AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The reason for this letter is to inform you on the amount of time it takes to get a response on a dispute. On XX/XX/XXXX, an unauthorized transaction took place on my card while I was in church. On XX/XX/XXXX, i noticed this transaction on my account. I called and spoke to a Regions Banker and I was told that I could not dispute it until the money was no longer pending. XX/XX/XXXX, transaction is no longer pending, so I called back to dispute the transaction. I was interviewed over the phone. I was also faxed over documents to sign and return. I returned the documents the same day. I was told that it would take XXXX business days up to XXXX business days. I called back on XX/XX/XXXX and was told by a Regions Banker " I 'm sorry that you thought it took XXXX days '' ... In addition to speaking to over XXXX Regions Bankers in a XXXX week period, I 'm still coming up with the same answer, " There 's nothing in the system about your request ''. " It can take up to 10 business days ''. " Please hold for XXXX minutes ''. " XXXX XXXX, there are no notes in the system, your dispute is still pending '' ... After XXXX weeks. I 'm still empty handed. I received a letter in the mail that told me to return the information within XXXX days of filing my complaint or my request will be dismissed. After looking over the letter, I realized that these were the same questions that I have already answered. 

When calling this past weekend, I was told that your office had not received the information that i faxed over on XX/XX/XXXX, and then again on XX/XX/XXXX. When I was adamant about returning the documents, the representative finally put me on hold again. She came back to say ask, " What time did XXXX fax the information ( on XX/XX/XXXX )? She locates the information that I initially faxed on XX/XX/XXXX. I was then told that it 's being expedited, which i 'm not understanding because I have already reached my XXXX business day. The representative old me to give an additional XXXX business days ... This has been the biggest inconvenience for me. I had to spend additional money to rent a car and borrow money to compensate for the money that should have been in my account. Your policy on disputes is the worst that I have EVER encountered. The communication with the customer service representatives and your fraud department is awful. Your bank locations and ATM 's are a huge inconvenience and this has really pushed me to close my account and go elsewhere. I am passed disappointed in the customer service and your policy for my situation. This has literally had me scrapping up change. As of Friday, I had a utility disconnected because I have yet to receive my {$150.00}. This disconnection also comes with a {$75.00} re connection fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting a paid collection that was settled with XXXX XXXX XXXX in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My XXXX score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from Experian on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact XXXX XXXX about my concern. He also stated that XXXX XXXX responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires Experian to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with XXXX XXXX as well. XXXX XXXX says that they can not report nor correct the correct information and that I must contact Experian to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct Experian to update the account with the correct info, XXXX is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted XXXX Hospital several times now and this debt was removed from XXXX of the credit bureaus since they have no record of this on file for me. merchants Credit guide removed this debt on XXXX XXXX from XXXX and XXXX. I contacted Merchant 's credit who is reporting this still to XXXX and they refused to listen to me, were rude and told me they are authorized to continue to report this as long as they want. The representative said that XXXX Hospital is telling them to continue to report this. XXXX says they have done no such thing and have no record of anything owed for me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX and XXXX pulled my credit without authorization and has lowered my Credit Score and prevented me from receiving a much needed loan with XXXX XXXX to expand my business. This intentional error in reporting and unauthorized inquiry has caused me monetary harm and inflicted undue stress and embarrassment to my family. Further we due to the nature of the inquiry we believe that the reason for this action was punitive in an effort to lower our credit scores to make us pay more for a loan with a different contractor. 

I was approved for a loan by XXXX in XXXX. The loan had a window of six months to add the costs of the project into the loan before it closed. XXXX did not complete the project in time and when they finally finished the loan had been closed to any more charges. So at that point and without our permission, written or otherwise, XXXX and XXXX decided to create a new loan account without authorization. At that time BOTH XXXX and XXXX pulled a copy of my credit report. This was a full seven months after we agreed to be considered for the first loan by XXXX, NOT XXXX. We were not contacted other than to tell us that a new loan have been made and our old account had been closed. 

I received notification through Experian credit watch tool that XXXX had ran my credit. I contacted XXXX about it and they basically told me to contact the credit reporting agency and they would remove the inquiry as they had made an error. As for XXXX they just automatically did a hard inquiry as though I had authorized them to create a new loan, I had not. 

