AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a letter today from XXXX. The letter states that they put a fraud alert on my report. Now I repeatedly have sent them my XXXX license, My Notary License and my Pistol Permit. Also utility bills. Now I am a snowbird. I own a house XXXX and XXXX. I live XXXX from XXXX to XXXX. I am retired and cant take the cold weather. I purchased a car a bed set and XXXX XXXX while here. I also have XXXX cars reg XXXX. I did not ask for an alert to go on my account. They refuse to even talk to me. Excuse me if they kept there records straight and asked the creditors to verify the info they put on a record I would not be writing to you now. They will not give a phone number where you can talk to someone either. I am XXXX pay my bills and sick of trying to straighten this out. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX PRESENTED ME WITH A BILL FOR {$2500.00} THAT WAS NOT RESERVED NOR AGREED BY XXXX TELEPHONE RESERVATIONS. WHEN THE ON SITE EMPLOYEE, PRESENTED THIS FRAUDULENT BILL TO MY ALLY BANK ( WITH INFORMATION ACCT # S, ETC.FROM A PREVIOUS RENTAL WITHOUT MY CARD OR BANK ACCOUNT NUMBER ON THIS RENTAL MY BANK DEBITED MY ACCOUNT WITHOUT MY KNOWLEDGE AND SEIZED MY FEDERAL MONEY. UPON XXXX XXXX, XXXX, XXXX, XXXX, THEY FAILED THEN XXXX PRESENTED FAKE, CREATED, FRAUDULENT BILLS TO ALLY BANK WITHOUT MY PRIOR APPROVAL.ALLY BANK ACCEPTED THESE BILLS AS REAL AND LAST WEEK AFTER RECEIVING MORE FAKE BILLS WITH OUT MY PROOF OF FRAUD ALLEY DEBITED MY DIRECT DEPOSIT SOCIAL SECURITY MONIES, ACCOUNT TO OVERDRAFTS AND WILL AGAIN SEIZE MY SOCIAL SECURITY DIRECT DEPOSIT TONIGHT AFTER PROHIBITING THEM FROM DOING SO. THIS IS MY FEDERAL MONEY AND ALLY HAS BEEN WARNED NOT TO TAKE MY XXXX XXXX MONEY AGAIN. CAN YOU STOP THEM SINCE I CANCELLED MY ACCOUNT WITH THEM? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Good afternoon, In response to CASE NUMBER XXXX - EXPERIAN AND XXXX added MORE DAMAGE reporting a XXXX CHARGE OFF to an account that is already CHARGED OFF. 

I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX XXXX had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX XXXX eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. XXXX recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XX/XX/XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. I DO NOT HAVE A CHARGE OFF IN XX/XX/XXXX OR XX/XX/XXXX. THIS ACCOUNT IS FROM XX/XX/XXXX. CLOSED IN XX/XX/XXXX. YOU CA N'T REPORT ON A CLOSED ACCOUNT. 

Per Experian my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Please help my family stay in our home. I have tried to work out a modification agreement with Hudson City Savings Bank. The loan servicing department does not have any interest in being reasonable. Clearly now that they have been given approval for their merger they no longer care about the homeowners that they are servicing mortgages for. I am sure a bank like XXXX XXXX XXXX does not condone this type of behavior. I have proven without a shadow of doubt that I am back on my feet and able to make a mortgage payment. All I ask is that I be afforded a modification to get out from under the arrearages I have accumulated. I am not trying to run away and I know it is late but it is only now that I can afford this. We paid for on this loan for years, this is not a case of a XXXX payment default or early payment default. I am even suggesting that a mod be put in place that is completely beneficial to the bank. I am asking that you extend this term which will bring you more in interest income. I am sure once your stockholders read this they will be confused as to why you would not want to create income for the bank. We had problems, like many others, in our lives. I have shown my income versus the monthly debt obligations and I am well below the needed DTI or XXXX requirements that Hudson City has in place. Please help me do something here, I can afford the original mortgage payment again but I can not bring all the back due amount to the table right now. I am asking that you place the arrearage on the end as a balloon or even as an extended term. My family lives in this house and I have a sheriff 's sale in a few weeks. I do not have the ability to move everyone somewhere else. How can Hudson City, in good conscience put me and my family out on the street knowing that I can now afford the monthly payment. They intend to make us homeless in time for the holidays. What can we do? Please, we ask that anyone that can, help us!! 

