AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: see attachmentthere are numerous errors and Experian has refuse to send information per my letter. Experian delays process over and over again. I need the information I requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: Description of the complaint On XX/XX/2015 I started a fraud claim. Somehow XXXX XXXX was put on to my account when I strictly said for her to NOT be on there. She opened up a total of like XXXX accounts in my name and drained me. I had {$50000.00} in a premier savings account not to be touched for a year for my kids, {$50000.00} in a regular savings not to be touched and the other ruffly {$120000.00} into the checking account. I did all the paperwork and sent it in from the branch on XX/XX/2015 and was on the phone with XXXX with the fraud department and she advised me that it was so obvious that it was fraud. We went threw every transaction and she said it was pretty cut and dry and I should have my money back in XXXX days. I have still not gotten anything back. I have called and been told that if I keep bugging they will keep it open forever and that I will never get anything back at all. Even sitting in the branch the other bankers were astonished and appalled at what I was being told and how I was treated. Due to this I have been starving, no electric, no water, ect cuz no bills can be paid. My kids had no XXXX or anything. A total of {$200000.00} was stolen. 

How complaint can be satisfactorily addressed My Money be refunded in a extreme quickness. I am also going to be switching banks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage was approved for 2MP program in conjunction with my current and in good standing HAMP modified primary mortgage. Instead, the bank sold loan without any notification to borrorlwer while the loan was supposed to be in the process of modification. As per HUD 2MP program. Loan was " lost '' for two years with no communication even attempted with the borrower during that time. Borrower did escrow modified payments on her own, believing that the loan was being modified as was promised by lender. Loan re-surfaced 36 months late with a new servicer who had made no communication attempts with the borrower, already in foreclosure with a sheriffs sale scheduled. Please help. This is our home and where we are raising our children. please help us get what HUD already assured us was in the process of being done. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received XXXX different checks and while waiting to see if they would clear they put a stop payment on it. It made my account go way negative and what do you know, wells Fargo made it to where you could only send direct deposit. They took my XXXX check and I have had to go without for a whole month. You figured that they knew what happened and closed the account for me, that they would 've abided by the law and not take my whole payment. I have this in progress as a nasty complaint. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A company ( XXXX ) whom we had over a 10 year relationship, has charged us with a {$1100.00} early termination fee on claiming we had a one year contract, which we do not. They had sent us to collection and threatening to ruin our credit record. They have refused to produce the said contract ( since it does not exist. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX, my mother, XXXX XXXX of XXXX XXXX XXXX ( XXXX . XXXX ), XXXX, XXXX, decided she wanted a medical alert system because of failing health. Since she was hard of hearing, she asked me ( her daughter ) to telephone XXXX XXXX in order to purchase the service. 
I subsequently called XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( tel. ( XXXX ) XXXX to arrange service on behalf of my mother. During my conversation with their representative, I explained that my mother could not speak with them because of her XXXX, but she would be responsible for payment of the service. I then gave the representative my mother 's debit car number which was subsequently charged for 1 year of service in its entirety. 
My mother passed in XX/XX/XXXX. She had no estate so I notified all creditors, including XXXX XXXX, of her passing. 
Approximately 6 weeks ago, I received a notice from BYL Collection Services, LLC of XXXX. XXXX XXXX, XXXX, XXXX XXXX, ( Tel. ( XXXX ), that they were attempting to collect a debt I owed XXXX XXXX in the amount of {$390.00}. 
My husband then sent a letter to BYL asking for more information and they simply sent a letter demanding payment with no explanation of why I owed this debt. 
I feel very strongly that this is an attempt by Medical Alert to collect a phantom debt because I assisted my mother in signing up for the service and they had my name and address which I provided at the time of the transaction. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Around the first week of XXXX I tried using XXXX of my Bank of America 's credit cards and the transaction was declined. Then I tried using a XXXX Bank of America credit card and that transaction was declined. I called the credit card company customer service line and I got a lady with a XXXX accent. I recorded the conversation. She informed me that my cards were fine. After I told her about the transactions declined, she look into it more and said the accounts were suspended due to late payment. First of all I paid the XXXX account that was late on the same day they so called suspended it. The other account was never late as there was an auto draft on my checking account for its payment. 

