AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I filed an complaint with US Bank on XX/XX/2015, I advised US Bank that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure US bank are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise US Bank company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that US Bank are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If US Bank fail to respond in writing, signed by hand, in a timely manner, I will assume that US Bank are in error and this matter will be challenged. As US Bank further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and US Bank claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, US Bank have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : Fair Credit Reporting Act and Dispute with XXXX Account No. XXXXDear Federal Trade Commission, The brief Summary of my case is mentioned below for your review and resolution:1. I have discussed this Billing case with XXXX XXXX dept. and was advised by the consultant to send the details of this case to them and XXXX will send the corrected credit data to the credit Bureaus. But I have not received any response from XXXX yet ; in spite of many phone calls & reminders. 
2. I switched my Phone/internet service to XXXX after informing previous carrier XXXX in late XXXX XXXX Associate told me that I will have to pay early termination fees & estimated amount was not available with them in XXXX XX/XX/XXXX.I was informed that Bill will be mailed to me soon which should be paid on receipt. But I NEVER received any Bill/Statement from XXXX in next three months.Then I have to travel XXXX for 4 weeks in late XXXX to see my very sick sister.I have paid the full Bill of {$200.00} on my return XXXX and which has also been confirmed by XXXX. 
3.However, in the meantime XXXX has reported to Credit Bureaus ( & without first sending me the Bill ) that I am delinquent on their payment.I am not listed on their Online Billing protocol so I have to receive paper bill.Verizon did not call me and or e-mailed about this bill. Therefore this action on part of XXXX is NOT justified and legal under " Fair Cerdit Reporting Act '', Section 15 USC XXXX as this Act directs all Institutions and corporations to make sure to send only accurate and fully credible reports to Credit bureaus after fullfilling all standard billing requirements. 
4. I have called XXXX many times and discussed this issue with XXXX XXXX dept. and also with Billing section with XXXX XXXX and XXXX XXXX on XX/XX/XXXX.XXXX I have not received the copy of Bill ( if it was mailed to me ) and or any explanation about this misreporting on about my Credit. 
I will appreciate it if you wil take up this issue with XXXX and resolve it as early as possible.If you have any questions, please feel free to call me at XXXX or e-mail your questions at XXXXXXXXXXXX. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX MD XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my Experian credit report, I noticed that EXPERIAN has placed an ALERT/NOTICES OF RISK stating that XXXX XXXX XXXX, XXXX, NY XXXX, as pertained to business and XXXX XXXX XXXX, XXXX, XXXX XXXX, as well. This adverse information is inaccurate and to permanently removed. 
I noticed that an unauthorized inquiries was initiated by XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; and XXXX on XXXX/XXXX/2015, by employees of this companies without my written consent in serious violation of my Privacy Right Act and FCRA. I have requested that any evidence be sent to me within 5 business days to support my consent of the inquiries.However, my request has been deliberately ignored by these companies and EXPERIAN has failed to properly investigate the matter as required under the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent Transunion a letter XXXX XXXX 2015 questioning several accounts on my credit reports. I sent the same letter to the other XXXX credit bureaus. They responsded. Transunion has not yet responded and it is way over 30 days. They were supplied with copy of my drives license, social security card, and a current bill copy. No reason to not write me back. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint involves Bank of America ( BOA ) Mortgage Account. BOA escrows the funds to pay my homeowner 's insurance as a part of my monthly mortgage payment. 

In XXXX of this year, BOA informed me that starting in XX/XX/XXXX my monthly mortgage payment would rise from {$3400.00} to {$4100.00} to cover my newly received homeowners insurance bill for XXXX XXXX through XXXX XXXX of {$6400.00}. 

I immediately contacted my homeowners insurance company, XXXX. My normal homeowners ' annual insurance coats were approximately {$2100.00}. I continued to make my usual payment of {$3500.00} ( the mortgage plus {$6.00} towards the principal. ) XXXX explained that the total of {$6400.00} was for THREE YEARS : XXXX XXXX through XXXX XXXX and could be AMORTIZED over three years. And did NOT have to be paid in one year as BOA was attempting to do. This would return my monthly mortgage back to its original amount of {$3400.00}. This amortization could be retroactive back to XX/XX/XXXX when BOA first attempted collect the higher monthly mortgage. In fact my homeowners insurance had not gone up at all. 

On XXXX XXXX, XXXX, the XXXX XXXX notified BOA of the three year amortization. However, BOA continues to demand the larger payment of {$4100.00}. When called BOA ACKNOWLEDGED RECEIVING THE COMMUNICATION FROM XXXX. 

