AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Have been trying to get the bank to correct my monthly payment based on a corrected Town tax rate/amount. I have sent several faxes, have spent hours on the phone, have spoken to several of their representatives about the issue. It still as on writing this note not straightened out. They seem un-willing or unable to make a simple correction to the monthly payment amount due. The town has also spoken to ... .and faxed information to the bank. Now, they have my account is " suspense '' because I am not paying the incorrect payment amount they keep saying that I owe. I have been paying an amount that was provided to me by XXXX of their employees. As soon as today, the Town again faxed the correct tax amount due to the bank ... ..who just recently made a payment to the town that Was not due until XXXX XXXX. I do n't know what to do with this bank. They seem to be unable to correct something that should be simple and with no hesitation. There seems to be poor communication between their departments. Please help. I have plenty of documentation that I could sent. It would take me some time to organize it all ... .as there is a lot of it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Statement from our Listing Agent : XXXX XXXX, The XXXX XXXX XXXX. We initiated a short sale XX/XX/2015 with US BANK. At no time were we informed by US Bank that a sheriff sale was in the process of being scheduled for end of XXXX XXXX. Owners were served a sheriff sale notice XX/XX/2015. A complete file, which includes all required and requested documentation, including an appraisal ( ordered and completed by US Bank ) was confirmed as being received with file being moved to processing on XX/XX/2015. This is after numerous times where documents were sent and confirmed as received by US Bank and later re-requested. On XX/XX/2015 I sent an email and was able to reach our assigned contact manager XXXX XXXX. She did not give me a reason as to why the sheriff sale could not be postponed, she did say she would check with her supervisor on getting file accelerated which should allow us to proceed with short sale in the event we are not able to close prior too. She went onto say she was n't sure if the file would qualify for acceleration which I found perplexing due to this new imposed timeframe and the file status being complete. She also said she had no updates from processing department and no additional documentation was required at this time. I confirmed that we continue to a cash buyer as well as a back up buyer in place ( purchase agreement provided as part of file ). On XX/XX/XXXX, XXXX called ( potentially an auto dial or required scheduled call ), it appeared she needed to familiarize herself with the file and had no updates for me aside from that she felt a short sale would n't get done in time? I asked her if file had been accelerated and she said no and furthermore we had also not been assigned a processor or negotiator. This is week 4 that nothing has happened on file since confirmation of complete package was received, except for US Bank to serve owners with a sheriff sale notice. It was disconcerting at the lack of familiarity she had with file when she advises she is only point of contact. She would not provide contact information for the processing department but did elect to share that her supervisor XXXX XXXX sits right next to her. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a prepaid credit card from XXXX when I opened the package i did not like terms of service and fees so I asked for a refund of my money. Was refused and told I have to use the card. I then tried to register it and the site said it was expired so I called the company and was told I have to purchase a New card and pay for it. I refused. I called several times and finally It took over a year to receive the new card with no fee and when I did I registered it and checked the balance. It was {$0.00} so I called them and was told that the maitence fee used up my balance. I never had a chance to use the card. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Not only have they called my job after numerous times of being told NOT too, they also attempted to share my personal information with another employee ( social security number ) And also have threatened to do a garnishment when NO legal action has been taken! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i contacted experian and they sent me a copy of my report file and i sent them information who i am ss number card and proof of my address from a letter i got in the mail and they still wont take this other persons name information off my report. and its on XXXX and XXXX as well i want it taken off all XXXX reports. it has a persons name of XXXX on my report im not XXXX and i never lived at a address in XXXX before of XXXX XXXX XXXX XXXX XXXX, XXXX ne XXXX i want this XXXX name and this address of my report its not my information. there is also a address of XXXX, ne XXXX and this persons name of XXXX as well on my XXXX report file number and i want that taken off too ive never lived at those addresses in my life.XXXX wont even send me a copy of my report at all because they say im not this person since XXXX peoples names are under my ss number on their credit report. my report should be empty with nothing on it since im a minor and and be blank. no other stuff should be on my report and if there is i want it taken off. i also see a XXXX bill on here and i want it taken off ive never had a phone in my name before, i cant get a copy from XXXX to see and they wont tell me on the phone when ive called. im including a copy of a letter i received in the mail with proof of address, i do not have dr license to send since i never applied for one in my life. but i did send them a copy of my ss card so they all XXXX have this information in their files. i demand for XXXX to send me a copy of my report so i can dispute items on it since these XXXX other reports have issues. i tried to attach a form to show my only address i have lived at but it wont attach it keeps giving me error. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly. 

