AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian has failed to cease reporting the inaccurate information on my credit report. I have filed numerous disputes, notified the creditors, and hired a credit agency to assist me to no avail. 
1. XXXX XXXX XX/XX/XXXX is being reported by Experian as charged off, this is not my debt. 
2. XXXX XXXX XX/XX/XXXX is being reported by Experian as charged off, Potentially, negative this is not my debt. 
3. XXXX XXXX. is reporting Potentially late, this is not potentially correct 4. Inquiries on my report were unauthorized : XXXX XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid an advance payment of {$500.00}. just to pay down my balance, then noticed that it said pmtonhold. I called them and they said they do this to protect themselves from my bank rescinding the payment. They hold the payment for 7 days. I said this had not been done ever, and was not acceptable. I paid it down so I would have credit available for other things. They said this might be done for 3 to 6 months before it would be off my record. This started when I inadvertently paid {$1000.00} pmt twice by accident, but my bank caught it. Said they would recall it from Barclay. I had accidentally paid it on XX/XX/XXXX & XX/XX/XXXX. I 've talked to everyone, but they say once it goes into their system, it ca n't be reversed & they ca n't tell me how long it will remain on my account. I pay a payment 2 or 3 or 4 times monthly so that I keep my balance down and have more credit to use. I want my points. 
This is NOT SATISFACTORY to me. I am human and made an honest mistake. 
They say they ca n't rely on my bank not to recall another pmt. so they are protecting themselves. I ca n't send them {$1000.00} so they will hold it 7 days before I can use it. I told them I thought this was illegal. 
Please help me get this hold removed off my account Thank you/ XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The Fair Credit Billing Act 15 U.S.C. NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) and ( Ohio administrative Code 5160-2-07.17 Hospital Care Assistance Program ) Hospital Care Assistance Program sub section 2.5 FAQ 2.2a and 7.2, Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Here is the list of account s belowMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and AssociatesXXXX XXXX XXXX, OHIO XXXXRE : ( Accounts OHMSF/ TRAMAONE XXXX, XXXX, XXXX, XXXXThese accounts was covered under the Ohio Department of XXXX and they reported these accounts to XXXX, XXXX, XXXX , They have listed these accounts multiple times making the debt appear larger than what is owed on all XXXX reporting credit agencies, I disputed them during the past 90 days and they refuse to remove these bills that was paid under the ohio department of XXXX, I also sent this compliant to the Ohio Hospitals Associations, and XXXX Hospital , and XXXX hospital becuase they violated Ohio Hippa Laws for the hospital assistance program XXXX and XXXX the billing work was misdirected to credit collection agencies after it was written off and all of the workers in the billing departments for both hospitals was to forward the paperwork to both drivers insurance companies and to the hospitals billing department before HCAP was applied, i was a victim of a car crash of which i was the passenger this caused me to loose work for 4 years, I am on the verge of borrowing money to sue them and the agencies becuase the agencies are letting them publish this at my expense becuase they pay monies for their services. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have applied for a short sale with Bank of America. They keep closing my file and make me start all over with the process due to missing paperwork and no paperwork is missing. Time is of the essence and this needs to be handled by a competent person. Five months has already been wasted waiting on Bank of America. I try to call the phone numbers that they have provided and I keep getting disconnected by their automated system. 

