AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Dear sir/madam, as I was going through my credit report on Experian few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX , XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madam, as I was going through my credit report onTransunion few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX XXXX XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I was married when the mortgage on my house was initiated almost 15 years ago. Both my husband and I had very good jobs. Since that time, we have divorced, and my former husband provides no support. I have had a change in employment, and I am now XXXX. The net result is that the household has a mere fraction of the income that it enjoyed at the time the mortgage was initiated. 
I have applied for HARP relief twice. Both times have been unsuccessful. I have a slight bit of equity in the property, and although payments are sometimes late, they are current. It is a struggle to make the payments each month, and very stressful. My credit card debt has increased because I have used credit cards to pay household expenses such as utilities and insurance while trying to make ends meet. 
My lender has no incentive to aid with HARP eligibility, because of the existing equity and the up-to-date payments. I have been told consistently that I do not make enough money to qualify for HARP. 
The brass tacks are this : if I make enough money to keep the current mortgage current, why do I not make enough money to pay a lower mortgage? 
I was also told that it would be helpful to my case if I were behind on mortgage payments. While the HARP application worked its way through the system, I withheld payments on this advice. The result is that I was still found ineligible, but my credit score decreased dramatically. 
I seem to fall into a borderline limbo. People who have higher relative incomes vis -- vis the same mortgage payment, qualify for REDUCED mortgages. However, I must endure the higher payments ( currently at 5.5 % ) despite lower income. How is this fair? The HARP program would be a godsend to someone like me and would make a world of difference in my month-to-month struggle. It would seem like I would be the poster child for such a program, yet it remains out of my grasp. 

Company response: Company chooses not to provide a public response
Consumer complaint: This item has appeared on my credit report erroneously. I have requested debt validation several times beginning in XXXX 2015. I have received no debt validation however the agency consistently attempts to collect payment and falsely report on my credit bureau reports with XXXX, XXXX, and XXXX. I feel helpless and experiencing extreme harm to my livelihood in terms of my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I properly disputed an invalid obsolete account three times and the account is over 7 years old and TransUnion refused to properly investigate or delete. Please see attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: As of XX/XX/XXXX, Collection agency HUNTER WARFIELD has again reported a collection that, XX/XX/XXXX, was reported to the Consumer Financial Protection Bureau. The collection account was subsequently deleted by all three credit reporting agencies due to my complaints of HUNTER WARFIELD/JEFFERSON XXXX never providing the requested proof of the debt, as well as adding interest to the debt without a judgment as required per the original agreement. I have attached the CFPB summary of the original dispute and action taken. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I called in and got put on a repayment plan to get caught up on my mortgage payments over a 6 month period. I received a letter shortly after that advising me the program I was put on was not valid. I called and asked them why would you put me on a program if it was not a valid program to get me caught up. The customer service rep would not let me talk and kept advising me I needed pmts prior to what I had set up. At that time I requested a Team Leader to try and talk throuth the situation 

Company response: Company chooses not to provide a public response
Consumer complaint: They are trying to charge me for service that they were unable to render to me. after three months of having them come to my house to install and fix the service that they were trying to render to me I had decided to disconnected my service with them. Now that account is in collections I have contacted the collection agency I did a written dispute in detail and now have to deal with unnecessary collectors. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XX/XX/XXXX I responded to a XXXX vacation rental listing XXXX # XXXX XXXX for a townhouse located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL asking if this property was available for rent for XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX responded by email indicating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL was available for rent for the XX/XX/XXXX period for a monthly rental of {$2000.00} plus a {$500.00} security deposit and a {$250.00} cleaning fee. Payment of these funds was to be made via bank deposit, XXXX or XXXX. 

On XX/XX/XXXX, XXXX XXXX emailed to me a rental agreement form and instructions for the transfer of funds. Funds were to be transferred to a Bank of America account of XXXX XXXX wife - XXXX XXXX. The account # is XXXX and the routing # is XXXX. The bank is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

On XX/XX/XXXX, I completed and signed the rental agreement and faxed it back to XXXX XXXX XXXX XXXX # XXXX ) and transferred {$2700.00} to XXXX XXXX XXXX wife 's bank account, On XX/XX/XXXX, XXXX XXXX confirmed via text, the receipt of the full amount of {$2700.00}. 

