AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: SWBC Mortgage - South West Business Corportation ... 
I interviewed several Lenders and informed them of my ultimate goal is to purchase a new home in XXXX, CO & need a lender that is willing to use income from my Rental properties. 
XXXX XXXX with SWBC said ; We can use Income from Rental Properties to assist with LTV and we will have all your information & documentation in our system as we move along in the process. But first, let 's start with Refinancing one of the properties. They approved me for a 75 % LTV w several stipulations, I met the stipulations but their system was not accepting them, so they had to reduce the approval to 70 % LTV. I asked what it would take to get qualified at 75 % and XXXX said ; I would need to increase my base pay to $ XXXX month. I informed him that I 'm having an annual review & expecting a substantial raise in XXXX and will contact him then to re-submit my loan. 
I received an excellent review and increase in pay to $ XXXX. I sent XXXX and copied the General Manager ; XXXX XXXX. This is the email I received from XXXX : " We are now using a new computer system and it 's been too long so we would basically need to start from scratch. We would need all new documents, appraisal, etc. 
I do n't have the capacity at this time to handle the new business so I 'm going to have to pass '' This is so 'UNPROFESSIONAL ''!! ... and wasted ALOT of my Time and Energy. 
So I contacted XXXX the General Manager to let her know how unprofessional this was and asked if she could refer me to another Originator and she started to point out all of the issues and challenges they had with the loan! ... .and when I started to tell her : I had NO idea there were issues or challenges, she started to get defensive and making false accusations at me ... I quickly realized from the reaction of the GM that I was being Profiled & Rejected due to Prejudice. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015 I called into A-1 Collection Agency to make a payment with XXXX XXXX XXXX ( ext. XXXX ), per an agreement from the prior month, that was confirmed by XXXX ( ext. XXXX ) whereby I paid the balance of one account off that would be removed from my credit report as a courtesy, and would begin a repayment plan in the amount of $ XXXX/month on the other account, preventing negative reporting on this account. XXXX XXXX ( the only name given to me ) stated XXXX XXXX was on leave & he 's the person I would be speaking with. I proceeded to inform him of my previous discussions, and he stated that I had been reported negatively to the credit bureau. I informed him that I was told that would not occur. Then I asked if the calls were recorded, and XXXX XXXX got upset stating that he was going to hang up on me for using abusive language. Not once did I use profane, abusive, nor threatening language. I simply inquired about the different information that I had been given from the young ladies versus his statement. He declined to inform me what was abusive about my language. I was practically pleading with him because it was as if he just snapped. I informed him that he would be reported if he hung up on me for no reason, and he proceeded to do so. I called back todayXX/XX/2015 and dialed the extension of XXXX, who had assisted me a few times before, and I was cold transferred to XXXX XXXX. I did n't speak a word to him, and ended my call because it was clear to me that he has flagged my calls and are having them routed to him. He is an abusive collector who uses his tone to intimidate, speak to, and treat callers poorly. All I want to do is pay the bill. Please have this call pulled and have XXXX XXXX reprimanded for his poor and threatening behavior. His methods are abusive, and he 's playing bully collector. He did n't have to call me to collect because I was calling in to pay. He declined to allow me to speak to a supervisor, and hung up on me. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Spoke with XXXX at XXXX XXXX. He reports the case is closed and all I need to do is dispute it to remove it from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed incorrect information on my credit report with Experian Credit Bureau and they will not change the reporting history on my account. I have submitted documentation to support my dispute, but they still will not change the history on the XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I borrowed XXXX in 2012, I have already paid back XXXX and I still owe XXXX more payments of XXXX the interest rate is 135 %. My car is broken and I ca n't afford a new one and still make this payment. they take out of my bank every month, I ca n't afford to stop paying and them harass me at work and ruin my credit with negative information. I was told this interest rate is not legal. I need help to learn what my options are? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I previously filed a complaint with XXXX and received a satisfactory response. However, XXXX and Trans Union reported inaccurate information on the same XXXX XXXX Bank accounts. Should n't XXXX Bank be held accountable for providing the same accurate reporting to all credit reporting agencies? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested to receive a credit report from Experian and was unable to do so online. I have gone into my bank where I have an active credit card and when they pull up my credit report through Experian, it says I am a minor when I am XXXX years old. I have tried to dispute this information from the credit score that I eventually received through the mail from Experian, but when I enter in the report number, it brings up nothing or says it is invalid. This is the report number that they issued me with my credit score. They also only provided me with my actual score, not a credit report/history. I am unable to dispute the wrong information that is saying I am a minor, which is also holding me back from being able to raise my current credit card limit, or obtain any new lines of credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used XXXX for years at {$9.00} a month, with no problems until Experian.com, the credit reporting company, merged them into their systems and they converted my account into an Experian account. Right off the bat their were issues, I could not access my account the first two months. When I finally got access they billed me for approximately {$70.00}. I called them to resolve the charges and all was ok until the following day when I received a cancellation notice from Experian. I called to complain and they stated that it is standard practice to cancel an account when a refund is processed, even if it is their billing mistake. I was floored, so in essence according to Experian they have never generated an incorrect bill and if you do not pay you get the boot and must change services, as if there are many credit report monitoring services to choose from. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or Madam : In each of the next reported items, I have uploaded and provided to Experian documents which substantiate my dispute ( s ) and I have asked for " potentially negative '' items to be removed or corrected. They have not been. I have asked for incorrect addresses and names to be removed and they have not. I have asked them to remove or correct the US Bankruptcy data which is incorrect and they have not. My list goes on and on and I am tired of battling with Experian. I ca n't call and talk to them with the number they provide because it is automated and request a person to log on to their web site. I live in XXXX, TX and I drove to their extremely large call center to speak with a real person and the security guard said that I would have to take a business card on the wall next to the intercom speaker and call them- it is the same number and I can not speak with a real person. I want this resolved and I want my credit cleared up. Experian 's negative and inaccurate reporting is costing me XXXX of dollars in paying high interest on loans, sky rocketing insurance rates and a list of other items due to their inaccuracy. Furthermore, I tried to open a savings account for my oldest child at a local credit union and they have a security freeze on my account which prevented me being able to open an account. There is a fraud alert due to a fraudulent tax return having been filed in my name, but it is not a security freeze and even when I attempted to " lift the freeze '' Experian shows no freeze ; however the credit union provided me with the documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our dental practice received an invoice regarding collections services from Capital Accounts. The services attempting to be collected upon are from patient accounts that were submitted to the collections agency from XXXX under a prior business owners name. 

