AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Our complaint is against XXXX and BOA. 
Our original loan was taken out with BoA which had agreed in XXXX of XXXX to a modification that we had requested in XXXX because of a drastic change in our income. We had never been late, or behind, and according to BoA have been super responsible to come ahead of time to see what could be done. So from than to including XXXX XXXX, numerous failed attempts of BoA to put the modification in their systems to reflect properly. We have XXXX folders full of written communications with XXXX XXXX, teamleader and assigned manager to deal with the problem, as well as voicemails, from him and other employees working for the office of the president of BoA reassuring us that the modification is completed, and we would get out credit repair and a letter of apology. In XXXX of XXXX we where told that BoA exidenly assigned the deed to XXXX. BoA send a Fax the same Day to XXXX from their Legal department and provided a fax for us as well to proof that they are getting the loan back. Upon further research we found that XXXX does n't own the loan, the deed is held by XXXX XXXX a division of XXXX and not XXXX. XXXX threatend to foreclose, and BoA would stop it, all along promising all is well, and because BoA was always stopping all actions taken by XXXX we believed. Until we ended up having to file bankruptcy to stop forecloser action the morning of, even though we had been told by Bank of America not not to worry everything is fine on the same day. We had to get a lawyer which, has created a lot of off out-of-pocket expenses. We ca n't get BoA or XXXX to finish this or even give us an answer! We think that this is unacceptable, plus now we are finding evidence that transver was n't handled lawful.BoA advised us to not make payments to XXXX, because we would admit to the original dead, and modification would be canceled out. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal did not notify me in advance that I would not be able to use the instant transfer. It seems to be something that is not readily available. You can use it for XXXX transaction and then when you make an identical transaction for the same amount to the same person the next month, you are not able to complete, but the following month you can. A search on google implied that it could be due to an credit card coming up for expiration but offered no other reasons for when that is not the case - and by the way these are not answers from paypal but from other consumers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2015 I contacted TransUnion LLC to request the investigation and removal of incorrect information on my credit file. Over several months I received the generic automatic letter that they send all consumers who disputed their credit file. I took legal action and obtain a default judgment against the company reporting the inaccurate information on my credit file in XXXX of 2015. I forwarded a copy of the judgment to Transunion over the last three months and they still have not removed this inaccurate information from my credit file. Transunion keeps sending me the same letter stating that they have verified the account belongs to me and that I should contact the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not mine. It has appeared on my credit report XXXX different times over the last 5 years, each by a different company. Each time I disputed the debt in the past it has been removed from my credit report. This time however, Commonwealth Financial/North East Credit and Collection inexplicably and inaccurately verified this debt as valid. Additionally, they have re-aged the account to make it appear that it was a new collection as of XXXX, 2015. 

I sent a debt validation letter XXXX on XXXX XXXX, 2015 with no response. I am attaching the XXXX letter and Certified Mail XXXX card. PLEASE HELP! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They called while I was at work ; they knew that. I asked them for the address, quietly and repeatedly to where I could send the money. She kept trying to force me to give her a " post dated check '' over the phone ; even after I explained that I could not do that because I was unsure when the money would get here. She then stalled to keep me on the phone to ask for information she clearly already had, phone number, email, etc. To be really honest, if I can close on this home within the next 30 days ; because of this persons actions ; I would rather take out bankruptcy rather than give them the {$110.00}. I know that seems stupid ; but she knew that what she was doing was wrong. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: About two years ago I visit my local US Bank branch in XXXX CA to open an account, while I explained to the banker thatI am here in US few month out of the year, and I only want to open an account that does n't charge me any fee, the banker has assured me that there will be no charges, I was out of the country for a year and had no access to check my bank or statements, they have started charging me dormant fee {$5.00} due to inactivity of the account. Now that I have visited my local branch they have charged {$57.00} fee and they are not returning this money claiming that this money goes to the goverment. I am a senior citizen and on a fixed income. This transaction was illegal and not authorized and they claim that this is a government fee, and not a bank fee, but they fail to provide an address of the government agency that this money went to. I like US. Bank to refund my money. 
This is taking advances of seniors on fixed income. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a checking account with Suntrust Bank on XX/XX/XXXX with an opening deposit of ( I think ) {$100.00}. I never received a debit card. About 1 month later I received a letter apologizing for not sending a debit card and stating that an extra {$25.00} would be deposited to my account as a courtesy. I never received a debit card, never received more information from Suntrust, and could not open an online account without the card. 

XX/XX/XXXX I received a notice from Suntrust stating my account was overdrawn and that I owed {$7.00}. I had been charged a monthly fee of {$12.00} for 11 months. 

I called in on XX/XX/XXXX and was told that my account was now {$19.00} in arrears and that they could n't cancel the account unless I flew to a state with a physical branch and cancelled in person after paying what I owed. Finally they granted me credits for {$24.00} and said I needed to call again to have my account cancelled. 

I called on XX/XX/XXXX and spoke with a Supervisor named XXXX. XXXX stated that she could credit me an additional {$48.00} but that the system would n't allow her to credit me the full amount of my opening deposit. She said she would close my account the next day and I would receive a check for {$53.00} shortly. 

