AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have serious questions of the ethical behaviour of Experian in relation to what credit score they report they report on an individual dependant upon whether the individual requesting the credit report is paying for the " premium XXXX agency report '' or whether they choose to use a " free service provided through their bank or other financial institution [ XXXX in this case ] '' where they entice you to enroll in the other XXXX agency " premium '' credit report and " protection ''. I am going to provide XXXX separate Experian Credit reports that were pulled within minutes of each other, both purporting to show my credit score, however instead of matching as XXXX would expect them to, the paid Experian XXXX Agency Report that was signed up for through XXXX XXXX XXXX, shows my score to be XXXX yet when the free credit score monitoring service provided by Experian for XXXX is pulled within minutes and the credit report shows no material differences it reports that my credit score is XXXX ; a full XXXX points lower than when one pays for the report. Something fishy is going on at Experian and I feel like I have been duped as I have no idea what my true credit score is in my credit file and I have been paying monthly for a report that I now consider less than worthless. This fraud should not be able to be perpetrated on the public just trying to correct errors on their credit files. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP! 

Company response: Company chooses not to provide a public response
Consumer complaint: Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. One of each the following inquiry must be removed pronto from my credit reports as duplicates inquiries were NOT authorized:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 

Company response: Company chooses not to provide a public response
Consumer complaint: A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check for {$500.00} into my account on a Friday afternoon into my US Bank checking account. US Bank made {$200.00} of that deposit available to me immediately. I purchased something from XXXX XXXX for {$9.00}. Then later in the day US Bank decided they did not want to give me {$200.00} advance on deposit and took it back, in so doing my {$9.00} purchase caused my account to be overdrawn by {$4.00}. Seeing this I attempted to deposit cash into the ATM, the ATM would not let me. I e-mailed US Bank since it was the weekend and bank branch was closed. THey said to make a deposit I need to go into a branch to remove a hold that was put on card. Well I work for a living like most Americans and ca n't go in when banks are opened. During the week, so I deposited a check via their mobile deposit, to which I was charged {$0.00} to do so. Which I am fine with. 
On the XXXX, even though I do n't have overdraft protection and an e-mail ( from US Bank ) states I would n't be charged any fees for overdrawing my account using my debit card, I was charged a fee ( {$36.00} ). I purchased something when my account had a positive balance, enough to cover XXXX purchases of the size I made, then it was taken back to draw my account over. 
I have made multiple requests to remove the fee of {$36.00} and each rep declined. I put a stop payment on the deposit I made to US Bank because of the way they were acting and wanting to charge me fees. To which US Bank charged a {$19.00} returned item fee. That I had no problem paying. I am simply asking for the {$36.00} fee returned. 
Additional Note : I attempted to get this resolved, but after XXXX emails with US Bank, they refused to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/2015 Payment XXXXBank of America, N.A. XXXX TX XXXX $ XXXX is a copy of the transaction, I paid {$280.00} to bank of America on XXXX XXXX, 2015 after they billed me XXXX, XXXX, XXXX, XXXX for total {$280.00} which, I tried to explain each time that I called to let them know, this account had been settled in XXXX br discharged XXXX 2015. They reported each of these months on my credit report stating that I was not paying. I only paid out of XXXX from harrassement. 
I called bank of am and spoke to several reps who did not try to understand the XXXX heloc was included in the bank ruptcy. They began billing like this was a new account. 
Please refund {$280.00}. 
hic 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has been charging me {$29.00} for the past 8 months for a service I neither requested nor have been provided. The dates of the charges are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Because of these spurious charges, I have also incurred {$170.00} in overdraft fees at my bank. When contacted about this, Experian merely agreed to close this " account ''. I believe this " account '' is now closed, but I have not been sent any of the reports they charged me for, nor do I want these reports. I have the bank statements showing the charges, but am uncomfortable loading them here. Experian 's method of doing business is underhanded and wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015 we received from Wells Fargo Bank an advertisement to refinance our home loan for 20 years at a fixed rate of 3.25 %. Being that refinancing would save us $ XXXX, our monthly payments would decrease, and we had 20 years left on our original mortgage, It would only make since to apply for the refinancing. 
