AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Transunion sent the paper report ( attached ) in response to CFPB case # XXXX regarding XXXX XXXX # XXXXIn their CFPB response, Transunion says the date of first delinquency is " reporting '' as XX/XX/XXXX.THEIR report is attatched and it is NOT REPORTING at all.In addition the payment received was {$26.00} not XXXX as they are reporting. 
the last payment made was XXXX/XXXX/XXXX which is not reporting. The payment table does not accurately correspond with the XXXX/XXXX/XXXX date of first delinquency.Basic math in relation to the non-appearing date of first delinquency dictates that the payment table is erroneous. 
TRANSUNION IS NOT FAIRLY AND ACCURATELY PORTRAYING MY CREDIT according to FCRA. ALSO THE HIGH BALANCE AND ORIGINAL CHARGE-OFF AMOUNTS ARE FRAUDULENTLY EXCESSIVE BY HUNDRED 'S OF DOLLARS BECAUSE THE CREDITOR VIOLATED THE RULES OF THE FULLY-IMPLEMENTED XX/XX/XXXX CREDIT CARD ACT IN CHARGING LEGALLY EXCESSIVE PENALTY FEES AND INTEREST.TO SUPPORT THIS, XXXX, THE DEBT BUYER STOPPED COLLECTION AND DELETED CREDIT REPORTING AFTER THEIR INVESTIGATION about a year ago.WHEN XXXX BOUGHT THE DEBT IT WAS " PAID IN FULL ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2014, I purchased windows from The Home Depot. The Home Depot representative, XXXX XXXX, told me that the financing was 24 months interest free through The Home Depot card. When I received the first statement in XXXX 2014, it showed staggered interest rates, I contacted both CITI ( the underwriting bank ) and XXXX XXXX of The Home Depot. XXXX XXXX has repeatedly told me that there must be a mistake because it was supposed to be 24 months interest free. Every month since then, upon receiving the statement, I have contacted both CITI and The Home Depot. Every month, I was assured by The Home Depot that there was a mistake. However, I am now paying over 26 % interest. This is predatory and deceptive lending practices of CITI. 

Company response: Company chooses not to provide a public response
Consumer complaint: I financed a vehicle through FRIENDLY FINANCE CORP. on XX/XX/XXXX. My spouse took the vehicle in our divorce. My ex-wife defaulted on the payment and the vehicle was repossessed sometime in XX/XX/XXXX. The original loan amount was around {$11000.00}. After the loan was charged-off a judgment was obtained against me in the amount {$8800.00} plus accrued interest in the amount of {$1400.00} with 22.9 % interest on the principal balance. I was notified of a garnishment order for this judgment by my employer. I did n't protest the garnishment due to the fact I knew I signed for the loan. FRIENDLY FINANCE garnished my wages from XX/XX/XXXX to XX/XX/XXXX for a total amount of {$14000.00}. I contacted the law firm handling my account on behalf of FRIENDLY FINANCE and was told my case was closed and the judgment had been satisfied. I believed this to be the end of this matter however in XX/XX/XXXX I received a noticed from an attorney representing FRIENDLY FINANCE regarding an outstanding balance of around {$3000.00} for the above auto loan. This time I was served noticed and went to court. FRIENDLY FINANCE was actually trying to obtain or transfer my default judgment from XXXX to XXXX. The judge in XXXX ruled the judgment was paid and that he would vacate the judgment. Now FRIENDLY FINANCE is falsely reporting this as charged off on my credit with a charged off balance of over {$6000.00}, which is incorrect. By my estimation I have paid over XXXX for this XXXX loan. I 'm still paying for this loan everyday due to the higher interest rates on loans term I receive due to this predatory lender. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CMRE. XXXX XXXX. {$130.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX vs Bank of America XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX [ XXXX ] Complaint charge description : on the date of XXXX XXXX 2016. I XXXX XXXX, was willfully and intentionally discriminated against, based on the color of my skin. To which, led to the denial of banking services at Bank of America, located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. 
I went to the bank to cash a check for XXXX XXXX and XXXX dollars. That was written out as pay to the order of [ CASH ]. I endorsed the back of the check and provided my drivers license number. And put my thumb print on the front of the check. Then handed it to the bank cashier. Whom took a very long time doing XXXX knows what ... on her computer screen. then, she stepped away momentarily to speak with someone. She came back! And stated that.. she will not be able to cash the check. So, I ask ... and why are n't you able to cash the check. 
The Bank claim and her statement was : that the reason for them unable to assist me, was because they were not able to verify the authorizing signing party on the check. Which was XXXX XXXX, XXXX of the account holder name on the account. 

