AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX FCRA Dispute Duties The FCRA imposes dispute duties on both CRAs and furnishers. If a consumer disputes the completeness or accuracy of an item contained in his or her file directly with the CRA, u the CRA must complete a reinvestigation within thirty days after receiving the notice of dispute from the consumer ; XXXX u in conducting the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer ; andXXXX u within five business days of receiving the dispute, the CRA must notify the furnisher of the dispute, and include all relevant information that the CRA received from the consumer .XXXX After receiving a dispute from a CRA, a furnisher must take the following steps:XXXX u conduct an investigation with respect to the disputed information ; u review all relevant information provided by the CRA ; u report the results of the investigation to the CRA ; u if the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the information ; and u complete the investigation before the end of the thirty-day period that the CRA has to complete its reinvestigation. If the CRA finds during the reinvestigation that a disputed item is inaccurate, incomplete, or can not be verified, the CRA must delete or modify the item.XXXX No later than five business days after the completion of a reinvestigation, a CRA must provide written notice to the consumer of the results of the reinvestigation .XXXX The notice must include u a statement that the reinvestigation is completed ; u a consumer report based on the consumer 's file ( if the file has been revised as a result of the reinvestigation ) ; Case number : XXXX Back Status Company responded Experian Credit Bureau said : Explanation of closure 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, including the two attachments, you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate there are unauthorized inquiries appearing on your credit report. You are requesting the removal of the inquiries from your credit report. 

The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time NO INVESTIGATION HAS BEEN DONE!!!!!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a GREENTREE mobile home mortgage.Husband mentioned there had been a computer glitch and not to worry. when husband died in XXXX 2009 I called when death certificate came back and loan was supposedly changed to my name, and was once again assured my payments were right on track. DITECH TOOK OVER AS LAST PMT OF A 15 YR LOAN WAS DUE BY AUTOMATIC WITHDRAWAL. see documentation. letters not signed, when robocalls and calls from diferent collection agencies began I sent another letter and yet calls continue from various numbers only telling me I need to call another number.Default letter also came to me AND another to my dead husband last week. PLEASE NOTE NONE OF THE CORRESPONDENCE IS SIGNED WHEN I GOT DOCUMENTS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: IQ DATA AKA XXXX HAS BEEN SENT LEGAL DOCUMENTATION IN REGARDS TO SUCH SAID DEBT AND REFUSES TO COMPLY WITH FEDERAL GUIDELINES AS WELL IS MIS REPUTATION THIS DEBT GOES BACK TO XX/XX/XXXX AS THEY UPDATED WRONGFULLY REPORTED XX/XX/XXXX THIS IS COMMUNICATION ERROR AND MIS REPUTATION AND VIOLATION OF THE FAIR CREDT ACT 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be XXXX trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a bank of america checking account which I closed today. Lately they 've been charging overdraft fees BEFORE I overdraw the account. If the account gets under {$7.00} Bank of America with initiate an Overdraft Transfer and then charge a {$10.00} fee on top of that. I 've had BofA for years and this is the most recent scam of theirs to get extra money. I 've spoken to BofA XXXX times in the past month and I got reimbursed the XXXX XXXX times with the most recent incident earlier today resulting in me closing the account. The CSR said that BofA is " assuming '' that I will overdraw and to prevent that from happening they initiate a tranfser. My ending balance on XXXX XXXX, 2015 was {$5.00}, the following morning BofA inititates a transfer to keep my from overdrawing before I overdraw the account?! It 's bad enough they 're charging me {$2.00} for even looking at my balance on an out of network ATM but this is just so underhanded and sneaky. I still have a savings with them but I may close that soon. This is n't how overdraft works you charge me when I overdraft not before when you think I might especially when there were no pending transactions at the time of the overdraft transfer. This is the second time I 've closed a checking account with BofA because of their practices. I have XXXX other checking accounts which I use more frequently and I 've never had these problems with those XXXX other accounts. They try to justify the charges by saying that by the end of XXXX XXXX, 2015 I would 've overdrawn. I knew my account my close to {$0.00} which is why I checked the balance and because of the BofA inititated