AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I disputed the accuracy of the Chapter XXXX Bankruptcy listed on my credit report since the information is not correct. I disputed the information ( entire record ), and it came back verified. My initial dispute was online, so I thought possibly a letter would garner better response. That is not the case. Shortly after my dispute was verified, I mailed a request to Experian to provide me with the method of verification and supporting documents they obtained from the bankruptcy court to validate the debt that would permit it to stay on my report ( as I was requesting it be deleted ). I did n't receive any response to my first letter, however, I failed to make a copy of any postmark that would substantiate I mailed them something. On XXXX/XXXX/15, I called Experian at XXXX and spoke with a dispute representative, XXXX. I requested the verification information again and he said that Experian would have called the court directly to verify the information ( since I had intimated that I knew the information was verified through a third party database, and not the original creditor ). He said he could not provide me with any verification documents as Experian is not required to provide that to the consumer. I told him I would be sending another letter to get the documentation that verifies they disputed the information directly with the original creditor, as well as going to the CFPB with a complaint since they ( Experian ) are not in compliance with the FCRA and since the record was not verified with the original creditor and, therefore, it must be deleted from my report. 

Prior to mailing the XXXX/XXXX/15 final letter requesting verification, I called the Bankruptcy court in XXXX XXXX NJ as a final check of all of the information I had gathered at XXXX. I asked to speak with the person who verifies credit reporting information to the XXXX bureaus. The person told me that court does not get involved in disputes and certainly does n't verify any information via the phone. She confirmed that any information reported about a bankruptcy to a person 's credit file is done through a third party system which does n't even list complete socials. She said verification is just not done by the courts ( via phone, letter, etc ). She said it would require the case to be re-opened to release any information and she hung up. 

I called myself to verify the information and I was not able to. I was flat out told by the original creditor that they don't/ wo n't verify credit report listings. I am trying to understand how the inaccurate/unverifiable record can remain on my report for a number of years? Please find attached my latest letter to Experian in an effort to have the listing removed from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had closed out my account with XXXX XXXX after paying in full and then moved. 6 months later I got a letter from credit management in XXXX, TX stating I owed {$260.00}. I called XXXX XXXX who stated that I did not in fact owe anything. Credit Management insisted I did and forced me to submit a dispute form which I now fear they wanted for identity information. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: False information submitted on my credit profile from XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX nor a Credit Card with XXXX XXXX XXXX please remove False Information my Credit Profile 

Company response: Company chooses not to provide a public response
Consumer complaint: In approximately XXXX, 2015 I was sent a letter by Specialized Loan Servicing asking for payment on a zombie debt/mortgage. The last communication I had with the original mortgage company was more than 8 years ago in which I sent them a qualified written request and they sent me nothing to verify the debt -- the statue of limitations for ALL debt in CA is 4 years. I was sent a XXXX by Specialized Loan Servicing and I spoke with XXXX XXXX XXXX who said that the lien would still stay on my property and that I would have to pay it off ; however they were not servicing the debt and have written if off with a XXXX. Although I explained the IRS says that the original collector had 36 months to send me a XXXX, Specialized Loan Servicine should not have sent me XXXX as the debt is 8 plus years old. I asked for information on the previous loan and he refused to provide it over the phone and he would not correct the XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted Transunion and provided them with a police report that I am a victim of identity theft. They refuse to remove the inaccurate inquiries, as well as the inaccurate accounts. Additionally, they continue to let people do hard pulls on my credit without my authorization. The following credit inquiries are continued unauthorized inquires related to my identity theft case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2013 I purchased a washer/dryer from Best Buy at which time, I was told that if I got a Best Buy credit Card, there will no be finance charges for 36 months.I'eve paid he monthly payments regularly every month, the balance at this time is {$750.00}. Then today, I get a bill from them advising me that may balance due is {$1900.00}! an increase of more than {$1300.00} claiming that because I did not pay the loan in its entirety when it became due, I would have to pay {$1300.00} in interest charges. Obviously, because the loan is more than 3 years old, I forgot to check the due date, and I feel this company should have at least sent some type of warning advising me of this important date, I feel they did not do this simply wanted me to forget the date and therefore, make money from me. To me, this plain and simple extortion. I have a XXXX XXXX which means that I pay my bills, every month, and on time and I feel this charge unreasonable and should not be paid. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On my mortgage with US Bank Home Mortgage ( XXXX ) there is a late payment reflecting that should have never been late. This account was not late in XXXX 2015. I have confirmed with the bank and received correction letters claiming error. Please see my first claim to cfpb # XXXX for XXXX late error and this new claim is for XXXX. I have worked very hard to maintain my credit and this has damaged my credit and the ability to move ahead with refinancing. These months were never late and to have them show as such is incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation 

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

Company response: Company chooses not to provide a public response
Consumer complaint: I have had continuing issues with my loan servicer researching a payment I made that was never credited to my account. The first request was made on XXXX XXXX, 2016. I sent a request using their online form ( their preferred method of contact ). I detailed every payment that I had made, along with all of the details I had available to me and requested they research and let me know which payment ( XXXX ) were not applied to my account. The response was a generic informational message noting that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. I replied informing them that that response did not address my issue in the slightest and that I would like a supervisor to call me. I never received a call or a reply to that response. 

