AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My credit score is being artificially lowered by these companies ' policies of having multiple credit report or score requests adversely affect one 's credit score. How? 

( 1 ) Searching for a home and shopping for the best mortgage/financing has generated multiple reports which they claim indicate some sort of " problem. '' We placed offers on XXXX homes - both failed their home inspections, so we did not purchase either XXXX - which generated more reports and lowered our score even further. 

( 2 ) Our report said we had a " too high balance-to-limit ratio '' on our bank card. It averaged {$2500.00} on a {$5000.00} limit. So we raised the limit to {$7500.00} which generated yet another report. 

( 3 ) We are actually pre-approved by a lender, but because it 's been hard to find a home within our price range, enough time passes that they will pull another credit report if we make another offer on another home. And then our score will sink once again. 

( 4 ) We have pristine credit, yet our score has dropped XXXX points in the past six months, all due to this bizarre policy. 

( 5 ) I went online to dispute this but they say, in writing, their " policy '' does not allow this to be disputed. So according to them, there is, therefore, no means to resolve this. 

( 6 ) We are now afraid to look for a house or financing for fear of lowering our credit score even further. This is insane. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move, contacted my mom asking her to come up w/money or ill lose my home /contacted my X - mother law hitting her up for money. Now I been trying for loan mofication for a year greentree would deny mofication because they did n't reviewed required documents. I sent in what I was suppose to over and over again. I have contacted my state attorney general 3 times they are NO help!!! 
Greentree sold my home behind my back when they said I was finally approved for deferral, next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX, missing work XXXX ) from years of abuse from greentree.I have worked all my life, I had XXXX good jobs, but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication, now I owe them XXXX to stay in home. Can you please help? I have all documents from start to finish. 
Thank you XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Had a foreclosure on a property in XX/XX/XXXX which included my XXXX and XXXX with XXXX XXXX XXXX. We were released from any further action or collection at that time from the relief issued at that time to mortgage holders. The house was sold and they recouped almost all of their money. Either way the accounts should have been marked as foreclosure and stopped reporting. Then XXXX XXXX XXXX started trying to collect on the XXXX mortgage even though the lien was released and they were done collecting supposedly. To date they are still reporting on credit, as a Mortgage account which it can not be because the house was given XX/XX/XXXX yet Experian is still showing it as 120 days late as of XX/XX/XXXX and has been reporting it this way and ruining my credit since XX/XX/XXXX. I have challenged it with Experian and they have verified that is reporting properly, I have asked for the note that shows I still owe it if the property is foreclosed on and they will not respond or produce any validation information. Then they transfered it to a company name XXXX that has also been trying to collect it from me and we have even tried to pay them to get it to go away. Either way the are both reporting at the same time n my credit, I dont owe and shouldnt owe either of them and they are hurting my credit and I am unable to get any relief after disputing the misreporting with Experian and XXXX for XXXX and then again Experian for XXXX XXXX XXXX. I have read about my rights and this is a clear violation of FCRA and they are liable for hurting my credit and keeping me from reestablishing my credit and buying a home. Please help enforce this and keep them from hurting my credit any longer. I have uploaded the most recent credit report from the mortgage company that said I dont qualify and only because of these reporting accounts. I have also attached the response from Experian. I tried to challenge them again asking for validation and they sent me a notice saying I can dispute any longer as well. I have attached that as well. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband passed away in XXXX, a week later I notified the Mortgage Company ( Wells Fargo ) I was able to make my payments up to XXXX 2015. I called them to start a loan modification. I jumped thru hoops for them, sending every paper they wanted. The last I heard from my loan preservation agent XXXX XXXX everything was a go to submit all the paperwork to his manager that was XXXX XXXX. Today, XXXX XXXX I receive an email from a different person saying they need forms they already have, about XXXX of them. The new loan preservation guy said some of the pages were minimized and he can not use them. I do n't understand why they are giving me the runaround. For 18+ years we were never late on our mortgage. Please help me 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Transunion in XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX 's response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX 's claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Transunion is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX, showing the false reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get Wells Fargo to talk to about my mortgage to save my house from foreclosure for the past 4 years with no resolution. I attended the workshop that the DOJ held on XXXX in XXXX and was told that I needed more paperwork sent ( again ) which I sent on XXXX as I agreed. Wells Fargo was suppose to contact me on XXXX to confirm and to date I still have not heard back from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am Not the person they are calling for, there fore I do not respond to the call but they still call me Everyday 

