AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was making some disputes on my credit report. I sent an envelope with various accounts listed on individual papers to Experian on XXXX XXXX, 2015. On XXXX XXXX my former landlord sent me a package that she received from Experian that included the dispute I made against her as well as disputes I submitted for other accounts ( credit cards, collections, medical etc. ). Experian violated my privacy by forwarding personal information including full account numbers to a third party. I was exposed to identity theft due to their carelessness. I have a copy of the entire package that was sent to my former landlord including a photo copy of the envelope it was sent in. My disputes have gone unresolved and now I have this to worry about as well. I am trying to improve my credit but Experian has failed me horribly by exposing me to additional privacy concers 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called Forster and Garbus filed paperwork with local courts 2 years ago, getting a default judgement on me, when I told them the loans they are collecting on, for XXXX, were in fact not mine. Worse yet, they refused to show my court documents to the court, never told me of a court date and my answer to their complaint was never given to the court. As a result, they go XXXX default judgements against my name, with a false co-signer and have been garnishing my wages for a year and a half. I want this money returned, I want these garnishments lifted and I want them to re-open these cases at no cost to me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a primary home loan from XXXX located on XXXX XXXX in XXXX XXXX California. The loan balance of {$66000.00}. Also, we have a Home Equity loan from Bank of America. XXXX is trying to refinance our loan on our home, and Bank of America is not allowing them to refinance the loan of {$66000.00}, because they are not releasing the subordination. I have been a loyal customer of Bank of America since XX/XX/XXXX. All my family members have accounts at Bank of America and I have also a business account. We have also the rental property and my XXXX property with total equity of over XXXX. 

The refinancing will save us {$1000.00} in monthly Mortgage every month, which I can use to pay our debt. 

I made a written appeal to Bank of America, Subordination Department. However, they did not respond to my appeal. 

My husband is XXXX years XXXX. He underwent XXXX XX/XX/XXXX. Refusal by your bank to allow refinancing has affected his health and he is in distress. According to federal Government rules, people should be permitted to refinance the mortgage. 

I would like to ask request to help in this matter. 
Thanks, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was finally provided a loan forgiveness from Bank of America of {$120000.00} in XXXX 2015. I was also given a letter from Monitor of the Bank of America Mortgage Settlement stating that Bank of America has set aside {$490.00} XXXX in funds for tax relief for those of us that receive a loan forgiveness from BoA. I am now sitting with my taxes and seeing that I owe over {$40000.00} in State and Federal taxes due to the loan forgiveness. I have attempted to contact the XXXX but they have stated they are no longer providing tax relief. I have gotten no further information on how to access these funds. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The collection agency contacted my XXXX friends trying to find me for several months until I blocked on account. When I got hired at my new job in XX/XX/XXXX, the collection agency was calling my coworkers and my boss in trying to find me. The collection agency is charging me {$60000.00}. 

In XX/XX/XXXX I was fired from my job. During the summer of XX/XX/XXXX my XXXX friends starting messaging me that are being harassed by phone calls from a woman " looking '' for me for a job opportunity, and if they knew how to get a hold of me. These were people I have not seen since high school. On XX/XX/XXXX I was hired at my current job. I was on a XXXX month probation period until a permanent hire position. In XX/XX/XXXX, my co workers and my Boss got phones from a woman looking for me ... ... ... this XXXX me out!!! and was in fear of being fired. This harassment went on for XXXX months. 

In XX/XX/XXXX, I was notified by my employer my wages were being garnished and my federal income tax refund was garnished. I have spent many hours and days on the phone trying to talk to someone and get original paperwork. XXXX of the reasons not to garnish my wages was if I was at my job less than a year and was fired from my last job. I sent them proof of my paperwork on XXXX cases XXXX times!! and they denied ever getting it. 

