AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: As a judgment against me, case # XXXX out of XXXX XXXX XXXX XXXX, is listed, but lists the account status as " Unknown. '' I have been denied housing and utilities on more than one occasion in past due to this record being inaccurate. As a public record, anyone can see that the debt has been satisfied, paid in full, in XXXX of 2012. As it seems that the credit reporting agencies do n't have the time to investigate what they report, I would appreciate the help in urging them to do so. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 XXXX XXXX walk into BB & T in XXXX Tennessee, she with drawer XXXX from the bank. She ask for a refund on our account and ask for the account to be closed. The teller told her, she would checking to it. No one had called. We assume the account was closed. In XXXX XXXX, we found out the account was not closed, and because I am on my uncle account, BB & T withdrawer XXXX from my uncle account. After try to explain to BB & T that we wanted our account closed and no one should have had access to the account. They said their is nothing they can do. It all bank fee, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I signed up for a XXXX Secured account ( paid {$300.00} ) but was n't made aware of the {$35.00} annual fee so when I got the 1st bill, I called the bank rep who sold me this product and cancelled the card because I NEVER sign up for cards w/annual fees. I did charge {$58.00} so I asked for my {$240.00} in writing on XX/XX/2015 and have yet so receive it even after attorney letters went to them. They did send XXXX cks ; XXXX for {$120.00} and the other {$55.00} but those cks add up to {$170.00} and were not cashed. So where is my full {$240.00}? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have ( XXXX ) credit card entries from XXXX XXXX that I have no knowledge of. After applying for an auto loan a few months ago I discovered the inaccurate listings. I disputed them with the credit bureaus and they came back verified. I sent a certified letter to XXXX XXXX requesting an investigation. It has been over 45 days and I have not received anything back from XXXX XXXX. No signed contract, itemization of charges or any relevant or sufficient proof that gives them the right to collect on this debt or damage my credit rating. Under the FCRA and FDCPA this negligence is a clear violation. They being the original creditor have to right to verify anything but to only investigate my claim. Without proper records to indicate these accounts were indeed open by me by law they can not report the info to the credit bureaus. the following accounts are fraudulent. Account # XXXX with a balance of {$690.00} opened XXXX and Account # XXXX with a balance of {$570.00} opened XXXX/XXXX/11. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sirs and Madams Arvest Bank, Arvest mortgage is now saying that there is other funds of {$2000.00} in complaint XXXX as a response. But before they did not mention any of those funds at all from Insurance claim, a Claim of funds in anyway you look at it are funds to be used for the purpose of repairing my Homestead. So I 'm a little confused of you sending me the funds to my name as shown in that case XXXX let me get this straight I 'm behind on monthly mortgage payments and you are so kind to give me a check {$2000.00} ( DOES THAT MAKE ANY SENSE ) I will not commit fraud by me cashing that check as I see those your intentions those funds belong to General contractor and mathematics are {$87000.00} + $ XXXX $ XXXX of course Arvest Bank, Arvest Mortgage do as they wish I guess changing Mathematics as well, I will continue to due the correct and the lawful thing which is put VOID in that check as it does not belong to me. Where ever those funds are at this time your guess is as good as mine but XXXX XXXX does NOT have those checks. In reference General Contractor Contract which you have all XXXX XXXX with my signature with XXXX XXXX with a notary stamp on it. If you did not agree with contract you have you should have gotten a revised Contract from XXXX XXXX. But instead you gave him a check for the amount of {$19000.00} at this time XXXX XXXX XXXX tells me that is a legal binding of Contract with Arvest Bank, Arvest Mortgage, Central Mortgage and myself XXXX XXXX. You have received a 100 % completion of his work by your choice of Inspections and till this date you keep saying that the checks have been distributed but at the end of the day XXXX XXXX has only received {$19000.00} plus {$10000.00}. You can dispute all you want as well as your Mathematics skills. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose my XXXX XXXX XXXX father passes away XXXX XXXX House XXXX down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX Bank, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a XXXX mortgage with XXXX or XXXX and Ditech is the servicer of the loan. According to HAMP website, XXXX, XXXX, and Ditech website, if you have a XXXX mortgage that was modified ( my XXXX mortgage is with XXXX and was modified in 2011 ), then your XXXX mortgage will be modified. However, I called Ditech and they said that they do n't offered XXXX modification only if my XXXX and XXXX mortgage is with them. They refuse to look in to the matter or my case. Therefore, I want to file a formal complaint against Ditech and XXXX for not servicing my loan properly and by government compliance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Caller named XXXX XXXX called my employment. When I called him back he immediately raised his voice and started yelling at me and arguing with me. He would not give me any information as to what type of debt he collecting. I told him that he was not allowed to call me at my employment and he continued to argue with me in a very violent harassing manner. He hung up on me and then immediately called me back to " prove a point '' is what he said. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bank of America assessed a fee for monthly maintenance ( {$12.00} ), without ever properly noticing me of the changes in the terms of my account. I had been a customer with no fees on a checking account since 2009. I would have happily avoided the fee by maintaining a minimum balance or a direct deposit. In fact, I transferred money out of the account, which would have avoided the fee, but I did n't know these new conditions applied. I pleaded with Bank of America to waive the fee due to the lack of notice, without any luck. Instead, Bank of America will lose my business for {$12.00}! 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and a confirmation email. In XXXX I was told by Plaza Home Mortgage that I had cancelled my payment on XXXX/XXXX/16 XXXX. I did not cancel this payment. ( I find the time and the date of the cancellation very interesting. ) I received no confirmation number or any confirmation email that this payment was cancelled. Plaza home mortgage also states they tried to contact me to tell me of the cancellation. Plaza Home Mortgage called me on XXXX/XXXX/16 at XXXX and I returned the call on XXXX/XXXX/16 but there was no mention of the payment being cancelled by the Plaza Home Mortgage Customer Service Representative. There was no other phone call or correspondence from Plaza Home Mortgage regarding this cancellation. There was no way that I could have known this payment had been cancelled. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I took out a loan with Advance America in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or XXXX XXXX and XXXX XXXX has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted Advance America and found out {$310.00} was all I owed and that they ( Advance America ) sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed Advance America {$310.00}. I would like to pay my debt of {$310.00} to Advance America directly. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Received XXXX emails from AmeriSave Mortgage Corporation thanking me for financing a home loan with them. I do not have a home loan with AmeriSave or any other institution. I am concerned that this may be a fraudulent attack on my credit rating or an attempt at identity theft. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In A Befitting Manner And With A Humble Submission Would Like To Inform you that we " XXXX & XXXX XXXX '' are the customers of Wells Fargo Bank since XXXX till date.We have Bussiness, crown checking ( XXXX ), Safe deposts vault ( XXXX ) and more than anything we have PRIME EQUITY LINE AND HOME EQUITY LINE OF CREDITS WITH THEM. SINCE WE BORROW THIS MONEY FROM THE BANK IT NEVER HAPPENED THAT WE MISSED ANY PAYMENT, NEVER HAPPENED THAT WE MADE UNDER PAYMENT FROM THE MENTIONED AMOUNT INSTEAD WE ALWAYS PAY MORE TO REDUCE THE PRINCIPAL. 
WE PAY ONLINE ALWAYS FROM OUR CHEQUING ACCOUNT. WE MADE AN APPEAL TO THE BANK, '' SAYING INSTEAD OF MAKING XXXX PAYMENTS FOR THE SAME BANK, SAME CUSTOMERS PLEASE MERGE THESE XXXX ACCOUNTS IN XXXX SO THAT WE CAN MAKE XXXX PAYMENT WITH A FIXED RATE OF 30 YEARS INTEREST. NO MATTER WHAT IS OUR CURRENT INCOME, WHAT WILL BE OUR FUTURE INCOME AND WHAT WAS OUR PASSED INCOME BANK DOES NOT NEED TO BE WORRY, WORRIED OR WOULD BE WORRY FOR ITS PAYMENTS. 
