AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Mailed a written request to Experian to remove line items from XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Experian stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX District Court in Michigan regarding this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX 2015 a short sale package with all supporting documents was faxed to Shellpoint mortgage. The negotiator and management at Shellpoint do not return calls or provide status updates. As of today the file has been with the investor for possible approval for over a month with zero follow ups or updates to me. They do not return calls and do not keep track of documents nor do they negotiate in good faith. I have been working short sales for 9 years and am blown away at their lack in communication or consequences behind not working files properly. They need a serious overhaul and should be required to train their staff. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They told it was verified and it could never be verified because I did not file bankruptcy XX/XX/XXXX I filed XX/XX/XXXX my ex finance we were not married filed XX/XX/XXXX and we had a lot of debt that together but that needs to be removed at once I finally re established my credit only to have this put on and it 's effecting me getting a mortgage or a home or car please help me all other request to credit agency 's went on deaf ears 

Company response: Company chooses not to provide a public response
Consumer complaint: Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated 

Company response: Company chooses not to provide a public response
Consumer complaint: Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX cashed a check in settlement of money owned. We received a notice from a creditor, Financial Data Systems, XXXX, that XXXX passed our account to them for collection due to non-payment. Prior to this notice, we received no second or third notice of non-payment from XXXX, and we had no reason to believe after the check was cashed that there was any potential issue with the account or XXXX accounting. We contacted XXXX XXXX on XXXX XXXX, and they stated they would open an investigation and have a superior call us. We contacted Financial Data Systems, XXXX to inform them of the error, and Financial Data Systems, XXXX stated they would await notification from XXXX XXXX XXXX On follow up on XXXX XXXX, no investigation had been started by XXXX XXXX XXXX Re-requested both an investigation and a call back from the supervisor. We continue to be at risk of Financial Data Systems, XXXX filing derogatory payment data to credit reporting agencies due to this error despite being pro-active and aggressive in seeking a resolution. All consumers working with XXXX for medical billing should copy / scan all payments before mailing and keep a copy of the cancelled check ( front and back ) on record. At the time of this complaint, the issue remains unresolved. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Transunion has a hard inquiry on my credit report from XXXX XXXX. I informed them that XXXX XXXX was only doing identity verification and not a credit application. I have attempted to do the dispute with Transunion online twice but was unable get the correct options to go through. I called Transunion customer service to dispute over the phone. They said I needed to get a letter from XXXX XXXX stating that it was not a credit application and fax it to their offices. I secured the requested documents and faxed them as instructed on XXXX XXXX 2015. I called XXXX XXXX 2015 to get a status and was given the same instruction over again because they did n't see anything. That was my 3rd attempt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my Loan in XXXX of 2014. We bought the sales promotion of XXXX and tried to do a refinance through them, only to find out that every time XXXX of the banks called they would pull a credit report without permission from us, thus lowering our credit score. Making it more profitable for the banks because they would now be able to give us a higher interest rate ( conflict of interest ) So my issue with the credit reporting companies is the use of the review or a credit as a part of the formula for a credit score. This is creates a vicious circle and allows the credit companies originally developed by banks to keep you with or in your current loan. When a customer shops for a loan, they need to talk to a bank, the credit score is then pulled, lowering your credit score. 
We finally received our loan but now the credit score because we shopped to get the best interest has gone against our insurance for our home. This should not be allowed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX put a wrongful lien on my accounts. After challenging they accepted their mistake but the negative factor still is reflected in my credit reports 

Company response: Company chooses not to provide a public response
Consumer complaint: CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Submitted a short sale package to Shellpoint on XX/XX/XXXX. To date I have not been contacted at all despite being the Authorized third part and my multiple calls to the point of contact. This company does not communicate or keep track of documents, I have literally emailed and faxed documents XXXX of times and each time I call in customer service tells me they are still missing them. It 's like they are working files from XX/XX/XXXX and have not updated their systems and are not following regulation x. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called my car loan company on XX/XX/XXXX ( due date is XX/XX/XXXX, but I worked a lot that day, I am a nurse, I ca n't stop to make personal phone calls ) to ask for one month deferment ( I was never late with any payments since I got the loan, XX/XX/XXXX ). The man who answered promised that he approved XXXX time deferment as long I pay a XXXX dollars as a fee ( was very evasive, rude, hostile, condescending, but told me that in the loan conditions the consumer can get XXXX deferments, XXXX each year, later I was told different from another employee, that the deferment can be taken even two months consecutively ), the employee XXXX, ID XXXX took a XXXX debit charge ( said that it was a fee for the deferment ), but did not do the deferment ( I found out on XX/XX/XXXX when the company called me ( I talked to XXXX, ID XXXX ) to tell me that I am late paying my monthly payment. I told them what happened and they said they will fix the issue, do the deferment and just call next day and check. I did called next day, XX/XX/XXXX and the initial employee ( XXXX, ID XXXX ) who took the XXXX dollars payment answered. It was still not taken care of. I asked him how come he did not do what he promised, the deferment. His answer : " I do not know what happened ''. I believe that he deceived me initially to cause me to lose my car, so Wells Fargo Dealers Services can collect the loan AND the auction value of my car. 
I have a letter dated on XX/XX/XXXX sent to me from Wells Fargo Dealers Services that says that I made a payment of XXXX dollars, no mention of deferment. So XXXX, ID XXXX deceived me. Never had the intention of defering any payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initially disputed this account XXXX/XXXX/XXXX with XXXX via XXXX. After the file was investigated it was confirmed that the account was activated at my property XXXX year prior to me buying it. I have proof that I closed on the house XXXX/XXXX/XXXX. XXXX should not report this on my credit report. 

