AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received my EXPERIAN & XXXX credit report and discovered that XXXX XXXX Delaware, hadhad unlawfully without my written authorization fraudulently viewed my creditreport on XXXX/XXXX/2015 in violation of FCRA. I did not authorize any employee of this comp. 
to review my report. This conduct is in violation of my privacy Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: The following closed accounts are negatively effecting my credi score. I am requesting to have the following removed from my credit report : XXXX, XXXX XXXX XXXX -- XXXX, XXXX -- XXXX, XXXX -- XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made numerous attempts after paying off the debt over two years ago to the original creditor to get ProCollect to stop their debt collection practices. When I have called, a XXXX XXXX gets on the phone and he is very rude. He argues, but never actually gets around to the point. He insists that not only did I have to pay the original creditor, but also I should have to pay him. I have been trying to get this resolved for weeks. I get nowhere and it 's affecting my ability to purchase a home, damaging my credit, costing me money in terms of interest rate and causing the transaction to be more complex. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a trial loan modification on XXXX XXXX, 2015 with my XXXX trial period payments ( TPP ) scheduled for XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The amount of each payment is $ XXXXXXXXI made the XXXX XXXX payment of {$1800.00} by calling BoA customer service over the telephone using the funds from my XXXX account on XXXX XXXX, 2015. The transaction was completed the same day as the money was taken out of my account and deposited with BoA and I was given credit for the XXXX TPP payment of $ XXXXXXXXI called on XXXX XXXX, 2015 to BoA Customer Service to make the XXXX TPP ofof {$1800.00} using the funds available in my XXXX account. The transaction was completed. However, BoA made XXXX transactions instead of XXXX and attempted to withdraw {$1800.00} on XXXX occassions totalling {$7300.00}. Our account is overdrawn and XXXX charged us {$34.00} each for the transactions for non-sufficient funds as only XXXX payment of {$1800.00} was accepted. Also, we have written XXXX checks for water, telephone and gas that will be returned because the account is overdrawn. Upon calling BoA Customer Service on XXXX XXXX, BoA representatives said that there was nothing that they can do and that BoA might send a check for {$5500.00} within 10 business days. However, we ca n't wait XXXX business days as our utility companies may interrupt service by then. Also, we need to get reimbursed for the {$34.00} overdrawn NSF fees that will total {$200.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX + Card from Citi XXXX was got debited by {$140.00} this was debited XXXX XXXX XXXX as an description. I have never requested for this product not received the product from this vendor. I have inform the Citi for the same. they have assured me that the necessary action will be taken by them. After two month in XXXX again the amount got debited to me which was reversed by Citi. although my account was closed by Citi in the XXXX 2015 only, still they are charging late payment and overdue interest to that account. I am getting harassment mails from citi for payment for a transaction which i have not done. Being a valued customer of citi i have requested them since last 4 month to look into that but all vain. also they are not providing me POD details that i have received that product from vendor. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage loan was transferred to Specialized Loan Servicing in XXXX, 2015. I had an auto payment set up with the previous company that SLS took over. I wanted to switch checking accounts for payment and initially contacted SLS in XX/XX/XXXX. The customer service rep told me it was done. I should confirm that no payment was made in XX/XX/XXXX and if it was, I should call again. 

Well, payment was withdrawn from my old checking account in XX/XX/XXXX. I called SLS and repeated the process. Even though the SLS service rep confirmed the change was made and I received a confirmation letter stating the change was made, funds continue to be withdrawn from my old account. This has happened every month for the last XXXX months. I have written XXXX letters to complain on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. 

A response letter dated XXXX/XXXX/15 requested my bank statements showing payments drafted to SLS and stated " we have found no errors ''. I attached a copy of the cancelled check with the XXXX/XXXX/15 letter. I did not wish to provide my entire bank statement since I do not trust this company with my personal finance information. 

For XX/XX/XXXX and XX/XX/XXXX, SLS received double payments, one from my old bank and another from an electronic payment from my new bank. The extra payments sit in suspense and did not go towards paying down my principal. Even though I asked for a refund of the extra payment on XXXX/XXXX/15 when it first happened, no refund has been issued. SLS should have all the information they need to cancel my ACH as requested and not continue to withdraw funds against my explicit non-consent. This constitutes fraud. They are holding my funds for no services. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am responding to a letter I received from Experian. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they think my letter is suspicious. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Prior to sending in my letter, I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute and included all information necessary. 
I need to know what made my letter " suspicious '' and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. 
I would like Experian to respond to my letter the same way they would if I called them by phone or disputed something online ; I just want them to permit me the right to have my accounts properly investigated for inaccuracies and errors. 

