AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XX/XX/XXXX, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. This debt is from XX/XX/XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XX/XX/XXXX if all debts were discharged on XX/XX/XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and XXXX and they are refusing to delete. 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA restricted my ability to access their banking website after i filed bankruptcy. 
Is this legal? I ca n't make deposits or set up electronic bill payment or transfer funds from trading accounts to bank accounts. I want to be able to access and manage my accounts through their main website. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank HELOC team informed me that they would correct my late payments once my account was up to date. The representatives were trying to help me modify my HELOC. The process did not work and I ended up paying every penny back on my own. It 's been a while and I am trying to buy a home, my mortgage broker told me this account is holding me up. Can someone help me? Please. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015, US Bank rep. XXXX telephoned me and said my business account information was found on a known cyber-criminal USB drive, and an individual who was a target of a scam had my bank information and was instructed to pay $ XXXX account fraudulently. I explain I had " NO '' knowledge of what he was talking about and that it was the first I heard of it and there were no irregular deposits into my account as he could verify. He told me they would close my all my accounts and wire my funds to another bank, which they did on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 they reported XXXX " Report For : SUSPECTED FRAUD ACTIVITY ''. This reporting caused XXXX banks to close my account until I can clear the matter. I can not open a bank account anywhere because it appears like I was the one who committed fraud. Instead of someone illegally had my account information on a USB drive and No single person put any unidentified money into my account ever. I have been a victim of identity theft for my business, yet they attached suspected fraud to my social security number. Now I am Blacklisted a Fraudster, with their unfounded character assassination. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Karma is NOT to be trusted! Requested my free credit report & score & know I have a detailed credit report file because I have paid directly to XXXX in previous years & know they have because they delivered said report. I have struggled tremendously via email trying to give more information in order to get report. Also handed over my phone number as well. The other end was completely uncooperative, sent me dead links, & now I completely distrust the integrity of this company & its proclaimed services. Also searched for corporate contact numbers & XXXX number lead to a voice message referring to website ( dead end ) & the other was invalid. 
Credit Karma XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact Credit Karma Phone Number : ( XXXX ) XXXX Fax Number : Website : XXXX : //www.creditkarma.com Email : Email Credit Karma Executives CEO : XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: There was an update on an address that was just updated and its not mine I want it removed and investigated 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX XXXX NO MISSED payments/ NO BALANCE cancelled due to loss/ stolen XXXX reported XXXX XXXX XXXX 11 years ago. 
can not reach anyone regarding account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX Issues : 1. In XX/XX/XXXX, Citibank 's system mistakenly stopped my automatic payments which resulted in a negative report that I was late. I fixed it immediately by paying and they put me back on autopay. The agent said they would put in a request to remove the negative item, but apparently they never did because it 's still on my report, affecting my credit. I called today to follow up. They had no reason for failing to have it removed. They are " investigating. '' 2. Misrepresenting a deferred payment promotion. At Best Buy, I bought an IPAD in XX/XX/XXXX. The Best Buy agent told me it was XXXX interest, and if it was n't paid in full, then I start paying interest at that time. He never disclosed that I would be charged for BACK interest! I never would have signed up for the promotion had I known it 's true nature, or I would have made sure it was paid off within the time period. I do auto payments religiously so had no idea what happened. Then, I found out that my credit is negatively affected bc of Citibank having my account OVER my credit limit due to the back charged interest, of over {$500.00}! The IPAD cost that much for goodness sakes. I offered to pay in full, minus the deferred interest, to which the supervising customer service agent said he could n't do anything, and there was no one else I could talk to. I said, not even general counsel, a VP, another supervisor? In the entire Citibank organization, there is no one? He said, no. 

This card is the only negative item on my credit report. It has hurt my credit, and is now subject to inquiry when I seek credit. Citibank refuses to rectify either situation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: wells fargo has not reported correct information. My credit scores still read that I have not made a single payment since 2008. Wells fargo has been contacted in the past by XXXX XXXX about the payments. She is the other member of the JOINT ACCOUNT. SHE HAS ALREADY SUPPLIED ALL THE PAYMENTS FOR THE PAST 5 YEARS. Wells Fargo has yet to update my information. I have recived a useless phone call from a useless person who refused to go over information and was more worried about verifying information. It is now at the point where the mortgage has been transfer to bay view loans with incorrect information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Synchrony Bank ( working for XXXX ) is not giving appropriate time to receive my billing statements & for me to return payment before they are charging {$40.00} late fees. Synchrony Bank customer service & their supervisor say that they are only required to mail my bill 20 days before the due date, but it is taking 10 days for me to receive the statement. Then, I mail the statement back with payment with 2 days of receiving it ( which is not always feasible if I am traveling or it falls on a weekend ), and then they are taking up to 10 DAYS TO PROCESS THE PAYMENT!! They seem to deliberately be delaying the process, and then THERE IS NO GRACE PERIOD AT ALL before they charge a {$40.00} late fee on a {$200.00} payment/installment. They have charged me {$120.00} in fees in the last year and a half, and I have made every attempt to send my statement back within a couple days of receiving the bill. Customer service was no help at all and said they are n't even required to send me a statement?? I think they are intentionally dragging their feet on processing payments to charge huge late fees!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was trying to cash a small check and was denied. Called Certegy and disputed the charge that they had on file which was dropped. After receiving a letter today, I noticed a check presented to XXXX store XXXX check # XXXX on XXXX/XXXX/15 for {$94.00} that is not mine. I do n't write check except for my utilities. Very concerned since its my State I 'd # bit not my check. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a thirty year fixed mortgage with Shellpoint. XX/XX/2015, mortgage payment increased from XXXX to XXXX. Payment was increased due to increase in escrow amount. When I refinanced the loan I was given the option of palcing any increased escrow amount to the back end of the loan.That is how I wanted the icrease in escrow to be addressed.They are also charging a XXXX service fee for processing my payment through XXXX XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took out a home mortgage with XXXX ( a mortgage broker ) with the first payment due on XXXX. XXXX immediately transferred the mortgage to XXXX to whom I made payments from XXXX through XXXX. In XXXX XXXX transferred my mortage to XXXX XXXX to whom I made mortgage payments to from XXXX through XXXX. 
