AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This account was opened through fraudulent means, my personal information was use without my consent to open and establish credit. Approximately XXXX years ago when I was applying for a home loan I discovered this account with XXXX had been opened in my name without my permission to someone claiming to be me at an address I have never resided. I reported it to the credit reporting agencies, XXXX, XXXX and XXXX the negative information was removed for a couple of years only to reappear. Since this first incidence another account wit XXXX appeared on my credit report and I received a letter from the collect agency handling the account, I telephoned that company and explain this was a fraudulent account use my information with an address where i have never resided and was told I would receive no further attempts from them and the matter was resolved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Citi XXXX issued by Sears. I used this card to have a $ XXXXpurchase in sears store XX/XX/XXXX. I updated my address in sears. 
I changed my address in the local post office. But I never ever receiveda bill mailed to me. Because I do n't use this credit card too often, and alsoXX/XX/XXXX is a holiday season, I do n't remeber this bill. 
Today, I got a call from XXXX to say I have a bill for {$240.00}, which inculde the late fee XXXX. I do n't think it is my fault to cause the latepayment. I beleive there is Something wrong about the bank or sears'ssystem. 
When I called sears, their custom service told me they just update myaddress on XXXX XXXX. I already update my address on the day I did thepurchase. 

I definitly would like to pay {$68.00}, but I request waive the late fee. becauseit is the bank or sears 's responsibility. 
I called them, also, I sent a email to dispute ( XXXX This issue have n't been resolved. 
My reference number is XXXXMy card number is **************** 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and tried to work with Bank of America ( BOA ) to get a repayment plan in XXXX XXXX, Bank of America suggest we go through XXXX. On XXXX XXXX, XXXX we went to XXXX ( XXXX ), who contacted BOA, who stated we need to a Home Modification Loan. We filed for a Loan Modification with BOA, and were told to make no mortgage payments while the Modification was being processed. This went on for XXXX months until BOA stated we need to pay the XXXX months we were past due in order to make the Modification possible. My wife file for Chapter XXXX Bankruptcy and once the hearing was completed on XXXX/XXXX/XXXX, we made our XXXX payment on XXXX/XXXX/XXXX and made every payment thereafter on a regular basis. On XXXX/XXXX/XXXX we received a letter stating that our mortgage had sold to XXXX XXXX XXXX. ( XXXX ) We made our XXXX mortgage payment to XXXX on XXXX on the phone. On XXXX/XXXX/XXXX we received a call from our Lawyer, stating we were delinquent on our mortgage payment. On XXXX/XXXX/XXXX we received Court papers dated XXXX & XXXX/XXXX/XXXX that we were delinquent and that we had a Court date for XXXX XXXX, XXXX to foreclose on our home. We immediate met with out lawyer on XXXX/XXXX/XXXX and hand Exhibit XXXX which showed our payment to BOA were XXXX months behind. 
My wife and I went through our personal bank records and pulled all the checks and bank statement starting from the XXXX mortgage payment to the current payment recently made to XXXX. As of XXXX/XXXX/XXXX we heard from our Lawyer and everything between XXXX and us has been straighten out and foreclosure process stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company called me at my work looking for my wife 's ex-husband. I do n't know how they got my information but they have called several times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXXDear Wells Fargo Representatives : Today XXXX XXXX ( working on behalf of me for my loan modification ) informed me that unfortunately Wells Fargo has decided to not help me modify my mortgage so that my family can remain living here. 

I am extremely disappointed and surprised. I have been unemployed since XX/XX/XXXX. XX/XX/XXXX I informed Wells Fargo that I was having difficulty paying my mortgage with Wells Fargo and that I needed a little help. This was the first time I requested assistance. I then asked for a simple deferment or work out program so that I could get back on my feet and find a real job and not only pay my mortgage but also provide for my family. After approximately XXXX weeks and providing all the requested information and documents, I was told that I did not make enough money and your Supervisor suggested that I get a job at XXXX XXXX or somewhere like that and then reapply XXXX months thereafter. I was also told that Wells Fargo does not do deferments. I have relied on my wife 's income, our savings, and borrowed money from family and friends to keep this going. 

