AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: ExperianXXXX XXXX XXXX TX XXXX : Report # XXXXOn Monday XXXX XXXX I called Experian to dispute XXXX XXXX private student loans. I spoke to the representative to dispute the relevancy of the contract. I had recieved a copy of the contract by XXXX due to a complaint I had filled with the XXXX. The contract has " missing information such as date missing and other identifiable information that is not consistant with my information with their files ''. The name listed on the application is not my birth name. Further, the account number listed on my report is XXXX ... there are XXXX accounts listed with these numbers, the account number specified is listed differently on XXXX correspondence they list account number XXXX. Due to new regulations required by the FCRA account numbers are no longer supposed to be listed as social security numbers or reported to the credit bureas as numbers that begin with social security numbers. 
The accounts were previously unrated and reported previously as " NO STATUS '' in XXXX 2015 that had changed. I request that " no status '' be reported on my file due to FCRA, FCBA, FACTA and other statutory and procedural violations that may have occured. The creditor has over XXXX credit and billing consumer complaints filed online along with SEC and Consumer Financial Protection Burea investigations for similiar or other pertinant issues regarding private student loans currently held by XXXX. ( see link : XXXX XXXXRemedy sought. 
I request that detailed information including names and a description how the previous verification process was conducted per section 607 15 UFC 1681. 
I would like Experian to rienvestigate and the following information herein. 
1. Verify last 84 month account history ( See attatched doc ). 
2. Report the assigned account number provided by XXXX ( acc # XXXX. Valdiate and authenticate information supplied on original contractI request that bot accounts be unrated due to errors and ommisions on the account and credit reports. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We have had an Exxon Mobil credit card for several years. Inasmuch as we spend winters in Arizona and our mail has to be forwarded to us, we decided to reduce the number of credit cards that we use due to some issues with mail not being forwarded. It should be noted that we have been at the billing address since XX/XX/XXXX and forwarding should not be an issue. The last use of the card was done in XXXX 2015. We paid the statement that was due on XXXX XXXX, 2015, for {$1.00}. We did not receive any further statements until XXXX 2015. We were not concerned about the lack of statements thinking that the account was paid in full. The first that we were made aware of an outstanding balance was when we were contacted by a collection agency ( letter dated XXXX XXXX ), and then we received our XX/XX/XXXX statement ( closing date XXXX XXXX ) from Exxon Mobil which by then included hundreds of dollars in late fees. 

Since receiving the notice from the collection agency, we have made multiple attempts to resolve this issue with both XXXX XXXX and XXXX XXXX XXXX as to why statements were not sent until after large fees were attached to the original purchase. It took multiple calls to even obtain the original balance. Our efforts have been hampered due to Exxon Mobil 's policies dealing with customers. Although they routinely record phone conversations, they will not allow us to do the same. Faxes that were sent with supporting documentation were not acknowledged. Certified letters with the same documentation were returned twice even though they were sent to the address they provided. 

In summary, every effort that we have made to exercise our rights to dispute the bill have been blocked by their policy to restrict the customer 's ability to have any type of permanent record of the dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Mariner Bank requesting debt validation and they have yet to send it to me. I have however rec 'd XXXX threatening letters telling me to get online and pay now or I will be hearing from their attorney. I asked them three times not to call me at work and three times they violated my request. I am not allowed to receive calls at work. Secondly I instructed them to stop calling anyone but myself to discuss this and on XXXX XXXX, 2015 XXXX called a friend of mine in XXXX XXXX Texas after I specifically said not to. I have given them my contact information and told them to write to me and they still refuse to do so and seem to be using the bullying attempt. They are calling his house and they know I do n't live there. I am in financial bind currently due to having to leave a violent home situation and he will not give me my belongings.. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a duplicate account being reported from XXXX as still open with XXXX collections agency, when the XXXX account was settled and settlement was paid off. 
XXXX is reporting the following : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXX BalanceMay XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteWhen XXXX is reporting the closed status : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilitySettled - less than full balanceRemarksNoteXXXX XXXX has reported the account closing to XXXX bureaus. 
This is clearly an error that needs to be reviewed. I have only had XXXX account with XXXX, and to further show proof that there has be to an error, the amounts shown as being owed are exactly the same. 