Company response: Company chooses not to provide a public response
Consumer complaint: I have fallen into a financial hardship with maintaining my mortgage. In XXXX of 2012 my wife went into the hospital for XXXX. This change has effected my life substantially. It caused a reduction in hours I was able to work to take care of my wife. I have made necessary modifications to the home so that my wife can function effectively in her XXXX around the house. I have attempted on several occasions to seek assistance with the Lender for the chance to get caught back to current with some sort of repayment plan or work out option. However, I keep being told that our Private Investor does not assist with modifications. I do n't understand why I can not get assistance with the government programs that are available for homeowners in my type of situation or just something that will help me keep my home. I have never requested or received any assistance in the past and the first time that I beg for some type of help I get rejected every time. there is no where for my wife or I to go, especially with her specials needs to get around. I felt that it should be exposed how this Investor of mine is not willing to help their borrowers, not even once. It 's just devastating. 

Company response: Company chooses not to provide a public response
Consumer complaint: MY CREDIT SCORE WAS XXXX ONE MONTH AGO - IT XXXX TODAY. I CHECK IT EVERY MONTH. NOW NOTHING HAS CHANGED. NO BALANCES HAVE WENT UP. NOTHING HAS BEEN LATE AND NO INQUIRIES. THIS NEEDS TO BE ACCOUNTED FOR ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: I own a Macy 's American Express credit card. In XXXX of 2015 fraudulent charges totaling {$440.00} appeared on the card for lotion purchases at a non-Macys store. I immediately called the credit card company and filed the necessary fraud dispute paperwork. In short, they did not even open my fraud paperwork until XXXX 2015 and in the meantime were reporting my account as delinquent to the credit bureaus, thus damaging my credit score. I have called in every month to company and each time they state they just do n't have enough staff to process claims and there are system problems and my claim is not yet processed. I since paid the charges to prevent further damage to my credit score and am now trying to recover the money from Macy 's. 