I became concerned about internet scams involving vacation rentals and on XX/XX/XXXX I was able to retrieve from the XXXX XXXX Florida public data base a copy of the Warranty Deed for XXXX XXXX. The Warranty Deed indicated that XXXX XXXX XXXX is not the owner of XXXX XXXX and therefore has fraudulently listed this property for rent. 
Subsequently, I spoke directly with the property owner and he confirms that his property is not available for rent. 

I have telephone, emailed and texted XXXX XXXX indicating that I wished to cancel the rental reservation and requested that my deposit money be returned. XXXX XXXX has not responded to repeated attempts to contact him nor has the deposit money been returned. 

Bank of America confirms that XXXX XXXX XXXX bank account has been closed and after contacting XXXX XXXX they indicate that XXXX refuses to authorize the transfer ofdeposit funds back to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank sent me a letter, dated XXXX XXXX, 2015, stating that they were unable to add the IRS as a payee in my checking account due to " customer service reasons ''. 
In their letter, Citibank stated that this policy was stated in their Bill Payment Users Agreement. 
I sent a letter to Citibank requesting them to point out in the Citibank Bill Payment Users Agreement where this policy was stated. 
I NEVER RECEIVED A RESPONSE. 

Company response: Company chooses not to provide a public response
Consumer complaint: I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect. 

