AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX XXXX XXXX have a home equity line of credit second mortgage loan with Bank of America on our home. This loan ( XXXX ) originated on XX/XX/XXXX. The loan agreement expiration date is XXXX XXXX, XXXX and it comes with a ten year draw period. It is common practice for a performing line of credit for the bank to extend the draw period once the initial term expires. In my case, Bank of America chose to deny us the option to extend the draw period. Under the Federal Equal Credit Opportunity Act, discrimination against credit applicants on the basis of race is prohibited. It is my claim that Bank of America is not in compliance with the Federal Equal Credit Opportunity Act. There has NOT be any material change in our financial circumstances, contrary to what Bank of America claims. When this loan commenced, we chose the interest only payment option because it allowed us the greatest flexibility with payment amounts on a monthly basis. The payment history reflects that although we chose the interest only payment option, we always made principal payments on a monthly basis. The value of our home is such that it is in compliance with the banks ' loan to value ratio. Once the draw period expired in XX/XX/XXXX, we requested a 10 year extension. This was denied by the bank. They informed us that we needed to amortize the loan balance over a specific term. The payment option Bank of America initially offered to us as significantly above our capacity to pay. We informed them that we could not comply with these new payment terms and they offered their RMA program, Request For Mortgage Assistance. Since XX/XX/XXXX, we 've completed multiple forms sent to us by the bank, During this time period, we 've continued to make the same loan payments we 've made during the past ten years, which is an amount above the interest only threshold. On XX/XX/XXXX, I was informed that Bank of America has been reporting to the credit bureaus negative information regarding payments. It was my understanding that during this credit review period, that the payment terms would remain the same, particularly since I informed the Bank that we could not make there revised fully amortized payments. At that same time Bank of America is allegedly claiming to assist us with the line of credit, they are reporting negative information to the credit bureaus, thereby ruining my credit. Bank of America should be held accountable for this unfair action. They are the ones who have requested on XXXX different occasions over the past five months for additional credit information. We have provided this data on a timely basis while at the same time, paying on the line of credit. During this transition period of gathering financial information, you would think that Bank of America would allow the initial payment terms to apply until it could be determined what we could afford to pay. Bank of America is practicing unfair credit policies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage through Wells Fargo. In XXXX of 2014 I re-financed my home through Wells Fargo. ( I hoped this would make the process easier ). This year when my taxes/insurance were due, Wells Fargo informed me that my escrow had been used to pay the closing cost for the re-finance. However when I re-financed I was told the closing cost was added to my principal loan so that I would not have any out of pocket dues, which I agreed to. Now they say I owe an additional ( approx ) {$150.00} a month to cover the escrow and have not yet paid my insurance or taxes. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which has a XXXX. The fact the the credit bureaus did not further research what was placed on my credit which is illegal for a XXXX party purchaser to do has ruined my life. XXXX has refused to help me. They constantly transfer me to their other company XXXX who claims they do not need to provide me with information on this account, they hang up on me, they lie to me. I have never had any contact with this company up until XXXX when I called to figure what this was. That is when I learned by talking to an attorney, the courts and reading in detail about this for numerous hours that this is illegal. I can believe that the credit bureaus have the ability to ruin ones life with just one mistake such as this. I want this removed off my credit from all XXXX credit bureaus immediately. Please! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a unauthorized charged on my macys American express card1.XX/XX/XXXX macys at XXXX XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge 

Company response: Company chooses not to provide a public response
Consumer complaint: *** The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across one such planwith a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & $ XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days * XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Experian tocorrect this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points. 