Company response: Company chooses not to provide a public response
Consumer complaint: I need relief from mortgage insurance on my current loan. I refinanced my home several years back under President Obamas HARP program. My mortgage company at the time was Greentree and the PMI would be removed in XX/XX/XXXX. I contacted my current service provider Ditrech and was told this cant be removed until XX/XX/XXXX. I am not clear for the reasons for this, but I need this resolved as I have had a severe reduction in income since XXXX due to illness and XXXX and am looking at a forced early retirement due to this condition. it is a strain on me to pay for co pays and medicine and to pay an extra {$200.00} + per month on a house payment that has not been late in almost 10 years of payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A man called USAA Banking services pretending to be me. He did n't not know my user name, my USAA number or my phone password yet USAA " validated '' his identity by asking questions about my credit card, information he obviously already possessed. Once " validated '', USAA allowed him, over the phone, to change my on-line password, on-line pin, on-line security questions and my debit card ATM pin. To make matters worse, USAA " reminded '' him of my USAA number which now allowed him access to my on-line account and this allowed him to transfer {$4900.00} from my savings to my checking. To add insult to injury, USAA approved him to withdraw {$4500.00} in cash from an ATM machine ( he withdrew XXXX {$500.00} withdrawals ). The negligence involved here is criminal! USAA has no concept of security. As soon as this person did n't know my phone password he should have been hung up on! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage was with Greentree Servicing and recently changed to Ditech Financial LLC I received a letter from the foreclosure attorney XXXX XXXX XXXX stating they were going to foreclose on my property XX/XX/XXXX the letter is dated XX/XX/XXXX and the sale is set for less than thirty days. I understand by Law I 'm suppose to a receive a 30 day notice before the sale was set. I submitted a modification request and financials to Green Tree Servicing several times they have been unwilling to work with me, and now I have a new mortgage company Dietech. I want to keep my house, please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XXXX XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. ( COI ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XXXX XXXX, 2015 and completed their investigation on XXXX XXXX, 2015. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it may concern, thank you for taking the time looking at my case. this fraudulent information that was reported to all credit services really cripple me as a consumer and my credit score I never was late with payment to XXXX this account was paid in full and all equipment was returned on time to them by ups in the mean time the way they place their XXXX on my roof they made halls and damage to my wall every month that I was getting a bill it was different we me and my wife had to be on the phone talking to XXXX for hours the inconvenience the damage to my credit report I will sue for damages and they had the right to get their atty with XXXX to put me in collection of course also they were removed conveniently from all credit bureaus because there was perfect record they should be ashamed what cable and phone companies do to consumers I like to see results like removing this XXXX from my credit report and something should be done about co. like this. and I have filled a report with all credit bureaus but nothing was done Thank you for your time and help in resolving this matter XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan modification thru Bank of America. The loan gradually increases in ( ARM ) until it is supposed to cap out at 4.5 % per the original loan documents. I have contact BofA numerous times, they are now sending me documents saying that the loan caps at 5 %. I have called them and asked them to correct this. They say I am right, it will cap out at 4.5 %, but yet they continue to send me documents and charge me amounts different than what my loan documents say my principal and interest is. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called in to Bank of America on XX/XX/XXXX to get my balance and lo and behold it did not accept my telephone numbers, land which is XXXX for over 18 years nor my cell which XXXX for 5 or 6 years. Why because they had let some one change my phone # to a number no where near my ID numbers. Why they could tell me. This scares me, this is second time I had an issue with Bank of America. When I was working on the road between different states, they told me they had not turned my check request in and I needed to order them again, meanwhile, they send out the XXXX order, which was stolen and I had the same checks in California. I had fly XXXX and change everything and go back work. How can Bank do these things without authorization? I am furious. Please advise. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is on my credit report but I never received any information on it 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a short sale with CitiMortgage. Everything has been approved except for the purchase price. The licensed INTERIOR value by a local XXXX appraiser who went out to the property was XXXX. CitiMortgage 's employees in XXXX pulled computer comps and are demanding XXXX with no doubt the outstanding balance in mind ( not fair market ). Short Sale Lenders are to use the actually licensed Appraisal, but CitiMortgage is taking it upon themselves top use their own computer comps. They even told me..no one was supposed to tell you that bank ordered value. 

