AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: GLA COllection Company XXXX XXXX XXXX, XXXX, KY XXXX is reporting XXXX collection accounts on my credit report, I have been trying for a year to have they validate that I indeed owe the debt, they have refused, yet continue to update that accounts and try to collect on them, I need proof that I indeed owe these alleged debts. 
Account number XXXX, XXXX, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/2015 CFPB helped resolve an issue with a credit reporting issue from XXXX XXXX. You provided me with a letter response from XXXX XXXX with accurate information which I sent a mailed dispute and copy of letter to each credit bureauXXXX TransunionXXXX. XXXX corrected the information, however Transunion is refusing to correct the information. They have a copy of the letter, but are still refusing and are stating they need a newer copy of the letter, even though it is dated XXXX/XXXX/15. 
This has severely impacted my ability to refinance my home.as rates are now rising. 
I would like to have this investigated as to why they are refusing to correct an error that has been sufficiently documented it is an error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Macy 's star rewards credit card in the store late XXXX this year when I bought an engagement ring. Later, I received a statement which I paid in full over the phone. More recently, I received a statement for my Macy 's credit card saying that I had a previous balance of {$4.00} due & now had {$2.00} interest for a total due of {$6.00}. If this is not paid on time, they threatened to charge me a late fee of {$32.00}. I had nothing due since this XXXX purchase was completely paid off & there have been no other purchases. I have called Macy 's credit card customer service phone number multiple times over the course of several weeks as well as emailed, but have received no response back. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian lowered my overall credit score. When I called member services to find out why, they looked into it and could not find any reason for the lower score. They would not correct. Sent me to a financial advisor but could not talk to an advisor unless I bought and identity theft package. Nothing on the report no fraud alerts, late payments or new accounts to dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I refuse to go back and forth, he said she said. This is my third complaint and I would like some issues addressed to determine if any CFPB rules were broken. I have attached two documents. One is a statement from NFCU and the only document I have received as to my denial of a VA loan and it 's in the form of an email. The other is a statement from XXXX XXXX from the VA disputing the statement from NFCU. Only XXXX is the truth. This issues that need to be addressed are from the response of NFCU in complaint # XXXX and are as follows1 : First of all I would like to know who I am addressing. There was no name attached to the response from complaint # XXXX or complaint # XXXX or complaint # XXXX or complaint # XXXX and if you are qualified to make decisions on my file and why did the loan officer that was handling my loan get fired. 
2 : As a requirment to report all loans to regulators, what reason did you use for my denial of the VA loan. Was it the same XXXX you gave me, that I did n't pay my last month 's rent. I do n't believe that is XXXX of the data points outlined in Regulation XXXX Especially after being pre-approved. 
3 : The high cost mortgage I was offered. Does it comply with regulations as set forth in Regulation XXXX after I locked in a rate of 4 % just 30 days prior. Why the high cost mortgage? according to my credit report I had no derogatory remarks, no missed payments on anything and my scores were XXXX and XXXX. I attached a copy of my credit report in complaint # XXXX : You stated that NFCU undertook extensive efforts to assist me, but a VA loan was not an option because of unsatisfactory verification of rent and a court judgement. Well I too took extensive efforts to prove that both landlords lied. Without going into lengthy explanations, I did send XXXX XXXX proof along with a satisfaction of lien from the court. I attached a copy of that in complaint # XXXX. So that was not an option to turn me down. Than you stated that NFCU contacted the VA and they confirmed that the loan was not eligible for a guarantee. Please provide proof of that contact. I do n't think you did. 
5 : You said you attempted to offer possible assistance, but the number you gave in complaint # XXXX is to a telemarketing company. I did call it for possible assistance. 
6 : I am going to have to include your the title company acting as your agent agent. XXXX XXXX. At closing, they failed to disclose anything to me. We just went through page by page with just a sign here. I did n't even know I had mortgage insurance. I am sure they followed all the regulations, but why was my wife added to the note when I distinctly said not too. She receives all correspondence from NFCU including late notices. My question is, did you report her as a co-applicant and if so, did you report her ethnicity as XXXX. 
If you can please address these issues I have I would appreciate it. I am sure the CFPB would be interested also. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed the below accounts with Transunion on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My house foreclosed and I had a second mortgage that was not forgiven in the amount XXXXThe company XXXX XXXX offered a 20 % settlement with me which I did n't originally agree upon and asked for 10 %. They would not do 10 % so I later agreed to 20 %, however they said they sold my debt to a law firm XXXX MN. XXXX would not respond to any of my attempts to make payments to them and threatened to garnish my wages if I did n't immediately sign an affidavit and payment plan to pay them in full. I asked them where I could send payments and they ignored me. They only communicated with threatening letters and phone calls. Finally under duress and the only way I could get them to tell me how to send a payment was I signed their pressured paperwork. I feel they used threats and fear to ignore my attempt to pay them the original agreed upon 20 % settlement which they forced to 90 % now. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Purchased ink jet cartridge using XXXX for {$15.00} using my credit card XXXX XXXX transaction num. XXXX. The card num.. is XXXX from XXXX XXXX ServicesXX/XX/2015 Request a cancellation for item not received. 
XX/XX/2015 Creditor refund to XXXX account. 
XX/XX/2015 Supposed refound in trans. XXXXNEVER RECEIVED A REFOUND TO MY CREDIT ACCOUNT 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received discharge order from bankruptcy court XX/XX/2000 
But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ). 

