AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report because they agreed the amount was not owed based on circumstances. Although I have communicated numerous times with the collection agency they continue to attempt to collect the debt and refuse to delete the derogatory collection item that was placed on my credit report with all three credit reporting agencies. To date I have not received any letter from the collection agency providing me with an opportunity to dispute the validity of the debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage lender Regions Bank, XXXX GA, violated the FTC Safeguards rule by sending my entire loan application with account numbers and social security etc via unsecure email attachment with no password protection after I asked them to fix secure transmission and explicitly told them not to email the application with no protection. FTC website sent me here. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am Low Income and on XXXX. I telephoned Delta Management collection agency to inform them that I would like to rehabilitate my loan. First they tried to talk to me into a discharge. I explicitly informed them That was n't my best option and I knew my rights. this went on seemed like XXXX minutes and they finally agreed to send me paperwork for rehabilitation. So I gave that seven days for that to reach them by post mail. I called them and they chose to give me the run around again. I then had to call XXXX because somehow my account was suspended for XXXX days. they said I had to call XXXX. At which point I did and XXXX was even fruststrated. XXXX then told me I have the right to do whatever I would like to do in regards to my loan. XXXX then directed me to call the department of education inorder for the XXXX to contact delta management to get my rights addressed and my loan rehabilitated. Now the D.O.E just tells me that XXXX XXXX can take care of everything I need to rehabilitate the loan and that XXXX XXXX are the ones who have the right to choose not to honor the suspension and go ahead rehabilitate my loan. So I called XXXX XXXX and was hung up on mid conversation. I then got in touch with a supervisor haworth who told me I had to call XXXX or the department of education. called everyone twice and they all had me calling the other .wether it be XXXX, XXXX. or Delta Management. This went on for over an hour and still nothing is resolved. So I then get back on the phone with XXXX and they give me an address to D.O.E to write them a letter to get off a XXXX discharge program. in which I never wanted to be on. they say it 'll take XXXX days for that to go through. I just wanted to rehabilitate my loan. 
I spoke with XXXX XXXX at DELTA MANAGEMENT Associates XXXX XXXX is also with Delta Management Associates on my File. 
I spoke with XXXX XXXX at XXXX. debt colections division and she tells me just send me the agreed amount of rehab payment. with no rehabilitation aggreement .And it is my understanding XXXX. can not accept any monies unless it 's full amount of loan once it is in possesion of collection agency. I Informed XXXX XXXX that i was contactiong CFPB and she says to me well let me write a little note about advising me that I can hust sent the rehab payment amount to them YOU DO NOT HAVE A DESCRIPTION OF MY ISSUE. But falls under Communication Tactics. Dis regard frequent or repeated calls to me by them. But I am the one who made repeated calls to them 

