AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian has failed to remove a canceled judgement by XXXX Bank from my credit report. The other XXXX agencies have done so. The address identification number used by Experian is XXXX. The authorization to cancel judgement by XXXX Bank was filed on XXXX XXXX, 2012 in the state of North Carolina at XXXX county district court ( XXXX XXXX XXXX ). 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 

I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area. 

I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citi XXXX XXXX advertise that XXXX of the benefits of the card is redeeming Thank You Points for XXXX cents per point if you use the points to purchase tickets on XXXX XXXX ( or XXXX cents per point for tickets on other airlines ) through their designated travel agency. What they do n't disclose anywhere is that the cost of the tickets are inflated. ( i.e. they charge more for the tickets than any of the ticket booking sites like XXXX, etc. ) In some cases, its only {$2.00} - {$15.00} more but its still not fair. Citi - please disclose how this program really works! 

Company response: Company chooses not to provide a public response
Consumer complaint: Borrowed {$300.00}. And had a 100 dollar fee. Then a 55 dollar fee then the day it was due they added another fee of 55 dollars! I ended up paying 500 dollars for a 300 dollar loan! Somebody ripped me off! Thanks! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My father was a XXXX Veteran. He purchased a home using a FHA loan in XX/XX/XXXX. In XX/XX/XXXX he passed away. None of the heirs are in a good enough financial position to assume the loan. I am the youngest son and I am actually living in the house right now but I am unemployed and do not qualify for a loss mitigation program. The house was put up for sale with no success. My father 's sister ( my aunt ) was interested in buying the house through the short sale program but I am told relatives do not qualify for this program. I find this rule discriminates against the relatives because it essentially allows non-relatives to purchase the home for a lower price than a true relative can. I, as a son would basically lose a home and the family would lose an inheritance if relatives are not allowed to use the short sale program to save the property. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, and phone numbers, and erroneous credit information, which have been illegally displayed and continue to be displayed on my credit file, be verified, and if verification can not be made within 30 days time frame allowed to Experian by law. the disputes listed in my original complaint must now be completely removed from my credit report ( Experian has now legally exceeded the time frame allowed by law ). 
Experian legal staff will agree that compliance with this request under the laws of the FCRA and Colorado and Federal statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or complete withdrawl in writting of any claim. 
Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. this inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by law. 
in the event of noncompliance, i reserve the right to file charges and /or complaints with appropriate county, state & Federal authorities, the BBB and XXXX XXXX associations for violations of the FDCPA, FCRA and Federal and State Statutes on fradulent extortion. 

XXXX XXXX XXXX XXXX XXXX Co, XXXX is the only address that should be legally associated with my credit report, I have never lived at the other address that have been associated with my credit report, as I also do not have a phone, this phone number should not be associated with my credit report ( XXXX ) XXXX, please remove this inaccurate information as soon as possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: OAC was contacted by XXXX Credit Reporting regarding a dispute I filed and indicated to XXXX that the debt was still active. OAC has placed a debt on my credit report in error and sent me a letter indicating their error. This debt was sent to OAC collections in error by XXXX XXXX XXXX. TransUnion will not remove this debt from my credit report because OAC provided the false statement that this debt is still active. I have attached the letter I received from OAC indicating their error and false statement indicating they have sent notification to the credit bureaus requesting they delete this item. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I canceled internet service with XXXX in XXXX of 2015 after a XXXX months of successive incorrect billing for service that even their customer retention department admitted was incorrectly billed too high and made adjustments to my account. Successive bills still had the improper billed amount so I canceled service. 

I received another bill from XXXX and was advised that I would get a final bill that would show any remaining balance or credit. 

I received a phone call from a debt collector on XXXX/XXXX/2015 regarding a past due amount to XXXX for {$45.00}. I disputed the charge and immediately went to my local XXXX office. The CSR girl said " No, you have a credit balance '' and was unable to print anything official, but did hand me a print out of her computer screen that shows a credit balance of {$110.00}. 

I then received a bill from XXXX also dated XXXX/XXXX/2015 that shows a completely different amount of NEGATIVE XXXX and " NO PAYMENT DUE ''. 

I then received a bill from Stellar Recovery XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX XXXX dated XXXX/XXXX/2015 for {$45.00}. 

After several calls to XXXX I got several promises for calls back to take care of the issue. I have almost an hour 's worth of audio recordings of these calls and never received a call back. 

Stellar Recovery states that they can not do anything and XXXX states that because it has been turned over to collections THEY ca n't do anything. I 'm stuck in the middle with nearly a XXXX point hit to my credit report and neither company will acknowledge my issue or assist in rectifying the situation. 

As of my conversations with XXXX today ( XXXX/XXXX/2015 ) their customer retention specialist " XXXX '' acknowledged that there was a balance I owed of {$5.00} BUT XXXX owes ME {$40.00}! 

