AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I paid my co-pay and XXXX XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX Hospital bills. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear Sir, With full responsibility i would like to complaint about wrong report on my credit. This is my XXXX year in united states. when i was purchasing car i XXXX to know that i was bad credit score, and when i requested for report, i was rejected to receive the report. I would humbly request credit union to provide me with my full report so that i could analyze what is wrong in the report. 
sincerely XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Me and my wife percussed a car back in XXXX 2013 and thought we were getting a great deal. Come to find out we got screwed on this deal. They told me that they report to credit and they do n't. After about 1 year and 1/2 we went and percussed another vehicle and all the payments I was making to drive time was not showing up. They went even on my credit report. Also, the entrust rate is killing us, it was like over double what I was paying on my other vehicle. If I could have had afford it we would wound up paying over XXXX on a car that was only worth about XXXX. I do n't know how they can get away with that but they are taken advantage of people that have been in hard times. I have looked into this company and come to find out there have been lawsuit after lawsuit against them and most of the lawsuits are for harassment. 
I had to turn in the car because I could not afford it anymore and now I am getting harassing phone calls at my job and my family is getting them also. I would like this to stop and I would like them to leave me and my family alone. They got there car back and the have already sold the car. I can wind up losing my job if they keep calling had harassing me at work. I have a family to support, and I ca n't afford to lose my job because of them. 
I would like someone to stop this and put this company out of business. they have no right to treat good people like this. I have been keeping my cool about it but this is the last straw. I am going to keep looking into this company and find out what legal action I have against them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting foreclosure " started on '' our my husband and my XXXX XXXX mortgage which is n't true. I demand they remove this status because it is causing us an issue with getting a loan. We have tried disputing with Experian through a paper dispute process as well and we have n't been able to get this corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft and someone stole my identity, and used my personal information to apply for and open up the following unauthorized and fraudulent accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I represent XXXX and XXXX XXXX who own a home located at XXXX & XXXX XXXX XXXX, XXXX, WA. On XXXX/XXXX/XXXX Northwest Trustee Service [ NWTS ] issued a Notice of Trustee 's Sale set for XXXX/XXXX/XXXX. Under state law, the trustee is a duty to act impartially and in good faith to the borrower, beneficiary and grantor. I 've been in communication with NWTS attorney XXXX XXXX regarding whether or not XXXX Bank has the actual note. XXXX XXXX wrote that he had been in communication with XXXX 's attorney on the issue but refuses to identify that attorney. I believe NWTS is acting as both trustee and XXXX 's attorney. I believe that is fraudulent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX will not allow me to get my reports. Experian says I need to mail in the request and when I hit next the site times out and starts the whole process all over again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The collection agency gave away my personal information during verification. They gave my legal name and address to someone calling to make a payment. Then they refused to take the payment from that person. When they asked for a supervisor, they then hung up the phone. 

The call was on XXXX XXXX, at XXXX EST. The caller spoke to XXXX, then XXXX. The agents refused to give a reference number or interaction number for the call. 

Company response: Company chooses not to provide a public response
Consumer complaint: the XXXX sold me a car later they do n't want to financial more for this reason they took a car and report y my credit report involuntary repossession but contradictory they report no missed payment in my credit report, but a few day I call this company so they talk it is not their fault. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo refuses to accept responsibility for 1. Not accepting verification for utility service at the home. I provided a utility bill with the service address noted. The utility bill was mailed to my XXXX. The XXXX has been my mailing address for years as is documented in my account records with Wells Fargo. If the funder/investor guidelines require otherwise. It was Wells Fargo 's responsibility to intervene given that the facts relating to the matter are well documented in my file for years. An extension should have been granted. 2 ) On the day of the sale I provided documentation to reinstate the loan. This documentation was used to prevent or postpone the sale 30 days prior while attempts to modify the loan were being made. Wells Fargo withheld information to the investor relative to my XXXX history. They are liable. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2016 CitiMortgage Consumer Financial Protection Bureau I have been working with CitiMortgage for the past seven months trying to remove PMI insurance ( {$120.00} per month ) from our home mortgage loan. I have followed all required instructions, including paying for the appraisal, using a company of their choice. The appraisal has multiple errors, and did not use fair comparables. I submitted in my Appraisal Appeal XXXX sold comparables and XXXX For Sale comparables that more fairly matched the exterior and interior features of our custom built home ; any of which would meet the LTV criteria in order to drop the PMI insurance. 
I have followed up with CitiMortgage over a dozen times to no avail. During my last conversation this week, I was told they do n't have record of my appeal! Exhausted and frustrated with their run-around, I am reaching out to a federal agency for assistance. 
Below are details of conversations : XX/XX/XXXX Requested specific details of how to request PMI to be cancelled from loan XX/XX/XXXX Submitted my request to cancel PMI XX/XX/XXXX Paid appraisal company thru XXXX {$380.00} XX/XX/XXXX Received appraisal details XX/XX/XXXX Contacted appraisal company directly. Per their representative, my dispute would need to be filed directly with CitiMortgage XX/XX/XXXX Received denial letter from CitiMortgage XX/XX/XXXX Contacted CitiMortgage requesting disputing rights appeal foam XX/XX/XXXX Called CitiMortgage ; never received dispute form. Requested email XX/XX/XXXX Per instructions, faxed completed Appraisal Appeal form ( XXXX pages ) XX/XX/XXXX Called CitiMortgage to confirm receipt of fax XX/XX/XXXX Called CitiMortgage for update on appeal request. Should receive letter in mail. 
XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call me back XX/XX/XXXX XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call back in 24-48 hour XX/XX/XXXX Open work order # XXXX XX/XX/XXXX Received standard letter about not qualifying for cancellation of PMI. Did not address Appraisal Appeal XX/XX/XXXX Call CitiMortgage to advise I will be filing a dispute with CFPB. Agent advised he could not find where I previously faxed my appeal. I confirmed the fax number that was used and stated on instruction letter. Agent asked that I re-fax to a new fax number. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Over a period of a year I attempted to modify my mortgage loan by submitting documentation to Wells Fargo. On the pay before the Foreclosure Sale, Wells Fargo denied the modification request because the utility bill for the home had been mailed to the P.O Office Box. The utility service address on the utility bill is the address for my home. The P.O. Box is the address on my Wells Fargo account. For verification purposes, Wells Fargo has always verified my I. I. by requesting the information on my mailing. address 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Reference prior Consumer Financial Protection Bureau complaint # XXXX, Ditech Financial LLC Account Number : XXXX. 

