AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I disputed XXXX XXXX XXXX account number XXXX to Experian. On XX/XX/XXXX I was foreclosed and the property was re-disposed back to the lender. The judge said I was no longer attached or responsible for the mortgage anymore. The Independent Foreclosure Review found XXXX XXXX XXXX for improper foreclosure practices. They wrongfully turned down a modification. XXXX was in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes. Now is XXXX XXXX XXXX. Now XXXX XXXX the Florida Attorney General and the Consumer Financial Protection Bureau have reached a settlement with XXXX. XXXX is operated by XXXX in which was found guilty of mortgage fraud. XXXX XXXX XXXX is trying to collect a mortgage I do not own. I disputed this claim to XXXX and XXXX and they deleted it from my credit report no questions asked. Experian only deleted the foreclosure but not XXXX XXXX XXXX account XXXX. This was about three years ago. Experian back then told me it would be deleted XX/XX/XXXX which is 7 years. Now I called Experian and now they tell me it can not be deleted only to be moved from a negative account to good standing account which the account becomes positive. I explained to XXXX why is this staying on my credit report file if I do n't own it and the other credit bureaus deleted it 4 years ago. Also I mention to him the statue of limitations is 5 years in the State of Florida to collect a debt which is way pass its time. Again, he could not answer me. His final words to me ; The XXXX XXXX XXXX account XXXX is going to a positive status between XX/XX/XXXX to XX/XX/XXXX. It will stay positive in good standing section and deleted from the negative section. He said they can not Re-Aging the account, its illegal. If they do it will be deleted automatic. Right now they need to closed the account for it to be completely deleted other wise it stays on in good standing. He suggest I contact a lawyer. Please reinvestigate this matter and delete the disputed item as soon as possible. Thank you for your time .... 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my bill in full for {$240.00} to XXXX XXXX XXXX/XXXX/XXXX. In XXXX XXXX and XXXX XXXX I was informed by XXXX XXXX Collections that the bill was not paid. I called the original creditor and XXXX XXXX XXXX alerting both to the fact that this bill was paid in full and should not be in collections. XXXX XXXX concurred that the bill was paid in full and that they would contact the collection agency and make a correction as my account was closed and no outstanding debt remained. In the interim my credit watch services continued to in form me of no change in my delinquent status. I was put in contact with Experian and disputed the false information. I informed Experian that I had a copy of the original bill and proof of payment via credit card on XXXX/XXXX/XXXX. I requested to send the latter proof to Experian but they advised me that the dispute was with XXXX XXXX who they would contact and sending this information would not be essential or helpful ( in retrospect very poor advice ). I received via mail from Experian a summary of their so called investigation which just stated that this is my debt and the outstanding amount would be on my file until XXXX. I have subsequently called with Gold Coast Collections again and told that they were not aware of a dispute and they would initiate an investigation XXXX/XXXX/XXXX ; I must add they were very rude condescending and made intimations suggesting that I must be lying and their information was always correct. On XXXX/XXXX/XXXX I also contacted XXXX billing via phone they confirmed that their was no outstanding bill ( again!!! ) and according to their records my previous calls were documented as " hang up calls '', hence the error was not previously corrected with the collection agency although I owed them nothing. I again requested that the correction be made immediately and was reassured that this would be done. 
Needless to say I received no further information from Experian, XXXX XXXX or XXXX XXXX Collections. My credit score has plummetted from XXXX to XXXX do to the lack of action of all XXXX who have all the power to wreck my credit by false reporting and failure to correct the obvious errors. I need my credit restored to its original near perfect status but the consumer is held hostage in my case and I am sure this represents false reporting and unfair trade practices. I am not able to afford a lawyer at this time to insist on these corrections but may not be able to do without one. This should not be allowed to happen and both the origin creditor and collection agency are liable and should be subject to serious fines and monitoring for unfair and malicious practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went down to best buy XXXX of 2014 and purchased a laptop where I was putting it on my best buy credit card that I currently had with them. When I purchased it they asked If I wanted to put it on my Best Buy credit card and I said Yes. So the purchase was made and I had automatic payments set up so that it would be paid off in a couple of months. XXXX XXXX to XXXX XXXX I received a letter in the mail from best buy stating that I have not made any payments to the credit card and they hit me with multiple late fees. I tried to explain to them that how is it possible to have more than XXXX credit card with them through best buy and that I purchased it knowing that it would go on the current credit card that I had with them. I asked them to remove the late fees and I just paid it off. Best Buy would not remove the late fees or would they remove it from my credit. Due to this error my credit score has declined and now it is hindering me from getting any loans or any type of credit. They said they understand my point but would do nothing to resolve it. If I knew that they were going to open a separate card I would have declined it. I just want it removed from my credit, It has all been paid off and I just want it gone from my history because it was not my fault that this happened but I have not had any help in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card with USAA bank and defaulted on the card. I called USAA bank to settle and they told me that I cant because they wrote it off as bad debt and they sent me a XXXX back in 2013. They sent it to an old address.I requested a copy but they still are reporting a balance on all XXXX credit bureaus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a loss mitigation package to attorneys for servicer SPS. On XX/XX/XXXX, I received the denial letter dated XX/XX/XXXX, from SPS 's attorneys. It was XXXX months late, it had an incorrect NPV gross monthly income amount and incorrectly denied HAMP Tier 2 eligibility. On XX/XX/XXXX, I sent SPS 's attorneys a notice of appeal consisting of an explanatory letter and XXXX spreadsheets showing my waterfall calculations. By letter dated XX/XX/XXXX, SPS denied the appeal claiming I had provided no documentation and it was past the 30 day appeal deadline. I responded by letter dated XX/XX/XXXX. All cited letters are attached herein. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect. 
We worked with XXXX XXXX for over a month and he assured us over and over that we would have to pay nothing out of pocket even when our house sold for less money. It is our opinion that the XXXX XXXX was incompetent in doing his job because he would never respond. When we got to closing on Thursday, the closing documents said we owed {$1400.00} out of pocket. When we called the lender, XXXX acted like he did n't know what was going on. It was super stressful since we had a deadline to get out of the house that we just sold. He adjusted the paperwork and resent it. The resent paperwork was incorrect and said we were going to owe money out of pocket again. Our realtor noticed that he made mistakes with the numbers on the paperwork as well! He had the property tax incorrect and the home warranty incorrect. We wasted all day Thursday because he could not get the paperwork right. He refused to eat the cost over his mistake and made us pay for it. We had no choice to go with it because we were backed into a corner and would have been homeless. We were supposed to move from our old house on Friday, but instead we did not close until Friday afternoon. So now, we have an extra {$1400.00} on our loan that we could not afford because of his mistake. We had to cancel movers and move them to Saturday which we had to pay premium. We had to rent a XXXX because we only had 2 days to move out of our old house instead of XXXX due to this guys mistake. We wasted a lot of mileage, gas and tolls going there on Thursday when the paperwork was incorrect. We had to take off an extra day of work that we did n't have because he made us lose a day of moving. I wish we would have went with another lender because now we are paying over budget due to this guys HUGE mistake. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015 my bank card was lost and someone began using my card right away, making purchases that I did not authorize. I immediately contacted US bank and informed them of what was occurring. While on the phone with the representative I identified transactions that occurred throughout the day of " my '' spending. The representative then identified transactions that he say occurred and I was able to inform him of transactions that I did and did not make. He stopped the card and while on the phone he indicated that he could see transactions occurring that where coming back as declined. Before we ended our conversation I learned that XXXX of the transactions was reversed for some reason, ( I later learned from the store that the individual that was trying to make the purchase with my card ran out the store when asked for my signature, the manager of the store was able to show me the receipt ). I have been monitoring my account and did not see anything else reversed on my account nor money added. I received a letter in the mail a few weeks ago indicating that the investigation was complete and that they were charging my account for some of the purchases that I had already made and initially told the representative that I had made. Also the purchases that I did n't make I was being told that they were authorized and would be charged back for them as well. I began calling US bank for several days requesting to speak with the agent that handled my claim only to speak with their voicemail. I have provided XXXX different numbers to be contacted at and as of today I have still not received a call from the agent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either XXXX of them I paid {$150.00} for each bkpt the house in XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM XXXX. In XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion. 

