AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian XXXX, TX XXXX Re : XXXX - Account Ending XXXX. 

I am writing to ask that you delete my entire record from all credit reporting, since I have tried numerous times to contact the collections company XXXX has referred my account to : XXXX XXXX, XXXX Executive Response Unit. XXXX XXXX. 
XXXX, Office of the President, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX. 
XXXX XXXX, VP Client Servicing I have had XXXX success in doing so, since they claim it is a XXXX account. 

In addition, I have made consistent payments to XXXX over the years and as a responsible person, and yet XXXX is still reporting me as not paying. 

This must be rectified immediately, since as I was told via my phone call XXXX does not manage this debt, XXXX XXXX XXXX XXXX XXXX does. 

I am reporting this mis-reporting to CFPB and each individual reporting agency. 

I look forward to your response. Thank you for your consideration. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company continues to contact me at work after I have indicated that I should not be contacted at work. 

I requested all contact be in writing but they continue to call. 

At first it was a male calling me and I informed him I would contact the doctor 's office and he told me people like me was causing this doctor to almost have to close his doors because we refuse to pay our bills. Again I told him I would call the doctor and he said the doctor 's office did not want to talk to me. This is ridiculous considering I do n't owe this company anything. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am the equity and title owner of a property in XXXX AZ. 
My son is the one who secured the loan for the property from US Bank home Mortgage. We set up a bank account for US Bank to withdraw the mortgage monthly payments. US Bank withdrew over {$2000.00} extra per month than what we agreed upon I contacted US Bank to resolve the issue but got nowhere, we closed the account, stopped making payment and secured a new loan to refinance. When the title company checked the recorded deed of trust they found mistake in the jurisdiction county. I went to the recorder office to try to correct what I thought is a mistake but discovered that the recorded deed is a forged fabricated document different than the one my son signed and I witnessed. 
US Bank will not produce the original document and scheduled a foreclosure sale, I filled a chapter XXXX Bankruptcy to get US Bank to produce the original documents, but US Bank submitted the forged documents as exhibits in their proof of claim. US Bank believe they are above the law, has no respect for the legal system or the Court. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had to parcel 's that set side by side. XXXX XXXX XXXX XXXX, XXXX Co owner of XXXX XXXX, now XXXX, stole my identity, XXXX parcel homestead ( located XXXX. ) ( XXXX ) and submitted a 1st mortgage into XXXX XXXX. Then refinanced that mortgage changing the parcel to my XXXX XXXX parcel and falsifying the address to " XXXX '' XXXX XXXX XXXX XXXX. to hide the " XXXX '' XXXX XXXX 1st mortgage. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Navy Federal Credit union received credit disputes from me. Processed them late, and provided even later merchant responses. Now threatening to reapply charges unless I respond. I have responded after late receipt of their letters to me. See attached message to them addressing XXXX claims. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The same numbers which all come back to the debt collection agency Rash Curtis & Associates call me approximately 6-8 times a day. When I do answer there is nobody on the line, sometimes there is a recording requesting me to call back. There voice messages which typically last 2-3 seconds have no information and just clog up my voicemail box. This is very frustrating and feels like harassment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America was servicing my mortgage up until XX/XX/2014. Bank of America made it blatantly clear that I would have a new mortgage company which is XXXX XXXX, effective XX/XX/2014. I have received to correspondences from XXXX XXXX, XXXX from the office of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. According to the court documents they are representing Bank of America in a foreclosure on my property? I am confused ... because all of my monthly statements are with XXXX XXXX ... looking at the court documents ... I see that XXXX XXXX is not with current events because XXXX is still listed along with other items that should not be listed ... the mere fact that these items are listed I am wondering why XXXX XXXX who claims to be representing Bank of America is harassing me. I am in the process of deeding my property back to bank ... .that bank is XXXX XXXX XXXX If you review the responses and history you will see where Bank of America disassociated themselves from the issues I had with them when they transferred the property to 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 submitted almost all of the documents to Seneca, spoken to their representatives and have explained why some documents are not in accessible, to no avail they have denied my request for a modification and have informed me I will need to resubmit everything again. 
