AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a vehicle loan that shows on my credit report from CarFinancewhich constantly reports me late and now show repossession. Also Myloan amount was for {$23000.00} and I have paid 20 payments at $ XXXX/mowhich is {$10000.00} and CarFinance is telling me that my balance is {$25000.00}. REALLY??? In addition, I have a letter from XXXX stating thatthey will remove the item from my credit but they are useless as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy in 2014. I reaffirmed my auto loan with DriveTime or DT Credit. When the bankruptcy was in process, DT Credit removed everything from my credit report pertaining to this loan. Once the bankruptcy was closed DT Credit will not report to any credit companies and the loan is nowhere on my credit reports. I have tried to traded my vehicle in and have been unable to because its like that loan does not exist. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Disputed previously with Transunion. 
XXXX XXXX Reporting is outside of the statue of limitations. Date opened was XXXX/XXXX/XXXX. It is XXXX/XXXX/XXXX. In the State of Ohio, a debt can only be reported for up to 7 years. This has been on my report now for 8 years and 11 days. I want this removed from my credit report within 24 hours, and a reward of {$25000.00} for Defamation of Character. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After exercising my right to legally terminate my lease, XXXX XXXX XXXX has put a collection against me for XXXX. They hired Fair Collections and Outsourcing who still has a collection against me that is effecting my credit score and almost cost me my chance to rent an apartment. They have also put this collection on my former roommates credit, as well as her co-signer 's. 

Clearly the allegation of debt is BOGUS, for not XXXX, but two reasons : ( 1 ) If apartment was re-rented in XXXX, the only rent we could possibly owe, if owed at all, would be for XXXX, which was {$1400.00}, NOT {$4400.00}. And ( 2 ) we legally terminated the lease, irrespective of re-rental, effective XXXX XXXX, 2013, as explained in full in your letter, dated XXXX XXXX, 2013. 

We 've sent them documentation in 2013 which contained the law that our former landlord broke that legally released us of this debt ( such as work work they refused to do to keep our building safe - like faulty lights and electrical outlets, plus the law they broke about rerenting our apartment once we left which then releases us of any debt. ) In XXXX of 2013 they wrote in the letter that we had 30 days from receipt to dispute the validity of the charges. We called their service department and was asked to e-mail documentation to them to support our cause. We never heard from them from that point. 

I request that you investigate these chargers and ask them to remove these faulty claims. We worked with the XXXX XXXX XXXX and they have all the documents that support our case. XXXX did not take us to court as they threatened but we will happily do so if these charges are not dropped. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened a checking account with Bank of America after receiving a promotional offer. The offer was to give me XXXX Alaska Airline miles for opening an account and making XXXX direct deposits within a certain time frame. I completed the requirements within the specified timeframe and called twice to confirm with supervisors that I met the requirements before the promotional period ended. The supervisors confirmed I met the requirement on XXXX separate occasions. 
It has been approximately 7 months since I met the requirements and I have not received the miles. When I call BoA they keep transferring me and I do not get an answer. On XXXX occasion a person told me my deposits did not qualify but I told that person I was told twice already they did. The person said he would forward my request to the promotions dept but I never heard from them. 
To be told after the promotional period they deposits did not qualify leave me no recourse to rectify. I opened in good faith the account and did all I could to meet the requirements and verify I met during the promotional period. The result of what I got was long delays in responses, no solid answers, and no miles. 

