AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of Fredrick J Hanna & Associates, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting Fredrick J Hanna '' s office because as an officer of the court they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that Frederick J Hanna has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been doing research into a mortgage refinance and spoke with an agent, XXXX XXXX at loanDepot, about rates for the loan. After sending an estimate. XXXX XXXX asked for a credit card to keep on file in the event that I decided to proceed with my refinancing application with loanDepot. He then told me that I should lock in the rate he quoted by paying {$10.00} immediately. I told him that I did not authorize that charge and would let him know the next day if I wanted to proceed. The following day I received a notification that the {$10.00} fee had been processed, per my authorization. XXXX XXXX sent me an emails stating in part, " Hopefully by saving an additional {$310.00} in price timing, you will forgive me for the sudden {$10.00}! ". Because I explicitly did not authorize this charge, I would like to warn others of this fraudulent behavior. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE SELECT PORFOLIO FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED MUST BE REOVED VIA COURT ORDER SEE PAGE XXXX FOR CHAPTER XXXX 3. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BALANCE IS INCORRECT 5. SECOND XXXX BALANCE IS INCORRECT 6.XXXX INQUIRIES ACCOUNTING ERRORS MUST BE REMOVED CALL THEM TO VERIFY XXXX XXXX INQUIRIES MUST BE REMOVED DO NOT SAY VERIFIED XXXX XXXX XXXX INQUIRIES MUST BE REMOVED. 
XXXX XXXX INQUIRY MUST BE REMOVED TOWER INQUIRY MUS BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

YOU PEOPLE ARE GOING TO GET ME ARRESTED BY PUTTING THIS ON MY REPORT I AM XXXX!!!! THEY DO N'T ASK QUETIONS REMOVE ALL THIS!!!!!!!!! AND DO YOUR JOB NOT VERIFY EVERYTHING!!!!!!! 
I CAN NOT DO ANYTHING MORE THAN READ IT IN PERSON FOR YOU!!!! 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was offered terms to refinance a current FHA home loan, and proceeded with the loan origination. They were made aware that the seasoning requirement from a previous short-sale was not going to be met until the end of XXXX 2015, however I was assured that they can originate the loan sooner, but would not close it until the seasoning timeframe was met in XXXX. As we neared closure, I was then informed that the underwriters would not accept the loan since it was originated prior to the seasoning requirement, and was not acceptable even if closure would not happen until XXXX. This was not in alignment with what I was originally told. The rate lock then expired and another loan was originated in XXXX. This loan then sat waiting for " pricing exemptions '' and other rate adjustments that the loan officer was trying to push through to match the original terms from the 1st origination. This then lead to another expiration of the rate lock. Now, the mortgage company is offering me terms that are much different from what was originally agreed to, which includes a higher loan amount to cover the rate re-lock fees ( which expired due to issues on their end ), as well as to cover PMI, which they said was going to be lender-paid in the original terms. They 've also done a 2nd appraisal to on the property in order to try and further adjust terms and costs. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have submitted a complete package for a short sale review since I can no longer afford my home. I submitted the documents requested XX/XX/XXXX. On XX/XX/XXXX the assigned point of contact on my case from ASC XXXX XXXX informed me that all the documents were received and that the file was under review. On XXXX XXXX, XXXX I again spoke to XXXX and she informed me that a short sale agent still had no picked up my file but that she was going to get it assigned. Since then I have not been able to get in contacted with XXXX. I have spoken on several occasions with different agents and none of them have been able to help me. All of them tell me that I need to speak to XXXX or the processor lynette grogan-reyes. XXXX of the represenatives was nice enough to give me XXXX 's e-mail. I sent her an e-mail XX/XX/XXXX to follow-up on my short sale and she has never responded. Today XX/XX/XXXX I was finally able to get XXXX which was of absolutely no help at all since she had no clue as to what was going on with my file. NO ONE has been able to tell me what is going on and it has been more than 60 days since my file was complete and ready for decision. I keep getting the run around and I am scared my buyer will walk. I am trying to find a solution to my problem but the bank has only neglected to properly review my file in the appropriate time frame. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: in XXXX I attempted to purchase a car from XXXX XXXX XXXX XXXX Colorado. I had a XXXX that I had paid off and owned entirely. 

The dealer then set up the paperwork for a ford van, trading my car in as collateral. 

After driving the van we discovered that it was previously damaged from an accident. 

This is where things get weird. 

Before we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a XXXX XXXX. 

Shortly after taking possession of the vehicle, XXXX XXXX XXXX began not posting our payments, then became threatening. 

As I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. 

In XXXX XXXX we left the US for 24 months. 

XXXX XXXX XXXX wrote off the contract as I returned the vehicle undamaged. 

Then- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX XXXX . 
We responded to the subpoena in writing mailed certified return receipt to the XXXX XXXX XXXX XXXX. 

The certified mailed return receipt response was properly addressed and mailed within the required time to respond. 

Several weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . 

That same judge then issued a summary judgement that did n't exist against me for some XXXX k. 

The total price of the car, a car we did not have as we returned it to the dealership as agreed with XXXX XXXX XXXX. 

In other words, a debt not real, or valid. 

The debt was sold to a collections firm in XXXX Colorado [ Machol & Johannes ] that is not affiliated with BBB, and suspect for illegal collection practices. 