I went into the branch on XXXX XXXX in XXXX to get further information the next day. I was informed that my credit cards were closed. They never once sent me any notice they were going to close my accounts. After talking with the rep she called the credit people and ask them to reopen my accounts as they were current. 

Today I when I arrived home, I had XXXX letters declining to reopen my accounts. In XXXX letter they claim they pulled my credit report which I specifically revoked any consent of doing so at the bank. This is a violation of the FCRA. 

I want someone from Bank of America to reopen my accounts and let 's continue to do business. 
The account numbers in reference are XXXX XXXX and XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans Union is not responding to any of my numerous requests to investigate and remove accounts and inquiries from my credit report that were fraudulently opened. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Bank of America account was hacked and frauded of {$9500.00}. Someone acquired my information and deposited checks into my account and then withdrew the money from my account and I was n't notified by my bank about any of this activity. My account was forcefully closed and I have a negative balance of {$9500.00} that the bank says I 'm liable for. I filed a claim and was told that I would receive papers to finalize my claim but instead they asked me questions over the phone and took my claim that way. My claim was denied within 24 hours and I have inquired about appealing my denied claim but no one will take my questions regarding that. I just want the debt resolved as I did n't write the checks or authorize any of the transactions that occurred. 

Company response: Company chooses not to provide a public response
Consumer complaint: SPS sent a letter dated XXXX XXXX, 2016 regarding insurance coverage on my residential property. In the letter SPS indicates it is the mortgage servicer on a certain account number. It is hereby noted that the account has no relevance to us or to our property. There is no signed contract or agreement or any relationship between us and SPS. We have written to both SPS and CFPB about SPS 's absence of authority. SPS has admitted in prior communications that it is NOT the servicer of this account or any account in connection with us or our property ; that SPS has made contractual arrangements with third parties for SPS 's own profit ; that SPS has harassed us ; that SPS has not proved and is unable to prove that we owe any debt. Without proof of specific legal relationship, SPS is an illegal, unlawful " interloper '', without any rights whatsoever. SPS has no authority to " urge '' contact with our insurance agent to advise that the policy should be billed to Select Portfolio Servicing, or to include them as " Standard Mortgagee '', or " ITS SUCCESSORS AND OR ASSIGNS ''. Therefore we ask AGAIN that SPS CEASE and DESIST communication and DELETE this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company has placed an account in collections in 2015 for a payday loan from XXXX. It 's been over 7 years so it should no longer be reported on my credit not that it was just placed for collection so that it will fall off my credit in XXXX. I have not received any written communication from these shady people either. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Nations Recovery Center XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to XXXX XXXX XXXX XXXX XXXX, XXXX in the amount of {$780.00}. I sent a letter to Nations Recovery stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from XXXX XXXX XXXX. I feel they are pulling information from XXXX XXXX online court system and trying to fraudulently trying to collect money from me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing to report that neither XXXX nor Ally Financial did n't work on my dispute case properly. XXXX did not remove wrong information from my credit report after filling in a dispute. This was a leased vehicle through Ally Financial which was terminated earlier and paid in full - accordingly - directly with Ally Financial. The vehicle was returned to a XXXX dealer. Subsequently, I have received a letter from Ally with the remaining balance and paid in full immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I simply requested the reason why my score dropped from XXXX to XXXX. I was informed this information was not available. 

