AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time. 
XXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX. 
This collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted. 
I do have documentation from XXXX that supports my claim and would be glad to submit that if needed. 
The phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I just reviewed my credit report and I am disappointed by Experian. There is NO such judgment listed with the Court for the date or the amount listed below : Judgment - Date filed XXXX/XXXX/2015 Case Number : XXXX $ XXXXExperian is subjected to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices, ( Section 1031 of the Dodd-Frank Act ). If this entry was indeed verified, please send me the name and address of the third-party provider or furnisher providing this data, so I may pursue additional legal remedies. Experian is in clear violation and I am demanding a full deletion. 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter took out XXXX student loads, which I cosigned. She apparently stopped paying the monthly payments sometime in XXXX of 2015. I was unaware of this until I received a phone call in late XXXX from Wells Fargo, the debt holder. I asked for a statement, and paid the bill when it was received. I then received numerous calls over a period of several weeks and in each instance I asked for a written statement. Each of these statements FALSELY state that I had received numerous prior notifications. That is simply not true. I recieved no prior notification whatsoever. I paid all of these bills when notified, and yet Wells Fargo has now notified all XXXX credit agencies that I am in arrears, which has had a devastating impact on my credit rating. I have always had perfect credit. I acted in good faith to fulfill my obligation as a co signer. Wells Fargo has acted in bad faith, has improperly damaged my credit, and has repeatedly failed to timely notify me of the debt owed, and has refused on multiple occasions to provide documentation when requested. This surely must be a violation of fair credit practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX & XXXX XXXX someone accessed my checking account and withdrew {$300.00} from my account each time at a WFB ATM machine in XXXX CA. This person did n't use my debit card as it was in my possession the entire time. WFB called me on XXXX XXXX via an automated phone system that hung up on my twice before finally completing the call and informing me of a problem with my account but did n't what the problem was or which account was involved. I called them back and after many frustrating minutes the operator told me someone had used my debit card ending in XXXX to access my checking account ending in XXXX and took money out of my account. I told them it was n't me and the charges were fraudulent. A claim was filed and I received an email stating that fact. 

On XXXX XXXX I called WFB again and asked about the claim. They said I had never spoken to the claims department and I needed to go through all of the same information again that I had given the operator on XXXX XXXX. This was not true since I had given all required information to the representative I spoke with on XXXX XXXX. This is another example of how dysfunctional WFB is in their operations and how they use the " multiple department game '' to mislead and delay resolutions for customer service issues ( another example of this is how they handle flood insurance ) Once giving all the information I was told that they would complete the investigation now and that I would receive my money back that same day or no later than Monday. 

At XXXX XXXX PST I received an email with a subject line of " Wells Fargo Claim XXXX : Investigation Completed '' and that " We have completed our investigation of this claim and determined that an error did occur. We have sent a letter by mail with the details of our investigation. '' At XXXX XXXX I received another email with a subject line of " Wells Fargo Claim XXXX : Provisional Credit '' that contradicted the first email stating " We are processing a temporary credit to your Wells Fargo account XXXX. This credit is provisional until our investigation is complete. '' I called Customer Service and they said the email was in error yet I have not received my money back. 

XXXX has a XXXX liability fraud policy mentioned on their website that they are not in compliance with as described at their website ( XXXX ) under the Poweful Protection Features. This card and account do not have " Powerful Protection Features '' and is no different than my ATM card for my Credit Union. WFB is mis-marketing their cards as being safe when they are not. Someone cloned my card at a gas station and WFB did nothing to stop it. They are withholding my funds now pending their investigation per their last email with me. This national bank continues to mis-market their services and mis-treat customers such as myself with their unethical practices and poor customer service. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2015, I filed an dispute with Experian and advised Experian that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Experian that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Experian my mailing address is XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian. Subsequently, I filed a second dispute with Experian on XX/XX/2015, and advised Experian that they never responded to my dispute dated XX/XX/2015, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Experian that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent XXXX And TransUnion multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All three credit bureaus report a different age of these accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to close a checking account with Citibank around XXXX 2014, withdrawing all funds. I have recently learned that following my attempt to close the account, Citi did not close it and continued to charge me fees on the account without my knowledge. This accumulated balance of {$190.00} was eventually transferred to a collections agency, charged-off by Citi, and reported to credit agencies, adversely affecting my otherwise strong credit score, all without my knowledge. Once I learned of it, I attempted to explain and resolve the situation with Citi but got no where, as Citi said they no longer had information on the source of the charge, and it has proven impossible to get to the bottom of this. I recently paid the amount to the collections agency in a belated attempt to fix my credit score, having given up on any hope of getting Citi to correct their error after hours of attempts. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX of 2014, I made a regular mortgage payment to U.S. Bank. They returned my payment and stated that they do not accept partial payments. When I reached out to U.S. Bank in an attempt to understand what happened, no one could help me or explain what the problem was. 
Every month thereafter they have not accepted my payments because they deemed my XXXX payment a partial payment. 

