AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Since XXXX 2013 when Specialized Loan Services was assigned as Service Provider for my loan, they have refused to send me monthly statements, respond to my written requests ( and via multiple phone calls ) for explanation of misc charges applied to my account. They will not tell me where the overage of {$520.00} in payments I made went to ( was not applied to principal or put in escrow ) and they continue to raise my mortage payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Bank Of America Credit card and they do not allow you to set a automatic payment of the minimum due. You must set a predetermined amount. I called them because I got a late fee and there reason is you need to look at your statement each month and pick an amount. 

So I did not look at my statements for two months and got charged a late fee. I called them and they refused to fix it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone opened a credit card under my account that I did not approve of. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dillards account was opened without my knowledge. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lustig, Grayson and Wilson leaves a recorded message on my telephone twice a week saying to call them to discuss my account. I do not have any outstanding debt, I have seen all XXXX of my credit reports stating this. I have been advised by the Massachusetts Attorney General 's Office to not call these people. I would like them to stop calling and leaving their messages. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX XXXX 2015 at XXXX I spoke to a XXXX XXXX who works with MH Loans Corp XXXX # XXXX. I explained that I was thinking of attempting financing to purchase a Mobile Home in my area, but I was n't sure how my score would appear as I had just experience a sudden reduction in my score for unknown reasons. I was in the process of exploring so I wanted to her to help me out with a report so I knew which way I wanted to proceed with an offer I was preparing to make. She told me that it was late that afternoon but would run my credit though her under writer the next morning, and call me once she had an answer. 
The next morn came and went without hearing from her or anyone from her company. At around XXXX I attempted to call XXXX XXXX at XXXX but only received a FAX tone. at which time I called my real estate agent XXXX XXXX XXXX, I reached XXXX XXXX and was going to tell her that I had asked this Mortgage loan company to advise me of my chances of getting a loan. XXXX XXXX at this time informed me that she had been informed by the selling agent that the lender XXXX XXXX had called her ( the sellers agent XXXX and XXXX XXXX had gone into detail about my wife and my credit file. I at that time told XXXX XXXX XXXX my agent ) that I had n't heard from the lender and wanted to know how was the other agent notified of my financial status before I even knew what the outcome was. More over how and why was someone whom I had n't authorized to be involved in my credit file nor had I or my wife even made an offer to this other agent concerning any kind of bank financing. at this point XXXX XXXX and MH Corp have violated several sections of FCRA and this has now resulted in a total breakdown of any possible negotiations between my wife and I concerning a potential sale. I do have more testimony of XXXX XXXX XXXX My Agent ) of even more detailed information that was pass along to her and the other agent from MH Loans Corp and XXXX XXXX of which I will forward to my Attorney XXXX XXXX XXXX XXXX No Relation to my Agent XXXX XXXX XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have some inaccurate information on my credit history. I haveaddress changes that do n't apply. And I have never changed myname. 

Company response: Company chooses not to provide a public response
Consumer complaint: I previously contacted Barclay Bank regarding inaccurate information listed on my credit report. In XXXX of 2014, I spoke with XXXX at extension XXXX. She informed me that I had a balance of {$200.00}, and that the balance could be settled for {$100.00}. I asked her for the full account number, and she informed me that it was XXXX. I informed her that this is not the account number that Barclay has listed on my credit report, which is XXXX. I called a couple of weeks later and spoke to a representative named XXXX. She informed me that the inaccurate account would be deleted from my credit report. It was not deleted, so I filed a complaint with the XXXX. I received a correspondence from XXXX with the office of the president who validated the account listed on my credit report. I filed another dispute with the consumer financial protection bureau, and XXXX again responded, stating that the account listed on my credit report was accurate and that they would not correct or delete the invalid account number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.??? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
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 expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am XXXX and on a fixed income and do not have the money to be represented by an attorney or any other agency. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts? 

Company response: Company chooses not to provide a public response
Consumer complaint: I was hoping to get my credit report so that I could update my resume with the proper dates of employment., When I had to answer the Verification questions I was asked about a Mortgage and a retail credit card. I have neither. Due to not having thedetails on charges on my credit I DID NOT do I can not access my creditreport to even see where they came from. 
I 'm scared and frustrated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to start off by saying that I am currently a recepient of an immigration program called XXXX. I have been living in the United States for 15 years and I currently have an Employment Authorization Document and a Social Security Number. I currently have a total of XXXX credit cards with XXXX different banks. 

I am currently using Wells Fargo as my bank. I 've had a Checkings and Savings account with them for about 3 years. I 've had a secured credit card with them for about 2 years. 

When I went in to my local Wells Fargo bank to open my Checkings and Savings account, there was no issue with my immigration status. Everything went smooth. When I applied for my secured credit card, they asked me for {$300.00} dollars to open it and again, there was no problem with my immigration status. 

Recently, I went in to my local branch to withdraw some money and I was told by the teller that I was eligible for a Student Credit Card. Since my secured credit card was never graduated to an Unsecured credit card, I went ahead and filled out the application with the banker. I was told by the banker that I was approved for {$1200.00} but that it would take XXXX hours for the application to be fully approved. 