This is unfair, punitive, and mindless assault on my family 's credibility and financial well being. I want those inquiries removed and the damages incurred remedied. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Repeated calling more than once a day. I remind collector the same thing each day called and even explained options available. I have requested not to be contacted at such frequencies due always the calls are at working hours. Creditors are also calling family members. Some operators have even escalated tone of voice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I periodically monitor my credit report activity and I notice XXXX XXXX listed on my Trans- union report. I have disputed this item on several occasions but the debt collector appears to sell this account. On XX/XX/XXXX a company named XXXX XXXX attempted to collect {$540.00} for XXXX, On XXXX/XXXX/XXXX XXXX, {$430.00}, on XXXX/XXXX/XXXX XXXX {$430.00} Too many times have these companies have showed up on my report. I have sent them a validations letter they remove account and later put it back onto report. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is in regards to a joint checking account with Santander Bank ; my son & I opened the account approximately 10 years ago. My son XXXX is the primary user of the account. Over the 10 years he has never bounced a check. XX/XX/2015 he made a mistake and the account became over-drafted ( he did n't realize ) a few days later he received an automated deposit in which made the account positive again. He then paid his rent and other bills with out knowing he had been charged several over draft fees. This resulted in the account again becoming over drafted. Apparently he was allowed to continue to use his ATM debit account due to the fact the account has over-draft protection. The account went several days into over draft before he realized the entire situation. Once I called the bank & spoke with the branch manager they had charged the account {$40.00} per day with a total of {$750.00}. The manager after checking with her regional supervisor agreed to refund {$100.00}. My complaint is as follows : myself nor my son where given written or verbal notice of the over draft of the account or fees being charged. 
1 ) The fees are excessive in nature! 
2 ) The overdraft protection should n't allow the consumer continue to engage in charges to the account when over-drafted after a certain amount of usage. 
3 ) The bank has misused overdraft protection allowing the bank to charge the consumer absorbent fees without notice. 
4 ) The fees charged to the account and action taken by the bank is egregious towards consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a request for a Security Freeze because I am a victim of identity theft. I have sent the request twice and they have continued to reject my request and not protect my credit althought I sent police report, drivers license, ss card and proof of address. I sent certified on XXXX XXXX XXXX and XXXX XXXX XXXX. I sent for my wife XXXX also. XXXX have not been responded to. They signed for XXXX letters 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for the Florida Hardest Hits Program after loosing my job two years ago. It has been a complete nightmare. The latest occurrence was when Wells Fargo stated that I should send them {$5200.00}. After I informed them that I could not send by the XXXX of XXXX, because after having to borrow the funds that check had not cleared my bank. The representative stated that should be Okay due to the fact that the quote was good through XXXX. They received my funds on XXXX XXXX. Then turned me down for the program stating that I did not qualify. However, Just after that I received a certified letter stating that they were going to take possession of my property with 60 to 90 days. They stated that they because they had n't received those funds by the XXXX that they have to start over. I received a phone call from my representative from the hardest hit program stating that once again I was turned down for the program. She stated that I do qualify for the program and to fight for it. So I have gone through numerous representative with Wells Fargo. The last one keeps vying more time for Wells Fargo and I am not sure why. It has been two months since they have received my portion of the funds and they have not even issued another quote or requested the funds from the hardest hit program. What I feel is that is when my application for the hardest hit program may expire. I have been approved for the XXXX and with my personal amount my mortgage would be current by now. 
Wells Fargo continues to blame the hardest hit program and the Hardest Hit program tells me to continue to fight for it. 
Its not the first time I have had issues with them. I have supplied information continuously for years. I had a local branch manager to send documents for me and still they cried that never received it. Even he said this is XXXX. I am just trying to save my home. I am a single parent of XXXX dependent children. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have had a citi credit card for years. In XX/XX/XXXX I discovered fraudulent charges. I immediate notified citi and had my card closed anda new card issued. One place it was used fraudulently was XXXX. After I recieved my new card I saw XXXX bill me again and again the next month. I contacted citi and disputed the charges and was credited back. I was told closing my new card and getting a new one will not help. I ca n't get them to stop XXXX from billing me. I need help! 