Please help, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I received 2 collection calls and 2 past due emails from Bank of America. Collection calls! I 'll admit that we have n't been the timeliest this year, but we did bring the account current on XXXX XXXX, 2015. The XX/XX/XXXX statement shows New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015We paid {$310.00} on XXXX/XXXX/15, which should have brought our account to XXXX min. balance due by XXXX/XXXX/15. Now the statement showing the XX/XX/XXXX amount due as this : New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015They were saying that I now have a past due amount of {$190.00}! 
New Balance Total XXXX $ XXXXCurrent Payment Due XXXX $ XXXXPast Due Amount XXXX $ XXXXTotal Minimum Payment Due XXXX $ XXXXPayment Due Date XXXX .XXXXI spoke the a representative this morning who said that it was all in error and that they would get this fixed, however I feel the need to file a complaint. The way they handled this was harassment. The rep did not even apologize. It 's not right to receive collection calls or emails when you have paid! I do not want to see this reported to the credit bureau for their errors. I also see that they repeatedly make these kinds of errors with many other customers. A giant bank should get their act together. Thanks for reading. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to remove my PMI, and to no avail. After i was told that i need to pay for the appraisal so they can send in a representative they work with, they are now claiming that not only they will not be able to remove my PMI because my appraisal amount came back less then 1 % of where the loan to value is required. This is especially interesting since i have had an appraisal done on my house in XXXX 2015 and the appraised value came back over XXXX XXXX dollars more then the one their " representative '' appraised. The value of the homes in my area have gone up rather then down. Tho me it seems the banks are at it again. Stealing from the people. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I always paid XXXX No idea where this bill is from. Please remove from my credit report is damaging my rating incorrect report. THANK YOU 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a competent person with a lot of debt. I am trying to clean it up. I have ALOT of experience just logging onto the computer to see the interest charges and my APR. Sear makes it impossible for me to see any of this information. Based on the " ease of use '' and rather simple process of the other credit card companies I deal with, Sears hides this information -- There is no PDF way to download credit card statements. Rather it is some tab delimited or other inconvenient mode. This is deliberate. I have a 25 % variable interest rate -- But still to date can not see the charges that are a result. 

Company response: Company chooses not to provide a public response
Consumer complaint: ALLY Financial assessed Excess Wear on XXXX Chevy MaIibu returned by XXXX XXXX to XXXX XXXX XXXX XXXX NY on XXXX XXXX 2014 in the amount of {$1000.00}. XXXX XXXX paid out on XXXX/XXXX/2014 an amount of {$650.00} for Policy Number XXXX, Claim XXXX. ALLY refuses to credit XXXX 's Account and continues to request payment of original {$1000.00}. ALLY in violation to federal Fair and Accurate Credit Transactions Act reported original balance as delinquent to credit bureaus. ALLY continues to investigate matter further and refers matter to Collection Agency who insist even if XXXX XXXX did make partial payment, XXXX still owes the original amount ( per XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: under XXXX has charged me {$88.00} for nothing provided to me.Theybill it as a rewards benefit -- various fees etc.First bill was for XXXX the next for XXXX which incuded {$16.00} for a r4eturned item. I requestted them to cancel my card -- instead they are piling late fees and have ruined my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never lived at the XXXX XXXX XXXX XXXX address listed on my report. I was a victim of attempted fraud by a person using my name and SS number there. Luckily I was contacted by the merchant. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to modify my loan with Wells Fargo for the past several years. All I get is the run around and their mischievous tricks that they use on everybody. When, " Keep Your Home California '' sent them the last mortgage payment they returned it, saying, no thank you. Then they started going after me for, " falling behind '' on my mortgage payments. When I applied for a different program from, Keep Your Home California, they pretty much torpedoed it, with these same tactics, forcing me into bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my second complaint regarding an issue with Bank of America. I was not able to log in to check the complaint status or add more information. My 1st complaint # was XXXX As stated in that complaint it looks as though my doubts regarding BOA 's veracity were confirmed. After not receiving my new credit card and my refund in the timeframe promised by XXXX in the fraud dept. @ XXXX I made a second call to the same dept. and spoke XXXX on XX/XX/2015 She looked up my claim and said that it had been withdrawn. I asked by who and she could not tell me, only stated that it was an oversight and she would correct it. I am livid that a BOA agent supposedly working on customers concerns would intentionally mislead and lie to those customers. XXXX took all of my information which took putting me on holds for a total of XXXX minutes, assured me my credit for a fraudulent charge would be credited to my account within 24 hrs and a new card would be in my hands within XXXX hrs. It looks as though the minute she hung up she intentionally and with malice withdrew the entire transaction. After speaking with XXXX who assured me of the same timeframes I DID receive my new credit card but have NOT received my promised credit. Can the CFPB help me before I have to pay a lawyer to file suit against BOA, which I should not have to do. At this point I am looking at BOA as if they are furthering the fraud that put me in this position to begin with. 

