AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My brother and I applied for a home mortgage as first time buyers wit BOA this year. We intended to put 20 % down for a home costing {$150000.00}. Our combined salaries are $ XXXX. We were declined based on my bother not having enough trade accounts and because my debt to credit ratio was too high. Here is where the incompetence becomes egregious. BOA did not include any of the credit accounts my brother indeed possessed on the loan application, so it appears as he had no credit history and the credit card omitted was a BOA card ( and the other was a cell phone bill, both having more than the year of required payment histories )! For me, I told both the mortgage officer and his immediate supervisor that all of my credit cards were paid done to reflect 25 % of the total credit for each which cost me about {$9000.00}. I paid the cards on Monday. Yet, BOA then went ahead and pulled my credit report again on Tuesday, then declined the loan on Wednesday and said there was no change in my credit debt ratios and that my report only showed a {$24.00} reduction in balances. Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. I was also charged the {$450.00} for the home appraisal to be done. When I asked the mortgage officer about this he told me that there was no way I could have been charged when the appraisal had not taken place. I sent him a copy of the charge and got no response from him until he sent the e-mail informing us of the loan denial. I was also able to log into the BOA mortgage section and noticed that many of the documents that we submitted had not been uploaded into the system as if they had no record of our submissions just before the denial It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report and actually included my brother 's trade accounts on the application. The e-mail informing is we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism. 

Company response: Company chooses not to provide a public response
Consumer complaint: I set up a settlement agreement with NFCU and they told me upon completion of my settlement arrangement that they would remove it OR report it as a XXXX balance settled for less than the amount owed on my credit report. They removed the trade line from my XXXX report completely but they have simply lessened the amount owed after I paid them and not closed the account and removed it OR reported it as a {$0.00} balance to XXXX or XXXX as promised in my settlement agreement with them. The balance should either be {$0.00} or they should remove it completely to the other credit reporting agencies as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2007 I applied for what I thought was a home equity loan to do repairs on my home. I originally applied f or the loan through Wachovia Bank. Later Wells Fargo took over all the Wachovia accounts. Later, I found out the loan I received was not a home equity loan, but a home equity line of credit with compounding interest. I have made payments on the home equity line of credit loan with an outrageous rate, and I owe the same amount of money I originally borrowed in 2007!. For the last 8 years I have been trying to work with Wells Fargo, and combine my home mortgage, and home equity line of credit into XXXX conventional home mortgage loan with a reasonable interest rate, however Wells Fargo refuses to do it. I have excellent credit, have paid the loan diligently, never late, and the value of my home exceeds the amount of the mortgage and the home equity loan. I am almost XXXX years old on a fixed income, and I ca n't believe Wells Fargo will not work with me. I am not asking for a handout I have a reasonable request. Wells Fargo wrote me a letter essentially telling me to let my mortgage lapse and default on the loan. I have never, and will never NOT pay my bills. I am desperate for help. Is there anything you can do to help me? 