Company response: Company chooses not to provide a public response
Consumer complaint: First : I have XXXX complaints about this collector ( XXXX XXXX ; phone : XXXX XXXX XXXX XXXX ). I do not owe this person anything at all AND his desperate attempt to reach me by phone is frightening. So, I live in XXXX and on the morning of XXXX XXXX, 2015, while I was talking on my land-line phone with my sister who lives in XXXX, I received a call from the office of XXXX XXXX. I saw the company name through caller-ID. I did not answer the call. 

About 5-10 minutes later, my sister ( who lives in XXXX ) receives a call and she assumed it was a family she had been XXXX. She placed me on hold and answered the call. In a few minutes, she returned to me and told me that someone named " XXXX XXXX '' had called and sternly asked for " ME '' by name. She told the person that I did not live there, but I was her sister and what did they want? She said the person immediately disconnected the call. Now ... .I DO NOT RECALL EVER, EVER VERBALLY COMMUNICATED WITH THIS DEBT COLLECTOR AT ALL ... ..NEVER. So, there is no way they would have access to my sister 's phone number and I have never, ever used her name for any ; absolutely any form of business. So, how did they get her phone number? And if they have been calling my phone number over time, what would lead them to call a different number? How did they get my sister 's phone number? 

So, my concern is : somehow, this company was able to tap into my sister 's land-line phone while we were on the phone at the time of their call. I do n't lknow how they did it, but this truly happened and they should not be allowed to get away with it. They clearly had a way to do that which is invasion of privacy and by doing so, exposed a personal issue of mine to my family member, who had no prior knowledge. 

I am offended ; I feel violated and I am fed up with the constant harrassment I have been receiving from this company. They should not have a right to do this to anyone ; even if they did owe them money. 

Please help me understand this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage servicer ( Bank of America ) approved me for a loan modification and a small error was made on the signature page of the permanent loan modification documents. BOA erroneously sent correspondence to another XXXX of their customers in another state XXXX XXXX & I never received any information that my documents had errors. Subsequently, I was never informed that my permanent modification was never processed. I was under the impression that everything was completed, as per my Customer Relationship Manager had told me numerous times throughout the entire process, as well as several other BOA representatives. I continued to make all of my payments for a year until my loan suddenly entered foreclosure. I spoke to over XXXX different representatives who told me that my loan was approved, that this was a clerical error, and to disregard the issue. I am now in pro se litigation to defend this issue, my credit, and try to save my home, that should have never have gotten this far. I have made all of my payments, and have only missed XXXX since the origination of my mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter documenting that my mortgage with Bank of America was being sold to XXXX, XXXX. The change was to be effective on XXXX/XXXX/15. The letter from BOA was received on XXXX. I have still not received anything from XXXX, XXXX claiming that they are the new loan holder. According to research they must notify me in writing no later than 15 days before the sale occurs. This time has passed. I want to contest the sale of my mortgage based on what I have learned about XXXX. I ca n't find anything good about them anywhere. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received discharge order from bankruptcy court on XXXX XXXX, 2000. 
But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: COMPLAINT ACTIVITY REPORT Case # XXXX XXXX XXXX XXXX. 

