home Equity line late XXXX times in the last XXXX months. They said they only show that they reported XXXX times that we were late and they agreed to remove XXXX of them. It has not been removed, we have had nothing but problems with them and have moved are personal banking from them some time ago. 

We paid off the line due to the fact we had a house fire at the home and are looking to rebuild. Of course Regions is causing another problem. I would just like the problem brought to a close in a timely manner and i know without the help from the CFPB it will not be brought to a close. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently requested a copy of my credit report. I noticed false late payments on my account from Wells Fargo. XXXX in XXXX 2015 for a 60 day late payment and afew other 30 day late payments. And as much as Wells Fargo likes to call and send letters mysleff nor my cosigner never received notice of a delinquent account. I called to have these late payments resolved in the beginning of XXXX 2015. The man I spoke with admitted the 60 day late payment was put on my account by mistake. He said a letter would be sent out to notify it had been fixed. I never received a letter and when I called to check back they said my dispute was denied. I have my current bank records pulled ready to support my on time payments as well as the words of the customer service associate I spoke with confirming Wells Fargo indeed made a mistake on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX " free night '' benefit. This is wrong and dishonest. 

Company response: Company chooses not to provide a public response
Consumer complaint: Tradeline was disputed multiple times and each time came back as verified. Acct ... XXXX. I would like to know the name of the person Experian verified with each time, the dates, the address, and the phone number used. The number on the credit report is not even a working number. I have gone to the courthouse and this judgement is not a recorded judgement. The people at the courthouse have also informed me that they have never had a credit bureau call them and verify anything..on anyone. They also said that they do n't report to the bureaus so it 's not them reporting and verifying. 

Company response: Company chooses not to provide a public response
Consumer complaint: The chain of 'Assignment ' is in question for my mortgage ; To begin, XXXX XXXX XXXX the original lender ; then the loan was immediately sold to XXXX XXXX XXXX XXXX ( there is no record of an assignment of the deed that I have seen ). After XXXX XXXX XXXX XXXX 's demise Bank of America acquired loan servicing. XXXX was the tracking vehicle ( based on the 'Original ' Security Deed ) ; then, on XXXX XXXX, XXXX, Bank of America requested that XXXX XXXX prepare an 'Assignment of Security Deed ' from defunct XXXX XXXX XXXX XXXX XXXX Bank of America ( Bank of America had already been servicing the loan for 2 years, by this time ). Under the guise of XXXX, XXXX " Assistant Secretaries '' of XXXX signed the document and then the " assignment '' was sent to the county clerk and recorded on XXXX XXXX, XXXX. 

Furthermore, Bank of America sold the servicing rights for my mortgage loan to XXXX XXXX XXXX, effective XXXX XXXX, XXXX. On XXXX XXXX, XXXX an " Assignment of Security Deed '' was prepared by Bank of America, to be recorded and sent back to XXXX XXXX. XXXX stated in a XXXX XXXX, XXXX letter to me that the loan was still being tracked within XXXX and all assignments would occur there. However, the XXXX ( XXXX ) for HUD stated : " HUD does not work directly with the XXXX system, however mortgagees are not actively using the XXXX system anymore to sign documents and if there are any corrective actions being sought, the mortgagee must correct the issue outside of XXXX. XXXX has to align the title issue with the county clerk. '' Interestingly, XXXX did not send me a copy of the recorded assignment, based on my XXXX XXXX, XXXX QWR ; they only provided the unrecorded version of the 'Assignment '. Also, all the names on the document Bank of America prepared are stamped and the signatures a virtually illegible ( via XXXX some of the names have been noted as Robo Signers ). Upon further examination, the recorded document ( stamped XXXX XXXX, XXXX ) was changed from being sent to XXXX to being sent to a foreclosure attorney ( who requested this address change ). 