I feel this is a stall tactic for reasons I do not understand. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has not responded to any of my documentation and disputes XXXX to old files medical collections that are not mine 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Prime Acceptance call all day repeatedly from different numbers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Mortgage servicing complaint against Roundpoint Mortgage Servicing Corporation. XXXX personal complaint with CFPB about Roundpoint in two years. In each incident Roundpoint has failed to cashed mailed payments on timely basis. I strongly suggest the regulating agency that is responsible for conducting audits pay a visit to Roundpoint. Roundpoint failed to return phone call " immediately '' as their voice response system stated. 5 days latter I phoned Roundpoint and waited 1/2 hr. on hold to speak with customer service rep in XXXX TX. Rep. informed me Roundpoint had not received payment and late charge was automatically charged. Rep. offered to take a courtesy ACH payment over the phone, I agreed. I shared past experience with XXXX the personal check that was not received was then cashed on the same day as the day the courtesy ACH payment was made. Rep. did look at my payment history and decided to waive late fee. Seriously this does n't pass the smell test, something potentially bigger then lack of execution between the lockbox services they have outsourced with XXXX and Roundpoints internal IT is happening. The leadership is either aware of the problem or they need to be made aware of the problem or they do n't care, could be the culture of the organization. XXXX XXXX had a saying, its ok to make a mistake because we can all learn from our mistakes but if you commit the same mistake twice your doomed to fail. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I keep receiving multiple calls on my cell phone and house phone from this number XXXX claiming I wrote a bad check from Wells Fargo in 2006. First of all, if I had written XXXX I would have taken care of it. Second, this is the first I 've heard of it and they said I 've been notified previously through mail. Third, the statute of limitations on bad checks in the state of California is 2 years. My concern is how this company got my information. This is an invasion of privacy. My phone numbers are not publicly listed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: NFCU credit card put my account in collections after 84 days past due. 
I was having on going conversations with XXXX XXXX in the NFCU collections department that I wanted to make payments but that I was unemployed. On Day XXXX of being past due, I called XXXX XXXX to make a payment and I was informed that my account had been given to the law firm of XXXX XXXX. I asked why would you give my account away and she replied that " You did n't seem like you were was going to pay. '' Since NFCU tapes all conversations I informed XXXX XXXX, XXXX XXXX XXXX, to not destroy those tapes. 
I called the law office with the number provided by XXXX XXXX and was informed that accounts are never given over to collections before 90 days. 
I immediately made the payment to the law firm, a XXXX XXXX. In the process of making the payment I found out that NFCU did n't even give the law office my correct address, NFCU gave an address to the law office that I have n't lived at in over 15 years. NFCU sends me billing statements, collection letters and advertisement to the correct address every other week. If I had not called NFCU to make a payment I do n't know where this would have ended up, having not received any notice. Was that a deliberate action take by NFCU or the law firm. 
Please respond as to my rights. This does not seem like this was correctly handled. And, also now my credit rating will go even lower when it was not necessary. 
I have attached a letter from NFCU from the year 2005 that shows the account number and my correct address. It proves they had my address for 10 years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A relative used my social security number to obtain XXXX XXXX XXXX. I contacted XXXX XXXX and made payment arrangements with the person who used my social security number. After explaining that I did not use their services, services were provided in XXXX and I live in XXXX. The debt was taken off my credit report but now is back on and causing my credit score to be lowered. The bill is now being taken care of and wish to have the debt taken off my credit report. I also would like the company to stop calling me. I have provided all the information to have the debt paid for even though it is not my debt. Can this be taken off my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The debt collection agency, Aargon forwarded a negative report to our XXXX XXXX credit report, WITHOUT any written communication with us, and this has adversely affected our credit rating. 

