AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Equifax, Trans Union and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch several times but have never been given correct information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD ME 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are several remarks listed on credit which do not belong there. No verification is obtainable and the following remarks need to be removedState Tax lien # XXXX XXXX # XXXX Outdated and inaccurate all XXXX XXXX accounts are open and active and paid on timeXXXX XXXX XXXX Inaccurate and needs to be removedXXXX XXXX XXXX XXXX Unknown and no such debt owedXXXX XXXX XXXX Unknown and tried to request verification nothing is obtainableI want the above removed off of my Experian credit file 

Company response: Company chooses not to provide a public response
Consumer complaint: A fellow Co worker, Used my information to buy a car. I am a nurse and a Patient with the Company that I work for so that Nurse " XXXX XXXX '' used my personal information with out my knowledge and There are several creditors that are calling one particular number XXXX Claiming that I owe them funds or if I know where to reach XXXX. I have advised XXXX that I did not authorize for my information to be used, yet they cont. to call. XXXX would be able to access all of my information through a company application that stores all patients demographics. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the XXXX Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court. 

Company response: Company chooses not to provide a public response
Consumer complaint: Rpm or Receivables Performance Management called my mom to get in contact with me over a payday loan they stated I owed on. When I called to find out who they were and to get information I was informed that I owed {$300.00} dollars and the funds were deposited into XXXX XXXX. I have never had XXXX. I then told the lady that the only payday debt I had I already paid off. She basically called me a liar and said I could be taken to court. I have not gotten another payday loan besides the one I paid off in over XXXX years so I do n't understand why I am being harassed now. I also do not appreciate them calling my work and my parents and stating they are a debt collector. When I asked for my account information she would not give it to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently FIA card services closed all XXXX of the credit card accounts I have with them. They also failed to pay {$200.00} worth of reward dollars to me for my purchases I made with their credit card prior to the account closures. Had I known they were going to close my accounts, I would have made these purchases with another credit card. Throughout my relationship with the company I always paid my bill better than required, and I never made a late payment. I followed their terms and conditions, yet for some reason which they have not disclosed to me, they closed my accounts. 

