AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I filed a complaint on Experian in a previous complaint. The complaint # is XXXX and it is still open. The CFPB responded Experian has provided a partial response. I have pasted their response below. In their response they say they will contract the data furnisher. This item was already disputed several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original CFPB complaint. My question to the CFPB is why does Experian need and why are they being permitted to do another dispute and contact the data furnisher if they did this when they denied the dispute a few weeks ago?? If the CFPB reads the Equifax response, it does not address my complaint. This looks to me like a auto response or a form letter. This is exactly what is wrong with Experian. 
I am asking the CFPB to immediately require Experian to provide me with the documentation they used to validate the XXXX XXXX item on my credit report. This documentation must include the original creditor documentation for the account being reported and documentation showing the exact date the account went delinquent. 

Below is the Experian Auto Response Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: They call me repeatedly, although I 've told them time and time again I will pay them when I can, as I do not have a job, which is why I have n't been able to pay them in the first place. Soon after I bought the item, I lost my job and in addition to this, the item was stolen and when I filed an insurance claim, it was not until then that I was told that theft was not covered under the policy, something an in-store representative failed to mention although I asked her specifically was theft, loss etc covered and that I wouldnt not purchase the item ( s ) if this was not the case and subsequently, I was told a very assuring yes. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My property is originally financed by Wells Fargo Bank and Insured by XXXX XXXX XXXX. When I applied for a Home mortgage refinance Loan it was denied. I asked for refinancing on the first mortgage because there is a first mortgage and a second mortgage on the property. I pay the property taxes and the Insurance premium on the property to reduce the cost of refinancing. I was told by the banks representative that I must include in the loan refinance package the following : First mortgage and second property loans Taxes and property Insurance All closing fees. 
Due to the piling on fees, I could not afford the loan package offered by Wells Fargo Bank. It appears the bank offered was intended to be unacceptable. 

My second Home Refinance attempt, I was informed by Wells Fargo Bank representative that a XXXX XXXX Dollar ( {$300.00} ) appraisal fees is required, the appraiser fee was to be placed on a credit card and no guarantee the loan would be approved. I did not have the money, therefore I was denied by the bank. 

My third attempt to refinance the home loan, the Wells Fargo representative stated I needed XXXX XXXX XXXX ( {$500.00} ) on a credit card for appraiser fees. I was denied refinancing because my debt ratio was to high. 
My income debt ratio is high due to the high interest rates I pay Wells Fargo Bank on the property first and second mortgage, that is XXXX of the reasons, 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is reporting a default on a previous XXXX 's account. I do not dispute the default, but I am disputing the dates they report the account was opened and defaulted. I issued an inquiry and dispute with Experian and they refused to amend or remove the information from my credit bureaus. The information appears on Experian and XXXX, but does not appear on XXXX. I am trying to purchase a co-op as a first time home owner and the incorrect information is affecting my mortgage interest rate and how much I must provide in terms of down payment. I appreciate your assistance to investigate this further. XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX Synchrony Bank Payment Research Department I had a XXXX XXXX Credit Card through your bank. The card was transferred to XXXX XX/XX/XXXX. I got a new card but I did not change the Account Number on my online banking. As a result I sent two payments to Synchrony Bank. These payments should have gone to my new XXXX XXXX XXXX account. 
I have had a great deal of trouble communicating with Synchrony Bank and would really appreciate some help with this issue. 
I made two electronic payments. 
{$140.00} on XXXX XXXX, XXXX {$81.00} on XXXX XXXX, XXXX I used my XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX The payments did not bounce back to my account or get transferred. 
My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like those payments transferred to my XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX I am including my Banks Proof of Payment 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Furnished misinformation being reported by Experian credit bureau which thus has been deleted by XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have provided www.credit karma.com with correct XXXX and XXXX reports. They have deleted my files and refused to reopen report the corrected files. They have no telephone support and for several months have not corrected my credit files. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On my BEST BUY statement I notice there were fees regarding a Debt protection program which I never authorized for. I have been a Best buy credit card member since 2009 and the fees over the time are between $ XXXX-XXXX. Some of the fee charged are not even documented on my statement.They have charged me over {$2400.00} in these fees. The problem is if they did not charge me these fees I would of been able to pay off my credit card in time before the promotion was over. Now I got charged by BEST BUY over {$3000.00} in interest fees. Which this made me go over my credit limit also caused an bad impact on my credit score.I have contacted Debt Protection and they stated they will send me documentation and investigate the issue also refund my money buy it will take 30 days. Then I called BEST BUY ( worst customer service ) they stated they do not have any documentation in regard to these fees and the company was a third party. I told them the only thing I signed up for was a BEST BUY CREDIT CARD an now there are fees from this program on my BEST BUY statement and so they have to be a part of it and have some documentation. Best Buy ( XXXX ) said no. I told him I did not go out of my way to get this program and have more fees added to my monthly payment its RIDICULOUS. These fraudulently added by one of their employees. The only thing I signed up for was a BEST BUY CREDIT CARD. There was no mention of another program there is no way I would want to add more charges to my account. DO NOT GET A BEST BUY CREDIT CARD!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by National Credit Systems about a debt that was owed from an apartment I lived at close to a year ago. They stated there were damages that would need to be paid for. I agreed to pay for part of the damages, but they mentioned the microwave was broken, which would not have involved me since I never used to the microwave out of my time of over a year of living at the apartment. I filed a dispute with them and followed up later. They stated that the apartment has not responded and would have two weeks to respond to the dispute or they would drop the microwave case and I would just owe the rest of the debt. I called two weeks later and the woman handling my case stated that since I never submitted proof that I was not the cause of that particular damage I would still have to pay. When I brought up that I had been told previously that the debt would be dropped in two weeks if they did not hear from the apartment they said that was not the case and there is no time limit for the apartment complex to respond to a dispute. This makes no sense as then every dispute ever made could be won by not responding. When I asked her directly about what she had told me the week before she did not answer and transferred me to her supervisor. The supervisor would interrupt me mid question and not let me get a word in. I was not able to ask any of the questions I had for him regarding my case as he would just interrupt me. I also wanted to ask him if I would be able to get an extension on my time to prove that I did not break the microwave since I was not looking for any previous evidence because I was told that I did not need to as the case would be dropped if the apartment did not respond. The woman handling my cases ' name was either Heal or Heel and her supervisor was XXXX XXXX. Eventually XXXX became angry and hung up the phone on me. I recorded the most recent phone call if the evidence is required of me. It was disappointing to not get any answers to my questions and to be talked down to and responded to so aggressively. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: What you are doing Experian is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Experian, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Experian you are reporting XXXX XXXX XXXX student loans that are more than 10 years old ( from the original delinquency date ) and these accounts are negatively impacting my credit score and decisions of lenders, including the REMARKS IN THE ACOUNTS. 