Our doctor purchased the practice from the doctor in question in XX/XX/XXXX, however all account aging and collections from before the purchase of the practice remained in the prior doctors name and were forwarded to him via postal forwarding. 

Capital Accounts had been unsuccessful in collecting and or contacting the prior doctor and on XX/XX/XXXX someone from their office changed the name on the collections account to our doctor based off of our answering service. 

Once we received the invoice from Capital Accounts we contacted them for more information regarding the account and were notified by their representatives that the debt that they are attempting to collect is not ours. It was also at this time that we were made aware that they changed the name on the collections account after unsuccessfully reaching the prior doctor on our office number. 

During our conversation with Capital Accounts we made them aware that the account in question had been erroneously changed into our doctors name, and that we did not have forwarding or contact information for the prior doctor. XXXX continued to harass and make threats regarding why we were unable to provide information regarding the doctor in question. We attempted to resolve the matter and get a corrected invoice showing that no debt is owed by our doctor, however the harassment and threats continued until XXXX hung up on us. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a collection company to validate a debt which they have not and continue to report false information 

Company response: Company chooses not to provide a public response
Consumer complaint: A company has refunded my money in the amount of XXXX. They have provided documentation that they have refunded the money to my account. Netspend is saying they have n't received the money and told me they would n't make a decision on my claim until XXXX XXXX, 2015. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Kay Jewelers is reporting erroneous derogatory information to all XXXX of my credit bureaus. Upon opening a Kay Jewelers account I opted in a insurance payment coverage protection plan offered by Kay Jewelers. I utilized my payment protection plan when I became unemployed & the insurance protection plan covered my remaining small balance with Kay Jewelers. Kay Jewelers reported this account as a charge-off with a {$0.00} balance & with the original creditor as XXXX XXXX. This is not accurate. I utilized insurance offered by Kay Jewelers which paid the remainder of my account well prior to this account being charged off or in any derogatory standing. Kay Jewelers failed to apply the insurance payment to my account after numerous correspondence that it would be applied and leave my account open with a {$0.00} balance. After several failed attempts to resolve the issue I learned Kay Jewelers submitted the insurance payment that was suppose to cover my Kay Jewelers account to an outside charge-off company, which is a breach of contract. Kay Jewelers is willfully reporting erroneous information to all XXXX of my credit bureaus. I will continue to document & utilize every resource to get this issue resolved. 
Account_Number : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I, XXXX XXXX XXXX, was forced out of my home XXXX, by which US Bank, XXXX XXXX and its affiliates committed fraud, constructive fraud, civil theft, and breach of contract ; along with intentional infliction of emotional distress in order to provide them with leverage to be able to successfully foreclose on my home. 
Only as a result of my official complaint ( XXXX ) through the CFPB against U.S. Bank was I able to get ANY form of a response from their organization. As of XX/XX/XXXX, the Law Office of XXXX XXXX XXXX has instructed me to request U.S. Bank to provide me with the following additional documentation below:1 ) Life of the loan transaction history. 
2 XXXX Letter XXXX XXXX ) stating when payments changed. 
3 XXXX Court summons of eviction notice served by U.S. Bank on XXXX XXXX XXXX during the month of XX/XX/XXXX. 
4 XXXX U.S. Bank 's refinance/modification guidelines that stipulates how an applicant must be behind on their mortgage in order to be eligible for a loan modification. 