I contacted them again on XXXX XXXX, 2016 under a new request. I asked for a supervisor to contact me and notified them that the payments that had been posted to my account were not applied anywhere near the dates the bank honored the payments, which would cause me to incur additional interest on the loan. The response was, again, that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. 

I then contacted Benchmark by phone on XXXX XXXX, 2016. The result of that call was that I was to fax proof of payment from my bank to them in order for them to research the payments. I faxed the information I had on XXXX XXXX, then faxed additional information I had obtained from my bank on XXXX XXXX. On XXXX XXXX, 2016, I received an email from the research department saying they had not cashed one of the checks that I had provided proof of payment for. This check was mailed to their parent company at the same payment acceptance address as their company. I contacted my bank and they confirmed that the check was paid to the payee. I responded to the email with this information on XXXX XXXX and I have not received any reply. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: In our XXXX end-of-year escrow statement, SLS told us that we had a shortage in our impounded funds ( due to reassessed property tax ), and told us what our new payment would be. On XXXX XXXX, XXXX, SLS acknowledged receipt of a letter from us disputing the amount being demanded and offering an alternative payment plan. On XXXX XXXX, XXXX, SLS sent us a letter turning down our alternative plan and demanding the original amount. 
While this payment amount was in dispute, we made our XXXX XXXX payment on XXXX XXXX, XXXX. We paid {$2700.00}, which was not the new amount SLS told us to pay, but was more than enough to cover our principal and interest due for XXXX XXXX, as well as an increased amount for our escrow account. 
However, SLS did not apply the funds we sent to our account. Instead of paying first the interest, then the principal and then putting whatever was left into the escrow account -- which SLS holds as a service to us -- the entire amount was put into " unidentified funds unapplied. '' This, in turn, made it look as if we had not made our XXXX payment -- although again I emphasize that there was more than enough to cover our principal and interest -- and we were charged a late fee, which I paid. 
I have been a homeowner since XXXX XXXX, and I have never once had a late payment. My husband owned a home for four years and never once had a late payment. NEVER. 
And we did n't make this payment late, either. The issue is the order in which the funds were applied. 
When our loan was first transferred to SLS, in XXXX XXXX, both our old mortgage company and our new company paid our homeowners insurance. XXXX sent me a refund check for the second payment, and I sent it to SLS to be reapplied to our escrow account. It took three months and numerous phone calls to get that simple thing done correctly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Got a letter from Bank of America saying they will no longer accept personal checks when paying my mortgage. They claim that they have " received multiple checks over the past months that have been returned by my financial institution due to insufficient funds. '' I never had my check bounced. I feel that they are just harrassing me. I am not late in my mortgage payments. But they do call frequently to ask me when I will mail the payment. Now I get a letter that I have to pay by money order or cashier 's check. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit reporting agency is reporting an account XXXX Mortgage. However, the creditor is unable to locate an account for me. Please see attached letter from XXXX Mortgage. There is also a collection account XXXX XXXX XXXX for the same exact account. XXXX accounts have a past due balance. Experian is reporting XXXX of these as XXXX separate debts. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX claim they had me in collections for my XXXX bill. I paid the original creditor in full XXXX. Never once did I pay XXXX. They sent me a letter saying I was in collections but the balance was wrong so I wrote them a letter asking for proof of original debt. Which I never received so I went and Paid XXXX off in full. I would like helvey and associates to show proof that I paid them. If they ca n't show proof which I know they ca n't so i want th collection account taken off my credit report. I paid only XXXX. They are making false statements that I paid them. I did n't know I was in so called collections since they never sent me my letter asking for my original debt which is against federal law. Maybe they could have cleared it up of they would have sent me a letter. I know they received my letter because I sent it certified. Once again if they ca n't show proof i paid my debt through them I want the collection account taken off my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am disputing this debt because it is not mine, I did not receive any services from XXXX. I signed a prescription purchase agreement for and in behalf of my mother XXXX, on XXXX/XXXX/14, having her Power of Attorney, for her healthcare. XXXX turned me personally over to N.A.R. collections for this bill. These prescriptions were for my mother, she being the patient at the XXXX Idaho, the pharmacy would not provide services unless the agreement was signed. XXXX had XXXX XXXX number and was instructed to turn the bill in to them at the time of service. XXXX was completely covered by XXXX at that time. XXXX has been deceased