AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I disputed the entry for a mortgage foreclosure with XXXX Bank on Experian. They investigated and put the date of XXXX 2015 as the date of foreclosure on the account. I disputed the incorrect date of the foreclosure on my Experian report and they did nothing to correct it. I attempted to get them to fix the information to reflect the correct date of the foreclosure and they will not allow any additional changes to the data on the basis that it has already been investigate. XXXX and XXXX are showing the correct info. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bank with Regions bank and everytime I visit this new branch in XXXX XXXX XXXX, fl I have an issue making deposits or withdraws.I was called by the tellers telling me my bank card was closed out and they would like me to come in to issue a new one.One week passed and the new card was not there.So they canceled that card and ordered another and that XXXX never showed up as well.I became upset and asked to speak with the manager and she was rude.She told me I would just have to wait to get a card or keep coming in to make deposits and withdraws.I ended up going to another branch location in XXXX XXXX and they took care of the whole mix up and situation.I just wanted to withdraw and deposit my money.I am disappointed because i received a phone call today from the other Branch on XXXX XXXX saying that they have to right to close my account for any reason and will be doing so today, so i needed to come pick up the check or they will mail it out.XXXX was the managers name very rude, unhelpful and unknowledgeable. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello to whom this may concern, My name is XXXX XXXX and on XXXX XXXX 2015 I received a letter from Bank Of America stating that they were forgiving my second mortgage debt. I ' am currently in the middle of a refinance transaction and am trying to get the forgiven lien from my property title. I have contacted Bank of America several times now trying to additional information for the title company but I have ben told that they might take any where between 30 to 90 days. This effects my current transaction and locked interest rate. If I do not get anything from them soon I might be subjected to new interest rate pricing or not qualify at all. What I would like is for Bank of America to provide me with a letter to satisfy the lien and have it removed from my title. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Got a {$200.00} gift card from XXXX for signing up. Used it XXXX. Then a credit card bill came in the mail from Sears XXXX XXXX for the amount. I did not apply for a credit card at Sears. They refuse to listen to me. They say to pay it. Now they wo n't even talk to me about it because they have turned it over to collection. They are charging me {$50.00} per month for late fees and interest. I do not have a Sears credit card!!! Now my credit is ruined. 

Company response: Company chooses not to provide a public response
Consumer complaint: " Company has no account in my name but an account in my mothers name for something that took place as a minor " XXXX rep 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the XXXX form of communication I have given them. I am not even 2 days after the scheduled due date, I make payment arrangements on line and they still call. If I talk with them they threaten me saying the arrangement made on line is not Ok, and that they will take the car. Really? I have paid them over {$21000.00} and am not late. Here is the last e-mail sent to them : I have talked with the reps and sent an email to corporate. I have scheduled a payment on line and I keep getting calls at least XXXX-XXXX x 's a day. If I was not able to schedule the payment at that time the online would of not let me. I am not even 30 dys late! I will pursue this further if this harassment does not stop. I have paid over XXXX of the loan and only owe a few more months worth. I do believe that this harassment is because my loan is almost due and you are trying to repossess the car to make even more money on the sale of it. I am requesting that you stop calling my cell phone for a payment that is not even 30 days late. As of today is it only 10 days. The calls start 2 days after the due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have challenged the correctness and truthfulness of a judgment on my credit report several times starting in XXXX 2014 and asked Experian to verify it to be correct to which Experian tells me they have veriiedy as correct ( without doing the verification ) or reflects my request as " suspicious '', or just stalls and tries to explain their process. Experian recommended that I follow up with the Clerk of Courts with any questions about the disputed judgment. I did and could n't verify its correctness. The Clerk of Courts told me that they do not report XXXX verify any information with the XXXX CRAs at any time. I followed up with Experian with a letter telling them that the Clerk of Courts did n't verify that information and questioned their integrity to which I received a letter where they try to explain the process they follow which is in direct violation of the Fair Credit Reporting Act ( FCRA ). They [ Experian ] wrote, " We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed ... '' My issues with this are as follows. 