transfer of {$14.00} my account was still positive. Had that transfer not been inititated by BofA I would 've seen that my account was close to {$0.00} and initiated the transfer myself. Not once did my account drop below XXXX NOT ONCE. They charged me a fee and transferred funds all while the account was positive, way to nickel and dime your customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. They turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Transunion seems to want to listen to me. The worst part is that BOTH companies are listing 120+ days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Transunion to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2002, while I was XXXX a bank that is now known as Wells Fargo issued a home equity loan to a third party and used my property as collateral. This third party showed no ownership of this property located at XXXX XXXX XXXX XXXX in XXXX, XXXX Wells Fargo is now foreclosing on this loan. I tried to address this situation through their fraud department with no success. They ruled against me and totally overlooked the facts that i could n't have signed for a loan because of my whereabouts at the time. They have n't allowed me to negotiate a fair outcome because the loan isnt in my name. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was attempting to settle a debt with Smith Debnam. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about XXXX weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called Smith Debnam to get a payoff. Smith Debnam then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Husband was the primary breadwinner. He was XXXX for the XXXX time XX/XX/XXXX. He died XX/XX/XXXX. By XX/XX/XXXX I realized I could not afford to keep the house and I listed the property with XXXX XXXX Properties for {$270000.00}. I had a full price offer within a day, but if fell through 2 days later. Shortly thereafter I had a XXXX offer in the {$260.00} 's. It also fell through quickly. XXXX XXXX made a bid of {$240000.00} XX/XX/XXXX but I needed to get {$260000.00} to break even. The {$260000.00} consisted of a XXXX and XXXX trust both the held by XXXX. Thereafter XXXX XXXX notified me on several occasions that we had received one or another verbal offer but none were above {$210000.00}. XX/XX/XXXX I asked XXXX XXXX to contact XXXX XXXX to see if she was still interested and might pursue the property as a short sale. I accepted her offer of {$240000.00} on XX/XX/XXXX subject to a short sale. I completed my short-sale paperwork and we submitted it through our short sale negotiator XXXX XXXX of XXXX & XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX could no longer continue making payments. During the ensuing 5 months XXXX " lost '' the paperwork and we resubmitted it several times. XX/XX/XXXX I was notified that XXXX had sold the XXXX Trust to " SLS '' while retaining the XXXX trust. I resubmitted my paperwork to SLS. SLS sent XXXX appraisers to the property. The XX/XX/XXXX appraisal I was told was $ XXXX and the XXXX appraisal was for either {$270000.00} or {$280000.00}. XXXX figure was given to XXXX XXXX 's office and another To XXXX XXXX. No copy of either appraisal was ever provided to myself, or to XXXX XXXX, or to XXXX XXXX. XXXX XXXX was informed that SLS would consider a dispute of the appraisal ( s ) and would respond with 5 days upon receipt. By this time my agent XXXX XXXX had announced his retirement effective XX/XX/XXXX and I hired XXXX XXXX of XXXX XXXX XXXX who put together a copious, highly detailed, XXXX with a value of {$230000.00}. It was submitted XX/XX/XXXX both by e-mail and by fax. Our 5-day appraisal dispute review period has come and gone with no response. In the meantime XXXX XXXX, my purchaser has withdrawn her offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Seneca Mortgage has messed up our home loan since XXXX XXXX the very first month and has taken almost two years to resolve a payment dispute of XXXX payments from XXXX and XXXX XXXX when the payment XXXX up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from XXXX Bank as well as us, they still claim we owe this and theres always another excuse or accusing us of not sending the correct info or that they need thisbor that permisdion. Anything to not fix this or take responsibility! Especially after receiving information from the bank. They also sent emails they claimed not to send and have tried to recall emails their staff realized was sent to us instead of internally talking about us and info that was being requested!! Totally unprofessional and complete liars! Now they are claiming payments were not made from XXXX to XXXX XXXX despite thevpayments being sent priority mail. They insinuated checks were returned that were cashed also! They have misasplied and have this account so messed up and then always get different answers, they lie, and are unprofessional. It should not be this hard or long to get this resolved and documentation regarding status of this account! This is unacceptable!