AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Transunion lists a {$300.00} claim under collection by XXXX XXXX XXXX ( XXXX ). 
This is listed incorrectly as I paid it in full and XXXX is aware of this. Obviously, my credit score is lower with Transunion than it should be and I need this corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: RMC is reporting a fraudulent bill that does not belong to me to XXXX. The item is a bill that is reporting from RMC and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about RMC and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said RMC and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Transunion is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about XXXX and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said XXXX and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received several threatening phone calls XXXX times a day at work and on my cell phone about a debt that I owe to a company called XXXX. They harass me threatening the money I owe is a felony which it is not and threatening to call my employer and disclose information to them. I have asked them to stop calling and they will not. I have voicemails on my phone harassing me and telling me that if I do n't make a payment by a certain time that day that will take me to court. I told them to take me to court, and that I do n't deserve to be treated this way yet they keep calling, yelling at me calling me worthless hanging up and then calling right back. I keep blocking the numbers they call from and then they call me from different numbers. They will not give me their address or actual telephone number or even tell me the name of the person I am speaking to. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: how can a disputed claim be taken off my credit report then a month later just put back on again???? 

Company response: Company chooses not to provide a public response
Consumer complaint: was removed after it was challenged and was later put back on report 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 there was a car accident theses bills were paid according to the XXXX insurance companies collection agencies are harassing I was told this account was paid I trusted and believed this to be true and correct Plus this collection agency is calling my cell phone daily 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to XXXX XXXX and was told i needed to get a Peaks loan to cover my Temporary Credit balance, or else i would need to pay the full amount of the temporary credit and the follow years tuition or else I would n't be able to finish my degree program. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I contacted BOA XX/XX/XXXX to let them know we wanted to short sale the home. I was told we had to apply for and be denied a modification first. I provided the requested documents, was contacted for more documents, and this cycle continued for five months. Despite sending in a requested letter of explanation on my situation in XX/XX/XXXX, and requesting a short sale, NOT a modification, my file remained in review for modification until XX/XX/XXXX. I 've heard multiple stories about the process to get this done and have received bad information, faxes and emails were " LOST '' phone calls NOT returned, etc., all to find out I am still in the beginning stages of NOTHING. All the while, I have a contract for purchase on my home that was signed months and months ago. Most recently, my real estate agent was asked to open a file in equator and when she attempted to do so, was unable to due to " lender placed property is already active '' error message. She reached out to BOA for help in getting access to my property in equator to move this along, and after several messages to XXXX people ( XXXX XXXX - XXXX ext. XXXX. His manager is XXXX XXXX - XXXX ), they still have not received a call back. The first message was left on XX/XX/XXXX ( SEVEN days prior to today ). I have also called the manager referenced above ( XXXX XXXX ) and have not received a call back. I have done everything in my grasp to make this situation right, and it 's dragging out longer every time I turn around. I can never speak to the same person at BOA and get different information almost every single time I call. With a check of the phone conversations ( which are recorded ) you can see the different stories I have been given. You can also look at the log of information BOA requested, and notice how quickly I have provided everything they ask for, sometimes more than once. The buyer who placed a contract on my home has to move from his current home XX/XX/XXXX. We are nearing that date and he is going to walk away if we can not make some headway here. This company is disorganized, lacking in basic knowledge and completely lacking in efficiency. I am seeking a manager or leader of some sort who can help me through this process. It has been over seven agonizing months of chasing my tail. While I understand a short sale can take time, unfortunately, I have n't even made it to that department yet due to sheer incompetence. Thank you for any help you can provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my XXXX complaint against Wells Fargo. Wells Fargo was dual tracking our mortgage they have sold my home back to the bank at auction after never considering us for hamp or harp or a partial fha claim. They also do not have a clear title in which to foreclose on. The title is clouded since a previous refinance with Wells Fargo. The also claim that XXXX Is the title holder and benificeiary when that has been determined to be invalid by the courts. We made many trial payments expecting a modification and as soon as the trial payments were up they restarted the foreclosure process. The note is in blank and supposedly transferred from the original lender to Wells Fargo in 2006 but there is no dates on the endorsement and the women who signed as the officer for the original mortgage company was never an employee of them but a employee of wells fargo making the endorsement done at the time needed for foreclosure. These process are detailed in there foreclosure manual that I have a copy off as how to make the endorsement valid for foreclosure. I have a signed document from Wells Fargo with the name XXXX in it which is fraud. XXXX is imprisoned for commuting fraud on mortgages satisfactions and notes. If this document is fraudulent then everything there after is invalid. 