1. The FCRA is extremely clear about WHO is required to verify the information published on a consumer 's credit report and it is n't a XXXX party vendor that has NO first-hand knowledge of the item. XXXX 's XXXX XXXX XXXX XXXX. Defines " Verification '' as " Confirmation of the corretness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. They ( Experian ) have to have documents that support their claim that they verified the accuracy of the disputed item. It 's the business record ( the documents ) that consitutes the accuracy, not the testimony of a XXXX party witness referring to the documents. In other words, they EXPERIAN are willfully disregarding the law and illegally reporting hearsay on my credit report. 
2. FCRA section 611 Procedure in case of disputed accuracy says that if they [ Experian ] can not verify - they [ Experian ] SHALL delete that item of information from the file. 

They have not verified the information as correct according to the law and since this dispute is well over 30 days, Experian SHALL delete that item from my credit report forthwith. 

The Federal Trade Commission has recognized that the CRAs are publishing inaccurate information on consumer 's credit reports. Please refer to the attached opinion letter written by an attorney from the FTC Re : Section 603 ( d ) & ( f ) of the Fair Credit Reporting Act. Endnote # 1 - " it is important for the consumer to know that inaccurate information IS being disseminated by a CRA ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: This submission updates the XX/XX/XXXX complaint against Renton Collections XXXX Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX Plumbing. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX XXXX Plumbing. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX Plumbing on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX Plumbing otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} XXXX incl. Renton Collections Interest charges ) directly to XXXX XXXX Plumbing that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections XXXX Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I pulled my credit report to find I had XXXX accounts reported from armada who collects for the XXXX clinic. These are doctor bills I did n't know I has so I called the company to try and clear these up with payments. XXXX was for {$76.00} and another was for {$87.00} they then informed me that they had several little bills in their office that added up to another {$200.00} that they wanted paid. The lady told me that if they are not {$50.00} or more they can not be reported to my credit but rather then owing them {$160.00} they now claim I owe them {$360.00}. I made a call to XXXX XXXX who said I need to write XXXX checks XXXX for each amount and submit a letter stating what I am paying and that they are to cash the checks and mark my account paid. I sent checks and letter XXXX/XXXX/15 and received them back in the mail on XXXX/XXXX/15 with a letter stating I need to call their office they are rufusing to take my payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed a previously resolved collections account on my credit report. The account was resolved favorably n 2013, and reappeared recently. Repeated attempts to negotiate with the credit bureaus, collections agent and the original creditor have failed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX , XXXX KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET.. 

Company response: Company chooses not to provide a public response
Consumer complaint: SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to restructure the mortgage on my home for the past few years. I had to go on XXXX. Wells Fargo refused to work with me until I started receiving Social Security XXXX payments. This took approximately XXXX years. When I did have the XXXX payment income I applied for restructuring but Wells Fargo said I did not qualify for any programs. THEY NEVER TOLD ME WHAT WAS REQUIRED TO QUALIFY. In XX/XX/XXXX I started working for my present employer XXXX. XXXX I was forced by Wells Fargo to fill out an entire new application ( I have done this at least XXXX times ) for mortgage assistance. I submitted a new application on XX/XX/XXXX. XXXX Wells Fargo is asking for a profit and loss statement. My application included a profit and loss statement from XXXX XXXX until XXXX XXXX. About XXXX weeks later I was contacted by XXXX XXXX of Wells Fargo and she said I had to send a profit and loss statement for the XXXX financial quarter and that had to be XXXX days long. I asked how was I expected to include the entire month of XX/XX/XXXX when I made the application on the XXXX of XXXX? After sending in a revised statement covering the entire XXXX days At the start of XXXX I was asked to submit statements from XX/XX/XXXX and XX/XX/XXXX since they were taking so long to review my application. At that time I asked what else they would