I waited for about a week before I received a letter in the mail stating that my application was not approved because Wells Fargo was not able to verify my identity. That letter stated that my application could be approved if I sent in a copy of my Social Security Card. I found this weird since I currently have a bank account with them along with a Secured Credit Card, yet they could n't verify my identity. 

I fulfilled their request and faxed them a copy of my Social Security Card. About 3 days after faxing them my SSN, I gave them a call because I wanted to know the status of my application. The representative on the phone told me that my credit card application had been denied due to me not being a permament resident. I was shocked by what she told me because like I said earlier, I currently have a bank account with them, a secured credit card and XXXX other cards with XXXX different banks and no other bank had ever brought up my immigration status as an issue. 

I would like to know why Wells Fargo has no issue with my immigration status when it comes to them receiving my money through my checkings account and they had no issue with my immigration status when they asked me for {$300.00} to open the secured credit card. They will gladly take my money and make money for themselves using it, yet when it comes to me trying to get a credit card from them, they suddenly do n't want to deal with me because of my immigration status. 

I have been living in this country for 15 years and I am trying to build a strong credit history in order to purchase a home one day. What is the issue with that? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX partnered with Citi to issue a branded credit card. One of the benefits of the card is priority boarding. After reading the fine print, I applied, was approved, I received and used the card in accordance with their rules. I am now taking a trip, and I do not have the priority boarding. They tell me I had to purchase the ticket with the branded Citi credit card. However, there is nothing I can see in their fine print saying that. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone opened up a credit card on my account that I did not approve of. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regarding : Wells Fargo loan # XXXX XXXX XXXX XXXXI would like to file a formal complaint against Wells Fargo to correctly report the loan so that there are no missing months of reported status on the HELOC loan. We have been told it is illegal for them to stop reporting on a loan. 

I and a friend/business partner had a loan from Wells Fargo on the house we purchased together. 

The house was sold on XX/XX/2015Wells Fargo has failed to report the status of a Home Equity Line of Credit ( HELOC ) to the XXXX credit agencies. 

I am now married and we are trying to get a loan to buy a house. 

XXXX XXXX XXXX XXXX, our lender, has discovered that XXXX XXXX mistakenly recognizes this lack of reporting to be the equivalent of " the property is now in foreclosure '' This Foreclosure flag on a lending application is denying us a clean ability to get a lower priced loan. 

The lending company, XXXX XXXX, has people that work directly with the credit agencies to clear up credit issues but in this case they are unable to simply correct the reporting issue. 

XXXX XXXX, the only lender that would allow us a loan without requiring mortgage insurance, has refused to recognize they can look into the matter and make the change. 

If Wells Fargo would change their reporting status, then XXXX XXXX 's automated system would no longer be fooled into " thinking '' that a foreclosure had ever happened. 

We will submit Please contact me right away and we can provideCan you please help? 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan depot called me, at work, and said they were calling me regarding my inquiry online for a loan for property located at XXXX XXXX XXXX, XXXX, Tn. I explained to them that I have n't applied, inquired or anything else for a loan. He said the request came from email : XXXXXXXXXXXX. They called me last week also but did n't give me any information until today. What do I do next? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I provided the school I was attending the address that I would like information to be sent to which was also my home address. I spoke with the collection agency ( progressive ) the other day in regards to my paycheck being garnished and was informed that they sent notices to my ex boyfriends address ( a address I never provided them with ). I was informed by the collection agency that they sent the information to my current address which I find impossible because they had the wrong address on file when I called in. The collection agency then went on to state that they sent information to my job regarding the garnishments which again is information that I never received. I did informed each representative that I was recording the call and each still gave me very rude service and unwilling to help me to understand the situation. Even informing me that I could go to the post office and request a list of returned documents which the post official is stating they only do for packages. As far as the loan goes when I was in school do to health issues ( still present health issues ) I had to drop out ( the school stated that they could not take the risk of having a student with my condition stay in the dorms ). I had made several attempts to pay toward my loan through the school and never received accurate information ( I also have documents to verify ). 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My husband and I, Remortgaged our home back in 2005 with Well Fargo MortgageCompany. With the interest rate of 8.125 %. They have not reported nothing XXXX,, since we have had Them as our mortgage coThey, take our payment directly out of our Bank Account on the XXXX day of eachmonth. And has done this for the last 10 years. The beginning balance was XXXX back in 2005. I, have not received no Statements of how much we, stillowe, Its been about 7 years ago, since I, have seen a statement from them telling usthe amount we still owe. We have only received our yearly Mortgage Interest Statementat the year end for our yearly Income Tax Report. We get our Bank Statement each month showing our withdrawal from Wells Fargo where they where they have taken the money our of our account .The rate has been 8.125 % since we have had themortgage with Wells Fargo XXXX Even when ever body else was paying 2.5 %. 
Not getting no monthly statements, or not reporting XXXX that our credit score could be a lot better. 



Would Appreciate any help that we could get. 

Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to let you know how extremely dissatisfied I am with Consumer Real Estate Finance Co. We applied for a loan with XXXX XXXX XXXX your XXXX XXXX, FL location and was told we were pre-approved for the loan. My wife and I placed a house under contract and paid a {$1000.00} binder on the property. Our agent called XXXX when we wrote the offer to confirm the time it would take so we could set realistic closing expectations with the seller. We paid an inspection fee of {$250.00}, a WDO fee of {$140.00}, an appraisal fee of {$450.00}, and a credit report fee for a total over {$1800.00}. We were told several times that we were approved and just collecting underwriter conditions. Then we were told that we are not approved by XXXX XXXX. He told us we should go FHA. They had our bank statements and knew we did not have {$7200.00} and had to go with USDA XXXX % financing. Then we were told we would be approved again because XXXX and his Manager, XXXX would make an exception with the underwriter. Then we were told they could not approve us again. All of this pushed us past the time for us to cancel the contract and receive refund of our {$1000.00} binder. Additionally, XXXX was sharing personal and misleading information directly to the processor for the listing agent team, not my agent. Because of the false information provided by your company, the on and off of the approval ( a formal decision was not issued until well after XXXX days ) and the eventual denial, I am requesting a full reimbursement of my expenses totaling {$1800.00}. 

Furthermore, I feel that filing a complaint through XXXX, HUD and the CFPB against CREFCO and individual XXXX complaints for what I firmly believe to be an Equal Credit Opportunity Act violation of Regulation B, 1002.9 and other possible sections of the law for unfair or misleading lending practices against my wife and me in the process of trying to get a loan for the purchase of a home for our family of XXXX will hopefully open their eyes to the financial harm you are causing our family and others. 

XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a member of Alaska airline 's mileage plan member and I had the Bank of XXXX credit cards. Recently XXXX audited my mileage plan account, restricted access to my account & threatens to cancel my existing flight reservation if I do n't pay in cash for the flight I already booked with my miles. I had miles in my account for over XXXX years but XXXX audited my account only after I booked flight using my miles that I earned. 
XXXX says the reason for their action is because I violated the XXXX airline card terms and conditions and for not paying the card 's annual fee and for closing the credit card. 

First, I have never violated the credit card or the XXXX mileage plan terms. 

I applied for XXXX XXXX cards in XX/XX/XXXX and kept XXXX for almost XXXX yrs and I converted the other XXXX to a different BOA credit card as allowed by card terms and conditions. I opened XXXX XXXX cards in XX/XX/XXXX & closed them almost XXXX months later. Bank of America credit card agent waived the annual fees on these XXXX cards and I closed them almost XXXX days later. All credit card issuers allow you to cancel a card and not have to pay annual fee if closed within XXXX days. 
I have not violated any of the credit card terms and conditions. 
I saw an ad for the Bank of America credit card. I signed up for the credit card relying on the ad. I was approved for the credit card. I was awarded miles for signing up for that credit card & for using the cards. I thereafter closed XXXX of them consistent with the XXXX of those cards. After earning the miles from an agreement with BOA, an agreement by which I abided, XXXX decided to revoke, rescind, and remove miles I earned vis-a-vis an agreement which I did not breach, yet XXXX appears to be saying I did. I did not violate any agreement with XXXX. In fact no where in the credit card agreement and terms says my miles will be removed or my flights booked with the miles will be canceled if I close the card. I did n't sell my miles to others and I did n't book awards for others. XXXX argument is based on " they 're our miles, we can do what we want, whenever we want, to whomever we want, for no reason whatsoever, even if the member abided by the terms of the agreement. 

I 

Company response: Company chooses not to provide a public response
Consumer complaint: After being a loyal user with Paypal for 7 years, my account has suddenly been imposed limit use in XXXX, 2015. I could n't get access to the my money in the account. During the 7 years, I always abide the policy of Paypal. I contacted Paypal immediately but was n't given any reason why the restriction was imposed. In fact, I was told by the agent that " There is no reason. We do n't want to serve you and recommend you use other service ''. I was further shocked as being told that any money in the account would be locked for180 days, and Paypal would contacted me then to give guidance for the refund. In fact, more than 180 days have passed but I have n't heard anything from Paypal. Emails to Paypal only bring automatic reply with general instruction. 

I consider it as a fraudulent behavior. Paypal has no right to lock my money for more than 180 days out of no reason and without even paying any interest. I request immediate refund and apology for its irresponsible and abusive behavior to consumers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On my behalf, XXXX XXXX XXXX and XXXX XXXX XXXX, has sent a letter to XXXX XXXX XXXX, requesting in the spirit of good customer service, that XXXX XXXX XXXX exempt me from the balanced owed on the following account ending in XXXX and cease and desist all collection efforts on the above referenced account and have the account deleted from my XXXX credit report immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo, servicer on my primary home mortgage, has made repeated, unauthorized hard inquiries just months apart that have affected my credit score. I have never been late on a mortgage payment in the eight years since the loan originated. I did not apply for a refinance or modification of the loan, although I have received numerous calls and letters from Wells Fargo suggesting that I do. 

Company response: Company chooses not to provide a public response