Company response: Company chooses not to provide a public response
Consumer complaint: Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: US BANK made a cash bonus offer via e-mail for switching to US Bank checking. The letter said if I open an account with them by XXXX XXXX 2014, I will get a cash bonus of {$200.00}. I had satisfied all the criteria including making a direct deposit arrangement for this account and opened an account online using the offer code XXXX. But it has been more than 7 months and I have not received my cash offer. Moreover, US Bank just this month closed my account because they are intellectually incapable of serving me as a customer. I do not bank with them anymore anyway but I want my cash bonus offer of {$200.00} paid to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 I sent Quality Asset Recovery a letter asking them to VALIDATE not VERIFY the debt they are attempting to collect from me. They have also reported this debt to the XXXX credit bureaus without my consent or awareness. I am very upset that they have tarnished my credit with this outrageous claim that I owe them any money at all. They have prevented me from obtaining any future credit and all attempts to communicate with there very rude representatives over the phone have gone no where. They have violated my rights under the Fair Credit Reporting Act and have not even followed the Fair Debt Collection Practice Act which states they have to to stop all collection activity while the debt is being investigated and disputed. They have blatantly ignored my letter to them which I have attached as proof. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX, I went to the Experian website to remove a freeze that I had previously placed on my credit report after XXXX got hacked. The number associated with that freeze is XXXX. I entered my debit card info for the {$10.00} charge to remove a freeze. Experian then charged my account XXXX separate times at {$10.00} each. I have been unable to get a response via phone ( interminable hold for an agent ) or via customersupport@experian.com. 