Company response: Company chooses not to provide a public response
Consumer complaint: Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this is the only chance to talk or there would a judgemental against me in the morning. I asked if the call was being recorded and she got mad and called me uncooperative that she did not have do put up with this that 's she had what sounded like hospice at home and she didnot have to pUT up wits this I replied that i am wan ting to hand let what eversion i owe bUT wold lIke proof of some kind. She got mad and saI 'd if i dI 'd not pay she wold be getting a judgment agains me and cost me more.She said you need to make pay what you owe this would n't happen. I tried to make a deal paying half and making payments on the rest and she a I 'd no that that option past when I did not respond to letter. I said you sent letter to another address and you have correct address and did not send to it. She got mad and hung up saying I would be getting sued. That she new available amount on my bank card wanted payment Another XXXX called back and work a one time payment out after more scare tactics leaving me unsure if I did right by paying. While waiting at bank to clear money another person called my wife 's phone to see if we where going to pay XXXX her We both were aafraid of getting account seized 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice from Credit Bureau Associates ( CBA ) on XXXX XXXX, 2015 regarding a debt that is not mine ( {$3000.00} ). I checked my credit score, and it already had shown the negative mark for this debt. This is the first time I had heard of the debt. The debt is not mine, and I had no knowledge of the debt or the service prior to the letter from CBA. The letter references a XXXX XXXX, in XXXX CA, which I had never heard of. I first called the Federal Trade Commission ( FTC ) to find out what to do. They said to dispute the debt, and that the company would have to produce evidence within 5 days, or I could file a complaint. I called CBA on XXXX XXXX, and no one answered, so I left a message, with details and disputed the debt. XXXX XXXX ( from XXXX ) returned by call on XXXX XXXX, at approximately XXXX ( the call was recorded by CBA ). I confirmed my dispute of the debt, and requested their evidence. XXXX said that their evidence was from DMV, and that it would be sent to me within 5-10 business days. I told her that I expected it in 5 days, because that is what I understood to be the law. I confirmed my current address and phone number to CBA on that call. Since that time I have received, or heard, nothing from CBA. I sent a letter to CBA on XXXX/XXXX/15 describing the above, and again requesting evidence of the debt. 
I also called XXXX XXXX, in XXXX CA, on XXXX XXXX, regarding this notice. They said that they had sent all of their files regarding this account to CBA, and that they would call CBA on the same day and get back to me. They said that it would be faster for them to contact CBA, and hear back, then it would be for me. They said that their evidence was from DMV that I owned an XXXX Suzuki motorcycle that they had towed and still had in their possession. I have never owned an XXXX Suzuki motorcycle, never had a motorcycle towed, and never heard of their company, and I told them that. I called XXXX XXXX two days later to follow up. I never heard back from XXXX XXXX either. I sent them a letter on XXXX/XXXX/15, describing the above, and disputing the debt and requesting evidence. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: The account with The XXXX XXXX ( XXXX ) is not mine. It is someone else 's who added me to their account. I do not have a card nor have I ever used the credit. Therefore, any delay in the other person not paying their bill should not be added to my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm am a XXXX veteran, My home was foreclosed XXXX XXXX, XXXX. I have the copy of the Deed Under Power of Sale. Recorded in XXXX XXXX, page XXXX of the XXXX County, XXXX, deed records. 
The address to this property is : XXXX XXXX XXXX, XXXX, XXXX. XXXX. This trade line should have been deleted XXXX XXXX from my credit reports. I been inform that this trade line will remain on all XXXX credit reports until XXXX XXXX. The company 's name is : Select Portfolio Servicing Inc. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 
Select Portfolio Servicing has falsified documents, stating that I had paid them after the home was sold XXXX XXXX, XXXX. The original creditor : XXXX XXXX. Subsequent creditor : XXXX XXXX. This Loan was a predatory loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Incorrect addresses and Phone numbers on transunion. They would not help me. They validted my identity by phone but put a hold on my acct. online, Customer service person would not give me and reference info on who she was : Name, I 'D. or location. I asked for supervisor and was put on hold and then hung up on. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not a valid address for me. I have never been to XXXX XXXX XXXX XXXX, XXXX, XXXXA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX are not valid addresses. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX co-sign load for my son XXXX XXXX. Set up paper work. 
Loan wat to start after he got his first job. Paper work took very long time. This is with XXXX XXXX XXXX. We XXXX sign the loan. 
They said due to it took so long. We would have to sign load 2nd time. So we did. They What the did not say is the loan was changed the load so payments would sartin 30 days. Did not know this and had to pay penalty. 
Then I find out Suntrust went into my account and set up autopay. 
I am the cosigner. They did not ask to do this. I let it go. But next payment did not come out. Now they want me to pay for late chargeagain. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX I submitted XXXX questions via PennyMac Message Board. ( XXXX and XXXX ) They refuse to answer the questions directly and specifically. Except to tell me they already answered it or call customer service which is not acceptable. 
I would like a specific answers please:1. Is there a past balance due? If so, how much and please submit proof and supportive documentation. 

2. Is XXXX payment still due? A payment under the transaction amount does n't show for XXXX, although escrow and principal balance is credited for XXXX. The payment paid {$1000.00} and posted on XXXX/XXXX/2015 was for XXXX 2015. 