Regards, 

Company response: Company chooses not to provide a public response
Consumer complaint: I was working with a XXXX XXXX to refinance my loan using VA XXXX with Pacific Home Loans. I signed paperwork but in the end I decided that the loan was n't conducive to my needs and asked to cancel it. The XXXX XXXX told me that I would have to pay a {$500.00} fee to cancel. I corrected him and told him by law that I had three ( 3 ) days to cancel the loan and since he did n't provide rescission documents I actually had three ( 3 ) years to rescind. He asked me to send him an email and I told him that I sent a certified letter to cancel. I 've checked and the loan paperwork is still active. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I sent a letter to LenderLive requesting cancellation of my private mortgage insurance under the terms of the Homeowners Protection Act. I have reached my XXXX % LTV. LenderLive 's service rep confirmed on XX/XX/XXXX that they receive the letter on XX/XX/XXXX. They said they had 30-60 days to respond. It is now XX/XX/XXXX, the 60-day window has passed, and LenderLive has not responded to my request. What is my recourse? 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have not received any correspondence from either Experian or XXXX during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: None of the above seem to fit took the best one. I was in the Hospital in XXXX, XXXX, XXXX My Medicare advantage plan has now started charging a per diem charge for hospital stays day 1 - 6. Got a call from XXXX, told them to send me a bill, got my first bill in XXXX. XXXX had denied the orig. claim. total was {$800.00} I paid {$200.00}. XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX, Honor health sent me to collections the same day because I refused to make formal payment arrangements. The collection agency will not take payments said I had to talk to the Hosp. the Hosp will not take payments because they turned it over to collections. I only had 2 payments left and no one can decide where I should send them. The collection agency and Hosp want the full amount. I was told that XXXX XXXX REQUIRES a patient to set up payment arrangements. Can they demand full payment? I figured I 'd have this paid off in less than 6 months actually it would be 4 months so a payment arrangement contract did n't seem necessary. But now no one wants the MONEY. The per diem charge was new in XXXX usually we had a co-pay it came as a great surprise that now we have a per diem. They have me delinquent because the charge was for XXXX/XXXX/XXXX even though I did n't get a bill until XXXX XXXX. Is it true that even if you make your payments you can still be sent to collections? it seems a bit odd that a creditor would rather take 50 % than the entire balance. If they are willing to take 50 % I could do that.. Do n't know what to do now, I had planned to send the Hosp, XXXX on the XXXX of XXXX, but I am being told that the Hosp and Collection agency can not accept the payment. It used to be that if a payment was refused by the creditor the creditor risked having the debt cancelled, has that changed? XXXX citizens have enough problems we do n't need any more. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We sent paper work three or for times, had four closing dates the last one was not canceled til XXXX XXXX when closing was set to happen at XXXX XXXX paper work was not right and the seem to come up with a closing cost that should have been our sellers assist plus the sellers took money of for repairs and some how our closing cost was almost {$7000.00} more then were told or expected which put off us doing some really needed repairs. It took a extra month to close and almost lost the house cause the sellers almost pulled out. It really cause my wife and myself some real stressful moments. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: SUBJECT ; MY FEDERAL SOCIAL SECURITY DIRECT DEPOSIT : AND MONIES DUE BY DIRECT DEPOSIT ON XXXX XXXX TO MY NEW BANK : ALLY BANK ACCOUNT NOW CANCELLED BY ME, AND ALSO ; PROHIBITING ALLY FROM " STEALING MY FEDERAL MONEY, MONEY TOMORROW WHICH ALLY BANK HAS BEEN PROHIBITED BY ME FROM ALLY RECEIVING THAT AUTHORIZATION. AND " STEALING '', FEDERAL MONIES NOT YET SENT TO THEM, AND THEY HAVE ACKNOWLEDGED THAT I CANCELLED THEIR ACCESS, NOR AUTHORITY BY ME TO RESTRICT ALLY AND BY AUTHORITY OF THE XXXX. THE FEDERAL SOCIAL SECURITY XXXX. I HAVE SENT A FORM XXXX ON XXXX XXXX WITH THE FEDERAL FORM SUBMITTED ON XXXX XXXX TO AUTHORIZE ANOTHER BANK TO BE PERMITTED/AUTHORIZED TO RECEIVE/DEPOSIT THESE MONIES. 
ALLY BANK : IN COMPLAINT XXXX CLAIMS THAT A COMPLAINT BY ME ABOUT A CHARGE ON MY ACCOUNT IS STILL IN PROCESS. THEIR LATEST E-MAIL, OF XXXX XXXX ADVISES THAT THIS COMPLANT ON A CHARGE ON MY ACCOUNT IS DECIDED BY THEM IS CORRECT AND FINISHED, AND I AGREE THAT IT IS FINISHED WITH THEM, WHILE I RESEARVE MY LEGAL RIGHT TO PURSUE THIS MATTER IN THE COURTS NOT ALLY BANK, ALLY HAS ASSESSED MY ACCOUNT ON THIS CHARGE. AND FINISHED THIER INVESTIGATION ON XXXX CHARGE. THEREFORE THIS MATTER IS CLOSED. I DO N'T CARE IF THEY KEEP THIS ACCOUNT OPEN DESPITE MY WRITTEN NOTICE OF CANCELLATION, MY COMPLAINT IS REGARDING MY FEDERAL SOCIAL SECURIITY MONIES THAT HAVE NOT YERT BEEN SENT TO ALLY BANK. THIS DIRECT DEPOSIT HAS BEEN RECINDED BY ME TO THEM AND ALL THE NECESSARY AND FEDERAL LEGAL FORMS PROHIBIT ALLY FROM STEALING MY FEDERAL MONIES ON XXXX XXXX. 