[ XXXX ] Complaint charge description : I left and went to a different branch shortly after leaving there. upon arriving at the Bank of America located at : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I waited in line ... then, I was called to the counter. I was asked the most unusual thing by the clerk, before she would assist me. I was told to remove my sunglasses. And after I did! she then begin to help me. I ask her what was the reason for me removing my sunglasses.. she stated that it the bank policy that sunglasses are not allowed to be worn inside the bank. And I witness their own security guard wearing a hat and sunglasses inside of the bank. I said this is the first I 've heard of this ... furthermore, the cash the check and I left the bank. 

the statement herein give by XXXX XXXX ; is the truth, as it happened on this XXXX day of XXXX 2016. 

Company response: Company chooses not to provide a public response
Consumer complaint: today while on a recorded line speaking to Wells Fargo Bank I spoke with a man named XXXX XXXX who continues to tell Consumer Financial Protection Bureau that they are assisting XXXX XXXX XXXX and family in investigations into the misconduct and financing of property without the knowledge of XXXX XXXX XXXX also at the same time they have told CFPB 60 days to assist with documentation they are not preparing as in ledgers audits on accounts funds produced and also liability claimed as beneficiary of these events. why would Wells Fargo Bank continue to tell Consumer Financial Protection Bureau they are assisting in the recovery of the home and property or the client and his rights when none of such is being done including helping with a forfeiture against current persons in the homes who acquired them for free illegally by XXXX XXXX XXXX who was put into power by Wells Fargo bank. we admitted to Wells Fargo bank that my brother might have been a part of the situation but still my brother is not the beneficiary of the property nor receiving payments for this property on any records that I can find, any proof of the transactions other than what was approved by XXXX XXXX XXXX has been requested. the longer this drags out the more time Wells Fargo Bank has to benefit off this as well as create more problems by for closing forfeiture and sales illegally of the property through the side title companies XXXX County title and XXXX County title all in Washington State and bonded by XXXX trustee services as independent state entity or private/state entity ( s ) funded and insured through Washington State. amateur izations were also requested last year around the same time when notification of the property have a non sufficient funds produced and XXXX XXXX XXXX being the payor of the Dead by and through wells Fargo the legal fraud and transacting wire fraud transfers of money pulling into XXXX right off XXXX to pay debts without his permission nor any rights given. specifically stated that this is out of Wells Fargo 's hands. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I bought a second home in XXXX with XXXX. 
We filed for Chapter XXXX Bankruptcy in XXXX, but this mortgage was not included. So, we continued to make the payments every month even though this loan had changed hands several times. In XXXX of XXXX, our Chapter XXXX bankruptcy was discharged. Since XXXX of XXXX I have been calling them to see about receiving a regular statement, i.e. showing the principal, escrow, and interest payments, etc. 
I have been calling them at least once a month upon receiving thier statement that does not include any " real '' information. They have told me that there were unapplied funds, that I did not have to make a payment, that they were working on reconciling my account. This month I recieved a " statement '' showing : my payment, an escrow disbursement, and XXXX payment reversals dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I wonder if my payments have gotten mismanaged or who knows? 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX XXXX XXXX. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CMRE Finance. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had previously filed a complaint against Flagstar Bank back in 2014. You should have that complaint on file. Since that time we have gotten no where with the bank. The home was vacated in 2014, we tried to do a cash for keys, a deed in lieu of foreclosure, and a short sale. No one from the bank would answer me, the realtor selling the home or our attorney. We had XXXX offer and the bank would not respond. They just continued asking over and over for the same documents. Once they were sent they would wait a few months and then say they needed new ones or claim they were never relieved. These documents were sent by myself and the realtor. All to no avail. I see a settlement was reached with Flagstar but I see no difference in their mortgage servicing practices. They give me a phone number, but no one answers that phone, you leave a message and no one ever returns your calls. Then every six months or so they send me a new letter and claim they are closing their file because I did not provide them with the information they requested. This is just not true, everything they ever asked for was sent. I also complained to the attorney general in the state of MI, but they referred me to your office. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have advised this company before that my identity had been compromised and they still fail to keep me safe. Everything on my report looks correct as far as i cal tell with the exception of a couple accounts that are not mine, however the purpose of this complaint is because i have not been seeking any credit yet i see inquiries on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been keeping close check on my credit and have noticed more inquiries and i have not been looking for credit. The only inquiry that should be on my report is target. Anything else was done without my permission and is not valid. 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE. XXXX. {$65.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE XXXX. XXXX XXXX. {$46.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: Remove Address : XXXX XXXX XXXX XXXX, CA Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 

