AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something TransUnion did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with TransUnion that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just went thought your database and found some very interesting information. Of the XXXX XXXX complaints against BofA over XXXX of them were for Loan Modification, Collection and Foreclosure complaints. Of the ones that listed the consumer complaint they were for strong arm action or action taken without their knowledge. This seems pervasive and and like sever bullying of consumers. I am requesting a formal investigation to be started on this BofA issue. I feel strongly if different levels of employees are questioned with immunity and under penalty of law for lying you will find a lot of illegal and maybe XXXX actions going on at BofA. I personally would volunteer my assistance ( I have a degree in finance ) and have business ownership experience. There is a lot of smoke and evidence here and needs further investigation. These actions caused undue harm to local housing values and local tax revenues. Please feel free to contact me me. 
XXXX XXXXXXXXAlso, your writing box on thes site is not working properly. The person typing cannots see the words typed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed XXXX, XXXX, XXXX, and XXXX totaling {$6000.00} to citibank cashback mastercard against a merchant that debited my account last XXXX 2015. My mom asked the the merchant to credit my account {$6000.00} through email, for the service was under her name. It was approved by the merchant, and we forward the email to mastercard dispute dept. During that time, citibank mastercard conditionally credited {$3000.00} towards my mastercard. Should it have been a total of {$6000.00}? After several weeks, only {$3000.00} was credited to my mastercard. I called mastercard and asked about the other {$3000.00}. Since then mastercard has not given me a clear answer why my account was not credited. XXXX dispute customer agent said that there could have been a mis-coding. What is this mis-coding? I asked several supervisors later and none would tell me. Mis-coding? 
I have been doing all the calling to resolve this problem. I have talked to many supervisors. All have promised to investigate and call me back and not XXXX of them ever returned my call. I have been ignored constantly. I think that citibank mastercard is avoiding my request. Please help me resolve this problem. From the beginning, I have followed all mastercard 's steps and now something is wrong. Mastercard is not being transparent nor have the many dispute supervisors, who promised to call me back, returned my call, emailed me, nor sent a mail. 
My mother emailed the merchant requesting why the company is has not sent {$3000.00} to my credit card. The merchant has not responded yet. It is their policy to credit my Mastercard account only. It does not send money in no other way. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed numerous accounts on my credit reports and they would remove them because they could not be substantiated or the information was wrong. I go back and check it again and they have put them right back on my credit reports. 

One in particular is CASH - one month they state I owe them {$1400.00} - then all the sudden it went to {$140000.00} - I called to dispute and they did remove it but turned around and put it back on their this month! 

Company response: Company chooses not to provide a public response
Consumer complaint: Consumer has tried numerous times to have credit agency to remove or update inaccurate information on report referencing XXXX # XXXXAll payments and equipment was made and/or returned directly to XXXX in XXXX, Kansas therefore this account should have never been reported as derogatory on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband had an account with Sun Trust I cosigned on. We never had XXXX dollars in the account at any point however they have filed something with the court saying I owe them XXXX dollars. First problem never had that much money in the account to withdraw second how did an account he was primary on become solely my account and they put it on my report and have a judgement filed against me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX/XXXX/2013 with a charge off amount of {$98.00} which is not accurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: STILL WAITING FOR THIS INQUIRY FROM XXXX TO BE REMOVED EVEN THOUGH EXPERIAN HAS LETTERS FROM THEM STATING IT WAS AN ERROR ON THEIR PART AND SHOULD NOT HAVE BEEN RUN AGAINST ME, 

Company response: Company chooses not to provide a public response
Consumer complaint: My PayPal account was compromised by someone in XXXX ( I have an email from PayPal in XXXX indicating the addition of a bank account ), who transferred {$480.00} to an account in their control. 

When reported to PayPal as fraud, they issued a refund of the {$480.00} fraudulent charge. 