These are my 2 requests : ( 1 ) Remove XXXX XXXX XXXX student loans from my credit report now ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of XXXX XXXX XXXX XXXX loan accounts ; send the ORIGINAL DELINQUENCY DATES to either my email address on file with ConsumerFinanceGroup.gov or my mailing address on file with ConsumerFinanceGroup.gov or through an electronic online file at your website that I can access. That information is not my right, but if it has been less than 10 years from the original delinquency date, I will withdraw my requests. Those dates are imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Experian for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Experian 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo continually charges me {$35.00} on XX/XX/XXXX for each overdraft used via my debit card. I have repeatedly requested that if the money is not in the bank to decline the transaction. Do n't charge me {$70.00} to decline the transaction. Please process as soon as possible. As always, I truly appreciate being represented by the federal government, specifically the Consumer Financial Protection Bureau. Thank you kindly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, I purchased some Car Audio equipment, I paid the buyer with my Citi-Bank credit card. I never received the item 's I purchased. I filed a dispute with Citi-Bank, On XXXX/XXXX/15, I received a conditional credit. On XX/XX/2015. Citi - Bank reversed the credit. On XXXX/XXXX/15. I received a letter from Citi-Bank reguarding the transaction. If I wanted to still dispute it I had to fill out the form and send it in. I sent it twice. But City-Bank, claims they never received either one. Now they tell me the time to file has elapsed, not my fault they cant do a simple task, and constantly lie. This is why they will never Be XXXX or XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX REMOVE XXXX XXXX XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Transunion, XXXX, and XXXX, are not following the Law, and are allowing XXXX ( because they pay these credit bureaus money as a member } to report improper information on my credit file. 
Each of the Credit Bureaus have received the verification information, and ARE NOT removing the bad information from my file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My wife and I noticed a fraudulent credit card charge from a mail order cosmetics company in XXXX of XXXX after reviewing our XXXX statement. At the beginning of XXXX we contacted Walmart Synchrony bank to report and dispute the fraudulent charge ( XXXX ). We provided the amount of the dispute ( {$260.00} ) the date ( XXXX/XXXX/XXXX ) and also cancelled our old card and ordered a new one to prevent further unauthorized charges. I have made more than 10 calls to the credit card company since then and keep getting the run around. Today they said their investigation shows the charge was valid and my claim denied. It is extremely frustrating as we have no clue as to what the charge was for and never made a purchase to this company we had never heard of. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My husband and I requested a loan modification with our Mortgage Lender ( Bank of America ) in XXXX for XXXX and XXXX loan. In XXXX Bank of America finally approved our Loan Modification request. Recently, I have been getting calls from a XXXX XXXX company stating they our Mortgage Lender to our home. We have been making out payments to Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: I straightened out an issue regarding a tax amount that the state of VA thought I owed almost 2 years ago. Now I get a letter from a Penn Credit Corporation stating that I owe the amount. I called and stated that the info they have is inaccurate. They informed me that I was my problem that I had to straighten out with the state of Virginia and give them proof. I do n't want to take the time to go through this again. Is n't there some responsibility placed on the shoulders of the collector and at what point does it become harassment? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TRANSUNION AND XXXX REPORTING INFORMATION NOT MINE. 