PLEASE HELP ME WITH THIS SOCIAL SECURITY MONIES THEY ARE TRYING TO STEAL WITH ADVISING THAT I CAN NOT CLOSE MY ACCOUNT WITH THEM. FORMS 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I never took out a loan for Cash Net Usa and they began taking money out of my account. I never applied for one at Cash Net. Ever. I read the reviews and I can see others have had this happen. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my wife late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My latest statement from Bank of America for a XXXX balance total was {$4500.00}. The due date was XXXX XXXX, 2016. I paid this amount in full on XXXX XXXX, 2016. Then received a new statement stating that I owe {$32.00}. I do not understand, nor do I agree to this practice. It is completely non-transparent to the consumer. When you receive a bill stating total due and you pay that total prior to the due date, that should be it. Done. Instead, credit card companies send you another bill. Why is this allowed? I contacted customer service, spoke with XXXX today, and she said they could credit me {$16.00}, meet me half-way. but I would still need to pay the {$32.00} in XXXX and then on my XXXX statement I would see the {$16.00} credit. I intend to close my account so how will I receive the credit of {$16.00}? It 's stupid. And essentially she said that my credit score is affected if I do n't pay. I paid my bill in full as required via the statement they calculated and presented to me and I did it prior to the due date they provided me Nice. The same thing is happening on my XXXX XXXX credit card account. XXXX? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a secured credit card with XXXX XXXX with a credit line of {$200.00}, that was secured by a savings account. After a few years, I was issued an unsecured XXXX XXXX XXXX credit card with a {$500.00} credit line. Since I received the unsecured card, I did n't think it was necessary to still have the secured account, so I requested that the account be closed by XXXX XXXX. Soon after I requested the account to be closed, my credit score dropped dramatically, which is negatively impacting me with trying to obtain a mortgage loan. Why would a consumer who is wanting to eliminate unnecessary debt be penalized. The account was always paid on time, the account was paid off in full and yet the credit bureaus pinged my credit. Does n't seem fair at all. Any assistance you can provide will be greatly appreciated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A dispute with XXXX XXXX XXXX was made regarding derogatory information reported. 
CFPF File Number XXXX resulted in XXXX issuing a letter dated XXXX XXXX, 2016 wherein they stated that XXXX removed the trade line from all credit report effective XXXX XXXX, 2016. 

