AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have not received report from information been disputed. 

Company response: Company chooses not to provide a public response
Consumer complaint: the social security number is wrong on my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: A case was filed against me in XXXX County Georgia XXXX XXXX by XXXX ( XXXX ) for an alleged debt. I have not received any contact via mail or phone nor was I served any court documentation regarding this matter. I do not know the original creditor ( if any ), amounts, or the nature of the alleged debt. I also have no information on the type of court filing this may be. On XXXX/XXXX/15, I received my personal credit file which shows that I am in collections status with XXXX XXXX ( listed as a creditor ). 

I became aware of this matter when I received several advertisements via US mail from bankruptcy lawyers referencing a court filing against me ( please see attached ). These advertisements prompted me to investigate to obtain further information. I performed a public record search in counties surrounding XXXX, GA and found the court filing which listed the contact information for XXXX XXXX. I called on XXXX/XXXX/15 to inquire about this matter and a representative informed me that this account has been transferred to Frederick J. Hanna & Associates. I asked the nature of their business. The representative stated that XXXX XXXX is a debt collections agency and that no further information could be provided. 

I contacted the Frederick J. Hanna & Associates office on XXXX/XXXX/15 and spoke with a representative by the name of XXXX XXXX. I explained to XXXX XXXX that I did not have any knowledge of this alleged debt nor did I receive any contact or a written validation notice from his firm or XXXX XXXX XXXX regarding such debt. I also explained that the only notification I received were advertisements from bankruptcy lawyers referencing the court filing. I then asked XXXX XXXX to send me a copy of the original written validation notice, if any ; via mail to the address his firm has on file. XXXX XXXX then requested personal information ( social security number and date of birth ). I informed him that I would not provide such information without knowing the nature of this alleged debt. XXXX XXXX refused to grant my request to provide documentation and any information regarding the matter due to my not providing personal information. I written a letter to Frederick J. Hanna & Associates sent via certified mail on XXXX/XXXX/15 ( please see attached ). As of today, I have not received any contact from the firm. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Information has been requested several times from Experian and they are only sending delay tactic and not actually investigating the request. Information was requested XXXX times already. Mailed request the following dates : XXXX/XXXX/2015, XXXX/XXXX/2015 and again XXXX/XXXX/2015. 

Proper documentation was submitted as per their guidelines. 

Company response: Company chooses not to provide a public response
Consumer complaint: I work for a company that has a debt collector calling them. I answer the phone here and do not have anything to do with the companys debt. The debt is from 2013 and I was not with the company. They refuse to take my name off of the debt and threaten to take action on me and not the company because the company who gave them the debt to collect gave them my name. They have my name because I answer the phone. They call here everyday harassing me at work asking for me. the person who owns or sponsors the company is out on business and not available to contact them. Calls are continuous and are harassing. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Bank of America has shown XXXX XXXX XXXX XXXX late payments for XX/XX/XXXX 2013 and we have the proof from the account breakdown that the payments were made but improperly shown to various other areas in the account ... they refuse to take care of this problem as we have made numerous calls to the supervisor XXXX XXXX at XXXX ... w/little or NO results 

Company response: Company chooses not to provide a public response
Consumer complaint: We contacted Susquehana about refinancing our HELOC. The broker explained the eligibility requirements and the terms of the loan. One of the key factors was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of prime minus a .25 % discount for having a Susquehana free checking account with automatic loan payments deducted from that account. The broker explained there was a loan to value ratio ( LTV ) we could not exceed taking into account our primary mortgage. We explained that the purpose of the loan was to pay off the original HELOC which was $ XXXXand to have the ability to use the HELOC for home improvement and potentially a down payment on a second home. The broker told us that we were approved for a {$420000.00} HELOC and we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00}, that this number represented an acceptable amount within the acceptable LTV parameters. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. So we accepted the offer and closed on the loan. 
The first year of the HELOC payments were as expected. During the course of the year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that our loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceeded the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. 
The broker never explained that if the HELOC LTV ratio exceeded a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. Indeed, we did not use 70 %. 
We immediately contacted Susquehanna and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. 
At this point we feel that they maximized the loan figure for their own benefit. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then, it was too late and we are stuck with a higher loan we do n't need and with higher interest payments. In addition, we ca n't refinance because we would be stuck paying additional closing costs. 

