AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter XX/XX/XXXX ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. 

According to FCRA 15 U.S. Code XX/XX/XXXXi sub-paragraph ( a ) ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA 15 U.S. Code XX/XX/XXXXn Sub-paragraph ( a ) 1 ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called customer service on XXXX/XXXX/15 to report an unauthorized transaction to my permanent XXXX visa XXXX prepaid visa card. The transaction was for XXXX from XXXX. I WAS TOLD THAT I WAS CURRENTLY UNABLE TO DISPUTE THE TRANSACTION. THAT I WOULD NEED TO CONTACT THEM IN A WEEK OR SO ONCE THE TRANSACTION HAD CLEARED MY ACCOUNT. THEY ALSO SUGGESTED THAT I BLOCK MY CARD. I STATED THAT I NEEDED TO GO TO THE ATM MACHINE AND REMOVE MY MONEY AND THAT I WOULD CALL BACK ONCE I HAD DONE SO TO BLOCK THE CARD. I ARRIVED AT THE ATM MACHINE TO REMOVE MY FUNDS AND MY CARD HAD BEEN BLOCKED. I PLACED A SECOND CALL AND WAS INFORMED SORRY YOU HAVE NO MONEY WE WILL MAIL YOU A NEW CARD. SO NOT ONLY AM I NOT ABLE TO DISPUTE A FRAUDLENT TRANSACTION BUT I HAVE NO MONEY. I WAS INFORMED BY THE ESCALATION DESK TO GO TO A LOCAL CHURCH FOR MONEY OR FOOD AND TO PUT GAS IN MY CAR OR TO BARROW FROM A TRUSTED FRIEND, OR GO TO A CHECK CASHING PLACE. SO HOW CAN THEY BLOCK MY CARD FOR FRAUD IF THEY WONT ALLOW ME TO DISPUTE THE TRANSACTION TILL THE FRAUDULANT PEOPLE ALREADY HAVE MY MONEY. THEN THE FRAUD PROCESS TAKES 14 BUSINESS DAYS AND NO GUARENTEE THAT THEY WILL RULE IN MY FAVOR OR GIVE MY MONEY BACK. 

Company response: Company chooses not to provide a public response
Consumer complaint: My identify was stolen XXXX XXXX/XXXX/15 and a person emptied my bank account as well as opened a charge card backed by XXXX XXXX/XXXX XXXX XXXX. I would like the hard pull/credit inquiry removed please. 

