AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian is refusing to investigate an account. They claim the account was verified in XX/XX/XXXX but according to my report, the account did not even begin reporting until XXXX. The dispute is in regards to child support that was reported as late but was not late. Child support enforcement misapplied payments to the wrong account but the account never went to collections like the Experian report claims. Child support enforcement states I must dispute with Experian to get the account corrected since it is a closed account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a house about 5 yrs ago and in doing so I took out an FHA loan at which I was told would protect me in not buying a house with problems, that the FHA loan will make sure everything was on the up & up. Since I been in this house the roof has been leaking as well as the pipes rusted and bad the structure of the house is off. I have had my insurance company look at the house and they wo n't do nothing cause the say it was already there, I feel I was unfairly informed about this house being that I was a first home buyer. I was told differently about this house from the seller when buying. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Trans Union numerous requests asking them to please investigate and correct some accounts in my credit report/file that are reporting incorrectly and they are not responding. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wallet and checking information was stolen in a home burglary. XXXX XXXX agreed to remove those late marks from my credit report due to the fact I called them and spoke with them about having to set up new accounts. The late payments are still on my report. I have never paid my bill late. The balance was also less than XXXX at the time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to obtain a report from the agency to dispute this information. While I can obtain it on XXXX XXXX and XXXX, I can not get it from the agencies themselves to dispute the information. I have sent it in writing to the agencies, however I have not received a response nor have the issues been corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Pharmacy Counter, XXXX XXXX XXXX XXXX, XXXX, OH,XXXX, loaned a XXXX to me for my child. I returned the device with a co-payment remaining from myincurance company of {$19.00}, on XXXX/XXXX/2015. I was asked by The Phramcy Counter to pay that co-payment before leaving, so ( with child in hand ) I did. I made a payment with my bank debit card on site. 
A few weeks later I receveied a bill in the mail from The Pharmacy counter for the same amount ( {$19.00} ), which I had already paid. Thinking that it must have been an oversight on the Pharmacy Counter 's part, I shreded the bill and thought nothing of it. 
About a month or so later, I received a letter in the mai lfrom Credit Adustments Inc, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, attempting to collect {$19.00} for The Phramacy Counter, which I paid on XXXX/XXXX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for a loan modification with Wells Fargo Home Mortgage XX/XX/XXXX. I was assigned a " Home Preservation Specialist '' XXXX. I hired attorney XXXX office to represent me in the process because. XX/XX/XXXX I received paperwork for a trial modification. In the paperwork, it did n't state whether through the modification my rate would be adjustable or fixed. My mortgage had been adjustable. I told my attorney that I would not sign a modification that was still adjustable just for my payments to balloon and get in trouble again. My attorney 's office spoke to XXXX ( they had third party authorization and XXXX would not speak to me ) and assured me that XXXX told them it would be fixed. So, I signed for the trial hamp. In the process of finalizing the trial, I had issues with my lawyer 's office taking care of what I requested. In fact, right before signing the trial hamp, my lawyer 's rep told me that I should speak to XXXX myself about questions I had. Because of this, I wanted to fire them. I lost faith in them and tried to speak to XXXX 's office again and they said I had to send them a letter stating my lawyer no longer represented me which I did. After doing so, I was nervous about the final modification and needing another lawyer to finish. I spoke to XXXX 's manager who assured me a lawyer was n't necessary. He said he handled about XXXX modifcations and only about XXXX had lawyers. So, I did not seek another attorney. When the final modification paperwork was on it 's way in the mail, XXXX called me to tell me that I would get a copy for myself and a notary would come to my house to have my wife and I sign it. When I got my copy and before signing, I noticed that it did n't state it was a fixed interest rate loan. I called Wells Fargo to speak to XXXX before the notary arrived. XXXX was n't available at the time but another home preservation specialist asked if they could help. I said I was assured by my lawyer that she spoke to XXXX and the rate would be fixed for the remaining payments. I wo n't sign if it is n't fixed. He said he would check and had me on hold for about 10 minutes. When he came back on he said he spoke to his supervisor and they can assure me it will be fixed. So I signed with the notary and assumed all would be fine. Then I got a letter a couple months ago saying my interest rate would be changing XX/XX/XXXX. I called Wells Fargo and spent over an hour over a couple days being transferred around. Finally, they said they said they see records on their end of telling me my loan would be fixed but sorry, that is n't the case. They opened up an investigation and after weeks, someone from Wells Fargo called me to tell me, yes they told me that it would be fixed but it is not. That is not what I signed. I told him that they fraudulently got me to sign the mod and I would be filing complaints. " Anything else I can be of help with you with? '' he said? What now? 