On XX/XX/XXXX I received a statement ( my first ) from Suntrust showing I was again assessed a {$12.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX I called Suntrust again and was told my account was closed on XX/XX/XXXX after the fee was again assessed. There was no explanation for the processing delay. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account has past the XXXX year mark and has n't been removed off of my XXXX report. It has been removed from XXXX. But still remains on XXXX. By law it has exceeded the time that is allowed to be on my report. Thank you for your help in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion is incorrectly reporting my XXXX XXXX XXXX account as late ; charged off. This account is PAID IN FULL. The reporting was correct and was recently erroneously changed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Received Notification That Experian Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Experian Credit Report Is Still Showing My Debt As {$4800.00} And This Is Not Correct. And The Credit Reporting Agency Should Know, That The Balance is Zero. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of 9 business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of XXXX business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX 's response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bank of America contacted me and issued a new credit card because " an undisclosed merchant '' had compromised my data. When I called and requested the name of the merchant, they said they did not know and I would have to call XXXX. I asked to talk to a supervisor who told me that calling XXXX would be futile as they also would not tell me what merchant had compromised my information. I want to know what happened so I can determine whether I want to continue to do business with the merchant. 

Company response: Company chooses not to provide a public response
Consumer complaint: SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX S.Ct. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status. 

Company response: Company chooses not to provide a public response
Consumer complaint: I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score. 

This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a debt for {$100.00} on my credit files. I disputed through the credit bureaus. However, I am not getting anywhere because they wo n't removed. When I requested debt validation from this company over 6 months ago, I have not gotten anywhere. I pray this time you will help me to get this debt validated or removed from my credit files. 

PLEASE REVIEW PAGES XXXX & XXXX ON THE XXXX REPORT 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a deposit of {$5000.00} on about XXXX XXXX, 2012 for the the loan amount of {$5000.00} minus a {$75.00} processing fee held by Western Sky. I made payments of {$560.00} and XXXX payments of {$480.00} in monthly withdrawals debited from my account until I stop the withdrawals from my bank. I paid a total of {$8300.00} for a {$5000.00} loan with an interest rate of 116.57 % for a total payments to them of {$40000.00} for a {$5000.00} dollar loan. My loan agreement was with XXXX, later sold to Western Sky, and later sold to Delbert services and I have lost track how many times my loan was sold. Looking at my credit report Delbert Services have reported me to the credit union. 

Company response: Company chooses not to provide a public response
Consumer complaint: A garnishment was erroneously placed on my bank account XXXX legal fees were assessed for the order by the bank. The garnishment was lifted and all associated fees reversed aside from the legal order fees. Due to the erroneous nature of the garnishment, I want my fees reversed. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX i purchased a home with a co borrower. The agent of the XXXX loan in XX/XX/XXXX told me my coborrower could not sale or borrow without my permission. In XX/XX/XXXX my coborrower took out a loan without my knowledge and/or permission. The agent for the XXXX loan knew i was a coborrower and the property owner because i met with him and the coborrower in the agents office. I refused to complete the loan. The agent research the records of dead found a deed with just the my exfiance name and gave him a loan. The exfiance took that loan to another organization and refinance with them. The exfiance foreclosed on the property living me no way to nogatioate with the XXXX lender. The XXXX lender has sent a copy of the deed to me on XXXX XXXX that is filed on XXXX XXXX telling my i need sign them. Now the XXXX lender is sending the same threats as the XXXX lender. That i need to sign this deed to correct an error on there part or there will be legal action. I am asking for help to resol e this issue of false deeds being used to aquire loans and take back the possession of my home. I was driving at the time i was told about this site. I have more forms and information to submit it was not with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir/Madam, I already complained about BOA about a issue to cfpt ( Case number : XXXX ). The BOA contact person named XXXX ' is in touch with us about the inquiry. She is repeating the same complaint whatever I complained about the BOA. BOA is not acknowledging the fact that there is a wrongdoing in the process of account opening. 
I went with the intention to get a promotion by opening account. If I am not eligible ( actually I am eligible which is my previous complaint ) they should have let me know so that I would n't have opened the account and end of story. Now my account was opened and I wasted lot to time to track this. 

1. I am looking for action from cfpb to stop this wrongdoing from BOA side. 
2. I am looking for compensation for wasting my time to track and expose this. 
Here is the case Id with bank of america # XXXXOur BOA Business Checking account # is XXXXXXXX XXXX ( XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am contacting the CFPB as I am at my wits end and do not know what else to do. I have an FHA loan with Suntrust and my loan modification request was denied XX/XX/XXXX. The denial letter stated I was denied for FHA HAMP and FHA standard modifications because the investor decision was not received within 30 days. Which it hadnt even been 30 days because I submitted an updated modification request on XX/XX/XXXX and on XX/XX/XXXX, I was advised XXXX additional paystubs was required which I sent that same day. On XX/XX/XXXX, I was advised the file was complete and sent to the investor for a decision. The modification was denied on XX/XX/XXXX which is less then 30 days. I was then advised my only option is liquidation. I quickly appealed this denial and today, I was told the appeal was denied and still, my only option is re-instatement. My loan originated XX/XX/XXXX and my rate is 6.125 %. My monthly gross income which is based off my weekly paystubs is {$4000.00}. 31 % of that would make the proposed modification payment {$1200.00}. My current payment is {$1400.00} so there is still a small savings. I am not even asking for a lower payment, I am just begging this bank to acknowledge my major hardship and give me a chance to resume making payments so I can keep this home I love and need so much. My reason I fell behind to begin with was due to XXXX. I had been out of work for a few months while XXXX. When I was finally strong enough to return to work, I applied for a modification and I have been getting denied since. I have all the medical documents to prove all of this as well. 

Company response: Company chooses not to provide a public response