Company response: Company chooses not to provide a public response
Consumer complaint: Summary : 1 ) My loan payment be transferred again and again and very difficulty for me to pay ; XXXX ) XXXX XXXX and XXXX gave different statement and no way for me to pay through XXXX. Detail : I closed my home in XXXX with Pulte Mortgage LLC with a 15 year fixed interest rate and I paid to this company and my mortgage payment be transferred to XXXX XXXX in XXXX and I kept my payment through it with an amount of XXXX ; On the XXXX, I got letter from XXXX XXXX that they will not accept my payment by XXXX and my payment transferred to XXXX ( the web is XXXX ) .I tried many times to enroll through XXXX since I got this letter and I could n't because my loan information is not on XXXX system yet.Until XXXX I enrolled and I could n't pay my XXXX payment, XXXX customer said my information on their system since XXXX and I need to pay for the payment through phone. I talked to this same person for more than 5 times for I ca n't log-in to pay and I was told there is one week gray period. With big argue XXXX waivered the charge for me to pay through phone. XXXX, I got the letter from XXXX XXXX that start from XXXX my new payment amount is {$1000.00}, and XXXX mailed me same amount payment statement. I tried to log-in XXXX web to change the original {$1000.00} and I could n't log-in XXXX web system and I called XXXX customer and I was hold online for more than 1 hour with very rude customer : XXXX and no solution and XXXX told me : 1 ) call back late ; 2 ) the new payment amount is {$1100.00}. I called Pulte Mortgage LLC, XXXX XXXX and my home county to check what 's the reason for all this troubles and my mortgage kept on transfer and so difficulty with check for my payment. I got refund from my insurance company of {$21.00} recently, and XXXX XXXX said my payment should be {$1000.00}, and the escrow balance is {$400.00} to XXXX ; County said my tax will no change. With this PHH is very frustrated and I doubt they control the online system and people ca n't manage the online auto-pay system then they will charge the fee or made the customer late pay or missed payment with the very serious consequence ; XXXX phone system said their office hour is XXXX and nobody answered the phone after XXXX on regular office time. With a long time on the phone XXXX customer not only very rude by increasing the voice but also told me : it is Monday! I asked her does that is her answer for customer and she put me on holding for more than 25 minutes to wait for the specialist to help me log-in and nobody 'sow-up ', and told me the payment date is XXXX and I have enough time. I told her NO because I spend more than 20 days to get XXXX mortgage paid and I do n't want to miss the XXXX payment and be charged for fee through their phone payment system and she was so mad with very rude tone to talk to me. I told her the mail from XXXX said my payment is {$1000.00} but she said that is not right and she said she talked to tax person. I had to stop the more than 75 minutes phone without any conclusion. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage is running 30 days behind. I 've emailed asking someone to contact me to discuss a deferral of that one payment. I 've told them precisely the times I 'm available ( XXXX XXXX or XXXX XXXX ). " XXXX '' continues to call my cell phone, immediately followed by a call to my place of employment outside of those time slots and numerous times a week. This morning, XXXX XXXX, 2013, I paid my XX/XX/XXXX payment. Meaning my XX/XX/XXXX payment was due on XX/XX/XXXX. At XXXX XXXX, I received a " XXXX 's '' regular calls on both the cell and then office line. Her message was in a very nasty tone telling me that I needed to call her IMMEDIATELY. Why? At this point, I 'm 2 days late on my payment! I have now sent them a 3rd message through my online account making a complaint. But they seem to ignore this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: With this reporting agency the Tax Lien has expired according to trans union this case will not be resolved due to the fact of their policies, but why other agencies like XXXX and XXXX had removed the tax lien report from their list, all XXXX agencies operate under the same policies and compliance and also the merchants whom consult with tax lien removal will constantly send me mail which is very annoying. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I started out with Landhome Financial Services about 2 months ago The agent`s name is XXXX XXXX and the complaint is about this individual. He was referred to me by the owner of the property. The owner is also the buyer and the real estate agent for this property. His name is XXXX XXXX. At the very beginning XXXX relayed to XXXX XXXX that I can only qualify for XXXX This was not relayed to me. XXXX kept dragging the situation never telling us whether we would qualify for the loan which is held at XXXX. and also never telling me that we would not qualify. Next I was suggested that I should find another job which I did but had to resign after 2 weeks as the job was not on par with my qualifications i.e. the job entailed me XXXX 5.5 hrs for 4 nights a week. I am a XXXX and our XXXX is very much restricted to at most 9 hrs per week. This coupled with a XXXX and being in XXXX I had to resign. I was grilled by XXXX and XXXX as to why I resigned when they were so close to closing. XXXX XXXX advised me to find another job and quit after securing the loan which is a fraud. I have to apply for a job in the academic market which has its own timing so I refused to look for a job and wait until the academic market opens up again. 
XXXX and XXXX also informed me that the property needed some repairs and such should be included in the loan amount which then makes it a XXXX. XXXX called his agents to make an appraisal and came up with this price. I objected to this and told XXXX that I do not want to pay a larger tax and interest and I would rather pay for the repairs out of pocket which I never received any bills for. In addition I received an email from my lawyer in XXXX that notified me of a deed as per a land sale. Under legitimate conditions the translation is done via the XXXX XXXX XXXX in XXXX XXXX via sworn translators who have the permit to operate in the US. XXXX got this translated via google translation which naturally came out as a nonsensical set of words that have no legitimacy. I was in the process accused of lying as well. 
XXXX XXXX also allowed us to stay in the property until the loan is closed as we were lead to believe that this would close. Now the interim contract is about to expire and the purchase contract which is signed is also about to expire. We are also told by XXXX that he advised XXXX to list this home after all to be sold in the market rather than selling this to us. I dismissed him from this job but now XXXX is still interfering with the process. I also have the emails from XXXX asking us to leave his property right now. This is the type of greed that collapsed the housing market in the U.S. I am not sure if the loan officers and the real estate agents are scrutinized. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a loan with an interest rate 10 % I had a shoulder injury and was out of work for two months. So. I called citi started a loan mod it was excepted with a new payment of XXXX with a 3 month trail payment. Then 1 1/2 year later the called me and asked for another loan mod. I did n't understand why but still making my payment of XXXX. Then 6 months a go they sent me a letter that lowered my payment to XXXX due to over payment in escrow. Now the say that I 'm XXXX pass due that 's not the case. I 'm now trying to get them to tell me how 's been cashing my checks. That in line with Fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: IC System has refused to acknowledge my debt validation letter. I mailed it certified on XXXX/XXXX/16. I do not owe this purported debt. I am attaching a debt validation letter and proof that I do not owe this debt. By law they are required to respond to my validation letter. Once they go through the validation processs, they will see that I do not owe this debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This XXXX refinance transaction is troubling. First of all, I specifically told the lender that I would like to refinance my payoff balance. Then I had a processor negotiating how much to refinance based off what I thought I owed US Bank. She first put {$94000.00} as I was n't sure. Then she put {$87000.00} when my payoff was around {$86000.00}. I do not understand. 

Another issue is that I had an escrow shortage of {$1100.00}, so I made an additional payment into escrow in the amount of {$1100.00}. I was advised last week by the processor that I would not need to bring any monies to closing. Then a closing manager contacted me on Friday telling me that I need to bring over {$1900.00} to closing. She also says my payoff has increased to over {$88000.00}. I do not understand. She told me that if I did n't agree, we would n't close until next year. I agreed as I would n't consent to this tactic. My loan officer was out of the office on XXXX XXXX. My closing was anticipated for XXXX XXXX. 