Company response: Company chooses not to provide a public response
Consumer complaint: Gla Inc. Repeatedly calls my cell phone every day, at least five times per day. Gla is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: yesterday i checked my credit report through XXXX and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : REMEX INC their phone number : XXXX XXXX XXXX their mailing address : XXXX XXXX XXXX XXXX, NJ XXXX -- -- -- -- -- -- -- - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX I didnt authorize them to do this to my credit report, i didnt give them my informations and it didnt use any service from this company before so : 1- I need to know who gived this informations to this agency 2- I need them to delete this incorrect informations from my credit report 3- kindly they have to get this collection account removed from my credit report unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have contacted experian, but they refuse to help me. I have a XXXX home loan on my credit that belongs to a family member. That same family members personal information ( name, address ) is also listed on my credit report, as well as their paid off car loan, and some past due bills. This is something that is stopping me from bettering my credit, and buying my own home. I do n't understand how it is legal for experian to put incorrect information on someone 's credit report and on top of that refuse to fix the situation! And something as big as a home loan should be taken extremely seriously when it 's placed on the wrong person credit, but experian does n't not care, they think that the name is close enough so they put it on your credit, or the social security number is ALMOST correct so they put it on the person 's credit. This is ridiculous and should be unacceptable! I want it fixed! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: RoundPoint Servicing employs fear mongering to trick customers to sign up for there electric statements. Lying about statement content in the process. 

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX : RoundPoint Servicing sent out a mass email and letter in which the company warned customers that full social security numbers are sent on all mailed year-end statement, and that account holders should protect themselves by signing up for online only statement. 

Direct quote from email below : " ENROLL TO PROTECT YOUR IDENTITY Did you know your full social security number is included on your year-end statement? 
Sign up to access your statement electronically to reduce the risk of fraud and identity theft that comes with receiving paper statements. '' Had this been true Roundpoint would have been literally advertising to the public where every RoundPoint 's customers social security number can be stolen from. They should be better stewards of there customers private information. There is no reason to send out any mass email that states where sensitive or confidential customer will be located and when it would be sent out. 

I digress, I did not immediately notice the email but later in the month when I received the mailed letter I become worried and signed up for the online statements. AFTER signing up for online statement Roundpoint informed me that my submission was too late and would go to into effect until next year ( XXXX ). After I signed up I was informed I could not go back to paper statements. 

When i received my year-end statement in XXXX XXXX my full social security number was NOT included. Instead only XXXX followed by the last XXXX of my social. 

RoundPoint was clearly employing fear mongering tactics to trick customers into signing up for there electric statements. Had the company honestly stated that only the last XXXX of my social would be included on year-end statement, I would not have signed up for electronic statements. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Mitchell Rubenstein and Associates has only XXXX person answering phone calls and returning messages. It took more than a week for me to finally get to speak to a human being and I had to call 6 times in a row in order to finally get a human. I received notice on Thursday XX/XX/XXXX that they had placed a garnishment freezing all of my accounts and my family 's accounts at my employer and financial institution. I began calling immediately and could not get a human - just an answering machine. I left several messages and received XXXX message back on Weds XX/XX/XXXX at XXXX. Today XX/XX/XXXX I called six times in a row in effort to finally get someone to talk to. Her excuse was she was the only one answering the calls and that they were a little short staffed. Here I am trying to pay a bill and ca n't because they 've made it impossible to pay them unless I want to offer my frozen checking account information to them via internet or phone system. Being a victim of recent identity theft through the IRS I did not feel comfortable in sharing that information without speaking to a human being. They should find more people to handle their business or perhaps not handle as much business until proper service can be provided. Worse yet I could n't pay them unless I borrowed money from someone and pay them back when my funds were released at my financial institution. If I issued a ACH debit through their system it would be returned due to the freeze they put on the accounts. " A catch 22 '' as the agent at Mitchell Rubenstein stated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a card relationship with Barclays for years. I went to use my XXXX XXXX rewards card today and it was declined. When I called in I was told all of my card accounts were closed and would not be reopened. I would like my account reopened as I have done nothing to cause my account to be closed. 

I 've always paid my bills on time and hardly purchase anything on it, I never let the spending be higher than I can afford to pay monthly. My credit history and score are very important to me. 

