AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have requested for Experian to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info. And they keep allowing the same company to post fraudulent inaccurate accounts to my credit report. This company keep changing account numbers and are an illegal operation. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a XXXX XXXX card through XXXX XXXX. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my XXXX XXXX payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised XXXX XXXX of the bank issue. I disputed this with XXXX XXXX and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter XXXX XXXX would have cleared up the matter, but I just pulled my report and it is still on there. When I called XXXX XXXX they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly. I do n't have documents available to me, because I am in the XXXX and my paperwork is in the XXXX. I will be visiting in the next few months and can get the docs out of storage if needed. 

Company response: Company chooses not to provide a public response
Consumer complaint: We signed online to Bank of America billpay to have them send a check to our kids college apartment for XX/XX/XXXX payment. Bank of America cut the check, withdrew the funds from our account, and used a 3rd party consolidator to deliver the check. The 3rd party consolidator put multiple banks checks into XXXX envelope to deliver to the college apartment. That envelope was taken fraudulantly and our check was signed and cashed fraudulantly. The Apartment did not receive XX/XX/XXXX payment and Bank of America will not return the funds to our account. Instead they are asking the Apartment complex to fill out a form for a federal investigation, meanwhile the Apartment has no rent check from us and we have no money in our account to repay. I understand it is a state law in NC for the bank to resolve by returning our funds while they investigate what happened, however Bank of America refuses to do this. The other XXXX banks who had checks stolen in the same envelope already returned funds to their bank account holders, but Bank of America will not. The apartment is in XXXX NC and our bank account with Bank of America is in NC. Please advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call from US Bank numbers ( XXXX ), ( XXXX ) and ( XXXX ). I was told I qualified for a $ XXXX loan. They proceeded to pay off my XXXX XXXX credit card of {$1200.00} and they claimed it would bring my credit rating up. In turn I was told to then wire transfer XXXX from my credit card and in turn they would deposit the XXXX. That never happened. They soon cancelled the CC payment made to my XXXX XXXX. Today I telephone and was told to pay an extra XXXX. I am now submitting my complaint as I was scammed. 
The following individuals keep calling me from US Bank. 
XXXX XXXX and XXXX XXXX. All XXXX sounding voices and doubt that is their real names. 
XXXX, NY XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit Systems, L.P. issued XXXX separate collections accounts for the same {$190.00} dollar debt from XXXX, and both these accounts, despite representing the same collection, appear on my credit report. This money was not owed originally, as I have the receipt to prove I sent in my modem etc. I was not contacted to dispute the debt and show my proof of not owing the money. I contacted Southwest Credit Systems directly via certified postal mail to ask for verification of debt and to clear up the XXXX accounts that they have listed on my report. It has been 30 days and I have not received this information from them nor has the duplicate collection been removed from XXXX or XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received a teller check from a credit union and deposited into my checking account inside the main branch of USAA in XXXX XXXX, Texas. The teller took the check and completed the deposit and said nothing about a hold on the deposit. On the deposit slip it shows my account balance and the amount of the deposit. It does not mention a hold on the funds. I then left the bank and checked my funds on USAA app and it showed the amount deposited was available. The amount was XXXX and my balance on the app reflected that amount. Two business days later I went back to the main branch of USAA and just before entering the bank I double checked my balance on the app and noticed that there was now a XXXX hold on my account. I went inside and went straight to the teller hoping there was a mistake on my account but when I tried to purchase a cashier 's check the teller confirmed that my checking account indeed was on hold for XXXX. I asked if I can discuss this matter with management and she directed me to an enclosed booth where there was a computer and a telephone and was told to dial zero and ask for a manager in the deposit department. I did so and held for about 2 minutes and a representative answer the phone and asked what he could help me with. I explained the situation and asked if there was anything that could be done to release my funds. The answer was no and that it was unclear on when the funds would be made available. I asked to speak with a manager so he transferred the call and I was placed on hold for about 5 minutes. Long story short the same