On XXXX my mortgage was sold to Select Portfolio Servicing Inc ( SPS ) From XXXX to present I have made the remaining mortgage payments .I have documented proof from my bank confirming that all payments have been made ( on time ) and yet ever since the loan transfer from XXXX XXXX XXXX XXXX I have received monthly notices that I am I am behind a payment. I have tried relentlessly to clear this issue up and even hired an attorney to intervene on my behalf but without success. 
The attorney was concerned that the legal cost of entering into a lawsuit may outweigh the benefit of resolving my issue. At this stage I am now being charged monthly late fees and am getting calls and letters from collection agencies even though I am current on my mortgage and have been on time and am current with all payments. I am desperately looking your assistance in helping to resolve this issue. 
Sincerely XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2015 I purchased a car from Drivetime in XXXX. I was given temporary plates and was told that my permanent plates would be mailed to me. The expiration date on the plates was approaching so I called. " They are on their way. '' I called everyday for 2 weeks. Nothing. My son went to the store for me and was pulled over, 1 day after the temps expired. He was ticketed. I went to the Drivetime store and spoke to XXXX, the GM. He stated, " I am so sorry. Your car 's file was placed in a drawer with some others and the paperwork for registration was never sent out. '' He then proceeded to ask for the ticket and my insurance information. He stated, " I will make sure this is taken care of before the court date. It was our fault. This is our responsibility. '' I was given another temporary plate and when I asked for the original ticket, he said he needed it for payment. 
Through XX/XX/XXXX I have been calling, and following up. It escalated to Customer Relations where I was speaking to XXXX. Per XXXX only part of the initial ticket would be paid even though XXXX said it would all be taken care of. And then when I called again, I was told by another rep that XXXX would no longer be taking calls from my on this matter. It was considered closed. 
We have not received any letter from the courts so we thought the matter was indeed taken care of. My son, who is now XXXX, is swearing into the military this week. We find out that NOTHING has been paid and my son has WARRANTS!! When I call Drivetime, I speak to XXXX who has to " research '' this because it has been 6 months and then says, " If I were you I would get a lawyer. '' Then she follows it up that they will only pay a partial cost of the fines as XXXX initially stated. 
I 'm sorry but after almost a year of fighting with this company, not even including the mechanical issues I have had with the car is just to much! If they had done their job filing the paperwork there would never have been a traffic stop to begin with. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear XXXX. 
I offer them a XXXX payment on the account to have the account paid, and have my credit card report clear. 

Thanks for your time and attention XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed an account with Citibank with a XXXX balance. They did not close the account, even though I have a receipt saying it is closed, then charged me fees to keep the account open. Since the account had a XXXX balance it was overdrafted and they charged me an overdraft fee on top of that. I overdrafted an account I closed because of a fee they charged to keep my account open. Then they preceded to call me twice a day to collect even after I told them to stop calling me to collect a debt they created. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Mortgage servicer ( SLS ) would not accept electronic payments from my bank scheduled on XXXX/XXXX/2016 for receipt on XXXX/XXXX/2016 or XXXX/XXXX/2016 ( the last 2 days of the grace period for my mortgage loan ). This was noted by both my XXXX XXXX and XXXX XXXX XXXX checking accounts - when the respective Bank 's bill pay centers stated " SLS would not allow payments until XXXX/XXXX/2016 or later ''. All my other electronic payments to XXXX XXXX, XXXX, etc. were accepted as scheduled by the vendors for the day after the payment was submitted ( as submitted before XXXX ) - or XXXX/XXXX/2016 for payments I submitted today ( XXXX/XXXX/2016 ). SLS will accept payments made through XXXX XXXX or their own website - XXXX for a fee - but are now restricting customers from using their bank bill pay services at or around mortgage payment cutoff. This is wrong - in that they should accept all forms of electronic payments on equal terms. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This account was originally a JC Penney credit card that was opened in XX/XX/XXXX. Because of financial problems at the time I was unable to payoff the balance of {$75.00} at which time GE Capitol assumed the debt and adding additional fees. I do n't know how or why XXXX XXXX assumed the debt and they are claiming the account was opened in XX/XX/XXXX. This original debt with JC Penny is well over 7 years old but it still appears on my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Lakeview Loan Servicing sent me a letter via XXXX soliciting me to refinance my mortgage. The letter implies that they have taken over the loan from my current mortgage holder XXXX. I do n't believe this is true. The solicitation via XXXX and the implication that they are now my mortgage holder and therefore can offer me special terms for refinance are misleading. In addition, the offer has a deadline of XXXX/XXXX/XXXX. Why the urgency of a XXXX mailing and a stated deadline if the changes to the FHA Streamline Refinance Program were announced XXXX/XXXX/XXXX? The whole thing - the approach, the offer, the terms - is packaged in a way to confuse and mislead. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account HUNTER WARFIELD via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 
On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing HUNTER WARFIELD the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that HUNTER WARFIELD stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX/XXXX/2016 I had statement cut with a balance of {$28.00} with a due date of XX/XX/XXXX. I believed I had auto payment on from my checking account which I evidently did not. I was charged a {$25.00} late fee and {$25.00} in interest. 