Please contact me via email or through CFPB. Again, anything that can be done to preserve my relationship with Barclays I would greatly appreciate. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm handling the estate account for my deceased domestic partner. I went to Bank of America on XXXX XXXX, 2016 to withdraw the funds from his account to transfer into the estate account. The helpful and friendly employee helped me submit my initial request and I was told I 'd hear something from them in 7-10 business days. I heard nothing from BofA in the following month. I went back on XXXX XXXX, to see what was going on. BofA generated a letter on that date, which was in the account computer files, accessed by an employee at the branch. I never received that letter from BofA by mail. The same employee helped me submit the rest of the paperwork that was now required. We sent the notarized documents via fax to the appropriate department and I was told I would receive a check in 7-10 business days. I heard nothing from them in the next 5 weeks. I went back today, XXXX XXXX. I worked with the same employee from the second visit. She said that the department was supposed to contact the XXXX XXXX 's Court with a question, but they had failed to do that in the five weeks between visits. She was appalled, helpful and very apologetic. I do not understand why it has taken 3 visits and more than 2.5 months to get this resolved. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The agent was unnecessarily aggressive and argumentative, and obtained personal information ( dates of birth, insurance company information, etc. ) that, in retrospect, I do not believe he was entitled to. He tried to obfuscate the fact that he was with a collection agency and not part of the company that provided the service whose bill was being collected. His tactics were targeted towards getting me riled up, by being argumentative and rude. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX experience and XXXX and all other national credit reporting agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX, I went to a doctor through an appointment XXXX. The doctor told me he was going to put on XXXX only and I asked since it was basically a hard XXXX covering if I could do it myself if it was going to be costly. The doctor said not to worry about the cost, that the insurance company would pay for it. I confirmed this again with the doctor that I could n't afford a costly covering for my fingertip. I was told again by the doctor not to worry about the cost but to make my {$35.00} copay and insurance would handle the rest -- stating also not to pay for any difference that may be billed. I then received a bill from the doctor 's office for {$530.00} of which my insurance paid {$160.00} stating that I owed the remaining {$370.00}. I repeatedly called ( XXXX has documentation that I called numerous times in regards to the charge in an attempt to resolve. They claimed that the doctor would return my phone calls, which i never received a call hence the repeated calls by me ). After not receiving a call from the doctor, I concluded that this issue was resolved as there were no additional billings received until receiving a collection letter that was dated XXXX/XXXX/XXXX from Merchants Credit Guide Co. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Open XXXX charged me for a debt that is incorrect and would not attempt to resolve and debt collector will not fix. 

Company response: Company chooses not to provide a public response
Consumer complaint: Tradelines are on my credit report that are not mine. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made a large sum to pay off my credit card account with bank of America. I was assured that since i have paid the full amount and closed my account I had no more payments. A month or more later i found out that they had sent a payment that was charged a couple of days after i had made a payment, to the credit bureua as past due. I immediately called them and and requested information on a payment i was told i would not have, they explained that this interest charge was due to the fact tht i did not completly pay off the account. After the reviewed the account better they saw that i had indeed paid the full amount and that the past due payment was placed on my account a couple of days after the final payment. They stated that i would have to pay the amount or they will proceed with collections.I made the full payment and was again reassured i would not see any more charges and that the account will be closed by the end of the billing cycle. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XX/XX/XXXX I have had a mortgage loan with Bank of America. On or around XX/XX/XXXX I contacted the bank to request a lower interest rate and the bank indicated that my only option would be to refinance. I submitted my application at that time with the bank 's offer to reduce my APR from 4.785 % to 2.785 % and our monthly payment from {$770.00} to {$580.00}, however, after more than two months of requesting an excessive amount of documents, XXXX different loan officers, and a {$470.00} application fee, the bank decided to close my application because of " Excessive obligations in relation to income '' and I was told that I would need to start all over if I wanted to apply again. The refinancing was based on my income alone, same as the original loan, however, my wife worked and continues working full time as a teacher, nearly doubling our household income, both of us have excellent credit and have not missed any payments. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response