AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. 

Company response: Company chooses not to provide a public response
Consumer complaint: FORECLOSURE FRAUD against our HOME!!! PLEASE HELP!!! 
... .QUALITY Loan Service Corp XXXX the subject of CFPB Case File # XXXX - complaint against FORGED Foreclosure Instruments that led to the recordation of Notice of Default on XX/XX/2015 ... with a DEFAULTED Debt Validation Request dated XX/XX/2015 respecting the alleged debt on the Notice of DEFAULT.. 
NOW RECORDS a TRUSTEE SALE on XX/XX/2015.. -- -FORGED INSTRUMENTS, and ALLEGED DEBT that they FAILED to Validate pursuant to Federal and State Statutes. 
Snapshot of unlawfully recorded Notice of Trustee Sale, that is hinged upon a Notice of Default without legal or factual foundation : Document # XXXX XXXX/XXXX/2015 XXXX NOTICE TRUSTEE SALE XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2015 XXXX NOTICE OF DEFAULT XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX placed a publication on a non local check and its availability. The check returned and a police report had not been filed for the incident until XX/XX/XXXX. The bank returned all credit card payments in this case Aspire visa. Aspire Visa payment was returned on account at that time local authority 's would not allow a police report to be filed. XX/XX/XXXX a fraud report was taken by the police department. I would like the debit of the credit card corrected. In this case of Aspire Visa in which to a law suit was conducted or the credit card company was a law settlement and for XXXX of the XXXX credit cards a XXXX was filed in debit forgiveness. I have XXXX other Aspire Visa VIP credit card that no legal notice for it has been corrected to my knowledge. I have mailed Aspire Visa letter after letter. All they had sent in return before the police department filed a police report was a debit collections deduction. Wherefore the Police departments police report was filed on account of an identity theft indicator placed by the IRS. XX/XX/XXXX-XX/XX/XXXX: 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX, XXXX and Experian are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the seven year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XX/XX/XXXX and the XXXX accounts were in the program which XXXX agreed to?! 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a downpayment on a car for my daughter over the phone for {$1100.00}. I faxed the credit card number to the merchantd asking that it be put on my card. The credit card company put it thru as a cash advance and charged me {$50.00} fee plus {$17.00} in interest. I contacted them and told them that I did not authorize it as a cash advance. I have plenty of cash and would never take out a cash advance for anything!. They said that the merchant put it thru as a cash advance and that they could not reverse the fees. I told them this was an unauthorized charge and that I would not pay the fee and that they could close my account. They refused to credit me the unauthorized amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: Had a account with XXXX over XXXX years ago ... have not had XXXX since XX/XX/XXXX-XX/XX/XXXX lost job request cancellation of service ... .went away than reappeared stating account was open XX/XX/XXXX which is untrue and collection agency XXXX XXXX is try to treat this like a new debt not one that is past the time limit ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report/update they have refused since XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call from PENN CREDIT. I do not know who that is and have never done business with the company. There was no person on the other end when I answered the call. They continue calling several times a day including Sundays. I no longer answer the phone when their number and name appears. This has been going on for months and I am sick of it. We are elderly and my wife is in stage XXXX of XXXX. Can you do anything to get the calls stopped? Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint is as follows ; In XXXX years of life I have never paid a single dime in interest on any credit cards. I have owned my home for 32 years, purchase in XX/XX/XXXX with a 30 year mtg, refinanced in XX/XX/XXXX with a 20 year mtg and then paid off the mtg about years early. I have purchased at least XXXX brand new cars over the years for cash, leased XXXX others and purchased XXXX others with partial loans, all paid off early or in one case on time. I have financed XXXX my children 's college educations over the last XXXX years without any subsidies or loans of any kind, not a single dime owed by me or my children. All of my credit card bills are paid in full each month, no interest ever paid. The only blemish is for a {$15.00} fee with one of my banks paid late which is now in dispute with EXPERIAN. This blemish has already been removed from the banks records according to the bank. This past week I attempted to rent an apartment for my daughter at near new college as she will now be completing her XXXX Degree. I have been denied this apartment because I was told that my credit score was under XXXX. 
I checked on EXPERIAN 'S website and this information appears correct. My Complaint is XXXX fold. One, I think that that the way they have computed my score is wrong. When I called EXPERIAN today and called them on how they computed my score I was told there is some computer algorithm that computes the score. My second complaint is how on this EARTH can I have such an appallingly low credit score based on the information I have provided you and it is my opinion that the way they determine these scores is somehow corrupted. If you agree with my complaint and will go forward I will provide any information you need to support the basis of my complaint, which in fact EXPERIAN should have anyway. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian will not remove debt off of my credit that can not be properly validated. I do n't know what they take as validation but this company trying to get money out of me has not sent me one thing to prove anything I owe. XXXX removed everything and followed the law. Not sure why Experian is not. 

