AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: CitiBank closed my credit card saying that they have the right to do so without any reason. When they closed my account i have a credit balance with them of {$5300.00}. I have called them on XXXX XXXX, 2015 to direct deposit and have followed up almost everyday. They said it would only take 2 to 3 business days. 
I understand they might have issue of proving if my payment is valid and it might bounce back. I have no other way to get the my money by using my account cause it is closed. All i ask is for them to send me back my money. I am attaching the receipt of payments i did from XXXX using check free pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ran my credit report with trans-union and notice this XXXX account is still showing on my report. I 've spoken to XXXX and received a refund, for not only not having a balance but also because I overpaid for my procedures. Please contact Customer service Suspervisor XXXX XXXX phone number : XXXX XXXX XXXX XXXX. I will attach the emails where she states I was owed a refund and this account should of never been opened for that amount in the first place. XXXX has been paid in full satisfactory. Please contact her to confirm and remove or change the status of my account to " close paid in full ''. THank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: eviction was file against me in XX/XX/2012 but never was execute but is showing in my credit reportthe I did have eviction at that time at this moment this wrong report is cause to me and my kids to find a apartment to move, I just was reject my application from XXXX located at XXXX XXXX XXXX XXXX fl. XXXX. I need to have remove this issue from my credit report ... 
thank youXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made all payments on time to XXXX XXXX XXXX. However, this month when reported my credit score dropped XXXX points as a result of late payment. When reviewing the payment history, all sections are in good standing, however, it says I am 39-50 days late in that section as well. I am current with all payments, I have NOT missed or been late on a payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some one from this phone ( XXXX ) XXXX claims he is from collecting agency collecting a debt for XXXX XXXX. He has a first name and last name only. When I ask fro the middle initial he always refuses to tell. However he wants my birthdate and/or Social Security number. I will not give that information to no one over the phone. I had given him my middle initial a while back. I had told this person to stop bothering me for I pay my bills on time. 
The man I talked to name is XXXX. I called back to get the company name. 
I know there is a man with the middle name " XXXX '' that do n't pay child support or his bills. 
I was sent a court order from the state of XXXX for me to submit a DNA test. That 's how I found his middle name. 
I got tow calls from this individual today. I finally told him " if you think I owe you money suit me. 

I am tire of getting this calls from this people harassing me. He call XXXX today. XXXX call after the other. Can you please help? 

Company response: Company chooses not to provide a public response
Consumer complaint: The company contact my cousin at her home number and left a message stating that the call was in reference to a debt collection. I do not know where they received the phone number. I do not even know her home number ( only her cell phone number ). My cousin called back and they stated they were looking for me regarding debt collection. My cousin is very upset these people are calling her. I called the company and they are collecting a debt and have my cousin 's address. I have been staying there since XXXX 2015. I have never given any XXXX the number for her home ( again I do n't even know the number ). The fact that they called a number that is not listed in my name or even in a name with the same last name, a number I never provided them and left a message they were a debt collector and gave my name to my cousin is a breach of privacy. I have signed no XXXX party authorization and I did not provide the contact number they called. I asked the company to provide the paperwork I complete providing this number to them and they hung up on me. I believe they got the number from an internet search. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is in violation of FCRA, and has FAILED to provide PROOF for it 's actions. 

According to the Fair Credit Reporting Act, credit grantors with a 'permissible purpose ' may inquire about credit information. 

The credit report by Experian contains a section of " Requests for credit history inquires shared with others '' which has the name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT AUTHORISATION or PERMISSIBLE PURPOSE:1. XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXAs one can see, the Comments Section for these inquiries state " Unspecified. This inquiry is scheduled to continue on record un- til XXXX 2016. '' Even though, neither does the mentioned companies or Experian have the permission to do so. 
Experian needs to explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for and received a mortgage modification. However, the amount that my lender acquired to finance my modification far exceeded what I believe to be appropriate for my loan. As a result, I am repaying approximately twice what I calculated necessary for gap financing. I am seeking relief in the form of a determination of what was actually required to bring my previous loan current, and an adjustment of my loan to reflect that amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit offered a settlement option which was fulfilled but never informed XXXX XXXX XXXX that the account was settled in full. I spoke with SW XXXX and they offered me a settlement of XXXX which was spilt into XXXX payments of XXXX. First payment was taken out of my account on XXXX and the other was taken XXXX XXXX. The supervisor I spoke with advised that I would get a paid in full letter after the second payment. An agent called me a couple days after the second and final payment and stated that I still owed a balance of XXXX. I then explained to that agent that I had already settled in full. He said the account was n't closed correctly and he would close the account correctly and that I would get a paid in full letter. I never got a paid in full letter, but I id see that it was credit reported as XXXX and zero balance. Then on October, XXXX I got a call from a different collection agency saying I owe a balance of XXXX and I never settled in full. I called Southwest Credit back and they said for the third time that they are sending a paid in full statement. I also called XXXX XXXX XXXX and they stated that Southwest Credit NEVER reported the payments nor did they report that the account was settled. It was still showed as an open account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was talking with a mortgage company about checking rates and told them specifically and directly to not put a hard knock/inquiry on my credit. When I checked my credit report, they had not only done it once, but put a hard knock/inquiry on it twice. The company is XXXX XXXX XXXX XXXX and they put the inquiry on Transunion. While other credit companies provide the option to dispute hard knocks/inquiries, transunion 's online portal does not. Upon these two hits my credit score plummeted from XXXX to XXXX!!! 

