AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian is reporting a closed collection account on my credit file from XXXX, a collection agency from XXXX, NY, in the amount of {$1100.00} that should have been removed months ago. In XXXX of 2015, due to questionable delivery and notification of the debt and subsequent suit XXXX agreed to close the account and remove it from all XXXX of credit files. To date Experian has failed to remove the trade line. I have discussed this matter on several occasions with XXXX and they assure me that the trade line was coded for deletion and sent. They further say that the error is the fault of Experian. Experian is also making it difficult to dispute this item with them and have taken unreasonable steps to make my dispute even harder than it should be. Unlike the other big reporting agencies they denied my right to dispute the trade line by going on-line or faxing supporting documentation. They required a phone call, which I attempted to make at least a half dozen times only to be stonewalled by complicated phone menus and hold times in excess of twenty minutes. This is definitely an attempt to break the spirit of the federal collection dispute laws. This is unreasonable of them ; XXXX allow on-line or faxed disputes. 

Company response: Company chooses not to provide a public response
Consumer complaint: Four years ago Wells Fargo Bank charged off a credit line that I had with them. A year ago they filed a XXXX with IRS declaring that they had Canceled or Discharged my debt. Consequently, I included the discharged amount in my income and paid taxes on the Discharged amount. Now, I find that despite the Discharge, Wells Fargo is still reporting the entire canceled/discharged amount to credit bureaus as Past Due and still owing. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. 
I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was lost. When it was sold from XXXX institution to another. Trying for 3 years to get answers no one will talk to me. Now my house is going in foreclosure because of all the mix up from the past 2 years. They must have found my loan docs or maybe not. They have never reported me delinquent for missing any payments? It does n't make sense. Now I 'm to far behind to save my home? XXXX has Statebridge Mortgage servicing my loan currently. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called Bank of America on XXXX XXXX to question a transaction previously reported as unauthorized. Stop payment was placed against merchant at conclusion of call. Several days after phone call, Bank of America deactivated my debit card and reset my debit card PIN. This was not discussed or planned based on the phone call on XXXX XXXX. Once I realized my debit card had been canceled, I contacted Bank of America by telephone. They apologized for the confusion and I requested rush shipping of the replacement card. The representative agreed and placed notes on the request to waive the rush replacement fee. As of the time of this filing, the replacement fee of XXXX USD was charged to my account and calling in this morning of XXXX XXXX resulted in the representative being unwilling to review the notes and waive the fee. He obviously was n't comprehending what I was telling him. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was approved for a loan Modification XXXX XXXX XXXX, with request fo for XXXX trial payments of XXXX which posted XXXX, XXXX/XXXX/XXXX with in the grace period. I have not received my loan medication papers or phone call from my relationship manager after I left XXXX messages to her extension. Customer service is poor. I received XXXX demand letters from US Bank dated XXXX, XXXX, XXXX, XXXX XXXX demanding payment and stating foreclosure may start and loan will be accelerated by XXXX/XXXX/XXXX Mini Miranda statement does not appear on the letters in violation of FDCPA agreement. Each time I call it is stated bu but not the letters indicating breach of mortgage. I have dealt with US bank since XXXX/XXXX/XXXX all payments are as agreed The loan modification was Home modification program XXXX XXXX. My credit scores have dropped, My XXXX beacon was XXXX, now XXXX XXXX, and XXXX XXXX. US bank refused to indicate that my loan modification was approved for a lower payment and note that on the credit file. We experienced doctor bills, I have XXXX doctors and my wife has XXXX. 
All paper work XXXX pages were faxed on a timely basis during the review. Customer service is poor and return calls from my relationship manager indicates she has many files to work. I paid my shortage escrow at the branch they sent the check to Minnesota and was lost, I issued a second check in XXXX and they refused to reimburse my {$33.00} stop payment fee It was their fault. During the review my payments could not be posted live and had to be sent to XXXX, late charges were charged and I had to call to have those waived. When I called was treated as a delinquent debtor and this was upsetting. I value my credit but do not like to be marked as a person in loan mitigation as I was proactive in resolving my mortgage loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I advised Penn Credit Corporation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XXXX XXXX I do not owe any debts. I also advised them I am on the do not call list. They promptly ignore me and challenged me to report them to the FTC/CFPB. They say that my reporting on them will accomplish nothing and they will continue to call my XXXX numbers. XXXX and XXXX. They are now using spoofed numbers with a XXXX area code in addition to the XXXX XXXX numbers they harass you with. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian reports my Revolving Credit Limit as {$110000.00}. 
Adding up the open credit cards ( XXXX ) they list in the same report, comes to {$44000.00}. 
They are unresponsive, uncooperative and abusive. 
I 'd like to get this apparent error either corrected or the provenance of the number explained but Experian is rude, unprofessional, and exasperating. 
PS, do n't fall for the 'it must be the real estate loans ' because they are reported accurately and no mathematically correct way exists to get the numbers reported to match up. 
PPS, the 'upload ' dispute system does n't work and, after going through all the hassle, you get a message that tells you to send in your complaint by snail mail. Even that would be OK if it worked. 
I anticipate that Experian will deny all, that, in my opinion, appears to be their MO. 
Please publish this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing about a HELOC loan I established with XXXX in XX/XX/XXXX, which was later transferred to Specialized Loan Services ( SLS ). The loan had a maximum draw of $ XXXX with interest only payment for the 10-year draw period, which was to be followed by a 5-year principle/interest payment period. 