Company response: Company chooses not to provide a public response
Consumer complaint: Plaintiffs, at all times relevant to this complaint are owners of the real property known as XXXX XXXX XXXX, XXXX, CA XXXX ( hereinafter " Subject Property '' ). 
Plaintiffs acquired a home mortgage refinance loan forthe Subject Property from lender, XXXX XXXX The mortgage loan was secured by a Deed of Trust executed on or about XXXX XXXX, XXXX. 
Defendant SELECT PORTFOLIO SERVICING ( hereinafter " BANKS '' ), is the mortgage servicer of the XXXX secured lien and the purported beneficiary of the Deed of Trust used to secure the mortgage loan to Plaintiffs to purchase the subject property. 
Sometime in early XXXX XXXX, Plaintiffs received a Notice of Default from XXXX XXXX XXXX after having bought the loan from XXXX XXXX. Plaintiffs have attempted to short sell this property under the government Home Affordable Foreclosure Alternatives program, but has been unable to do so. On or about XXXX XXXX, SELECT PORTFOLIO SERVICING issued a Notice of Default against the Plaintiffs after having bought the loan from XXXX XXXX XXXX. Despite continuous efforts for the Plaintiffs to apply for a short sale for the defaulted note, the multiple lenders involved have not cooperated to date and have continually put the property up for foreclosure auction without legitimately reviewing the Plaintiffs for a short sale. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a check from a person in CA. I deposited it into my Wells Fargo Checking account and is turns out it was a fraudulent check. I was supposed to XXXX XXXX this money to a woman I thought I could trust in CA. Wells Fargo released {$1900.00} from my checking account to XXXX XXXX. Then they determined that is was indeed a bad check. I was able to cancel all further transactions and XXXX is refunding my money. 
Wells Fargo, after many years of business with them, have decided to terminate my account due to this XXXX mistake. I have never deposited, nor tried to cash any fraudulent checks in my entire life!!! I do not believe it is fair that Wells Fargo is terminating my account. Nobody is losing any money, since XXXX is indeed returning the money. Since then, my Wells Fargo account is locked and I have no online ( or any other XXXX access to my account at all. This seems a bit extreme, especially when it was Wells Fargo who allowed the money to be transferred to XXXX XXXX before the check cleared. I had absolutely no idea this check was fraudulent! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Drive time charges its customers a convenience fee if you call or go online or into a store to make a car payment. Also they overcharge their customers for things like on star and car insurance but refuse to give a refund if cancelled? is this even legal? How many cars have they sold that within the XXXX year the tires went bad or it had some kind of mechanical problem. They are taking advantage of people who are trying to rebuild their credit and that 's just not AMERICAN of them! 

Company response: Company chooses not to provide a public response
Consumer complaint: i got the protection insurance on this account and the amount on my card was less then {$100.00} they keep charging me and never refund my money back and insurance protection never worked 

