AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to XXXX Experian for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied online at wellsfargo.com for a secured credit card with Wells Fargo on XX/XX/XXXX2016. After the application was complete, I received a screen that said my application was pending because Wells Fargo needed more time to gather more information. I did not receive any further correspondence from Wells Fargo about the application nor did I receive a phone call or any message from my Wells Fargo account about the application. On XXXX XXXX, 2016 I checked my account in the morning and found that {$300.00} was taken out of my bank account for the secured credit card that was approved with Wells Fargo. At this time I still had not received any information that I was approved for the application or that money would be taken from my bank account to start the secured credit card. As soon as I saw the money had been removed I called Wells Fargo to find out why. I spoke with a representative in the credit card department who advised me that I was approved for the application and that I would receive a card in the mail within 7-10 business days. I advised that I was upset about the steps that had been taken with no communication on Wells Fargo 's part to advise of the approval and that I wanted to know if I could decline to receive that account. The rep advised me that I had 10 days to call back to get my money back immediately but if I did not then it would take 45-60 days to have funds put back into my bank account. I waited 2 days to see if I would receive anything from Wells Fargo stating the account was approved and I did not. I proceeded to call Wells Fargo and close the account. I was advised that it would take 45-60 days to have the funds refunded to my account. I proceeded to advised the representative the issue and what had happened and she advised me that it may be sooner since the account was not fully funded and still in processing. As of XXXX XXXX, 2016 my funds have still not been refunded to my bank account and I still have not received any communication that I was approved for a secure credit card and what the terms and conditions of the card/application are. I called again on XX/XX/XXXX2016 and spoke with XXXX representatives and nothing was attempted to get my funds refunded sooner than XXXX business and I was advised that Wells Fargo 's policy was that they only refund the collateral hold within 45-60 days. Because I did not receive a email/letter/call about the approval for the application I was not made, aware before the funds were taken out of my account, that this was a policy of Wells Fargo and that it would apply to me once the funds were removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was station in XXXX. I never lived in XXXX. I reported this to the credit bureau once before. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my own homeowners insurance in XXXX of 2014. On XXXX of 2014, Greentree placed lender placed insurance plus unneeded flood insurance in the amounts of {$1500.00} and {$1900.00} on my property creating an escrow shortage. They have acknowledged that I had insurance ( 1 year later XXXX but are still insisting that I owe escrow resulting in my on-time mortgage payments being credited toward escrow shortages and then being considered late. I have made all of my payments on time yet they asked for an additional {$1300.00} in XXXX. They have threatened to foreclose and bounce me from representative to representative with never a resolution. There is no physical address to get a signature from so they do not acknoledge receipt. I am honestly ready to let them foreclose in the hopes I can get a resolution with a judge present. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My husband and I both had our PI information stolen and subsequent credit cards where opened in our names. We have tried for over a year now to clear our good name to no avail. i have followed every proper protocol revolving CFPB, FTC ID theft complaints in the hopes of having the XXXX CRAs block the fraudulent accounts. Instead of assisting they actually revictimize and make it much harder. My credit is in shambles and I am unable to refinance my home! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For the past year, I have been in correspondence with XXXX XXXX XXXX regarding at Walmart account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was in a settlement agreement on a retail credit card with an attorney based debt collection agency nearly three years ago. We agreed upon a settlement amount. I paid the said amount in full in XXXX of 2013. It was agreed upon that the agency would report this information to the credit bureaus accordingly ; they did not. The information is still being reported negatively to credit agencies. This collection agency is very aggressive and quick to file suits against consumers. They should be sanctioned for this action. I understand this is the risk for bad financial decisions, but if you honor your debt, you should not continue to be punished for it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased furniture at XXXX in XXXX AZ on XXXX/XXXX/XXXX. They had a sale and offered 24-month financing at zero interest. My first payment of {$100.00} was due on XXXX/XXXX/XXXX. I paid this online on XXXX/XXXX/XXXX. I thought I had set the account up for autopay from my XXXX checking account at that time. I found out on XXXX XXXX, XXXX, that through some error of mine autopay was not set up and the payment due on XXXX/XXXX/XXXX was not made. I immediately set the payment up and it was paid on XXXX/XXXX/XXXX. I included the payment due on XXXX/XXXX/XXXX so that {$210.00} was paid on XXXX/XXXX/XXXX. I received a bill for a {$35.00} late fee plus interest of {$2.00}. The payment of {$37.00} was made on XXXX/XXXX/XXXX. The statement I received for my payment due on XXXX/XXXX/XXXX stated that my minimum payment due on XXXX/XXXX/XXXX was {$140.00} plus a {$25.00} amount past due for a total of {$170.00}, an excess of {$70.00} over my required payment of {$100.00}. As of XXXX/XXXX/XXXX I had already paid the regular {$100.00} payment on XXXX/XXXX/XXXX and the late charges for the XXXX payment. Now comes the bill for the XXXX/XXXX/XXXX payment. They are billing me for {$170.00}. I owe {$100.00}. 