I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX. ( under the FCRA ) A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Experian has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Experian can not produce these items that the company has sent to them then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. XXXX Texas Surety bond information as required by Texas XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX called my son, who is in the military and was XXXX and told my son there was an urgent legal matter and that he needed to speak with me. Once my son confirmed that I was his mother XXXX then proceeded to tell that I needed to contact him. 
Then XXXX gave the company name as empire recovery solutions @ XXXXI am not past due, have any outstanding debt or nothing delinquent for 7 years or more and believe this to be a scam. 
I have received multiple calls, all hours, any day of the week from this number but I do n't know anyone in New York so I do not answer 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My mother had a checking account and two savings accounts with Bank of America. When she died, my brother informed the bank and provided a copy of the death certificate. Each account had a payable on death beneficiary. The bank 's initial response to my brother ( who had held power of attorney prior to my mother 's death ), was that they would " reach out to each of the beneficiaries. When none of us received any word from B of A, my brother again inquired and was told we needed to provide court documents that are unnecessary, as all my mother 's assets were available as non-probate transfer. I went to a local B of A banking center, where, after an hour and a phone call by the associate to corporate that was transferred from one person to another, I was finally given forms that needed to be completed, notarized, and returned to the bank. When I returned my form today, a different associate indicated that what I had been given was not the complete form, but did not indicate what was missing. She also insisted that my brother her call her ( my brother lives in XXXX, while I am in XXXX of which my mother was also a resident ), but refused to say why he needed to call. When he called, he could not speak to her and left his phone number, but did not receive a return call. We are very frustrated with the length of time it is taking to close out these accounts and access the funds, which we need to pay my mother 's final expenses. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rec 'd a declination letter from XXXX re. my request for an increase in my credit limit per the card I have with them. In that my payment history with them was pristine and that XXXX suggested that, if I wanted, I could get, from the reporting agency itself, a copy of the credit report and score that they drew upon to make the determination in rejecting my request, I then called that agency, ( Transunion ) and was given the 'opportunity ' to leave a voicemail and decided instead to go to the online website for the reporting company that XXXX had also included in the contact info for such agency. 
When I did, I saw various 'offers ' that were apparent attempts to misdirect me from getting my report and score for free.. I did not fall for those 'offers ' and instead navigated successfully to eventually get the credit report, but when I did, I saw that it was to be presented in XXXX parts, part XXXX being the report and part XXXX, the score, ( as the XXXX parts were shown as buttons prominently placed near the top of the page. After reviewing the report, ( with lots of errors evident in it of course ), I then clicked on the '' SCORE '' button and instead of being directed to my score, I was sent to a page that was a cleverly designed but nonetheless, obviously misdirective page that gave a couple of choices to actually get my credit score, but ... neither choice included getting the score for free. I struggled to make the site function in a manner to accord with the Fair Credit Reporting Act dictate per the providing, in my circumstance, a free score, but could not accomplish such. It is pretty clear to me that the site was designed to thwart attempts to gain a free copy of the scoreand frankly it is also pretty clear that this is a violation of the aforeref 'd to act. 
BTW : Not to sound defensive here, if anyone were to presume that I simply do n't know how to use the transunion site, I not only know how to navigate websites effectively/I am 'computer ' literate, I am the former XXXX for a search engine and the former XXXX of a XXXX XXXX company. The Transunion site I visited today was intentionally engineered to rip people, to deny people that under current law should be able to gain a free copy of their credit score. I copied the report page and the iterations of the page that XXXX gets when they click on the score button. Know also that I left a detailed message along with my phone number with your agency 's " XXXX '' group. 
The 'Attach documents ' feature below does not work for me, ( I tried several times in several ways, it does not work ), so though I am ready and willing to provide documentation to support my representations herein, I am hampered from doing so via the method given below. Therefore if I could be given an alternate approach for sending such documentation I would appreciate it. Otherwise, to the extent that it might actually be looked at and responded to, this missive will end up being nothing more than XXXX in the wind. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a ring from XXXX. I paid the ring off, and I applyed for a credit card and never received it. Although on my credit report showed I have a 90 day missed payment on my credit card account. Which I never received one bc they had my home address not my XXXX XXXX XXXX So I called XXXX claims and they said I have a balance off $ XXXXSo I do n't understand why my credit report says that I 'm XXXX days late. 
Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a request on XXXX to have the PMI removed from my loan, since I am below 80 % LTV. I received a generic response about a week later, basically saying " we 'll get back to you '', but as of XXXX, still no answer. Since I went below 80 % LTV in XXXX, I 've made XXXX more mortgage payments including PMI. 