3. Is there a reason why the principal balance did not change from XXXX to XXXX after XXXX 's payment was credited? {$180000.00} XXXX {$180000.00} XXXX. 

4. Is there an escrow balance due and if so, how much? ( 2015 escrow is {$1900.00} ) Please answer each question which is XXXX questions, so there should be XXXX responses. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have successfully completed a trial modification program with with first mortgage holder - XXXX/XXXX XXXX. As a pre-condition for receiving a final permanent modification, my first mortgage holder is requiring the XXXX mortgage holder - SHELLPOINT MORTGAGE SERVICING - issue a subordination agreement. Shellpoint acknowledges that its equity position is not being affected by the permanent modification nor the requirement for a subordination agreement. Shellpoint makes the vicious and unsubstantiated claim that " it is not needed. '' This claim is vicious because : Shellpoint agrees that its position is not affected AND it 's failure to issue a subordination agreement will result in the fact that I will lose my home in a foreclosure sale. Shellpoint is the sole and only reason for my inability to finalize my permanent modification agreement. Shellpoint 's actions are without justification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to start a dispute with Experian but they refuse to give me my report or answer the phone. Because Experian have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Experian are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is XXXX times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over XXXX hours on the phone with XXXX or some such place telling the same story over and over again to people who hardly speak English and have no idea about the XXXX postal system. Eventually I got connected via XXXX back to the XXXX and had to start all over again. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a Bank of America credit card holder for about XXXX years ; after XXXX years of paying my monthly payments on time ( sometimes few days late ), on XXXX XXXX, 2015 I paid my balance in full. On XXXX XXXX, 2015, Bank of America sent me a letter announcing that Bank of America Card Services has closed my account due to my FICO score!! Clearly Bank of America was not concerned about my FICO score when they were extracting high interest from me every month ; however, as soon as I paid the balance in full my FICO score became an issue. Needless to say my credit score has been adversely effected by this action. Is this legal? Is this fair? 

Company response: Company chooses not to provide a public response
Consumer complaint: I found a {$35.00} collection record in my credit report from XXXX back in XXXX 2014. I never received any notices or phone call from them. After a conversation with them, they said the only way to get it out of my credit report is to pay it off. I did pay it off as requested and just found out today that they still have it in my record. I attached a letter from them for your review. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently fell behind on my student loan payments with Citibank. When I was going to be one month behind, I had made proactive phone calls to tell them about my situation to come to a payment agreement, but no offers or assistance were offered to me. I was told to just make a payment when I could and to expect to receive phone calls until then. When I realized I was going to be two months behind, I called again to request a 60-day forbearance ( no payments for XX/XX/XXXX or XX/XX/2015 ), resuming payments in XX/XX/XXXX. I was approved, and the paperwork was sent to me. I faxed my application and received my confirmation. My confirmation stated the dates of my forbearance were for past dates and that my next payment was due in XX/XX/XXXX. 

Customer Service did nothing to help me. They told me that my forbearance started the day after my most recent complete payment, and that because my XX/XX/XXXX payment was behind at the time of the application, that 's when my forbearance period started. An Account Specialist told me I should have received disclosures explaining these terms. I did not receive these disclosures nor was this explained to me at the time I applied. 

I am extremely frustrated because I feel I had communicated my situation and was taken advantage of at a time I most needed help. Having been in such a dire financial situation, reaching out for help, and finding results that offer virtually no relief, the experience has felt predatory. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB : I would like to thank your office for the swift response to my initial inquiry concerning the XXXX major credit bureaus and their validation methods. I would firstly like to thank this agencies fight for consumer financial protection, and credit accountability. 