They later rescinded the refund, and are now trying to collect the sum, and are preventing me from using their service until I re-pay the amount I was defrauded. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed with credit reporting company, but have not yet received a response. 
Financial Credit Network has reported on my credit report for a debt that I paid directly to the creditor. I had never heard of this company and when I saw this on my credit report I told them I paid the creditor directly and never heard from them. They claim to have sent me information ( to a wrong address ) and call me ( they did n't have my phone number correct either ). After I told them I was going to dispute and file complaints, I received a call a few hours later from them stating they could n't find my file on the credit report. I had to provide the woman with more information before she could find it. They refuse to remove themselves from my credit report even though 1 ) I have never owed them anything and 2 ) the debt they claim to have collected was paid directly to the creditor before ever hearing form Financial Credit Network. The only reason I heard from them was to call them to because they are tarnishing my credit report that I have been working diligently to keep clean and rebuild. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have submitted many claims over the past six months regarding an account that appears on my credit history from XXXX XXXX showing a balance of $ 700+ owed. I have contacted them on numerous occasions ( transunion, XXXX, and now today, XXXX ) to explain that I had never opened another account with XXXX XXXX after an issue I had with them back in 2010 where they had charged me XXXX for multiple cash advances and charges made to the card. I never would go back to XXXX XXXX again, this account that shows up is not mine. Recently XXXX called me to explain that the gentleman who 's ACTUAL account it is resides nowhere near me, and his name is nowhere near mine. They immediately removed it off of my account, and removed the hard inquiries during that year period that showed up, that I never made. In fact both XXXX and Transunion were supposed to have a Fraud Hold in place, I 'm not sure how there could be any inquiry or card opened during that period without explicitly contacting me. Either way, after XXXX took care of the incorrect information I reached out to Transunion to do the same, they keep saying they have validated that the account is mine. I have explained to them multiple times that I was not even in the state at this point in time and could not have opened an account, let alone the fact that I was trying to rebuild my credit from the past problem with XXXX XXXX. I just reached out to XXXX as well and still have not received a reply. The information on the XXXX XXXX account has my wrong phone number, my old address, and the purchases were made in a state I was not in during that time. Please help me, I own XXXX businesses since the beginning of the year and the lingering bad credit is hurting my chances of expanding. Thank You! 

Company response: Company chooses not to provide a public response
Consumer complaint: Experien failed to investigate. Had they did a proper investigation they would have realized XXXX XXXX XXXX had broken multiple laws. Instead they chose a short cut three times and updated what public records has stated. This is not a joke, it 's my life, my way of living, providing for my daughter 's and I expect to be treated fairly. Third dispute and they update a foreclosure. These workers are not doing full investigations, they need to understand steps and procedures to follow when a creditor, lender breaks the law. I like to know I would be protected, instead i feel im being treated unfair and onesided. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed my Citibank XXXX XXXX XXXX XXXX in the XX/XX/XXXX. I had no intention of re-applying for this product, but in XX/XX/XXXX, Citibank directly marketed this product to me with the promise of a sign up bonus of XXXX XXXX XXXX points after spending {$2000.00} within the first 3 months. I must stress that they sent marketing materials for this card directly to me and that I did not seek out this product. While I am not an expert on Citi 's policies, in the past, they have had a policy about obtaining a sign up bonus from the same product within 18 months from the date of the bonus being earned. Because I had held this product for at least 2 years and had closed the account more than a year ago, AND because they directly marketed the product to me, I assumed that I was eligible for the sign up bonus. Had Citi 's marketing not been sent directly to me, I would not have applied for this product. After making the minimum spend, the sign-up bonus was never released into my XXXX account I called customer service to inquire and they said that because I had held this product only a year before, that I was ineligible for the sign up bonus. This represents both a significant departure from their previous policy and more importantly, constitutes a false advertisement of this product. 