Company response: Company chooses not to provide a public response
Consumer complaint: I open a bank account with BB & T on XX/XX/XXXX account # XXXX. I opted in for ACH check overdraft review but specifically instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions. On XX/XX/XXXX, I closed the above mention account number because the account had been compromised and opened a BB & T Bright Checking Account ending in XXXX. The representative that assisted me was XXXX XXXX NMLS # XXXX at the Branch located at XXXX XXXX XXXX XXXX, NC XXXX. Again I instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions but to opt in ACH check overdraft review only. On XX/XX/XXXX I went back into the branch to speak to XXXX XXXX and advised him that I thought that I had inadvertently made over draft changes, on the voice response system on XX/XX/XXXX, for debit card overdraft review and wanted to make sure I cancelled it and to instruct BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there are not have sufficient funds in my account. I was assured by XXXX XXXX on XX/XX/XXXX that I was only opted in for ACH check overdraft review only and opted out for ATM and debit card transactions and no overdraft changes had been made. On XX/XX/XXXX, I was charged {$100.00} for XXXX debit card transaction fees, {$36.00} each for debit card transactions authorized when there were not sufficient funds in my account. I spoke to XXXX XXXX on XX/XX/XXXX he advised that he had misinformed me on XX/XX/XXXX about the overdraft changes because it takes three days to show any changes authorized on the voice response system, so he would not have seen the change, on the day of our conversation XX/XX/XXXX, that could have taken place on XX/XX/XXXX, because it would not have shown in his system until XX/XX/XXXX. I told him I need to be credited to my checking ending in XXXX for the bank fees charged to my account by no fault of my own since I had instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there were not sufficient funds in my account. XXXX XXXX advised he could only credit XXXX bank fee of {$36.00} on his level and that he would have to submit the other XXXX bank fees totaling {$72.00} to his superiors for credit and he would call me back but I have not heard anything from him and my money has not been credited back to my BB & T Bright Checking Account ending in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have notice the creditor have listed a negative that is placed for collection that is affecting my credit, I have reach out to all XXXX bureaus to have to have the item remove, please investigate the concerns so I can restore my livelihood 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XXXX or XXXX I filed a compliant in ref to my mortage company Slect Portfolio Servicing, after the complaint was filed thatnks to you 's I was able to get a modification with was suppose to tart new payments on XXXX XXXX, According to them they sent me some papers in which needed my signature and I was suppose to fax and mail papers back to them, according to them those papers were sent and they were calling to se if I had fax & mail them back to them, I explained to Rep that as of that day I had n't received there papers rep informed me that they will send new papers out and that as soon I received them I was suppose to fax & mail them back to them, papers arrived 6 days later and as I was told they where sign, fax and mailed a couple of dayslater I received a call from them I which I was told that paper work was not received and they want to know why, I explained to rep that papers were sign, fax and mail and according to them they had not received them I told rep that I had made copies and that I will refax and mail my cpies to them she stated that they will arrive late and that she will see what can be done but that since it was just XXXX days later she did n't think it would be a problem she will let me know.I waited a couple of days then I received a call from them letting me know that nothing could be done if I wanted they could send me a new set of papers so I could start from scrath and see what happens a couple of weeks ago I received a letter from the court stating that my home once again was in foreclosure again and the date will be XXXX, I received their paper work I completed it mail it express mail, I received a call and was inform they had received papers but that they can not submit a hold on the forclosure because papers have to be reviewed and then they can submit a hold, I take responsibility for papers being later due to the fact that they were sent to me late but what am I going to do now, my case # was XXXX.Please let me know what can be done now to see how can this be fit.Thank you XXXX Bless 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello CFPB, I am writing to you today regarding my Checking Acct # XXXX with bank of America.The purpose of this letter is to see if you would kindly to help me to remove the hard notice on my name, where is the reporting of my SSN to XXXX ( XXXX ) and XXXX. 
During the time period this account in 2011, I was in XXXX, XXXX and I had returned XXXX checks from my account at XXXX XXXX in XXXX, where I was a XXXX XXXX at XXXX XXXX. Unfortunately, my money was delayed from the US department of State resulted in suspected fraud activities over my Bank of America account. I was not purposely violating the Bank of America regulations. I became aware of the unpaid balance when I got a copy of a XXXX report in of unpaid balance. So, I acted right away and I paid the balance of {$74.00}. under Cashier 's check No XXXX. I am hoping you might review the circumstances under which this occurred and consider removing the negative hard line associated with my name, and give me the chance to restore my relation with Bank of America, especially, I just arrived as a XXXX and I am building my new career of XXXX in the US. 
Your kind consideration in this matter is greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought my a condominium in XXXX at a much inflated rate and agent of Wells Fargo Bank suggested a program to finance my home. It has been financed in XXXX loans - XXXX XXXX year ARM and another XXXX years conventional fixed mortgage. Later I came to know none of these are financed by any of federal agencies - XXXX XXXX or XXXX XXXX. When house price collapsed, my home price lost its value. I could not lower my monthly payment by refinancing. I approached Wells Fargo Bank several times to lower my interest rate as was done by my XXXX lender, XXXX. In all circumstances I was turned down because of my negative equity. WFB did not qualify me for any of the HUD programs. I kept paying at higher rate but keep losing money in interest as well as ability to move out of bad debt without declaring foreclosure. 

Company response: Company chooses not to provide a public response