Company response: Company chooses not to provide a public response
Consumer complaint: No I have n't disputed anything with Experian because all the credit bureaus are doing the same thing. I just got a copy of the above report. It shows XXXX Inquiries, of which about XXXX of them I had no knowledge. I did n't ask for credit from anyone. I did ask for a lower rate from the XXXX credit card I have, XXXX XXXX. As far as " preapproved credit offers '' go I 've never in my life received a true pre-approved offer. These companies scan my credit to see if I 'm worthy of their solicitation. Then when I ask about it, they say now we have to run your credit to see if you " qualify ''. So there is NO firm offer of credit with those solicitations. They are using this ok from the government to look at my credit for illegal purposes. I have XXXX company that I am licensed with to sell insurance for that runs my credit whenever they feel like it. Yet, I am not given nor ask for any credit from them. This is outrageous. I want to make sure none of my credit info is given out to anyone without my knowledge or request. I 'm sure this practice helps enable the evil folks who want to steal identities!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted numerous requests for verification of my accounts with XXXX XXXX XXXX, and Experian, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I received a prepaid debit card ( XXXX ) for a rebate. Its exp date was XXXX. I misplaced the card around XXXX, and just found it. I called the issuer ( Citibank ) to request reactivation/replacement, as the CFPB says is required. They said they could not, that the remaining value ( ~ {$26.00} according to their records and mine ) was forfeited. I 'd like to get that repalced correctly. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted numerous requests for verification of my accounts with XXXX Trans Union, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to dispute a collection posted in my credit report from XXXXI had an account with XXXX until XXXX XXXX on that date closed the account but they said it was an outstanding balance. I did not agree with the that but XXXX started calling me every day and send me letters and finally they sent the information to credit bureau. when I saw this I decided to pay that amount so in XX/XX/XXXX I made two payments, the first for XXXX usd made by my credit card XXXX XXXX, the second for XXXX usd made using my debit card XXXX XXXX XXXX. Despite having paid comcast he continued calling me and sending me letters demanding payment. In XX/XX/XXXX I made a dispute and they temporarily removed the information from my credit report. Later I received a phone call from an agent telling me that XXXX was not able to find the payments so I send them the statements of XXXX transactions. This month comcast appeared again reported the debt to the credit bureaus even when I sent my payments proof. I would like to know where are the payments that I made. Even if I paid again what security i have that the same will not happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My payments are not being recorded even though I sent them direct proof that the payments were made, directly from the creditor 's accounting dept. The credit bureau claims, in a letter they sent me, they do not change or add to my credit report file no matter what. 
I was told different by your organization.I did all you told me to do and it made no effect at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Thursday XXXX/XXXX/2015 I tried to long into my account online and was unable to access it. I contacted citbank via telephone in reference to my account. I was informed that they can not give me information via telephone I must go in person with a ID. On XXXX/XXXX/2015 on or about XXXX I went to the branch on XXXX XXXX in the XXXX. I spoke to the representative named XXXX XXXX who informed me that I must call citi bank fraud alert. He put me on the phone and left to move his car. Once on the phone with citi bank fraud unit I was verified and that representative ask to speak to XXXX who was not available. So another representative helped me, a female. She had on XXXX. The representative on the phone spoke to the bank representative and then I was informed that my account will be closed and I will get a letter in the mail. I was not offer any detail to what happen with my account what is going on .... I need some one to help me 

Company response: Company chooses not to provide a public response
Consumer complaint: Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: PAYOFF ISSUE : Last Thursday, XXXX, XXXX, 2015 at approximately XXXX XXXX I contacted my mortgage holder Green tree, soon to be XXXX, and requested my payoff in writing on their letterhead to be faxed to a number I provided and attach an E-copy to my account online.. I made this request verbally and again later by E-message through their website. I told them I needed by Tuesday the XXXX to close on the sale of my property. The representative told me I would it have by then. I called back Saturday verified with representative it was in process. By Tuesday the XXXX, I had not received the payoff in writing. I called XXXX who informed me it was taking longer to process. I then spoke to a leader named XXXX XXXX # XXXX who continued to tell me it was in process but could n't commit to when I would have it. This is stopping the sale of my home, the buyer may back out. This an urgent issue. I rescheduled closing for this Friday, but title company must have payoff in writing by Thursday the XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has several lines that are incorrect. Several Educational loans that have been sent back to the XXXX where I have been in a rehabilitation program. Experian has most of my negative accounts still opened and in a past due status. Making my credit score XXXX plus below other credit agencies. I was denied an apartment based on their info. They also have accounts on my report that were reported well over 7 and ten years ago listed recently and wo n't come off until 2018 that should be off already since those account were already sent to collections. So they have false reporting info. XXXX XXXX to mention. They keep starting the 7 years over and over on numerous accounts. There are accounts that are duplicate with different account numbers. XXXX card that they have as recent is well over 10 years ago. Student loans that are in past due status that were sent to XXXX that they still have for another collection agency that rehab has been completed on. Also for accounts that are in good standing they have the actual pay dates although the creditor has pays well and ok. They list every item and pay date which is very subjective ; allows the new creditor to think slow pay..when the account is paid well. Have other people that I may have been affiliated with in the pass never married to XXXX ( XXXX ) not in my life should not be on my credit. XXXX XXXX account should be off ; reporting false information. Have more judgments than I actually have. Fair Collections and outsourcing I have disputed because they can not validate the info and where my deposit went. They keep it on the file. To have every account still opened and they are closed drops my credit score. So there is a lot of miss info. If you all XXXX Experian complaints.. there are tens of thousands complaints. My sister has a XXXX and XXXX with other agencies and great credit Experian has her at XXXX. With false info being reported. The accounts should not be in past due status ; they should be in the status they truly are. I have disputed some of these not all as of yet. They are not pleasant to deal with when you call them. I truly feel they work with the creditors to keep people 's credit bad. Take a closer look at Experian please they are making my life difficult and maybe homeless soon. Also XXXX XXXX Bank credit card I paid off. Good standing closed it on my account when my life was on track before losing my job. They have another card with no reported data ( since I closed the previous account ) and have it in a bad status for an account I never had. They have no data but still have it on my report. Fix this please. 