When we contacted them, they now sent us a letter on XXXX XXXX, 2016 stating that " Information regarding this account may be reported to a credit reporting agency upon the expiration of the time limits indicated in this letter. '' Apparently, that claim was inaccurate, because, through an alert system on XXXX XXXX, we had discovered the negative entry from Aargon on our XXXX XXXX credit report. 

We have provided Aargon Agency, by email and certified priority mail, the necessary documents to prove that we did not owe the debt but have yet to hear or read from them. We provided Aargon Agency with XXXX lease agreement with tenants who lived at our rental property at the time of the debt and who had accounts with the apparent creditor company, XXXX XXXX company. 

We hope you would assist us to correct this error, as the negative report has decreased the credit rating that we jealously built and maintained ( resulting in a drop of about XXXX points! ). The bad report from Aargon Agency will eventually affect our ability to borrow, possibly leading to economic hardship for my family. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We sent a dispute letter on XXXX XXXX, XXXX questioning the SOL of a judgement from XXXX XXXX and how they got a judgement without proof of a debt. XXXX XXXX they filed to renew the time barred judgement and on XXXX XXXX they attached my husband 's bank acct. and withdrew {$610.00}. We have numerous reasons to vacate the judgement in the first place and of AAA Collections in XXXX XXXX, SD violating the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I continually experienced additional fraud to my name and social in spite of the efforts made to prevent it. The following additional accounts are a result of my identity being stolen and need to be documented and removed from my credit report. 



XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a debt validation on the alleged debt from XXXX XXXX XXXX of {$550.00} from ERC. I received a response from ERC with an XXXX XXXX XXXX bill dated XXXX XXXX. I contacted XXXX XXXX XXXX and they said the debt was in collections in XXXX! This debt was purchased by several collection agencies starting from XXXX on XXXX/XXXX/XXXX then to XXXX on XXXX/XXXX/XXXX, and then to ERC on XXXX, XXXX, XXXX. The original delinquency date on the account first became delinquent has changed several times by the XXXX collection agencies. Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the XXXX year time frame does not start over when an account is sold or transferred to a another lender or collection agency.The recent collection agency ERC reported that I just owed the debt in XXXX XXXX when it was originally in XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX I opened a new credit card with Navy Federal Credit Union. The card had a promotional rate of 0 % for balance transfers for 15 months. Once I opened the account I decided to use the card for all of my purchases in addition to the {$9700.00} balance I transferred in. I called customer service and inquired as to how payments were applied to balances and how interest was charged. I was told, in XXXX, that if my purchase balance was paid in full each month by the due date, I would not incur any interest charges-regardless of the promotional balance because the promotional balance had a 0 % interest. For the last two months I have been changed interest by the credit card company, even though I pay off my entire purchase balance each month ( and then some to bring down the balance transfers XXXX. 
When I challenged the company this past month, they explained to me that even though their " statement disclosure '' states that " We will not charge you interest on purchases if you pay your entire balance by the due date each month, '' they claim that they calculate interest using the " average daily balance '' which takes into account the balance transfer ( even though the balance transfer has a promotional rate of 0 % ). 
The terms of their agreement are deceptive and I believe how they are charge/calculate interest is deceptive and intended to confuse customers in an attempt to charge interest on promotional balance transfers that are allegedly 0 %. Their own customer service staff were perplexed why I was being charged interest and were largely unable to explain how I was being charged interest when the purchase balance was paid, in full, each month and the promotional balance transfer rate was 0 %. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The attached company claims that the account will be removed on all pertinent credit reports XXXX XXXX. I stipulate that the account was opened in XXXX, that it went into default the same year, was eventually paid in full in XXXX, and that the company in question still not only maintains a balance of {$1500.00}, but that the account if legal would show a XXXX balance. My dispute was challenged and a copy of the XXXX XXXX result is attached, with virtually no response or required documentation to maintain a negative trade line on my personal credit report. The item needs to be deleted as mandated under the 84-month rule with the Fair Credit Reporting Act. The Consumer Financial Protection Bureau, as mandated under Dodd-Frank has taken up consumer rights where FCRA and Fair Debt Collection Practices Act consumer rights are being violated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian has a wrong Social Security Number in my file and is not correcting this wrong information. 
I do NOT have a Social Security Number, and I can prove it with a official document issued by the Social Security Administration stating that I was never issued a Social Security Number. 