The derogatory information is still being reflected by TransUnion. I visited the US Office of Personnel Management account I have and found that as of XXXX XXXX, 2016 the derogatory information is still reported by TransUnion. This is negatively impacting the mortgage rates I am currently being quoted. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a credit card with XXXX XXXX back in XXXX and I lost my job so I was unable to pay the debt. In XXXX I received a garnishment from Frank & Kramer for {$1400.00} that I paid in XXXX for {$1800.00}. I never received a summons to go to court on this, but I paid the bill because I knew that owed XXXX XXXX {$500.00}. I received a garnishment in the mail today XXXX/XXXX/XXXX for {$1200.00}. I called Frank & Kramer and they claim that owed an additional {$1300.00} in post judgment interest and told me that this payment has to be paid and that I don/t have a choice in the matter. I should not have to pay {$2500.00} in interest to a debt collector on claim that is past the statue of limitations and that I have already paid. How can I be sued for a claim that I never received anything from the court tot appear on this claim. Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed the charged off status of XXXX accounts that Experian shows as being charged off in the current month. I have sent in requests for investigation as well as provided them proof that in no conceivable way could the status of these XXXX accounts be charged off in the current months. 

Experian has consistently failed to investigate properly and each subsequent time has come back and updated the reporting to report the current month in which I disputed it as being the month the accounts are charged off. 

There is inaccurate payment history with these XXXX accounts that Experian fails to investigate or yield correct information. I have provided them proof on XXXX separate occasions that have yielded incorrect reporting again and again. 

Attached is a copy of the XXXX XXXX credit card account that display the inaccurate information. It is not possible for me to have a charged off payment status under these XXXX accounts since there is no balance due and the accounts have been paid and closed. Experian is knowingly reporting inaccurate information as I have previously provided them with evidence that these accounts are reporting inaccurately. 


The accounts are the following : XXXX XXXX which has inaccurate monthly reporting and other data issues. 
XXXX XXXX which also has inaccurate monthly reporting and other data issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Had XXXX deposited into my account at usaa federal savings the money never posted to be used by us. The money was misappropriated ..so we turned to fdic and after talking with XXXX at fdic she worked out a agreement with usaa for us to be paid back at a interest rate of 40 % for every 2 weeks they held our money. And after atleast XXXX requests from XXXX for a copy we can not even get a return phone call from her ..we have recorded phone calls of her stating she was sending it, our complaint is for XXXX to provide a copy of the agreement or our money to be paid back at the agreed upon interest rate 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2016 my tax preparer XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX Bank. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I went though a modification but the bank did't bring down the amount down enough we thought it would be a lot lower than it is originally it was at XXXX then went down to XXXX that really is not enough need to drop a lot more like XXXX the bank is not very easy to work with thanks 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Recorded message caller stating " This is a call from the law offices of Maury Cobb regarding a debt collection. Please call XXXX ''. When I call this number, there is a recording stating " the associate at XXXX is unavailable ''. Caller ID shows XXXX I do not have any outstanding debts to anyone and my credit is perfect and has always been perfect. It is a scam trying to make me think that I have a debt owed to someone. I have never been able to speak to a person at the phone number above. It 's only a recording each time. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This is my formal complaint concerning the XXXX major credit bureaus validation methods. My name XXXX XXXX XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a zero balance. 
I contacted the XXXX major Credit bureaus, XXXX, Experian, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone? 

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