I am XXXX years old and I do not understand what the problem is. I had enough money to correct any mistakes and make XXXX mortgage payments back in XXXX, but U.S. Bank did not work with me, despite my loan being an FHA loan. 

U.S. Bank has now filed for foreclosure against me, and I still do not understand what happened. They still are not working with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage company denying me the real estate tax relief granted to me in XXXX CO, VA as a senior homeowner meeting income qualifications. Mortgage company continues to collect taxes into escrow that have been exempted or deferred although officially they recognize the exemption. They deny the deferral as a lien ( which it is not ) and have no appeal process. My equity is about 80 percent and theirs about 20 percent on a XXXX dollar property, and they say the mortgage might not get paid their declining equity portion when the taxes are paid on the sale of the property. They bill on assessments, not on the County information and actual tax bills. County is returning payments and the escrow balance will be increasing for years, outpacing the mortgage. I have a PDF file to attach that gives more detail and references specific documents and texts. File name is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: In dealing with Regions bank, I never received an initial loan statement for a used car loan. After 30 days I became concerned and contacted them on XXXX XXXX, 2015. They did not have my apartment number in the statement and I updated them accordingly. They noted my payment was due on the XXXX of XXXX but there was a 10 day grace period and asked if I would like to pay. I said no, noting that my first payment I would like to send myself and not through customer service. The rep noted that I would be sent another statement to my updated address and then asked if I would be able to access this account online. They then said yes and offered a checking account, which I declined. The rep noted that I would receive a statement in 3 to 5 business daysOn XXXX XXXX, I received a call from the Collections unit, noting I was delinquent on my loan and asked if I would like to pay. I told them I had called on the XXXX and they were supposed to send me a new statement and that I have not yet received one. The Collections agent noted that they did not see mt updated address and that they would have to add the missing apartment number then asked if I would like to pay. I said again that my first payment I would like to complete on my own and not through customer service. They said I would be receiving my statement shortly. 

On XXXX XXXX I got another call from the Collections unit, noting I was late on my account. I told them I had not yet received a statement and they said my apartment number was missing. I told them I had already spoken to them twice before and still have not received my statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: i made large payments of {$19000.00} and {$120000.00} that were clearly marked as principle only payments. The payments have been misapplied, the new payment has not been adjusted to the correct amount of interest due - instead the company has precharged interest using the larger principle balance that has been reduced. The company has refused to act quickly to resolve the issue. The company ditech has recently within the last 30 days taken over this mortgage from Greentree my previous mortgage company. I need help getting this quickly resolved and penalize the actions of the mortgage company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I bought a manufactured home in XX/XX/XXXX. It was financed byGreen tree finance Co. address is XXXX XXXX, XXXX. 
XXXX XXXX , XXXX. XXXX, XXXX I filed Chapter XXXX bankruptcy on XXXX home was exempt from them ever trying to collect this debt. I thought. I kept the payments to date until XX/XX/XXXX, my wifediedsuddenly in the living room. After that I could n't live there any more. 
The Co started calling me on XX/XX/XXXX, that has been going on now for 14 years and they have had a derogatory report on my credit file for 14 years. I lived in this home in XXXX, and lived in it in XXXX. 
I have tried to talk to them about this account a few years ago and I was told that this will stay on my credit report until some time inXX/XX/XXXX.I have a paper the Federal court Judge stating that they ca n't ever try to collect on this debt or call me Can you please help me get this resolved. Thank you, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I started with disputing with credit bureau because dates were wrong and account was over seven ( 7 ) years old I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way they could say that was if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. it helped but some accounts were duplicates. Then after the ones remaining on report 's dates changed again so I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. I Got my past seven ( 7 ) years of my bank statements and there were no payments made on those days in fact no payments were made in those ( 7 ) years 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2009 my lender admits to making a mistake using an incorrect HUD-1 addendum which caused a delayed endorsement and therefore caused a negative impact on my refinance streamline options to obtain a lower interest rate with a grandfathered MIP rate. 
Although, they admit to making a mistake, they are not reconciling their error with me. 
Refer to attached documentation. I only learned about this mistake because over several years I continued to do research as to why certain refinance options were not available to me and they should have been. If this mistake happened to my loan servicing and it has not been reconciled with me, how many others are unknowingly suffering because of a similar mistake by their servicing lender? 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent XXXX XXXX XXXX o And Experian multiple requests regarding the removal of an old mark on my credit from XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, WRITTEN LETTER STATING THEY WILL REMOVE THE INQUIRY WHEN EXPERIAN IS DISPUTED. I HAVE DISPUTED ALREADY, EXPERIAN REFUSES!!! ( SEE ATTACHED LETTER ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan for XXXX semesters for student housing at the College XXXX. ( Original Creditor ) Since I transferred to a different school my XXXX semester they are stating that I owe money from the loan that was taken out. They sent that bill to a collection agency who wont provide me any proof of this balance. This balance gave me a hold on my transcripts which means I can not further my education without this token care of. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a complaint against BWW Law Group which is a debt collector and as such is liable under the CFPB for it 's actions. 
I have submitted a complete application for a loan modification to the debt collector, BWW Law Group, on numerous occasions to the present. I have received letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, BWW Law Group has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at XXXX ( XXXX ). 
BWW Law Group, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015. 