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 out with credit acceptation and I 'm being harass at XXXX to XXXX to XXXX at night i work XXXX and my boss told them she can not have personal phone calls unless their family issues .so the call any ways so he wrote them and had me signed it but we did n't make copies we just mail it off that no phone calls at work.now my loan is XXXX i been paying XXXX now a month came and i call to tell a manager i would be short i had XXXX he applied you have been in good status so theirs nothing he can do unless I 'm behind so i went paid the XXXX and i have all receipt so i stop paying XXXX and went back paying XXXX and now they telling me I 'm behind and adding late charges like no torrmow and calling all through the morning evening nights at work in bed in the shower I 'm getting a lady calling me threating me i got on a plan where i told them i will pay but i got laid off but i will pay them on the XXXX each month for {$410.00} and they get mad and angry so XXXX continue maying {$410.00} and this month on the XXXX i paid {$500.00} again and the bug me and bug me with private numbers and personal numbers and block numbers all times of mornings and evening and nights and recent today twice yesterday twice. Please help I 'm still paying just hard some time but I 'm still paying and now i have been ignore all calls but i pay faithful thanks, and on time i walk in all the time and i have all paper work. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i was out in XXXX my card was used fraud, the cc company rebilled everything and said my claim was denied. There was merchandise that was delivered to largo fl i never lived there and its proof these are fraud the investigator failed to investigaor and violated my rights under the FCBA 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I also have not received ANY response to the debt validation letter that I sent them. They just stay on my credit report without validating the debt with me and keep verifying with the credit bureau the unvalidated debt. This appears to be illegal collection tactics to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter rom Experian National Consumer Assistance Center, XXXX XXXX, XXXX TX, telling me that the address on my credit report had been changed, on the strength of an erroneous address supplied by a company that checked my credit after I had purposely lifted a security freeze so that company could do so. As the attached letter to Experian shows, my address has remained the same, regardless of erroneous information accepted by Experian. My credit report also shows that I am " known as XXXX XXXX XXXX and XXXX XXXX XXXX, '' though my correct name is, as I have always reported, XXXX XXXX XXXX. At no time do I use an alias, and I find offensive the concept that Experian accepts erroneous information and lists it as if it were official. Having this information on my credit report may leave me open to charges of misrepresentation, or to financial fraud committed against me, such as identity theft. I demand that Experian correct my name and address on my credit report, and eliminate these alternate versions of my name that could be construed as aliases. It is a shame, and it should be a crime, for a credit reporting service to change a consumer 's personal information because of a potential creditor 's errors, so as to potentially damage the consumer 's reputation or expose him to criminal activity. People working office jobs for creditors make errors carelessly, and these should not be cause for altering personal information supplied by a consumer in good faith. Why should a credit reporting service be allowed to alter a consumer 's personal information on a credit report, based on a creditor 's office worker 's mistakes? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that midland is still reporting the derogatory information. Per Case number : XXXX XXXX claims that they are reporting the information that it receives. This does not appear to be the case as these items are still appearing on my credit report. Please see the cases that were previously filed and have midland removed from my credit report as they claim they already requested the credit bureaus to do. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We represent XXXX and XXXX XXXX. Despite being provided on multiple occasions with insurance information, XXXX XXXX XXXX has continually refused to bill the XXXX ' medical insurance company, and now their automobile insurance company, for bills that resulted from an automobile accident. It has assigned these accounts to XXXX different collection agencies, the most recent being XXXX XXXX XXXX and Patient Account Services, both of XXXX, Florida. Further, despite instructions to the contrary, these collection agencies have refused to cease communication with our clients and to communicate with us, the law firm. As recently as today, XXXX XXXX, 2016, Patient Account Services contacted our clients via telephone. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is ignoring my requests to investigate, verify and remove an account from my credit report that does not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Just signed up for a new credit card for a second optional card for both myself and husband. It was Bank of America, XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it, Bank of America says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards, plus they want the {$150.00} again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: New Century Financial services, with XXXX has put a default judgement against me in a civil part court, for a debt I have daub is even mine, they levy my bank account money and my motor vehicle writ to take away, I 'm sure that I do n't owe any debt to them and they are harassing by doing so, I need help! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been added to a credit card account that I did not request to be added to nor did the person whose account it was request I be added to. I am now a joint owner of another persons credit card account when all I did was apply for new credit. I spoke with US Bank Manager XXXX XXXX Employee # XXXX and he said there is nothing he could do to resolve the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to use an ATM at the branch located on XXXX XXXX XXXX. in XXXX, AL. The ATM had an error message which stated that there were n't any transactions available. I returned to the branch and requested that the bank cash a check. They refused to do so an indicated that it was a transaction which they were refusing to all consumers and that they would n't allow anyone to take cash but only make deposits. I asked how long the policy would remain in effect and she indicated that it was as a result of computer issues. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing you again for the XXXX time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together XXXX the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, XXXX and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my XXXX 2008 bankruptcy and submit accurate account data to the XXXX credit bureaus. This is my third and final request. Legal action will be taken XXXX the FCRA. 

*They have also removed the account from my report in the past, but added it back after a few months. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Once I told them that chartity suppose to took care the bills they was very rude they will be hearing from my lawyer ASAP if everybody else was paid off why they still calling. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank issued a credit card product for XXXX XXXX. In the card agreement it says, " ... bonus award night exclusively for card members ... '', " enjoy all these benefits after paying {$75.00} annual fee. " I did pay the annual fee for the card and now they are removing the benefit after I 've paid it. 

Company response: Company chooses not to provide a public response
Consumer complaint: It 's been several months since I contacted all XXXX credit reporting agencies. I made disputes on a credit card that was used when I was in Training for the XXXX XXXX. I sent them several copies to prove my identity, a copy of ID and SS # with a copy of letter showing my name and mailing address. There was a credit card maxed out when I was training, the card is from XXXX XXXX. I also sent a Police Report showing that it was reported and the XXXX XXXX credit card covered the charges. This several delinquincies are still affecting my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I opened another Wells Fargo account to be able to cash a grant check to be issued later from XXXX University, as Wells Fargo issued my grant check before with XXXX University, I assume all higher education uses this bank. I opened my bank account with # XXXX, under the assumption that the fraud alert I placed with Wells Fargo was complete & I was issued my money back because Wells Fargo never paid XXXX which was on my credit report until I filed various complaint with FTC, CFPB & FCC. Today I received my debit card & could n't activate it. After calling to see why I was told I owe the bank. I just left the bank & was told by the teller my account is open, but when she tried activating my card she saw a stop on my account & that it was closed. XXXX XXXX States they never received payment & closed my contract which destroyed my credit & now Wells Fargo is issuing another report to credit bureaus about my account their own fraud department issued a credit & found fault on their end & now is claiming that the credit was denied after I was allowed to close my account. I was told at the bank to call another number to get things straightened out & when I called this XXXX number the woman stated same thing without correcting my account & she was in the claims department & wanted me to call another claims number to make Wells Fargo more pay per call & click/impression money! So this is why I am filing complaint again, which is to investigate Wells Fargo & XXXX XXXX banking tactics if you will? Because I just opened an account Monday with {$100.00} & have been lied to again & ripped off! 

