AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have had water damage to my property and the mortgage company 's lost draft department gives me different answers every time I call. I am never able to speak to a Manager or Supervisor, they are always in a meeting. Online they have requirements that are outdated. As a consumer, how can I follow a process that is incorrect no matter what source you contact or research online. The water damage happened on XXXX different areas of the property and they combine both claims conveniently to allow then to put me through the monitored process. If the claims were separated I would not even qualify for the monitored process. I have paid monies out of my own pocket to begin the repairs but they are refusing to release the funds to reimburse the monies spent or for other items such as appliances and XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received a mailed notice from True Accord Corp. dated XX/XX/XXXX stating that owe {$3900.00} to XXXX and that this balance has been due since XX/XX/XXXX. I have no recollection of ever dealing with XXXX or purchasing any thing from XXXX. 
My account # at True Accord is XXXX. I suspect that this is a mistake or fraud. I first e-mailed True Accord XX/XX/XXXX to inform them that the debt is not mine, They responded on XXXX by e-mail restating the I have an outstanding balance of # XXXX and advised me to file this complaint. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have a loan with Carfinance.com. Since the first payment XXXX I have paid an extra XXXX every month to go to Principle. Then in XXXX I started paying an extra XXXX to principle. Car finance will no longer send me a statement because I am paid too far ahead, I want a monthly statement so that I can track how they are applying the funds. 
I have to call them and they sent a statement but the statement is all messed up. sometimes, ( XX/XX/XXXX ), the whole {$610.00} was applied to principle, on XX/XX/XXXX {$170.00} was applied to interest, then the next month XX/XX/XXXX {$220.00} went to interest. The interest should go down if the principle is reduced. I can send you a statement if you would like to see it, my account # is XXXX if you want to contact them. 
Thank you, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a mortgage loan modification agreement in which Citigroup XXXX XXXX XXXX XXXX did not comply with the Loan Modification. The mortgage was assigned to Citi from XXXX in XX/XX/XXXX. In addition as a result of a settlement agreement between the United States and Citi in XX/XX/XXXX, we and other consumers were to be contacted by Citi in regards to the settlement agreement and advised of our rights under it, however Citi never contacted us and most likely many other consumers about their rights under the agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for this secured card, and a few days later i received the attached letter in the mail basically stateting " Thank you for applying, please fund the account, if we do not receive funding for the account an account will not be established '' This is basically what i understand the letter to read. Long story, short. I never funded the account and yet, an account was established and is showing up on my consumer credit report XXXX. I claim they should never have opened an account much less report it to my credit reports. I want them to delete all information from these XXXX credit bureaus. I am sending the letter that started this whole issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit company Transunion is reporting that I have several things on my credit report that is affecting my credit score inasmuch its preventing me from obtaining apartment rentals and the financing of an automobile. The false information that is being reported are evictions, a lien judgment and identity of current addresses that does not reflect my credit history because these places in which are reported are not of any former or current residences. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Opened checking account with Wells Fargo. Noticed {$20.00} charge on the account. Inquiry showed that they sent me checks, which I did n't order. When I complained about that they refused to refund the fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new Home owners insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation 's they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So, now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation. They attached a document to the last complaint, that would n't open, 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion keeps deleting and reinserting a charge off account from XXXX ( XXXX ). This needs to stop. This account is old and past the statute of limitations so why now is it being reinserted. Transunion needs to be held accountable for providing accurate credit reports. This is extremely damaging to my credit score. I have retained an attorney and if this account in not removed permanently I will be forced to pursue legal action against transunion and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I disputed a tax lien that is invalid and inaccurately reported to my account and Transunion has failed to answer me, respond or send me any descriptions and procedures which I have requested and I have run out of patience as this has caused me tremendous stress and loss. I have sent them many request by mail to correct this and they have refused to cooperate. They are illegally reporting a tax lien under # XXXX. I have spoken to the agents who were very aggressive and rude to me, they have denied me any information on how they keep verifying this inaccuracy which was pulled off of my credit report by the State and has since been refunded to me. They are not properly doing their job in secrecy verified or investigating this item, which has left me unable to obtain credit and explain to my mortgage lender attempting to refinance my home. I begged and pleaded on the phone and by mail for them to discuss with me why they have not responded and who had verified this and they failed to provide me with an answer and the agent transferred me to their supervisors who hung up the phone one me while i was speaking to him last week. I have no options left. I have called the state department of recordings an they have informed me that there has not been any attempts made on my name to verify anything, nor are those liens on file with their offices, What is going on with this company? They have to understand what a nuisance this has been to me, and I fear that they do not want to admit any mistakes or take responsibility for the disputes I am raising against them. I will file a complaint with the XXXX as well to inform individuals who are suffering like me to fight this and contact attorney if they are able to. I can not believe how much they have ignored me and blindly verified fake listings with providing me any descriptions and procedures to go along with their results. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report for trans union. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dis attorney off XXXX XXXX XXXX XXXX XXXX XXXXIs a account that is opened by mistake, this account is in XXXX current and payments are being paid on time for a few years now. XXXX opened the same amount and is reporting negative remarks and late payment history. 60-90 days late payments on a account that 's being paid in XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unable to pay the full payment amount which is $ XXXX+ per a month for my student loan. I called Loan Science to set up a reduced payment plan. They are only able to offer me a reduced payment plan of {$360.00}. I advised that I am unable to pay that amount. I am only able to afford to pay {$200.00} per a month. They told me that there is nothing that they can offer me right now. But, to check back with them at a later date to see if they have any new programs. I told them that I was trying to set up the {$200.00} payment plan before I received a late payment on my credit report or before the loan went into default. They then told me that once my payment becomes more delinquent they will have other programs that they possibly can offer me for a reduced payment plan. But, why ca n't they just set it up now - why do I have to wait until I have a late payment on my credit report or my account is in severe delinquent status before they will adjust my payment amount. They 've done it before, but only after they dinged me on my credit report for XXXX days late - why do I have to have my credit destroyed before they 're willing to reduce my payment when they could set it up now and I could avoid dings on my credit. That seems wrong to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX and Experian Credit reporting bureau continues to report inaccurate and outdated information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received notification from USSA regarding an automobile payment being more than 30 days past due, therefore it was going to be reported on my credit. USAA is stating that I made the payment on XXXX XXXX of 2015 ( which was two days past the 30 + days time frame ). I have called the company and asked for clarification as the payment was made on XXXX XXXX, 2015 ( one day before the cut off date ). The explanation given to me was that though I did the correct thing by making the payment the day before it was 30 days past due, they can not remove the credit reporting. Their reason is that because I do not have a banking account with them, but I do with a third party bank, it sometimes takes longer for USSA to process the funds. Despite a long telephone call, there was no resolve. I explained to them that I have no control over how their company financially operates, I only have control over when I made the payment and it was before the date they are claiming. I feel that this is a deceptive business practice and should be looked into further. There is no reason that my credit should have a blemish because of their practices, which I have no control over. I also asked if I made a payment that technically was n't late, but my funds were not processed by USAA before the date in which it would be considered late, would I get a late fee - and I was told yes. Basically, no matter what I do or when I pay, it 's when THEY decide to get the funds and they go by that date. This is not fair to the consumer. I was told that I would have to go through a long process with disputing this with the credit bureaus, which I do not have time for and should n't have to go through the hassle due to their " business practices ''. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers, and after filing a complaint XXXX months ago, in which the company stated it may take a year from my original opt-out date of XXXX 2014. It has been well over a year and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do?? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have student loans from XXXX College called Genesis loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX College to a new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. But as of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX Colleges. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Outdated information and negative old medical collection accounts continued to be report by XXXX despite payments made in full. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a phone call this afternoon from a XXXX XXXX. She represented herself as the attourney for Consumer Asset Management. 
Her claim was that I owed XXXX $ on a credit card. I explained to her that that was impossible as the credit card she was referring to was in fact closed and was closed with a XXXX ballance. 
I asked her about the original creditor to find this information out. 
During the call she told me that unless I paid today they would be filing a lawsuit to garnish my wages in my current county. 
I again told her that this was not correct and got her information. 
I emailed the contact for Consumer Asset Management and they informed me that there was a company with a similar name in texas that was most likely using there name to do something illegal. 
I also contacted my creditor and confirmed that the card had been closed and had a XXXX ballance. 
I call XXXX XXXX back at XXXX ext. XXXX. 
She again tried telling me I owed money only this time telling me that they would accept XXXX {$.00} 
I informed her that I had contacted my creditor and that they in fact confirmed that they were in good standing. 
