AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company have on file that were used to dispute the account I disputed. being that this is gone pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA, they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: BB & T retroactively placed force insurance on my account, when they asked for insurance information I provided it, my insurance company showed a new effective date, BB & T said since the date did not cover the past 3 months they would retroactively charge force insurance, I told them I did had coverage during that period and requested they contact my agent. The call center told me it was my responsibility and they could not make outbound calls to resolve the issue, it was my problem ... It took me over an hour on hold to speak with a manager, I gave up and ate the cost since it was clear they were not looking to resolve the issue for me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On/around XXXX 2015, my wife and I contacted Wells Fargo ( currently have a mortgage with ) to apply for a XXXX refinance in order to update our home. Upon filling out the credit requirements and getting a preliminary approval, we were charged {$950.00} for an appraisal fee. During the time of the appraisal ( waiting for it to come back ), we had to pay a .25 % fee on the loan in order to keep our rate locked in. After coming back with the appraisal, which was too low for the amount we requested, we were instructed to revise the bid down to the amount Wells Fargo would loan. During this time, we had to agree to another .25 % fee to extend it yet again. After submitting the revised bid, we were told we would have to pay another .25 % fee to hold the rate ( rate expires after 2-4 weeks ). This was agreed to yet again. Upon receiving the revised bid, Wells Fargo required that another appraisal be done because the scope of work had changed ( at their request ) and that they would pay for a second appraisal but we would have to extend the rate again with another .25 % fee due at the time of close ( approx. {$650.00} per extension in fees ). 
With a total process of 6 months from the time of application to the request of a second appraisal, I feel as though Wells Fargo has an unwritten policy of intentionally creating an environment in which consumers are given the option of re-financing but through their arduous and twisting process, hope to lose them through attrition. If a loan does close, they have collected numerous " fees '' in the form of rate locks. These rate lock fees coincidentally happen to coincide with time sensitive occurrences such as appraisals, underwriting decisions, etc. thus resulting in the consumer being pressured to agree to the rate locks or risk starting the loan process over again. Due to this hostile environment, I formally requested the {$950.00} fee refunded. After 4 weeks ( XXXX extensions ) by their " Compliance Department '', I was told that there will be no refund. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied and got approved for USAA XXXX World MasterCard. It came with a {$200.00} statement credit offer if I make XXXX purchases by XXXX XXXX, 2016. After I made XXXX purchases, I called USAA customer service to check when the statement credit will be issued. USAA denied the existence of this offer 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: cable i never had and they want me to pay for something i didnt do 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint pertains to my Experian credit report only. The information from the other credit bureaus has been removed. 
The creditor XXXX XXXX, Account # XXXX has refused to correct dates of delinquency or inclusion dates under the Chapter XXXX that I filed on XXXX/XXXX/XXXX. Instead they keep using the date XXXX XXXX. The date XXXX uses on my credit report of XXXX XXXX is causing the negative information to remain on my credit report for XXXX additional years. Also archived reports from Experian show that I had delinquencies in XXXX ( which I included in my disputes ). The negative information should be removed this year. Instead it is showing that it this account will continue on record until XXXX XXXX. 
More than 7 years have passed since my filing of Chapter XXXX and original delinquencies, therefore I feel it only fair that they stop reporting the wrong negative information on my credit report ( Experian ). I have sent in many complaints to Experian only to have nothing done. 

Company response: Company chooses not to provide a public response
Consumer complaint: A while back I signed up with Bank of America, for merchant/credit card processing. The issue is the credit card machine lease that BoA sneaks into the deal. They mention free, but it turns into a 48 month lease contact for $ XXXX for a {$300.00} machine. It was just a deceptive sale on their part. Contacted BoA sales rep regarding issue, tells me to contact first data, and to offer to buy out machine lease for less than lease term. Called first data ... and Not a chance of that working. Another example of their mis-info or understanding. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank cards was stolen I went to the bank and told them they look in my account and said that everything is crear no withdrawal or deposits was made. Later that evening the bank said I deposits fraudulent check all day in my account and deleted me as a consumer 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for Citi ThankYou preferred card for students. The application was online and being a non resident alien, i selected this option. The app went on and ran a credit check on my social. Later the application was denied. I called the reconsideration line and she told me that that the application i submitted was not for nonresident aliens. Why would they allow me to complete the application and run a credit inquiry and then after all that tell me that the application was not for me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX need validation of debt done. the last payment date is missing. I need the full payment history from XXXX sent to me. Transunion has missing information. CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian and XXXX have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of Experian, XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted Experian and XXXX come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX '' immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: i did contact experian about XXXX/XXXX to dispute a inaqurate info they toll me first of course we will help you they start investigation no resolve i contact them agian why this item is not deleted from my file they toll me this item is gon removed they lie to me they never removed i call webbank to remove or else i will sue you they aggre they send me letter home i forward thet letter to experian is clear they did send electronic not to experian to remove inaqurate info still nothing i dont know what to do withe this idots they r very nasty people idots i did send them a prove and no resolt i nid help 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. XXXX had previously offered to settle at {$15000.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX, 2016, to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX, 2016, for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me, even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement, but unfortunately FAMS was playing hardball, and the agent was misrepresenting that they could n't help which is a flagrant violation of the Fair Debt Collections Practices Act. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was double charged for a hotel room. I stayed at the XXXX XXXX on XXXX/XXXX/16. I was charged by XXXX and by the XXXX XXXX for the nights stay. I was double charged. I have disputed the charge with Citi Bank, but they have not resolved the situation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is an amendment to complaint # XXXX I did not list the inquiries to be blocked : I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX , Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