The {$25.00} interest charge is the most troubling since that 's over a 1000 % APR on a {$28.00} balance. 

On XXXX/XXXX/2016 I noticed my XXXX XXXX and XXXX XXXX credit card accounts had been closed when I went to sign in to it presumably for this late payment of {$28.00} on a {$14000.00} credit line. I immediately paid all outstanding charges on both cards including all fees even though I think the interest rate is suspicious. Barclays never notified me cards had been closed luckily I had n't tried to use it since it was, that would have been a very embarrassing moment I do not wish to have my XXXX account reopened, but I would like the {$1500.00} in rewards on XXXX and {$4.00} on my XXXX XXXX card that I saved up for months so that I could use on my trip to XXXX next month to run in the XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit is too old .should be removed from my credit after 7-10 years and it has been past that 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a dispute regarding claim XXXX. I received a XXXX package on XXXX/XXXX/XXXX, duplicate of XXXX package. Still no explanations. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my property taxes were assessed as a business instead of a residential property. It was a {$400.00} or more increase. XX/XX/XXXX, I paid XXXX in taxes. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my property was assessed as residential, this is when my PMI insurance went up. In XX/XX/XXXX my PMI was prepaid XXXX according to my HUD statement. XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( up XXXX ), XX/XX/XXXX I paid XXXX ( up XXXX ), in XX/XX/XXXX, XXXX ( up XXXX more dollars ). XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX. When my property taxes go down my PMI insurance goes up. This type of fluctuation deserves an explanation. I also have not received and explanation of the escrow shortages. Wells Fargo owned the property when I purchased it, it was over appraised at XXXX so FHA would insure it. My mortgage was executed@XXXX, in which it 's only worth. The property never had a clear title. The loan was not within FHA downpayment assistance guidelines. Wells Fargo did n't disclose the lien, but tried to hide their identify by transferring it threw XXXX XXXX XXXX. The lien was very apparent, but the property was continuously sold. My property have be reappraised and reassessed, sold, allegedly transferred, but never assessed, until five years later, which not executed by me. Enough is enough. You ca n't get my money and not give me and explanation on what Is going on with my loan. Still waiting on answers. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016, I attempted to resolve an issue with Certegy and their agent or subsidiary Complete Payment Recovery after a billing error at a merchant ( XXXX XXXX resulted in a returned ACH debit. Certegy steadfastly refused to document the dispute or continue the conversation unless I provided my driver 's license number, which the merchant does not have and which was not used in any way in my account relationship with the merchant. There was no question of my having established my identity to Certegy 's call center, since I had verified my name and had received their subsidiary 's notice at the address they had for me. The only reason for them to obtain my driver 's license number would be to attempt to decline checks and humiliate me in a retail store that used their service ; their flimsy " for verification '' excuse for demanding the information reeks of the same " for verification '' excuse used by fraudulent telemarketers phishing for social security and credit card account numbers. 
I offered during our conversation to pay Certegy the full amount of the returned ACH debit, as they had already advanced that amount to the merchant. They refused unless I paid their fee as well, and would not discuss the fact that the fee was caused by their client and not by me - unless I gave them my driver 's license number. 
XXXX would think that in an environment where consumers and organizations alike are vigilant about identity theft, a company like Certegy would make an attempt to resolve disputes without collecting information unrelated to the disputes themselves. In this case, however, it is clear that collecting the money is only a secondary concern for Certegy. Their primary concern seems to be creating a complete biography of this consumer so that that information can used for their profit. 
I have chosen to file this complaint under " credit reporting '' because it is my belief that Certegy is a consumer reporting agency as defined in FCRA. For as long as they claim they do not have to resolve our dispute, I risk having Certegy report inaccurate information to other consumer reporting agencies, which will damage my ability to obtain credit or change employers. Their behavior in this case, if they report the inaccurate information or attempt to humiliate me by declining a check in a retail store, may very well be actionable apart from the instant dispute. 
I have attached the mailed notice from CPR and a copy of my complaint to XXXX which includes some more details. 

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