AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Information not mine. 
XXXXAccount NumberXXXXAccount TypeUnknownTerms1 MonthDate XXXXXX/XX/XXXXXXXX2015Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection departmentStatus UpdatedXX/XX/XXXXXXXX2015Balance $ XXXXBalance Updated-Credit Limit-Past Due Amount {$100.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, Experian sent me an email after I setup a credit monitoring service provided by the University of California, XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I was notified by XXXX and XXXX XXXX that my private health information had been compromised. 

Experian 's email to me stated that my credit score had recently changed, and that I should visit their website to learn more about the problem When I clicked on the link in the email Experian sent to me, and using the reputation of the Experian brand name, Experian requested that I provide my credit card number for the purpose of " checking my credit ''. Experian then apparently used this information to start a subscription service, beginning in XXXX, 2015, for {$21.00} per month. 

I neither approved, nor intentionally subscribed to Experian service. 

I contacted Experian on XXXX/XXXX/2015, and requested the service be cancelled and two months of " subscription fees '' be refunded. The Experian tracking number for this case is " Dispute and Cancel Membership XXXX 

On XXXX/XXXX/2015, Experian responded to my request via email and declined to refund the previous subscription fees. 

I am therefore filing this complaint. Experian used their brand reputation to start a subscription service that I neither agreed to nor approved. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Jefferson Capital System is a debt collection company that is trying to collect on a debt for XXXX COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes XXXX student XXXX dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Having problems with suntrust bank. Made a deposit including a check and {$500.00} in cash, have the deposit receipt. The amount was credited to the account next day. Week later theyWithdrew the {$500.00} and Said i never made the {$500.00} cash deposit. Requested to see the XXXXThe bank told me it is only for their own use. I think they are trying to cover up their mistake. How do i get my money back? 

Company response: Company chooses not to provide a public response
Consumer complaint: National Recovery Agency. This is a collection account for XXXX, a local utility company. I have been paying a monthly payment amount agreed upon by myself and collection agency for past five months. My credit report does not reflect any payment and indicates " C '' ( collections ) for each of the months I have paid. The payments are directly taken out of my bank account each month and i was told that payments would be reported on time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ditech is trying force me to buy their homeowners insurance. I have sent them proof of insurance a number of times and they keep sending letters threatening to foreclose if i do n't pay for united insurance 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Creditor is not accurately reporting a mortgage debt to the credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: items that was deleted due to proven identity theft have been reinserted onto my credit report for the second time after being transferred back and fourth betweent he same XXXX companies. i also asked in writing for fraud alerts to be removed and they never removed them 

Company response: Company chooses not to provide a public response
Consumer complaint: I gave my notice to the property manger and moved out of a house. The room mates who stayed at the house did not pay rent and were evicted. The owner took them to court and got judgement against them but name is still attached to it - It has killed my already shaky credit. I have a letter from the attorney for the Property Manager stating to take me off of the Judgement and that was given to the superior court. Thank you XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a property from XXXX XXXX in XXXX. I never got a contract from this company. After I paid a large amount of money, using XXXX credit cards, I still had not gotten a contract on the land. I live in XXXX so now I am getting concerned. I contacted XXXX, General Manager, XXXX, Office Manager and XXXX, Finance Manager and requested this contract. I get an immediate email from XXXX that stated that he sold my property, which was {$250.00} per month, last night and that he had others. I asked him for a refund. He stated he gives refunds but since I had been looking at different properties since XXXX with him, this is now XXXX, he would not refund me but would put me in a property with twice the payment or he would hold the money for me until I found something else. I then request my credit cards and Paypal Prepaid card to refund me based on this is a scam and fraud and I never had a contract. My XXXX XXXX gave me the money within two days. Paypal told me twice that they had the money, it had been refunded by the merchant and it would be refunded by XXXX and today, XXXX I get an email they will not be giving me my money because I authorized the transaction! I am willing to file a police report because I do n't even know if this is a legitimate company at this point!! I call the dispute department with Paypal and I can not speak to anyone and I get people from XXXX who tell me I am getting my money but the email says the opposite. I have spoke with an attorney who clearly sees this as fraud and I was well within my federal protected time frame for right of recession which I still am because there is no contract!! XXXX law is to have a contract notarized as well but the point is XXXX sold the ground I purchased AFTER I paid for it so I would NEVER have paid for this had I known he sold the ground to someone else that he sold to me!!! I NEVER RECEIVED ANYTHING FOR THIS MONEY OTHER THAN A CREDIT!! I do n't want to do business with this man as he is obviously fraudulent and a scammer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received {$29.00} annual service fee for a credit card I do not use. I did not receive any emails or mail in regards to this fee and it went unpaid for two months. The moment I checked my account and saw the late payment I paid it the same day. I called Bank of America and an associate said after a payment is posted to my account I can call back and get the derogatory mark on my credit report reversed and removed. After the payment posted I called back and an associate said I can not reverse the derogatory that now shows up on my credit report. Now I lost XXXX points on on my credit score for a charge I did n't know occurred on a card I do n't use. I immediately cancelled the card because paying my late annual service fee did not help me on a card I do n't use. 