Company response: Company chooses not to provide a public response
Consumer complaint: SSN AND PERSONAL INFORMATION EXPOSED BY EXPERIAN XXXX CREDIT PULLS EXORTED DATA. MY INFORMATION IS JUST NOT WORKING ANYMORE, DETRIMENTAL FOR MY BUSINESS. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not possess any working credit cards after bankruptcy XXXX. a XXXX credit card showing balance of {$1700.00} in 1991 appeared on XXXX, transunion credit report. I contacted collection agency advising these were not my charges, they referred me to XXXX who referred me back to collection agency claiming they sold account and could not proceed. Went back & forth and finally XXXX XXXX said they could not provide me with copy of charges as they were all unverifiable! Negative info remains as of today. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was told by XXXX XXXX that I could get a lower rate on my mortgage. While I was talking to loandepot to find out how much lower my rate could be, they put me on hold and did a had credit inquiry without my permission. I can not get it removed from my credit report now and it lowered my credit score for two years. Loan Depot does not respond to my calls or complaints. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: At Transunion I spoke to a Supervisor named XXXX. I have approximately XXXX hard requests that are not mine. He told me he could not dispute them. I had to call them individually then make a police report for FRAUD. I called each XXXX they say they have no applications for me so then it was an error. I ca n't get letters so They will not take off my report. The police said they need to do there job. If there are no reports then there is no fraud. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: 1 ) I ordered TV service from XXXX XXXX in XX/XX/XXXX and switched to XXXX on XX/XX/XXXX. I never signed a contract with XXXX stating I must stay with them for two years. Their service man came, installed the equipment and I signed a paper to attest that I received the equipment. I returned all the equipment according to their request. XXXX XXXX started to send me invoice wanting me to pay them a termination fee of {$250.00} for the following one year and I refused to pay. They eventually turned it over to the collection agency ( XXXX XXXX XXXXXXXX XXXX ) 2 ) My family and I rented a XXXX BR apartment when we first returned to the US from XXXX in XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, MO. It was a 35 year old bldg. We bought a house and moved out XX/XX/XXXX. During our stay, the refrigerator door needed fixing, the kitchen sink backed up and blooding the kitchen and finally the ceiling over the bath tub fell down ( XXXX ) because the bath rm above us leaked water which collected on top of our collapsed ceiling. Our family consisted of me, my wife and an XXXX year old daughter. We did not have any pet and we we are very considerate professionals. When we moved out, the property management did not return our deposit of {$250.00}. Not only that, a month later, sent us a bill of {$800.00} for replacement of the carpet which had normal wear and tear. They never showed me any pictures of the carpet or asked me if I would pay for it. Six months later, I started getting letters from the collection agency ( Consumer Collection, MN XXXX ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was recently notified that Countrywide/Bank of America Home Loans ( Account # : XXXX ) is now incorrectly reporting on my credit reports that my former residents at : XXXX XXXX XXXX XXXX XXXX CO XXXX was a foreclosure. Which is untrue and I was assured that if I took the short sale offer the information on my credit reports would not be deemed a foreclosure! I have always been concerned about this program that essentially forced us out of our home because Countrywide/Bank of America Home Loans would not consider us for a Loan Modification! 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I have some state tax liens on my Experian credit report that need to be removed. I contacted franchise tax board in order to remove these from credit file, I was told I need to contact the credit bureau in order to remove these liens. So I contacted the Experian to dispute the errors, after I received the dispute result, I noticed the errors are still there and they are refusing to remove them from my credit file. This has caused hardship to me. Thank you for your help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Today I received a letter in the U.S. Mail from " Experian '' credit reporting bureau dated " XXXX XXXX, 2015. '' Under the section entitled " Personal Information '' it had a " XXXX XXXX XXXX, name identification number XXXX '' listed. My full name is " XXXX XXXX XXXX, XXXX, '' NOT " XXXX XXXX. XXXX. '' I am a Victim of Identity Theft. When I called up " Experian '' and asked them to " delete '' this false " XXXX XXXX XXXX '' from my " Experian '' credit file, they refused to do so, thus, putting me for more chances of even greater Identity Theft in the very near future. 

Company response: Company chooses not to provide a public response
Consumer complaint: did not receive any notice or validation of debt notice from this company. i have not received anthing not even a phone call from this collection agency my employment and address is the same and has been the same for several years now. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This may not fit under your " Credit Card '' category, but several months ago I purchased tennis shoes from XXXX XXXX and paid by credit card. During the process of check out I was asked if I wanted to sign up for the XXXX royalty card, and I said that I would. The cashier than began to tap through several menu options that appeared on the credit card machine that I was unable to read. A week or two later I began to receive charges on my credit card statement for a XXXX XXXX subscription, that at NO TIME during the checkout procedures was I asked about, let along agreed to. I believe the cashier must have clicked accept on my behalf without my knowledge during the checkout. I have searched online and have seen this happen at other stores as well. I believe XXXX XXXX may have a passive policy in place encouraging this type of behavior, perhaps other retailers as well. I think the CFPB should advocate for legislation, or develop a regulation, that would equate this type of behavior, signing customers up for unwanted products at checkout without their knowledge, to identity theft. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a dispute with Experian after seeing a XXXX on my XXXX XXXX personal loan account, after calling XXXX XXXX they reported a XXXX late occurred between XXXX and XXXX but could not provide specifics. when I contacted Experian to have this derogatory item removed they stated it was reported accurately with no proof of action. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank would process my debits, largest first, so that my account would go negative and then incur overdraft fees. Then they would process deposits, but would take all of my overdraft fees out of the deposits. 

Company response: Company chooses not to provide a public response
Consumer complaint: FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. 