Company response: Company chooses not to provide a public response
Consumer complaint: HelloI would like to place a complaint againstDitech Financial llc. 
XXXX, PA. XXXXAfter receiving information from my prior complaint I need to expand it to include other parties. For reference previous case # XXXX. 
In XX/XX/XXXX I put an offer in of XXXX to purchase a short sale property at XXXX XXXX XXXX XXXX XXXX , OR. XXXX from XXXX XXXX XXXX. I Put earnest money down and had a pre approval with 20 % down. On XX/XX/XXXX XXXX XXXX XXXX countered with XXXX witch I immediately accepted and signed acceptance documents. On XX/XX/XXXX we were finally contacted and surprisingly met with another counter demanding XXXX dollars more for the property. Brining it to a total of XXXX. 
Unknown until my prior complaint XXXX XXXX XXXX had sold the lien to Greentree financial who has now merged with Ditech Mortgage Group. So as well as XXXX selling the property lien when they had an agreement with me I am finding that greentree / Ditech are being very unreasonable as well. My Realtor has sent a comparable analysis report for the area showing the inflated price is way out of line. I have photo documented the extensive damages and provided average repair costs. 
Both listing agent and my realtor have argued that this is unethical and unrealistic. But all this has been ignored by the lien holders involved. There has been little communication and no cooperation from the new lien holder Greentree / Ditech. I have read complaint after complaint about greentree / Ditech and do n't want to be just another complaint. I am looking for help on what can be done or I can do to make a difference. There is a number of properties in my area that have been vacant for years and now I understand why. 
Thank You for your timeXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, Wells Fargo had my checking account available balance listed as {$670.00}. I withdrew {$500.00} from the account, which left a balance of {$170.00}. The receipt generated after my withdrawal showed the available balance as {$170.00}. The next day, it was clear that Wells Fargo incorrectly listed my available balance too high and a downward adjustment was made. The lower balance appears to be correct. However, I was charged a {$35.00} overdraft fee for the ATM withdrawal. I should not be penalized {$35.00} fee because Wells Fargo incorrectly listed my available balance as too high. At the time of the withdrawal, there were no pending transactions that would bring the available balance down. As a result, it 's clear that Wells Fargo incorrectly calculated my available balance. The receipt generated after the ATM withdrawal in question will show a positive balance before and after the withdrawal. I ask that the {$35.00} fee be returned. 

Company response: Company chooses not to provide a public response
Consumer complaint: All of this started back in XXXX 2012 because my husband had surgery. We fell behind and we had requested to have our mortgage put into a locked in rate and in the HAMP program. They had us keep sending papers and nothing was ever done. Somewhere in the process our mortgage was sold from XXXX XXXX XXXX to SLS. Somewhere they had claimed we had a modification done. This was n't true, we had a mediation with the court and they were unable to provide us with this. They are trying to add {$100000.00} to our mortgage and want us to sign this for a house that is valued at {$120000.00}. This equals to $ XXXX.This is totally unfair and to me actual robbery in my opinion. How can they ask to add that kind of money to the loan. All we ever wanted was a lower rate. We wanted the rate to be lowered from 10 % to an affordable rate. Then we tried to hired an attorney because they served us papers and that scared us. So we do n't have her anymore. She was clearly taking advantage of us and all we ever wanted was to have the mortgage payment to were we can afford it. They are in the process of foreclosure and all we ever asked was for help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was tricked into applying for a private loan with peaks under the guise that it would be a part of my existing loans with XXXX XXXX. 

Peaks offers no provisions for a deferment and refuses to offer me any assistance with repayment, I 'm XXXX dollars in dept and XXXX dollars behind, since I was not able to make my payment, my account is now XXXX days delinquent. 

If they had offered a forebearence option or an income based repayment like XXXX XXXX does, I would not be in this situation. Their collectors are calling multiple times a day. 
Im having a very difficult time managing the XXXX this is causing. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Fraudulent charges caused by Citibank add on features. Impact of fraudulent charges affect balance, including interest and late charges. Account stated would have to be corrected for each month add on charges occurred. 

XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My loan has been serviced by Green Tree Servicing for over seven years, they just changed the name to XXXX but their customer service shows no improvement. My HO insurance premium is due on XXXX XXXX of each year but every year they pay it upon receipt of the insurance company bill, usually thirty to forty five days ahead of time and if I need or want to make any changes to the policy or go with a new company I must cancel the policy, wait fifteen days for a refund from the insurance company, return the refund to Green tree and in the mean time get another policy and pay it with my own money because the escrow at Greentree has already been debited for the premium. I have asked them to please allow me a few days to review the policy several times, the last time on XXXX XXXX, 2015 via email and I received an acknowledgment to my email on XX/XX/XXXX. Today, XXXX XXXX, 2015 I received an unsigned letter from customer service denying my request. I have contacted the Florida Division of Insurance on this issue and banks and loan servicing agents DO NOT HAVE TO PAY UPON RECEIPT way before the renewal date from the insurance company bill. I am a retired accountant who worked in Banking twenty five years and I know that Green Tree/XXXX is not being truthful. They display the utmost disdain for customers in terms of reply time and customer phone service. Please see if you can help me, they are hurting me financially by forcing me to pay a new policy out of my own resources in addition to all the paper work created by cancelling a policy, getting the insurance company to refund me the premium, having me return the premium to Greentree and then waiting until they pay the new or modified premium. By golly, if this is not stupidity I honestly do n't have a word for it. PLEASE HELP ME. 
Thank you so very much. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I want it to get a loan for a bigger house so I can expand my business, when I apply for a loan I was told I can not get a loan because I 'm behind on my mortgage payments, I found out the first time XX/XX/XXXX that Bank of America has issue a morgage on my name fraudulent in the amount of {$270000.00} in the city of XXXX, I have proof I have not had a morgage since XX/XX/XXXX, have done fraud alert on my credit, police report, called fraud department at Bank of America, nothing gets solved, they completely distroy my life, my credit, why do I have to pay for an attorney to take them to court and waiste my time and money just because Bank of America think they so powerful and they can do what ever they want, how do this gets solve, a victim has no right but a thief has more rights then anybody, I have a big family XXXX amazing kids we work all our life none stop to achieve a business and Bank of America gets away with every single fraud and unlawful process they do why? Why me as a hard worker wo n't be able to grow my business because of them, so far we have lost over XXXX, why why, we can not have any credit cards, I had to change my debit card XXXX times because they sold my info, why do I have to go thru this, please help us, please help us to get our life back .Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally submitted a request online at www.transunion.com to dispute a collection account on my credit report by XXXX XXXX, XXXX : XXXX XXXX. I was made aware of this collection account by a voice message left by XXXX XXXX in regards to collecting the debt. I contacted them by phone & informed them that I have never had an account with XXXX and that I never authorized anyone else to open an account in my name. I notified them that I was a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. This debt is not mine. I was never informed of my rights as a victim of identity theft. Instead I was told that since this was a fraudulent account, he did n't expect for me to pay the full {$860.00} and that he could go as low as {$350.00}. I was informed that XXXX XXXX buys XXXX & XXXX of these accounts & that they buy these papers to make money. They told me that if I dispute this with Tranunion, Transunion would send the dispute to them & ask if they will remove it from my credit & that they will say " no '' because they want the money. This is exactly what happened & Transunion closed my dispute stating it was verified. I do n't understand how Transunion claims to verify disputes by sending them to the collection agency & allowing the collection agency to have the final say. XXXX XXXX does not have any info regarding this debt except for my name using my Maiden name as the last name and my SS #. Also, per XXXX XXXX, this account was opened in XX/XX/XXXX. I 'm not sure how they were able to add this to my credit report with the Account Opening Date of XXXX. XXXX XXXX has called me a few more times still trying to collect the debt. They were also using scare tactics stating that they were going to submit this debt to the other XXXX credit reporting agencies even though they are aware that this is a fraudulent debt/account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Fox Collections has refused to provide enough information for me to certify this debt belongs to me. I requested Validation of this debt ( Acct # XXXX XXXX ) and my letter was received by Fox on XXXX XXXX 2015 by certified mail. Fox sent me a letter stating that they had verified my name and address ... nothing else sent. I have attempted to contact the original creditor on file, but they are now out of business and the new company is not servicing their old debt, nor has any record of it. 
Validation request was dated XXXX XXXX 2015 and Fox received it on XXXX XXXX 2015 ( see validation letter attachment ). Fox 's response was received XXXX XXXX and contained no detailed invoice and simply stated my name and the amount owed ( see attached evidence ). After speaking with the representative on the phone I was informed to sign and send in the authorization form at the bottom of the letter they sent. I did so on XXXX XXXX and still have received nothing in the mail. While speaking with the representative I located what I thought might be an EOB relating to the debt in question. The Fox representative and I both agreed that it was not and this EOB did not relate at all to the debt in question. I sent in a second validation letter dated XXXX XXXX 2015, received by Fox on XXXX XXXX 2015 at XXXX ( see attached USPS return receipt and XXXX validation letter attachment ). I have yet to receive a response to this letter. After reviewing Fox 's response and evidence to my XXXX complaint I can only concur that I was correct in my initial evaluation of this alleged debt not being mine because they can not provide me with further details from the actual company. The attached evidence that Fox provided on the XXXX website is from there own files and not the alleged original creditors ' database. 

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