Again, this is on my credit report, XXXX owes ME money, and no one is willing to correct the issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had my account locked for no reason by NetSpend. I sent in all the accepted documents that also had to be within 30 days. My bank statement was dated XXXX/XXXX/2015. And I then got an email 5 hours later of faxing the information stating it was not within 30 days. I have {$5400.00} in that account and proved who I was multiple times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have filed disputes with Experian regarding files on my credit report. Items that should be removed. Experian appears to be processing them and not investigating the matter properly. I have sent letters via certified mail demanding an insight in how these investigations were conducted, who was contacted, names, dates, and so forth as allowed under the FCRA. Experian has not responded nor sent information regarding this matter back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I prepared my XX/XX/XXXX income tax online. The netspend prepaid credit card was an option for receiving my refund faster. When I efiled my final form the screen stated my card would be mailed that week to expect it by XX/XX/XXXX. I have had a restraining order against my husband for XXXX years and stealing my mail is XXXX of his favorite pastimes. I immediately phoned netspend that card was cancled a new card was issued and after explai XXXX g my concerns an activation code was placed on my card. Net spend issued him a XXXX card without my authorization got him his card XXXX day before mine never enforced the activation code and he withdrew XXXX $ a day before I received my card. I faxed the company my written complaint XX/XX/XXXX. They claim they never received it.XX/XX/XXXX he withdrew the money from our local XXXX bank. XX/XX/XXXX at XXXX is when I received my card. I immediately attepted to activate it. When I did no activation se urity code was required as I was guaranteed would be. My balance showed XXXX $ less. I called customer service and they explained that a XXXX card was issued by them. I was furious. My lender is ready to foreclose on my home and I dont see why I cant get my money. They are past all regulated days allotted and I cant even get an update much less the refund I should of been given weeks ago. I have several emails qhere they admitt fault claim they counseled staff yet im ready to lose my home and its been XX/XX/XXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Bank of America, which is my own bank, took my whole XXXX check from my account to go towards a charged off auto loan. This is only my second XXXX check received. They gave me know warning beforehand. I got XXXX certified letter today that states they took the funds and will take more. I ca n't pay my rent, utilities, meds etc. they took the whole amount. I have read that this is not legal. Please help! 
XXXX, Oregon 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a tax abatement and our escrow payment and balance is not realistic for what needs to be paid. The company will not review the escrow until sometime XXXX which is not fair. This is frustrating because we pay on time and pay extra each month to reduce the principal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX Services is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian will not change payment status from XXXX despite documentation from XXXX and documentation from XXXX. XXXX changed its record to " Satisfactory. '' I have madethree contacts with Experian, to noavail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for an FHA loan by MLD MORTGAGE but denied again because the process XXXX XXXX was looking for information from my significant other whos not on loan. He did not have information to give to him and he did n't want to supply the information because he felt that the mortgage was not his and he was not his client. XXXX kept giving me the run around and he made personal coments about my significant other. XXXX and his processer XXXX XXXX said they would let me know by a certain day but dif not. Myself and my agent reached out to both of them with no response. I decided to switch to another company before my contract deadline. To satisfy XXXX ego he would not respond to any emails or phone calls from the new company to transfer my paid apraisal. Finally after days of emails every one who wanted information from me before he answered saying he will transfer the appraisal. XXXX never shared information with me on why they denied my loan but instead decided to share sensitive personal information to the new company saying that I have a foreclosure which is not true. XXXX is unproffesional and he lied. I need this company to provide proof of my foreclosure to myself and FHA. XXXX went out of his way to email the new company but failed to communicate to me. XXXX could not close the loan but would not let me go anywhere else to close it. So he decided to blackball me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX/XX/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX/XX/XXXX NOT NY. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our loan was sold to Nationstar, they XXXX the mortgage, we filled out paperwork XXXX times for the HAMP, modification, all XXXX times they lost the paperwork, never returned calls, gave us the run around. We sent them payments, they sent them back, keeping the late fee, then later returning that as well. This all started XXXX XX/XX/XXXX, we now have a lawyer, and are being foreclosed upon XXXX/XXXX/XX/XX/XXXX. We tried to send them {$7000.00} in XXXX of XX/XX/XXXX, they said do n't bother. Currently our house is for sale, just went into a sale. Our credit is ruined and we are losing our home of XXXX years. Our credit was stellar and we had never missed a payment. We did pay late XXXX or XXXX but only a XXXX times. My husband and I both work 7 days a week, and pay all of our bills. We have never been through something like this, so stressful and so awful. We are leaving our home soon, and moving on. Nationstar has treated us like trash, never calling us back to try to resolve things. Losing all of our paperwork, returning our payments, and now foreclosing on our home. How can they get away with this? We never had a problem with our loan prior to them getting it. I read to the other stories from other people and it is the most terrible company to exist. Please stop them from taking people 's homes away, no one deserves to be treated like this. I have my child and my pets to care for and I have to move them as well, and it has been daunting. I have owned a home since I was in my XXXX 's, now in my XXXX 's, I will be starting over, thanks to Nationstar. Please, please, please help the people put a stop to this company and their heinous business tactics. I am in tears as I write this because I do n't know what I will do. We have had to had to hire an attorney to help us, and he has had several clients with the same problem/same company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Explanation of complaint against PAYPAL Account : ( XXXXXXXXXXXX ) PAYPAL re-charge of {$380.00} on XX/XX/XXXX to my XXXX XXXX XXXX Credit cardXXXX XXXX XXXX Account Number : ***************** ( mastercard ) I am filing this complaint against PAYPAL because they have recharged my XXXX XXXX XXXX ( XXXX ) credit card account on XX/XX/XXXX for {$380.00}, money that I do not owe to E-bay seller XXXX XXXX ( screen shot of XXXX page ). PAYPAL has not only failed to do a due diligence investigation into the seller 's account transactions, but they are charging me for a product that I had bought and returned, and which in turn the seller resold on E-bay. 

