AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My issue is about the XXXX point reduction in my credit score in less than 60 days with no logical or tangible explanation about how my score can drop by XXXX points when there have been no significant changes to my record. There is no suitable option in the CFPB drop down listing of options for making this type of complaint and the matter of credit score which is so central to the access to jobs, insurance, housing, etc. by a consumer 's is not very transparent. On XXXX XXXX, 2015, my credit score with Experian was XXXX and as of today, it is XXXX and XXXX points lower. There have been no new accounts added to my portfolio of accounts and in fact, I have paid off a couple of accounts ; XXXX delinquencies have dropped off and any other delinquency ( except for a new one with XXXX XXXX which is being disputed ) was only account in XXXX. Experian needs to explain specifically what has changed in 60 days to result in a XXXX point drop and I have had no additional inquiries. What I have observed over the years, is that during the period when I am paying {$19.00} to any of the credit reporting agencies, my score goes up and soon after I discontinue the monitoring service, there is a reduction in my score. This almost gives the perception that consumers are somewhat arbitrarily being penalized when they discontinue the service especially since I have never been able to get an explanation about the reduction in my score. The credit scoring process is like a blackhole and the high level explanation about the percentage composition of deriving the score is simply not good enough. In my case, given the very short duration, Experian should be able to provide me with the specific changes that amounted to a XXXX point reduction in my score since XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank card ( XXXX ) has been calling both my husband and I and harassing us at least twice a day, every dingle day about payments being late. In addition to this, we receive about XXXX letters of correspondence in the mail per week telling us we have late payments. All of our payments are on time, and we have never made any late payments. Since we have made a complaint with the CFPB in XXXX of this year, and the harassment has not ceased, we are contacting our attorney and filing lawsuit. I want Citibank to cease and decist all collection attempts for this now alleged debt, and any further communication by telephone or mail will be collected as evidence of further harassment. We expect a check in the mail as a provisional settlement on this account in the amount of {$1100.00} in the next 30 days, which is the total amount paid forward on this account to date. 

Company response: Company chooses not to provide a public response
Consumer complaint: Im a military Veteran on XXXX XXXX. My wife who is back home has been dealing with a mortgage company called SLS. They took it on themeselves to Remod our mortgage and said our payments ar now XXXX from XXXX. We have spoken to them and all we get is a run around. They have placed a deliquincy on our credit and stopped us from doing a Refi as the other banks see this fraud deliquincy on our credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting an item from XXXX as if is under payment plan. This account was included in a chapter XXXX bankruptcy which completed in XXXX on this year. My husband and I were awarded a discharge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I kept getting a call from XXXX when I answer it there is no one on the other end. after several continuous calls I called them back and found out it was ERC a debt collector. I asked them what debt they were trying to collect and they did not find any debts to be owed with my name, SSN or phone number. They removed my number 3 times over the past month and yet I still get calls. The most recent from a new number XXXX. There is no debt to be collected associated with me or my number and yet I get called every week sometimes twice a week. I am sure this is happening with other people too and it is very annoying. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my wife and I borrowed money from XXXX for a debt consolidation unaware that it was to be payed back in full in 10 years. after the 10 year period we where told our loan was sent to SLS Loan at XXXX this was XXXX after a year of sending in all documents required they would say information was late, needed to be resent again and again till we got my lawyer. Now with my lawyer we have tried to pay off debt since XXXX of XXXX only to be told info was late again or just not return our phone calls nor my lawyer. We would like to pay loan amount off and keep our house but they wont talk to us, we still have checks sent to SLS monthly for XXXX $ but they return them ... .we have been to SLS website and has noted we are not the only ones having this problem, and learned they are not favorable on XXXX website as well. PLEASE HELP US IN ANYWAY, PLEASE CALL SLS SO WE CAN MOVE ON, PAY OUR DEBT, AND KEEP OUR HOUSE! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested proof of how the following accounts were verified : 1. XXXX XXXX XXXX.-Account # : XXXX 2. XXXX XXXX # : XXXX .... 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts that belong to my son XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70000.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: i'am reopening this case again, i 've never get contacted by the consumer financial protection bureau about this case.this occured in 2012 when i used to lived at XXXX kentucky XXXX.i was behind on my rent for rent, i was sent a notice by the land lord i went to court but she never showed up, i was planning to live for XXXX illinois and i told her. in between my departure and the time i was given a notice i get a hole on my tires twice, i called the police, and they did their report, also she break into my appartment without a notice she broke the door when i come home she told me that she was the one who did, iam asking here for fair resolution for this case, the security deposit never get refunded which should bring my balance to {$950.00} and also i want my XXXX tires to get refunded which bring my balance to {$150.00}, i try so many time to contact the collection but its looks like they do n't want an agreement. 
thank you for your help, for further information feel free to contact me at my phone number XXXX thank you for your help one more time sincerely, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am XXXX Veteran and I reported all my award letter information XXXX. I spoke with them and was told that they told TransUnion that my student loans had been discharged to Zero balance due to my XXXX veteran status. TransUnion did several investigations and refuse to remove the student loans from my credit report XXXX. I can not make purchases of a new car or home due to these erroneous items still being listed on my credit report thus lowering my score significantly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I completed an FHA Streamline mortgage with XXXX XXXX XXXX Bank and they sold my mortgage to HomeBridge. At escrow, I was given XXXX receipts for my XXXX and XXXX payments so that I would know where to send my payments until my account was setup and I could make electronic payments. After signing, I misplaced the coupons and asked my broker to re-send them via email, which he did. I paid my XXXX payment on time using the coupons he emailed me. 