5 XXXX All decline letters for both refinancing and loan modification issued by U.S. Bank prior to XXXX XXXX XXXX every became delinquent with his loan payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015 I went online to EXPERIAN and thought I was taking advantage of a Great {$1.00} DEAL to see my Credit Score? While that deal was visible in a LARGE font, BURIED somewhere on that page in tiny print apparently was some nonsense about a subscription and a {$21.00} recurring monthly billing charge? Neither I nor I 'd imagine tens of thousands of other consumers are EVER aware of this subscription service and monthly credit card charge UNTIL it 's too late and they are stuck on automatic billing? To be VERY Clear, I did not seek nor intend ANYTHING other than a {$1.00} charge to my credit card for seeing my credit score on that day, I had NO IDEA of any additional financial commitment on my part. And ANY company doing business like this needs to be XXXX, this is an outright intended and deceptive, despicable business practice essentially " Tricking '' consumers into a monthly charge for a service they were n't aware of NOR Ever INTENDED to activate? I FINALLY Canceled the UNKNOWN subscription service, but of course they refuse to credit the {$21.00} service charge. I wonder how much money they 've 'snookered ' from others, I 'd bet its MORE THAN ENOUGH to Pay a HEAVY Fine to the CFPB! This is a SCAM, and made even worse given this just XXXX of XXXX ( XXXX ) MAJOR Consumer Reporting Agencies?? I 'd note these Credit Reporting Agencies still have n't suffered any COSTS, FINES or PAIN for their extensive involvement in the Housing Collapse and Financial Crisis? Please help me get my {$21.00} credited back and PLEASE make them add something BIG & BOLD, something that helps other HONEST CONSUMERS avoid this scam. Thank YOU! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was looking for a free credit report. EXPERIAN has created their website in such a way that they charge a dollar ( paid by credit card XXXX to view the report and sign you up for credit monitoring which can be cancelled within 7 days. The website is intentionally convoluted to make it easy to continue without checking what one is signing up for. Soon after, they start charging {$21.00} a month for said monitoring. 
When I called to request a refund, they refused to refund claiming the charge is valid. They further complicated the issue by asking me to request the refund in writing from their accounts department which would consider my issue on a case to case basis. 
I believe their web site is purposely built to trick users into paying for the so called credit monitoring. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to access my account at Citi.com so that I could pay my balance. I have n't used the card in a while and could not remember my password. Their online password reset sequence asked for my full credit card number, the security code, and answers to my security questions. I could not remember the answers to my security questions. 
I called them and spoke to a representative. He asked me for all the same information and then told me he could not reset my password unless I could answer the security questions. Typically, prior to this point, I am offered the option to email me a password reset link. He said that was not possible. 
I finally asked him to send me a paper bill so that I could pay my balance. He again asked for my personal data. 
I am concerned about identity theft, since I gave them the PAN and security code at least XXXX times ( XXXX online and XXXX on the phone ). Also, not being able to access my account electronically at all is bad business and unacceptable to me. 
1. Should I be concerned about this? 
2. How will my FICO score be affected if I cancel this card? 
Thank you very much. 
Regards, XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: company refuses to release fha case number required by other lender 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: During the months of XXXX, I was struggling financially as I was transitioning between jobs with some time inbetween. In addition, my significant other who lives with me was out of work. In the days between XXXX XXXX and XXXX, Bank of America has charged me over {$200.00} in fees which they refuse to waive. Many are overdraft fees for which funds were added less than XXXX hours after I received the notice. These fees are excessive and I can not afford them especially while I 'm in between jobs. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has given my information to companies not having a valid need for access and without my authorization. I contacted XXXX XXXX and XXXX XXXX ; and they claimed there is no record of contact from them nor am I in their system. XXXX XXXX and XXXX were, also, not authorized for access. The XXXX enclosed documentation has been disputed several times as the company, XXXX XXXX XXXX, can not show proof of debt. My records show a XXXX balance and they can not show a record for what the debt is for. Who wins on this one? 