AFTER SUBMITTING ALL THE DOCUMENTS THEY HAVE TURNED OUR REQUEST DOWN SAYING SINCE IT IS A NEW APPLICATION WHICH IS NEITHER A DEBT CONCILIDATION ACCOUNT NOR ANYTHING ELSE IN THAT NATURE EXCEPT THE MERGING OF XXXX ACTIVE LINE OF CREDITS ACCOUNTS WHER ALL REMAING PARAMETERS ARE THE SAME.TO US WE STONGLY BELIEVE THAT THE DECISION WAS NOT TAKEN IN A PROPER WAY THE WAY IT SUPPOSED TO BE.WE ARE VERY PROUD THAT WE IARE IN BANK 'S VERY GOOD CUSTOMERS LIST. BUT WHERE IS REWARD OF BEING LOYAL? WE BELIEVE THAT THIS APPEAL HAS NOTHING TO DO WITH OUR INCOME, CURRENT PRICE OF THE HOUSE OR ANY OTHER THINGS IN OUR OPINIONS AS LONG AS BANK IS GETTING ITS PAYMENT. 
WE WOULD HIGHLY APPRECIATE WITH YOUR HELP IF WE CAN HAVE THIS PRIVELLIAGE OF HAVING THESE XXXX ACCOUNTS IN XXXX WILL BE A GREAT VICTORY FOR US AND IN THE LONG RUN WE BELIEVE THAT THE NEW SINGLE LOAN WILL BE PAID OFF MUCH MORE FASTER AND WILL ALSO BE ABLE TO SAVE MONEY. 
THANKING YOU IN ADVANCE FOR YOUR COOPERATION & UNDERSTANDING SINCERELY XXXX ; XXXX XXXX XXXX XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My XX/XX/XXXX mortgage payment was returned to me. My mortgage lender, XXXX XXXX, had switched servicing companies from Loan Care to XXXX XXXX but had failed to inform me of the new loan account number via mail. I was told by the XXXX XXXX customer service rep to change the account number and resend the payment. I told them I would send it electronically through my bank 's bill pay system as always since I was close to the overdue date and they did not object. I made the change to my bill-pay account on my bank website and resent the payment again. That payment was delivered on XXXX XXXX and confirmed delivered by my bank. XXXX XXXX contacted me saying I had not sent the payment in, claiming to have no record of it. They also informed me at that time that they do not accept electronic payments. I called the bank, XXXX XXXX XXXX, and they told me that the payment went to Loan Care with the new loan account number since that was the original setup for that bill pay account. Instead of returning that payment as they did the first time, Loan Care accepted the payment. I called XXXX XXXX XXXX for help and they called Loan Care directly, conferencing me into the call. The Loan Care representative claimed they had no record of the payment and were not the least bit courteous or helpful. Now XXXX XXXX is threatening my credit rating ( which is over XXXX ) if I do n't make the XX/XX/XXXX payment, even though they are directly responsible for the errors and I have done nothing but make repeated attempts to pay my mortgage as I have always done. 

Reviewing multiple websites I see that Loan Care is widely involved in these types of issues and my fear is that the longer this is dragged out the less likely it is that I will ever see my missing mortgage payment again. This is money I can ill afford to lose! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My current balance is currently : {$540.00} The account is showing that my balance is currently : {$1400.00}, which is highly incorrect. I am requesting this account be investigated or the account be validated | verified. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: we had a balloon loan that matured, citimortgage threatened forclosure and would not work with us or refinance at all, they wanted our house and said they 'd get it. so only option left was a bancruptcy that included the entirety of matured balloon loan balance in XX/XX/XXXX, case was discharged in XX/XX/XXXX, never missed a payment and everything agreed to in court and allowed was paid to the full. XX/XX/XXXX I get a bill from Citimortgage for XXXX dollars instead of the deed to my house. where did they make up this fraudulent loan? I have no idea, but apparently this is their M.O. and they do it all the time. After months of paperwork and haggling, i hired a lawyer which sent all the necessary paperwork to handle this matter and lo and behold Citimortgage pulls another fast one and sells the fraudulent loan to outside company known as XXXX, who now is threatening to forclose on the loan they acquired from Citi. It is ILLEGAL!!! to attempt to collect a debt that has been either paid which mine was or discharged in a bancruptcy. Double jeopardy or what, Citimortgage told me they would get me no matter what and now my lawyer ca n't even get the third party company to communicate with her, even though they have a 3rd party authorization. These people are tant amount to organized crime and just keep asking for more or threaten to foreclose. These laws are supposed to protect us from XXXX companies like Citimortgage, taking advantage of those who do what 's right, follow the law, and pay every payment on agreed payment schedule. Someone must make Citimortgage play by the rules or pay themselves, can anyone make them live up to their end of the mortgage agreement since I have fulfillled mine. I want the deed to my house! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I received my XX/XX/XXXX Macy 's statement and the only charge on the card was a purchase I did not make. I did n't even recognize the location ( I live in XXXX and the purchase was made in XXXX, XXXX XXXX. I spent over 35 minutes on the phone on XXXX/XXXX/XXXX trying to report the fraud and close my account. In spite of that effort, I received a new card in the mail the following week. Then my XX/XX/XXXX statement arrived in the mail, and the fraudulent purchase had been transferred to the new account along with a late fee and interest charge. I called again on XXXX/XXXX/XXXX and this time it took me over an hour to speak with XXXX different people in an effort to resolve this issue. I was told I would receive paperwork in the mail within 10 business days that needed to be signed and returned, but as of today, XXXX/XXXX/XXXX, I have not received anything. I also asked about the late fee and interest charge, and I was told that would take 2-3 billing cycles to resolve. I mentioned my concern that this would negatively impact my credit, but I was told there was nothing that could be done. On XXXX/XXXX/XXXX I paid the fraudulent charge, interest and late fee in full. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a new cell number. Apparently the previous user owed money to someone. A collection agency has called from at least XXXX XXXX XXXX XXXX different numbers. I have told them I am not the person they are trying to collect from, they say they will take the number out of their system, or do not even have it in their system. Then I get more calls. They are either incompenent or liars. They are Southwest credit, the calls are from XXXX XXXX, NJ The calls come from : XXXX XXXX XXXX or XXXX ; XXXX XXXX XXXX or XXXX ) ; or XXXX ( XXXX or XXXX ) 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Bank stated that their policy when executing a trustee transfer for a Health Savings Account is to close all accounts despite explicit instructions from the account holder to transfer a specific amount of money that is less than the full balance of the account to the stated trustee. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: TransUnion TransUnion 's profile photo XXXX This site/email wants {$1.00} for 7 days then XXXX a month. 
should I try experian for a FREE report 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Citibank Student Loans- They do not provide any information on how long I have left to make payments on my loan. The loan details only show me the original amount of the loan, the current payoff amount, my interest rate, and my monthly payment amount. There is nothing I can find as to how many months/years I will be making these payments until I have the loans paid off. I even tried calling to speak to someone ( which every time I hit " 0 '' it said that was not an option and just kept repeating my next payment due date ). There is not even a way for me to view any actual statements online and I do not receive any in the mail. My address is up to date. They make it very difficult to get information, and find details about how I can get the loans paid and when. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You MUST By law and the settlement remove the following my Bankruptcy and all accounts in the Bankruptcy. 
I have sent over XXXX letters and they have been ignored. 
XXXX Settlement reached in XXXX FCRA class action by : XXXX XXXX. XXXX Last week, plaintiffs in a Fair Credit Reporting Act class action against XXXX sought preliminary approval from a Virginia federal court of a settlement reached by the parties. 
The foundation of the plaintiffs ' claims involves alleged incorrect reporting of Virginia state court judgments against individuals. Specifically, that, in its consumer reports, XXXX lists judgments as unpaid, even though its records do not contain information on the current status of those judgments. The plaintiffs claim that this is in violation of a credit reporting agency 's duty to follow reasonable procedures to assure maximum possible accuracy of information contained in a report. 
According to the motion, the parties have litigated for over five years ( one of the two cases was initially filed in XXXX, and one was filed just this year ), stretching through discovery and into " extensive motion practice, '' including class certification. The parties entered into mediation, which reportedly ended in the proffered settlement. 
Under the settlement, XXXX will pay {$3.00} XXXX into a settlement fund for class members " who are most likely to have suffered credit injury, '' remove Virginia General District Courts judgments from the credit files of all persons ( class members or not ) for a period of no less than five years and provide to all class members four years of XXXX credit monitoring services or {$180.00} in cash. Any class members who believe they suffered actual damages as the result of an inaccurate report containing a Virginia General District Court judgment can reserve claims for those actual damages. 
Public Information Bankruptcy XXXX Experian XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XXXX/XXXX/XXXX Reference # : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : XXXX Court : US BKPT CT VA XXXX Liability : XXXX Exempt Amount : XXXX Remarks : 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response