Company response: Company chooses not to provide a public response
Consumer complaint: KelKris ( XXXX Credit Bureau Associates ) drafted a Stipulation to Set Aside Default and for Settlement and Entry of Judgment to discharge a debt filed against me. The company 's attorney negotiated an amount of {$4200.00} with my attorney, I accepted it, and sent them a check in keeping with their instructions in the Agreement. Now they are reneging on it saying the {$4200.00} was in error. Now they are saying they want {$6700.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a vehicle from XXXX XXXX in XXXX. The dealership facilitating the financing with Wells Fargo Dealer Services. I have made several requests for the Credit Score Disclosure to be provided to me, to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Without notice or prior warning, Citi closed my credit card account. I had no balance and was a faithful customer for over 15 years. Upon learning this I called the morning of XXXX XXXX to dispute this decision. I asked to speak to a manager and was notified I would receive a call within 24 hours, perhaps the same day. More than a week later, I 've heard from nobody. Poor service and treatment of customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a late payment in my credit report dated XXXX 2015 ( 30 days ) from SEARS/CBNA. 
Sears-Citi did n't send me the statement on time for {$26.00}, not to my email nor home address. I called customer service and they removed the late fee since the problem was in their system not sending the statement on time. However, the credit department did n't remove the late payment from my credit report. I sent them letters and asked them to correct their mistake but no results. 
I did n't have any late payment in the past in any credit cards. This late payment decreases my credit score significantly. Usually credit card companies trying to protect costumers but Citi is going in opposite direction to hurt members due to their own mistake. 
My request is that Citi removes the late payment and correct their system mistake so it will not happen to others. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear : CFPB I need your help to solve this problem with Bank of America ( BoA ) I strongly believe that my right as a consumer had been violated and denied for too long with the negative and false report in my credit file from Bo A. In XXXX XXXX BoA send me letter for collection and credit refund this process is conflicting with XXXX and the other. 

On XXXX/XXXX/XXXX I spoke to Bank of America ( BoA ) over the phone ( XXXX ) XXXX, XXXX, XXXX and transfer to XXXX in the billing department about the credit report of late payment and delinquency in my credit file, after I explained to him the error happened since XXXX XXXX told me that the report on all of my accounts will be correct and remove, and the credit bureau said it take about 30 days to get it correct. 

Today I went online to order my annual credit report and find that the late payment and the delinquency report was back in my files. I call XXXX and spoke to XXXX he said BoA had made a final decision that the delinquency report stayed as is in my file. I requests to speak to XXXX in the billing department but was denied, how could I have a delinquency when BoA refund a credit of {$61.00} to me plus all the late fees and interests was refund and correct since XXXX XXXX statements? 

I pay my bill in timely manner and paid as agreed, I did not paid minimum balance instead I paid full balance each billing cycle on all credit cards that I have with XXXX, XXXX XXXX, and Bank of America for the pass several years, please verify this with other cards provider. 

Please I need your help and I requests for an investigation into this matter to correct and remove this false report that had destroyed my good credit for over a year. Thank you for all your help and understanding I am looking forward to hear from you. 