When viewing XXXX, Bank of America still shows up as the Servicer and there is no history of assignments. while XXXX was being used. The chain of title may be clouded, because there is no record showing that XXXX XXXX assigned, sold, transferred the deed to XXXX XXXX XXXX and Bank of America 's deed transfer to XXXX looks suspicious, because Bank of America was not sure they were going to Service Release my loan, until they confirmed to me on XXXX XXXX, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Experian about XXXX XXXX incorrect balance XX/XX/XXXX. They sent me correspondence on XXXX/XXXX/2015 and said that XXXX had been updated the balance reflected a XXXX balance, the balance is XXXX and XXXX XXXX balances remain the same. If they investigated why would they send me back incorrect balances? XXXX XXXX balances are XXXX XXXX, XXXX XXXX, XXXX. Please have them investigate these balances and report correctly. The information they sent me is completely wrong. if they did the investigation they would know that these are all wrong. They should be fined for not reporting correct info on a consumer report. 

Company response: Company chooses not to provide a public response
Consumer complaint: The reason for my complaint is I was in the process of getting a loan modification. With Bank of America. In the process I was denied my loan modification the original rep i spoke with felt there was something wrong and advised me to speak to the appeal dept. which I did once the appeal dept reviewed my file I was approved I signed all documents sent back to BOA spoke with a new case manager advised me that BOA is withdrawing the approval because I had a partial claim in 2014. But I feel that i should not have to pay for BOA mistake and they should keep there agreement with my new modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: I use my Best Buy credit card to make purchases. Depending on the total amount of the purchase I am offered the option to defer interest payments for XXXX 'months. The balance is then tracked under the promotional balances. When I make a payment the payment is then divided amd credited to the promotional balances expiring within two months. In addition I sometime go into the best store and use my credit card to make purchases that do not qualify for defer interest payments. According to best buy this balance is called the revolving balance. Best Buy does not allow for payments to be allotted to the revolving balance and therefore forcing the customer to pay interest. Even though the total payments made after XXXX days of the last statement closing would be sufficient enough to cover the revolving balance and stop any interest being charged. Especially when the customer promotional balances do n't expire in the month that revolving balance interest be charged. On XXXX XXXX I made XXXX purchases in the amount of {$290.00}, and {$84.00}. I chose not to put these purchases under the deferred interest program because I knew that within XXXX days I would be paying the balance off in full for the purchases. I then made XXXX payments {$100.00}, {$120.00}, and {$160.00}. The total of these payments would have covered the entire revolving balance made on XXXX XXXX. Instead Best took my payments and applied them to promotional balances that are expiring XXXX/XXXX/15. Now I will be charged interest for my XXXX XXXX purchases when I have made payments to cover it and avoid interest. I called best buy about this and XXXX they stated that they could apply my payments to revolving but then he placed me on hold and came back to the phone and said that his supervisor said that it ca n't be done. This is unfair, if you are tracking the promotional and revolving payments, then you should also track and allow a customer to specify how payments are applied. Bestbuy is trying to force collecting interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars in 2011 and one of XXXX and XXXX dollar in 2010 experian is reporting this and XXXX and I mailed them statements if proof of payment 

Company response: Company chooses not to provide a public response
Consumer complaint: i had looked at my credit report and seen that ASC was reporting that i missed XXXX payments in which this is incorrect i am missing payments but we are in court right now battling forcloser. And even then i am no where near missing XXXX payments because then i would owe this company XXXX XXXX dollars less. this is in correct 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 1998 Countrywide /Bank of America issued a mortgage loan under my social security information without XXXX or XXXX verifying as they claim they do .In XXXX 1998 i was only XXXX old I was n't of age to obtain a mortgage loan yet pay for XXXX. Do to this negligence not only have they stolen my identity, my social, they have committed fraud, they have sent to my credit report that i am deceased. I cant apply for my dream home, apply for a car loan or anything for that matter since I look like the XXXX committing fraud over their " XXXX '' game as Countrywide called it to get a mortgage out for their numbers. They have allowed fraud just to get what they need and not think of the consequences that will occur. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion still reporting inaccurate information which is hurting my ability to obtain credit. 

See attached documents. 

Company response: Company chooses not to provide a public response