Company response: Company chooses not to provide a public response
Consumer complaint: I subscribe to XXXX XXXX which is a joint venture of Trans Union and XXXX. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - Trans Union and XXXX respectively ''. 
Lender pulls my credit and the scores are XXXX Trans Union a XXXX point difference and XXXX XXXX a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for an XXXX XXXX credit card around XXXX. They sent me the card with a low limit because Experian said my credit score was XXXX XXXX XXXX has my score at XXXX ( EXCELLENT ). The paper work that XXXX XXXX sent me with the credit card said I could get a complete credit report from Experian without charge for 60 days after this date. I called the toll free # for Experian & went to their website. Each time they wanted a credit card number. This is not free. I contacted XXXX XXXX & they gave me their website which was supposed to have the credit report. NO RESULTS! 
What is the problem?? 

XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: debt collector put an old bill on my credit report, and changed the date from a early date to a later date 

Company response: Company chooses not to provide a public response
Consumer complaint: The company is not accurate in there reports, having a derogatory statement on a a credit summary report and not on the full credit report. Looking at my credit summary on XXXX XXXX, which is powered by Trans Union, there is a derogatory statement for XXXX dollars for something called XXXX. After looking at my full credit report through Trans Union, the derogatory statement is not there, implying that it does n't say where it is from or who is collecting and why. Thus I would like to dispute that the derogatory statement be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX my ex wife used my social security number and ruined my credit without my knowledge of her doing so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a credit card with Barclaycard Finance in XX/XX/2014 and I purchased a laptop from XXXX. In addition, I purchased little things over the last 18 months. I signed up for e-bills and I do n't use anything but their mobile application. When I log in to see my statements, there are no alerts or anything on their mobile application - just the transaction history. I called the other day and asked if I was on a 18 or 24 month promotional because I could n't remember and I had not received any alerts on the mobile site. When I called, she informed me that my promotional acctually expired and I am about get over {$700.00} in deferred interest. I asked how much of my balance was left and she informed my it was around {$1600.00}. My original purchase was about {$1600.00}. So, for 18 months, all my payments were going to the little purchases made instead of my promotional balances. The extra charges that I made on the credit card were no more than $ XXXX ( bare minimum finance charges that would bill ). I am highly upset by this. I would have rather the little $ XXXX {$5.00} finance charges billed than be billed over {$700.00}. I thought this type of payment hierarchy was against the law, guess not. I guess their take is - Better take care of the little finance charges and bill the customer the big deferred interest and ruin their credit as it will take them over their credit limit. 

Company response: Company chooses not to provide a public response