Company response: Company chooses not to provide a public response
Consumer complaint: this began when XXXX told me the only way they could modify my mortgage was for me to be behind on my pymnts. This was back in XXXX. The loan person said that if I would miss XXXX payments, then I could apply for a modification, and they would then be able to help me.. But as long as I was current, they could not modify my loan. So, i missed the XXXX payments they told me to, and applied for the modification. I did everything they told me to do,, The paperwork was incredible,, and I have submitted XXXX times,, re- submitted,, re-supplied " lost documents '' to them,, they have given me nothing but a complete run around. Now, as of XXXX XXXX, they transferred me to SPS..I was assured by SPS that they would get the modification done quickly and effectively,, and they apologized about what XXXX had put us through,. Ok, It is no different with SPS.. they have asked over and over again for the same documentation,, and I have provided it. The only thing I can say is that SPS allows me to submit via e mail,, and that helps a lot,, it also gives me proof that they received the documents. It is much better than faxing over and over again. So, the amount of money they say I am behind is incorrect. The payment when it was with XXXX was figured wrong for about XXXX months, becuase XXXX messed up my escrow analysis. XXXX wrote me in XXXX of XXXX telling me finally, that they had messed up my payment amt,, and that I was correct, and that my payment was not {$1500.00} per mo,, but it was {$1000.00} per mo,, then,, they transferred it to SPS,, and sps is using the incorrect amt of {$1500.00} too.. Even thought hey can clearly see my statements from XXXX,,, and even the sps statements show the XXXX amt.. ok,, it has now been XXXX months with no modification. PLease help me.. This has ruined my credit,, I was at a XXXX credit score when this began,, the hardship lasted XXXX year,, we can make normal payments,, my credit score has gone down to XXXX because of this XXXX.. and clear violation of my rights. They are running rough-shod all over me,, and no one will listen.. We are good people.. I am not leaving my home,, my mom XXXX in this house,, I raised my XXXX boys in our house,, I just want a modification.. Now, they say that they need XXXX more months of bank statements. that the last batch I sent them, the underwriters could not decipher the income on the deposits.. even thought the deposit amounts match the XXXX income statements exactly. We are XXXX employed, ,have been for XXXX years.. have good income,, all our tax returns are in order, ,they have them all,, This is our primary home,, I am begging for you to help me, XXXX My files on XXXX and SPS are over XXXX " thick XXXX. I have kept all correspondence.. they have not filed foreclosure ... .they are asking me if we have a copy of the note,, they can not find it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: 1. XX/XX/2015 (? ) I cancelled autopay for XX/XX/2015 and then asked about late fee and I was told there was a 13-day grace period before late fees would be posted. Rep 's actions and info had me breathe a sigh of relief and asked to speak with his supvsr to give him a compliment. 

2. XX/XX/2015 : Autopay went thru anyway. I called again rep stated that autopay had been cancelled but had not posted on their system yet so if it did not show a reversal on XXXX to call back on XX/XX/2015. 

3. XX/XX/2015 : Called, explained the entire situation AGAIN and this time was told could not reversed because it would put my acct into late status ( regardless of 13 day grace period ). Asked for supervisor and rep was on hold too too long attempting to get a supvsr, ( acc to bank policy ) and she would have to end the call. I was not allowed to hold any longer. 

4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me. 

I was ( am ) having financial difficulties as it is, and NOW my checking acct with a different bank is overdrawn and will have to pay approximately XXXX in overdraft fees! 

AND prior to this, on XX/XX/2015 ( I think ) I was taking care of a pymt and when asked to verify my address they had an address in a city and state where I have never been in my life. They said they made the correction but just in case I called again and they still had the wrong address. So far now, I think, my address is correct again. I am still waiting for an answer as to how and why this happened. Because of the wrong address, I did not receive a stmt and the reason I had to cancel the autopay to begin with. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! 

Company response: Company can't verify or dispute the facts in the complaint