We applied for the loan, paid the required fees and were told that the loan was approved. Wells Fargo Bank has now reschedule the closing of the loan XXXX times stating each time that they need more information from us, information that they have previously been sent. XXXX times I have been called back to my home from out of town to close only to be told the closing has been postponed. It appears that the bank is stalling with the offer that was made in hopes that we would decide not to refinance so that we would lose all money we have paid so far and also that since we applied for the 3.25 % loan it has now increased to XXXX and higher. During my last phone conversation I was ask if I wanted to stop the application process, but I would lose all the fees I had paid. Seems that something is not right here with Wells Fargo Bank. This process started in XXXX 2015 and it is now XXXX 2015. Looks to be a bait and switch or just a way for Wells Fargo to attempt to take ones money by hoping they will eventually give up on the loan application and forfeit all that has been invested in the application! I wonder how many others have been drawn into this scam? 

Company response: Company chooses not to provide a public response
Consumer complaint: During the month of XXXX, I mailed a payment postmarked XXXX XXXX. The bill was due on XXXX XXXX. This is an automatic payment. I reviewed my account online, and I am being billed for a late fee. Looking into the check that was sent with my bank, my bank shows that it was cashed in time to meet the due date. I contacted Goodyear, and they are refusing to adjust their record to remove the late fee, or change the status of their credit reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wells fargo bank robed me they posted a transaction was posted to my account on XXXX/XXXX/2015 and the posting date was XXXX/XXXX/2015 and i was charged {$35.00} for overdraft on XXXX/XXXX/2015 I requested the bank to take a look at the transaction and i check my account till the last minute of XXXX/XXXX/15 i have a prof my account went negative today but before XXXX XXXX i have deposited the amount and i 'm still getting charge the overdraft fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re : XXXX XXXX XXXX, Account # XXXXI was a victim of a personal check fraud. When I was finally able to resolve the issue with the collection agency and submit the deletion letter to Experian via its online system, within an hour I have received an email stating that they have verified the account and it belongs to me. I have a deletion letter from the collection agency stating that this account has been closed due to fraud. I am just asking Experian to review the information properly and remove the account from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got scammed in XX/XX/XXXX. The scammer had me made payments to her Bank of America account on XXXX different dates : XXXX/XXXX/2015 for {$6800.00}, XXXX/XXXX/2015 for {$19000.00} and XXXX/XXXX/2015 for {$16000.00}. The account 's holder name is XXXX XXXX. I filed a fraud claim with XXXX XXXX on XXXX/XXXX/2015 but no replies from the fraud department. I also had filed police report, FBI report ( IC3 ) and FTC report. Since I did n't get the diplomatic package in the mail as promised, I should get my money back. The whole thing was a fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: A tenant filed a small claim against me. Because I had all my personal property packed, I did not and could not win my case. I paid my fine at the time of the decision. I am XXXX and when I learned I had an outstanding bill for court costs I paid it. The clerk said the judge would have told me when I was in court. Had the judge told me in a manner I could understand, I would have paid the entire thing at the court house, since I now live nearly XXXX hours away. So the tenant filed something against me, when I refused to go on Judge XXXX, from whom I receive mail and a call. The tenant said we could go and they could win again but, I would get a free trip to California. Anyway, I have paid this entire thing in full and would like it closed on my account please. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: We refinanced our home mortgage about three years ago ; because we were cash-poor at the time, we acquired an FHA mortgage that was later sold to Wells-Fargo. At the time, a MIP payment of about {$200.00} a month was attached. I got that -- we did not have the money needed so we were considered high-risk. Three years later, our balance is around {$190000.00} but our home value is over {$300000.00}. Am I on the hook for MIP still, or is there some process I can follow to have the MIP lifted from the loan so that I could use that portion for a home equity loan payment? 
