AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX several occasion I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting XXXX XXXX XXXX credit cards, XXXX XXXX XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Experian fail to provide me with require information that these allege debt are XXXX percent accurate, Experian still reports these negative information on my credit report. On XXXX/XXXX/15 I tried to dispute the XXXX XXXX XXXX credit accounts on my credit report with Experian, and Experian said that I could not dispute the items because they are paid. So if the items are paid why are they being reported as deragatory or negative item and why I am not allow to dispute these items. I was also told I could not dispute the bankruptcy that is listed on my credit report as a negative item. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Experian is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. XXXX is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have XXXX percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: CAN NOT GET A COPY OR INTO REPORT ONLINE, WHILE I HAVE BEEN AWAY ATXXXX XXXX XXXX XXXX I THINK MY PARENTS ARE USING MY SOCIAL SECURITY NUMBER, INCLUDING A ELECTRIC BILL THAT I JUST GOT 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account with XXXX XXXX and use their Bill Pay service. I erroneously mistypee a payment to my XXXX account instead of my Mortgage account. I called XXXX upon discovering the error and they called their bank ( Union Bank ) to refuse th epayment and trigger a refund. The sum was for {$40000.00} ( inteded for a mortgage baloon payment ). THe payment was on XXXX/XXXX/2015. I created an incident from my bank and was promised immediate refund and still have not seen the payment. I am concerned by the callousness of the bank and would like to report this as a fraud upon consumers. The call I placed was in bureaucratise declined because it was the business of the operations department. 
This references the payment from XXXX XXXX : XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX Our research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX XXXX research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015The payment is with XXXX ( by Union Bank XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted a mortgage broker XXXX XXXX XXXX # XXXX at Cornerstone home lending in XXXX WA about setting up an appointment for going over the different types of loans that are available so that i could make the determination whether i wanted to buy a house or build a house USDA vs conventional or FHA. That 's when XXXX XXXX replied saying that it would be no problem, so we set up an appointment for XXXX/XXXX/15. He added that we needed to fill out an " online questioner '' which was on his web page under prequalify for a loan. Within minutes, I was notified by a credit reporting agency that he pull a hard credit report. I contacted XXXX and asked him why he did a credit check without asking me and he stated that I asked him to run a credit check and told me congratulations that I was prequalified for the home loan. I never asked XXXX to do a credit check. All I wanted was a consultation to find what type of loan would work the best for me, which was originally stated in the the first email. I originally meet XXXX at low income FHA seminar that was hosted by XXXX So now I 'm concerned that if I want to refinance in the near future that this could effect my interest rates. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX i went to DriveTime to purchase a vehicle. I met with the customer service rep and manager who was very friendly and welcoming. I sought interest on a XXXX XXXX Journey and test drive the vehicle and everything was smooth. I requested for a car fax and the representative stated that the vehicle was in perfect condition and had no ; repossessions, accidents, and rebuilds. The only thing was the vehicle having a high mileage. The manager read the contract and i signed off on it, made the agreement. Plus i was missing a hard key replacement of my key in which they promised to provide through a locksmith and never followed through. 

During the XXXX week i began having issues starting the vehicle and decided to take the vehicle to the dealer. The manager and representatives advised me through minor inspections that there was n't any issues and if it was an ongoing issue to contact XXXX. So i decided to contact them and had the vehicle taken to XXXX. There i met with the manager and he conducted a full vehicle inspection, where he found many pr-existing issues which was a major safety risk. The XXXX line was leaking fluid, no brakes, bad battery and bad starter. XXXX approved to fix the issues concerning the vehicle and was told that was the solution to the problem. We shook hands and was told to come back if there 's arising issues. 

A week later after coming from XXXX the same issue occurred and i notified XXXX XXXX XXXX about the issue. They advised me to respond back to the shop to conduct further inspections, in which again they could n't find anything. So i was told to come back if the issue reoccurs, in which the day after it happened again. The manager even conducted and full inspections in which turns to find out that my shift handle was damaged, in what appeared to be a repossession damage. The shift handle was broken and glued back together in which caused shifting damage. I was told to schedule a day to have this issue addressed, but my transmission blew out in result of the shifting issue. I had to contact a tow truck through my insurance company to have it towed to my house, later on had to pay another tow truck to get my vehicle towed to a repair facility. The mechanic advised that i had to pay a deductible for the transmission replacement through warranty. 