I have already disputed this information MANY times via fax, telephone and also Postal Service. 
already disputed this information more than 5 times and Transunion does n't take action to correct this! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a XXXX-year old retired male living with my XXXX-year-old wife in XXXX, Virginia. Since XXXX XXXX we, as joint owners, have been faithfully paying a 30-year mortgage loan with Bank of America ( BOA ) Home Loans, which acquired Countrywide Home Loans in XXXX. Currently the principal balance is {$77000.00}. During the course of the mortgage we have had several issues with BOA concerning the escrow account ( taxes & insurance ), which monies are paid to BOA from our total monthly mortgage payment of {$900.00}. Currently the monthly escrow amount is {$140.00}. 

In XXXX our then-monthly mortgage payment of {$1100.00} was reduced nearly $ XXXX/month, largely due to a reduction of our XXXX XXXX County property/real estate taxes under the county 's Tax Relief Program for XXXX and XXXX Persons. Also, in XXXX XXXX, BOA sent us a check for {$2300.00} for " escrow overage. '' However, this month, XXXX, XXXX, BOA sent us an Escrow Account Review statement in which BOA established a new monthly escrow payment of {$280.00}. No stated reason for the increase, however the statement applied ( added ) our annual county taxes of {$990.00} TWICE. We do not know why BOA sees fit to increase our escrow payments or why our county taxes are applied twice. However, BOA sends to us about twice a month offers to refinance our mortgage. Which we do not want, especially because our monthly mortgage payment is more manageable due to the county tax reductions. 

We are left to think that, perhaps, BOA is attempting to recoup the escrow overage check money by increasing our escrow monies owed, in addition to to pestering us to refinance, which we believe would be far more beneficial to BOA than to us, especially since our principal payments are now reducing the total amount owed on a par with the interest charges. 

As things stand now, we consider BOA 's escrow increase to be arbitrary and without merit and wish clarification of BOA 's intentions under its Escrow Account Review. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX I purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX. I traded in my XXXX ford truck. The dealership gave me {$8800.00} for my trade-in. I owed Navy Federal {$10000.00}. The dealership said not to worry about the negative equity of {$1200.00}. They said they had rolled it into the price of my jeep so I did not have to pay any additional money. When I saw the buyers order it said that there was no balance owed to Navy Federal. When I got my loan from Navy Federal I found that I still owed the negative equity. I paid the negative equity XXXX once to the dealership and once to Navy Federal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian has fail to delete wrong information on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company is unlawfully attempting to extend the time limit on this account by reporting inaccurate information by falsifying when this account initially became delinquent. I have sent certified letters requesting validation which they have failed to respond to, but have illegally responded to the credit bureaus by verifying this debt as valid when the disputes have approached your office. I called your office on XXXX XXXX, 2016 and spoke to a man named XXXX. When I asked him to verify when this account was opened or became delinquent, he stated that he has no record as to when this account was opened or became delinquent and that they place random dates on credit profiles. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I just received this report from Experian after the last dispute you processed. Before you send it off to Experian, maybe what I am being told by XXXX and XXXX is false, they deleted after last payment was made XXXX years ago? 
This XXXX account was scheduled to be removed and was by both of the other XXXX bureaus. The last payment was just over 7.5 years ago. Experian, they " verified '' it but still leave it on. Experian pay history is correct, last payment was XXXX 2008. What tools or laws do I have to enforce them to delete this XXXX account? Maybe they do n't understand what they are doing? XXXX and XXXX have put in a solid effort to correct my report, Experian, well see for yourself. If want to bother them again, it 's appreciated. I just wish there was a system that we could fine them for not doing their job, like {$500.00} for each violation, just enough to get their attention. 

Company response: Company chooses not to provide a public response