The beginning of this year we exhausted most of our savings and again contacted Wells Fargo for assistance. The process began XX/XX/XXXX to find a work out program that could help us stay in our home. 

Almost XXXX months later Wells Fargo decides that we do not make enough money etc. and that our home would land in foreclosure anyway. I really have to wonder why you would tell me this now and not help us. Your representatives knew both times around what we make and we provided you with everything you have asked for immediately. 

Seven years ago I combined my interest only loan with Wells Fargo with my HELOC into a fixed mortgage in order to fulfill my obligations with Wells Fargo and also own my home quicker. This I thought was possible until I lost my job in the industry I have been in for so many years that is pretty much non existent and destroyed. 

My credit has suffered, my marriage has suffered, and ultimately my health has deteriorated. 

Why will you not help good people like us stay in their home? I do not understand this or your approach at all. We have paid you and intend on doing everything possible to keep paying. All we ask for is for some assistance now. The stress that this has caused us is absolutely unnecessary. 


Please help us. We are good people that are experiencing some difficult times right now. We fully intend to get out of this bad situation with your help and land on our feet again. 

My interest rate with you is 10.365 %. Maybe if you reduced the interest rate slightly we could all be happy. 

Company response: Company chooses not to provide a public response
Consumer complaint: BSi financial one again has done an incorrect escrow analysis that has raised my mortgage payment by XXXX dollars I sent them a qualified written request with a copy of my tax bills and insurance. I also called them and explained the mistake but after 2 months they have not yet corrected this. They have called me several times and I have explained this several times to several different BSI employees each time they have promised to fix this problem yet they continue to call me and send me outrageous bills.I have been sending my regular payment in each month but they are not applied to my balance.this is the same problem we had last year and it was not fixed until we filed a complaint with the consumer financial protection bureau. This is a simple and obvious problem and at this point I feel I am being harassed by this company to the point that I am considering refinancing with a different company. I am also concerned about what they have put on my credit report. I have had this mortgage for 3 years other problems I have had with them my homeowners insurance was not paid on time and my taxes were not paid on time but they fixed these promptly after I notified them. Bottom line is this company has been a nightmare I ca n't imagine dealing with this company for 27 more years they should be finned for this kind of incompetence they should pay my closing costs for a mortgage with a reputable company. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Filed XXXX in XX/XX/XXXX to keep my home of 25 years, ( tried for a home Mod but u have to be 3+payment behind which puts u in foreclosure so to stay off the bank i filed Ch XXXX ). For two months once my home was foreclosed I attempted to re purchase it through XXXX XXXX, but no luck in XX/XX/XXXX after XXXX informed me i needed XXXX in a secured account, which I did, still no response until I had my Atty. and XXXX XXXX office got involved. We found my Mortgage when refinanced through Bank of America ( which they did all the paperwork since they did it originally ) was unsecured because of being on XXXX Land, which is necessary through the XXXX XXXX XXXX XXXX. Everything thing stopped, no calls from BoA nothing though I still made the XXXX XXXX payments, until last month. In the last 40+days, my home has been listed for sales w/ disclaimer not to contact the occupant at any level ( me ) ... My Atty. is still involved but Bank of America, will not respond to anything. I received the usual correspondence from BoA, with each of them giving a Ph # for contact that is usually not working. 

My Attorney is convinced that the Loan should have been dismissed during the Chap XXXX, but the worst case scenario would be that the bank would simply sell me back my home for the balance of the mortgage. But so far nothing and my home is still listed 