Company response: Company chooses not to provide a public response
Consumer complaint: Through a nasty divorce, I was awarded the family home which was in serious default. My ex ceased making pmts XXXX. I was out of state due to my father 's death ; my ex started drinking heavily ; and landed in jail for 5 months. I filed for divorce XXXX & the judge restricted my ex from the house. I was living with my son for personal safety. The house was vacant XXXX - XXXX when I moved back in after being awarded the house in the divorce. I first went to HUD in XXXX to work with a representative on how I could keep the house. In XXXX XXXX, I tried to reach her and found out she was no longer there! At that same time, US Bank assigned a Relationship Mgr to be my point of contact while requesting pmt relief/modification. XXXX, I was assigned another Relationship Mgr! Since XXXX, the only communication from either of these XXXX Relationship Mgrs has for me fax the same documentation that I have faxed numerous times before! No one will tell me the status ; what the next step is ; nothing! And then when questioned, I was told US Bank will not put in writing the process or time frame! And now I find out I have to start the process all over again because I did not receive a packet the Relationship Mgr was to send me in XXXX XXXX and never returned my calls letting her know I had n't received it!! I have even rented out XXXX bedrooms in the house since XXXX as well as the shop! And have provided over & over again proof of this by way not only bank statements but copies of the checks! The interest rate is 8.9 %! 
I need to be able to speak to someone that can help me. I have done everything they have asked of me and I ca n't get any of the same courtesy back. If they are n't willing to help me, then they need to let me know so I can go on with my life. It 's the not knowing that has added for much stress and it 's effecting my health. Can you imagine living in fear that XXXX day there will be a knock on the door and being told you have to vacate? I live with this daily and my boarders ca n't sign a long term lease because I DON '' T KNOW WHAT IS GOING TO HAPPEN! I truly believe you are my last resort. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: this account is pulling my credit score by being on my credit. please remove this account from my credit file. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage company has forced us to escrow our taxes into our mortgage last year and just received a certified tax document stating that taxes were not paid for XX/XX/XXXX. When I contacted the mortgage company, I was transferred from one person to another, each stating that it is paid electronically every month and when I wanted to have proof sent to me, ( cancelled check copy, any kind of copy ), they stated that they ca n't do that. I advised them that the late tax document stated if that it was not paid by XXXX XXXX, XXXX additional penalties will be added on and if not paid by XXXX, our home will be put up for auction proceedings. After going thru quite a few people, I was given the tax dept of the mortgage company and the advisor said that it will be paid within 5 days. I asked why it was n't paid and they advised that " it slipped thru the cracks ''. I can not believe he said that. I told him that I want a copy of payment..this should n't be happening. Now, my home insurance company called and advised me that the same mortgage company called and said that they are going to do the homeowners insurance thru them ... we DID NOT give them permission to do that. We would never drop our current homeowner insurance provider. This has to be illegal!!!! What can we do to protect ourselves against this illegal activity..We pay for the escrow every month along with our mortgage and they are not even paying the taxes..they are keeping the money! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We keep getting phone calls from someone who says they are from Bank of America and wanting to talk to us about our property. We are n't late on payments so there is no reason for her to keep calling! I have asked her 3 times to NOT CALL, that there is nothing I need to discuss about our property. She calls as early as XXXX, we have people sleeping here at that time. I asked for her manager and she claims she could n't find her phone number. I need this to stop. I have searched her number and found her home address, etc. Her name is XXXX XXXX ( she claims it 's XXXX ) from XXXX XXXX, Ca XXXX XXXX XXXX XXXX Phone number she calls from which is her own is ( XXXX ) XXXX. We do n't know why she is calling, she wo n't say unless we confirm information which I REFUSE to do because I know her call is not legit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credence Resource Management has called me repeatedly at my place of employment after I have asked them to remove my work number from their call database. The representative continues to try to talk to me and sometimes escalate their voice trying to talk over me. 

In addition, the representative asks me to confirm personal information prior to disclosing the company in which they are calling from and about. 


Not only is this annoying, it seems to be a violation of my rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company reported this account on my credit report on XXXX/XXXX/2016 and then again on XXXX/XXXX/2016 so now they are reporting the account twice? I never received anything from this company about this supposed account and was not given the opportunity to dispute this debt. They are not complying with the FDCPA and now they are reporting incorrect information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was only comparing rates for a mortgage. House was paid as a cash purchase. No mortage was required. 