Last week, I was notified by a credit watch agency, BOA has posted on my credit reports a MORTGAGE DELINQUENCY, even though I have continued to pay my mortgage on a timely basis. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed an complaint with XXXX XXXX XXXX on XX/XX/2015, I advised XXXX XXXX XXXX that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure XXXX XXXX XXXX are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise XXXX XXXX XXXX company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that XXXX XXXX XXXX are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If XXXX XXXX XXXX fail to respond in writing, signed by hand, in a timely manner, I will assume that XXXX XXXX XXXX are in error and this matter will be challenged. As XXXX XXXX XXXX further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and XXXX XXXX XXXX claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, XXXX XXXX XXXX have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: The original creditor of this debt is XXXX XXXX that was notified back in XXXX 2012 of a chapter XXXX filling and sold this debt to MRS ASSOCIATES INC. XXXX XXXX NJ.I spoke with this company directly back XX/XX/XXXX and gave them all the required information such as XXXX XXXX knows that I 'm under a chapter XXXX, .MRS associates Inc tried to put a collection on my XXXX report and it was removed.I received a credit alert from my XXXX report that says this same company has reported a collection.This company is jumping from one company to another reporting this as an open collection and it is not.This matter needs to be addressed regarding tactics being used by debt collectors.This company was notified that the original Creditor was informed back in 2012 of the chapter XXXX bankruptcy and I do n't know why they are jumping from credit agency to credit agency 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been paying this loan and the balance owed on the the loan remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Wells Fargo Mortgage back on XXXX of 2015 to ask for a payment plan because I was two months behind, I wanted to make two payments for the following two months, but the customer service representative advised me that they have a modification plan that I can qualify for which is meant to help in this kind of situation and mean while I ca n't make payments until I am approved. I have been in and out of XXXX modifications in the past 11 months. And the payment due kept increasing and growing to now XXXX. I feel I have been cheated and mislead to lose my home intentionally. Every time I try to complain they state that the person handling my account left the company and assigned his work load to another. I intend to keep my home and I want to take my case to court have this investigated. I was able and willing to make the payments before they grow so high and they intentionally waited until it was beyond my means to pay to take my home from me. I have been paying this home for the past 17 years with no problems. Until now. I intend to seek legal help and to contact the local bank and mortgage regulatory entity in my state and file a formal complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greentree and now Ditech both have failed to properly apply extra monies from my monthly payments to principal. After numerous complaints to them to correct the issue I still do not have my account updated and corrected. 
- Writing how to apply funds on check and statement and mailing it. 
- Calling and having them to document it. 
- Using their website ( auto pay ) they took more than authorized twice. 
After going them the required 30 days to look into the matter, they sent me a payoff quote that was no different than what I could pull off their web-site. There was no adjustment and no comments on looking into the account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I just received my credit report from transunion and it has a list of my past addresses however there are XXXX addresses on there in states that I have never been.Upon further research the XXXX addresses are not businesses but single family homes. 

Company response: Company chooses not to provide a public response
Consumer complaint: This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I took a personal loan of {$10000.00} from One Mian Financial Services - also doing busines as CITI FINANCIAL. I paid for the insurance in case of illness. XX/XX/XXXX I was diagnosed with XXXX. The insurance paid, however, in XX/XX/XXXX and XX/XX/XXXX the payments were late. CITI sent my account to XXXX XXXX XXXX - their internal collection dept. My insurance paid the account bringing it current in XXXX XXXX. XXXX refused to take the account back and I continued to pay XXXX XXXX XXXX as agreed until the account was paid in full in XXXX XXXX. XXXX / One Main Financial has refused to report this. Instead, they are continuously reporting my payment as late and despite multiple disputes via XXXX and XXXX and talking to One Main directly, they have refused to update my credit report showing the account paid if full. My FICO score has now dropped form XXXX to XXXX - all because this shows I am now 120 days late with a balance of over {$5000.00}. I want this resolved as soon as possible. All late payments should be removed. The balance should show XXXX and the account listed as paid in full. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my bank card, and someone deposited XXXX stolen checks into the account in one day totaling more than 5000 dollars, then took out as much as they could before the card was put on hold ( around 1400 dollars ). The bank did a fraud check and found no fraud was committed. I went to the bank and asked what their decision was based on, and they said that it was because nobody else had my pin, I ask them for copies of the checks that were deposited and XXXX of them where not endoresd and the one that was, was no where near my signature. So i asked them to check the film and see who made these transactions, so they asked me to send them my florida photo id, which i did, then they made the same determination as before without looking at the film ... .someone stole my card and did this without any acknowledgement from me, and now they are saying that I owe them over 1400 dollars. 

Company response: Company chooses not to provide a public response
Consumer complaint: Short sale solutions is working on a short sale on behalf of XXXX XXXX XXXX, she has XXXX loans the first is with XXXX XXXX now XXXX ( XXXX loan ) the XXXX is with Nationwide Credit Inc . Per XXXX guidelines a XXXX mortgage should only receive a max of XXXX from short sale proceeds, nor seller, buyer or agents are allow to contribute. Nationwide Credit Inc is insisting we give them a higher payoff amount despite the fact that we are prohibit to do so per XXXX. The seller has complied to all requirements, has provided all the information requested by NCI that proves her financial hardship, seller is trying to avoid foreclosure, XXXX is willing to work with the offer amount we have, however we can not proceed because NCI is NOT willing to release the lien and issue an approval letter for less than 20 % of the unpaid principal, the total amount due is XXXX. We are afraid this will lead the homeowner into a foreclosure. We can not issue more money to NCI, we would be violation of XXXX guidelines. 