Company response: Company chooses not to provide a public response
Consumer complaint: we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving harassing threatening phone calls from a company called XXXX phone number is XXXX. Telling me they are suing me on the behalf of a EZ Corp payday loan. That they are coming to my work and home and calling my boss and relatives. They have already called my husband twice. I told them I do not recall ever making a loan from ez corp. what can I do to stop this? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I had a suntrust bank account a year ago. However upon getting a check and placing it in my account my account was locked and I was notified by the bank it was because I had place more money in my account then normal and they had to check for suspicious activity. I had no problem with that .i would say about a week or so later I got mail stating that my account was closed due to this and that they were going to reissue my funds. I got that specific check mailed back to me and I was told that I could cash it at another place .i took that check to be cashed at XXXX .where I waited for about a hour for the young lady to tell me that she could n't cash it and no one else would be able to go back to suntrust to cash the check. I was never able to cash it and I 'm frustration I just gave up .fast forward to now I wanted to open a bank account with XXXX XXXX XXXX . I was approved and told I was going to get my card in the mail .before I even got my card I got a letter stating my account was closed .when I called to inquire why it was closed so abruptly without me using it I was told that it was due p fraudulent checks which I was bewildered about because I never had placed any funds into this account and I never obtained a XXXX XXXX XXXX account . I then tried with XXXX XXXX with no avail but being told the same dilemma .while having a suntrust account o never was told of this and now I ca n't open up a account anywhere until the issue is resolved 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company has taken me to court and placed a judgment on my credit.The company name is XXXX ( XXXX ). I did obtain a credit card with this company, and had a debt with them years back. I purchased an additional plan with this card in the event where if I was unable to pay I would be protected. The charge purchased items on this card came to about a little over XXXX. My payments were XXXX dollars a month, and it did n't seem like the payments was going down. There were a period where things got behind. so then I began to use the plan that I purchased where it only benefit was for me to only pay half of XXXX dollars a month. Again no monies toward the principal. Making payments toward nothing seem like a trap you ca n't get out of. The worse feeling you can ever have, so when I stopped making the payments they filed an judgment in the XXXX county courts. I went to court and I agreed to only do XXXX dollars a month to their Attorney. ( XXXX ) that did n't work for me as well as I thought it would, so I loss track and contact to where and who to send payments. That is when they proceeded to garnish my check for a balance over! XXXX. the garnishment took about Three months to complete, And they have collected all of their money. the account is paid in full. It is still on my credit as an open account as well as a judgement. I do not think this company should continue to report this on my credit report after all I had to go through with them taking me to court and garnishing my payroll check for this extremely high rate credit card XXXX. My credit will never be the same for this mistake. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am disputing with Transunion certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Transunion to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: allowing companies without my permission to pull my report 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The credit bureau would not properly investigate the public records that are not mine according to the State of XXXX Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for XXXX XXXX Bankruptcy since XX/XX/XXXX which was discharged XX/XX/XXXX. During the bankruptcy period I was paying my first and and home equity line outside of the bankruptcy. XXXX XXXX XXXX Mortgage is my mortgage company which I had no issues with ; they sent me " informational statements '' each month which kept me informed of balance interest etc. However Green Tree never sent me informational statements although I had requested many times. I was always promised they would come but time and time again did not receive. Even now after a year since my Bankruptcy has been discharged I have not got XXXX statement. I was never informed Green Tree is now Ditech Financial LLC. I realized after receiving my Form XXXX Mortgage Interest Statement in XXXX XXXX and XXXX Green Tree to determine Green Tree is now Ditech. Both Green Tree and Ditech failed to provide me proper documents to inform me my loan was sold or transferred from Green Tree to Ditech. Both companies failed to comply with my request for informational statements while in Chapter XXXX. Both companies failed to provide monthly statement of my balance, monthly payment amount, interest I am paying ( adjustable ) verification of payments received and loan balance even after my repeated request. 
With out knowing my current current interest amount I was unsure if getting a personal loan would be beneficial. Ditech Financial LLC ( formerly Green Tree ) has caused me much time and stress. As of today, 1 year since the discharge of my Bankruptcy I still have not received a Statement. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I received a call from on XXXX/XXXX/2015 from a female asking me my name and address. She did n't state where she was calling from. I returned the called and learned it was from a Receivables Performance Management Collection Agency. She stated that I owe a family mobile bill, but the account had a different last name than mine. I 've been with XXXX for over six years. Therefore, I do n't owe a family mobile bill. I have n't received a letter from them stating that I owe a debt, but calls stating that I owe a debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX and have had a mortgage with Wells Fargo since XX/XX/XXXX. I spent most of XX/XX/XXXX and XX/XX/XXXX XXXX. I have also XXXX since XX/XX/XXXX but to keep it easy lets just focus on XX/XX/XXXX and XX/XX/XXXX. A few months ago I found out about the Servicemember Civil Relief Act ( SCRA ). When I spoke to Wells Fargo they said that since I was in the XXXX before I received a mortgage so SCRA does not apply to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 2015 I received a phone call from the Macy 's fraud department concerning fraudulent charges on my Macy's/XXXX credit card . I told them I did not make the charges and I filled out a fraud complaint/affidavit attesting to this. Since then, they have sent me numerous bills and no follow-up on the fraud complaint. I have not paid any on it, because I was told that would be admitting liability. I have called the fraud department numerous times and they are not willing to help me. Recently, they closed my account and unbeknownst to me, my credit score pummeled. They are now in the midst having a collector contact me. I did not make these fraudulent charges and Macy 's has been aware of this ongoing problem, but were never willing to help me with it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I purchased a home in XXXX, GA, as an investment. I initiated renovations on the home and as I improved the property in hopes of renting the home, it was repeatedly vandalized and expensive items were taken from the property. These crimes caused me to not be able to complete the renovations and subsequently pay the mortgage. The lender, Bank of America, in XXXX notified me of foreclosure proceedings and since I was out of state, I could not monitor the property. The bank winterized the home, boarded up the windows, and placed a for sale sign at the front of the property. In XXXX XXXX, I was notified by XXXX XXXX XXXX XXXX XXXX to clean up the property to avoid a citation and fine for non-compliance for the upkeep. Upon further investigation, the County still listed me as the owner of the property and Bank of America never recorded a transfer of the title. After a laborious effort in trying find answers from Bank of America regarding the property, I was told that they confirmed the property was foreclosed upon and I would receive notice in the mail. In XXXX XXXX, Bank of America sent me a release of debt for the property rendering me responsible, to my surprise for the previous five years of property taxes. Today, as I am now aware I am the owner, the property taxes and penalty fees are more than the value of the property and prospective buyers are not willing to buy the property for obvious reasons. This practice by the bank appears to be a common unscrupulous act that I am now a victim of to include the municipality for not receiving it 's due taxes. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've sent Experian XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Experian takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a general complaint to the South Dakota XXXX about how my payment was not taken out on time and I did not want any added fees or interest added to my account because the company chose to pull out my automatic payment 4 days later. Advance America responded to my complaint with specifics of my loan amounts, payment schedules and amounts of schedule, and types of loans to the third party ( The XXXX ). I never specified my amounts or payments. This information was disclosed in order to embarrass me publicly since the information is public record. XXXX CASE # : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I field a complaint due to inaccuracies reported on my Credit Report. The inaccuracy had negative effects on my score and consequently on my relationship with said creditor and others as well. I was unable to funding with creditors. 

