AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I filed a dispute with Transunion Credit Reporting Agency 25 or times regarding inaccuracies with XXXX XXXX XXXX. I am disappointed that Transunion could not conduct a fair and impartial investigation of my dispute. I was told by Transunion more than 25 times, if does not change and update inaccuracies on credit report the incorrect information will remain on my credit report. I asked the Transunion rep what would be the point of me filing a dispute and sending in evidence to support my claim if they were bias and not going to perform a fair investigation. I asked them why would side with the creditor if they were wrong they said that their hands were tied and that there was nothing they could do. I told them the reason why I subscribed to their service for years is so that I could monitor my credit activity and file disputes if any item on my report was reporting in I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with XXXX Solutions XXXX XXXX XXXX handling the collection of the payments. XXXX has ruined my credit standings with Transunion and the other XXXX credit agencies. On XXXX XXXX XXXX, I called XXXX and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. The XXXX Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for XX/XX/XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. I think the loan should be reported to the collection agencies as not late and I also think collection of the loan should be canceled because of the outrageous interest they gave me. The loan was first given an interest rate of 13-16 percent initially and now for collection the loan was given a lower rate but the lower rate does not make up for all the interest that accrued during the higher interest rate, Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I needed a loan to help with my finances and got one originally with XXXX XXXX. They then sold the loan to XXXX XXXX, who in turn sold it to Cash Call. XXXX XXXX has now ceased operations, and Cash Call is not licensed in the state of Tennessee. While I was aware of the financing terms upon taking this loan, I was not aware it was not licensed in my state. I was also not aware of usury laws and limits on percentage rates for loans. In looking up cases involving these companies, XXXX XXXX tried to use the affiliation with a XXXX as a way around these practices, but as shown when the CFPB sued them ( see attachment ) this did not exempt them from state laws. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I leased a car from drive time in XXXX of 2014, and I never missed a payment. I have it automatically taken out of my checking acct. We 'll on XXXX XXXX they only taken XXXX dollars out when they should have taken XXXX ... They stated that since my acct was old that they system kicks the acct number out ... I then called them backed and gave them my cc number and my debit card number when I spoke to an rep he stated that it did n't go through, but that 's a lie because money was on XXXX. They repo my car and now I 'm paying over XXXX dollars extra which to me not right they should make for the towing as it was there mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has been calling both of my phone numbers repeatedly, daily. Today they called my phone number 8 times, when I answer the phone there is no one there. I finally waited 4 minutes tonight to actually speak to the person calling. They could not tell me where they were calling from or speak understandably at all. 
They have been double dialing, I get multiple phone calls back to back. A week ago I asked them to send me information about whatever debt I owe and they hung up on me. 

Company response: Company chooses not to provide a public response
Consumer complaint: The address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX ) Is not mine, I have never lived in the state of Washington. That address belonged to my son XXXX XXXX when he was stationed there XXXX. Need to have it removed from my credit record as a past residence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call from a " representative '' of I.Q. Data International, Inc ( dba Rentcollect Global ) on XXXX/XXXX/2016. The person asked for myself or my wife and I acknowledged that I was the correct person to speak with about the matter. XXXX was told the conversation was being recorded ( I hope it was, though i truly doubt it ) and I agreed. I told them I had just received a letter regarding the supposed debt and was responding to dispute said debt. I was cut off immediately with a rude and angry tone stating that I should tell them of the dispute. I said it 's all in writing and should be in their hands any day. She ( now yelling ) told me that they do n't respond to written letters and that you deal with this on the phone. I explained that the letter their office sent me states otherwise. It clearly states I have 30 days to respond and they will secure proof of debt ( which is a bit absurd ... why would they not have it now ). I doubt she heard all of this as she was shouting something over top of me and then continued to yell after I stopped talking stating I was refusing to cooperate and she " hopes I enjoy my debt on my credit report ''. She then terminated the call. I pulled out my letter