Company response: Company chooses not to provide a public response
Consumer complaint: excessive overdrafts fees {$36.00} and {$100.00}, I am on a fixed income, requested reduction in the amount, bank declined, I have been sick and need to go to several doctors this month, now I can not afford food or to go to doctors 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a loan through United Security Financial being serviced by XXXX XXXX. We are under a VA loan and are currently trying to sell our home, in Virginia. Our appraisal was for {$160000.00} and they are refusing our current offer for {$160000.00} and refusing to utilize the VA short sale procedures. Our house has been on the market for over a year and this is the only offer we have had. They are refusing to accept the offer and want to net more money, even though they will be able to get at least {$48000.00} from the VA 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I made a payment from XXXX Bank online bill pay to Wells Fargo Home Mortagage on XXXX/XXXX/XXXX. Wells Fargo returned the payment on or about XXXX/XXXX/XXXX without any notification or knowledge to me. They started reporting my mortgage as past due a rolling over 40 month past due because of this issue. In XXXX I tried to refinance and found issues with my credit report concerning Wells Fargo. At one point Wells Fargo admitted it was their mistake and an internal error where they had applied the payment to escrow however when audit of escrow showed an overage they returned the payment to my bank when in fact it was ALWAYS MEANT to have been applied to MORTGAGE. I have been working tirelessly trying to get this issue resolved and my credit corrected and all interest and penalties charged to me corrected and me made whole again. I have been requested to give Wells Fargo Information regarding the transaction of XXXX Bank concerning this payment. Please find attached information that I received from XXXX Bank. 
From : XXXX XXXX : Tuesday, XXXX XXXX, XXXX XXXX XXXXTo : XXXXSubject : Wells Fargo payment XXXX/XXXX/XXXX PAYMENT EXTRACT MERCHANT REPORT PAGE XXXX WELLS FARGO MERCHANT ID = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Retail Operations XXXX ( XXXX ) XXXX - Office ( XXXX ) XXXX - Cell 

Company response: Company chooses not to provide a public response
Consumer complaint: The case reference hasprobably been closed However - the same peopleand Wells Fargo - ina continuing attempt toresolve the issues are involved with this complaint. 
We finally agreed to do a deed in Lieu of foreclosureWe recently executed documents ( in XX/XX/XXXX ) and XXXX them to the Wells Fargo people We then called for a copy of the docs and aconfirmation of processwe have NOT received a call, nor a copy of the docs. I recently tried to get a small loan to cover cred card debt ( lower interest ) and wasdenied because OUR HOUSE WAS IN FORECLOSURE!! 
Loan # XXXX -we have no further info sincesigning over title. I can emailthe letter notice ofDeed in Lieu of Foreclosure atrequest. Help 

Company response: Company chooses not to provide a public response
Consumer complaint: FRAUDULENT FORECLOSURE : I TOOK OUT A LOAN BUT THEN MY MONTHLY PAYMENT INCREASED TO AN AMOUNT THAT WE DID NOT AGREE TO. I TRIED TO DEAL DIRECTLY WITH THE BANK BY DOING A LOAN MODIFICATION BUT EVERY TIME I HAVE TIRED, THE BANK KEEPS ASKING FOR DOCUMENTATION THAT I ALREADY HAVE SENT TO THEM. ALL THIS TIME IT SEEMS THAT THEY HAVE KEPT ME ENTERTAIN DOING A LOAN MODIFICATION BUT IN REALITY THE BANK JUST KEPT MOVING WITH FORECLOSURE PROCEDURES. THE SALE DATE IS SCHEDULRE FOR THE XXXX OF XXXX OF 2015 BUT THE BANK HAS NOT SHOW ANY SIGNS OF GOOD FAITH TO TRY TO RESOLVE THE ISSUE IN A DIFFERENT WAY. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a card for Best Buy Stores through CitiBank that I used to finance some appliances. I tried to use the auto-pay option and my billing setup keeps being disabled. As a result I have XXXX black marks on my credit report for a bill that I had the means and every intention to pay. The web interface is obtuse and their customer service refused to work worth me in anyway after I had brought my account current and re-configure auto bill pay. Personally I will be transferring my balance away from them ASAP and I will never do business with either Best Buy or CitiBank in anyway in the future. 

Company response: Company chooses not to provide a public response
Consumer complaint: Commonwealth Financial Systems ; Collection Reported XXXX ; Assigned XXXX ; was disputed with another collection company by the name XXXX XXXX for {$360.00} ) XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the XXXX that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I ca n't get an explanation from Transunion for the recent XXXX point drop in my credit score even though there have been no changes in my file that would cause such a drop. Today I was told that I would have to seek assistance from a credit advisor at my expense. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a unpaid charge card debt. Kohn law firm is now trying to collect on the default judgment against me from XXXX XXXX charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for 

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