They are sending out letters to people 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i had scheduled a payment for my card but 5 days before scheduled payment called and told them i will be making the min payment only and not to process my check they still did twice costing XXXX in over draft fees i called they took my complain and said they will give me answer by XXXX XXXX they never did i called back XXXX XXXX they said they still have n't processed my complain and that they dont think i should be reimbursed the fees 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX a debt collector attorney purchased a Charge off from XXXX XXXX and then Fraudulently filed a Judgement against me XXXX/XXXX/XXXX, using XXXX XXXX XXXX XXXX to be named as Plaintiff. I XXXX XXXX was never informed or served notice to attend Court. The account was reported delinquent in XXXX XXXX and The Vehicle was repossessed and returned in XXXX. Upon numerous attempts in contacting XXXX XXXX I am told that that XXXX has no Judgement filed against me. As of XXXX/XXXX/XXXX XXXX submitted a letter by mail to me stating that XXXX does not " report '' judgements and to contact the debt collector. How can XXXX be listed as a Plaintiff '' if XXXX does not report Judgements? As a Texas resident Statute of Limitations on Auto contracts is 4 years 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Leader Cashnetusa will not stop contacting my employer and have been advised in writing two times that it is prohibited by my employer and to stop calling my work. They have there reason to know in writing that my employer prohibits these calls. It was required by them to provide a work phone number to process my application so I did so. They are contacting my employer XXXX 3 times a day.In addition they contact me non stop several times a day. My work requires the phone to be emergency or non emergency calls and again is prohibited from being used for personal calls. 
I have also told them that if they continue I will file a complainant with FTC and file a suit with FDCPA. I hope this is the start and end of all far it needs to be taken for them to stop contacting my work. Thanks You in advance for trying to resolve the issue. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: these debts were paid off in full and still put on my credit report anyway. ( XXXX /Mariner Finance. XXXX was given my visa card # to take the money directly from my checking acct. the XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called XXXX told them what I had done and why. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Experian just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: USAA Credit Card Services notified my employer of 19 years, who as a result of the debt took legal action against me, terminating my employment. USAA Credit Card Services, made no attempt to contact me directly, before disclosing the debt to my employer, nor did they follow procedures to provide me the opportunity to validate the debt, before sensitive information was disclosed to my employer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchase a home. I have never had a mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told by XXXX XXXX XXXX XXXX that I could try service for 30 days, and if not satisfied cancel free. They are trying to collect {$280.00}. 
I have had numerous conversations to solve the situation with no results. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Inaccurate information reporting on my Experian and XXXX reports, this item was removed from my bureaus and now has come back from another collection agency as XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX/XXXX/16 ) are no longer available. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My husband and I received a letter from Bank of America dated XXXX/XXXX/16 informing us our mortgage is to increase XXXX XXXX, 2016 from {$3800.00} a month to {$4700.00} a month. The explanation seems suspect in that the increase is to bridge an escrow shortage of {$5100.00} ... also due XXXX XXXX? Please help me understand how a monthly mortgage can so dramatically increase just a few months after refinancing. I would have thought Bank of America would have correctly calculated this during the ridiculously long refinancing process. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX account on my experian credit report was schedule to come of my credit report XX/XX/XXXX and experian refuses to remove it from my credit report I also attached a previous experian credit report form XX/XX/XXXX showing that XXXX account was schedule for deletion on XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm being charged an ISF penalty that does not make sense to me. 
The bank says larger entries are prioritized when payments are pending regardless if those smaller entries come previous ( 3 days ), even if those previous pending entries were being covered with sufficient funds. How so? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX shellpoint mortgage ( lender ) begins to collect escrow funds. Throughout the next year and half as borrower makes payments, lender fails to credit account and instead places funds in unapplied account. Borrower becomes up to six months behind on mortgage payments as per Shellpoints records. 
In XXXX of XXXX we were granted a loan modification by shellpoint mortgage ( lender ). The accounting that the lender used to figure that loan mod was inaccurate. As part of the loan mod the lender was supposed to bring payments in arrears, add these funds to the principal balance so that there are no monies to be in arrears on the Modification effective date ( XXXX/XXXX/XXXX ). But Shellpoint added {$17000.00} to loan balance but failed to bring loan current. Borrower contends he is only XXXX payment behind on modification effective date where as lender has borrower XXXX payments in arrears. Lender never brings loan current as required by loan mod. As borrower continues to make monthly payments lender fails to properly credit account. As an example, borrower paid three times for the XXXX/XXXX/XXXX payment. On XXXX/XXXX/XXXX borrower paid {$7100.00} for due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX borrower paid {$6000.00} for due date of XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX borrower paid {$6200.00} for same due date of XXXX/XXXX/XXXX as per Shellpoints own records. 
On XXXX XXXX, XXXX lender offers to amend loan mod but still has incorrect figures. In XXXX/XXXX/XXXX borrower signs notarized copy of new amended loan modification. Currently, Shellpoint is returning all payments made by borrower and does not return phione calls and has locked borrower out of online account activity. But borrower continues to make each monthly payment as per loan modification. 

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