Complaint response from DiTech, dated XXXX XXXX 2016 ( attached ), indicated specific actions that would be immediately taken by DiTech to correct their error. To date, and based on a conversation with DiTech this morning, none of the actions have been completed. This has resulted in my not receiving a correct XXXX for mortgage interest payments, affecting my ability to file my tax return both accurately and timely. 

This has been a horrific customer service experience - the worst I 've ever encountered - customer service reps state that I can only speak with them and not be connected with someone in a higher position that just might be helpful. This is a horrible company under any name ( i.e., Green Tree ). 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In XXXX of 2015 my wife and i decided to purchase an investment property in Florida. We bank with Wells Fargo for our personal banking so applied for a loan ( looking for prequalification ) to purchase a condo at price around {$250.00} XXXX XXXX XXXX we found a property made and offer and had it accepted partially because we were prequal 'd for the mortgage. We then went to to Wells to get the mortgage processed. We submitted additional information requested and after 30 days were told Wells would not do the loan even though we offered to pay a 25 % down payment Prequal was based upon 20 % ). We now find ourselves having to scurry to find alternative financing or lose our earnest money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not received any correspondence from either XXXX or TransUnion during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our mortgage was acquired by Bank of America when they purchased Countrywide. 
We had a modification in 2012 due to the DOJ National Mortgage Settlement. Part of the modification agreement stated that any escrow amount, or interest that was past due before the effective modification date of XXXX would be added to the principal balance. There were accounting errors that left a negative balance in our escrow account prompting a significant increase in our monthly payment. I reported the error to the law firm that represented BofA, to the customer service rep ( not there anymore ), the Post Modification Dept., Escrow Dept. etc. etc. with XXXX remedy. I was told the only way to clear up the concerns would be to apply for another modification and resubmit all the documents again. Feeling like I did not have another option and the Bank was now not applying my monthly payments b/ they were not " full '' payments, I sent in the modification packet. I received the same type of run around with missing documents, new customer service rep 's, etc. and was ultimately turned down. I appealed and the appeal was turned down. Extremely frustrated, I stopped making payments and was attempting, yet again to reach someone that could make a decision. My loan was then transferred/ sold to XXXX in XXXX. XXXX was missing several documents and was not able to tell me the terms of my loan etc. I have to date sent XXXX 3 Qualified Written Requests per RESPA with one late vague response that did not answer my concerns. I have been in contact with XXXX repeatedly. I have stated that I am still waiting for the documents I have requested showing that they have legitimate rights to collect my payments. I also would like documentation of the transfer agreement and proof that the trust XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX is the true owner/holder of our original note. 
I find the fact of BofA pooling and selling off XXXX of dollars of distressed loans to be unsettling. I have reached out to BofA to obtain more information without resolve. XXXX XXXX has now filed foreclosure complaint. This seems to be a way for BofA to avoid addressing the issues with the toxic Countrywide loans. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am filing this complaint because Transunion has ignored my request to provide me with documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I called XXXX XXXX XXXX XXXX, XXXX XXXX, Insurance representative, XXXX for an insurance quote. He said lets see if the cost of the policy goes down if you insure a vehicle with us and put auto insurance in the system. The insurance I was getting a quote for was my employer. The vehicle XXXX XXXX put in the system was already insured and belong to the business. I was not looking for auto insurance. XXXX did not go with this quote and forgot to cancle the make believe auto policy. I called him and his manager and asked them to stop sending policy payment request. They both said they would handle it. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have disputed with XXXX and Accounts Management Svcs several times this account does not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been searching for assists for a loan modification from Wells Fargo or a hold off on a sell date of my home so that Wells Fargo can review my income and expensive to try and get a modification on the loan. I was denied in XX/XX/XXXX, and was waiting to receive my tax refund to pay the amount to make my mortgage current after finding out I was denied. When going into an local branch to make the payment, I found out that I could not make the payment because I was supposedly three days late. With receiving a raise in pay and modifying my bills I believed I would quilify for a new loan modification and was told by a Well Fargo Rep what to send in. I did just that and on XXXX/XXXX/2016 I faxed all the documents that was asked. I was also told by the Rep that the review would only take 24 hours. Then after not hearing anything in the 24 hours, I called and then was told by another Rep that it could take 72 hours. But their could be a decision made later that day. After not hearing anything again I then called back and was told everything should be ok and I should receive an answer because I had all the information in by XX/XX/XXXX. Not hearing from Wells Fargo continued and I had to keep calling to try and get an update. I call today XX/XX/XXXX. And was told because my foreclosure date is Monday XX/XX/XXXX that they did n't have time to review my loan modification. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Citibank had a promotion to get a credit card and if in the first months you use more the {$3000.00} they will give you XXXX miles. I called to verify that I had some of the miles because I spend over {$2000.00} and had over a {$1000.00} pending which it will be equivalent to {$3000.00}. When I called the lady that answer my phone call was not friendly at all she was talking very loud and did n't honor the promotion and said that even if I spent {$3000.00} I will not get the miles, I asked to speak to the supervisor and again he was talking very loud, all this conversations were in XXXX so they think that just because I asked to speak in spanish they think that you need them to speak louder, that is very frustrating. So this supervisor called XXXX said again that " no I will not get the XXXX miles '' then I said why is Citibank promoting something that is not true! Then he said " Oh yes you Will Get the XXXX miles by XX/XX/XXXX '', because I had spend over {$3000.00}. Then I asked for some sort of confirmation and he said that it was not needed. I called last night XXXX XXXX and spoke to a lady that talked super loud and she said that I was NOT going to get the XXXX miles. I can not believe that they have such a poor customer service and more severe false advertisement. Please help me with this situation. Thank you for your attention in this matter. 

XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Had a fraudulent bill as a result of identity theft at an old apt with XXXX on my credit in collections, disputed the bill collection was removed from all XXXXreports now XXXX keeps reporting on my payment history that I have an open acct with them and I 'm missing payments every month ruining my credit I have had this removed from all other credit bureaus except experian who just keeps telling me the info is accurate and and was verified by the company I do n't understand how I 'm being reported as not making payments when I do n't have an open acct and it was found that the original acct was removed 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Property tax is not being paid out of escrow account. More then enough funds are available in the account. 
several phone calls have been made as well as 6 or 7 emails sent to customer service with no response. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I contacted Macy 's and requested a goodwill adjustment of their credit reporting. I have been a customer since XX/XX/XXXX and have only had three months of past due status. All three were in XX/XX/XXXX. I continue to be a customer with them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To Whom It May Concern, Statebridge argues that they did not receive the package for loan modification, and foreclose on our home on XXXX XXXX, XXXX. 
After filing a complaint with the Consumer Financial Protection Bureau, loan modification was reviewed and determined that based on our financial information provided {$4200.00} of our monthly income is 31 % debt to income ratio, did not meet the accordance guidelines. Our mortgage is a Conventional 8.5 % Fixed Rate approved in XXXX. Statebridge based their denial on accordance guidelines, under which criteria and interest rate? Our question is under what validity of terms of modification guidelines was used? XXXX, or Today 's Prime Interest Rate? Why were we disqualified? When in fact, the published conventional mortgage loan modification today is XXXX % -XXXX %. Is this a common practice to modify our XXXX loan modification application with what Prime Interest Term, XXXX? 
Since, the conventional fixed loan is being modified in XXXX the Rate must correlate within the appropriate time frame of the loan modification review process. Banks offer loan modification as an option for struggling homeowners by reducing the interest rate. According, to the Government Bailout, we are those homeowners that this exact program were designed for. The neglect that Statebridge has demonstrated resulted in our home foreclosed! 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern, My name is XXXX XXXX XXXX I have had a truck loan with Automotive Credit Company for 5 years I am a XXXX XXXX Veteran and this company harassed me by mail and phone calls telling me my payments or late. I have never been late on a payment I just checked my credit score XXXX is giving me a score of poor XXXX because they have reported me XXXX XXXX, 2016 last payment late my last payment was in XXXX XXXX, 2016 and on XXXX my payment history for my loan has been removed why would they do this. I strive on paying my bills on time and after 5 years paying {$11000.00} dollars being charged in interest a total of {$22000.00} dollars for my truck I do n't deserve this. I have n't checked XXXX because this information on my credit is incorrect and very harmful to my credit score I will check XXXX and give you a follower up. Thank you in advance for correcting this problem Now XXXX! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: According to my XXXX I previously had a XXXX account reporting on Trans Union Credit Bureau that was deleted. I just check my credit reports this morning and XXXX is reporting again. This seem to be a constant battle that consumers have to go through. It should be a law established that once a item is deleted it should remain off the credit bureau report. 

Company response: Company chooses not to provide a public response