These are the inquiries that must be blocked within 4 business days : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am having an ongoing issue with ditech, just checked my bank statements from 2015 ditech never sent a check in the amount of XXXX, it was actually XXXX. I am tired of the run around from this company. I will now be sending a complaint to HUD. Even from their own statements you can tell they are ripping us off with the escrow. This is not a new loan. I will be attending a forum Wednesday hosted by the nonprofit business alliance for a sound economy. In attendance will be Senator XXXX XXXX, Rep. XXXX XXXX, Rep. XXXX XXXX and Rep. XXXX XXXX. At that time I will be showing all taxes statements from ditech along with the emails they have sent me.As you can probably tell they will be discussing homeowners issues. If I was ditech I would have a representative there.I will not stop until they give me my money that is owed that they stole from us through escrow.In North Carolina it is against the law to fudge tax statements.And XXXX XXXX the paralegal from ditech needs to go back to school and learn how to do an escrow. As does most of the people that I talked to from ditech. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This is from an XXXX Service. They have called many times ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been calling twice a day. I do n't answer, but when my machine picks up, they hang up. The number is XXXX. I am not sure if this is collections and they have the wrong person. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I never lived at XXXX wi XXXX address id number XXXX geographical code XXXX. Experian keeps says creditors report that I did. I ask them to remove it and they dont. They also have XXXX different names on my report which they wont remove. I am XXXX XXXX XXXX not the other XXXX they have on the report. I am a consumer statement of this and they remove it. I also dispute the accounts that are listed as negative detriments and they say they are valid. All of them were included in a Bankrupcty over three years ago. They refuse to remove them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. 

Calls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. 

There is no indication from my Identify Protection Service that I have ever had over due debt. 

The DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. 

DRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX - XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently had all my XXXX credit card accounts ( Active since 1989 ) cancelled, without notice by Citibank. I discovered this, while attempting to make a purchase on XXXX of the cards. Upon calling the Citibank Customer Card Services XXXX #, I was informed that no information was available. I was advised to write a letter to their Security Services Division, located in XXXX XXXX, S.D. 
I subsequently received a written response, that stated Citibank was using their account agreement discretion, to close my accounts without prior notice. I had also asked about my points balance, averaging XXXX per card and they chose not to respond. 
What is my recourse if any at this point, as my account was always current with Citibank and will this have a negative effect on credit score? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 
On XXXX XXXX, 2015 XXXX reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Experian to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Experian with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, TX and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. 

Thank you and Happy Holidays. 
XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received frantic phone calls from my secretary today, stating she received a call from XXXX XXXX, and that I had 2 hours to call him, or they would send out the police, that I was being sued for not paying my bills, she said I was urgent that I called within 2 hours. I called XXXX, was put on hold, then asked if he could help me, I told him I was returning his urgent call, gave him a case number XXXX, I asked him what this was regarding, he repeadely said, well, you called me? I told him Again I was returning his call, and repeated what was told to me, he said that I was being sued, that he did n't call me, that must have been the constable trying to serve me? I told him AGAIN, I called him back due to his call, he kept on saying that he did n't call me that it was the constable trying to find me??? we went through this for about 5 minutes, he told me that he would have me re served today within 2 hours! I told him I am standing by! my husband called him about 30 minutes later and asked what this was about, XXXX told him he could not speak to him without my permission, which I gave, my husband asked him for his name and address XXXX told him " listen dude, this is not no XXXX XXXX..my husband told him that we will get to the bottom of this and XXXX hung up on him. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, XXXX XXXX XXXX and Experian refuse to remove the accounts from my credit. Even though those were never late and we 're both included in a bankruptcy chapter XXXX that i filed in XXXX XXXX. It is well over 7 years since filing, and they refuse to remove it, I have disputed it several times before to no luck. Even on their own website, Experian explains that they are removed 7 yrs from the day of filing, they state that both accounts are to remain in my report until XXXX, even though the 7 years after filing have already passed, in fact it is about to be 8 yrs now. This is harassment, what is the point of filing and paying if they will do whatever they want in spite of the law?. Please right this wrong, they are supposed to remove this from my report yet refuse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was wrongful evicted ( and I have the paper work to prove it ) but a collection company is refusing to remove this debt! My eviction says {$590.00} the collection company says {$1300.00}!!!!!! this is crazy!!! 
and my apartment has no records of this information. Can I sue this company for :! .Violation of the Fair Credit Reporting Act 2.Violation of the Fair Debt Collection Practices Act 3. Defamation of Character 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The bank has failed to contact me ( co signer ) on my daughters delinquent account. Damaging my credit with no notification. They said they had the wrong address. I have had my checking account with them since XX/XX/XXXX and they new my address. The bank continues to fail to provide me XXXX on interest that I paid XX/XX/XXXX. I have tried to conslidate the loans but they drove my credit score so low I did not qualify at a low enough rate to afford the payments. Wells Fargo continues to fail to work with us asking for payments we are unable to provide at this time. The interest they are charging me after they drove my credit score down would lead me into default. Wells Fargo departments do n't coordinate with each other telling us if we made 3 payments on the late account they would help to bring the loan current. They continue to fail to work with us to resolve all issues relating to my daughter student loan accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I sent a request to validate a debt to ERC collections via certified mail. The letter was collected by XXXX XXXX of ERC collections XXXX and the refused to provide me with the information I requested to validate the debt. 

ERC mailed a letter stating that they were only able to provide me a copy of a fake bill form XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time period I did not own any service from XXXX XXXX XXXX as my current service is through XXXX. 

Since ERC is unable to validate the original contract or source of this debt, I am requesting that this item is removed from my credit report and updated to all XXXX major credit bureaus. 

Company response: Company believes it acted appropriately as authorized by contract or law