I just want to make better use of my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Gulf Coast is inaccurately and unjustly reporting a debt of XXXX dollars on my credit files. I have never received validation of this debt, or anything proving ownership or I am responsible for payment of this debt. Furthermore, based on the dates reporting on my credit files, if, this debt is mine it would have been re-aged. Re-aging is a violation of my consumer rights and FCRA. This is a common practice by collection agencies to maximize collection time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: All XXXX credit bureas are reporting XXXX bankruptcies on my credit report. I never went through with these bankruptcies. They were both dismissed and I do not think it is fair that they are reported on my credit report. I attempted disputing the information several times but the bureas say, nothing has changed from my earlier dispute. I really would like these XXXX items removed from my credit report because they are items that never commenced to any legal proceedings or collection of debt. Please help me have them removed. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have a DR using my name also a address in XXXX. I do n't know anything about these??? 

Company response: Company chooses not to provide a public response
Consumer complaint: Professional Finance Company is attempting to collect debts for XXXX and XXXX. I have never received validation of this debt, nor any proof that this debt is actually owed and I am responsible. Furthermore, for it even be possible for this debt to be mine, PFC would have engaged in re-aging. Re-aging is a violation of my consumer rights and the FCRA. Collection companies participate in this act to maximize their collection time. Failure to validate this debt is also a violation of my consumer rights. PFC can be held liable with fines for such activities. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried to access my Experian report online and they have blocked me. I recently declared bankruptcy and need to make sure that all my items are reporting correctly and I can not. They do not let me access it at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently was in the process of refinancing my Wells Fargo mortgage with another lender. Although, Wells Fargo advised me to continue to make my payments even though the home mortgage would be paid in full, on XXXX XXXX a Wells Fargo collections agent told me that since my Loan was due to be paid in full she would notate my account so that my XXXX and XXXX payments would not be reported as a XXXX day late. The Collections agent also stated that if my credit was affected by a missed payment that she would have it removed. At the time I needed the money from the XXXX payment to make an unexpected repair on my home in order to close the mortgage refinance. Wells Fargo ended up putting a XXXX day late notice on my credit report which dropped my score XXXX points. They also refused to remove it from my credit report claiming that it is not their fault their collection agent told me she would ensure my credit would not be affected on XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : XXXX XXXX COLLECTION BUREAU, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CACH , LLC. YES ALL XXXX FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME XXXX TO XXXX TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES XXXX AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF THEM THIS HAS DAMAGE MY CREDIT. THANK YOU. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did n't autorize XXXX, PR XXXX ( XXXX ) XXXXTo do a hard inquiry of my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX of 2015 I went into a DriveTime dealership. They advertise being able to assist with low credit situations in which they GUARANTEE vehicle approval based on income. I feel that ever since I set foot into the dealership I was steered the wrong way due to a desperate situation. I am a new father with a XXXX week old newborn. We needed a safe vehicle prior to delivery of our newborn. They preyed on me in this situation and gave me like a 28 % interest rate on a XXXX. Prior to purchase XXXX stated vehicle was valued at about {$10000.00} which drivetime purchased at auction. Vehicle had previous accidents in which the AUTOCHECK report was designed to not tell you all about the accidents. LONG STORY SHORT, I was sold a vehicle at around 22 % interest but only after providing {$2200.00} cash down. The payments are costing me a WHOPPING {$430.00} PER MONTH ON A XXXX!!!! DO NOT GO WITH THIS COMPANY! IF DRIVETIME WOULD LIKE TO ACTUALLY ASSIST ME IN RESOLVING THIS MATTER THAN I WILL GLADLY MARK CASE RESOLVED. OTHERWISE STAY AWAY EVERYONE! THEY WILL TAKE ADVANTAGE OF YOU AND YOUR SITUATION. THEY 'RE QUICK TO REPOSSESS TOO AND THEY WILL CALL YOU A XXXX TIMES THE DAY AFTER A PAYMENT DUE DATE. THEY HAVE ALSO VIOLATED DO NOT CALL LISTS MULTIPLE TIMES IN WHICH I COULD SUE FOR. 