Company response: Company chooses not to provide a public response
Consumer complaint: Updated medical insurance information was submitted at the time of the office visit but the information was never forwarded to their billing department. Doctor 's office sent the bill for collection. I had paid the copay and since my address also had changed, I did not receive any notices of the bill not being paid and was unaware that there was a problem. Doctor 's office cancelled collection on XXXX/XXXX/15, more than 30 days ago, recognizing that the error was theirs.. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was forced to get go and get my Transunion credit report and their website is very very confusing and in the end I supposedly got signed up for something that costs {$17.00}. Once I saw this I logged into the TransUnion website and tried to find what it was and cancel. But I was unable to. So today I called them and I spoke to a sweet girl that I could barely hear or understand. She did acknowledge the charge and told me I had been signed up for a week trial of some sort that ended up with me getting charged XX/XX/XXXX/mo. 
I was able to tell her I did not want it and she canceled the service. But due to how hard it was to hear and understand her I was unable to get my money back. 
I really dont know what this was for and I would like my money back. All I have is what shows up on my checking account : XXXX XXXX, 2015 TU *TRANSUNION XXXX, CA , US - {$17.00} TransUnion does not allow for contact besides over the telephone and Id rather try to avoid that nightmare. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XX/XX/XXXX Please be advised that this is my 9th REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! this need THIS MUST GO TO YOUR COSTUMER SERVICE DEPARTMENT!!!!!! IN THE USA NOT TO A XXXX this was your reply .... all wrong and was in violation of the FCRA Case number : XXXX Status Company responded Trans Union said : Explanation of closure The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnion 's policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Accounts included in the Bankruptcy filing to be reported for seven years from the date the bankruptcy was filed. 

The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written XXXX XXXX not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. 
WRONG THEY MUST HAVE PERMISSION. TO ACCESS MY REPORT THEY DID NOT!!!!!! 


BANKRUTCY chapter XXXX for XXXX 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 XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove XXXX INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLIED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITEMS AND SHOW HOW YOU INVESTIGATED THE COURT ORDER. 

MY ID IS ATTACHED!!!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get. 