In XXXX, HomeBridge called me to inform me that I was late on my payment and they were " attempting to collect a past due debt ''. They called me on my work phone line. I asked them to call back on my cell phone. I ended up spending around 45 minutes talking to someone about my mortgage. He told me that I owed them {$1100.00}, which was disconcerting because it was significantly lower than expected. I asked them if they had setup my impound account to pay taxes and home insurance. He said they had not and that I would have to fax my tax documents and my insurance documents to XXXX separate departments! I immediately called my broker from XXXX XXXX, and he said to ignore them and wait for my welcome packet in the mail sometime in XXXX and to continue paying to the coupons he sent me. 

I paid my XXXX bill promptly on the XXXX of the month. Then on the XXXX of XXXX, I received another call from HomeBridge saying I was late on my XXXX payment, but they had received my XXXX payment. I told them I mailed the check to the same place as I had in XXXX and the check had been cashed! She asked me to pull up all kinds of information as to where I sent the check, who I addressed it to. Again, I was at work. Again, it took about 40 minutes. Then I just received another call today! The woman who I spoke to on Friday apparently did n't take very diligent notes. 

This process is a waste of my time and is a huge disturbance at work. I feel harassed to talk to these incompetent people out of fear that they will mistakenly report a missed mortgage payment to the credit bureau. I want to emphasize that I have followed all directions that were given to me and both of my payments were cashed. This process has been sloppy and jarring. HomeBridge should be seriously reprimanded for their disorganized practice and harassment of new mortgage holders. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report over 30days past. XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX XXXX XXXX ( OTHER ) XXXX XXXX Opened Date XXXX, XXXX Opened Date XX/XX/XXXX the items are not correct result of ID THEFT and are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX OH XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a request to Experian to lift my credit report freeze permanently. I complied with all of their requirements and asked for confirmation. Experian has not answered to mu request. I have been denied credit XXXX times based on Experian 's incorrect information. Please asked Experian to comply. 

Company response: Company chooses not to provide a public response
Consumer complaint: My financial advisor referred me to their XXXX XXXX department when I told them thay I was going to buy a house. I was approved for a loan and I started looking for houses in my price range. When I found the house that I wanted I locked in my rate and started the application process. Throughout the process they exhibited poor communication and started asking for documents a couple of days before closing. Two days before closing they contacted me to finalize numbers, including my monthly payment which was quoted to be {$1500.00}. When I got to the closing table I discovered that monthly payment would actually be {$1700.00}. When they informed me of this payment I felt like my back was against the wall because I was afraid being sued by the seller and I felt I had no choice but to sign. Since my closing two weeks ago I have been under duress on how I am going to make my monthly payment. On my Truth In Lending Disclosure they quoted my taxes and insurance to be {$290.00} a month. As a normal consumer this number did n't seem out of the ordinary to me. In doing my research I have been made aware that several professionals from Morgan Stanley Home Loans neglected to change the property tax number to the correct amount even after they were told by the title company on XXXX occasions that their estimated property taxes needed to be adjusted. Morgan Stanley Home Loans were negligent on several occasions. I am now stuck with a mortgage payment I ca n't afford. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX. I recently disputed Civil claim judgment by XXXX XXXX XXXX IN THE AMOUNT OF {$9200.00} that appears on my credit report with Experian only and requested that I receive a legal and throughout investigation into the matter to have it removed from my credit report. They failed to provide me with any of the methods in which they claim to have validated this item and I am extremely concerned and afraid that I may not have a rightful resolution to my problem. Civil Judgment XXXX is illegal reported in the public record of my file. This item was expunged from my records following Federated Financial 's failure to appear in court and the XXXX Judge withdrew the suit against me as it was never validated or owed. Another concern I had was that the claim amount was severely inaccurate and exaggerated. The settlement outside of court was under the sum of {$2000.00}. 

I asked Experian to kindly look into this matter for me and delete this item, as it is greatly affecting my interest rates and approval odds with financial institutions, and they validated it somehow and kept it negatively affecting me in a letter sent to me XX/XX/XXXX. This public record item is not legal and it is not valid and was withdrawn by a Judge and its contents were never open and satisfied outside of court. There has never been an judgment against me XX/XX/XXXX nor have I any records proving this myself. 