I contacted XXXX, XXXX, and EXP. via phone and certified mail requesting the removal of a fraudulent Tax Liens, incurred by my ex-husband he filed taxes under my name as a married couple long after we had been divorced. 
The XXXX granted me INNOCENT SPOUSE RELIEF, SEPRERATION OF LIABILITYI sent the attached docs. To each bureau and gave them the 30 days allotted by the FCRA and FDCPA it has been over 60 days and they have not responded, which is a violation of my civil rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family. I have made countless attempts and Do n't know what to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a XXXX interest credit card through Wells Fargo to purchase an engagement ring for my fiance in XXXX. I paid off the ring and had a zero balance as of XXXX XXXX. I also purchased our wedding bands with this Wells Fargo credit card in XXXX XXXX. I never once missed a payment and over paid the minimum payment every time. As of XXXX XXXX my balance was {$630.00} when I received a bill of {$1300.00}, with a charge of {$720.00} in interest charges. I immediately tried to contact Wells Fargo and when I called the XXXX time was placed on hold for over an hour and then transferred to a woman who would not help me. I tried to call back XXXX more times to get in touch with someone who could help me to sort this out. Finally I went to the Wells Fargo branch on XXXX in XXXX, PA and I was told they have nothing to do with credit card services. The next day I went into the Wells Fargo branch on XXXX and XXXX and again no one could help. I tried to explain both over the phone and in person I could and would pay the balance of {$630.00} off immediately. I had no idea they could or would be able to charge me more in interest than my remaining balance on the credit card. I never received a notice that I was going to be charged interest, if I had been notified I would have immediately paid the balance. After numerous attempts to contact Wells Fargo with no success I had no choice but remit total payment of {$1300.00} ( cc remaining balance - {$630.00} + interest- {$720.00} ). I still can not believe a credit card company could charge more in interest than your balance and not notify you that you are going to be charged. If I had known I would have paid the remaining balance off immediately. It was very frustrating that I could not contact anyone at Wells Fargo to dispute these charges. Again I never missed a payment and overpaid every month. I think Wells Fargo has taken advantage of me and forced me into a {$720.00} interest payment without warning me this was a possibility or that the XXXX interest terms would be ending. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband gave me a check to deposit into my account for money he owed me. The check did not clear and therefore, was not cashed. Yet, my account was closed due to his check not being a good check. On top of it all, I recently tried to get a bank account but only now was I told I am being reported by XXXX and that this is why I ca n't get a bank account anywhere. It has been almost 5 years that I have been paying for someone else 's mistake, yet I was reported to XXXX and not the person with the bad check. U.S. Bank is reporting me for XXXX items and they can not even tell me how the amount got to where it is. How can you demand money from someone and not be able to provide how the amount is itemized. I have placed a dispute with XXXX, and was unsuccessful and I have contacted U.S. Bank directly and was unsuccessful. I am just trying to understand what is going on and how I am liable for a bounced check that could never clear when it was someone else 's check .... 

Company response: Company chooses not to provide a public response
Consumer complaint: I had some electrical work done on my property. The man that gave me the quote over the phone stated it would be $ XXXX {$400.00} depending on how much the permit was. I gave him the go ahead to do the work. The work was completed. About 6 months later I get a call about owing {$620.00}. I tried calling the owner ( man who quoted me ) and his answering service said that he was out of state on a job and he would have to call me back. Never heard back from him after at least XXXX calls to his office. I then get a letter from a collections company in regards to this debt. I asked for proof of debt. I received a invoice for {$620.00} from the company and that was it. How can a company just make up prices and then put it on someone credit report? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my husband received a check for approx. {$22000.00} from and inheritance recently in the form of an official cashiers check. I took the check to our Bank ( Bank of the West ) in XXXX, AZ and I was told that the funds would not be available for at least XXXX business days. I was told that {$200.00} would be available immediately, then in XXXX days {$4800.00} would be available and then in XXXX business days the remainder. I asked why that was since it was an official check. They said that there was nothing that they could do and it was just the way it was. I have since looked up the law and see that the funds should have been available the next day. I wanted to alert you to this situation. Thank you, XXXX XXXX. 

Company response: Company chooses not to provide a public response