AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
XXXX. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
XXXX XXXX XXXX {$280.00} : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
XXXX. XXXX XXXX, Opened XXXX : This account was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX XXXX : This account is a charge off or collection. A collection or charge off can not be an open account. A collection or charge off can not go into collection or charge off. A charge off and collection status it just that. It is reporting as an open past due account which is illegal under FCRA guidelines in turn deeming it as " incomplete and inaccurate '', which constitutes grounds for removal. 


FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are filing a complaint against Shea Mortgage in California. We submitted a loan application with Shea Mortgage sometime on XX/XX/XXXX where we were issued a " loan approval ''. Given this information, we signed a contract with Shea Mortgage 's wholly owned subsidiary, XXXX XXXX, to buy a home located at the XXXX, XXXX XXXX, California. Construction started XX/XX/XXXX and we are now at the finishing stages of construction. 
Shea Mortgage demanded updated data and credit report XX/XX/XXXX which we complied. A new " loan approval '' was issued again. This time we paid an appraisal fee in the amount of {$450.00}, and we were promised that if our loan can not be approved, then the appraisal will not be ordered. The appraisal was ordered, so it means our loan is approved. 
Every week beginning XX/XX/XXXX, Shea Mortgage asked for more documentation, which we provided and complied. This charade has been ongoing for the last 5 weeks. 
On XX/XX/XXXX, the loan processor demanded XXXX more items before a FINAL loan approval can be issued. Again, we provided everything Shea Mortgage asked for on XX/XX/XXXX. A couple of days later, XX/XX/XXXX, we were told that we should have the FINAL approval within 24 to 48 hours. It is now over 96 hours, yet we have not received the promised FINAL loan approval even though we have given them everything Shea Mortgage asked. 
We did not get a Good Faith Estimate until XX/XX/XXXX. Are n't lenders supposed to give the borrowers a Good Faith Estimate within 3 days after a complete loan application is received? We locked in our rate for 60 days on XX/XX/XXXX, and instead of a written rate lock agreement, we were given a " Itemized Fee Worksheet ''. We are very concerned the lender is delaying the issuance of the final loan approval ; our rate lock expires and we will have no choice but to agree to a higher rate and maybe fees. 
We pray the Consumer Financial Protection Bureau is here to protect helpless consumers like we are. 

Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I owe XXXX XXXX dollars for a snapshot I have not returned. But I am going to. Another thing they charged me XXXX dollars for nothing. I discontinued insurance company and they charged me for it! I will never go to progressive again because they falsified collecting information and charged me tons more than I owe them. Please help. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In XX/XX/XXXX my spouse, XXXX XXXX and I, XXXX XXXX filed bankruptcy which was paid off and released in XX/XX/XXXX. XX/XX/XXXX we were informed that the loan was sold from Homecommings to FCI. Discussion with FCI I was informed that they purchased the loan seriously delinquent. I informed them that the information was incorrect. I continued to pay FCI awaiting a discovery of documents until XX/XX/XXXX. FCI has refused to work with me insisting that the was purchased approx. XXXX. I requested documentation from the bankruptcy trustee which shows that the loan had a balance of approx. XXXX at the time of the bankruptcy being filed. It appears that all payments to the loan were placed in a suspended acct and were not paid towards the loan at the time of the release from the bankruptcy courts. I continued to pay FCI for a year longer than the loan was to exist and have no copperation from them. XXXX XXXX and I were divorced in XX/XX/XXXX. My lawyer, XXXX XXXX of XXXX, S.C. Has made several attempts to communicate with FCI with no results. I stopped paying FCI IN XX/XX/XXXX when I was out of work. According to my documents I owe no more payments and I am due the deed to my property. FCI has not taken any legal action nor is the loan been reported to any credit agency since the FCI purchase. I can not afford to retain another lawyer 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied online for a refinance, and the GFE that was generated did not remain the same after I spoke with an agent the first time. On XXXX/XXXX/15, I paid the lock-in fee of {$490.00} for which the agreement said I could rescind it if I did n't yet receive countersigned documents. I rescinded the agreement on XXXX/XXXX/15 because I became distrustful of the process and agent. Plus, I had n't received any documents. I was told on XXXX/XXXX/15 that the lock-in fee of {$490.00} that I paid would be refunded to me. After sending a reminder email on XXXX/XXXX/15, I still have n't heard from any agent at Valley National Bankl 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: During end of XXXX, 2015 - I opened bank of america Basic checking account as part of the promotions whichs says:1 ) XXXX direct deposits of {$2000.00} or more within the first XXXX days. 
2 ) Either have a direct deposit of {$250.00} per month or maintain an average daily balance of {$1500.00}. 
Both the conditions were met much before end of XXXX, 2015. I was told in various customer service chat and otherwise on the phone that if the conditions are met then within XXXX days they will give me the {$300.00} promotional cash back bonus. I keep on following up during XX/XX/XXXX on wards - i keep on getting different versions like " we are still doing verification etc ... '' All my direct deposits were qualified direct deposits. But it 's more than the stipulated XXXX weeks and i am yet to receive my {$300.00}. I am just spending time and efforts in terms of following up on this issue to get nothing out of it. 