This is a excerpt of the letter I received from XXXX. 

We have investigated your complaint and found our client, XXXX, listed the above-referenced account in our office on XXXX/XXXX/XXXX to collect on their behalf. The account was activated at an XXXX XXXX XXXX address on XXXX/XXXX/XXXX and disconnected on XXXX/XXXX/XXXX. The last payment was received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, any negative reporting XXXX made to the credit bureaus was marked for removal as a dispute. 

It appears your dispute regarding the account is with our client. We have closed and returned the account to XXXX, as well as forwarded a copy of your complaint and our response. Any further information or questions regarding the account will need to be addressed to XXXX. 

XXXXAs of XXXX/XXXX/XXXX XXXX is reporting this same account on my credit report again through Enhanced Recovery. Please help put a stop to this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a current loan open with Total Finance out of XXXX. I am having some issues as far as harassing and extremely demeaning treatment from multiple representatives there. And every time I have tried to speak with someone in management I have been hung up on. My XXXX is not very good, and I am thinking that maybe that is why I am being spoken to that way. Today XX/XX/2015 I called to place my son on as POA, so that he could better understand them so we could clear up any further issue they may have, which I will explain their current issue in a moment. Instead of being helpful, my son was yelled at and ridiculed as if he was not smart enough to handle the matter. I am now beginning to have anxiety about the treatment and with no manager to ever get on the phone, I do n't know who to turn to. 

As for the issue they are having, of course I keep a current loan with them, and I do fall behind from time to time. I have been paying for over XXXX months, and yes I have been late several times, but my intention is to pay always on time. My issue is that they are calling my sister and mother with the same type of harassing demeaning approach. Please I need help on what to do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America completed my loan modification on XXXX XXXX, 2013 after taking 31/2years. Bank of America faiked ro bring my loan current hnder the terms if the modifications and also failed to brring my escrow account current undsr the terms if the modification. Bank of america has refuses to correct their fraud after many many certified requests. Bank if America has also failed ro report my loan accurately to all XXXX credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working with trans union on getting my credit report corrected. I contacted them to have them chage information about my student loan they are showing that therre payments but there are none until 2016. I have contacted the agency about my XXXX XXXX account the agent said they understood what i wanted to dispute and restated what i told them. I pulled a copy of my report today the acount was there and undisputed. The agants always seem to be impatient and rush you off of the phone or interupt you stateing the understand and will help you but then the dispute is undone or done incorrectly. Account termsCreditor name/info, balance, payment, etc. 


Account statusPaid bill on time, account closed, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Zales account - which is a Citibank product. I am behind on payments and am trying to make a minimum payment. Their website will allow me to pay only THEIR minimum payment which includes all arrears - {$590.00}. I do n't have that much and would like to make a smaller payment, but their website will not allow me to do that. I want to pay - I just can not catch up right now ( going through divorce ). Should n't they accept any payment? After the first year, they added over {$1000.00} in interest to a {$2500.00} bill. Insane! 

Company response: Company chooses not to provide a public response
Consumer complaint: An incorrect previous address is appearing on my credit report. I fear identity theft as a result of that. 