Its only been 3 months since Ive had this vehicle for me to have transmission and shifting issues. I felt I 've been cheated out of my money and was a sold a vehicle that was n't worth what i am paying. I would never recommend someone to purchase a vehicle through DriveTime, horrible pricing and unfair quality of service. Note : Theyre very eager to pressure to purchase a vehicle without giving full information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered an electric fireplace from Ginny '' s credit card. The product was defective and was retreturned and I requested my account to be refunded for payments made and credited for the defective product. 
I telephoned Ginny '' s credit department and was told that they will not refund they {$75.00} payments that were paid in XXXX XXXX, 2015 and they will hold they XXXX that I paid in XXXX for XXXX says. 
This appears to be predatory practices and theft by taking, as I have returned all products that belong to Ginny '' s due to manufacture defect, but they refuse to return my money. 
I am XXXX and XXXX and need help with this issue because Ginny '' s transferred me to there different people in different departments, all to no avail. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: When my loan was originated it included an escrow for XXXX items : 1. property taxes ; 2. Homeowner's/Hazard Insurance ; and 3. a private water and sewer fee. The loan has been assigned to Suntrust Mortgage and they claim that they are not setup to pay the private water and sewer fee. Customer Service hands me off to the tax department, the tax department says I need to talk to the customer service department. I have sent them a copy of the bill, they have a copy of the HUD-1, they can not give me a time frame for their response. The bill is due by XXXX/XXXX/2016. They refuse to give me a time frame to have this reviewed and resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom this may concern, my name is XXXX XXXX XXXX and i have recently been a victim of funds stolen from my Bank Of America account via several ATM withdrawals as well as thousands of dollars worth of purchases of online merchandise. As soon as i became aware of suspicious activity i immediately notified Bank Of America. i was instructed to file a police report which i did. upon my own investigating i even went as far as identifying the alleged culprits. as far as revealing the culprits as my own daughter and closest friend. as i was told by a bank of america agent, if i were to file a police report with full and utter intent to prosecute, then my funds would be replaced into my account. well i have done everything that i am supposed to do to my understanding and i currently have multiple theft claims with BOA that have all been denied and the reason that BOA continuously gives me is that they have come to the determination that they feel that due to the fact that a small portion of the stolen funds were via ATM withdrawal that a fraudulent claim is highly unlikely. ok. that is understandable but it seems that the bank is choosing to focus solely on the UNAUTHORIZED ATM withdrawals and seemingly ignoring the majority of the theft which are thousands of dollars worth of unauthorized purchases byalleged culprits which i can and will name as XXXX XXXX XXXX as well as my own blood daughter XXXX. i have followed proper protocol pertaining to Bank Of Americas instructions and still after all of my complete and utter compliance Bank Of America has still yet to replace my stolen funds. I am reaching out to you for help. I am completely willing to do whatever i have to do to have my funds reinstated. i have mor than taken the first steps by identifying the criminals and have filed a report with the authorities. please contact me with some sort of information. because all i want is to have someone to hear my case and replace my stolen funds. Bank Of America is of no help. all i want is justice. please someone contact me. i honestly feel as though i am being underestimated because i am sufferer of mental illness. i am reaching out to you for help. I have copies of my police report. against my own daughter and my dearest friend. both of whom mutually conspired to steal funds from my account. i have had approximately XXXX unwillingly stolen from my account and all i am asking is for assistance in having those moneys replaced. i am a victim and am willing to do whatever need be done to have my stolen funds justifiably replaced. please please, i dont know where else to turn. please contact me as soon as possible at phone number XXXX XXXX XXXX email XXXXXXXXXXXX home address XXXX XXXX XXXX XXXX va XXXX please get back to me if for nothing else then for enlightenment. as i said before i will legally comply in anyway necessary so that either justice can be served and or i can obtain closure. i highly anticipate your call. please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Reference case # XXXXXXXXBank of America 's reply. On the document they attached to my previous complain it states on page XXXX, under instructions and notice to debtor ( item XXXX ) " The law requires you take certain steps to make sure the decision is in your best interest. IF THESE STEPS ARE NOT COMPLETED, THE REAFFIRMATION AGREEMENT IS NOT EFFECTIVE, EVEN THOUGH YOU HAVE SIGNED IT. ) Step XXXX. If you were represented by an attorney during negotiation of your reaffirmation agreement, you must have signed the certification in Part XXXX - This was never completed by my attorney, Bank of America never had a representative during the meeting with the Judge at that time, nor did First Franklin. That 's why several of the steps were not completed and when they submitted the Foreclosure of the property they stated they were trying to get the note signed again. 

