AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: at XXXX point I was having financial hardship, I filed for assistance from the courts, before the completion of the resolution in the courts me and O**** Loan Servicing came to an agreement if I paid the amount I was behind and pay a monthly agreed payment they will re-instate the loan, as of today I have lived in this home for 14 yrs, I have not changed addresses, they did not report correct information to the credit bureau they did not report I paid what I owed and have been making XXXX payments each month. I feel they received funds from me with no attention in giving me back ownership of my home which in XXXX aspect is fraudulent intent, when I speak with a person at O***** they are not assisting they actual speak to me in a tone as if I am uneducated and have no morals, I want fairness in this matter I paid O***** the monies I owed them I actually sold property in which I should have kept in order to save this XXXX if I knew what I knew now that choose would have been differently I feel they are trying to get over, t reporting that the monies I owed was paid in full with interest. I feel also because I do not understand real estate law they are taking advantage of the situation and me. they got the monies I owed them on the promise they would reinstate my loan fully and I would make monthly payments in the amount of XXXX, none of this has reflected on my credit report, no truth to the fact they was paid in full the amount I was behind and have been making on time payments every since. I need assistance in reclaiming my property if I did not have interest in retaining my home I would have not paid the monies owed ( correct ) but my intentions was to keep my home O***** was paid, please help me get my home back. and my credit report corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please have information more consolidated. Why are credit reports loaded with accounts being listed several times and it is for XXXX creditor? That is so unfair and unjust. 
I would like to see the Credit Report trimmed down. It is the most inaccurate document that I have every seen. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over XXXX years ago my wallet was stolen. I had XXXX credit cards in my wallet XXXX of which were Bank of America. I reported all credit cards stolen within XXXX. All other charges were dropped but from Bank of America. I spoke with someone on the phone and was told since they had copy of my license I would be responsible for fraudulent charges. I continued to pay the balances I had prior to fraudulent charges. Once they were paid off I told them I did n't feel I should pay for fraudulent charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I was shopping for a vehicle. In XXXX 2015 I pulled mycredit report and noticed several unauthorized inquiries on my XXXX report. I sent a dispute regarding the unauthorized inquiries toExperian on XXXX/XXXX/15. I have not gotten a response from Experian. 
Pulled my credit report XXXX/XXXX/15 and all unauthorized disputes are stillreflecting on my Experian credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting inaccurate information on my credit report. There is a Judgment XXXX that is negatively impacting my credit. This Judgment was reported in error. The property was foreclosed and sold. Under Oregon law, XXXX Bank is prohibited from filing a judgment against me. Please see attached letters from my attorney, XXXX XXXX XXXX.This Judgement needs to be deleted from my credit file! 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in 2009, I was hurt at work and was given a settlement of {$4000.00} in the form of a check. I then took the check to Wachovia bank to cash. I ended up opening a checking and savings account putting about $ 500- {$800.00} in checking and {$2000.00} in savings. Within a month i spent all that was in my checking and in turn had to transfer funds to my checking from my savings. I lost track of the fees that were accumulating everytime i transferred and before long I was {$300.00} in the negative. All due to fees. Shortly after Wachovia gets bought over by Wells Fargo who I have an account with now. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX solicits the public to sign-up for its XXXX XXXX Citi credit card by offering the flying public several perks.including among them the right to have XXXX Boarding when purchasing a ticket. That is being able to board before the general public and therefore to have more time to relax and prepare for your flight. In the past XXXX months XXXX has failed XXXX to honor this advertised perk for my wife and I.. Their most recent response to me today was : 'The number of customers previously included in XXXX was simply becoming unmanagible. '' If this is their position why are they allowed to keep advertising this perk to the public as an inducement to accept their card. No goodwill adjustment has been offered to date. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bought TV from Best Buy some bank had the account for awhile and them was turned over to citiXXXX. was then charged XXXX they say for interest on a XXXX TV. I send then a check and put on there paid in full they honored the check cash it and then some time later say I still own then and of course adding interest ect. I wanted to record the phone call and they would said no. it was approved at XXXX time but I can not prove it. I tell them I will only communicate on email or text so I have prove. They are now calling up to XXXX times a day like yesterday which was Sunday. I told them to send my money back if this is not paid in full I am getting constantly harassed. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address. 

I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap. 

In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap. 

