AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In the XXXX quarter of XX/XX/XXXX, my credit score was impacted adversely due to a medical bill that was reporting adversely in error to the Credit Bureau. This bill was paid in full ; however, the medical provider posted the payment to the wrong account which resulted in the error. During this same time, I made a significant large payment to Citibank. Within days of making the large payment, Citibank reduced my Credit Line from what was over $ XXXX to my revolving balance amount. When I called about the reduction I was told it was due to my FICO. Between the medical bill and the CL reduction, my XXXX decreased over XXXX points. I researched the issue with the Credit Reporting Agencies and found the medical bill error. This was corrected on all XXXX Credit Reporting Agencies by XX/XX/XXXX. My FICO then increased over XXXX points. In XX/XX/XXXX, I had contacted Citibank about restoring the line back to the original limit since the reduction had effected my score as well. I was told that they could not give me a reason why and I would have to wait until I received a letter. I requested to escalate the issue and was told that no one could take my call. This is unacceptable and it is a bank Regulation to provide a reason for adverse action. I am currently making over $ XXXX a year with $ XXXX in income through a XXXX property.I have been actively paying down my accounts in the past year. I think that this treatment is unfair and breaking the Regulations set forth. I wish to have my credit line restored to the original limit with no intention to use, only to improve my credit score. I am in the process of buying a home and this issue is preventing me from obtain the best avaliable option. I have paid my account on time since opening the account over XXXX years ago and I have alway paid the fees associated. Please consider restoring the Credit Line and address the Regulation violation. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: I just want my credit report updated and accurate. i have bills that has been paid through Chapter XXXX bankruptcy XXXX XXXX XXXX Case XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for assistance for my mortgage with Nationstar and was denied for a loan modification on XXXX XXXX, 2015. The reason for the denial was due to an error in calculating my net income. I make tips and my tips are shown ( separately ) on my pay stubs apart from my base salary. Whom ever calculated my net income DID NOT count my tips which are also shown clearly on my pay stub. I appealed the denial from Nationstar by mailing in a written appeal via my attorney and it was confirmed received by Nationstar on XXXX XXXX, 2015. This was within the 30 day period in which I could appeal their obvious error. Nationstar never replied to me and upon having my attorney contact them today ( XXXX/XXXX/2015 ) they state my appeal was denied. My attorney asked them why no letter went out as a response to my appeal and the person who answered the phone simply refused to state why. My attorney advised me that this is common for Nationstar that they continually block people from review for assistance. They are now commonly NOT sending out the required responses and replying within the 30 day period required by law. I am very upset they did not reply to my appeal as they made an error that may cost me my home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Chexsystems reporting fraud from XXXX XXXX XXXX on my accounts were fraud was reported and case number from the FTC dated XX/XX/XXXX. I have tried to fax and mail copies of filed fraud and still no response. Chex Systems took the information from XXXX XXXX XXXX and is unfounded and investigated for fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: 5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH BANK OF AMERICA. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM 2.9 TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT BANK OF AMERICA HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED BANK OF AMERICA AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY XXXX XXXX HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH BAND OF AMERICA.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO XXXX WITH NO RESPONSE. 

Company response: Company chooses not to provide a public response
Consumer complaint: I told them that I lost my job and I will have another job by the XXXX XXXX. I lost my job on XXXX XXXX. I continued to make the payments until I could n't anymore like two weeks ago on XXXX XXXX I wasnt able to make payment and the have called XXXX time a day from XXXX different numbers and I have ask them not to call me until after XXXX XXXX and the man hung up and called me right back the name of the company is Easy Money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This account that i do not recognize was opened as a result of identity theft and needs to be removed immediately., continued reporting/collection of an account that was opened of because fraud 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not receive a statement via email from Macy 's credit card. As a result I missed a payment of XXXX {$35.00} ( the total balance on the account ). I was charged for XXXX late payments in subsequent billing cycles still without any notice that I had missed a payment or a monthly statement. I finally received a call after the XXXX missed cycle. The missed payment was also reported to the credit bureaus. 

I requested that they update the late payment report to the credit bureaus as I did not receive a statement or a late notice until after the second cycle. They refused to update the credit report. I also requested proof that they had sent me a statement or a notice of late payment via email. They stated they could not provide that proof. 

I never received notice of my statement or a late payment from Macy 's. 