Company response: Company chooses not to provide a public response
Consumer complaint: To The reviewer of all my complaintsCFPBMy name is XXXX XXXX. I was the owner of the HUD located at XXXX XXXX XXXX, GA XXXX. On XX/XX/XXXX, the house was sold at the steps of the XXXX house. XXXX XXXX Georgia. XXXX XXXX of Wells Fargo requested the sale to be rescinded after my complaint. On XX/XX/XXXX, around XXXX to XXXX, she advised that the sale can not be rescinded. and it was final. Last week, XX/XX/XXXX XXXX County Water Authority called me to tell me a company wanted to establish an account with them. Since my name is the legal owner of the property, they did n't open an account in their name. The same company locked me out of the property and took ownership of the property without an eviction letter. Again prior to the dismissal of the rescinded request. I was locked out of the house. 
The same XXXX XXXX of Wells Fargo told me the HAMP application submitted on XX/XX/XXXX was not reviewed, but the one on XX/XX/XXXX was reviewed. Therefore, this is a violation of Federal Law. I further asked her if I was not qualified for any other Federal program in order to keep my house. She responded " No ''. XXXX XXXX of Wells Fargo advised in XX/XX/XXXX to have a letter of a permanent job offer in order for her to continue with the modification. XXXX applications were submitted to Wells Fargo for review and an appeal form to continue with the modification. XXXX XXXX said that nothing was reviewed. Since XX/XX/XXXX XXXX promised to give me the information about the third party purchaser of the house. She did not respond to her phone call. This is an illegal possession of the house and a wrongful eviction. I hope someone can look at this complaint and act upon it. Wells Fargo has received the bailout money from the US Government but violated the law for modification and put a barrier to minorities to get loans to keep their house. This is pure discrimination for denying me due process. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested that my PMI be removed from my mortgage company ; PennyMac on XXXX XXXX after I had reach my required 20 % of the original loan. I was told that I needed to either get an appraisal or a BPO. My house was brand new when I purchased it in XXXX XXXX, XXXX, so I figured that a BPO would be the way to go since it was cheaper. I never heard back from the mortgage company so I preceded to call numerous times ; XXXX, XXXX, XXXX. I was told that my appraisal by the BPO was {$220000.00} by XXXX person which is above the selling price and then told again by another individual that it was {$190000.00}. The selling price was {$220000.00} and I put {$38000.00} down making the remaining balance {$180000.00} at closing. I have paid my mortgage on time and above the payment amount each month. I even had to call a couple times when I first started receiving my payment bill because it would come late and I was told that I have a grace period of 15 days, which I am aware of but I like to pay my bills before the actual due date. I was also told that a copy of the BPO was sent out on XXXX/XXXX/XXXX which I never received and I told them that, and they said that they would send it out again. I have n't seen the copy as I today. I requested the BPO to be disputed because their is no way my house has depreciated {$27000.00}, It 's a new house and the market is better now than when I bought the house! My current balance of the loan is {$170000.00}. The last time I called was in XXXX XXXX, XXXX and the individual told me that my house thru XXXX is {$230000.00} and that she was going to talk to her supervisor and get back to me. I still have n't heard anything. I received the BPO fee on my mortgage statement this month and I refuse to pay it until I get a copy of it. I would like restitution since I first requested that the BPO was originally asked. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My HELOC was interest only and became Interest and Principle to be paid in 5 years. I asked Specialized Loan Servicing to do a HAMP2 to make my home affordable on this XXXX mortgage, I have a Hamp on the XXXX. They refused and did a modification lessening the payment by about {$80.00} a month Payment $ XXXX per month. Now I am asking for a modification or short pay buyout and this has been going on since XXXX XXXX, 2015, they keep saying they have not received the documents requested and I have email them many times. Attached are the Documents they requested and said they did not receive. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello ; I received a notification from Enhanced Recovery Company LLC for a delinquent account that is not mine. I am disputing the debt however, I undesrtand that ERC does not respond with nonverification of the debt and pursues to have the the debt posted to on one 's credit line. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Progressive Management System located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX Has reported to the credit agencies that I owe {$480.00} to them due to an original debt of {$410.00} from XXXX XXXX. 
When I contacted XXXX XXXX they informed me that they do not show any such debt in their records. I asked them to contact PMS and clear this misunderstanding. 
After XXXX contacted PMS and cancelled this debt with them, it still shows on my credit report. Upon contacting PMS they told me that XXXX has cancelled the debt, but they still refused to report it to credit reporting agencies to be removed from my file! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX/XXXX/2015 my account was negative {$170.00} and some change. I deposit XXXX at XXXX and transferred XXXX from my saving to my checking because there were XXXX payments pending XXXX for XXXX in amount of XXXX and XXXX XXXX. I had an ending balance of XXXX at XXXX. I pumped gas at XXXX in amount of XXXX. I had a balance of XXXX at XXXX pm. On Monday XXXX XXXX I still had a balance of {$.00}. I have my teller receip and my email receipt that prof that I did have enough money on my account to cover my dish network payment. You have returned my payment and charged me a fee of XXXX dollars because you decided on Monday XXXX to cover my credit card putchace of XXXX for XXXX this payment had already been paid in Wednesday XXXX XXXX. I am so tired of being robbed by you. I am a single mom working my behind off to support my kids. It hurts me that you still from me when ever you want. I called your customer service number requesting an explanation and again I was disrespected By XXXX worrell supervisor of XXXX employee number ( XXXX ). He was so rude to me andkeept lying to me trying to make me believe that I did n't have enough money on my account. He offended me and hung up on me. How can you have people like him as supervisors it is so unethical. I feel so disrespected and humiliated by how I was treated. I need you to please refund me the NSF in amount of XXXX you have charged my account. I will never reach out to the customer service number because I do n't appreciate getting abuse. The bank ca n't keep doin what ever they want with my account its my money and I am certain that their was enough money to cover my XXXX payment. I want an apology for being mistreated and for all the stress I am going through because of WELLS FARGO. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Saturday XXXX XXXX 2015 I received letter from collection agency that I owe {$130.00} to XXXX. I did not received any warnings from XXXX regarding any financial responsibility. 
On the following Monday I called them XXXX times, I spoke with XXXX representatives and manager. I was told that my balance is {$0.00} and I did not hear any apologies. 
On Wednesday I received letter from XXXX stating that my balance is {$0.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX sent me in error to a debt collector XXXX XXXX XXXX for {$140.00} XXXX XXXX, 2015. On XXXX XXXX, 2015 I paid XXXX XXXX {$160.00} which included late charge. I spoke to XXXX on XXXX XXXX, 2015 at XXXX verifying that I paid this bill full. Then received another bill from for the same {$140.00} from another collector MRS Associates for the XXXX XXXX bill XXXX {$140.00} XXXX. I tried several times to call MRS Associates on XXXX XXXX,2015 and XXXX XXXX, 2015. The phone tree takes me to the point of waiting to speak with a representative then disconnects me every time. This very frustrating and seems like a scam. I need some help. thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: When the new debit cards with the chip embedded on them are read on a pin machine with the chip reader, it automatically turns it into a credit card transaction, requiring a signature instead of the pin number, regardless if debit option was chosen. As a customer with Bank of America, my debit card was replaced prematurely from it 's expiration date with this new feature. As an agent for a merchant using the chip reader, I know this means the bank will charge us more for the transaction as a credit card than as the debit. I have discussed this with both my bank, who states the chip is a new requirement and with XXXX XXXX, who handles our merchant services, who states it is the card issuing banks fault. This is another case of banks taking advantage of the client. 