Respectfully, XXXX XXXX Ps : This matter concern the account # XXXX, XXXX ( last XXXX ) Attached documents already send through regular mail XXXX/XXXX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Wells Fargo Mortgage to have my PMI taken off my loan. They sent out an appraiser who though appraised my house low ( I filed for an appeal on the appraisal ) it still qualified for the requirements of the PMI being removed. Then Wells Fargo contacted me stating I needed to produce XXXX dollars worth of structural receipts because they wo n't base the PMI being taken off on the appraisal and this was XXXX XXXX ruling. I contacted XXXX XXXX and they said that was not correct. I can not get Wells Fargo to remove my PMI unless I pay them an extra XXXX or produce structural receipts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian put my first name incorrect and inaccurate.My first name is " XXXX '' but Experian before put XXXX and now XXXX.Because of my incorrect name, inquiries from different companies and other credit information do not add with my Experian credit report.So my credit report generated by Experian is incomplete, inaccurate and no credit score generates.several times I called them to fix it but they said, they could not able to fix my first name.when any company is getting credit report from Experian, because of incomplete report, they are refusing my credit or permit, license.Recently Massachusetts state Lottery Commission declined my Lottery agent application because of incomplete Experian credit report. while other XXXX Bureau like XXXX and XXXX are generating correct report and updated scores, they have my correct first name and all information.If other XXXX bureau have my correct name why Experian can not able to do! I do not need inaccurate and incomplete credit report because inaccurate report misleading the inquiry companies, they are misunderstanding about my credit performance.By law Experian have to use my accurate personal information because they are doing business using my credit report but Experian is refusing to fix my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt can not possibly be mine. During the times that this company is reporting " Date Opened '' and " Date of Status '' I was XXXX in support of XXXX to both the XXXX XXXX XXXX at XXXX XXXX California and XXXX XXXX. I have disputed this account in the past and received no results. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: At issue is a XXXX account from XXXX. The debt collection company, Stellar Recovery, is attempting to collect a debt that was never owed, and illegally trying to do so. 

The XXXX account in question was closed in XXXX or XXXX of XXXX and all equipment was returned to the local XXXX office. XXXX billed me for the equipment in XXXX XXXX, and I contacted XXXX to deal with it ( proving that I had returned the equipment ) to put the issue behind me, or so I had thought. 

Stellar Recovery must have bought this " claim '' against me in the past year because I started receiving an overwhelming amount of calls from them at all hours of the day. I told them that there was no claim here, but they continued to contact me until I told them to no longer contact me. 

I, again, thought this was behind me. I was checking my credit report today and notice that there is an unpaid collection that was filed in XXXX of XXXX by Stellar Recovery in the amount that they assert. Note, that even if Stellar Recovery had a valid claim, it was no longer legally enforceable because the Tennessee statute of Limitations had run its course ( limit of 6 years that runs from when the demand could have been made ). 

This is outrageous and unacceptable. Stellar Recovery is attempting to strongarm me into paying a debt that I never owed based on what is a clerical error at best, and an outright lie at worst. Moreover, as a company that specializes in debt collection, they are well aware of statutes of limitation, it is my contention that they are intentionally misrepresenting the collectability of the debt to the credit bureaus, and that the report should be removed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America. {$36000.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call that left a voice mail message about PFC Number was XXXX XXXX XXXX. In the message they said to look up online aboutPFC.com No indication of who they were looking for, or what the debt was. Checked my credit report and found there is no negative information on it. Also, I have no unpaid debts. 

Does n't sound like a legitimate debt collection agency at all!!!! 

Also I have received no notices for debt collection. Nothing absolutely nothing in writing. 

Made several calls to the number given and always straight to voice mail due to " high call volume '' Seriously? A debt collection agency so busy with people calling in to pay their bills that they ca n't answer the phone? 

This must be a total scam and a fraud. 

This morning I looked up online and there was a local number in the XXXX area code. So I called that and they refused to confirm that they actually knew my name or to tell me what the issue was. I told them to call me back and identify the issue and who they were looking for if they wanted to get it resolved. 

The lady on the phone insisted that I give them personal information over the phone to prove I was the person they were looking for. She said I should call back when I was ready to resolve the issue. Too busy to even call me back? What kind of scam operation is this? 

This is the contact information from the web site : XXXX XXXX : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, CO XXXX CORPORATE OFFICE : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX GENERAL INQUIRIES : LOCAL : ( XXXX ) XXXX TOLL-FREE : ( XXXX ) XXXX IF YOU OWE A BILL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX OFFICE HOURS : Pay a bill in person : Monday - Friday XXXX XXXX - XXXX XXXX Pay a bill over the phone : Monday - Friday XXXX XXXX - XXXX XXXX 

Company response: Company can't verify or dispute the facts in the complaint