Company response: Company chooses not to provide a public response
Consumer complaint: GreenTree/aka Ditech XXXX XXXX XXXX XXXX XXXX XXXX sold our mortgage to GREEN TREE who never notified us we had no ACCT # when we found them with the help of XXXX they took all of our next XXXX payments & applied it towards interest? 6 mnths to straighten that out!! Green Tree than with held our disability/accidental insurance payment in UNapplied Funds ... 3 mnths to FIX!! Talking to our XXXX insurance now we pay them direct & we spent another mnth getting the funds we paid to GT that was for insurance!! Than they pertain to buy us insurance they said we had no homeowners .GT was now going to bill us for more expensive insurance!! I took the letter to our insurance Company from XXXX to XXXX my insurance company FAXED the paper work 6 times & GT kept saying they were not getting it!! They keep our over payment in UNAPPLIED FUNDS They request & MAKE ME FAX & send CERTIFIED letters $ $ $ $ cost me lots of $ $ $ to put it in writing to ask them to apply my payment to our PRINCIPAL ... so we are being CHEATED on our Balance because FUNDS ARE HELD BACK. Than they really SCREWED with our ESCROW CHECK & XXXX off our Treasure played games saying they have XXXX 'd the check..when they never did. Now they billed me {$150.00} for an over payment on Escrow and when I was requested to send that out it was NEVER FOUND/or Applied to our loan when GT/DITECH researched this my Representative From GT had given us the wrong XXXX XXXX XXXX for XXXX CA ... our principle is off!! Interest # s off!? payments not applied when received? Months of never receiving a STATEMENT so we could not see our BALANCE!! NIGHTMARE CITY that is what GREEN TREE/DITECH/ XXXX COMPANY HAS DONE WITH OUR MORTGAGE ..BUT I have the letters..the documentation the WITNESS 's & paper trail GALORE to back all this up and it is my Goal with the thousands of other people being treated this way & you can read their story 's on line just by punching in GREEN TREE!! They have a whole XXXX LINK HEADER STOP GREEN TREE? DITECH/XXXX COMPANY!! This is the worst Company EVER to get a LOAN FROM!!! Two Years every 30 days we have to call to get our unapplied funds applied to our principal this Company is CRAZY ..you get XXXX number XXXX..you are either put on hold, transferred or hung up on!! The one day they put me on hold & went home? Found that out when I called back the next day!! There are XXXX Links that I found with people /strangers from CA to Pennsylvania to Florida & I am in Wis. that tell my story on line and I do not know them? This Company needs to be shut down!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Transunion is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX XXXX, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for the XXXX credit card last month for the bonus award night benefit and they announced that they are taking the benefit away right after I got approved for the card. The card is useless to me now and I wasted a credit inquiry and {$75.00} annual fee. The card member agreement specifically mentions the bonus award night after paying the {$75.00} annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is an extension compliant on report Case number : XXXX original complaint statement They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!! 