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card with CitiBank and moved to a new address a few years ago. Upon moving, I notified them three times to change my address and phone in the system, but they could and still have not gotten it right. They sent my bill to the wrong address then reported a 60 day late to the creditors without even trying to contact me. When I finally realized I owed them money, I paid the balance off in full since it was such a small amount and the guy told me they would take the late off. Three years later it is still on my credit reports despite my numerous calls, letters, emails, and attorney letters. I am now taking legal action and which is just more wasted time on my end and more money dealing with these guys. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, XXXX I received a gift debit card for {$200.00}. When I went to use the gift card on XXXX XXXX, XXXX the account was closed. When I contacted Bank of American on XXXX XXXX, XXXX ( at approximately XXXX, via phone ) I was told the card had expired XXXX XXXX and the remaining balance ( actually the entire balance of {$200.00} ) was the " fee '' for closing the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX, I moved out of the apartment I was sharing with XXXX others and, among other things, ended my XXXX service at that address. XXXX picked up the equipment and the final bill that I knew of was paid. I have had XXXX services at multiple addresses in multiple cities since then. When I moved to XXXX XXXX, I was told I could not get an account because I had never returned my equipment from that first account. When I disputed that with the representative, he said he would look into it, and shortly thereafter I was offered a contract to get service, and I opened a new XXXX account in XXXX of XXXX. I have had XXXX service continually since then, have paid my bills on time, and have never had any issues mentioned to me by the company. On XXXX XXXX, XXXX, I received an alert that there was a new open collections account on my credit report. I went to check and found, after much investigation on my own part, that Southwest Credit Systems had placed a derogatory mark on my credit score for a {$65.00} debt to XXXX which XXXX was alleging I owed from XXXX. I have had the same name, phone number, and social security number affiliated with all of my accounts with XXXX, so they have no excuse for this absurd behavior. They have never once contacted me, sent me a letter, billed me, or otherwise attempted to hold me responsible for this amount. Southwest Credit Systems never sent me a letter regarding my debt before placing this on my credit report, and has made no contact with me whatsoever at this point, rapidly approaching their 30 day deadline. I am sending them a demand letter for verification and other information pursuant to the relevant federal laws. I do not believe I owe XXXX this money, and dispute the validity of any debts to XXXX and any collection agency regarding this amount. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a continuation of case # XXXX where upon rectifying issues on prior complaint, I have now been charged additional fees. When Sears reallocated my XXXX payment to 1 ) pay in full the revolving debt of {$1500.00} and 2 ) apply the remaining payment toward the deferred billing of {$1100.00}, I was charged {$16.00} to do that. Sears treated my money as if I did a balance transfer toward paying the deferred bill. Sears took the {$16.00} out of my payment. I called Sears. Spoke with their dispute department and was told she could not do anything to help me with Balance Transfer Fees. I explained that this was how Sears handled my money to allocate in a fair-practice way. She reminded me again that when you do a balance transfer over the phone ( which I did n't do over the phone ; I used their convenience checks ) that the operator reads pages and pages of disclaimers. This is a nightmare that does not end. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank has reset my loan to allow for more interest to be paid up front. Changing the loan number as I enter the last remaing years of my mortgage. I have a negative amortization loan that was converted from a fixed to a arm in 2006. I requested several modifications and have been denied for every reason. I have now discoveved as I enter the fully amortized payment they have changed my loan extended my term for a additional 22 years and have changed the payments which now allows the majority of the payments being applied toward the interest. They have changed my loan number to XXXX and have reset the payments to collect more interest up front as oppose to having the majority of the payments being applied toward the principal as it should now. You can review the amortization scheduke for both loan numbers and see the descrpency, 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent and been sending Debt Validation and QWR among others and have not received proof of validation. Only stories that can not be proven. 