Company response: Company chooses not to provide a public response
Consumer complaint: I went through the loan modification process with Flagstar bank and my modification was approved with my new mortgage amount. My agreement from Flagstar bank and signed by XXXX XXXX on XXXX XXXX, 2016 as a true and certified copy. Since my new agreement, I have been making my payments on-time and I still receive collection calls from the Flagstar XXXX XXXX at XXXX, today I have receive a call from XXXX. I have informed Flagstar 's employees XXXX that I have a new agreement in place, have made my payments and request the calls to cease but they have failed to do so. I have repeated ask if they kept notes in their system on the previous calls since it is " recorded for quality assurance '' and it is apparent to me that XXXX do not keep a log of the calls that they have made to me since I had my XXXX Modification Agreement XXXX signed and approved. This action by Flagstar is gross harassment when they call my cell and home phone. If I have any legal standing to take action against Flagstar and XXXX please advise me. Attached is the XXXX to support my position. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I first contacted the hospital in reference to XXXX medical bills showing on my credit report. They would not give me any information about this debt, saying that all communication must go through the collection agency. They stated I must contact Syndicated Office Systems for any information. I called Syndicated Office Systems and inquired. They refused to give me any information about the debts, dates of treatment or anything else. They insisted that I must provide them a phone number, even after I advised them of my name and SSN. Their representative was rude and abusive and hung up on me when I advised him that I would not supply a telephone number. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Express Recovery is attempting to collect an erroneous debt from me & a new business I have that was not even in existence when this debt was incurred. My new XXXX XXXX XXXX XXXX XXXX has n't done any work/business yet nor do I even have a business licence. I opened this business a month ago and they are claiming I owe something from 2015!. It is absolutely erroneous and they are rude when I call and tell me it is being forwarded to their attorney for collection. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Jefferson Capital Systems continues to send me letters to collect a debt for XXXX XXXX that I have already settled. I have sent several letters to Jefferson Capital Systems and have not received a response. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is my first mortgage payment. it was transferred to Roundpoint. First, I tried to pay my first payment early. I accidentally typed the incorrect routing number. I called immediately. After an hour on hold, I was told there was nothing I could do, it would be rejected by the bank in a couple weeks. To avoid a late payment, I had to make an additional payment now. I went and immediately made an additional payment. This was taken from my bank account. However, my mortgage account now says this payment was also rejected, because it was applied incorrectly. So the money was taken from my account, but not applied to the loan. I can not make another payment ( as the money is not in my account anymore ), but I am still going to be assessed a late payment. I have been trying to get in touch with customer service for an entire day, with no answer. All I want to do is make my first mortgage payment on time, and roundpoint is literally making it impossible for me to do that. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My boyfriend and I applied for a mortgage pre-approval with XXXX from Finance of America Mortgage LLC on XXXX XXXX, 2016. After speaking with XXXX, he said we were good to go and we put an offer on the house ( XXXX XXXX XXXX ). They accepted our offer and we sent them a check for the deposit of {$1000.00}. On XX/XX/XXXX, I received an email saying we had to place a stop payment on the check, which I did. We had to resign our Agreement on XX/XX/XXXX and send out a different check. Once this was completed, we ordered our home inspection. Post inspection, the purchase price was dropped based on outcome and we went through the negotiations. We then received a settlement date of XXXX XXXX, 2016. Everything was going great and smooth. The appraisal was ordered and we were told we were good to go. On XXXX XXXX, 2016 we received a call from XXXX telling us that the loan was not going to go through due to XXXX 's employment history not being long enough. We had disclosed this information at the beginning of the pre approval process and had inquired if this was going to be an issue. It had been explained to us that this was not going to pose any problems later in the process. All of the information regarding issues with our loan was not brought to our attention until a week before our scheduled settlement date and after we had paid {$1200.00} for various fees involved ( ie. appraisal and inspection ). We feel that had it not been for a lack of proper communication on XXXX 's part that this financial loss could have been avoided all together. I have requested my appraisal fee back from Finance of America Mortgage. We were not properly notified that this mortgage was not going to be approved and feel as though all fees involved are due to be paid in full back to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was n't giving information to cancel or close account 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been getting calls for months from a company called receivable performance management. They are calling to retrieve a debt for someone I do n't even know. I have told them many times to remove my number and do not call anymore. They said they would but continue to call many times everyday. They are very rude and usually hang up on me when I try to explain the situation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been trying for over a year to get this account off my credit file and I have been unsuccessful. This account is not mine and it has been removed from my credit file at XXXX of the XXXX agencies but it remains on the XXXX, XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all XXXX of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I owed a XXXX phone bill which was sent to collections. I had several collection companies calling me and I settled with a company called XXXX XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) on XXXX/XXXX/15 for {$120.00} ( confirm # XXXX ). I keep getting calls from Debt Recovery Solutions and this debt is still showing as owed to Debt Recovery Solutions on XXXX which is hurting my credit score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a loan from the cash store for a total of {$2000.00} and was told that the payments will be deducted from my checking account if I was not able to pay. I have been charged an overdraft fee because the funds were not available and even though I notified them in advance the my told me that there was nothing that could do besides refinancing my loan and making me start all over for a payment that was only about {$100.00} dollars cheaper but still almost unaffordable. My payments are currently {$500.00} and I can not afford them I am being charged upwards of 400 % maybe even more. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: During the mortgage process I asked the lender to match the rate of the competitor. They obliged my request but failed to disclose that they obtained that rate not by matching it but by having me pay points to buy the lower rate. It was not broken out separately in the closing documents and was only brought to my attention when the tax statement for points paid arrived. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This is Contienetal Finance/ XXXX Credit Card.I sent them a letter on XXXX XXXX, 2015, citing law 15 U.S.C. Section 1692c, to cease all phone calls to me or anyone I may or may not know. From that date until XXXX XXXX, 2015, they have made over 26 calls. I sent a second letter to them at that time. Since then they have called 26 more times. I have sent letters to other creditors and they have acknowledged them and have stopped calling. This company wo n't stop and if I answer the call, they hang up. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed information that did not belong to me on my credit report and reached out to this company to dispute that information. When the dispute was finished, however, the information was still on my credit history. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credco applied a hard inquiry to my credit report when I was told it would not show up as one. I asked about my options for a loan not to apply or be approved for one. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted request for annual credit reports. I 'm going through a divorce with a certified sociopath and have received a collection bill for a XXXX card. I 've never had a XXXX card. After answering the security questions for Experian, it said that due to security issues they were unable to provide report??? However, there was no problem with XXXX or with XXXX. I need that report ASAP online. 
Thank you. 
XXXX XXXX XXXX 

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