Company response: Company chooses not to provide a public response
Consumer complaint: After many attempts to modify the mortgage on my home that was set to balloon I was forced to follow Bank of America 's advice and to short sale my home. 
My home has been listed since XXXX 2015. I received a purchase offer on XXXX XXXX, 2015 and submitted the offer to Bank of America. Two months into the process, with all documents submitted, appraisals complete, I was only waiting on Bank of America 's response. Bank of America abruptly closed my short sale file on XXXX XXXX, 2015 because they stated, there was a field missing my agent 's license number on the Bank of America Short Sale addendum. Instead of communicating this problem with me, Bank of America closed my file and told me I had to start the process, that already took two months over again. We just completed resubmitting all of the documents and I received a letter stating that Bank of America sold my loan to XXXX XXXX XXXX and I will have to start this process over a third time once this loan is transferred in two weeks. I believe Bank of America closed my short sale file because they knew they were selling my loan. Instead of allowing me to take advantage of the XXXX short sale that we were approved for and that they advised me to do, they sold our loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: We sold our home. During the closing process, our title attorney requested, and received, a payoff letter from Suntrust Mortgage. On receiving this letter, he noted that there was a typo in the through date provided at the start of the letter, but not in the terms listed at the bottom. Given the nature of the transaction, he verified with Suntrust that the payoff amount was correct and the typo would not effect the closing of our home. Suntrust Mortgage assured him that the payoff amount stated in their letter was correct and nothing would hold up the closing of our home. Our attorney verified this on at least 3 occasions, and so we proceeded with the closing and paid Suntrust in full according to the payoff quote Suntrust had given us. 

The next day, our title attorney contacted us stating that Suntrust was demanding an additional XXXX dollars. As we had been assured on several occasions that the payoff was correct and our attorney seemed unclear on why, exactly, Suntrust was requesting additional money, we called Suntrust Mortgage to speak to a representative about this request. After several hours of back and forth and general confusion, we were told this XXXX discrepancy was due to the typo that we were assured would not be an issue. 

After another few hours of explaining this situation over and over to different reps, all who seemed unable or unwilling to forward us to their legal department to dispute this and, instead, continued to inform us that this money was owed because of a typo that we were fully and excruciatingly aware of at this point, we were informed that Suntrust was very sorry that they had made this mistake no less than 4 times over the period of a month but they are issuing a new payoff quote. 

They have yet to issue a new payoff or, in accordance with their own terms also set forth on the initial payoff quote, refunded the over {$100000.00} paid to them so that we can issue them another check. Until this matter is resolved, we can not close on our new home. 

Company response: Company chooses not to provide a public response
Consumer complaint: ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Experian XXXX is reporting collections and wrongful information on my credit report. 
I was employed at XXXX California from XXXX XXXX till XXXX XXXX. 
I retired from XXXX on XXXX XXXX, on XXXX XXXX XXXX. 
I was not Retired or employed by XXXX XXXX XXXX XXXX of XXXX XXXX in XXXX. 
I was only a volunteer XXXX of Directors. 
Also why Experian.XXXX allowing creditors or companies running my credit without my consent. 
I have over XXXX unauthorize credit inquiries on my Experian.XXXX that are Hard pulls and is destroying my credit scores. 
I have credit scores with Experian.XXXX in the XXXX.l can not obtain any credit to help my daughters education for college tuitions because ExperianXXXX Credit Report and negatives collections and inquiries. 
I have disputed various occasions and Experian XXXX plays hardball. 
I am been Retaliated and Discriminated as a XXXX Veteran. 
I also requested for Experian XXXX to immediately remove and delete the Fraud alerts on my credit reports and they have not deleted as of XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There is a collection listed which is unknown, disputed with no outcome or verification. Please help 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX separate out of the United States traveling vacations my credit card company has declined purchases with my credit card, even though they were verbally told and also giving instructions on their online website that I would be doing so including the dates and the countries. I am currently in XXXX and advised the credit card company before leaving of my dates when I would leave when I would return and while I am here they declined my credit card and re-issued another credit card to be sent to my home address in the United States. Since I am still on the XXXX vacation, and they invalidated the credit card I can not use it and it becomes useless to me. I found them and told them I was still in XXXX that they had all the information that I would still be here and basically their answer was sorry I ca n't help you. I have documentation to the fact that I have advised him before about this problem and they said that they would correct it and take care of it yet it seems to me that situation continues and if anything gets worse. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My debit card was stolen and I did n't notice at first ( it was switched out with a fake one ). Whoever then stole it depleted my account from an ATM XXXX miles outside of the city I live in ( I do n't have a car, and even XXXX receipts can verify I was nowhere near this ATM. 