Consumer Info : XXXX, XXXX XXXX Business Info : Merchants Preferred Lease-Purchase XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Involved : ( Same as above ) Consumer 's Original Complaint : On XXXX/XXXX/2015 I bought a laptop and a coffee machine from XXXX store, I refer to Merchant preferred financing to finance the laptop ( cost XXXX ) and the coffee machine ( cost XXXX ) total with taxes finance XXXX. ( by the way the coffee maker stop working in XXXX 2015 and it ended in the trash ) so the started taking XXXX per month from my checking account the last payment they took just several days ago so I called today why the still taking money out of my account when the Items total was XXXX that payment should have been completed. they told me no because I signed an agreement for 18 months and that I will be paying XXXX for 18 months and the total will be over XXXX when the payments are completed, I was not aware that was the deal I understood that I was being finance until my bill of XXXX was paid completed, base on their explanation I will be overpaying 3 times for the items I purchased, that do not seem to be wright it seems to be a legal scam, how can the consumer department allowed these companies to ripped of the consumers Consumer 's Desired Resolution : DesiredSettlementID : Not applicablestopped scamming onsumers XXXX XXXX XXXX/XXXX/2015 web XXXX Case Received by XXXX XXXX/XXXX/2015 XXXX XXXX Case Determined to be INFO ONLY - Send to Company XXXX/XXXX/2015 XXXX EMAIL Inform Consumer - Case Closed INFO ONLY XXXX/XXXX/2015 XXXX MAIL Inform Business of Case Closed INFO ONLY XXXX/XXXX/2015 XXXX XXXX Case Closed INFO ONLY 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America has me in a credit card with an annual fee. The same exact card is available without and annual fee and has been for quite some time. I have been through so much trying to get a straight answer on why I have the fee but others do n't. They take the Equal out of Equal Credit Opportunity Act. The employees are sarcastic and fake, the service is terrible and they lied to me on multiple occasions. To the point where I will always call back and ask a new rep to verify what they told me is true. So far all of my complaints directly to them have fallen on deaf ears. They are truly terrible to work with and unfair to bank with. Unless you are EXTREMELY qualified you will get no benefit to banking with them, you will only get fee 'd to death and sarcastic service. 
My additional complaints are they are quite rude about credit limit increases. The girl specifically told me that if I requested one and it was n't approved there would be inquiry on my report. I did as she instructed and guess what! She lied. I called and asked about it and the rep I got said " no she lied to you '' ... ..How does that benefit anyone? 
Bank of America is a failure. They are failing their customers and their shareholders. I will be sure to not direct any of my future investments to anything remotely related to them. 
For the record this can be filed under multiple entries, which I probably will just to make sure the many complaints are categorized appropriately. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX : Real Time ResolutionsXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CaliforniaZip Code XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California Account No. : XXXXDear XXXX XXXX XXXX : This email is in confirmation of the information contained in your facsimile transmission XX/XX/XXXX, of the unsigned letter from XXXX XXXX XXXX Customer Servicing Department dated XX/XX/XXXX entitled " Notice of Assignment, Sale or Transfer of Servicing Rights, which in sum and substance states that the servicing rights to the above referenced account representing my second promissory note, in the approximate amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$100000.00} ) dollars, secured by deed of trust, was sold by XXXX, a operating division and, or subsidiary of XXXX XXXX XXXX, to Real Time Resolutions XXXX Inc., on or about XX/XX/XXXX, at a time when I was engaged in Chapter XXXX, Bankruptcy proceedings before the United States Bankruptcy Court for XXXX California XXXX, California, without having first applied to the court for relief from stay from the provisions of Section XXXX ( a ), of the United States Bankruptcy Code. I have been able to determine, from other sources at XXXX XXXX XXXX, that this notice was intentionally or negligently defective in that it failed to state that the promissory note and deed of trust encumbering the above referenced real property were also sold by XXXX XXXX XXXX to Real Time Resolutions , Inc., on or about XX/XX/XXXX, also without obtaining the consent of the Bankruptcy Court for permission to engage in an action which does or may affect my rights as Debtor to property of my Bankruptcy Estate. 