Company response: Company chooses not to provide a public response
Consumer complaint: On numerous occasions during XX/XX/2015 Diner Club Credit card hastaken an inordinate amount of time to post the monthly balance pay-off to our account. Generally waiting until after the duedate has past. When Customer Service was query more than3 time during XX/XX/2015, Service personal gave the preverbal the Post Office must be to blame. The demonstrative facts are quitedifferent ... 
Twice document, XX/XX/XXXX and XX/XX/XXXX, on the day the payment was due, and 15minutes before close of their business day ( PDT ), Diner Clubclaimed the payment was not yet received, yet XXXX ( EDT ) thefollowing day the payment was not only received by Diners, but posted to the account, and had cleared our checking account the nightbefore. As you can image this must be magic, how during theirbusiness day they have no real time information, but our check canarrive, be processed, posted to our account and miraculously clearour checking account, the night before. Sounds like very sloppyaccounting work flow and at the very least poor customer service. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a current customer of the North Carolina State Credit Union. I have my checking account and a savings account with SECU located in XXXX XXXX North Carolina. 
I have direct deposit of my Social Security Disability check being deposited into my checking account each month. I recently closed a checking account due to it being compromised and opened a new account for direct deposit. The old account was closed on XXXX XXXX. XXXX XXXX XXXX SECU allowed a unauthorized debit from a business in the amount of XXXX to be debited from the closed account. There were no funds in the account and the account was closed. I did not authorize this debit nor did I have any knowledge of a bill from this company. 
I went into the branch and was informed that SECU allowed this debit on a closed account. This has put my account XXXX XXXX on hold. 
My sole income is XXXX a month from Social Security disability. I am a disabled person on a fixed monthly income and because of this fraudulent transaction I am in need of help with this matter, This has left me with no means to support myself or my children. I had no knowledge that SECU would allow a debit on a closed account. 
Please contact me I need help with this matter. 
XXXX XXXX XXXX XXXX nc XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My wife and I wrote a check to our daycare provider from our joint BofA checking account. BofA refused to honor the check for fraud purposes, even though the account has never been subject to fraud claims before. BofA called prior to dishonoring the check and left a strange message. Due to other bank frauds, where scammers pretend to dial card and accountholders to phish account details, neither my wife nor I answered and instead called the bank directly when we had free time later that day. During that call, BofA said that we had called too late and they were dishonoring the check and we would have to write a new one. 