My trouble with SLS seemed to start in XX/XX/XXXX, the year I filed Chapter XXXX bankruptcy. At that time my HELOC balance was about {$51000.00}, I was current with all HELOC payments, and was still in the interest-only payment schedule of that loan. I believe SLS is engaged in unfair and deceptive loan practices with respect to fees and would like your help in bringing transparency this situation. 

Specifically, I have been hit with numerous fees on this loan that have not been adequately explained. I have contacted SLS on numerous occasions by phone and in writing ( attch XXXX ) to get clarification. Their response ( attchs XXXX and XXXX ) did not explain the basis of these charges. I have also attached a detailed account summary ( attchs XXXX and XXXX ). 

I have been charged the following fees in XX/XX/XXXX/XX/XX/XXXX but do not know what they are for or if they are consistent with industry practices Date Amount Code* XXXX/XXXX/XXXX {$300.00} XXXX XXXX/XXXX/XXXX {$350.00} XXXX XXXX/XXXX/XXXX {$110.00} XXXX XXXX/XXXX/XXXX {$65.00} XXXX XXXX/XXXX/XXXX {$270.00} XXXX Code listing is at attch XXXX Additionally, I have been charged {$330.00} monthly since XX/XX/XXXX. 

My attempts to find out if these are legitimate charges have been unsuccessful and even rebuffed by SLS. I would appreciate it if you could help me in this matter. Additionally, I would like the name and contact information for a knowledgeable person at SLS who can address and future questions. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called CitiGroup today to see about getting a lower APR on my Sears credit card. Was told that they could not lower the APR from the current 25.49 %. 