answer was given by a manager " no '' and adding insult to injury she stated that my creditability with them was in question because of a previous over draft in the last 6 months. I left very upset and frustrated with the entire situation. I also called one more time the following business day and the exact same answer. No ... Please consider this fact. This was a preprinted teller check from a credit union and that when purchased originally by the payee was told that it 's the same as a cashier 's check. Now I have to wait 10 business days. Why? Why could n't USAA physically pick up the phone and verify funds or tell me from the beginning there was going to be a 10 day hold. I would have cashed the check elsewhere and been able accomplish what I needed to. Now I 'm on hold and it put me behind on what I needed to take care of. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i have " bill '' for a stay in jail a noncontractual {$390.00} that due process not done by goverment agency is reported to transunion as a nonpayment of a contractual debt ( collections ). this item was removed XXXX of XXXX and was returned XXXX XXXX. this " bill '' is uncollectable as to Michigan Court ruling reguarding exempting Social Security Benafits from state court juristiction because of this the " creditor '' is using collection agency to black mail me into paying a debt they are not entiled to. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit score on XXXX XXXX bill went down considerably.Contacted XXXX XXXX, They told me to speak with Transunion, I called them to find out why my score went down.They refused to provide me with the information of why the credit score went down, even after I demanded it! I asked for a manager, they then put me on eternal hold.I then contacted The Consumer Financial Protection Bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX group leaving messages at my home and work stating that if I did not call them back to set up time for them to serve me papers that they would pursue a legal action against me. They even threatened to visit my place of employment. This is on a credit card debt from 2008. After paying {$380.00} to XXXX XXXX I received paperwork from another debt collection agency XXXX XXXX XXXX attempting to collect on the same debt. I believe I was scammed by XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was called about an amount of {$260.00} that I owed to the bank XXXX XXXX from this number ( XXXX ) XXXX I made payment of the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX I was expected and told to get up paper received in the confirmation of my payment for this account I never have gotten it 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I went to deposit a check in my Bank of America account from a relative. I was desperate with a sudden eviction after my apartment went condo so a relative helped me financially. After depositing it, their check was returned due to unpaid funds and I was charged a " Returned Item Chargeback Fee '' for {$12.00}. This is a ridiculously unjust fee- how was I to know that the check I was depositing would bounce? Why am I penalized for this? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX is flagrantly violating federal and state consumer protection laws. I have been paying {$250.00} per month for more than a year to XXXX through their abusive debt collector that they hired to collect on their debt Financial Asset Management Systems. XXXX has illegally manipulated their reporting of the debt to XXXX by not identifying the repayment plan that I have participated in for the past year at {$250.00} per month, and a 0.01 % interest. XXXX has modified their reporting to XXXX for my account t to make it appear like I have n't been paying for the past year as they had stated in writing they would. In addition, XXXX is now reporting the accounts as in collections on my credit report which they had n't done before and was in retaliation to the complaints I have filed against them and their debt collector Financial Asset Management Systems. The only reason to report the accounts in collections now was to try to hurt my credit report even further. Even though I have been paying for over a year and even though they have broken federal and state consumer protection laws many times. In addition, they have added unconscionable fees and interest to my accounts to which they have never fully accounted for. XXXX is engaging in violations of state and federal consumer protection laws. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX is no longer reporting the payment arrangement that I have had for over a year with them to my credit report with any of the credit reporting agencies. I have been paying {$250.00} per month for over a year to XXXX through the debt collector they have hired Financial Asset Management Systems. XXXX is no longer reporting the payment arrangement anymore to any of the credit reporting agencies as they had been doing even though I have been paying {$250.00} per month under the 0.001 % payment arrangement for over a year and to which XXXX had agreed to report on my credit report. I have all the documentation that shows that I have been paying Financial Asset Management Systems {$250.00} per month for over a year. There is no reason why XXXX should no longer be reporting the payment arrangement to the credit reporting agencies as I have been paying their debt collector under the payment arrangement for over a year and I have the documentation to prove it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX hired Financial Asset Management Systems to collect on my student loan. Financial Asset Management Systems ( " FAMS '' ) is engaging in deceptive debt collection practices. I had setup an automatic payment using FAMS ' own online payment system for XXXX 2016. For some unknown reason FAMS cancelled the automatic online payment for XXXX 2016, which made me allegedly late for my monthly payment. I have attached a screenshot of FAMS own online payment system. I went back and checked FAMS online system on XXXX XXXX, 2016 and noticed that XXXX had cancelled the payment and I made the payment on XXXX XXXX, 2016. The attached screenshot shows the cancellation from XXXX. To top it off, XXXX is trying to modify my credit report as a result of FAMS ' illegal debt collection tactics because XXXX is no longer reporting the payment arrangement to my credit report ( {$250.00} per month, 0.001 % ) with any of the credit reporting agencies which I 'm assuming is a result of FAMS ' action of canceling my monthly payment for no reason. There is no reason FAMS should have cancelled the monthly payment. FAMS is engaging in flagrant violations of the Fair Debt Collection Practices Act. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted an application for HAMP assisstance to America 's Servicing Company. I am requesting a loan modification, they responded that I had the maximum amount of modification possible and that the private investors are renuant to offer another modification. In a telephone conversation that I have with XXXX America 's Servicing Company, Home Preservation Specialist in XXXX XXXX, she stated that the investors can not approved the modification because I was found unable to pay. The house is scheduled for a foreclosure on XXXX/XXXX/XXXX. I am requesting your help to stop the foreclosure and to advocate for a positive solution of my case, either loan modification or refinance. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a copy of a letter submit XXXX to transunion that state that transunion must delete the account submitted to them back on 2011 for the amount of XXXX .and transunion refused to deleted that account from my credit report while XXXX did. Transunion have the copy of the letter .i call them to know why they said that have to investigate it. Reason why I am filling to complaint again transunion 

Company response: Company chooses not to provide a public response
Consumer complaint: Force-able collections and predatory lending. Wells Fargo completed set-off on XXXX of my accounts well before any last resort action or fair practices were taken. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is not treating me fairly or as a customer. They are withholding information because they want to as a result of fore-cable collection actions and causing other accounts to become delinquent. It has been 42 days since I have requested information and no proper action has been taken by Wells Fargo. Instead of treating me fairly like a normal customer they are sending me blanket legal responses that do not resolve any issues or provide me with information I need to move forward. 

I have made my requests much shorter and simpler. On XXXX XXXX I made a request of who I could get in touch with regarding funds and I was told I would get a response by XXXX XXXX, 2016. 

Company response: Company chooses not to provide a public response
Consumer complaint: During XX/XX/XXXX we obtained a line of credit from Morgan Stanley Home Loan ( MSHL ) for the amount of {$200000.00}. We used this line of credit throughout its 10 years period. It matured XX/XX/XXXX. When it matured XX/XX/XXXX, we asked MSHL to give us some time to refinance it and payoff their loan. They did cooperate with us and we did continued making payment on time paying even above the regular payment. 
On XX/XX/XXXX we received a set of loan document from MSHL regarding a new Home equity Line of Credit Modification. The fees were very excessive, we told them that we are not interested in that loan. XX/XX/XXXX we send them a qualified letter ( RESPA 12 U.S.C. Sec. 2605 e ) and requested complete history and documentation for this loan. The reason for this request was that we received a check in the mail for small amount from an attorney for a class action settlement for MSHL misconduct and mishandling mortgage loans. Meanwhile we were making our regular monthly payment timely and sufficiently. 
MSHL after receiving our request RESPA letter, not only did not respond to our RESPA letter sent through certified mail, they transferred the servicing of this loan to XXXX their Collection company. They also stopped accepting our payment. We insisted on making our payment. They refused to take the payment. 
Since then, we have been trying hard to get a complete history of this loan to pay it off. We have not been successful Until a few months ago, we filed a complaint through Consumer Financial Protection Bureau cfpb. Thanks to cfpb we did finally got a satisfactory response to our request on XX/XX/XXXX. 