Prior to this, I had a credit balance with them and have never missed a payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used Paypal to submit a payment to XXXX XXXX XXXX XXXX, for a car service on XXXX XXXX, 2015. XXXX advised me later that day that the payment had not been successful, and asked me for an alternative payment method. Meanwhile, Paypal confirmed that I had been charged the cost of the service and that the funds had been transferred to XXXX. To date, XXXX refuses to permit me to use their service because they claim there is a past-due balance for that ride. I submitted a dispute through Paypal, asking them to follow up with XXXX to confirm with them that the payment had been made or, in the alternative, to refund my payment so I could use another payment method with XXXX. Because of the limited functionality of Paypal 's dispute process, I used the dropdown menu for " Unauthorized Use or Transaction Error, '' since it was the only thing that seemed applicable. After all, XXXX does not sell a product for me not to have received or to have received a defective version. I opened the dispute on XXXX XXXX, 2015. On XXXX XXXX, 2015, without having apparently received any response from XXXX to several emails, and without having reached out to me at all beforehand, Paypal closed my dispute because they determined that the charge was not unauthorized. Paypal does not appear to have noticed that I never claimed it was an unauthorized charge, but rather sought their assistance in convincing XXXX that XXXX has already been paid. Meanwhile, XXXX refuses to communicate with me about this issue at all, and does not have a phone number available for contact so I can speak to a real person to resolve my issues. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Regarding : Cornerstone Home Lending XXXX XXXX XXXX, NJ XXXXWebsite : XXXX Account Overcharge : Cornerstone Home Lending is the servicer of my home loan. I made my XXXX payment on my new construction home in XX/XX/2014. My local bank sold my loan to Cornerstone soon after I closed on my loan. In XXXX, The XXXX County, TX Appraisal district Chief Appraiser came to my home, measured it and gave me an estimated tax amount. In XXXX of XX/XX/2014, Cornerstone paid my taxes of {$2400.00}. Since I had been paying an " estimated '' amount of {$500.00} / month since my XXXX payment, Cornerstone sent me a check for the overage in my escrow account of {$2400.00}. They still kept 2 months worth of escrow for a " cushion '' which I know is acceptable by law. But, Cornerstone DID NOT ADJUST the taxes part of my escrow. Cornerstone claims to have done an " Analysis '', but that is not true. Cornerstone never contacted anyone at the tax office. I have been calling and requesting this to be corrected since XXXX XX/XX/2014. I have been in person to the Tax Appraisal District in XXXX XXXX, TX and verified my total land/property taxes. I have sent the documents from the tax office, with tax office phone numbers and contact info. to prove to Cornerstone they are in error. I have faxed these documents approx XXXX times. I only received an email recently after all this that said, " the tax documents you sent were for land only, and when my house is added the taxes will go up ''. This is foolishness. The value of the home is clearly shown on the document, along with the homestead exemption value. I have requested that Cornerstone correct my escrow payment amount and refund my current overage Immediately.My taxes and Hazard Insurance = {$2400.00} + XXXX = {$3500.00} /12 mos = $ XXXX month. I am paying {$500.00} /month for no apparent reason. Can you please help? 
thanks, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Good Night, My name is XXXX XXXX. I am financing a XX/XX/XXXX ford XXXX with XXXX XXXX in XXXX Fl. The branch in XXXX recently closed down so we have been dealing with the francise in XXXX for payments. On XX/XX/XXXX called to make my biweekly payment. My sister and I typically split the bill in half. XXXX was the agent I was dealing with that evening. I asked her to verify if a card was in their system as she verified I realized she was asking if I wanted a confirmation email. She had already charged the full amount to the account and on a card that I did not verify. When I told her that her response was rude. She immediately began to blame me for being at fault. She was very unprofessional and unapologetic. She even hung up the phone on my sister and I when we called back to find out what she could do to fix this inconvenient error. We then called back and spoke to XXXX hoping he would provide insight on how to file a complaint and get in touch with headquarters so that the recorded phone call could be reviewed. He told me that he had no contact info and that they were corporate. He started telling me that he heard what happened and that I was at fault for the situation at hand. I am frustrated at the customer service I received that day. I have contacted BBB, FFR, and the Fl attorney general. I dont feel I should be stuck doing business with a company that has no respect for me and such callous disregard for mistakes made to customers. 


XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, I received a call from an XXXX number on my cell phone and since I was at work, the call went to my voice mail. My announcement on my voice mail, starts by identifying myself by first and last name. This call came in XXXX XXXX. At XXXX, I received a call from my father, saying XXXX had contacted him stating they have been trying to contact me and they think I must of changed my phone number and address, then asked how to contact my daughter-in-law, who I had given them permission to call and discuss any payment problems with ( the loan is in my name and my son and daughter in law make the payment since they drive the auto ). My dad, being XXXX years old, panicked and called me thinking something was wrong. XXXX minutes later at XXXX XXXX, I received a call from the son on my deceased girlfriend, saying he had received a similar phone call, but they only stated they have lost contact with me and wanted to know how to reach me. I have had the same phone number for about 17 years, and the same address since I purchased the auto where I receive my monthly statements and all other correspondence from them at. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a refinance of my home mortgage with XXXX XXXX XXXX ( company based in Arizona ). I started this process in XXXX of 2014. To date, they have failed to complete the transaction. There have been multiple issues along the way. First, I was told that I would be able to combine my XXXX and XXXX mortgage at a rate of 4 %. After being told that, I started the application process. Shortly after that, I was told the combined loan was not available because I have made a withdrawal from my Home Equity Line of Credit ( HELOC ) in the last year. I had disclosed that fact prior to this time and I was told that an exception would be made because the overall balance on the line of credit had decreased over time ( in other words, I had paid back more on the line that I had taken out ). Even still, I was denied the original offer ( made by XXXX XXXX ). We then proceeded to refinance my primary loan to a rate of 4 %. During this process, there were delays on the part of XXXX XXXX XXXX. They failed to clear their own XXXX XXXX in a timely fashion that resulted in the appraisal of the subject property to expire. By that time, the lender in question had rescinded their offer of 4 %. Instead, a rate of 4.25 % was offered. I was then told that a second lender ( XXXX XXXX ) had offered to refinance the primary loan at 4 %. The process was started again, with a XXXX appraisal. As of today, I was told that upon final review before closing that 4 % was no longer available. Again, I was offered 4.25 %. 