Company response: Company chooses not to provide a public response
Consumer complaint: ERC is forum shopping and using an address not on file for me since XX/XX/XXXX to collect on a debt that was paid back in XX/XX/XXXX. My account was opened with a XXXX address yet ERC purposely chose an address which has not been used for 30 years in anticipation that I would not be able to dispute it long distance. Fortunately, my parents forwarded my mail where I intercepted this communication. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i received a voicemail message from a XXXX XXXX XXXX from Coastline and Associates/Prodigy Portfolio Management stating that unless I returned her call and set up a payment plan on a credit card debt from XX/XX/XXXX or XX/XX/XXXX that they would take legal action. At the time i was on pain medication, having XXXX the previous day and was frightened enough by her to agree to a payment arrangement. Needless to say, I have no recollection of that conversation. When I called to ask why they had debited {$50.00} from my checking account she said i agreed to it and the call had been recorded. I 'm sure anyone listening to the call could tell i was under the influence of XXXX. She became extremely belligerent, threatening to sue me - what a laugh, i 'm XXXX and own no property. The more research i have done on these companies they seem to be a scam. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My mortgage loan was paid off XXXX XXXX. I was told to expect my refund within 10 working days from our notary, who was previously an escrow officer. I called the mortgage company on XXXX XXXX was told that, by law, they would not be releasing my {$4000.00} escrow account balance for 30 days. That is totally unacceptable to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: FIA Card Services has been calling me on my cell phone and at my job for about 3 months. They have called me sometimes about 10 times a day. They have my Bank of America credit cards under XXXX different accounts instead of XXXX. They have called me with a XXXX area code on through away cell phones. 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved to XXXX from XXXX. Someone was using my credit here in XXXX. My sister has the same name but I do n't know her social. I have so many outstanding loans but I have n't had a bank account since 2000 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Penn Credit is stating I owe them,XXXX I never had such agreements with this company and its not legal for them to get information about me from another company.They must be confused or just trying to scam me.I want this account removed soon as possible. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a debt on my credit report that I do not owe. The collection company is Focus Receivables Management. It states I owe this company XXXX for a XXXX XXXX XXXX account from 2010. I did not have XXXX XXXX XXXX in 2010. I called XXXX they have no records of me having an account in that year. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our lease ended on XX/XX/XXXX and we inquired about extending ot for up to 3 months but had n't yet sent back the argreement. Just in case we did extend, we scheduled a bill pay to go out on XX/XX/XXXX to SEToyota even though no further payments were due. 
On XX/XX/XXXX, we sold the car to a XXXX dealer and bought another one. XX/XX/XXXX we contacted BOA to stop the outgoing payment They advised us that although it could not be stopped, we should leave the account negative until it declined twice then it would stop. 
On XX/XX/XXXX, a transaction was processed showing as a bill pay to XXXX for {$350.00}. I went into the bank to ask how this happened and was told by the bank manager that XXXX used the information from the declined bill pay to force the transaction through as a collection. There was no collection. This transaction occurred in the amount of {$350.00} and cleared with only {$160.00} in the account without authorization. 