At this point she told me to hold while she went to get my file and hung up on me. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have a Best Buy credit card and made a purchase on a " no interest for XX months '' promotion that expires in XXXX. There is only a small balance left on this promotion. I realized this month that the total balance shown on my monthly statement does not include this outstanding promotional balance. So for several months, I have been paying my balance in full - I thought - but in reality I have only been paying for the last month 's purchases, and my promotional balance has not been paid. I think this is incredibly misleading - my " account balance '' should reflect my entire balance. I should not need to carefully read through my entire statement to find a separate promotional balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unauthorized charges were made to my Macy 's American Express credit card during XXXX of 2015. I disputed these charges via phone on XXXX XXXX, 2015. I fully completed Macy 's required documentation of this dispute and returned their documentation ( notarized ) on XXXX XXXX. I received a letter acknowledging the receipt of this documentation on XXXX XXXX. Since then, I have received numerous collection agency calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: Good Afternoon, On XXXX XXXX, 2015, I received a notice from my current mortgage company informing me that my loan was being sold to LenderLive Network , Inc. effective XXXX XXXX, 2015 and I would be receiving a letter with instructions from LenderLive Network , Inc. with my new loan number and instructions for making my mortgage payments. It 's now XXXX XXXX, 2015 and I have n't received anything from LenderLive Network , Inc. I 've tried calling LenderLive Network 's customer service line and have been hung up on 5 times by their automated service. I just want to know where to send my mortgage payment and to speak to a human being at LenderLive for questions. The law requires that new loan servicer companies to notify you 15 days prior to the effective date of the change and Lenderlive Network , Inc. has not sent anything! Please help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid a medical bill that was in collections back in XXXX, it is still showing not paid on my credit report and the company is unwilling to send me information to proceed with a auto loan. I have contacted XXXX and they are submitting a dispute, but I need this done ASAP. Please. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In an effort to improve my credit history I paid XXXX collection accts and satisfied XXXX judgement. I sent the documentation from the collection agencies to delete these accts to the bureaus. To my dismay my credit scores went down on XXXX of the XXXX bureaus and the status of the judgement remain unchanged. I am on the verge of sustaining irreparable damage as I am about to lose my contract to purchase my home and lose my earnest money. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a bank account with Wells Fargo, through which I also had a linked credit card that had a " protection plan '' on it for if I was ever hurt or laid off, and therefore unable to make payments. After years of paying the fees for it, when it came time to use the service ( I was laid off ) they made one payment for me then refused to pay any more. I sent in the appropriate paperwork then XXXX letters requesting the service be turned on, before I finally had to file bankruptcy and lost everything I owned. This was not my only credit card at the time, but it was one of the few with payment protection and it could have made a large difference, especially because I ended up being overdrawn and losing the bank account due to their overdraft fees - they would not stop charging against the account, *even after it was closed*. I never received a single response to any of the letters I sent requesting the service I had paid them for years for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was trying to resolve a dispute with Navy Federal Credit Union regarding a mortgage modification I never received the benefit of. They hired some lawfirm that claimed they did n't have to go to court to foreclose. They filed a bunch of papers with a trustee who was gon na auction off my house with no court proceeding. How is this possible? 
So I got my own attorney and had to do a Chapter XXXX bankruptcy. I mailed a check into Navy Federal for my mortgage payment and it came back to me in the mail. My lawyer told me I have to make payments to them directly even while I make my plan payments. I have called XXXX TIMES since trying to find out and all they 'll say is " ma'am you 're bankrupt now, we ca n't help you. " I know I 'm bankrupt but it 's only cause they were going to throw me out of my home without giving me a day in court. Bankruptcy was the only way for me to access the court system. I think it should be unlawful for them not to take my bankruptcy payments. XXXX rep said they 'd " just be back after the house once my case was over. '' HUH??? I 'm trying to pay my mortgage off!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called XXXX about a outstanding credit matter, they refered me to attorney XXXX i contacted them on this matter they said this matter was closed XXXX 2014 but its still showing up on my credit report I need this matter resolved as soon as possible 

Company response: Company chooses not to provide a public response
Consumer complaint: These folks keep calling and are asking me to return a call about a debt that I owe however when I attempt to call them I am put into a never ending loop and I get to speak with no one. They have also put something on my credit report that I know nothing about but since I can not speak to anyone I can not get resolution. 

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