I requested that the item be removed if the inaccuracy was verified. 

The inaccuracy was verified. Proof of the inaccuracy is that the Credit Reporting Agency made an update to my account. 

The acceptance of inaccuracies on my report due to my dispute should have the consequence petitioned on said dispute. The inaccuracies have had negative effects which need to be repaird as asked for in the dispute ; Removal of Account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast XXXX on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full XXXX XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. TransUnion even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular TransUnion ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I mistakenly took a {$650.00} loan/payday loan which the lender describes as an installment loan on XXXX/XXXX/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My complaint is very simple not gon na complaint about XX/XX/XXXX when I lost my job or XX/XX/XXXX when my mom had a XXXX or XX/XX/XXXX when mom came down with XXXX or the recent loss of my grandpa who was like a father to me and Citimortgage refused to help My complaint is that my credit has been damaged to the point it is very poor and I do once or twice a year have fallen behind and made my payment on XX/XX/XXXX as always however there has been plenty of times like once they lost my check while in California taking care of my mom XX/XX/XXXX I took the bad mark other times I 've paid at XXXX my time according to them if the payment is not in their system by XXXX pm their time I am late and those reporting have hurt me so bad I ca n't get a job I get turned down for credit that I need to fix the rest of my home a home that has XXXX bathroom working out of XXXX a kitchen with mold and because my insurance did not pay I am living with that in the house I am always XXXX I take XXXX I need Citimortgage to drop off all the late marks on my credit report so I can go on about and not have to be late on my house payments because all I have is cash and my hands are tied 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount owed 

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