Company response: Company chooses not to provide a public response
Consumer complaint: Filing this complaint towards BSI Financial Services, for double billing of late fee. The borrower, been making monthly payments dating back to XX/XX/XXXX. All monthly payments are been payment by bank cashier 's check. Payments have the standard monthly amount and monthly late fee amount, all included in the payment. For Example : Regular monthly amount of {$2100.00} and monthly late fee amount of {$66.00} for a total payment of {$2200.00}. The payee ( Borrower ), been making payments of {$2200.00} each monthly. The payment covers the regular monthly and late fee. The problem with BSI Financial Services, not crediting the late fees to the Borrower 's account. For the past XXXX seven months. BSI Financial Services Customer/Collection Representative been calling the borrower, and asking when will the payment be made. The Borrower, has questioned the representative from BSI Financial Services, why do XXXX XXXX being billed for {$370.00} in late fees, when the late fees are payment each with the regular monthly payment. The BSI Financial Services Representative " Told '', the borrower 's, the late fees " Will Not '' be credited to the account until the is current, which is the company policy. The Borrower, informed and requested, per telephone conversations with the BSI Financial Services Representatives each month for the past 6 or 7 months ; ( 1 ). BSI Financial Services need to credit the late fees to the account. ( 2 ). The borrower, requested a copy of the BSI FInancial Services Policy, which states, why the late fee are not the credited. ( 3 ). The borrower, informed BSI FInancial Services Representatives, that there action is wrong and if this continues and the late fee are not credited to account, a formal/official complaint with be filed. ( 4 ). As of this date XX/XX/XXXX, the borrower did not received a copy of late fee policy as requested for the past few months. On XX/XX/XXXX, The borrower got Reminder Payment Notice, which shows a new late fee amount of {$440.00}. This action shows that BSI FInancial Services continue to charge the borrower monthly late fees, and still failed to give credit for late fees, which have been already paid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have my account setup on auto-pay for the entire bill amount. I have several emails from the Exchange Credit Program going back many months saying my payment has posted without issues. I got a letter from them on XXXX XXXX XXXX claiming they had not received a payment in XXXX months and that my account was about to go into collections. After this I tried logging-in to their system to make a payment and was repeatedly told that my information was not in their system. Today, XXXX XXXX XXXX, a payment was made without my notification for the total amount of {$1200.00} owed. Although I had intended to pay the debt, I had not intended to pay the entire debt as this puts me in a financially precarious situation where I will be strained for the rest of the month, and likely the next month or two. 

I am complaining in the manner that this debt was handled, without my knowledge or consent. If their system could suddenly pay the debt, why could they not collect for the last two months? If their system could not collect the debt, why were they telling me that the payment posted? 

Thank you for your looking into this matter 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to obtain a loan modification for nearly a year and a half. I was repeatedly stonewalled with false investor guidelines that did not exist. Once I was able to prove that the supposed guidelines of MHP did not exist. I was offered a loan modification on both of my loans. I signed the loan modification agreements as instructed and sent them to Santander. Shortly after I received word from Santander that they would not honor the loan modification that they had arranged. Instead they wish to raise the payments on my second mortgage from the XXXX to XXXX On my limited fixed income this now becomes unsustainable. Throughout this process I have been stonewalled, been given false reasons for my denials, been spoken down to by the servicer, and been given incorrect information. I was only able to receive the loan modification offers through the help of multiple elected officials and the Massachusetts Attorney Generals Office. Now Santander gets me to sign one set of documents, and then throws me yet another curveball. I need assistance with this. I could not get away with changing prices after someone had signed a contract with me. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have been trying for weeks to find out my credit scores. at every website, I fill in the requested information, only to get a popup which states that my informationdoes not match credit bureau records. 

and there it ends. I can not even find out what the discrepancies in the infor-mation are, much less how to resolve them. 

I ca n't even find out if there is a physical location in my town where I could takemy actual information for comparative purposes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a long-time FHA home loan with XXXX XXXX XXXX with no problems. I had a perfect payment history. Unknown to me, the loan was transferred to a servicing company called Green Tree. Apparently, XXXX XXXX XXXX at first was forwarding to Green Tree the payments I continued sending to XXXX XXXX XXXX. Over a year ago, unknown to me, XXXX XXXX XXXX stopped forwarding my payments to Green Tree, did not tell me and I then received letters from Green Tree ( I thought these were " junk mail '' ). Eventually, I opened one and it stating my mortgage was in default. This was quite a surprise to me since I was sending my payments to XXXX XXXX XXXX. I had to pay a large penalty and foreclosure fees. Green Tree did not send statements to me, or payment coupons, or information about where to send payments, even after my repeated requests. I then sent payments to the address listed on their website, which they stated was the wrong address. Although Green Tree did cash some of the checks, they did returned some others. They claimed there were penalties owed, which I disputed. Now Ditech has the loan ( I do n't know when that happened or if that is a sister company of this Green Tree entity ). They are attempting to foreclose a second time. Ditech is now trying to foreclose.They have ruined my credit due to their fraudulent acts. I am a XXXX, and this matter is effecting my health. 

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