I want to receive the {$200.00} in reward dollars they promised to me in accordance with their terms and conditions. I tried to resolve this by calling FIA, but the telephone representative was unable to redeem the XXXX points to my Fidelity account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I returned XXXX appliances to Sears after XXXX became unavailable after purchase. It took nearly 3 months for the credit to appear back on the credit card, a Sears card issued by Citibank. For two months, I 've been asking for the credit to be transferred directly to my bank account ( consumer is given the option of a mailed check or direct deposit ). Each of the multiple times I have called, I was told it would take 3-5 business days. Two months later, I 'm told I was sent a check on XXXX/XXXX/16 which can take 7-10 business days to arrive. Total amount due to me is in excess of {$4000.00} 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was with XXXX for about two months, they did n't supply service/towers in my neighbourhood, never had reception, towers were always out of service. I called daily on landline to get service on my non working phone, their answer was that it was the phone, not the towers, reset my phone multiple times did not help. They did not fulfill/breached their end of the contract, I moved service because they could not supply me service. I paid the two months I was with them and returned the phone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a XXXX from XXXX close to 2 years ago. I was told by the sales clerk that the one I picked out for XXXX dollars was not a good XXXX, so she directed me to a more expensive one that was over XXXX dollars for the device and XXXX a month. It is a device that allows you to have wifi service through XXXX without having XXXX in the home you are in. She told me that XXXX of the XXXX dollar one would be refunded after 60 days of having it. So I bought it. I also, of course, had to sign a XXXX yr contract for it. When I took it to where I work since there was not internet service there, it had continual horrible service. I called 3 times over a two week period to speak to customer service and they said there was nothing they could do and that I could not bring it back. They also said that if I tried to get out of my contract there would be a fee for it. They also said there was no rebate on that device, and that the sales person lied to me, but even if there had been there still would n't be no rebate if I cancelled the service for the XXXX. I was told that the charge would be XXXX dollars. My dispute was that if I kept paying on a product that did n't work for the next three months ... that would be more than my rebate that I still had n't seen as promised. I got nothing but a continual lies from them. XXXX customer service was so rude that I just told them I needed to hang up. I could n't take it anymore. I still had my XXXX phone service but disconnected my XXXXI and then I paid my cell phone along with my early disconnect XXXX fee. I tried a few more times to try to get the charge taken off since it never worked in the first place and I should n't have to pay on something I ca n't use AND that I should n't have to pay just to get back a rebate that some sales person said I was entitled to and then another said that I was n't. All of this just drove me crazy so I gave up. I paid my phone bills and then just dropped XXXX since I had been with them for so long that I no longer had the initial contract with them. It is now and has been for a long time on my credit report under XXXX different companies and is bringing down my score. It is upsetting and I do n't know what to do anymore. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My and my ex girlfriend had a lease in XX/XX/XXXX to XX/XX/XXXX at XXXX. We fulfilled a year lease around XX/XX/XXXX and was on a month to month basis. We moved in XX/XX/XXXX a week early. Since we paid rent before the month.now they claim we broke the lease which we never had. Reported XXXX different balances to ncc {$1400.00} and {$500.00} Ncc was n't provided our lease by XXXX but reported these amounts on my credit report. Since I moved XXXX has n't contacted me about this issue. This has happened to a few other people who has rented there. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX and XXXX, both have errors on my credit reports. Each error is different with each agency. XXXX is listing employment places I have n't worked at for 7-10 years. I want it removed. I 've been on XXXX for 8 years. Why are they still showing up? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have asked experian to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. As the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've called the company and explained, that I 'm trying to buy a house. Also I 've been on-time for a while can you please help and take some lates off my account the company refused my request. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America let me apply for a mortgage for a condominium in XXXX Fl. Fully knowing they were in a legal battle with the Home Owners Association, and we 're not writing any mortgages for this particular property. 
Bank of America charged be {$450.00} to apply. 
There after they B o A told me that the H O A did n't have enough insurance for the units, even though the condominium increased their insurance, even after they had underwritten XXXX mortgages in the corporation of the condominiums. 
They have refused to give me my application fee back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently relocated and during my relocating, I have been made aware that I have a fraudulent debt on my credit report from Financial Management Solutions LLC ( FMS ) located at XXXX XXXX XXXX XXXX XXXX, MD XXXX for {$1300.00}. They are claiming this debt was acquired from money owed to a rental management company called XXXX XXXX that went into default XXXX. I did not move into the property until XXXX/XXXX/XXXX and when I moved in XXXX, my lease was well expired, I was up to date with my rent payments and had a good walk through and relationship with the management company. I never received any outstanding bill, phone calls, etc in regards to any outstanding debt. I do not owe XXXX anything and when I called XXXX XXXX to inquire about this debt, I was told " I do n't know what you 're talking about, you do n't owe us anything ''. I sent a letter on XXXX/XXXX/XXXX to FMS requesting a validation of debt to and as of XXXX/XXXX/XXXX, have received no response. In the meantime, this debt is on my credit report and is affecting my ability to support my family. I have been in the process of hiring an attorney ( XXXX XXXX XXXX ) in this matter and will update with more information once it has been received. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Canceled service due price increase, that was not part of contract 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputed the issue but Experian decided to remove the account without initiating a fraud alert. Issue : an account under a collector showed on my report. I contacted them and my social number didnt match with the name they had in file. The company who hired the collector, was closed and the owner is currently facing a civil action by SEC due to XXXX of dollars in frauds. They stole my social security number. Their company address is the address that appears under my social security number for the Experian collector account. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been arguing with Bank of America over the balance due on our Mortgage for over Three ( 3 ) Years. They refuse to correct the errors and continue to assess unlawful charges and fees. Furthermore, we have a fixed rate and they send us a different amount to pay regularly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I took out a loan with advance financial under the impression that I was taking out a signature loan only to find out later I was put into a loan that would never pay off. The terms of the loan were not fully disclosed to me. I feel that full disclosure was not given to me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I purchased a home in XXXX, MD on XXXX XXXX of this year. The original lender, XXXX XXXX, XXXX XXXX Lending, subsequently sold the mortgage to Stearns Lending, LLC. To ensure that our mortgage payment was made on time, we set up an automatic bank deduction with the loan servicer, XXXX. That arrangement was corroborated by a letter from XXXX on XXXX XXXX confirming that the initial draft against our specified bank account would be drawn on XXXX XXXX. However, for unknown reasons that did not occur. We assumed that at some point the deduction would be made as per our instructions and waited for the debit to appear. When it became clear that the transaction due in XX/XX/XXXX did n't occur I contacted a Stearns agent in an effort to resolve the confusion. She informed me that we had authorized making a double payment instead of paying in XXXX separate installments, which we preferred to do. The Stearns agent accepted our request indicating it was okay void one of the payments. That would have kept the mortgage current. However on or about XXXX XXXX we received notice from Stearns that our loan was in default. When I subsequently contacted Stearns, I was told by a collection agent that no payments were made and that the original information provided by Stearns was incorrect. It turns out that all the attempted payments were inadvertently cancelled. Sensing that our credit was in jeopardy I immediately brought the mortgage up to date by making two payments. However, checking our credit score this week I noticed that it had dropped XXXX points in the last month to a " not good '' rating. Looking at the actual credit report I see that Stearns reported that we were 30 days delinquent in making our XX/XX/XXXX mortgage payment, even though we tried in good faith to do so. This unfortunate situation could easily have been avoided had I received adequate notice from Stearns that a technical default was imminent. Our credit report shows no previous mortgage delinquencies in our history and that we have always been up to date with these payments. A low credit score has consequences in terms of obtaining additional credit and possible employment. We believe Stearns ' action has tarnished our reputation and that as a remedy the company must correct the delinquency report to the appropriate credit reporting agencies. Premature delinquency reporting is an unacceptable tactic that amounts to harassment causing considerable emotional stress. Incidentally, no late fees were imposed during this entire period indicating that no delinquency actually occurred. We have also filed a complaint with a credit bureau which is investigating the matter. Thank you in advance for your consideration. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've received numerous calls from this company called East PointGroup out of XXXX New York threatening me that if do n't call them back they will file a lawsuit against me and take me to court. Now they are calling my parents home number ( I do n't live there ) and also are calling my ex wife threatening them as well with legal action. Their number that shows on the caller id is XXXX I do n't owe any debt to anyone I just checked my credit report today and nothing shows up listed as East Point Group. I would like them to stop calling and harassing me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. 
XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. XXXX sold or hired Moss Law Firm from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX law firm was contacted and they told me it was a XXXX card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from XXXX and they said they did n't that they were working for XXXX. When I asked for XXXX phone number they said they did n't have it??? red flag If you work for some XXXX you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the XXXX. I thought you could n't do this in Texas. The people at Moss Law firm acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what XXXX the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise 

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