I have tried to communicate with Synchrony online. I get a message that the information I provided does not match Synchrony 's records and tells me to call the phone number provided on the statement. XXXX is an answering machine that gives information about what they say is the balance due and gives you no choice to speak to a human being or to leave a call back message. 

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. When opening the account, the associate entered all of my correct information from my driver 's license. A few days later, I received an email notification that my debit card was on its way, but it was being sent to an address where I have never lived and/or been associated. I contacted the bank to ask them why/how this happened. They initially insisted that I had been a victim of fraud, but after showing them I had not, they started investigating on their end. They admitted that everything was processed correctly, but can not understand how the wrong address was then attached to my name. They 're calling it a " system glitch. '' When I asked how I can be assured that it wo n't happen again, I was told that I need to carefully monitor my account myself because they ca n't promise me it wo n't happen again. 

I have since closed the account because all I get from them is head scratches and " I do n't know how this could have happened. '' It 's ridiculous and I do n't trust that my account would be safe with them, no matter how many " extra protections '' they have to put in place. 

They also reported this incorrect address to my credit bureaus but are doing nothing to correct the improper reporting. I am filing disputes with each bureau to have the incorrect information removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ServiSolutions acquired my mortgage is XXXX 2015. Their XXXX letter to me stated my new mortgage payment was {$1200.00} monthly ( {$570.00} principal, {$330.00} interest, {$320.00} escrow ). At closing my HUD-1 stated my mortgage is {$890.00} ( {$660.00} principal, interest, mortgage insurance, {$220.00} property taxes and homeowners insurance ). They fixed this problem after a few weeks. Now, they have sent me a statement saying my property taxes ( which has not even been issued for this year yet ) are increasing to $ XXXX and my new monthly payment is {$1600.00} per month. Please read my email response to them as follows : 1. Yes, at closing my lender collected 2 months property taxes at {$150.00} per month for a total of {$310.00} ( HUD-1 line XXXX ) 2. Additional Settlement Charges from my closing indicate on line XXXX of the HUD-1 that the XXXX half of the property taxes to XXXX County were collected at a total of {$930.00} ( cross reference line XXXX HUD-1 ) 3. My loan terms on page XXXX of XXXX on my HUD-1 indicate that my mortgage includes a monthly escrow payment of {$220.00} ( homeowners insurance and property taxes ) for a total of {$890.00} per month. 
Homeowners Insurance $ XXXX/yr Property Taxes $ XXXX {$1800.00} XXXX $ XXXX {$220.00} 4. My new tax bill is not issued until this month. Why was I sent updated statement saying my property taxes are now $ XXXX a year? 
5. I am the sole income of a XXXX person household with XXXX XXXX XXXX and XXXX. This is the second incident with an incorrect bill being sent to me. I ca n't XXXX endure this stress. You have only owned my loan for 4 months. This is truly ridiculous. I was responding to this email they sent me as follows : Hello Form the research the finding were as follows : The amount of taxes that were owed at closing was only for 1 month ( XXXX ). Now that the new year has started we have to reanalyze for the full year to be paid for taxes that will be owed every 6 months. ( XXXX x 12 months = XXXX ) ( XXXX / 2 months = XXXX ) Thank you 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I worked for this company called XXXX XXXX after I graduated selling XXXX knives. Needless to say I was just recently told that a customer that purchased a set of knives did not complete payment so it charged back on me, however I was no longer with the company. Being that I was n't making enough money had to move back home, so the company did not have my address or phone number to contact me, in which they stated when I got in touch with them on XX/XX/2016. I made them aware that I did not know about this until I viewed my credit report myself. I called them they told me the account was written off for {$270.00} no other interest etc. Needless to say on my credit report XXXX has reported {$400.00}. I have set up payment arrangement directly with XXXX XXXX to pay the XXXX off. I contacted XXXX about the wrong amount reporting and the rep. was very rude and stated it does n't matter what XXXX is requesting you will have to pay the XXXX that we are looking to collect. Never had this happen to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was garnisheed by XXXX XXXX XXXX XXXX XXXX for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by XXXX XXXX XXXX XXXX XXXX. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wells Fargo foreclosed on my home on XX/XX/XXXX but they never notified me that I had a foreclosure sale date. I lost my job XX/XX/XXXX and I was out of work for over a year and that caused us to fall behind on our mortgage. My wife ended up losing her job XX/XX/XXXX. We are both working now and we have the income to make mortgage payments, but we just didnt have the funds available to bring the loan current so we reached out to our servicer for assistance. We have been trying to get modified since XX/XX/XXXX but wells fargo didnt help us get back on track. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: credit discrimination i recently disputed XXXX debts that should have been taken off of my account, they credit bureau ( trans union ) is failing to remove the bad debts. There was XXXX creditor removed but I only received XXXX points added to an already XXXX. My credit score should not be this low because all of my debts have fallen off or have been removed. transunion is discriminating against those who either complain about their credit reports or XXXX. My credit score with equifax went up XXXX points with XXXX debtor removed. 
not sure if transunion knows the XXXX background of those they follow but this should be looked into. 