They have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX 

Someone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this may be the work of the collection firm. So I am out of any vehicle now. Its XXXX. 

That XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. 

I am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX ], forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by XXXX XXXX XXXX which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. 

It seems no one has done anything to look into these illegal business practices 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When you call the phone number for TransUnion- you get pitched a variety of other services such as XXXX XXXX auto insurance, XXXX XXXX, and free vacations. Meanwhile, you can not get through to a human being who can explain how to activate either a fraud alert requiring notification and permission for anyone to run a credit check on you or a credit freeze. How can an organization like Trans Union who has so much power over the average person 's lives be so disrespectful of communicating with us apparently perceived 'little people. ' Thankfully, I have XXXX who did find a phone number for me and wound up teaching me how to set up an account at Transunion and to notify me of the option of placing an alert on the account, and how to complain to the FTC about it! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 1996, I and my then spouse signed a mortgage contract with XXXX XXXX XXXX. The loan was soon bought by Greentree Servicing and recently, Greentree changed over to Ditech. I have been divorced for approximately five years and in the divorce decree, the judge granted both the land and home to me. This divorce was granted through notice of publication since the whereabouts of my spouse were unknown. 
The mortgage contract ends soon and the payoff is currently little more than {$5000.00}. With this being the case, I attempted to speak with a representative from Ditech regarding some questions about the mortgage and they refuse to speak with me and answer my questions because they claim I am not on the loan. I signed the mortgage, and all relevant notes necessary in obtaining the original financing. I have offered to provide them proof of every statement I have made herein so that the disputed issues such as escrow activities can be audited and an accounting provided. 
The whereabouts of my former husband are still unknown to me. 
It is my sole desire to have a true audit of this account so that I may determine a legitimate payoff amount. 
Lastly, since the inception of the original loan I have increased my credit score to a point significant to have qualified for a reduced loan rate through refinancing but due to the failure of this lender to even communicate with me, I have been denied the opportunity and thus been penalized by being frozen at the rate of the original mortgage. This in itself has cost me several thousand dollars. 
As a woman, I feel that I have been discriminated against for this reason. The mortgaged property is located at XXXX XXXX XXXX, XXXX, AL XXXX in XXXX County 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: There is a judgement pending from XXXX XXXX on my credit. This is false and needs to be removPlease have lates removed from XX/XX/XXXX-XX/XX/2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.ed. There was a granted judgment reported on my report that is under bankruptcy for XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally. 

Company response: Company chooses not to provide a public response
Consumer complaint: Each month my auto payment is due on the XXXX. The bank states I have ten days beyond this to make my payment before a fee is assessed. But the bank will make a fee assessment sometimes before the ten days. I will have the money in the account every month before the ten days. The bank goes in on the tenth day takes half the payment, charges a fee assessment and then takes the rest of the payment. If I have ten days then the fee should not be assessed until the eleventh day. When I contact the bank about reimbursing the fees they stare they can only reimburse XXXX time as a courteously but no more and this means ever not just that month. I have emails where they have stated this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed all inquiries on my credit report and Experian has failed to provide me within the time frame allowed ( 30 days per FCRA ) any updates on these inquiries that were not made by me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? Experian responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from EXPERIAN XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have experienced a variety of issues with my loan application with Wells Fargo : 1. My application was mishandled with full of inefficiency and miscommunication and took unnecessarily long ( nearly 2 months ) to reach a decision. So much time and effort was wasted during the process and I had to switch to another lender at the end. The closing was delayed by at least two months. 
2. My loan was rejected with a wrongful reason. The rejection letter simply stated " insufficient funds to close the loan '' as the reason, which is against the fact and the documents I submitted. This also harmed my reputation and credibility as I had to present the rejection letter to the seller for extension of closing. 
3. I requested detailed information based on which my loan was rejected and refund for payments I made to Wells Fargo. They keep telling me that they need more time to investigate without any further explanation. It 's been more than 6 weeks now and they have n't provided any information I requested. This, as I understand, is a violation against my right under Fair Credit Reporting Act. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: According to XXXX XXXX XXXX XXXX, credit cards can be removed 6 years 9 months after closure of account. The following accounts should be removed from my reports : XXXX XXXX, XXXX, Bank of America, and Bank of America. It has been more than 6 years for each of the accounts. I want them removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is an account which is past the statute of limitations, several validation request have been submitted with nothing received. Please help assist me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX/XXXX I have disputed it many times to all XXXX credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX/XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted RPM several times when I call from my work # I 'm disconnect purposely and then when I call back I 'm asked to hold before they even ask my name. They can definitely see the number your calling from. So I called a couple of weeks ago to dispute the account as well as send in documentation to support that I have contacted the original carrier as well who verified my account is {$0.00} and verified that I was to receive a refund check which I did. So RPM is giving me the run around I asked for a supervisor and the young man stated that he can get me to the " escalation team '' and then disconnected me. I totally get it if I owed this I do n't and he said it was just sitting a supervisors desk call back in a few weeks. This debt which is incorrect has been deleted from XXXX of my credit reports and they are holding up the last I 'm not sure why. I can definitely send the copies of the deleted reports as well as my refund check. 

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

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible. 

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