Due to this, my daycare provider had to pay a {$12.00} fee to their bank. My wife and I have covered the fee and sought compensation for the issue from BofA. BofA has refused, despite the fact that the fee was due to their dishonoring a validly issued check and the company 's overly sensitive risk practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: Not only am I paying an unreasonable interest rate, but, I requested months ago that my payment be moved from the first of the month to the end of the month. I even sent in a form requesting this in writing, this was never done. Since that time, I have been charged late fees and DAILY simple interest. This has inflated the principal owed to an unmanageable level. I have paid faithfully on this vehicle for five years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Am being sued. No prior notification or proof of debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Last year I shopped at Brooks Brothers in XXXX premium outlet. A store staff introduced me the club card. I told him that I do not want credit card. He told me it is only club card. I gave him my XXXX credit card for payment. After I went back to XXXX, I realize that payment was not made on my credit card. Later I received brooks brokers credit card bill. I went me XXXX, XXXX and XXXX, but none of the bank in XXXX can help me to make the payment. 3 month later, I finally got chance to go to XXXX premium outlet again, but store staff in brooks brother told me that they can not make sure the account came up on their system is mine. I made {$100.00} payment to try. Next statement I received, it shows the {$100.00} payment. However, I was too busy to go there again in a few months. A friend told me that I can make payment in a US post office. So I told one working day off to the States again to make the payment by mail with exact amount owing. However, before they received my payment, {$16.00} interest has occurred again. Till then I have made about {$120.00} payment just in interest. 2 month ago, I received new statement with about {$30.00} balance. Today I 'm in XXXX XXXX, I went to brooks brothers in XXXX, store staff can not look up my account, so they called for me, and figured my balance is {$100.00} including late fee. I never had chance to see the fine print of the credit card, but I never heard late fee on credit card but interest before. They could n't help me to make payment in XXXX XXXX premium outlet, but told me that I should be able to do that in XXXX palace. I went to brooks brothers store in XXXX, they ca n't pull up my account neither. If I mail the payment, I bet new interest will come out, and new late fees. This is fraud now. I called them, and they do n't want to help me. Please help me sort it out. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account that displays incorrect information due to identity theft. I submitted an Identity Theft Affidavit to have the information blocked and this has not happened and is negatively impacting my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied a loan modification from BOA. I was involved in the class action lawsuit and received a check in 2013 from this action. My home is presently being sold as a short sale. My question is has the class action lawsuit for those who were denied loan modifications completely settled or is this issue still pending? If it is still pending who do I need to contact? Thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on XXXX/XXXX/15 i went to the regions bank XXXX, ga XXXX to cash a {$100.00} check drawn on their bank. they insisted on charging me a 2 % fee ... if this check was drawn on another banking institution, i can see them charging a fee. i just think it 's plain wrong to have to pay a fee to the bank the check is drawn on. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account XXXX has shown up on my credit report after no response to my request for more information on the validity of this debt amount, date of original delinquency, or any information indicating that this is mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015 I refinanced my home through XXXX Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by XXXX XXXX Loan Servicing Division. The first payment was due XXXX/XXXX/15 and XXXX serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even XXXX XXXX account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to Specialized Loan Servicing ( SLS ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company SLS, the {$83000.00} has been suspiciously attached to my account again. On top of all this, SLS now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at XXXX or XXXX, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from XXXX XXXX to show the suspicious addition and deletion of the {$83000.00}. Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I refinanced my home through Cash Call Mortgage Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by Impac Mortgage Loan Servicing Division. The first payment was due XXXX/XXXX/15 and Impac serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even Impac Mortgage account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to XXXX XXXX XXXX ( XXXX ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company XXXX, the {$83000.00} has been suspiciously attached to my account again. On top of all this, XXXX now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at Cash Call or Impac, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from Impac Mortgage to show the suspicious addition and deletion of the {$83000.00}, Thank You. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Account Name Original Creditor Open Date Status BalanceXXXX-XXXX XXXX XXXX XXXX XXXX XXXX, 2011 Open $ XXXXType Description Additional InformationOwnership I have no knowledge of this account. N/AXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital. 

Company response: Company chooses not to provide a public response
Consumer complaint: They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Collection agency charging interst rate on judgement 

Company response: Company chooses not to provide a public response