I had my attorney present at that time representing me and was when she presented me with the reaffirmation documents she had me signed them but she never completed them, as you can see no where in any of the documents Bank of America submitted has or had my attorney 's signature or any representative from the court. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see related CFPB complaints Case number : XXXX ( also attached ) I have received XXXX different verbal answers by USAA reps via recorded line, and now XXXX different decision letters from USAA bank all within the same week. 

This recent letter seems rather vague and ambiguous. I fear there may be some issues here incuding, but not limited to Truth in Lending Act. 

Furthermore my original complaint was based upon double inquires on my equifax credit report by USAA and the way that I was lied to by USAA stating that it would not affect my credit as long as they were running my credit within a 48 hour window of the first app. Not the case, credit has been lowered because of this too. 

There is something very wrong going on here with USAA. 

cc : XXXX XXXX XXXX XXXX. Consumer Protection Attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Per the previous response to the CFPB, Experian agreed to remove all unverifible names from my credit report, to include any item not subject to correct information. In order to continue supporting corporate injustice, they have still refused to remove unauthorized names. Experian operates a service that verifies names and social security numbers, and after certified letters, and complaints through the CFPB, they have refused to remove the unverifiable name. In the operating of that for sale product, they are within the capacity to correct this information. No creditor, or lender or any other entity has the ability to create a name that is n't verifiable through name, social security number verification. My complaint is that in their response they agreed to remove the name that is n't verifiable to my social security number, but to allow unauthorized entries on my report, to include a lot of unauthorized inquiries, they have failed to do this. This practice is common, experian which i can prove, stated that they verified XXXX individual items with the creditors and refuse to remove, until i as a consumer threaten the lenders directly and they all were removed. The game around the statue, is when the consumer disputes online, they refuse to investigage after one dispute, but if the consumer writes they state that they do, but actually do n't. Experian dispute process is outside of the united states, and therefore ca n't be truly a dispute process. 

Experian XXXX XXXXName : XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso Known As : XXXX-This is the name not verifiable with social security number, deliberately by the social security administration. 
- XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted my finance company on XXXX XXXX, 2015 made a payment for my XXXX payment and asked if I could have my XXXX payment deferred due to financial hardship. I was advised by a representative to fax a letter in writing to the deferment department explanning why i am requesting a deferment. The represenattive advised that I fax it in ASAP because i was in the first half of my grace period. I faxed the deferment XX/XX/2015 to the deferment department and have a fax comfirmation the fax was successful. I called two days later like i was advised to be told my deferment had been received and being reviewed. Two days later I receive a call requesting for me to make a payment and I advised i had submitted a deferment. The representative stated no deferment was received and aggresively requested payment. I advised him I spoke with someone in the office two days prior and was told it was in the system. He asked me to hold came back on the line stated he did see the deferment apologized and disconnected. I had n't heard anything so i assumed the deferment had been approved until I received a call tuesday XXXX XXXX, 2015 demanding payment. I advised of the deferment and was stated once again deferment was not received and in order for them to process the deferment i needed to pay a {$150.00} fee to process the deferment. I was never told their was a fee to process the deferment and it defets the purpose of a deferment. I have not been treated fairly from this company and have had many problems. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit report still showing an auto loan which was pay XXXX/XXXX/2010 to SunTrust bank. How long take to clear that account from my credit report. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I settled this debt with an agency representing XXXX roughly 2 years ago for exactly XXXX dollars. Now XXXX apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have tried to fill out their online form with my correct name address employer etc but when they ask me questions about personal details they do n't recognize me because their info is so XXXX. They want me to pay for my credit report or subscribe to some tracking thing when it has been over a year and they should just send it to me. There is no point of phone contact with a human just a run around of phone trees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had recently applied for a mortgage loan and was denied. I was troubled by the results because I had recently hired XXXX XXXX to help me in repairing my credit score. After getting denied I asked to view my credit report. So online I viewed it and noticed some disturbing information. Experian has had a lot of errors that has affected my credit for a long time. 
In the personal summary, the XXXX main problems are as follows : The social security number is completely wrong. As well as the names listed. However, I do know the person that is listed on my report. It clearly states that the name on it is XXXX XXXX who indeed is my son and it is also his SSN on my report. 
Which means they are looking at his history and not minds. Also I wondered why was my application for numerous things always being denied and yet it never hit me til now. Because I know my credit should n't be at a poor status even the other credit monitoring companies have a differential in score. 

Company response: Company chooses not to provide a public response