Bank of America initially issued me a temporary credit for the stolen amount but then found the claim was denied, taking the amount back causing me to go negative and now are piling on over draft fees. 

I filed a police report the day this happened, appealed my claim and gave them the police report number so they could pull video footage from the ATM ( which would obviously prove it was n't me ). However they denied that appeal as well and I am stuck with nothing to do and my account being negative. 

I thought about taking legal action but the cost of a lawyer might even be greater than the amount taken. Someone stole my money, Bank of America does n't believe me, and I want to prove that it was n't me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: sOMEONS FROM pHILLIPS COLD CALLED  IN REFERENCE TO MONEY OWED. hE WOULD NOT IDENTIFY HIMSELF OR THE NATURE OF HIS CALL  SO I HUNG UP. tHE NUMBER ON MT cALLER I d WAS XXXX AND THE NAME WAS pHILLIPS. I LOOKED THIS UP ON THE INTER NET AND FOUND THAT THIS COMPANY HAS NUMEROUS COMPLAINTS FILED AGAINST IT. wHY HAS NOTHING BEEN TO STOP pHILLIPS FROM harassing  PEOPLE?
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a payday loan XX/XX/2012 and I did n't pay on it. It took about 2 and a half years for the debt collectors to start not only harassing me but my family as well. They have been very vulgar and very threatening trying anyway possible to get there funds. It 's gone through multiple debt collectors. It comes and goes away for a while. The latest one is they 're going to serve me because I am being sued. Another one is they had called my mom and told her that I 'm being sued for writing bad checks. My Mom is stressed out and so am I with these debt collectors. 

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 my XXXX Mitsubishi Truck was totaled loss andNavy Federal Credit Union financed it and I purchased GAP because theRep ex plainer that my truck if ever loss would be replaced at Bill of SalesValue. The wreck was n't my fault and they took 100 % Liabilty for the XXXX Mitsubishi. 
XXXX NFCU paid XXXX XXXX from XXXX XXXX and willReimbursed from the they 're insurance. XXXX the Claims Repfrom NFCU refused to pay me XXXX. XXXX deductible stating it was included in the XXXX. Despite GAP Claim on NFCU Website they pay up to XXXX & XXXX for replacementvehicle. XXXX also has filed a claim demanding the XXXXGAP Reimbursement from the driver at fault insurance company. 
They refused me another vehicle because of my lowcredit score- that 's not what they 're sales representativeexplained to me XXXX XXXX years ago when I Purchased GAP norWhat they 're NAVY FEDERAL CREDIT UNION WEBSITE STATES. 
I 've been without my truck for a month and they received XXXX plusXXXX.XXXX and I still have my rights violated by NFCU FRAUDULENT SALESPRACTICES AT TIME OF PURCHASE. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Tranunion has been reporting incorrectly on my credit report and when I disputed the mattes the investigations have taken excessive amounts of time to complete. I tried to get a new investigation started and was denied by transunion I explained to them that the accounts did not belong to me but another person living at my home with the same name. The investigation took to long was was not through enough because the results were the same. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I owed a XXXX XXXX XXXX XXXX from XX/XX/XXXX said I agreed to pay XXXX a month I never did that the statues of limitation have run out as of XXXX summons me to court I replied by sending the court the bill the summons and a letter stating did not owe it due to the statues of limitations on new York state is 6 years so they have put a judgement against me 

Company response: Company believes it acted appropriately as authorized by contract or law