Company response: Company chooses not to provide a public response
Consumer complaint: it is the repeated fraud attempt from experian, like the XXXX reporting bad reviews online, those who was deceived with the XXXX $ credit report, i was deceived and subscribed, then i got a XXXX $ transaction on my credit card, and when i complained, i called the customer service supervisor over the phone and she promised to refund the XXXX $ but i have to email XXXXXXXXXXXX, i did and i got automated reply like the hundreds online saying they will not refund this money. this money were withdrawn without my approval, i subscribed for a XXXX $ credit report, why shall i pay XXXX $ for something like that. 
also i subscribed 12 days ago, if we removed the regular weekends and the XX/XX/XXXX vacation that will leave time less than the trial period that they talk about. due to the fact that i have to cancel the subscription only by phone, then i have to call on a bushiness day, then they didnot even leave me a chance to cancel it before they rib me off. so, even if i was aware of the charge, there were no way for me to block it, what if i was not even notified or aware or approved this XXXX $ charge. 
unjustified charge that i received. please process this refund ASAP. 
here is my Member # : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: information is not mine 

Company response: Company chooses not to provide a public response
Consumer complaint: I have insurance, the insurance company said the hospital messed something up and that I was not responsible for the bill. They also said the hospital needs to figure it out. I explained this to the hospital and they said ok. Then I started getting the debt collector calls, I have asked them to stop calling and explained the conversation I had with the hospital. They start getting angry and loud saying you owe this money, etc. today after telling them to stop calling they kept talking until after the XXXX time me telling them to stop calling and that 's when they said goodbye and hung up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect.. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX had been trying to collect XXXX to XXXX dollars on a US Bank account I had several years ago that I forgot to close after I moved and was no longer banking with them. I never owed and money or overdraft fees and US Bank was telling me I owed money for not closing the account. When I called US Bank to try and see what I could do to get this off my credit, they had sold the account to XXXX XXXX XXXX This company has multiple complaints with the XXXX for collecting money owed and not paying the debts off. I do not owe any debt! How can I get this off my credit? I ca n't even get a bank account. Please help me. I am a new mother trying to get my finances in order. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several Months ago I contacted Trans Union about incorrect information on my credit file. 
I Mailed in evidence to correct my personal information such as a Driver license, Social security card, Marriage certificate and a copy of a lease. Trans Union did not correct my personal information, they kept the old incorrect personal information that does not belong to me on my file and added the information to the file in which I sent. In addition I am also an identity theft victim. Lastly, XXXX was given the same information years ago but Trans Union will not update. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: A friend of mine agreed to wire to my Bank of America ( " BofA '' ) account a simple {$1000.00}. 
We expected the XXXX weekend to cause a timing inconvenience, but we never expected BofA to take absolute control over my accountissuing unauthorized and unapproved wire transfers out of my account setting upa series of chain reactions. 
It put me at peril because I was unable to meet my rent obligations not oncebut XXXX to my landlord in a XXXX-week 's period. 
First the money is there then it is not, then it is again, etc. 
I lost wages because I had to sit in XXXX ' hot afternoon sun protecting mybelongings from marauders. 
It caused untold amounts of XXXX not knowing what new and utterlyridiculous twists BofA would foster upon my account. 
Furthermore, BofA definitely put me at risk of losing my recently-acquiredjob and career. 
I finally contacted another friend who transferred money via XXXX money transfer service to my account. 
It worked perfectly. 
XXXXThis is what happened ; Instead of wiring {$1000.00} to my account, BofA sent {$1000.00} to my friend 's account. 
This put my account in the red and incurred fines and fees. 
BofA apologized and agreed to reverse the fees claiming it was a simple clerical errorUnfortunately, as wealthy as they are, I would have to wait days until theycould clear up the error, refund my money, and pay me the money owed. 
No way, no how, even though they admitted their error. 
In the meantime, I got evicted due to lack of funds. 
My property was out on the streets. 
And, I lost time at work. 
And, I got assaulted protecting my property. 
And BofA is very sorry. 
Next day, BofA is evidently still on holiday so nothing happens. 
I got a friend to help me out an get off the street. 
The next day, BofA finally credits my {$1000.00} but not only reverses it, they issue another wire against my account incurring more fees and fines. 
This is a nightmare. 
Evicted. again! 
Lost work, again! 
My account is negative and even if a friend sends money, BofA gets it first. 
Of course. 
So, I suffer some more all because BofA ca n't handle a simple wire transfer... 