In response to B of A 's letter of XX/XX/XXXX where the back wanted an explanation of charges ( see attachment XXXX ), I faxed the bank the documents they requested where I contested the charge of {$380.00} that XXXX wants me to pay back to PAYPAL ( see attachment XXXX ). I wrote XXXX an explanatory letter about the charge of {$380.00} that I was contesting ( see attachment XXXXa and XXXXb ). In the documents that I originally faxed to XXXX I explained clearly I was disputing the {$380.00} charge because I had returned the item to the seller and PAYPAL account holder XXXX XXXX, which he received on XX/XX/XXXX, XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( see attachment XXXX and XXXX ), and which the seller subsequently re-advertised and re-sold on E- bay on XX/XX/XXXX for {$280.00} ( see attachment XXXX, XXXX, XXXX ). The seller is lying about not receiving back the item and PAYPAL has failed in conducting an investigation of their client 's claim. Instead, PAYPAL conveniently rebilled me credit card account with XXXX ( see screenshot of XXXX page ). I am also including all the documents that I originally faxed to XXXX ( Attachment copies A ) I would like PAYPAL to do their job competently and reverse the charge of {$380.00} from my XXXX account and not harass me with spurious claims from disreputable E-bay sellers like XXXX XXXX. 
Thank you, XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The attached letter to the XXXX of the Bank of America gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will 

Company response: Company chooses not to provide a public response
Consumer complaint: I revoked my ACH authorization because this company is charging me fees ( {$250.00} ) biweekly which they did not disclose to me, and are misrepresenting their interest rate. They showed me a contract with significantly different terms on it and then claimed that I signed a contract with entirely different terms. They refuse to provide me with a copy of this contract, never gave me a written copy of this contract as promised and refuse to disclose a breakdown of how much they claim I owe or of my payment history etc. 

I want to pay the amount that I borrowed MINUS fees & grossly misrepresented interest charges. I am willing to pursue this legally if the company will not accept this as settlement for this loan. 

I ask that this company NOT CONTACT MY EMPLOYER, REFERENCES, etc BUT THEY HAVE AND WILL NOT STOP. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: U.S. BANK-RECOVERY APPEARED ON MY XXXX CREDIT REPORT ON XXXX/XXXX/2015, THE TELEPHONE IS FAKE AND RECEIVED CALLS FROM THIS PARTY AND ON VOICE MAIL.THIS APPEARS TO BE A FRAUDULENT ATTEMPT TO COLLECTION WITHOUT AND VALIDATION TO SUPPORT ACESSING MY CREDIT.SEE ATTACHED XXXX REPORT # XXXX, DATED XXXX/XXXX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a XXXX card holder with BB & T since 2008. I just learned that they put a XXXX block on my account for " susp [ ected fraud '' and then without contacting me closed the account. This reflects poorly on my credit report as it is listed as " account closed by credit grantor '' which is a derpgatory remark. BB & Ts action was arbitrary, capricious and negligent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I placed a fraud alert on my credit report because my social security information was compromised. Experian failed to ask for my telephone number to verify in case a request for credit was made. I discovered this attempted to correct on the Internet however, Experian wanted to charge me for a report. I finally got through to a generic telephone number. I was told my telephone would be on file in 24 hours. A week later, Friday, XXXX XXXX, XXXX XXXX told me that my file had not been updated with my telephone number so my application could not be processed. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I contacted my mortgage lender Bank of America to automatically withdrawal my house payment of {$4200.00} on XX/XX/XXXX from my XXXX checking account prior to my mortgage becoming 120 days late. I let them know I want to stay within the 120 minimum day rule, in accordance to the law, 12 C.F.R. Section 1204.41 ( f ) which became effective XX/XX/XXXX. I am making this complaint due the fact that nothing has come out of my account and nothing is pending. I am currently in review for a loan modification that they are stalling asking for documentation that is irrelevant in hopes to deny me. They are asking for me to show a deposit in my bank statements ( which they already have ) of a cash bonus that I received or a canceled check of that bonus, knowingly that is NOT possible when they have my bank statements during that time frame of receiving that bonus. Bank of America once AGAIN is trying to find ways of how to deny eligible applicants for a loan modification, struggling to keep their homes. I have been trying to get a loan modification since XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: After getting a landline phone and number, we started to get debt collectors calling for debts that do not belong to us and that the people they are looking for we have never heard of. We tell them that there is no such person, however, these debt collectors keep calling!! Can you help us? XXXX of the companies is " Enhanced Recovery '' at XXXX and XXXX. Another is XXXX XXXX ( or that is what it says. However, that is not them. 

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