Company response: Company chooses not to provide a public response
Consumer complaint: Who it may concern, My company sales through the phone computer and services. My Merchant Account Manager is Bank of America. On XXXX, XXXX 2016 ; I received a request from Senior Procurement Manager of XXXX a quote for XXXX Laptops. After some basic verification, I send a quote for XXXX laptops. This quote was sent because the Senior Procurement Manager of XXXX XXXX told me by phone send only XXXX laptops to Alabama and the next will be send to other office. This Senior Procurement Manager of XXXX told me that company will paid with a credit card, which I accepted because we have merchant account services with Bank of America. Before to process the credit card I called at Bank of America several times, as is show in the report of my phone records. I called to verify the credit card information and the good standing of that credit card to process. 
XXXX XXXX ( XXXX ) XXXX Outbound PST 3 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 22 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 8 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 4 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 1 Minutes Bank Of America In all those calls the Bank of America representative told that those credit card was in good standing to process. So Bank of America always state " the credit card is ok and do n't worry about that, and your money will transfer to your business account XXXX hours after the transaction was made. '' I order my distributor to ship XXXX Laptops. The laptops were ship to Alabama. XXXX shipped the laptop on Saturday XXXX, 2016. Until that day Bank of America never call me. AFTER 5 DAYS, On Monday XXXX XXXX, 2016. A Bank of America representative call me ; he identifies himself as XXXX XXXX. This called happen in the morning around XXXX XXXX. I miss the first called, so I return the called and spoke with him. In that call he ask me for the invoice for that transaction. I sent the invoice and credit card authorization form that Senior Procurement Manager of XXXX XXXX sent to XXXX. 
Around hour later XXXX XXXX called me again to tell me that that transaction was a fraudulent transaction. That this credit card was report stolen. I explain him that I called Bank America representative to verify the good standing of that credit card, and he told whoever answer the call never verify the information of that credit card. He apologized for that and hung me up. I called one more time to customer service and open a complaint with a supervisor. This supervisor told that someone from Bank America will call me in the next two or three business days. After a week I called again but the representative told me that this is not a Bank America problem. 
After that I called one more time and I spoke with a supervisor who identify himself as XXXX and he state that his employee ID is XXXX. He refused to give a case number for this complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a cardholder with Best Buy Credit Services and I was automatically enrolled into a debt protection service without my knowledge and I have been being billed on a monthly basis. I rarely look at my statements and noticed it today when I was paying my bill. Upon contacting Best Buy at XXXX, I was told that I was enrolled since XXXX/XXXX/2011 and have paid a total of {$150.00} into the program. I am requesting a FULL REFUND of this amount, in addition to any interest that I may have paid on top of this amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: I mailed a dispute to Transunion on XXXX/XXXX/2016. Approximately one or two days later I discovered another Separate Issue regarding a distinctively different account on my credit report. As such I filed a Second Dispute regarding a totally separate issue. 
I received a letter from Transunion stating that they received a dispute from me on XXXX/XXXX/2016 and " ADDITIONAL INFORMATION '' ON XXXX/XXXX/2016 AND THEREFORE THEY WILL BE ADDITNG 15 DAYS TO MY INVESTIGATION now ending on XXXX/XXXX/16. 
The second correspondence was not " additional information '' and was completely unrelated. I am applying for needed credit and need these matters resolved within the time frame allotted by law. My disputes should be resolved by XXXX/XXXX/2016. 30 days not 45 days. 
Thank you. XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a credit card with Cit Bank a couple of month ago. I just realized that they are not displaying the minimum payment warning table. This is the table to inform consumers of the monetary cost and time it will take to pay off a credit card balance if they only make the minimum monthly payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. 
The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting over XXXX XXXX XXXX XXXX different names that are totally wrong. Experian is reporting addresses where I have never live at. This CRA is not correcting this erroneous information, even when I submitted a copy of my FL state driver 's license an my C concealed arm permit in support of the dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called customer service at XXXX at the number of XXXX on the phone with the Rep asking for the number of a cell benefits insurance. On the phone for XXXX mins XXXX sec The rep did n't know of the benefit and transferred me to another rep. The other Rep did n't know anything I ended the call and Tried The phone number of XXXX. The Rep XXXX tried to verify my account Verify about my name, my address, a car loan, how much I was paying for this. Then asking me for my password on the account. The Rep before was able to verify that password the first time I called. XXXX said my password did n't match and could not help. He transfer me to XXXX who was a SUP. Asked all the Same questions then told me she could n't verify the account as well. Then Then transferred me to a manager XXXX XXXX also told me she could n't help. XXXX started fighting with me that she could not help. She kept pulling me on hold for long times of XXXX mins. Then hung up on me. I was on the phone for XXXX and XXXX XXXX. I then called back at XXXX I talked to XXXX in FL she told me she was able to verify my account and change the password. I told her I wanted to be compensate for the bad customer service after being on the phone with her and her talking to her manager after verifying my account and changing the password on it. The manager XXXX told me she was not able to verify and would not help me. after being on the phone again for XXXX mins. 
Desired OutcomeI would like to be compensated for the XXXX mins of wasted time. How customer service tried me. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband received a call from an XXXX number while we were traveling on vacation. I answered the call and no one was on the other end so I hung up. When I called back, they identied themselves as " member services '' and not a credit card company. Eventually, I came to an understanding that they were credit card company and they said my husband have a past due balance. We never received an initial statement or any subsequent statements. My husband told them that they could talk to me because he was driving. I had hoped that we could resolve the issue on the phone but apparently not. 

I do n't understand why they identify themselves as " member services '' and not a credit card company. If they would identify themselves correctly, people may think they are something besides a telemarketer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a trial modification under the XXXX XXXX guideline, I was offered the standard modification XX/XX/XXXX. XX/XX/XXXX I ordered an appraisal and a letter was overnighted to Bank of America as servicer. I wanted to know why I was offered a 6.125 % when the XXXX XXXX as investor /owner offers 4 %. XXXX XXXX XXXX to Market LTV guideline indicates the interest rate is determined by the value divided by the outstanding balance. My numbers are $ XXXX {$190000.00} is XXXX. Anything above XXXX % then the rate is supposed to be higher. Every little bit counts at this point I have a lot of catching up to do financially. To date, my inquiry is unaddressed. I have put in calls to my Bank of America contact XXXX XXXX and no response. Since my loan was formerly in foreclosure I am only allowed XXXX point of contact that does not return calls or letters. Time is very limited as the official loan modification was to sent XX/XX/XXXX. Instead, I had sent an appeal with the original letter and appraisal. 
I would like Bank of America to return my call to discuss as I really do want a loan modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2007, I was a victim of identity theft. As a result, the IRS charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the IRS reported the tax liens to the XXXX credit bureaus. After several years of disputing the debt with the IRS, and with the help of the IRS Advocacy group, the IRS conceded that I did not owe the debt and removed it from my file. However, they refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get the bureaus to remove it, but because its the IRS, they do n't want to do it. I finally called the IRS Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force the IRS to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at one time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all. 

Company response: Company chooses not to provide a public response