Company response: Company chooses not to provide a public response
Consumer complaint: i bought a house in XXXX XXXX thru XXXX with pmi to be canceled in 5 yrs. citi group took it over in XXXX of XXXX 3 weeks after I bought appraisal was {$420000.00} I paid {$330000.00} and borrowed {$290000.00}, citi jerked us around playing with escrow for three years its fixed XXXX. for 30 years. I reached my 80 % to original purchase price several months ago I now owe {$260000.00} I asked a year ago for pmi cancellation was told they would keep it on the entire length of the loan. XXXX XXXX automatic payment had a typo they called us we corrected it immediately I asked again for cancellation they said they were going to show XXXX XXXX late and I couldnot cancel if they had of honored ambro my original loaners XXXX part of the citi group XXXX it would have cancelled in XXXX of XXXX ive not been late in the entire loan time and would like to get pmi cancelled they are playing very dirty they said now it would be home value as of today not the original loan price can you help? ive paid pmi since XXXX XXXX never late they said they seen the typo and would not show it late because we sent in that day the required amount help please. thank you XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has refused to resolve large financial discrepancies in my mortgage account, they 've refused to process a legitimate HAMP request, altered the loan documents after I signed and sent them in, and after I became insistent that they resolve the issues they put the condo into Foreclosure status without notifying me and sold it at auction despite knowing I had not been notified ( as verified by USPS records ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America reported me 30 days late on my home equity loan on XXXX/XXXX/2015. 
I no longer receive statements from them as they wanted to go paperless and rely on the information on the on-line payments section which as of today XXXX/XXXX/2015 tells me that my next payment is due XXXX/XXXX/2015. No mention of a past due ... .no contact from anyone regarding a past due. The old format of the on line payment page would disclose that information. 

I want this 30 day removed from my credit report at all all XXXX bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: A bank account I had opened with XXXX BANK over 10 years ago had reported on my credit that I owe them {$300.00} and the account has now gone into collections and has been reported on my credit. I have never received any bills, payment options, a fee schedule, or ANY type of notice that I owed this money, or that it was in any way outstanding. I check my credit once a year, and considering this account was closed over 10 years ago, I think it 's ludicrous I 'm just seeing it on my credit now, and as " in collections ''. I was NEVER notified that I owed this money, or that I had occurred any fees. I still even have the card in my possession. I believe the bank is committing fraud toward this account, because i was NEVER notified in writing of owing anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have a mortgage loan with a XXXX lien on the property. I got behind on XXXX loans. My house is now currently being rented by tenants and when I called to make my final payment on the house I was informed the home had been sold. Bank of America has not filed anything within XXXX County to indicate a foreclosure and I was never informed it was in foreclosure. I even went to the County Clerk 's office as well as checked online for any transfer of deed and found nothing but a Release. I owe less than {$5000.00} on both loans and the house is valued at around $ XXXX {$150000.00}. A XXXX XXXX called me on XXXX XXXX to inform me she would look into the matter and I have n't heard from her since. I 've left several phone calls with no answer. I am ready to payoff the house and Bank of America will not communicate with me. I have just been diagnosed with XXXX and do not have any recourse in pursuing litigation against them. I just want to pay off my house - both loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, Experian XXXX and XXXX XXXX. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was Experian, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Wells Fargo ( " WF '' ) to ensure WF 's compliance with Regulation X. Since XXXX 2015, our client has been actively trying to get her application reviewed in order to begin paying her mortgage and save her home. Despite all her efforts over the past several months, WF never sent the client a letter stating the results of her review. Instead, she received a letter dated XXXX XXXX, 2015 stating she was n't being reviewed anymore because she never provided the requested documents. Since we had provided all of the requested documents and certainly all the documents necessary for a mortgage assistance evaluation, there was no reason the Borrower should have received a letter stating such. After filing our first CFPB complaint against WF in connection with this file and a few more substantive Notices of Error, we were finally informed that WF never evaluated the client because XXXX of the forms was missing a checked box. We believe this was an error. 
Moreover, we received notice soon after the XXXX XXXX letter that the Plaintiff in the active foreclosure case ( XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX ) had moved to reset the foreclosure sale date of the Borrower 's home. The motion was submitted ex parte for the Judge 's review and was executed in chambers without a hearing on XXXX XXXX, 2015. Our firm quickly filed a motion to vacate the order resetting the sale date, which was heard on XXXX XXXX, 2015 at XXXX. During that hearing, the Honorable Judge XXXX XXXX granted our motion to vacate the order, which cancelled the scheduled sale date, and stated Plaintiff must not move to reset the sale date again until the Borrower either received a loan modification or a proper denial letter. A copy of the order is attached to this complaint. 
Right after the hearing on XXXX XXXX, we submitted a Request for Information to WF for information related to its loss mitigation programs and to determine what exact documents were needed for a complete package to be evaluated to avoid any future " document issues. '' WF sent a response dated XXXX XXXX, 2015. However, the response failed to provide any of the requested information and instead stated the Borrower should contact the Home Preservation team as the response to every information request related to loss mitigation. 
On XXXX XXXX, Plaintiff moved to reschedule the foreclosure sale again without providing the Borrower either a proper denial letter or a loan modification as the Judge 's Order required. This motion was also submitted for review ex parte and signed without a hearing on XXXX XXXX. Now this is the second time the sale of the Borrower 's home has been improperly rescheduled due to the actions of Plaintiff 's counsel and the failure of WF to provide accurate information to the Plaintiff, which it has the responsibility to do as the servicer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a trial modification that had payments due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 with Bank of America for my second mortgage. I made all XXXX trial payments on time and they never finalized my loan modification. I have not received any paperwork or letters advising me what is going on. I hired an attorney and my attorney states Bank of America when called simply hangs up on the line once the computer system identifies my loan. Today is now XXXX days since I finished my trial and they took {$3600.00} from me and now are not responding to my request for a final modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am hoping to get some guidance on this matter. I have owned my property since XXXX XXXX. In XXXX, I got married and in XXXX XXXX, my husband purchased a property without me. I contacted Wells Fargo on a loan modification and was approved. I started making the payments during the trial period as they requested and completed the trial period. But now they are asking to change the terms of the agreement because they want to make my husband a part of the loan modification on the Home Equity Loan. Wells Fargo is not the primary loan holder on my mortgage, XXXX XXXX XXXX is and I have had no issues with them. I am still making payments on my primary account with XXXX XXXX XXXX and the account with Wells Fargo is a Home Equity. They would not provide me any Florida Statue that states that my husband has to now be on the Home Equity. I just want to make sure that they are not trying to take advantage of my vulnerable state in needing assistance with reducing my mortgage. They also want to give me a rate that fluctuates and I am not sure if that is legal. Please assist if possible. Thank you in advance. I have attached documents such as my marriage license which shows what year I got married. I also attached a copy from the XXXX County Property Appraisers Office that shows when I purchased the property and that my name is the only name on the property. My bank statements reflect the amount that I have been paying since the loan up until the trial period when I agreed with Wells Fargo to pay the reduced loan modification amount and the terms of the agreement would be satisfied and my loan reduction would remain as long as I made the payments in the trial period. I have never been late with payments during the trial period and the reason that I needed the loan modification is because I no longer have the income I once had when the loan was originally given. Again, thank you in advance for any assistance you can provide. I just do n't want the bank taking advantage of me or my husband. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear SirsUS Bankloan numberXXXX XXXX XXXXI am writing to you because I have some concerns with this " MISTAKE '' by US BANK .. '' DISTRESS OR FRUSTRATIONS '' Yes we did a short sale, due to my a unforeseen Illness in myself and I could not work in XX/XX/XXXX, We did not buy nothing for over three years, just made sure we repair our credit. 