Thank you! 

From : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, N.C. XXXX 

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, I received a call from Zenco Collects at XXXX. He stated that I owed money and he was calling to collect. I told him that I was working in the field and I would call him back. He said no, I was n't taking him seriously, He said that he had our vehicle licenses and if I did not pay he would be issuing a warrant for our arrest. I stated that I needed to call my wife, he started yelling and said no, I had to pay up now or he would be garnishing my wages, and he would also be contacting the IRS and have my income tax return for the next 5 years. They said that they would be seizing our vehicles and other property. I panicked and at first agreed to pay, when I talked with my wife she stated that what they did was illegal and that number is associated to a scam. I called back and told XXXX XXXX not to take any money out of my account. I have no idea if that if this a valid debt or not, but this well exceeds the statue of limitations in the state of Texas. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am still waiting for the documents I requested. 

See attachment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX % equity in my home and have been paying my mortgage on time every month for the last 3 years. Wells Fargo is not allowing me to petition for PMI removal without jumping through arbitrary hoops that they have created and are not consistent with XXXX XXXX requirements as an investor. I would like to ask that you hold Wells Fargo to a level of accountability. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I received notification from my mortage compnay that my note was sold. I recieved information on new servicing company and promptly updated my " billpay info '' at my bank. Set up payment for XXXX to be recvd by mortgage svcr on XXXX, due date XXXX. 
-On XXXX, I received correspondence from new mortgage servicing company indicating my original note required EFT payments. I called the servicer to confirm the information. At that time the representative did NOT mention I was " Past Due ''. 
- On XXXX, I called servicer with questions with their form, the representative was NOT able to answer my question. ( What my monthly payment is ). Did NOT mention I was " PAST DUE ''. 

For 1 week hence, every day I received calls from BSI, " attempting to collect a debt ''. 

- On XXXX XXXX, I received correspondence again, this time stating I was " PAST DUE '' for my XXXX payment. I confirmed with my bank the bill pay was sent on the XXXX for XXXX receipt. I contacted BSI to inquire where the disconnect was, the representative confirmed receipt of payment on XXXX. 
- On XXXX, XXXX I received a telephone call that I was able to take as I was off from work that day, from BSI, wanting to know how I would like to pay my past due bill. I escalated the call and recounted my story to XXXX, Supervisor- advised she and BSI need to revamp their training and make sure they are not calling to harass customers who have paid their bills. 
- On XXXX, AGAIN received correspondence from BSI, dated. XXXX, stating my " PAST DUE '' amount. PAID on EARLY on XXXX. 

This HARASSING communication from a company that I did NOT chose to do business with, is completely and totally OUT OF BOUNDS and illegal! I want BSI sanctioned for this behavior, from not XXXX, XXXX or even XXXX employees ... this seems to be a pattern with this company. 

PLEASE MAKE THEM STOP!, If they are doing this to me, I can imagine they are doing this to unsuspecting individuals out there in the population. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My student loan, about a year ago, got switched to a new company. Ever since, it has been nothing but stress and problems. I prefer making payments online, a year later and their online payment system still does n't work. Every time I call no one seems to know how to resolve that issue, instead they talk you into auto payments, BUT you can only set that up for 12 months at a time. I asked if they would send a reminder when that auto payments will expire, the associate swore up and down they would notify me via email. Not only did I not receive notification at all, I have not received one email from this company, ever. I have called numerous times requesting confirmation emails for when my payment is made ( because I get them from my other XXXX student loans ), the associate resets my email and verifies it every single time, still no email. Every time I call I have to be transferred numerous times until I get the correct department. There is total lack of communication, problem solving, organization, efficiency, structure, and professionalism etc. My auto payment does not go through the same day every month, which it is supposed to. According to them if the person is n't there to run the payment, it does n't go through. I do n't know how a credit service can run a company like this. I also, did not receive any information from them for filing taxes, as I did from all my other loans. Lastly, to sign into the online payment they ask for a client account number and have a link " how do I find my client account number '' showing where it would be provided, and it is no where to be found. They do not provide you that account number anywhere. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I continue contacting Experian about a address on XXXX XXXX on my credit file, asking to be remove. The address is not mine its assoicate with my relative with the same first and last name. Experian would'nt remove the address. I upload a copy of my Id, social security card, and copy of a bill, as told by Experian. Now Experian refusing to remove the address at XXXX XXXX. I 've called multiplies time. Still no result. Im trying to aviod my Identity from being used. I apply a fraud alert. 

Company response: Company chooses not to provide a public response