and noticed the " account representative '' was NOT who I spoke with and is probably ficticious, but I called back despite. I was greeted by an operator, told them my account rep 's name, and gave them my account number after being asked for it. Put on hold. He came back and asked if this was XXXX. I said Yes. Hold once more. When the line picked up again, it was the same abusive woman that I had dealt with previously. I asked for the account rep printed on my paper. She told me SHE was my representative. I asked if she 'd answer my question and she began shouting again about how I was refusing to talk and a few other things. I finally waited for her abusive tirade to stop and asked for her supervisor. She did n't acknowledge. I firmly stated it a second time. She said " Super '' and put me on hold. I got a supposed manager on the line that basically provided lip service that " they would look into the representative 's behavior ''. No apology, just lip service. I asked them if they could answer my question that their rep refused and was told yes. I read the letter I received. I asked if it was true that I could dispute via mail as stated in the letter. They said yes. I said that I doubted they would actually look into my situation with the rude rep but reiterated that I would be sending my dispute. I also added that if I ever receive abusive phone calls again, I would seek the advice of a lawyer. I 've never experienced such an abusive call before. It amazes me how that is even allowed. Looking up the company online I 've noticed this is a recurring pattern. It needs to stop. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I continue to get a recorded message that presents themselves as a 3rd party collector on behalf of XXXX. They harass me by calling multiple times in one day play a recording and then hangs up. I blocked the number but they seem to be able to bypass my block and continue to call. the number is XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The original request for payment from the debt collector was mailed to me on XXXX XXXX. I mailed a request on XXXX XXXX to verify and validate the debt. I received no communication from this company. On XXXX XXXX I sent another letter indicating the I had not received the information in the 30 days allowed by the Texas Debt Act as such the debt was invalid and to stop collecting practices. On XXXX XXXX they placed the debt on my credit report as a unpaid collection. I later found out that they do no have a surety bond allowing them to collect debt or do business in the State of Texas. In fact it was cancelled XX/XX/2015 so any and all business within the State of Texas is being done illegally. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: on XX/XX/XXXX I called bank of america and requested a new credit card. the old card I still had but never activated it and it expired in XX/XX/XXXX. I endured over 30 minutes of being asked asinine questions and being out on hold. after 30 minutes I told them what hey could do with their card! one question was what was your pets name that you last purchased poet insurance for? I explained I had had a pet for over 15 years! this was supposedly to verify who I was! I had the old freaking card in my hand! 
I wrote XXXX XXXX the ceo the first letter on XX/XX/XXXX. XXXX XXXX called from their enterprise resolutions department. I explained what had happened. she said she 'd research my concerns and call me back. SHE NEVER CALLED BACK! I sent XXXX the second letter on XX/XX/XXXX then a nedra called on XX/XX/XXXX. I went thru the dog and pony show all over again. she said she 'd research my compliant and call me back she also said tha I RECEIVED A LETTER AND PACKET FROM MCGRAFF. HAD THAT REALLY HAPPENED I WOULD N'T HAVE HAD A NEED TO SEND XXXX THE SECOND LETTER!!! she called back on XX/XX/XXXX and said she COULD N'T HELP ME I HAD TO REDO THE DOG AND PONY SHOW WITH THEIR VERIFICATION DEPART ALL OVER AGAIN. I POLITEY TOLD HER WHAT BANK OF AMERICA COULD DO WITH THEIR CREDIT CARD! 
I received a copy of my credit report dated XX/XX/XXXX. it listed bank of America as a OPEN AND VALID ACCOUNT IN GOOD STANDING. ALL I WANTED WAS A NEW FREAKING CARD! I might add that I got the bank of america card because ll bean had them as their servicer for their ll bean cards. they switched to XXXX about 5 years ago, hence the reason I was n't using my ban of America card! bank of America 's reps even said my account was in good standing. is this what our banks are allowed to do to their clients? thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My brother and I are XXXX and our names are very similar. His transactions are appearing on my credit report along with his name as an alias for myself 

Company response: Company chooses not to provide a public response
Consumer complaint: I DID AGREE FOR LEASE A DEVISE WITH BANK FOR THE AMOUNT OF {$50.00} A MONTH and they on firs payment took from my bank {$83.00} because i refuse to pay {$83.00} the bank now took my action to colection and treat me to report a XXXX.The persson from the bank refuse my call and all the want is " pay the amount what they want it '' no what was on the agree. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Reporting Inaccurate information on XXXX Credit Report. 