because of US Bank mistake we have higher Auto insurance, we could not even get renter insurance, because of itwe are now paying higher interest rates on our vehiclesIn XX/XX/XXXX we started the process of buying a house After 5 years of waitingwe paid for escrow ( non refundable ) XXXX we paid for a home inspection ( XXXX ), we paid for appraisal ( XXXX ) to be done and a HUD inspector ( XXXX ) because we were trying to get a foreclosed house and get a XXXX loan. title work. because on XXXX XXXX XXXX report it only states paid in full.. but in cyber world it was showing pre foreclosure so we were denied the loan. My loan officer told me it was something about a house in pre-foreclosure But I told her it was a Short SaleSo we lost that house, I paid all my new debt, per my Loan officer next time we should not have a problems, just your Autos on our credit with over 19 % interest rates because of our creditso I waiting XXXX months this time, the same house came back on the market, we put in a offer and put in our money to escrow this time XXXX non refundable and another appraisal XXXX because the other XXXX had expired, I new I was going to get the house, I was approved for a conventional loan, But I had some Disputes on my credit report I had to undo those and my loan office said had to run XXXX again and it came back " approve with caution '', because of a pre-foreclosed on credit.. 
now I called the US Bank, I called I pleaded I explained I had my paper work I talked to over XXXX people in customer service .on a conference call with the XXXX XXXX XXXX XXXX and US Bank , still not fixed talked to loss mitigation, faxed at least XXXX faxes showing cash sale deed and my husbands credit report ..they told me they could not do nothing they only kept there records for XXXX years that no body could help .. 

Why writing to you I need to be compensated for all the money I have had to pay out for US Bank mistakes, But the moment I reported to the XXXX, Now XXXX US Bank have " Customer Advocacy Specialist " all the sudden why did they not tell me that from the beginning I lost a lot of money and time because of US bank mistake the customer service they were rude, and would not let me to talk to a manager, telling me do this! do that! that it could not be done unless I disputed it, because of this I lost the house again and I am very upset about this .. 


XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response