Debt Collector Address : BWW Law Group, LLCXXXX XXXX XXXX. 
XXXX XXXX, Maryland XXXX ( XXXX ) XXXX ext. XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) XXXXXXXXXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sent a letter from a law firm in XXXX, stating that I violated a statute in XXXX County, Florida. I live in XXXX, Ohio and have never been in XXXX County, Florida. The law firm is Linebarger, Goggan Blair and Sampson. The letter was sent from a XXXX XXXX, who is not an attorney registered in the State of Ohio. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a target debit card payment go through that overdrew my account {$.00} - XXXX XXXX CENTS and they RETURNED the payment to XXXX and slapped me with a {$35.00} fee. I will also now get a {$30.00} fee XXXX. Their overdraft policy CLEARLY states if your account overdraws less than {$5.00} there will not be a fee. Not only did I get the fee they returned the payment entirely. This is insanity! I am now paying {$65.00} for a {$0.00} mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the past few weeks, I have been in a dispute with my bank about not being given a provisional credit for an unauthorized debit transaction by my cable company. In my complaint, representatives were uncooperative and would not issue a provisional credit during the investigation as they had done previously with my disputes. Plus, I had complained about the number and frequency at which I had been charged overdraft fees. After all of this trouble I told my bank I will be closing my checking account at the end of the month. I spoke with several representatives and filed a complaint through the banking system. Still to no avail, the response I received from my complaint was how to file a dispute. I responded to them by stating I was not seeking help, I was only trying to file a complaint on the issues I was experiencing. Then last week I received XXXX checks in the mail to participate as a XXXX. I deposited the checks into my account and the checks were placed on hold until XXXX/XXXX/2015. I had not withdrawn any funds from those checks and was following bank policy by waiting until the checks cleared according to the date given. Today, I tried to log into my account and could not. Then I called the bank and was told they had closed my account due to the checks I deposited were fraudulant. I told the representative, I had no idea and I surely did not know that. I told her that I did not try to withdraw funds ahead of time from the account and followed protocol when it comes to receiving checks that you are not sure of. I was told by the representative I have no recourse and my account would remain closed. I asked what is supposed to happen to my XXXX check that is to be deposited in XXXX days, she stated the bank would issue me a check. I know the bank has taken this opportunity to close my account before I can close it myself thereby holding this against me. If it goes on record that I committed fraud with my bank, this could cause me to have problems getting other accounts. It 's already causing me major inconvienences by closing the account at this time. They know I have direct deposit and automatic drafts set up for bill paying and how much of a hardship this would cause. If I had tried to get any of that money from the account before it was released by the bank, I would have understood why they closed the account. According to their policy, proper procedure would be to reverse the deposit and mail the insufficient checks back to me or I would have been contacted by phone. After finding out these checks are fraudulant, I will be filing a complaint against this XXXX company that sent the checks to me. 

Company response: Company chooses not to provide a public response