Company response: Company chooses not to provide a public response
Consumer complaint: Not only have I requested my Credit File Annually, I have not received this report in 2 years. I am tired of the lies and games with MY credit file. This company received MORE than the XXXX items listed in their denial letter sent to me. I have proof of documents received that were sent to all XXXX of the credit reporting agencies. The documents were tracked & posted as delivered. The agencies received a copy page of a previous credit file ... a Copy of my US S.S. card, a copy of my FL state issued DL, a copy of a Utility bill, full information, name addresses 2 years and prior, and my Post office address. AND THEY ARE STILL PLAYING A GAME WITH MY CREDIT FILE. I want my copy EVERY YEAR. Not once every few years, after I take legal action every time for 6 months to receive it. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. Bank of America Credit Card account was closed on XXXX20152. From XXXX/XXXX/2015 thru XXXX/XXXX/2015 BofA continued to allow XXXX charges to closed account. I did forget to change the XXXX payment. However, BofA was not supposed to allow ANY purchases as I was guaranteed by XXXX ( BofA representative ) on XXXX/XXXX/2015 when I closed the account that NO OTHER CHARGES would be allowed at all. 
3. Contacted XXXX on XXXX/XXXX/2015 to get the payoff amount - he stated it would be {$2600.00}. 
4. XXXX/XXXX/2015 A payment was made in the amount of {$2600.00} was drafted from my credit union. The online platform showed a lesser amount, however, I paid the amount stated in # XXXX. Again, after the account was paid in full on XXXX/XXXX/2015 - Bank of America allowed another charge from XXXX on XXXX/XXXX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX for XXXX dollars account is closed and confirmed by a company representative. Paid off 

Company response: Company chooses not to provide a public response
Consumer complaint: I was interested in obtaining a debt consolidation/personal loan to pay off higher interest rate credit cards. I shopped around, reviewing rates at various banks. Wells Fargo ( on their website www.wellsfargo.com ) has a payment calculator for each state, with their rates, so this is what the interest rate reflected was : XXXX for 36 months ( FL ). It does not state an APR range at all, but a fixed APR as XXXX for XXXX months, for the amount I was requesting. 


https : //www.wellsfargo.comXXXXRate and Payment Calculator ResultsThe following are results for Unsecured Personal Loan in Florida. Included are XXXX additional results that show your APR and monthly payment if you select a different term. 

Amount Term APRXXXX Monthly Payment {$6500.00} XXXX months 8.231 % {$560.00} {$6500.00} 24 months 8.247 % {$290.00} {$6500.00} 36 months 8.248 % $ XXXXXXXXReady to apply for a Wells Fargo personal line or loan? Apply NowVisit a store or callXXXXXXXX. 

This is completely deceptive ( UDAAP issue ) since then when I applied that same day, at the Wells Fargo branch in XXXX XXXX, FL ( XXXX XXXX ) I was approved at 12 %! I have stable income and my FICO SCORE is not only Excellent, but the highest range. 

Therefore, Wells Fargo is apparently deceiving their customers by stating the rate is 8.248 percent and then doing a bait and switch and saying the person is approved at 12 % ( with Excellent credit! ). 

I refused the loan, since I can get a 12 % loan anywhere and the whole purpose of the loan was to lower interest rate but wanted to let the CFPB know of this unfair and deceptive practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. 
Name : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My mortgage company increased my monthly amount from {$860.00} to {$1100.00} for the next 12 months. I was told by them that my property tax and home insurance increased and they paid the increase in my behalf for a year. I asked why was n't I notified when this increase first happen.i informed pacific financial union that I did not receive a phone call or letter until they increased my monthly mortgage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX, XXXX, XXXXThe name above is on my credit report and that is not me. 

Company response: Company chooses not to provide a public response
Consumer complaint: MACYS has twice charged me outrageous " late fees '' - for example, on a balance of {$85.00} Macys charged a fee of {$40.00}. In addition this fee is not properly charged ; during my phone calls to Macys I cancelled my account, but Macys did not cancel it. Macys inattention to the content of those calls is as outrageous as the outrageous fees themselves. 

Company response: Company chooses not to provide a public response