Company response: Company chooses not to provide a public response
Consumer complaint: Never lived at the address XXXX XXXX XXXX XXXX NJ XXXX. Never had the phone number XXXX. The correct phone number is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted an application to lease an apartment. The credit check Rental Report lists in the column with information from EXPERIAN, the address of my ex-husband XXXX an address where I have NEVER lived! EXPERIAN does n't have any way for me to dispute to REMOVE this incorrect information on their website or by their automated phone system. PLEASE GET THIS INCORRECT INFORMATION REMOVED FROM MY FILE AND THE RENTAL REPORT updated. Thank-you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo ( WF ) /Americas Servicing Company ( Loan # XXXX ) - Delay tactics in attempting to get to a loan modification ; The WF specialist assigned to my file does not ever pick up phone or respond to voicemails ; Many other WF specialists assigned and reassigned in the prior years, I was always asked for new information once a new specialist is assigned ( another delay ). Only XXXX opportunity for a loan modification granted by WF two years ago and rejected for reasons set out by the " investor '' WF would not communicate the reasons for rejection. I have been employed and earning more than enough to pay off the loan via a modification. Faxes I sent are not on file, notes from my conversations with representatives and with the Office of the President are not on file, and they are asking for documents I already sent on numerous occasions ( i.e. hardship letter ) I 'm skeptical about WF record retention systems for email communication and faxes they received from me and others. When it was time to resolve WF 's request for a subordination from the XXXX lender on the loan ( yet another delay tactic ), WF 's title department would not communicate with a second lien holder ( XXXX XXXX ) because they just will not do that. I waited for months! and even after I submitted a written authorization to do so on my behalf, WF did nothing to assist with my attempts to modify the loan. I 'm exhausted from years of frustration in struggling to just get an opportunity to modify my mortgage and an opportunity to pay off my loan. WF representatives say they are there to " help me '' but they are just a facade and keep delaying the process and clearly their management hopes time runs out. WF asks for more " updated '' information every month. They are clearly interested in keeping my loan in foreclosure status and they are hoping that I just go away and stop my communication with them so they can foreclose on the home as allowed under the rules ( unacceptable ). I missed my mortgage payments 5 years ago and I 'm still trying to get an opportunity to get a modification. I 'm exhausted and emotionally drained from this struggle to get an opportunity to pay off my loan and keep my home. I have nowhere else to turn for help, hopefully CFPB can help. 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I applied to my mortgage holder Citimortgage to refinance my 15 year mortgage loan to take advantage of a lower interest rate. I was approved for the loan, however, at the time of closing in XX/XX/XXXX I was between jobs and was not allowed to close on the loan although I had bought my home back in XX/XX/XXXX and had never had any problems with my monthly payments, more importantly I continued to make my payments as required even during this time between jobs. Additionally, the required appraisal which caused me over {$350.00} showed that my home value to loan meant that a PMI was not required, Citi has continued to bill me for PMI cost and have advise that it will automatically end in XX/XX/XXXX. My potential mortgage savings were about {$500.00} per month and savings related to removal of the PMI would have been {$170.00}. As for the record, I have been an Accountant for over 26 years and have not been unemployed/underemployed for no longer than 3 months over the past 19 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is in regard to Bank of America.. Per previous complaint, Bank of America did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or about XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my checking account but also my savings account. Such as a maintenance fee. I complained to their representative and on or about XXXX XXXX, 2015, I informed her I wanted both account closed. I was n't paying there fees and if they wanted to they could sue me. 
This next issue is what set me off. She removed the fees, closed the accounts and blocked the accounts so I could no longer have access to them. 
On both the savings and checking accounts I had my own monies left on them. Approximately $ XXXX {$15.00} which they owe me. HELP 

Company response: Company chooses not to provide a public response