Company response: Company chooses not to provide a public response
Consumer complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, BANK OF AMERICA, HAS INVITED ME TO APPLY FOR A DEED-IN-LIEU PROGRAM. I AM PROCESSING THAT RIGHT NOW. BANK OF AMERICA HAS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2014 AT THE SAME TIME THAT I RECEIVED THE INVITATION TO APPLY FOR THE DEED-IN-LIEU PROGRAM. BANK OF AMERICA NOW CLAIMS THAT THERE IS NOT TIME TO APPLY AND OBTAIN APPROVAL FOR THE DEED-IN-LIEU. THERE IS NOT ENOUGH TIME BECAUSE BANK OF AMERICA HAS NOT POSTPONED THE FORECLOSURE SALE. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX sent me to collections ( Rash Curtis & Associates ). This was a pre bankruptcy petition debt. Rash Curtis & Associates reported this debt unpaid in XX/XX/XXXX. This is a post bankruptcy petition collection action and a violation of my bankruptcy discharge ( XX/XX/XXXX ). I explained this to XXXX XXXX XXXX on at least XXXX occasions and requested that they remove the collection from my credit report/s. They did not. I recently disputed this with XXXX and it appears that they agreed with my explanation and have removed the collection from my credit report. I am concerned that I may have been turned down for employment because of the collections reference on my credit report. I would also like to request to be informed if any information in my file has been used against me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company called my cell phone ( XXXX ) and left a msg on XXXX/XXXX/15 to return their call. Then they called my house phone ( XXXX ) a few minutes later and my wife answered. 
A women named XXXX XXXX asked my wife to take down her information and have me call them back. She stated she worked for an attorney and that I owed a debt from a XXXXcredit card account. My wife quickly googled this firm and found fraud allegtions and many complaints about them. 
After careful research we have found they are not attorneys, which is a violation of Federal and State Law, and have found they are not licensed to collect in the state of MA. 
I called the telephone number she gave my wife and a XXXX XXXX answered. She asked for my name, then she stated that I owed the debt a for a XXXX credit card. 
I then I asked her to send me documented proof by mail. She replied with " are you denying that you owe this debt? '' I said " no, I am asking youto send me proof.? This went on for a few more minutes and I just hung up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ongoing collections calls for an XXXX XXXX who is NOT at our address. We have called Shell Point Mortgage XXXX. Resurgent XXXX numerous times, told them that they have the wrong party and wrong telephone number. They ignore our complaints and continue to call us with their collection calls. We are ages XXXX, have NO debt, and do not want these calls to continue. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have been trying to get a modification with US Bank since XXXX. I lost my XXXX job for 120 days in XX/XX/XXXX from XXXX. I tried to send a payment in XXXX and they informed me that i needed to send XXXX payments in so they sent that payment back. i had just went back to my XXXX job. i had also lost my daughters XXXX during the same time so that put me a huge financial bind. they denied me XXXX and gave me several different reasons. 