Regional Acceptance account is reporting inaccurate information on my XXXX credit report. They have on my XXXX report that the Open date was on XX/XX/XXXX. But on the payment history there are no payments reported from XX/XX/XXXX to XX/XX/XXXX. I have disputed this with XXXX and every time they say this information is accurate. How can i have a car loan with Regional since XX/XX/XXXX but the car payments i made to them are blank from XX/XX/XXXX to XX/XX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputed inaccurate information on my credit report with XXXX companies ( XXXX and transunion ). XXXX got back to me within 1-2 weeks and removed the innacurate information. Transunion has not done the same and they did an inadequate investigation and I have further disputed it. I have submitted to them proof where XXXX has removed the innacurate information but transunion sent me a letter where they stated that they could not find my credit report. I have submitted to them all of my information including the file number. They are delaying and denying my claims and they are doing so in a criminal and fradulent manner. I have contacted them 2 times by phone and 2 times by fax and they refuse to resolve my complaint. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently lost my job right before XXXX last year. Since I have n't found a new one yet I have been unable to keep up on my credit cards or keep my cell phone turned on. Since Kay jewelers has been unable to get ahold of me, they have been calling every family member and my ex husband and his family and disclosing information about my debt! They told my grandma that she needed to get ahold of me on XXXX to contact me about paperwork I needed to finish filling out for my credit card!!! What on earth?! It 's embarrassing enough losing my job and not being able to pay anything after I had such good credit and now they 're just humiliating me while I 'm down. Now every single member of my family and my ex husbands family knows I have a Kay jewelers card that I 'm behind on. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Re Home Equity Line of Credit with SunTrust Bank We purchased our home in XX/XX/XXXX. The mortgage and a Home Equity Line of Credit ( HELOC ) were financed by SunTrust Bank. In XXXX XXXX we refinanced the mortgage. In XXXX XXXX we increased the HELOC ( both still with SunTrust Bank ). 
XX/XX/XXXX I merged the mortgage and the HELOC into XXXX loan financed by XXXX XXXX. Therefore, both the mortgage and the HELOC with SunTrust Bank were paid off in full. On XXXX XXXX, XXXX, a " Certificate of Satisfaction '' for the mortgage was recorded in the Land Records for XXXX County, Maryland. A " Certificate of Satisfaction '' for the HELOC has never been recorded with XXXX County. Any title search now will seem to indicate that the HELOC has never been paid off. A " Certificate of Satisfaction, '' which in effect is my receipt, recorded in XXXX Country would eliminate this problem. 
I received XXXX letters from SunTrust Bank ( dated XXXX XXXX, XXXX and XXXX XXXX ) informing me that the HELOC had been paid off and that the appropriate information had been forwarded to XXXX County ( letters attached to this complaint ). However, XXXX County has no record of ever receiving this information. 