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 XXXX, XXXX , MN XXXX, ( XXXX ) XXXX has been reporting my account with XXXX XXXX using a fraudulent open date. the last open date was XX/XX/XXXX the last time the account open was XX/XX/XXXX, the account should have been deleted after 7 years ( XXXX ). Each year XXXX uses a new open date, which means someone is using my information to continuely open a new XXXX account in my name. I have tried to file a dispute with Trans Union but their website does n't allow it and I called there XXXX number to file a complaint they took my information but nothing has happened. I have also filed a dispute with XXXX and it has n't been removed my report either. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Dispute Number XXXXTransunion Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all XXXX CRA 's, and within XXXX days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the XXXX CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all XXXX CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15. 

Company response: Company chooses not to provide a public response
Consumer complaint: The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I AM ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND AVOID A FORECLOSURE SALE. I HAVE SUBMITTED A COMPLETED MORTGAGE ASSISTANCE PACKAGE TO MY SERVICER - WELLS FARGO. WELLS FARGO HAS MY FILE IN REVIEW AND HAS ISSUED NO WRITTEN DECISION. THEY HAVE, HOWEVER, SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2016. NOT ONLY HAS WELLS FARGO NOT ISSUED A WRITTEN DECISION, THEY HAVE NOT PROVIDED ME A 30 DAY RIGHT TO APPEAL IN THE EVENT THE DECISION WAS A DECLINE. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was perusing the Ally Bank website tonight to see if they were offering higher deposit account rates than what I'mean currently earning. In several locations you 're given the option of comparing their rate to other banks ' rates. Every time I elected to see " other banks ' '' rates, it listed only XXXX - the bank I currently use! I had n't provided them with that information. They clearly did n't feel they had to hide the fact that they had obtained my private financial information. I feel violated and outraged. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought some furniture from XXXX furniture and I was about to pay the whole balance upfront as I had the money at that time. 
But the sales person insisted to open the credit card with zero interest for 12 months. So I have applied for the credit card. He has mentioned that I have to pay interest if I will not pay off the balance in 12 months. He did not tell that if I do n't pay the balance on the whole amount of the furniture. 

So I paid off {$2400.00} in 12 months and remaining balance was {$1000.00}. Now they have charged me interest charges of almost {$900.00} saying that its accrue interest on the whole balance. According to the customer service, that is written in terms and condition that accrue interest will be charged.However, when we opened the account sales guy did not mention a word about the accrue interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. 
I spoke with the agency via telephone and let them know the resolution I had reached with their client. 
The lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company