The whole process seems fraudulent to me. A way to delay the process such that loans with best rates are delayed so that they are cleared to close only when rates go up. How can a company take 7 month to process a loan? 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I currently hold the security deeds on my home, my husband is on themortgage loan. The Lender receives payments from me, the Lenderhas received written notice to release and forward all correspondenceto the borrowers spouse. The mailing address is the property addressthe lender refuses to acknowledge the request for mailing, due to aproperty damage insurance check that was withheld during a collaboratedprocess of timing with the insurance company to enforce a non-judicialforeclosure on my property. The Lender refused to adjudicate a mishandlingof the property damage claim check, from the insurance company bank andthe XXXX lender who was discharge in bankruptcy proceedings, holdingthe check promoting harassment and withholding information to claim viabanking policies and inside employment collaboration. The continuation ofthis situation between the mortgage companies and the insurance companybank, clearly instigate RED LINING. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex-wife has charges from ministry health care that she has not paid. These charges were incurred by her after our divorce was final. XXXX XXXX XXXX has not made any attempt to contact me or collect from me regarding her account. XXXX XXXX XXXX has put her account in collections with Alliance Debt Collectors. She still wo n't pay so Alliance has sent letters to me saying I owe this debt and they have reported it to the credit reporting agencies that I am a co-signor on her account and it is in collections. I have informed Alliance that it is not my debt and asked for verification. They sent a reply that does show my ex-wife owing this debt but not that I owe it. Last letter from Alliance is that they have been authorized to refer me to Attorney to be sued. A few days later a letter from Attorney XXXX XXXX XXXX arrived that he has been authorized to sue me unless I contact Alliance and pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. 
My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. 
I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. 
My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. 
I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. 

I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. 

Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: my credit score has been XXXX for over a year and the past 7 months nothing has changed dramatically to warrant a NEW SCORE OF XXXX? Are you really doing this to me Experian? I am a member that looks and updates my report daily so this significant drop in my score needs to be explained .... NOTNING NEGATIVE HAS BEEN ADDED TO MY REPORT SO WHATS GOING ON WITH MY NEW SCORE THAT HAS DROPPED ME TO A MEDIUM RISK FROM A LOW RISK TO LENDERS AND WILL AFFECT MY LIFE IN A BAD WAY ... .I DONT DESRVE THIS XXXX ... .. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told I was preapproved for a Car loan/refinance on one of the Bank of America branches and was encouraged to apply. Prior to beginning the application I asked if it the inquiry would affect my credit score. I was told that because it was just a inquiry to confirm my identity it would not affect my score. I also asked if I would be able to refinance even though I had taken out the loan with my mom ( who is a cosigner ) and the car was registered under her name and the title was also under just her name. I was told that as long as my name was on the car loan I would be able to refinance. After getting approved and spending over 15 hours on the phone my current BOA loan costumer service obtaining all the information they had requested, I was told by a different representative prior to final submission that because I was not on the registration or the tittle of the car ( because the dealership did not include my name ) I would not be able to refinance. I explained that I was told both at the bank and through the phone by previous loan representatives ( which was recorded on their recorded line ) that all that was needed was for my name to be on the loan to be able to refinance the car loan. After speaking with a manager and explaining the situation ( and the fact they had the conversations with BOA representatives on recorded lines stating that all that was needed was for my name to be on the loan to finalize the loan ), the manager stated that there is nothing they can do on their end and I would have to either reapply or make it a third party purchase which would end up being more interest and higher payments on my end. I attempted to update the tittle, however, that takes over 3 weeks and the approval was only valid for 30 days. I also found out that the inquiry had indeed lowered my credit score as it showed as a credit inquiry on my credit report. I was extremely upset at the fact that I was misinformed and that most of the staff was not well trained and this ultimately led me to have an inquiry on my credit report, with no loan to show for. All they were able to say was they they apologize for the misinformation, however, I feel I should not bear the cost of their neglectance in staff training and procedure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I personally have not opened a bank account with Bank of America. I have not made any transaction on a Bank of America account. I have not called or interacted with any representative of Bank of America to open the account that has been reported with my name. There are no other accounts anywhere with my name other than this account that is currently being reported on the Consumer Report bearing a balance that is due which I had no knowledge of nor did I participate in incurring. I found out about this account when I went to Bank of America inquiring on the opening of a XXXX Account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid a {$50.00} annual fee for my US Bank XXXX XXXX Platinum Visa Card and the cardmember benefit statement stated as one of the benefits " bonus award night exclusively for card members ''. I have now learned that this benefit is being removed from XXXX XXXX, 2015 without any fee refund or grace period to use the benefit until the anniversary of the fee having been paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified. 

Company response: Company chooses not to provide a public response