They still do not want to delete debt from credit bureaus They are not authorize to collect interest as per original contract with XXXX XXXX XXXX the next step would be to go to the State General they have made false statements. They are govern by fair debt collection practices act California that they are violating here are some violations Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections XXXX ; 15 United States Code sections 1692d-1692e. ) I have recorded them treating me they would sue me garnish my wages ruin my life is all RECORDED if I did not pay them right away they also curse me out when I dispute the debt and tell them I do n't owe them a dime Debt collectors can not make false or misleading statements ( California Civil Code sections XXXX, XXXX ; 15 United States Code section 1692e. ) Some debt collectors supply information on debts they are collecting to credit reporting agencies such as XXXX, XXXX, or XXXX. However, a debt collector can not threaten to report your debt to a credit reporting agency unless it actually intends to do so and unless the information it is reporting is true. ( California Civil Cod section XXXX ; 15 United States Code section 1692e ( 8 ). ) The key word is true they have been reporting inaccurate information for more then 2 years wrong amount and multiple accounts where there is only XXXX account proof of payment has been summited XXXX pics XXXX bill under XXXX XXXX last transaction on XXXX 2016 conformation number XXXX gave me is XXXX phone number they gave me for debt department is XXXX Here is a blog of other people with similar situations maybe class auction lawsuit is warrant here XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a XXXX XXXX Reward Prepaid card. I could not complete the verification online to get a personalized/permanent card. When I called the number provided I was told I would get a call within 24-48 hours to complete the registration. 
After 27 days and me calling three times, I finally got a call and was told I had to call XXXX. Why? They do not issue the cards and this has no effect on my credit. Plus the number ( XXXX ) they gave me was only for members or people who had a credit report problem. 
I do not think they should be able to access my credit reports when this in no way will effect my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for a loan through my local credit union. After not hearing anything for a week, I was notified by the credit union that I had been flagged as fraud due to a report given them by Experian. The information Experian kept on file was nearly 10 years out of date. I have changed address and my name has changed due to citenzenship and marriage. When I contacted Experian to resolve this issue the representative gave me a fax number and told me to send all pertinent information to that number. The fax number was for a company that may be called Experian Consumer Relation Group, XXXX, XXXX, or Experian XXXX XXXX. The correspondence uses all XXXX names ambiguously and it is unclear which one is the one which I contacted. They sent a letter ( enclosed ) stating that they are unable to make any changes and directed me back the phone number for Experian. They have stuck me in a hand off cycle and no resolution, or attempt thereof, has been made. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Commonwealth Financial Services contacted me by phone telling me I had by end of day the next day to pay a debt of {$2000.00} or they would be sending me a summons for criminal charges. They tole me the additional fees could be upwards of {$8000.00} if we ended up in court. I told them to send me something in writing. I received a letter from XXXX XXXX ( XXXX XXXX? Email address was XXXXXXXXXXXX ). The letter stated that I had to settle the debt by XXXX/XXXX/XXXX to avoid any further collection proceedings. I received several harassing emails after our initial contact. I looked in my records and saw that this account had been satisfied in full with XXXX XXXX XXXX back on XXXX/XXXX/XXXX. I feel that this was a complete fraud tactic to scam me out of {$2000.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was treated XXXX while on vacation in Michigan. Before going to a medical facility, I checked to see what facility participated in my XXXX XXXX XXXX. I selected XXXX XXXX located in XXXX Michigan because it was the closest to my location. The hospital/XXXX XXXX billed XXXX {$1500.00} for the treatment that I received. The in-network rate for this treatment was {$970.00} which is the reason to use an in-network provider is that they have a discounted rate. XXXX paid {$630.00}. I was responsible for {$340.00}. My XXXX XXXX XXXX XXXX paid {$100.00} as that was all I had in the fund at that time. I paid {$230.00} with a credit card. These payments total the {$970.00} that I was responsible for. ( See attached supporting documents. ) XXXX XXXX turned my so called debt over to a collection agency, Wakefield Collections, for {$810.00}. I have no idea what that amount is for. This debt is now showing on my credit report. I do not owe this debt to XXXX XXXX! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: During my XXXX billoing cycle, BofA charged me {$30.00} in interest, even though I paid the previous month 's balance in full, as shown on the XXXX billing statement ( attachment ). This is my first inquiry. 

Also during my XXXX billing cycle, Bank of America issued me a credit of {$10.00} for a fee they waived from my account. Therefore, at the end of the billing cycle in XXXX, I paid my full balance minus {$10.00}, assuming that the {$10.00} refund would apply towards my account balance. 
However, in the XXXX statement, I was assessed an interest charge of {$31.00}. When I called Bank of America to ask why, they said that I had underpaid by {$10.00} because the {$10.00} refund of the fee did not apply until the next billing cycle XXXX. My second inquiry is this : if the {$10.00} appeared on the XXXX statement as a credit, how can they not apply it toward my outstanding balance? I believe this is deceptive. 

I then asked how a {$10.00} underpayment could lead to {$31.00} in interest. They told me that underpayment on the account causes any purchases after the underpayment to be considered part of the average daily balance, even if they are part of the current billing cycle which is normally subject to the usual grace period for payment. This is the third inquiry. This explanation does not make sense to me, nor can I find it documented in the Terms and Conditions of the card. Extended questioning of over XXXX minutes with the customer service representative also did not yield any clear answers - they just kept referring me back to the Terms and Conditions. 

Company response: Company chooses not to provide a public response
Consumer complaint: I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for. 

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