Also I have sent a Notice of Rescission and they did not respond or file a lawsuit within the 20 days. The note and deed of trust are Void. As per the Unanimous Supreme Court decision in the XXXX XXXX 2015 decision. 
The latest notice of verification of alleged debt dated XXXX XXXX, 2015 and XXXX XXXX, 2015 were totally ignored by The XXXX ( the Trustee ). I did get a letter from SPS, Inc which in effect was a none response. Did not send the following 1. Copy of the original alleged note accompanies by an affidavit from alleged lender 2. Did not identify to what the debt pertains. 
3. Did not detail how the alleged debt was calculated 4. Provide copies of any papers that show that I/we agreed to pay alleged debt. 
5. Identify the original creditor. The Note and Deed of Trust is now Void due to rescission. 
6. Did not Provide the agreement between the creditor and both XXXX and SPS , Inc. which authorizes XXXX and SPS to collect funds.d 7. Did not provide evidence that they are licensed to collect debts in the State of California. 
8. Did not providtheir evidence of license numbers and then alleged lender 's registered agent. 
9. Did not provide evidence that the Statute of Limitations has not expired on this accounted. 
I am not in default. 
Please see attachment 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made a check payment in store to the Home Depot for my Home Depot credit card on XX/XX/2015 for about {$3800.00}. The amount was deducted from my bank account the following day on XX/XX/2015. On XX/XX/XXXX I tried to use the credit card and was told the payment had not been credited and would not be credited for an additional 15 days. Therefore the company took my money and held on to it for 30 days without using towards the payment on my account or reimbursing me in any way. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 a wire in the amount of {$60000.00} was wired to Specialized Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO in error. A second wire in the amount of {$16000.00} was also transferred to them, which was not in error, this wire paid off a valid account. SLS called on XXXX stating the wire was received by mistake and said they would return it. They did not. My bank recalled the wire on XXXX and XXXX. They have still not returned the money and refuse to speak with anyone about the account. An associate with XXXX Bank has authorization to speak with them but they are still refusing to acknowledge the situation. They are unlawfully holding {$69000.00} that does not belong to them. I need help getting this resolved ASAP. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX XXXX I submitted an Investigation Request to TransUnion and attached XXXX documents. The first document was an Oklahoma Tax Lien Release and the second document was an email from the State of Oklahoma Tax Commission stating I need to requests them to update my record. Before I submitted my request to have the entry removed the date of removal was in XXXX, now they have moved it to XXXX. They need to remove the entire record from my Credit Report as the State of Oklahoma has agreed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for XXXX XXXX ( A subsidiary of XXXX XXXX XXXX ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ditech financial has been giving me bills that change the amounts at least twice a month. They have also added fees to my mortgage account and have not applied my payments correctly and do not answer my complaints except with " we have received your complaint and it is under review '' The last answer I got stated that they felt they answered all my questions previously, that came from a paralegal. I am so frustrated with this company. I am attaching my latest correspondence. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion did their investigation and came back with updated information. Well I called the creditiors which i will list and they all came back and said they have no information on file. how did Transunionninvestigate without calling the creditors to see if this was my account. Also in 2013 i was a victimn of ID Theft which Transunion could havedid a better job at investigating the inaccurate information because it is still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record ) 2.XXXX spoke with XXXX Employee i.d . # XXXX @ XXXX Account number is XXXX ( No Record ) XXXX XXXX this is the same creditior so its being repored twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no Record ) 4.XXXX Account # XXXX. I have also enclosed a letter from them saying for you all to delate this off of my credit file immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a credit card from Bank of America and was signed up for automatic payment. I cancelled automatic payment in XXXX 2015 after our checking account was debited twice after I made a payment. The extra money was returned to our checking. This month, {$520.00} was removed from our checking account ( XXXX XXXX XXXX XXXX ) and applied to our credit card. After making a complaint, Bank of America stated they would credit our checking account on XXXX XXXX, 2015. This did not happen. After phoning Bank of America today, the lady I talked to said that the money was credited back to the credit card account. I told her that was totally wrong. How can Bank of America take {$520.00} out of my checking account to credit the credit card account ... then removed that {$520.00} and again credit it to the credit card account. Totally makes no sense whatsoever. Bank of America states they will research the problem which will take at least seven to ten business days. This is unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: Di tech has repeatedly called me at work when I have asked the calls to stop. They call me After I already tell them that the payments are made via bill pay. And continue to call me after I have already made arrangements to pay. In addition several Threatening messages have been left on my cell phone. When trying to make payment arrangements they insist on me using their pay by phone service which has a fee associated to it. My account also has an " Unapplied ballance '' of more than the amount of the payment owed. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The Bank simply refuses to provide me with an accounting of the total amount due to bring my balance current. I mailed a certified Debt Validation letter to them, and all they will provide is a payment history from XX/XX/XXXX - XX/XX/XXXX, a copy of the Note and Deed of Trust. They will not provide an accounting from XX/XX/XXXX to present at how they arrived at a {$180000.00} amount currently due. They remain in violation of the FDCPA and do n't care. I was hoping to work out a settlement or loan modification with them, but ca n't until I know what the real balance is .... not just an inflated amount they pulled out of their hat. At this point they just want to sell the home, and remain unwilling to comply with the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I arranged for a payment plan to make good on late payments and when I attempted to initiate the payments, Citi informed me the account was closed and they could not enforce any agreement. Over the last 2 years I contacted Citi via certified mail at the address indicated in my credit report to confirm the balance amount and to enforce the payment agreement and they repeatedly did not reply. Since this is in contravention of credit reporting standards, I have legitimately asked them to stop reporting the debt and no effort has been made to comply with my request. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Citi Thank you card ( reported 2 months ago ) does not reflect the true balance of the actual amount I owe. I have confirmed this with City. Please find the attached which will be mail to the office of the president. As it appears Citi likes to work at a glacial pace, I will be submitting the following which I have generated today. Having just spoken to XXXX in disputes, she did in fact say that the activities are more accurate than the PDF statements and that the PDF statements are sometimes 3 months behind with credits. 

I am attaching the activity spend of XX/XX/XXXX and XX/XX/XXXX. Reflecting a true balance {$4200.00}. 

Furthermore, I am attaching the PDF bank statements that show the discrepancy. LET THERE BE NO CONFUSION, THIS IS NOT A REVISIT INTO DISPUTES, FRAUD OR ANY SUCH MATTER BUT AN AUDIT OF WHAT WAS CHARGED AND CREDITED. 
FYI. ALL MY OTHER CITI CARDS PDF STATEMENTS MATCH THE ACTIVITIES REPORT. JUST FRUSTRATED I HAVE BEEN OVERPAYING NEARLY $ XXXX, OF CHARGES THAT WERE NOT MINE. 

Company response: Company chooses not to provide a public response
Consumer complaint: A derogatory collection account was made on my credit report after original creditor confirmed my insurance company HAD NOT cancelled my policy and they just forgot to bill them. I was told there would be NO collection action or derogatory marks on my credit report yet I now have a delinquent account. I have called Fidelity multiple times to try and get someone to help but they continuously transfer me to OTHER CONSUMERS by accident. The most recent time this happened was TODAY when I was transferred to another consumer named XXXX XXXX who had also been trying to resolve a matter with Fidelity that was very similar to mine. In addition, for the past couple of weeks, I was getting calls and voicemails from a person looking for someone named XXXX. It turns out the person calling me is XXXX and she was looking for Fidelity as well. She was being transferred to me by Fidelity employees. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have done multiple disputes against a XXXX XXXX XXXX account that shows delinquent status. Transunion is the only credit reporting agency that shows incorrect information marking my account as delinquent. I have disputed this directly with XXXX XXXX XXXX through XXXX and they responded stating that the information is correct on their end. They are NOT reporting any delinquencies during the time the account was opened with them. Please dispute the delinquency on the attached Mortgage account. 

Company response: Company chooses not to provide a public response
Consumer complaint: We missed a couple payments on our HELOC around XX/XX/XXXX. We were attempting to short sale our home. We stabilized and began making full monthly payments around XX/XX/XXXX but did not get the arrears caught up for 10 months but we made full monthly payment for the full monthly amount due. The company reported to the credit agencies that we missed XXXX payments. They said they had the right to do that because the arrears where not current. They kept applying the new payments to the ones in arrears and reporting late payments for the current months we were paying. Do we have any protection from the law regarding this and if so what is the legal statute, where can I find it please? Thank you. 

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