Company response: Company chooses not to provide a public response
Consumer complaint: For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Transunion and XXXX that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all XXXX not complying. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a US Bank credit card account that had been open since XXXX. It was a card we seldom used and kept it for a back up card and the tenure to improve our credit score. Sometime around XXXX XXXX the annual fee became due. We did not receive a billing notice and was unaware it was due. US Bank maintains we were notified. Around XXXX XXXX I did receive an e-mail with the notification about the past due amount. I called the number to clear it up and was told the account was up to approximately {$120.00} after US Bank added late charges for three months. Thinking this was just a misunderstanding I offered to pay the annual fee plus XXXX late charge. They told me the account had been closed and could not be re-opened. At this point I refused to pay for a closed account and a fee I did n't know about. The representative put me on hold to discuss with a supervisor and returned to report that the fees had been reversed and I no longer owed the amount. In XXXX XXXX we refinanced our mortgage. In the process of that we were informed about an entry for non-payment on our credit record. We had been reported for non-payment by US Bank for an annual fee we knew nothing about until it was too late. Fortunately, this was the only adverse record on our credit report because we have always paid everything in full and on time ( or ahead ). It caused our score to dip about XXXX % so we had a good score rather than excellent. We have sent two letters to US Bank to ask them to reconsider, what we feel, is a completely wrong way of doing business. Their responses have been to rely on the true fact that we did n't pay the account. First, we would have paid it had we known about it. We would have liked to keep the account. We have paid the annual fee every year since XXXX. Second, US Bank 's cardholder agreements say that the account fee is to maintain and service the account for the following year. If the annual fee does n't get paid it should follow that US Bank does n't have to keep the account open to service it. Therefore, an annual fee is in a different class of charges from an actual purchase. Non-payment of an annual fee should not have the severe consequence of an adverse credit report. Third, as a corollary to the last point, if a customer does n't pay the annual fee it may be that they no longer want a seldom used account with a zero balance. We would like them to remove their adverse entry in our credit record. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made an attempt to settle a debt. I was happy to pay, and thought I had even already paid it, but the three women I spoke to were extremely rude to me and were not communicating with me in a manner in which I felt my money would actually settle a debt. To me, their attitude was not worth {$120.00} that I supposedly owe. I was horrified by their lack of professionalism. They had no interest in working with me to settle the debt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX I went to XXXX XXXX XXXX to purchase a car. I signed the release form to access my credit. At the dealership I received a call for an interview about my financial situation, then another interview about the fraud alert on my credit report. My credit report was to be cleaned up due to the previous complaints of inconsistent information on my credit report. I could not complete the interview because I could not remember a telephone number on the credit report. I recently circled that number on the report and told them it was not a valid number for me. Obviously, the number was not removed and caused me a problem, I had to drive back to XXXX and call the interviewer from my house phone. Completed the interview, called the dealership told The salesman I completed the interview, he said '' I will tell my boss and I will call you ''. I have n't heard back from them. It 's very clear Experian is using discriminatory practices when it comes to my name and insist on keeping me at the lowest rung of the economic ladder. I want it stopped and I want to be compensated for the continued discriminatory practices being used a against me. Any consideration given this email would be greatly appreciated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had XXXX collections show up on my experian report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent Experian a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from experian yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has XXXX sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that XXXX got my validation letter. A copy of that validation letter. A copy of the letter that was sent to experian and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They are n't doing what the government says lenders should do to provide foreclosure alternatives to help homeowners in foreclosu.re 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received my credit card statement, from Continental Finance on XXXX/XXXX/15 and noticed there was a late fee of {$35.00} applied to my account. I spoke to XXXX and I explained how there was a delay with my bank sending the payment. XXXX, the supervisor, waived the late fee for XX/XX/XXXX. My XX/XX/XXXX statement, shows another late fee of {$35.00}. I asked XXXX why there was another late fee, and she said because I did not pay the {$75.00} for XX/XX/XXXX. I told her, I paid the {$35.00} and the other {$35.00} was from the XX/XX/XXXX late fee that was waived. So they billed me a late fee, on top of a late fee that was waived. The XX/XX/XXXX bill, was paid on XXXX/XXXX/15, in the amount of {$35.00}. I sent in a dispute, explaining the issue, and received a letter back, stating the charges were correct, which they are not. Now, I get my XX/XX/XXXX bill, and it has another late fee of {$35.00} on top of the erroneous late fee for XX/XX/XXXX After the XX/XX/XXXX payment, I paid the XX/XX/XXXX payment on XX/XX/XXXX, and the XX/XX/XXXX payment was paid on XX/XX/XXXX. Continental Finance keeps charging me a late fee from the late fee for XXXX, in which I clearly do not owe. Please review the attached correspondence and supporting documentation and it is evident that I do not owe these XXXX late fees of {$35.00} for XX/XX/XXXX and XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: They are unavailable. I emailed them twice at their online email address and both emails got bounced back to me. I was hold with them for an hour and 50 minutes between XXXX XXXX and XXXX : XXXX on XXXX/XXXX/2016. I have already paid the bill in full that they are tyring to collect and I was just trying to let them know that. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This company has never submitted any definite proof that this debt was mine and have had plenty of time to do so. They need to remove all their information from my credit report. My information has been stolen so nothing less than a signed contract will be accepted. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX - On XX/XX/2016, I made an online payment of {$2900.00} to pay my account off. CreditShop 's web site did not show a pending payment and still shows a balance on XX/XX/2016 so I scheduled another {$2900.00} payment. However, went I left the web page and went back in, there was still no schduled payment. I called CreditShop and they confirmed that they were having problems with their online bill pay system. I offered my debit card to make the {$2900.00} payment, they refused as they can only use the bank routing and account number, which I did not have on me. On XX/XX/2016, I called to make the {$2900.00} payment and I was advised that the shows the payment of {$2900.00} pending and that it would be taken that night and the account paid in full. On XX/XX/2016, I called again as there was still a balance and the payment had not posted. Once again I was told that the payment would be posetd that night and account paid off. 

As of today, XX/XX/2016 the accoutn is still not paid off and the {$2900.00} from XX/XX/2016 has still not be applied to my account. My min payment is due on XX/XX/2016. 

Company response: Company believes the complaint is the result of a misunderstanding