If there is any assistance you can provide, please do. I closely guard my credit score and hate that this company put hard knocks on my credit after explicitly telling them not to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint # XXXX. This is our complaint on file with your agency. I received an email today stating you are passing it to the OCC. I already tried to file a complaint with the OCC and they would n't take it as the lender is a mortgage company and NOT a bank and referred us to you. This is beyond frustrating! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sir, My service provider was changed 3 months ago. The new provider is demanding that I pay my escrow now even though it has been already paid up to XXXX XXXX, 2016. I do n't pay property taxes because I am ( XXXX VA ) I pay just the insurance. I told them that if they would look at my records with the old servicer they would see that to be the case for years every since I received my modification. I tried to explain that to the new representatives but they do n't agree with me. Your CFPB XXXX told me to file this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a XX/XX/XXXX Debt Verification Affidavit which was received XX/XX/XXXX XXXX ; XXXX by representative ( XXXX ) or agent ( XXXX ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA XX/XX/XXXXs-2, 15 USC XX/XX/XXXXe ( 8 ), 15 USC XX/XX/XXXXe ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XX/XX/XXXX ( Public Law 91-508 XXXX, 15 U.S.C. XX/XX/XXXX XXXX Public Law 109-351, 801-02, 120 Stat XX/XX/XXXX ), and numerous other violations of my rights under countless Consumer Protection Laws. Additionally, " FCO '' has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( XXXX ) and or Representative ( XXXX ) are frivolous. I have not applied for, neither received any services or credit with " FCO ''. I also have no account and/or contract with " FCO '', nor do I wish to contract with them. FCO has failed to respond to the XX/XX/XXXX Debt Verification Affidavit/ Proof of Claim with authenticating proof of a valid claim/verification. " FCO has purchased evidence of a debt for value and are proceeding with collection activity in the name of the original contracting Secured XXXX. XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX. FCO has failed to provide full disclosure as a lawful due process and has agreed to the terms and conditions of the XX/XX/XXXX Debt Verification Affidavit by Acquiescence. FCO by failing to respond by tacit procuration agreed to all terms within the contract/agreement. Respondent XXXX XXXX ) tacitly agrees that the Unsecured Debt Collector herein as the Respondent XXXX XXXX ) waives all claims against me and with respect to any and all collection attempts involving the above-referenced alleged account, and that said collection attempt was fraudulent from the beginning. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My current situation started in XX/XX/XXXX when I was layed off from XXXX XXXX XXXX ; a job of 2 years. I approached TCF the following XX/XX/XXXX and discussed possible options for a mortgage modification. At the time my monthly payments were {$1000.00} per month and TCF agreed to a year long temporary modification of {$650.00} a month. In XX/XX/XXXX, after my monthly payments had returned to the original {$1000.00} per month that I again approached TCF on the possibilities of a permanent modification. TCF requested that I submit the required forms which I did the next month. I did not hear back from TCF all XXXX and into XX/XX/XXXX despite numerous attempts on my part during this time. It was at this time ( XX/XX/XXXX ) that I decided to cease monthly payments to TCF in the hopes of " lighting a fire under their feet '' I was contacted by TCF in XX/XX/XXXX and offered a " trial '' modification of {$950.00} per month ( with a 3 month phase in period ) which I accepted due to my desire to work with TCF. I made the XX/XX/XXXX and the XX/XX/XXXX payments but due to my employment situation at that time I was not able to make the XX/XX/XXXX payment. I resumed employment XX/XX/XXXX and contacted TCF the following month seeking to address this issue. At this time ( XXXX XX/XX/XXXX ) I was informed that TCF would resume accepting payment if I would remit 2 payments of {$1000.00} for XX/XX/XXXX and then {$1000.00} a month there after. I agreed to this because, once again I want to stress that I wanted to work with TCF. The 2 payments of {$1000.00} in XX/XX/XXXX and {$1000.00} singular monthly payments were electronically withdrawn via phone call voice authorization from my Mother 's TCF account due to the fact that my TCF account of 26 years had been shut down due to identity theft in XX/XX/XXXX. I had made payments for XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I attempted to make my XXXX XX/XX/XXXX payment I was informed that XXXX was no longer accepting payment from me and had begun the foreclosure process. I made one last attempt at modifying my mortgage starting in XXXX XXXX. After supplying again requested paperwork my " hardship modification '' was denied in XXXX XX/XX/XXXX. The following month XXXX XXXX XXXX ) I received in the mail a solicitation from a company that had agreed to assume my mortgage and modify my monthly payment down to {$550.00}. per month. This company needed TCF 's permission to proceed with the assumption process but after providing the new company with several phone number contacts to TCF 's mortgage office and numerous attempts by myself and the new mortgage company to establish a dialog. These efforts proved utterly futile and lead me to my honest belief that TCF was " stonewalling '' any attempts to rectify my situation to save my home and that TCF had most definitely developed a hostile and aggressive attitude and posture towards me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a eviction/ judgment on my credit report. I was living with my mother when she was evicted from the property, I never signed the lease. When she received her keys at lease signing I was not there I was only a occupant living with her mother at the time. I have a XXXX yr old and are struggling to find a apartment because of the eviction on my credit report I am asking for help to have it removed. I never had a apartment of my own 