!. I wasnt unemployed long enough2. i wasnt unemployed at the end of themodification3. did not have enough money ration at the end of the month4. it hadnt been long enough between my last modifcation. I file dchapter XXXX bankruptcy so now my mortgage is going thru the courts which makes it extremly tight with my income and im the only person working in my house of XXXX. i sent in another application on XX/XX/XXXX and had not heard any correspondence from US Bank until XXXX when myself and the housing agency WIN spoke with them. they told me i was missing my tax transscript form and i asked them why wasnt i notified of this in XXXX when i sent in my inofrmation? They told me they could not answer that question. I have NEVER spoken to my relationship manqger at Us Bank regarless of the messages i have left for her. she has not corresponded wiht my lawyer or myself or my WIN agent and we have left several messages for her. Federal regualtions state a mortgage company has 30 DAYS to correspond with you and US Bank is not doing this at all. They told me i could not pay my mortge until i sent XXXX payments in after i was unemployed and told them i had just went back to work so how was i going to do that? So this put me further behind in my mortgage causing all this conflict in which i am going thru now. they sent me another letter on XX/XX/XXXX and stated that my check stub information was not clear in which i sent them. i sent over my information via fax and i malied them hard copies just in case they could not read the documentation and the documentation mailed in was very clear. i feel that they are giving me the runaround and not following federal regualtions to get back with the consumer within a certain amount of time concerning a modification. I dont feel that US Bank is doing their part as far as corresponding with the consumer, the consumers lawyers to rectify the situation that cant potentialy benefit the consumer and their family. a process that should take no longer than 45 days has taken over 4 months with no final outcome. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have filed XXXX requests for a loan modification with US Bank. They sit on the application and do not follow the rules pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), Public Law No. 111-203, 124 Stat. 1376 ( XX/XX/XXXX ) .1 Rule 1.5.7thru 1.5.9. They do not make a determination within the guidelines. 
My last application was complete on XX/XX/XXXX. My counselor, XXXX XXXX, was told the file was complete by XXXX, point of contact at US Bank. They made a determination that I did not qualify because they did not receive my documentation on XX/XX/XXXX. This is simply not true. They told me that my file was complete and at underwriting ... sat on the file for more that 60 days and then said I was lacking documentation. They never notified me according to the rules that more documentation was requested or required. 

Company response: Company chooses not to provide a public response
Consumer complaint: Without any prior notice I received a letter dated XXXX XXXX, XXXX, stating that my AT & T Universal Platinum Card account, which was issued as a charter member in XXXX, was closed. I called several times to the Citi Bank number on the card ( Citi purchased the cards accounts years ago ), and received answers that bordered on the rude and who cares category. The latest person I spoke to was more than happy to reopen the account with a new application and credit report inquiry, and probably different terms also. I told him that no prior notification was provided, and his answer was " too bad ''. 
Under the Credit Card Act of XXXX, there is a provision that 45 days notice must be provided for changes in terms and conditions. No such notice was ever given. This card was not used a lot, but I do n't recall any new rules having been adopted that credit cards must be used all the time for everyday purchases. I realize that this might not get far, but if other people have had similar experiences, maybe some attorney might want to look into the practices of Citi Bank and their breach of contract actions. 

Company response: Company chooses not to provide a public response