Company response: Company chooses not to provide a public response
Consumer complaint: I get a regular monthly charge that varies in amount per month. Apparently it is removed from my account on the XXXX or XXXX of the month, but does not show up on my online account statement until the XXXX of the month. The website shows I have money when I check it every morning, so I use some of the money that is " available '' after " pending. '' Bank Of America then charges me overdraft fees for all the amounts that I have used when they backdate the charge. My statement then shows I have money but was charged several overdraft fees for money I was " deceived '' into thinking I had. I do know the charge is coming and sometimes I take the hit on the overdraft fee. I do not expect XXXX overdraft fees I only expect XXXX. 
As per my copy of my " online Bank Statement '' it shows i had funds for the charge on XX/XX/XXXX a purchase for XXXX and available balance was XXXX, they then charged me XXXX overdraft fees when the statement shows I have funds. Makes no sense! 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I received a letter from Wells Fargo stating that they were willing to provide me a modification to avoid foreclosure. I responded to the information requested by Wells Fargo by provided them my financial and employment information. I have submitted documentation to Wells Fargo on over ten ( 10 ) occasions and called Wells Fargo re-entry team over 30 times. Wells Fargo seems satisfied with the financial and employment information that I provided them but Wells Fargo still keep requesting more and more information every time I provided them the information they previously requested. 

It seems like Wells Fargo has a stalling and circular system that is in place to pretend that they are helping, but not help at all. I have provided Wells Fargo sufficient information to make a decision whether or not they want to provide me with a mortgage modification. I have sufficient income for a mortgage modification and pay my mortgage. I will very much like Wells Fargo to make a decision because I do n't see how this wait, hold, and stall process is helping anyone. 
Furthermore, Wells Fargo needs to take its Fiduciary duties seriously and act in Good faith and provide fair dealings with me its customer. I am qualified for a Mortgage Modification. I have provided sufficient information to Wells Fargo to provide me a Mortgage Modification. Wells Fargo seems very unwilling to Modify my mortgage because it is more profitable for Wells Fargo, as a Servicing Agent, to benefit if my property is Foreclose than if Wells Fargo Provide me a Mortgage Modification. 
Wells Fargo need to fulfill its legal Fiduciary duties and provide me and my Family a Mortgage Modification because I am qualified and I have sufficient income to pay my Mortgage if my Mortgage is modified. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX is XXXX years old and not capable of entering into a legally binding contract. I handle his finances for him. All of a sudden his credit score as shown on a credit card statement has dropped XXXX points. I suspected Identity theft and contacted all of the credit bureaus. 
The XXXX XXXX report shows XXXX adverse collection accounts from " REVMD Partners '' with no other information. I have never heard of these people, there has been no collection activity, and no communication of any type from them, written or oral. 
Dad does not owe anyone any money and this is clearly an attempt to XXXX by holding their credit report XXXX. 
We need to protect our XXXX citizens, and in this case an impaired veteran from XXXX. Totally intolerable. 
And I was so upset when I got this information that I was quite upset and awake all night with night sweats. 
These people should not be allowed to do this and instead should be making license plates or pounding big rocks into little rocks, if you know what I mean. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX at XXXX, I recieved a phone call from US Bank at my home phone number. The female caller immediatley asked for me or my wife by first name. Once I stated who I was, she advised me that the call may be recorded. I stated that was fine. The caller then stated that she was calling from US Bank in regards to the lease on the XX/XX/XXXX XXXX " XXXX ''. At which point, she stated that the XXXX payment was five days late. I informed the caller that I was aware and that it was an accidental oversight and that I had just made the payment through my bank 's website about XXXX minutes before she had called. The caller then asked if I knew when US Bank would receive the payment. I informed her that the payment usually takes one business day to post. I mistakenly told the caller that since that was the case the payment would most likely be received tomorrow ( Saturday ). The arrogant response I received from the called was " ugh, well tomorrow is Saturday, so that 's not possible ''. To which I responded, Oh. Sorry that 's right, well then Monday I guess. The caller then stated well if we do n't receive the payment by Monday there will be a late fee attached to the account. I told the woman that would not be an issue. The caller then asked me for a reason that the payment was late. I stated that I had already told her that it was an oversight and that the payment was made. She then continued to ask for a reason. I stated, Ma'am, you called my home at XXXX XXXX on XXXX XXXX. This is the XXXX. I have already stated that the payment was made. The woman continued to request a reason. I stated miss please do n't harass me. I already stated that the payment was made. 