What has affected me the most is that I received no documents nor any proof of any investigation as requested in my letter, which I have attached. I specifically wanted to see what Experian was seeing and there is nothing that has been provided besides a number XXXX-Please call this number yourself. there is absolutely no dial tone and it can not even been found in their database catalogue. 

Please, Experian, remove this invalid judgment from my records this is not proper investigating and this is not a legal item and can not legally be reflected under my social security number with your company. The address provided was also incorrect and I have no idea how and when and by whom this public record item was verified. Please remove it promptly, it has now been 25 days since the receipt of this letter and I will not wait any longer for any more investigations. 

I have attached my disputed letter, my recipe and their response to me in hopes of asking Experian again to please remove the item which is not valid nor viable. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint with CFPB in XXXX The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a XXXX customer for a couple months and i agreed on an amount on a 2 year contract and that was XXXX dollars a month everytime i got my bill it was higher than the agreed on amount so i just kept paying my XXXX dollars and then late fees happened so i canceled the contract because they broke the contract agreement and submitted my account to multiple debt collectors and now its with XXXX that was already removed from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We applied to Wells Fargo for a loan modification after my husband lost his job. The modification was declined on the basis of failed NPV. However we have appealed and they are considering our appeal. We are now 4 months late on payments. We called to make a payment today and were told that they would only accept a payment for all 4 payments ( XXXX ). They would no longer accept individual payments. To me this seems as though they are forcing us further into default rather than trying to assist us. I believe that this is a breach of the intent of the new Board of Governors of the Federal Reserve Regulation Z rules under 226.36 ( c ) for mortgage loan servicers : " Servicing practices. 

( 1 ) In connection with a consumer credit transaction secured by a consumer 's principal dwelling, no servicer shall -- ( i ) Fail to credit a payment to the consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, or except as provided in paragraph ( c ) ( 2 ) of this section ; By refusing to accept a payment online they seem to be deliberately circumventing this rule in order to force us into foreclosure. 

We fully expect my husband to be reemployed next year. At that time, hopefully with a modified loan, we hope to work out a payment plan. At this time we are simply asking the bank to accept a payment. 

Anything you can do to assist us would be greatly appreciated, Sincerely 

Company response: Company chooses not to provide a public response
Consumer complaint: i had citi thank you prefer credit card for 10 years. They somehow decided to close my account for their own reason. No explanation given. Only letter stated that they have a right cancel the account. I have no problem with their decision because all other credit card companies are happy to have me as a customer. My problem with Citi bank closing my account is they forfeit/cancel/kept my XXXX points. they say that they have a right to do that too. That is a rubbery, i would call. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an adverse action on my utility credit score. I requested the report from Experian and my request was denied, even though I have a letter from the utility company saying that I am entitled to a free report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Riamoneytransfer was contracted to provide payment service. 
After taking money, they blocked account. Payment was not made nor refunded. 
Emails to company are ignored. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i am a victim of identity theft. I have had these items removed 2 times and the bureaus keep reinserting them the companies are transferring them back and fourth to each other and the bureaus are putting them back. Also i asked for fraud alerts to be removed for a short amount of time in writing and they havent done so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to change my address three times with Citibank. I wrote the change of address on the mail remittance. They cashed my check but did n't change my address causing me to get late fees. When I called them, they offered to credit some of them. It seems like a scam to get extra fees by not changing the address. 

Company response: Company chooses not to provide a public response
Consumer complaint: Opened a checking account last year with US Bank then decided to refinance house with them. Started this in XXXX XXXX after making me jump threw hoops and making me pay for underwriting fees up front or they would cancel the loan if I didn't.. I finally got a call from the loan agent saying we were in final in XXXX XXXX nothing was said when i spoke to him about taking XXXX dollars out of my account and not telling me. When I noticed the next day when I was in the negative in my account. Called him and told him he needed to put the money back that things where going to bounce he said not to worry because you have over draft. Went to the bank the next day told loan agent to put the money back and he should have told me he was taking out of my account. He said he would have to put in for the money to get it back and then told me he cancelled the loan and I would have to talk to the manager to get my fees back so talked to the manager and after some debate on whose fault it was he said he would give me the fees back and would fix it back to the way it was before this mess. 
They sent me the XXXX back for underwriting fees I deposited in there bank. When the loan agent saw me asked me if I got the other money back I said no. He gave me a number of someone else to call. Decided to open an banking account at another bank did not trust this bank with my money. After weeks I did finally get my money and then went to close my account they said I owed XXXX in over draft fees. What a scam they are running 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My credit report from Transunion have an account ( # XXXX ) from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score. 

Company response: Company chooses not to provide a public response