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/16, I went online to receive my free credit reports from XXXX. **I was able to obtain reports from both XXXX and XXXX and after printing the XXXX report, the System kicked me out for *Security Reasons* as it stated. I was not able to retrieve information on Experian. Then when I logged back onto the website, it indicated I had received credit reports from each when in fact I was n't able to access Experian. I 'm asking to be granted access to Experian or receive a Report to my address.In reviewing the report, I discovered a FRAUDULENT Account from the XXXX XXXX. I wanted to lodge a dispute with XXXX to have this removed. Thus, I wanted to review Experian to determine if it was displayed on their site. The XXXX had no reference to this account though. **Someone assumed my identity and Opened this Fraudulent account and I was just made aware this existed as no mail was ever sent to my address. **Thank you for your Assistance. Not sure if these are going through. Have n't received any response on previous Complaint. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM EXPERIAN AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A XXXX SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.
Company response: Company chooses not to provide a public response
Consumer complaint: I am currently making monthly payments to Credit Acceptance for a car loan, in a duration of 4 months. I purchased the car in XX/XX/XXXX, and made a XXXX dollar down payment, with the vehicle costing a little over XXXX dollars. My monthly payments are XXXX dollars, and I learned that the value of my XXXX Chevrolet Cavalier, was only worth a little over XXXX dollars in XX/XX/XXXX, as a book value. Meaning, that I was overcharged by Credit Acceptance as well as the car dealer. This will result in a legal court case if I am not compensated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a water softener for our new home and financed it. I paid off the loan within the first month. XXXX of the credit agencies is still showing the total amount due and has me at a lower score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: on my report appear a balance of a apartment that ca n't be me because on that time i does n't have social security number and i was on XXXX grade of schoolS, also there is a student loan under my name and thats not possible either because like i said i was here with out social SSN 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am on Social Security XXXX because of an XXXX and I am supported by the Massachusetts Department of XXXX. ( I can supply more detail about my XXXX as needed ; suffice it to say XXXX. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On XXXX XXXX, 2016 I deposited a {$2300.00} check made out to me from XXXX ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of {$2100.00} ( {$1500.00} at XXXX ALONE ) all before the check from XXXX was reported as fictitious on XXXX XXXX. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On XXXX XXXX, 2016 I went with the financial adviser provided to me through the Massachusetts Department of XXXX XXXX to meet with Bank of Santander officials in XXXX, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I needed to pay the entire balance of {$1900.00} by the 35th day of the account being in the negative ( We believe that date is XXXX XXXX. ) or they would turn the matter over to XXXX and I would not be able to open any account with any bank in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on XXXX, and my parents are around XXXX years old. On XXXX XXXX, to show good faith, my father deposited {$400.00} in my account at the Bank of Santander. On XXXX XXXX I, again with XXXX XXXX my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on XXXX XXXX I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On XXXX XXXX, my father, acting as my Rep Payee, submitted claim number XXXX to the federal Consumer Financial Protection Bureau but on XXXX XXXX he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have paid my mortgage down to 78 % of the home 's original value. The lender should remove my mortgage insurance automatically. The lender is telling me that I need to get an appraisal done. I should not need an appraisal. They will not allow me to speak to the person making the decision. Specialized Loan Servicing. Not very specialized. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon beginning classes through the XXXX XXXX ( " XXXX '' ), I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( " XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a full-time student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account XXXX, XXXX from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, Title 12 U.S.C. 5531 ( a ) ), the Higher Education Act, and the Federal Trade Commission Guides for XXXX XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company