since 2014. I want this collections charge reversed as it is not my responsibility and is affecting my credit rating. N.A.R. has contacted me demanding I personally pay for these charges because I signed the agreement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In early XXXX 2015 my partner and I approached our local Wells Fargo branch in order to apply for a mortgage. They redirected us to a Wells Fargo broker at a different branch who initially pulled our credit report and told us that I would be better applying for the loan on my own based on my XXXX score. At that point we started receiving weekly e mails requesting documents and this has continued until last Friday, XXXX XXXX. It was my and my agents understanding that it would only take 45 days and the repeated requesting of additional documents has caused great stress to both me, my partner and the seller. Finally today we had reached our limit and have withdrawn from the process due to more documents being requested and have been told that we would not receive our earnest money back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: on XXXX XXXX, 2016, I saw my experian credit report and notice a fraud statement that did not pertained to me. I did not write nor call experian and ask them to put a personal fraud statement on my credit report. I can say that someone used my information without my consent. But i never asked the credit bureau to put a fraud alert, which included a personal statement that I did not add to my credit report, and the credit bureau listed a old phone number that I had 5 months ago 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see attached documentation. BB & T claims to have received an incomplete Loss mitigation package on XXXX/XXXX/15. I have a fax confirmation that it was received XXXX/XXXX/15 and sent through mail and received XXXX/XXXX/15. I have a copy of the faxed / mailed and it was not incomplete nor received on XXXX/XXXX/15. Furthermore, BB & T stated this should be judiciated outside of Civil Circuit court since it was a " Federal Issue, '' did not wait for the court to rule on any of the objections / motions and proceeded without adherence to Federal law. BB & T had been notified on separate occasions that I, the Plaintiff, notified BB & T that there was already a Loss Mitigation in process with XXXX. After our last hearing, the opposing counsel said they would email me that day to come to a resolution and was never heard from again, despite my many attempts to reach his manager. BB & T was dishonest with the court and CFPB responses and ignored that I had a loss mitigation in progress with a HUD approved counseling center. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My last name is misspelled on my Trans Union credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TransUnion and XXXX Credit Reporting Agencies are not reporting my current credit information to those that are requesting credit information from me, who I have allowed to gain such information to obtain a service from those requesting credit information. Also, I have sent by mail via certified receipt numerous of time to have my personal information change to current information and to correct and update all discrepancies in my credit report. 
Please, I would like my credit report from all credit report agencies to report current and accurate credit report about me. Please, advice. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I contacted PENFED Credit Union at XXXX, and talked to a customer service representative regarding the amount of {$490.00} which was paid twice to my personal loan. I informed the customer rep that I can not afford to pay the loan twice since am paying for mortgage and other loans. That, am currently retired and am in a fixed income. The customer representative informed me that the amount of {$490.00} will be reversed back to my XXXX XXXX XXXX XXXX in 48 hours. On XXXX XXXX, XXXX, I again contacted the PENFED Credit Union and talked to XXXX, Customer Service Representative, and she informed me that the money can not be reversed back to my XXXX XXXX XXXX XXXX, as they will either wired it charging me {$20.00} or mailed me back the check in the amount of {$490.00}. She ask for my pin number which I completely forgot since I have n't used PENFED in XXXX. She did n't provide informed me as to mailing a new pin number. I did n't received good customer service from her. Again, I contacted PENFED Credit Union and talked to XXXX, Supervisor. I told him about the situation, and he said that the money can not be reversed back to my XXXX XXXX XXXX XXXX. I told him that the information provided by the customer service representative on XXXX XXXX, was misleading. XXXX then asked me XXXX questions, and I said none of the above, which locked me out of the system. I ask him what was the reason why he ask me the questions, and he said that is public information. Then, he said that in order for my money to be wired, I need the pin number and if to mail out it will take 7 to 14 days. He then told me that I would have to wait another 24 hours before the system is activated again. Then, another XXXX questions will be ask. I told him that is not fair and that the information provided in XXXX XXXX, was misleading. That, I will never use PENFED Federal Credit Union again after my personal is fully paid off. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This status that I received a credit report on XX/XX/2015. I did not! I need to see my report so that I can file disputes that may or may not be on there 

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