I have sent XXXX letters to SunTrust Bank. The XXXX one was dated XXXX XXXX, XXXX. The XXXX was sent via certified mail on XXXX XXXX and received by them on XXXX XXXX, XXXX. I have received no response. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Sears Credit Card has changed the way to access online statements. You now need to have an active credit card to create an account. They closed my account two years ago when I was unemployed, even though I paid them on time every month. Now I can not access my balance or schedule payments because I can not access my account online. I have to wait for them to send me a monthly statement in the mail ( and they do n't even provide a mailing envelope anymore! ). I feel this is an underhanded attempt to get people to mail in payments late so that they can collect more late fees off account holders who no longer shop with their credit cards. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX, i received foreclosure and loan modification advisory letter from County of XXXX. This means Nationstar is trying to foreclose my home. I bought the house in XXXX and paid my mortgage frequently. XXXX XXXX, XXXX they raised my taxes from {$420.00} to {$940.00} that is a raise of {$510.00} per month. This is wrong. My whole taxes for a whole year is {$6100.00}. Dividing that in 12 months is {$510.00} minus what I pay regularly {$420.00} difference is {$87.00}. This means that my escrow from XXXX XXXX, XXXX need to go up with adding the {$87.00}. My regular payment from {$1800.00} when we add the escrow of {$87.00} my new mortgage payment should be {$1900.00}, not {$2300.00}. They are wrong in the amount of {$430.00}. XXXX XXXX, XXXX they took from my XXXX XXXX XXXX account {$1800.00} and statement is attached. XXXX XXXX, XXXX they cashed my XXXX XXXX check in the amount of {$1800.00} check # XXXX, attached is front & back of check. I mailed a check from XXXX XXXX in the amount of {$1800.00} dated XXXX XXXX, XXXX and they cashed the check one ( 1 ) day earlier, XXXX XXXX, XXXX, check # XXXX and statement attached. From XXXX XXXX, XXXX till XXXX XXXX, XXXX I paid 3 months mortgage. I was short in escrow for 3 months, in the amount of {$260.00}. XXXX and XXXX they returned my payments. Now I owe payments for XXXX, XXXX, XXXX and XXXX a total of 4 months. Monthly {$1900.00} X XXXX = {$7700.00} + XXXX the difference = {$8000.00}. To cover all months of their mistake to the end of XXXX is a total amount of {$8000.00}. If Nationstar Bank makes the corrections and email me the correct amount I have no problem to pay my mortgage. And I can forget NationStar 's mistake. Nationstar can give order to XXXX As Trustee or acting as Agent for the Beneficiary ( XXXX XXXX, Assistant Secretary & Vice President ) to stop the foreclosure and to stop harassing my family with the letters and postings. I have spoken to them many, many times from XXXX XXXX to present, I have faxed documents and proofs that they are wrong about 4-5 times and they make only one correction they charged me double payment in XXXX XXXX. And they returned my payment. It took them more than one year to make this correction. I do not like to have the same mistake happen again, because when I spoke to their research Department many many times they say they can not do a lot, I need to speak to the Tax Department, I spoke to Tax Department and explained the same and faxed the proof on XXXX XXXX, XXXX. The same day XXXX XXXX, XXXX I faxed the same documents to the research department. I tried to help them so we all could be on the same page so they make the correct corrections because my taxes went up only {$87.00}, and my correct monthly payment ( principal, Interest, taxes ) is total {$1900.00}, not as they say {$2300.00}. So I can continue to pay my mortgage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had to put a new roof on my house last month do to wind and hail damage. I have paid out of pocket for the repairs. I have XXXX statefarm checks for settlement less than what I have paid out. Bank of America 's XXXX web page did not lead me to property claim processing. So I called them. They said go to XXXX which I have for the last 3 days the last XXXX web page unavailable. Before the web page went down there were XXXX more PDF documents to be printed and sent to XXXX XXXX, California for check endorsement. The customer service reviews were horrid. With the web page down I want a local officer in a branch to endorse the checks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by SUNTRUST MORTGAGE as " REJECT & RETURN '' and by Order of the Court, the property was returned to SUNTRUST MORTGAGE and subsequently sold. 
XXXX currently reflects SUNTRUST MORTGAGE as a " Negative Account, Closed Account '' however it continues to report the status as " Wage Earner Plan ''. XXXX reflects negative payment history entries for SUNTRUST MORTGAGE for the month of XXXX XXXX, during which I filed bankruptcy and for XXXX XXXX, the month I was discharged from bankruptcy. 
XXXX currently reflect SUNTRUST MORTGAGE as " Potentially Negative Closed ''. It continues to reflect the " Payment Status '' as " Making regular payments under XXXX. '' I have disputed the incorrect information with XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to three SUNTRUST MORTGAGE addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank NA placed a partial Hold on a check deposited issued by the State of North Carolina. I was told that the hold was placed becasue the check might not clear the account. REALLY! The State of North Carolina issues bad paper? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response