Company response: Company chooses not to provide a public response
Consumer complaint: I switched from XXXX with XXXX XXXX XXXX to XXXX with XXXX XXXX XXXX. XXXX billed me twice during my first month with XXXX with the same dates of service for XXXX, though I no longer had XXXX. When I changed services to XXXX, I had just paid my bill and had a {$0.00} balance. I have tried to resolve this with XXXX XXXX XXXX, but they are unable to show me proof that I still had XXXX and they were rude to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Despite multiple requests, via phone, mail, and online dispute, wherein I have reported that a particular item on my report ( XXXX XXXX Bank Acct. # XXXX ) is not mine, Experian has neglected, failed and refused to remove and delete this item or respond to my request for re-investigation pursuant to FACTA and FCRA. Rather, the report merely idicates the item has been " updated, '' meaning that the item " was verified as belonging to [ me ]. '' I continue to dispute this " update '' ( and want to learn more about how they purportedly carried out their alleged investigation and " verification '' ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My student loan was held by XXXX XXXX and was to be transferred to ATG. ATG said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost 1 1/2 years. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have just checked in to view the status of my investigation sent through this website regarding an invalid Civil Judgment reporting on my credit report through XXXX under Judgment XXXX. I have waited already 32 days for a response and have not received one and I am getting extremely worried regarding what is going on. XXXX is not supposed to be reflecting on my credit report an this investigation has surpassed its limit and on top of forwarding all invalid judgment documentation to Experian which i received from the XXXX XXXX court records office ; I have been patient enough and I would like to know how soon this jusomenmt can be removed from my credit report. My investigation on this Consumer Financial Protection website has lead me to believe and to know for a fact that the law ( 168. section B ) states that reinvestigation may take a 30-day period to complete. I have not forwarded any more relevant documents regarding this expunged judgment in these 30 days, so I do not understand what the hold up is. Please remove this invalid judgment and so I can finally return to my financial life and try to correct the wrongs done this past 8 years with Experian having displayed this account unlawfully barring many financial institutions to deny me credit. I think i have awaited and suffered enough. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am disputing an negative collection field on my credit report by XXXX XXXX Tax Lien for 2015. Tax lien was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien, paid in full ). However, this is now showing up as public record/tax lien on my credit reports. Tax collector advise to dispute the 2015 reporting specifically with credit reporting as they are not reporting it. I am disputing this 2015 tax lien collection as account is paid, and tax lien should be removed as it in not accurate information reporting. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Please review previous Consumer Financial Protection Bureau Case Number # : XXXX. I want Professional Placement Services to close the account, XXXX out the balance, have the account removed from my XXXX credit report, and not sell or transfer the account back to XXXX XXXX Bank or another debt collection agency, which in turn is going to contact and harass me for the same debt I do n't owe. I am a victim of identity theft and the debt is a result of identity theft. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wanted to refinance my property and noticed that my identity was stolen and used to open a fraudulent account under my name without my knowledge. I am a victim of identity theft. I filed a police report at XXXX Police Department in California. I contacted with the credit bureaus and sent them Identity Theft Affidavit and Police Report. The credit bureaus removed the fraudulent account, but after a month I 've got a letter from XXXX credit bureau that they re-inserted the following fraudulent account : Wells Fargo Bank - account no : XXXX. I again contacted with XXXX to find out why they re-insert the fraudulent account. XXXX representative tole me I need to contact with Wells Fargo Bank. I asked him to do three way conversation to see what the problem is. XXXX agent contacted with Wells Fargo bank and I explained XXXX of the agent of Well Fargo Bank Fraud Department. She asked us to hold two to three minutes to find out what happen. After 45 minutes, she took the phone ( without any excuses ) and told us she should transfer the phone another representative. So, another representative took the phone and I explained her what happen, she hanged the phone on us. XXXX representative was surprised and I was shocked because nobody could help us. I asked him to remove that fraudulent account but he regret to do it. I asked a supervisor from XXXX credit bureau and he transferred me to XXXX XXXX, the supervisor of XXXX. After two hour, he called me, and again I explained me what happened. He advised me to do three way conversation one more time. After all, XXXX XXXX called to Wells Fargo Bank. This time Wells Fargo Bank representative from fraud department did not let to XXXX to hear our conversation. But I insist to talk on front of XXXX supervisor, but she hanged off the phone on us. I asked XXXX XXXX XXXX to removed Wells Fargo fraudulent account from my credit report, but he did not remove it. He told he will call me one more time next day and try to fix this problem. However, since now I do not receive any phone calls from XXXX. Please help me to resolve this problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX My ID via drivers license is attached 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We were told in XXXX that we had been qualified thru USDA to purchase a home for {$160000.00}. We purchased a new build home and uprooted our whole lives to move to XXXX, NV and watch our new home being built. On XXXX XXXX we were finally doing our final walk-thru and would be in before XXXX. During that walk thru our lender called the sales agent ( not our agent ), to tell her we did not qualify because we are on income leveling. This means that when social security kicks in, ( in 2 years ), my retirement benefits come down by exactly what my SS amount will be ( {$XXXX} ). They told me that one underwriter had been fired and the new underwriter had dis-qualified me on that fact. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a mortgage and was told Experian reports XXXX judgements : 1. XXXX County. XXXX {$15000.00}. XXXX XXXX XXXX XXXX. XX/XX/XXXX 2. XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX . XX/XX/XXXX I have never resided in XXXX County and have never heard of XXXX XXXX XXXX XXXX. These do not belong to me and because of the mistake I am denied a mortgage! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ditech/ Greentree started foreclosure on a property that I used to live in. The house was foreclosed on in XX/XX/XXXX by XXXX. Ditech started foreclosed in XX/XX/XXXX. Ditech admits that they should have never had the mortgage and they took it off of my credit report. However they say that the account will remain open. Which makes no since if they should have never had the mortgage. Ditech says I owe them no money. I need them to report to the credit bureaus that the account is closed and that I owe them no money. Also XXXX says I owe them no money. I 've talked to both companies and each company tells me to contact the other company. If I owe neither company money I do n't see why they ca n't close my account. 

Company response: Company believes it acted appropriately as authorized by contract or law