Thanks for your help! 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact XXXX that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact CitiBank that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts from XXXX XXXX XXXX reporting on my Experian credit file. After numerous disputes, I have received no resolution. In addition, these accounts appeared on my credit report in XX/XX/XXXX as 180 days late ( no mortgage reporting since XX/XX/XXXX ) I informed them that I have an open investigation with the CFPB - case # XXXX and they advised me to file a complaint with the CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts reporting from XXXX XXXX XXXX ( XXXX and XXXX mortgage ). As these are not my accounts, I have an open investigation with the CFPB - case # XXXX. I have contacted XXXX, XXXX and Trans Union on several occasions to have these accounts removed, but have been refused any action. These accounts suddenly appeared on my credit reports in XX/XX/XXXX as 180 days late ( no mortgage reported since XX/XX/XXXX ). I am asking for removal of these accounts at the very least until the CFPB concludes their investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received several phone calls from a fraudulent group claiming tobe Macy 's and stating that I have personal financial business they needto discuss with me on behalf of Macy 's. I have since contacted Macy'sdirectly and I owe them no monies and there is no update on myaccount that they were privy to that I needed to be notified about. 
This fraudulent caller has continued to harass me even though I havenot answered since the initial phone call from phone number ( XXXX ) XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The borrower has XXXX mortgages secured by her home. The first is serviced by Green Tree and the second is serviced by XXXX XXXX XXXX. The borrower defaulted on both mortgages in XXXX 2013, after her husband passed away. Soon after she defaulted, the borrower submitted a modification application to Green Tree. By letter dated XXXX XXXX, 2013, Green Tree offered the borrower a Trial Period Plan for a XXXX Loan Modification. This trial period plan commenced with an XXXX XXXX, 2013 payment of {$2200.00} and ended with a XXXX XXXX, 2013 payment of {$2200.00}. After the borrower successfully completed this trial period plan, Green Tree offered the borrower a permanent loan modification agreement. The borrower signed the permanent modification agreement on XXXX XXXX, 2013 and Green Tree signed the agreement on XXXX XXXX, 2013. Since this time, the borrower has been current on her XXXX lien mortgage loan. 

The borrower is now attempting to modify the XXXX lien mortgage loan, which is serviced by XXXX XXXX XXXX, a participant in the XXXX Lien Modification Program ( " XXXX '' ). During the application process, the borrower provided XXXX XXXX XXXX with a copy of the permanent loan modification agreement executed by Green Tree and proof that she is current on her first mortgage. The borrower then requested to be evaluated for a " XXXX '' modification for her second lien mortgage loan, because her XXXX lien mortgage loan had received what appears to be a XXXX Standard Modification. After conducting its review, XXXX XXXX XXXX informed the borrower that Green Tree had not properly reported the first lien mortgage loan modification to XXXX. Consequently, XXXX could not provide matching information to XXXX XXXX XXXX so that XXXX XXXX XXXX could then extend the borrower a XXXX modification. The borrower then mailed Green Tree a Notice of Error, explaining the aforementioned error, and requesting that Green Tree properly report the loan modification to XXXX so that the required loan information is accurately reflected in the XXXX database. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: HelloI bought Visa Gift card ( Prepaid ) card for XXXX $ at XXXX store in XXXX, GA. It was issued by US Bank. I bought it around XXXX XXXX 2015. Around XXXX XXXX, I tried to use and XXXX said, I had only XXXX $ left on the card. When I checked online, I could see that someone had removed money from the card using XXXX XXXX. 

I immediately contacted them at XXXX and they closed my card. It was around XXXX XXXX 2015. They sent me form to fill out which said, I need to file police complain and get it notorized by bank. 

i did all that and faxed them form around XXXX XXXX 2015. Till today, I have not heard back from them. I have been calling them and they are saying that they are still investigating it. 

My XXXX $ are stuck right now for a month and I am not getting any good answer. Can you help? 

Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposit a check that was sent to me by a company, the bank cash it and three days later rejected and said I committed fraud. I would like to take this off because it looks like I committed fraud which i did n't it was with Bank of America 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 Citi Bank reduced the credit line on my credit card although I have never been late and have honored the terms of our agreement. This action by Citi Bank will reduce my credit score because it will reduce my available credit and increase my outstanding debt ratio. My credit should not suffer if I have kept my end of the agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I entered into a loan rehabilitation program with the Department of XXXX. If I made my XXXX payments on time that XXXX would remove the default status on my loans that were rehabilitated. I was told if I disputed my credit report, by XXXX, that my credit report would update faster. I disputed the XXXX accounts as not being in default/not late. The credit agency contacted XXXX and XXXX stated to remove all accounts instead of taking off the default status, as per our written contract. I would like to have those accounts added back to my credit report and updated with the default status removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Car was repossessed in XX/XX/XXXX. They came and got the car, and sold it for less than market value, market value at the time was XXXX The original debt was XXXX -sold car for less than {$1000.00}. NOW they say today XX/XX/XXXX ( 18 years ) I owe {$12000.00} ( caller of collection agency -said this ) This is the XXXX collection agency to purchase this debt. Letter received says I can settle his debt for a mere $ XXXX! 
Agency is First National Collection Bureau , Inc . 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX credit card accounts with Wells Fargo. I accidentally paid off the wrongcard and now they have charged me the accrued interest on the only remainingcard. I mixed them up and paid off the card that was n't due until XXXX and thecard due in XX/XX/XXXX has been charged over {$900.00} in interest. Both the other cards were paid off. I did not have any late payments, all monthly payments on all XXXXcards were paid on time previously and I have excellent credit. This was a terrible oversight as I have XXXX serious illnesses and I am on XXXX. I have sent them a letter by a fax XXXX times and they have not responded. I can pay off the entire balance due ( minus the deferred interest ). 
I have no money otherwise for this deferred interest as I am on a strict budgetfrom XXXX. This was a terrible mistake and I am begging someone to helpme with this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been affected by eBay not documenting fees and Paypal Credit and Bill me Later Option in not correctly documenting transactions, laundering money, including me int contractual binds and misusing my funds available. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello I called earlier because my account was closed from USA bank and now I 'm not allow to open another account in any other kind of bank. I 'm in the need of my debit card. I talked to the polices department and let them know everything that USA bank has done to my account. And have n't gave me any time of information. 

Company response: Company chooses not to provide a public response
Consumer complaint: i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year.
Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I received a collection letter from Enhanced ; for debt that had been deleted from my credit report in XXXX 2015 due to XXXX XXXX failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from Enhanced Recovery ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Tranunion has " XXXX XXXX '' listed as an employer on my report wich is incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an item on my Experian credit report, reported by XXXX XXXX which has been sued by NC Attorney General the CFPB, FTC and several States for trying to collect money on loans that consumers did not owe. Even after i supplied Experian with all the supporting documents they refused to delete this item. They sent me a letter stating that they would not investigate this item any more. What else do they need. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Wednesday, XXXX XXXX, 2015, I went into a BMO Harris branch in XXXX, Illinois to apply for a mortgage refinance. I presented the Mortgage Banker, XXXX XXXX XXXX XXXX a commitment letter from my current bank for the mortgage refinance and asked if he could do better than their deal. It was an interest rate of 3.5 %, for 15 years with XXXX origination fee and XXXX discount fee. Although he said the cost would be approximately {$1500.00}. He also said that the recent appraisal of my house could help to reduce the cost of the loan and I would get a grant for {$1000.00}. But he required a {$100.00} deposit. I provided a master card for the {$100.00} and asked for a receipt and he said he would email it, but he never did. Today, I received the application via express XXXX letter that he completed along with other mortgage documents including disclosures and settlement information. How can {$4100.00} in settlement charges be better than XXXX cost and XXXX origination fees? I wanted to borrow XXXX, but the application says that I want {$85000.00} to pay for consumer debt when I did not ask for additional funds. I told him that I currently do not have an escrow with my current mortgage and want to keep it that way, but the application/documents he prepared state that I would have an escrow. I have asked whether I would be denied a refinance loan for the {$73000.00} and whether I am only approved for the larger {$85000.00}. To date, he has not documented whether or not that is the case. Also to date, he has not provided me a receipt for the {$100.00} that I have requested XXXX, but BMO Harris managed to charge my credit card. I have found this loan refinance process to be such a scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was given instructed by my nephew to deposit his check into my account to pay his rent. I deposited the check into my account. The bank did not credit my account. Instead they put a hold on the check. I called to ask why and was never given an answer or notified by mail as to what the problem was. I contacted my nephew as to the problem, but he XXXX unable to get any paperwork done on the matter. Since he is in XXXX, I cant help at this point. The problem now is that the bank is taking my money to cover a check that is still on hold. Right now they have taken XXXX dollars of my money and my account is XXXX overdraw for the balance of the check amount. I cant use my ATM, or debit card to pay any bills, I am literally without any banking. I do not know why they are taking money from my account, when the check I deposited is still on hold. They never put that money into my account They are literally stealing my money to cover a check that they never cashed for me. I spoke to someone in the corporate office in XXXX and they do n't know why the branch manager is holding the check. This is unusual because a week or so before I deposited a check from the gentleman the rents a room in my home. It was his S.S. check. He signed it and I put it in my account. There was no problem with that check. I need for this matter to be looked into because my XXXX check is direct deposit. How is it that they can go into my account an manipulate it the way they want. What does my money have to do with a check on hold in the account. 

Company response: Company chooses not to provide a public response