Company response: Company chooses not to provide a public response
Consumer complaint: An item in collections on my credit report from XXXX XXXX had been previously reported on my credit for a long time it was removed at the beginning of this year and has now been added on with an open date of XXXX/XXXX/2015, this is incorrect and this is negatively impacting my credit score that I am working on very hard to get to a good standing. I do not think it 's fair that these collection agency keep removing and adding to my credit report as they please and with different dates. 

Company response: Company chooses not to provide a public response
Consumer complaint: Me and my husband had this Wells Fargo credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have XXXX XXXX XXXX reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to XXXXto resubmit it on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: my money went to an account at the navy federal credit union on XXXX XXXX 2015 without my knowledge from a tax service called XXXX XXXX XXXX my refund was supposed to come by mail but XXXX XXXX XXXX stole the money i contacted their bank to let them know about the fraud on XXXX XXXX they assured me my money was in that account and was awared of the fraudrulant that XXXX service put my check into that account i was corresponding with the bank up until XXXX XXXX 2015 and i went to the brach in XXXX mississippi and sat there and they pull up the account and seen again tht my check was in the account and they told me the aacount was frozen and that they would send the check back to the I.R.S because they could not issue the check to me they also said that XXXX XXXX XXXX could not touch the money the bank had me to go back to the I.R.S to get a form XXXX for the I.R.S to sign i did that and the navy federal fax the letter to their sercurity department i also have a copy of the letter so on XXXX XXXX the IRS sent me and the navy federal bank a letter of trace for the funds the navy federal bank has in that account i called the bank and ask have they recieved the letter they said yes and i ask the bank when will they send the check to the IRS. the bank told me their is no money in the account to send to the IRS i told the bank that is impossible because the money was in the account XXXX XXXX 2015 when i went to the branch in mississippi and when i was told the account was frozen because they was investigating that account they also told me that the IRS took to long to send them what they needed this bank has been rude to me about my money and also its a back and fourth situation with that bank and their security department i talk to my bank about my rights and the precedure of how navy federal credit union should have follow the precedures in handling this probelm they should have sent the check back 7 days prior to me calling on XXXX XXXX 2015 when i made brought it to their attention and they gave me a call today XXXX XXXX 2015 to dicuss the probelm i told the young lady everything that happen and she got back with me and told me she can not dicuss the matter with me anymore she gave me a number to get in touch with the IRS advocate so i ask her for what their bank has my money they wont give it back and i want some anwers because i have documents that they ask me for in the beginning and they had a nerve to say its a civil matter and thats not true because like i said this probelm was going on for almost 3months the IRS said the bank supposed to send them the check back it should not have went this far and also they said that XXXX XXXX XXXX on XXXX XXXX 2015 could not touch my money so where is the XXXX that they promised me i would get bank i need help with this probelm i even talk to the bank manager and he was rude also i want to go all the way to the head command they wont answermy questions anymore 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B. 

Company response: Company chooses not to provide a public response