want next? More bank statements? another application? Enough is enough. I was just recently asked to submit profit and loss statements for XX/XX/XXXX, XXXX and XX/XX/XXXX despite XXXX previously telling me they already have them. I feel that these delays and lost documents are intentional and the entire time the meter is still running on my mortgage. Currently my mortgage is about {$100000.00} but I owe over {$62.00} in missed mortgage payments.But those monthly payments included about {$300.00} a month that would be applied to the principle. In other words if I was able to pay off the entire {$62.00} past due my principle would drop to under $ XXXX.So if you deducted the money that would have been applied to the principle and then eliminate the monthly late payments that Wells Fargo continues to add on I basically would owe about {$130.00} principle and interest. That balance with a 2.75 % interest rate and my monthly mortgage payment would be {$690.00} THE AFORDABLE PAYMENT I WAS LOOKING FOR OVER XXXX YEARS AGO. Wells Fargo was willing to foreclose on my house and sell it for only {$100.00} so why ca n't they give me an affordable payment? And why are they continuing to delay working out a positive solution? I am XXXX and a veteran. I should not have to be fighting to keep a roof over my head. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX XXXX my current address XXXX XXXX, Ct XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called XXXX has reported to Transunion that they are trying to collect a bill from me. They say it is from XXXX XXXX XXXX. Several years ago when I had XXXX XXXX XXXX XXXX I had a procedure done at XXXX XXXX XXXX. It was covered under my insurance at that time. I spoke with someone at XXXX XXXX XXXX and they said they would work with my insurance company. They told me they it resolved and now several years later this XXXX pops up claiming that I owe money. Please help me! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX , my current address isXXXX XXXX XXXX, Ct XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We moved in XXXX XXXX and our mail forwarding request was active from XXXX XXXX - XXXX XXXX. Our mortgage lender, Wells Fargo, never changed our records to our new address, even though they had access to it, so all of our personal financial loan information was continually sent to the old address. In XXXX XXXX, we received XXXX letters from Wells Fargo at our new address, so we know they had the new address available, but they never changed our files. In XXXX XXXX, Wells Fargo filed an insurance claim on our old property. The loss was from XXXX XXXX, when we still owned the property and were clearly listed as the insured on the claim. Since our address was incorrect, we did n't receive any of the information about the claim - it went to directly into the hands of the renter at our old address. He opened our mail from Wells Fargo and/or XXXX ( the insurance adjuster ) and used our personal loan information to contact Wells Fargo. In XXXX XXXX, we received a letter from Wells Fargo addressed to the renter, but cc 'd to us, stating they were sending the renter a check based on that insurance loss. They sent him 2 checks totalling {$20000.00} off an insurance claim from when we owned the home and under our loan number. Not only did Wells Fargo hand him all our personal data by never properly changing our records, but they allowed him to contact them and speak with them regarding our loan and our insurance claim. Wells Fargo sent an apology, saying they messed up by sending him the money, but also stated their error did n't harm us because we were n't owed the money. Our mail was opened, our personal information was breached, and Wells Fargo allowed someone to contact them several times using our account information and swindle them out of nearly {$21000.00}. For the bank to say " oops, sorry '' and expect us to sweep this under the rug is beyond insulting. We have no idea how long this will affect us or how far this man will go to use our information for his own gain. Wells Fargo has a responsibility to us and they failed miserably at it. Our personal, financial information was handed over to someone else AND he was allowed to gain access to the largest financial loan we have. 

Company response: Company chooses not to provide a public response
Consumer complaint: College charging me for a semester I enrolled but could not pay for & had to withdraw from. 
College claiming withdraw policy not upheld. 
College did not clearly identify their withdraw procedure, should not civilly have this kind of withdraw procedure, & also implied strongly that they had a normal automatic withdraw procedure. 
College may also be claiming I received student aid benefits, whereas I did not. 

1 ) I enrolled for XXXX class. 
2 ) I attempted to find funding for semester. 
3 ) I failed to find funding, & could not meet my own cost of living bills. 