Company response: Company chooses not to provide a public response
Consumer complaint: We opened a Bank of America mortgage in XXXX XXXX. We have since went through XXXX modifications with them in which we were told not to make payments on our current mortgage until our modification was approved. Once our loan was modified our payments were not shown as made on time and our new balance on our loan was never shown. We have also been on time with payments since the beginning of XXXX but Bank of America shows XXXX, 30 day late payments at the end of last year. I have the receipts showing when those payments were made and still Bank of America and the credit bureaus have refused to remove the 30 day late marks on our credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian continues to indicate that XXXX County lien XXXX was paid. IT WAS NOT PAID. Instead, the lien was filed in error by the State of Alabama and eventually canceled. However, Experian refuses to correct the reporting despite multiple submission of documents indicating the correct status. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am referring to case number XXXX. 
I.C.System collection agency has posted a fraudulent collection on my credit report. 
XXXX XXXX XXXX had been paid in full, no demand for payment has never been received from I.C.System or XXXX XXXX XXXX and my score has dropped XXXX points following this fraudulent collection. 
My dog was treated four times. 
According to the XXXX, I was responsible for a total of {$2100.00} ( {$320.00} x XXXX ) for Weeks 1 and 3, {$810.00} for Week 2 and {$630.00} for Week 4. 
I paid {$2100.00}. Therefore I do not owe them any money. The fact that they tried to take advantage of vulnerable people suggests that we are not their first victims. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a collection on my account for 7 years on all XXXX of my credit reports and when it was time for it to come off the company went and got a judgement against me. Is this even legal? 

Company response: Company chooses not to provide a public response
Consumer complaint: They called me on my job and when asked not to call, the rep said that they 'd call again if they needed to verify my employment. They also talked rough and kept asking me to commit to a payment. When I said that I did n't know how much I could pay, they tried to bully me into to making a payment by saying, " Do n't you know how much money you 'll have. '' They also told me that they 'd put this on my credit report and I 'd have trouble renting a home/apartment in the future. Lastly, I called them on Wednesday, XXXX XXXX, XXXX to ask them if I could settle the account with a {$100.00} payment since my balance is {$200.00} and I had n't made a payment since XXXX XXXX. They refused the payment. So, I said, " Ok, I will take the {$100.00} and pay it towards another bill, '' and the rep said, " Ok. Have a nice day. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a GAP VISA. I do n't owe them anything. I never opened it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently found out that I had a negative mark on my credit. I have excellent credit. When I found out that Syncrony Bank/Sams Club had a collection on my credit I did n't know why because I have a business account and it is fine. I found out that they had opened an account for me with a small charge for a purchase I made, I thought, on my business account. I never got a bill or notice or even a card in the mail from opening an account. I went to Sams Club and they told me that an account was opened and they had the wrong address. They had part of my business address & part my home. But I do not ever recall even opening this account. They have advised me that it is fixed but it is not still. I need this resolved as this is erroneous and completely inaccurate. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: These items that appear on my experian report are not mine and need to be deleted immediately. I want these companies to provide me with a signed agreement with my signature stating I opened these accounts. I have disputed these items with experian before and they will not reinvestigate these trades but simply state that they have do so already and refuse to reinvestigate these trades anymore, I received no proof from experian stating that these were my trades just a simple oh well we verified they are yours you dont like the results too bad. Im done trying to be nice with credit reporting agencies I want written proof something with my signature stating I opened and used these accounts. the trades are as follows. 
XXXX XXXX acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX XXXX bank acct number XXXX .... 
XXXX XXXX Bank acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX acct number XXXX ... 
I want written proof from these companies that these accounts belong to me meaning something with my signature stating that I opened them 

Company response: Company chooses not to provide a public response