This complaint is not so much about the call itself rather than the demeanor and the timing of the call. A company that is based in the United States and has the name US Bank. Should know better than to make collection calls on a day when the entire country is in mourning. A company named US Bank should know better. These bill collectors have no knowledge of who they are calling. Being a XXXX. It 's beyond inappropriate to have bill collectors calling customers who have never missed a payment at this time and date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep receiving letters from a collection company called Fidelity Creditor Service that I is not mine. Their mailing address is : XXXX XXXX XXXX, XXXX, CA XXXX, amount of bill is {$490.00}, account number is XXXX. 

I have asked them to provide an evidence that is bill is mine but the have not done so. I would like to assure this bill which does not belong to me, does not show on my credit report. 

Best regards, XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been a victim of identity theft. I have an extended fraud alert on my credit report. There have been numerous unauthorized inquiries on my credit report. I mailed letters to each of the creditors that are showing up on my report that I did not authorize but have not received a respons. I contacted Transunion by phone and by mail to dispute the inquiries and they refuse to remove them. These inquiries are affecting my ability to apply for credit. My complaint is with Transunion. Similiar inquires were showing up on XXXX and XXXX was very helpful in removing them right away. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unable to access my experian credit report online. I have a new report number issued XXXX XXXX, 2015 and every time I attempt to view my credit report it gives an error message that they are unable to complete my request due to the number of views associated with that report number. However, the report number is new. I was previously a victim of identity theft and regularly monitor all of my credit reports for suspicious activity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have scheduled automatic payments. The payments are not going through because their system does not process the payments. I have been charged many times a return check fee, and I have to manually make payments.I need full refund on {$20.00} x number of return check fee and the system to process my {$50.00} payment on schedule. The interest of 9.9 % is inhumane, borderline slavery and an embarrassment to all of mankind. XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a complaint XX/XX/XXXX, case # XXXX. I have not heard anything that has happened with my complaint. Since then, I also have new contact information for myself which hopefully I can change when done here. From my original complaint, I never heard anything from Green Tree other than they would look into it. I have since sold my house and had to take out a hard money loan to pay them in full since nobody at GT would talk to me. Again, this all stems from their inability to work with me at all over a year 's time ( please see original complaint submission ). I did pay them in full XX/XX/XXXX. I received the " paid out '' note back from them 3 weeks ago-5 months later! I just recently ran credit on myself and was distraught at discovering that they are still showing a large balance out there with the words " unpaid balance charged off ''!! This is really amazing given the amount of work I went through to pay them in full at closing! I have tried to talk to someone at GT again to no avail. I will contact the credit bureaus to dispute this however the damage to my credit has already been done. I am truly at wits end with this company and not really sure the CFPB is helping in any way. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage was sold to Ditech Mortgage from Greentree which was sold from XXXX which was sold from XXXX and all before Ditech allowed bi-weekly payment only Ditech says they do not allow bi-weekly payment or allow me to sign up for auto pay. I had my bank send them funds Bi-weekly and had to call to have the funds changed to a payment every month. They took funds for the first two payment and then reversed that, and sent me to collections for the amount of the two payments. Unable to reach any one at customer service and unable to make an online payment with a Credit Card. The did not apply the bi-weekly payment to the principal on my account and I do not know where that money went. So by reversing those payments that were applied to my mortgage the last mortgage amount increased. I have never missed a payment and this is very disturbing that a mortgage company will practice these procedures to take advantage of the consumer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Continue to call after I told them not to call any further. I told them to forward any information to the address on file. They also continued to call other people looking for me. 

Company response: Company disputes the facts presented in the complaint