Company response: Company chooses not to provide a public response
Consumer complaint: Wellsfargo hit me with over XXXX overdraft fees and excess account fees within XXXX months. I called to see if they would be able to reimburse any of the fees back to me and was unsuccessful. They could n't help me. I even asked to close my bank accounts and customer service told me to call back tomorrow. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts with Bank of America. In order to prevent overdrafts in XX/XX/XXXX I opted out of payments of overdraft created by debit card charges and automatic payments and requested that if there were not sufficient funds the items were to be denied. The bank changed the setting in the account and when items without sufficient funds came in these were declined, however, the bank continued to charge {$35.00} per item since it indicated that declined items are subject to fees anyway. In addition, the bank would not indicate in the activity online what item was declined. Since the solution was worst that the problem I went back to opting in for overdrafts. Also, I was not notified of my right to opt in or out for payment of overdraft. That was the bank strategy to get me to opt in again. I believe that the bank actions might be in violation of applicable regulations and were established as a device to charge excessive overdrafts fees. As such the bank is incurring in unfair and deceptive practices. For this reason I request that the bank refunds all overdrafts fees charged to my accounts in XX/XX/XXXX and XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an issue with Bank of America taking {$70.00} out of my account after it over drafted a small amount for a matter of a few HOURS, not days. I went to the bank immediately to put the funds in. The real issue is that the policy used to be that you would only be charged if money is not added within 5 days and I was not notified of any change to this policy and therefore did not expect a charge. Naturally I try not to overdraft but I have accounts at XXXX banks and I had forgotten to make a transfer. If it were days I would understand and especially if I had been notified of a policy change, but not hours. Also, there was enough money in my savings to cover the amount. The bank used to let you link the accounts for protection and now it does not, so it can take your money. Managing someones account is not an excuse to steal from them anytime you see fit. I will be looking for a new bank immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinance my house in approximately XXXX 2008 and when I financed itCountrywide Bank Loans put me into an FHA loan which I 'm sure I did not need. At the time I was making at least {$75000.00} a year, I had a truck payment approximately {$400.00} a month and a mortgage payment. Also my credit score was between XXXX and XXXX so my credit score was not bad. I had some arguments with them regarding the FHA loan, but I was unable to get anywhere with. I 've done a lot of research on the Internet and I found that there is a settlement, but I have no idea where to go to claim this money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian shared my private information on XXXX different times with XXXX different agencies. XXXX was XXXX XXXX in XX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXX .Number XXXX was XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX.The XXXX XXXX was XXXX XXXX credit department.They shared my private information without my consent..im very upset about this. they have no right to share my private info without my consent thats my complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went through free annualcreditreport to get my experian report. it gave me some issue and that i will be sent a letter with report number to view. I got that letter with the report number but when i got online and punched in the number it gave me 30 seconds to view the report and after XXXX viewings it blocked the access completely. This is a joke! How can XXXX scan XXXX pages within 30 seconds before it times out! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card through best buy with citi bank. I am setup on their website with auto pay as I am with all of my bills which I pay online. XXXX 2015 I changed banks and I updated all of my online accounts including citi bank 's. I received a phone call earlier this month stating that I was past due on my best buy account through citi bank. I explained to the customer service that this could not be possible as I am set up with auto pay. The agent explained the auto pay must not have been working properly and it might not have saved my updated banking information online when i added it. I was penalized and hit with late fee 's and it was also reported to all XXXX credit bureaus. I spoke with the bank and they apologized for the inconvenience and reversed the late fees. However I wanted them to correct the negative mark on my credit reports. In my XXXX of having this credit card I have never been late. I am very disappointed that I was not contacted and advised sooner about the auto pay not being processed. Instead the bank contacted me way after the fact and reported a late payment which was not my fault. Citi bank 's website is known to not work properly and I feel the consumer should not be punished for it. This mark will stay on my report for XXXX yrs because of a system issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received XXXX calls from FNCB, telephone number XXXX. When we answer the telephone, no agent is on the line to explain the reason for the call. The calls have occurred on XXXX/XXXX/2015 at XXXX, XXXX/XXXX/2015 at XXXX, and on XXXX/XXXX/2015 at XXXX. The calls come to XXXX which is on the Federal Do Not Call list. My credit report shows a credit rating of XXXX, and we are not in arrears on any debt. At XXXX years old, I do not wish to run to the telephone to find no agent connected to explain the reason for the call. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a zero balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian refuses to investigate disputes for XXXX XXXX and bankruptcy on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called the law office of Arnold Scott Harris located In XXXX II on XX/XX/XXXX to inquire about phone calls I had received. The girl told me I had a " ticket '' for resisting arrest and another ticket from XX/XX/XXXX for speeding. She asked how would I like to pay the fine and I told her I was unable to at this time. She then went on to say there 's a hold on my licence ( which is not true because I just renewed it XX/XX/XXXX ) She then went on to say that I would be taken to court and " XXXX county will put a judgement against me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I entered into an agreement with ATTUniversal/Citicard to pay a credit card debt, The agreement was negotiated by XXXX XXXX XXXX and the payments were made thru them. I have copies of my signed agreement from XXXX and the agreement letter from Citibank. 
The original contract stated that I would pay Citi {$570.00} per month for a total of 12 months. I have copies of the front and back of each of the 12 cleared checks. The checks are dated XX/XX/XXXX thru XX/XX/XXXX. Since the final payment, Citibank has continued to report to the three credit bureaus that I owe them {$10000.00} in spite of my proof of the agreed-upon payoff of 12 x {$570.00} = {$6900.00}. Twice, I have sent them XXXX 1 certified return receipt mail and 1 fax XXXX copies of the cancelled checks and both the XXXX and Citibank agreement letters. They have never acknowledged receipt of any of them. The account has been moved to four different collection agencies who can not provide proof of the check that allegedly did not clear. They just repeat what Citibank has told them " The XXXX XXXX check was returned for insufficient funds. And I, once again, owe them the original amount of $ XXXX. " There was no XX/XX/XXXX check. The XXXX and final payment was XX/XX/XXXX. I have repeatedly asked for proof of the NSF check but have never received it. 
I have written the credit reporting agencies asking them to remove the incorrect information, to no avail. 
Citibank continues to say the NSF check broke our contract and I still owe them the {$10000.00}. I would like to see this item removed from my credit report and marked " paid as agreed. '' Please note this has been going in for more than a year and been circulated to four different collection agencies with NO help from Citibank. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclay 's reported some negative marks on my credit report. I need some options to resolve this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/15 We paid {$5000.00} to XXXX XXXX XXXX via out Citi Card Credit Card. 
XXXX/XXXX/15 Called Citi Card to dispute amount secondary to advised by our health insurance company we were not obligated for the full {$5000.00}. 
XXXX/XXXX/15 Received letter from Citi Card requesting we provide them the name of our insurance company, settlement date of claim, amount Insurance Company paid and our obligationXXXX/XXXX/15 Faxed over all requested items, stating our responsibility to XXXX XXXX XXXX was {$2600.00}, there leaving a credit due to us for overpayment of $ XXXX Received credit on credit card of {$1200.00} from XXXX XXXX XXXX Received letter from Citi Card asking if the {$1200.00} settled our dispute, replied back to letter via fax on XXXX/XXXX/15 stating no this did not settle our dispute as the total amount of dispute is {$2300.00} therefore we want to continue dispute for the additional $ XXXXCiti Card has had all information to process this dispute since XXXX/XXXX/15. There is still no remedy to this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Best Buy/CBNA has contacted XXXX XXXX and XXXX and posted some negative marks on my credit report regarding a debt. I have not been presented with any options to resolved this problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: submitted a statement for bankruptcy account and they changed and reworded my statement now they will not let me remove statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the past, I have complained about Enhanced Recovery making entries on my credit report for a debt that I have no knowledge of. Initially, the company did what they said they would ; remove the entry & have no further contact. However, on XXXX/XXXX/XXXX, I received another credit alert ... A new account with Enhanced Recovery, for {$900.00}. To date, I have yet to receive any form of a debt verification letter, or any attempt to contact me directly regarding this alleged debt. After reviewing my credit history, Enhanced Recovery has attempted to extort money from me, via illegal entries on my credit report, for the following amounts : XXXX/XXXX/XXXX, {$1700.00}. XXXX/XXXX/XXXX, {$280.00}. XXXX/XXXX/XXXX, {$900.00}. XXXX/XXXX/XXXX, {$900.00}. Enhanced Recovery is a company that tries to illegally extort money from people that do not owe money in the XXXX place! This operation would be a fine target for a federal investigation and, a great place for a class action lawsuit! Negative entries on my credit report MUST be removed immediately! When Enhanced Recovery wants to operate within the legal boundaries of their practice, and send a debt verification notice, I might be willing to have some form of dialogue with them. Until then, they need to stop trying to play this ridiculous game with me! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt. 

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