4 ) the College sends out warning e-mails implying non payment results in automatic withdrawal ( which is normal in my experience. XXXX, XXXX, XXXX, & XXXX all do this, XXXX implied that they do as well. ) 5 ) XXXX claims I owe them for semester that they know I did not attend, & offers repayment options, but obfuscates contention options. 
6 ) Personal attempts to locate an opportunity to contest their claim yield no results, & further investigation requires a dedicated PHYSICAL trip to their campus, when hours of operation are limited, a full days time is guaranteed to be consumed, & no meaningful resolution or promise of helpful information is assured. 
7 ) Because I am finically destitute & spending my time job searching, this is not an option. I do expect XXXX to self identify their mistake & correct it. 
8 ) XXXX sends their claim of my debt to a collection agency. 
9 ) I contact collection agency & request dispute & information. 
10 ) Agency sends information informing me that XXXX is claiming they provided funds for the semester I did not attend, & that I was not withdrawn from that semester ( my first clue that they have a scam policy. ) 11 ) My credit union records confirm that I did not receive funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a loyal customer of Regions Bank for several years. Never have I overdrafted my account. A week ago I noticed that my account had overdrafted. I immediately went to the bank to pay off what I had gone over. To my shock, I had been charged over {$800.00} in overdraft fees, which is more than the amount I had even gone over. After calling, emailing and visiting a branch SEVERAL times over the course of one week, I have gotten nowhere. Not only that but the person I spoke to on the phone with customer service was extremely rude and even laughed at me. Having never overdrafted on my account and immediately replenishing the account, I believe these $ XXXX in fees is unethical and abusive. I repeatedly asked the bank to freeze my account so that if anything else comes in, it just needs to be declined. They failed to do so as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a report on my credit that is now an open collection with a balance of {$350.00} from " XXXX XXXX XXXX XXXX XXXX XXXX. '' This should be covered for and paid by my health insurance. It shows as this : Account # XXXX {$350.00} BalanceXXXX XXXX XXXX XXXXOriginal Creditor {$350.00} High BalanceXXXX XXXX, XXXX Opened DateXXXX XXXX, XXXX Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank Of America failed to give us complete instructions on how to fill out the original loan modification paperwork. We not only had to re-sign all the paperwork all over again, but today will mark the XXXX time we have received a modification packet, indicating " there was an error in the format of the documents that were used and they were unable to be recorded at the county recorder 's office '' If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. 
I contacted the county recorder 's office and the lady I spoke with indicated they receive many complaints from consumers for the same problem with Bank of America. She informed me that Bank Of America blames their office for not receiving the paper work or denying paper work for not being completed. 
Our medication has been approved, but the paper work has not been completed correctly by Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: in 2010 i just graduated from XXXX and rented a room on a 30 day trial run to see if i could make it as a XXXX. they had a small business which rented rooms to XXXX XXXX and another XXXX. a lady selling credit card machines invited us to all group together to use XXXX terminal and each have a specific number for each of our transactions the lady sat us down all together and verbally told us there were no commitments until 30 days and if we closed after a XXXX period of time the contract would be voided. if i sent her a picture of the empty room in which i did close with in the designated time before i became locked in the contract after the 30 day trial. everyone of us shared the terminal and we returned it within the specified time frame when the salesperson came to see my closed XXXX. i had not had a XXXX and did not even have a rental agreement for the room.which also was on a trail basis.i did n't even meet certain guidelines for even being able to get the offer of a terminal .that 's why she said it was a trail run.because i did n't qualify until i had the correct paperwork and XXXX which i could not afford to do. I was not the only person w a contract and if i did n't use the terminal alone there should be others that can verify the verbal agreement of the trial 30 day term.please try to help.the representative did not tell us the truth when we signed the paper.she said that there would be no problems that she would guarantee us that we were not responsible if we could n't afford to stay open.i could n't even pay for my supplies.why would i obligate myself to a huge contract? and the rep knew that and she still trapped me into signing along with other people who signed. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company