Company response: Company chooses not to provide a public response
Consumer complaint: Brandy from BSI Financial Services Intentionally told us not to pay a mortgage payment because we had an account overage of {$3100.00} after they bought our loan in XX/XX/2014. A year and a half later they called us to say they made a mistake and we were 30 days past due and needed to pay. Along with late charges charged back to that date. This was their error not ours. We noticed that they were claiming our payment was late every month. So we started sending our payment by certified mail with return receipt. They have intentionally held our payment until after the XXXX of the month every month so they can charge us late fees. We have receipts to prove what date our payments were received by BSI. They still hold them and process them late on purpose. I have left numerous messages with a supervisor for an explanation of their error 's. I have never received a return call from anyone in any department of BSI. Not once. I do now however get a recorded message 7 or 8 times a day to call BSI at my earliest convenience. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My creditor XXXX XXXX has reported twice on Experian. Once under loans and another under Litigation. This is facing a judgement in public records. Due to this / This loan was deleted from my XXXX account. XXXX only report it once. A previously opened charge card. XXXX XXXX that is delinquent and charged off was reported with an incorrect open date of XXXX/XXXX/2013. This account was deleted with the dispute and was reinserted with an open date of XXXX/XXXX/2013. This account is closed but it is reporting a fresh charge off every month. It shows on my credit as a new account. These items are ruining my credit, could you help. XXXX XXXX also reports it as a fresh account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an offer from LoanDepot ( my mortgagor ) that I could save interest on my loan if I signed up for their budget billing program where they take my XXXX/XXXX my payment twice a month and then twice a year they take an extra payment. This was very misleading because they do n't apply the payment until the XXXX payment is made. They are taking my money and using it for XXXX the month without any benefit to the consumer. I can make a thirteenth payment at will. I am a XXXX and understand what is going on. To the typical borrower that if very misleading and unfair. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I just received Bank of America 's latest disclosure on new fees they intend to begin charging in the as of XXXX, 2015. These include a " Legal Process Fee '' of {$120.00} for each legal order they receive to freeze, attach or withhold funds, including attachment or garnishment, in a customers account. This is an exorbitant levy bearing no relationship to the cost of processing the request, that punishes customers who are in the midst of financial difficulties. Attached is a copy of the disclosure notice with the description of the fee circled. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote Transunion in XXXX and they never wrote me back. I am attaching what I sent. 

Company response: Company chooses not to provide a public response
Consumer complaint: Specialized Loan Servicing , LLC, ( SLS ) has not been working in good faith with us to process a mortgage modification for our small family farm. In fact, they have been untruthful in regard to missing documents, resulting in multiple reapplications and costly delays. After I filed a complaint with CFPB in XXXX of 2015, SLS finally offered us a Home Affordable Modification. It was processed and SLS said that they sent the finalized document to the courts for approval on XXXX,2015. They lied! Every month, they said it was in process with the courts and every month they lied. The final document from SLS still has not been received by our attorney or the court. We are just asking for a chance to be able to pay the mortgage on our farm at a reasonable interest rate. My family of XXXX generations is facing foreclosure if we can not come to some agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: Contacted Ideal Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to settle a debt. Company withheld offering a settlement to the original creditor ( i.e., did not even present the offer ). Even once I/consumer disclosed that the original creditor would accept a settlement of at least XXXX if presented ( per their agreement they should at the very least present an offer ) XXXX XXXX and another female debt collector of the company said they would not uphold their agreement with the account holder because I should have paid the bill, and not wait until the bill was stopping me from getting something. Filing this complaint due to harassment and request that my debt is settled with another collection agency or the original creditor or they uphold the agreement made between the original creditor and debt collection agency. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I wrote Experian in XXXX and they never write me back. 

Company response: Company chooses not to provide a public response