On XX/XX/XXXX we responded to their response. We brought to their attention a few mistakes in their response and also stated to them that we are ready to settle this loan immediately. The amount of the settlement has to be {$180000.00}. This is the amount of the loan at the time they stopped accepting our payment and were not able to give us a complete loan history according to RESPA law. 
So far we have not received any response to our offer dated XX/XX/XXXX. We are getting automated letter and settlement demand from XXXX for much higher amount. We expect a response to our offer of settlement. We have set aside {$180000.00} for paying off this loan for the past several years. We are still waiting to get a response and fair settlement for the right amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had our mortgage through XXXX. We always paid on time.. escrow of taxes and insurance was included. Our mortgage was sold to Green Tree and unknown to us our escrow balance went to {$0.00} ... it was not as zero when the mortgage was sold.. the money is missing.. Green Tree then switched to Ditech.. we recently got XXXX letter from them saying we owed {$3000.00} in escrow.. when they were the ones doing the escrow analysis and we were paying what we were told to pay. They are confused. we cant get an answer from anyone. We paid our insurance this year to avoid escrow and they still are refusing to do another analysis to come up with our new payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed bankruptcy in 2010 and lawyer had to include mortgage.I never skipped a payment even though I did not reaffirm, which lawyers apparently do not tell you reaffirm.But my mortgage and second mortgage have stayed on my report.I have since paid off my second mortgage and continuing to pay original mortgage. If the not reaffirming mortgagges is reason, should n't at least the second one be removed, paid as agreed. The remarks do n't reflect what has happened.Account status should open on mortgage and paid as agreed on second mortgage 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, works for evergreen profession recoveries. she is extremely rude, diarespectful, and deceitful. on numerous occasions I have attempted to resolve my payments by establishing a monthly payment that is possible for me, but if she does not like it, she makes threats about taking me to court and garnishing wages from my job. what I mean, is a different employee had offered me a certain amount to be paid per month and that was the best he could do, and the next hour she said changed it to a different amount. she went from saying XXXX a month to XXXX a month after 2 payments of XXXX. After telling her that was not feasible, she said " you know what, just throw everything to the trash. I 'm not doing anything for you. I will just garnish ur checks ''. bottom line is she is rude and disrespectful. and constantly makes threats and has no intentions of working with me when I am making an effort to pay them. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I checked my credit through annual credit report to see if a foreclosure had been removed. I selected Experian as the agency. When I went to check the credit they wanted to charge {$4.00} extra to get my credit score. In small fine print it said they were signing me up for a credit monitoring service, but I was not clearly made aware of this. I also was not informed that a charge outside the original agreed upon {$4.00} was going to hit my credit card on XXXX/XXXX/2016. On XXXX/XXXX/2016 I was charged {$19.00} by Experian. On XXXX/XXXX/2016 I saw the charged and called to ask why I was being charged. The agent on the phone informed me that I signed up for the service. I told him I had no knowledge of signing up for the service and that they never informed me I was about to be charged. The agent refused to refund my money for the service that I had never used and said they had documentation proving I signed up for it. I do n't think they should be allowed to sign people up for a service who are coming form annualcreditreport.com especially when they do n't make it very clear that getting the credit score is also signing you up for their service. To then refuse to refund money for the service when it was never used after getting the score is again invalid. They are clearing trying to scam people by automatically signing them up the service and then stealing their money by refusing to give them a refund once they realize they were signed up. I plan to dispute this with the credit card they charged, but I have a feeling the credit company will side with them and they are probably in on the scam. I ca n't refuse to pay the credit card company for the charge if they side with experian or I will ruin my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry was initiated by XXXX BANK on XXXX. I did not authorize any employee of XXXX BANK to review my records for any reason at any time. I had also requested XXXX BANK to provide me with documentation for my verification within 5 business days and they have failed to do so, in clear violation of my FRCA and Privacy Rights. I have continued to suffer irreparable economic injuries as a direct result of this negligence on the part of the BANK, including but not limited to inability to secure meaningful employment, housing and obtain new credit. 

Company response: Company chooses not to provide a public response