I find something unethical about this transaction. First of all, they waited until the last moment to drop the final number to pay. Why would I need to pay when I paid the escrow shortage? They also increased my interest rate from XXXX to 5 % to including my closing costs. I feel as if I 'm getting ripped off. 

The amount financed should not be negotiable. I 'm not requesting extra money. It seems as if the lender is trying to increase the amount finance and loan costs. 

Could you please investigate this transaction? I will attempt to obtain the documents I received last week showing the new numbers and the amount they are requiring. 

I also filed a complaint with the XXXX program requesting an investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed XXXX act # XXXX with experian several times. I have received a deletion letter from XXXX stating that they are no longer reporting this account on my credit and supplied it to experian. However, experian ignored the receipt of supporting documentation and instead of deleting this account as instructed they have WRONGFULLY update this account to show balance XXXX ... I never had this balance with credit card..I mailed in anther dispute with supporting documentation and got a response that account was updated instead of it being DELETED. Then I called, and representative stated they already investigated once and will NOT redispute again! I was instructed to use their website for faster results however their site is unresponsive!!!!!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a forbearance with my initial mortgage company. At the end of the forbearance my loan was sold to XXXX. XXXX XXXX asked me to continue with my old payments and did not send me coupons for the amount due at the end of the forbearance. I had paid for about a year and they did n't credit me with the last XXXX payments which were as they said the wrong amount - but kept the money in a holding account. They then refused to accept payments from me and have begun a foreclosure on me. They refuse to work with me in any way. Since then I have lost my job, but am able to make the payment going forward. They claim I owe {$22000.00} back payments. I assert they are acted in bad faith and did not follow the terms of the contract when they assumed the loan. I have further filed papers through their system twice which insist on their format and have been denied twice. I do not have a lawyer to sue them or contact them which is the only way they take calls. I am now being forced to file Chapter XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i PURCHASED A XXXX MATTRESS SET AND THE XXXX XXXX THAT COVERS THE TOP MATTRESS RUNS TO THE CENTER OF THE MATTRESS. a XXXX AND XXXX YEAR OLD HAD SLEPT THIS BED 2 WEEKS AFTER IT WAS PURCHASED FROM USA LIVING. THEY WENT BANKRUPT AND SAID I HAVE TO PAY FOR IT. i NOTIFIED THEM RIGHT AWAY AND THEY CLOSED THE STORE AND DONE NOTHING. i WANT CREDIT FOR THE SET AND I TOLD THEM COME AND GET THEIR ITEMS RIGHT THEN. STORE CLOSED IN LESS THAN 3 WEEKS AFTER THE PURCHASE AND IT TOOK ME UNTIL XXXX FOR SOME ONE TO CONTACT ME ABOUT THIS. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was putting my information in to Experian for my free review. Once I submitted the information the site stated that they had a technical issues and for me to exit the site. I was n't given the chance to review the results later or through the mail. Even though it was an error on their side, because I attempted to get the results I have to wait a year for the free report again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For the last 6- 8 months I have struggled with Bloomingdale 's credit card online system to access my account. They created a new system that locked me out of my account for around 6 weeks and I received late fees as a result. After submitting a complaint a few months later prior to me barely using the card, only to buy something in XXXX of their stores, my number was stolen and fraudulent charges was put on my account in XXXX. I was notified and they cancelled the card. The cancellation of the card / account stopped me from accessing my account until today, sending me XXXX replacement cards and opening a fraud investigation they never provided me with the statement that were need to complete the investigations. While I have been locked out with no access to statements, they continued to take automatic payments from my checking account on the fraudulent charges and not giving me the ability to cancel the automatic payments or refunding me the money. I was told no moneys will be refunded until the investigation was completed, there is also no documentation of the automatic payment made on the fraudulent charge except on my bank statement. I am beyond disgusted that they have continued to deny me my basic rights to my account and have continued to hold my money hostage under the circumstance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even mine? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo close my account due to the filing of a cfpb complaint. Keep funds and did not disclose terms. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal. 

Company response: Company chooses not to provide a public response
Consumer complaint: As part of our regular monthly payment, we have included additional money towards principal pay down. From XXXX to XXXX, besides our normal monthly payment, we have sent {$150.00} specified towards additional principal. However, in the Bank of America statement, the {$150.00} does n't get applied toward principal, instead it gets categorized under " unapplied funds '', then used to reduce our monthly payment. If this is the case, then Bank of America is not applying the {$150.00} towards our principal pay down. We are not aware of any loan terms that say we ca n't make payments towards principal pay down. 

Company response: Company chooses not to provide a public response
Consumer complaint: For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across Experian, XXXX, that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all XXXX did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off my CitiMortgage loan then they took {$40.00} of my escrow account refund without any notification, justification, or permission. I have made three attempts by phone to get this issue rectified without success. 

Company response: Company chooses not to provide a public response