This sales transaction has additional ramifications in that I never received notice of the sale of the promissory note and deed of trust, from any party to the transaction, as required by California law, and was thereby prejudiced in my ability to determine to whom my obligation was owed so as to make payment on the promissory note or to otherwise discharge the amount represented by the promissory note as being unsecured by the deed of trust due to a lack of equity in the real property at the time of the filing of my Chapter XXXX, Bankruptcy Petition, sufficient to cover the amount of the obligation. 

My attorneys have advised me that I should reopen my Bankruptcy proceedings to unwind these transactions and obtain a discharge of the promissory note and deed of trust. To that end I have petitioned the Bankruptcy Court to reopen my Chapter XXXX Bankruptcy proceedings. However, I have held preparation of a complaint seeking the avoidance of this obligation in abeyance due to the considerable expense of prosecuting a complaint for avoidance of this lien and the representations made by XXXX XXXX XXXX that it was willing to voluntarily reconvey the deed of trust to me and cancel the promissory note. If this is still the case please advise me in writing on or before close of business XX/XX/XXXX 


Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team.. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Dear XXXX, I wish I could stop reporting Citibank every year to you, but hey continue to be clandestine about my closed credit card account balance. They just send ACH date and amount to be debited. 
On XXXX XXXX, XXXX I called Citibank 's IRU re : the current balance of credit card account ending in XXXX. The amount is never listed.The rep told me the amount and that fee 's and interest had accrued. I challenge the amount which the rep said was {$1300.00}. Citibank has never listed the balance each time they ACH my checking account. To add insult to injury the rep told me I made payment arrangements on XXXX XXXX, XXXX. I have documentation going back to XXXX, XXXX. Unfortunately I had to report Citi 's ruthless and unfair consumer tactics ( XXXX other accounts were also involved ) to the CFPB. Due to the bureaus intervention, XXXX of Citi 's client liaison 's assisted with all of the accounts with affordable and reasonable payments.The closed credit card payments were reduced from {$170.00} to {$70.00}. 
I feel that, again, Citibank is taking advantage of me! I never know my balance after each payment. If the Citi rep told me the arrangements were setup in XXXX XXXX, it seems past payments were not applied. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I have had a credit card account with Bank of America for a number of years. Every month we pay the balance in full, and on time. 
This credit card account accumulates cash rewards. If the cash reward is redeemed and applied to a Bank of America account, there is a 25 % bonus added to the redeemed amount. 
On or about XXXX XXXX, 2015 I signed into the account online to redeem the cash rewards, which at that time was {$610.00}. My intent was to apply it to a Bank of America account, qualifying us for the 25 % bonus, for a total of {$760.00}. 
The online system would not allow me to do the redemption. 
I later learned that Bank of America had closed our account that day. They would not give us the reason for closing the account, but I assure you that Bank of America can not say that we had done anything wrong to warrant the closure of the account. 
I called the bank four times since, and they have refused to give us the rewards that we earned by using their credit card. They say that because the account is closed that we are no longer entitled to the rewards. 
Basically, Bank of America is depriving us of the rewards that we earned by using their card. We did n't have to use their card, we chose to do so because of the rewards. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I applied for a loan modification with US Bank and submitted a package to the bank as requested. However, it appears we were " dual tracked '' and a foreclosure proceeding began despite our filing for loss mitigation. A foreclosure was initiated on XX/XX/XXXX2015 despite our submission of loss mitigation paperwork and a subsequent letter for additional information with an XXXX/XXXX/2015 due date. 2 days prior to the said due date for additional information ( which was submitted on XXXX/XXXX/2015 ). A foreclosure complaint was filed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call from Credit Management LP stating that a letter was sent to me to collect on a debt XXXX. I explained that the account was opened fraudulently. I investigated the bill further and became aware that the bill was created at another address in which I do n't reside and was connected to a number XXXX that does n't belong to me. They may have skiptrace to get my number to start harassing me about the debt and claiming they spoke to me when in fact they did n't. I informed the rep that called to not put this on my credit report and that the conversation being recorded states such and that I will take action against them for any damages that occur from this said debt. I will need a copy of a signed contract agreeing to ownership and responsibility to pay this debt. Without proper validation of this debt the reporting and collection tactics are a violation of the FCRA and the FDCPA. 

Company response: Company disputes the facts presented in the complaint