Company response: Company chooses not to provide a public response
Consumer complaint: The You 've Earned It Program offered by the Maryland Mortgage Program is in violation of the FTC regulation,16 CFR Part 321 Section ( l ) ( 1 ), due to its deception and unavailability of use. The section clearly states that " an act or practice is deceptive if there is a representation, omission of information, or practice that is likely to mislead consumers who are acting reasonably under the circumstances, and the representation, omission, or practice is one that is material, i.e., likely to affect consumers ' decision to purchase or use the product or service at issue. " The You 've Earned It Program was initiated on XX/XX/XXXX, the terms of the program are still available at the following link : XXXXThe program was then expanded on XX/XX/XXXX, to include Veterans, that announcement was made directly through a press release from Gov. XXXX 's Office : XXXXBased on this program, I decided this would be the perfect assistance I needed to buy a home, I had not considered this an option prior due to my large amount of student loans. So once I became aware of the new program on XX/XX/XXXX, I followed all of the required steps of the program. I acted as quickly as one can in making such large decision, and was able to find a suitable home, and negotiated an offer. The day XXXX have my offer accepted, an offer that was written based on the program at the time of conception, I am told that the You 've Earned It Program has been drastically modified and I am not able to obtain the original benefits. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Phone calls every hour from the same number attempting to collect a {$60.00} fee - which is a late fee on a contested late fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had several fraudulent charges that appeared on my account. I had made several appointments with XXXX local banking centers to resolve the issues. The banking center were a party to the delays in reporting the claims and as a result my account accrued additional fees and surcharges. 
Examples of the fraudulent charges : Major retailer charges without the store number associated, multiple charges on the same day containing the same transaction number for various amounts, charges at local gas stations for XXXX and XXXX my normal charges, Schedule rollovers being delayed, Transactions where the major city and state do not match, holds being placed on my account for ghost transactions, my account being charges a fee for reporting fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: Short sale package and offer was submitted to Shellpoint, after 5 months the investor denied the file. The negotiator at Shellpoint told me we were meeting the min net. Now shellpoint will not call me back to explain why the investor countered. I do n't know if they want more money or what. I have reached out to shellpoint about XXXX times and even upper management and no one will return my calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am trying to refinance my mortgage loan that I have with XXXX. I have XXXX mortgages the XXXX and biggest is with XXXX and the XXXX XXXX and smallest is with Green Tree Servicing. On XXXX of 2015 I tried refinancing with XXXX but Green Tree, owning the XXXX mortgage to my home refused to subordinate the loan with XXXX. I fall under the HARP program but have not been able to take advantage of this opportunity because of Green Tree. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had this number for almost two years now and have been called by XXXX to XXXX collections agencies to include this Southwest which I called on XXXX XXXX, 2015 to tell them I am not the party they are attempting to collect from and have no idea whom they are. They ask for XXXX or XXXX XXXX each time. I am not sure if I spelled XXXX correctly. I again called this collection company on XXXX XXXX, 2015 for a call I received on Sunday XXXX XXXX, 2015 to let them know I was reporting them and a XXXX claimed I have never been called by them. Seems they all say that, but I maintain a scrap paper note of these calls and Southwest is one that has called with the same telephone number. My home phone is unpublished and unlisted for my privacy. 

Note I have been receiving collection calls for this party from the day I switched from XXXX system to XXXX and one reason I changed was because I received calls on XXXX system for a different party collection. I am filled to my ears with the annoyance as they call from morning to night, seven days a week. I am about ready to shut down my phone service. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This item should have been removed from my credit file XXXX XXXX as the XXXX mortgage was what Bank of America did was make a XXXX dollar payment on the XXXX mortgage on XX/XX/XXXX to extend the XXXX mortgage on my credit file until XX/XX/XXXX I have made numerous calls to Bank of America on this and complaints through the credit bureaus with no luck at Bank of America they just hang up the phone on me I did not think it 's was legal for Bank of America to make it {$1.00} payment and close out a loan as paid and closed on my credit file and stating that the consumer myself is the one who closed out and made the payment the account I never made such a payment nor did I make a payment on the XXXX mortgage which fell off credit report on XX/XX/XXXXThis is a XXXX mortgage were talking about from Bank of America why would I in my right mind make it XXXX dollar payment and pay off a XXXX mortgage when the XXXX mortgage was foreclosed on and has already been removed from my credit file I need to get this removed from all XXXX credit bureaus the XXXX mortgage. 

The XXXX years has passed I never made this payment of {$1.00} or closed out this loan I am attaching documents showing the XXXX dollar payment on XX/XX/XXXX on my XXXX XXXX credit report I also need to have this removed from XXXX and XXXX credit bureau reporting agency 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX from PRAXIS FINANCIAL SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has repeatedly called my place of employment even after being informed not to call my place of employment. 
XXXX XXXX fails to identify himself as a debt collector and just gives his first name and asked to talk to me. 
I informed XXXX XXXX that we had already informed him that he was not to call my place of employment, he denied ever calling my job before. 
XXXX XXXX will not inform me what he is calling about unless I disclose personal information which I am unwilling to do to anyone over the phone. 
XXXX XXXX manner conversation manner is to talk over you and to repeatedly ask you for the same information, he will get a very aggressive tone as to try to intimidate you into complying with his demands. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. 
My home appraised for {$530000.00}. 
I have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. 
I now have 79 %. LTV so I should not have PMI insurance. 
Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: We refinanced our home in XXXX XXXX, XXXX with XXXX XXXX XXXX XXXX they charged us bogus closing fees and also did not give us a Good Faith Estimate. Banking and Finance in XXXX let us know that XXXX XXXX XXXX XXXX did not have mortgage license in XXXX.when they refinance us in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX license expired XXXX XXXX, XXXX. We found out from XXXX the lender title insurance company that the lender title insurance with XXXX XXXX XXXX XXXX was still active in place. We had a title search done on XXXX XXXX, XXXX to question the validity of debt with Bank of America. The title search came back that XXXX XXXX XXXX XXXX still has a open security deed on the property.Bank of America claim they own property but according to title search the only thing listed is a subordinate note with the XXXX in the amount of XXXX. Bank of America got XXXX on our behalf from HUD on XXXX XXXX, XXXX to reinstate our loan where we were behind in payments. Bank of America got the XXXX in our behalf and tried to hide the XXXX by taking us out of our FHA loan. Then Bank of America put us into a in house modification to hide the HUD money of XXXX that they received in our behalf. Bank of America to this day still has n't reinstated the loan. 

Company response: Company chooses not to provide a public response