AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: EXPERIAN refuses to delete incorrect variations of my name and address despite my repeated requests to do so as well as providing documentation to them again and again. They refuse to list the XXXX XXXX on my address and have placed the statement " High Risk address because it has pertained to a business or was used as a mail drop or a delivery service. '' This is because they are confusing the business and Post Office in the LOBBY of my building with my condo! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America customer service charges and telephone fees and non disclosures and discrimination in lending hold fees 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello! My name is XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I have a problem with Citibank Sears Credit Card. They offered me a Zero percent interest balance transfer with a fee that I agreed for the transfer. When I received my statement of account, they started charging me with 3.99 percent APR. When I called the company, they told me that when I encashed their check, it was a 3.99percent APR. I told them based on my coversation with their agent over the phone he offered me he offered me 0 percent APR. They told me 3.99 percent was for longer payment period and and 0 percent was for a shorter period. Since this communication was not clarified with me by the agent, I was requesting the APR of 0 percent with shorter payment period. When I called and talked to the manager, he said he can not change it. It was the fault of the agent for not clarifying with me the transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XXXX 2015 I submitted dispute to the credit reporting agency, however have had no luck, or received any information on why my dispute was not deleted from my report. i feel like they are ignoring my letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: For two months now I have been dealing with LenderLive lying to me about my taxes on my property and even before that they have lied to me. When I was refinancing they told me they would not add any money onto my refinance and after I had signed the papers they added {$7000.00} to my loan! But back to the taxes. XX/XX/XXXX a represenative and I talked and they told me to avoid my monthly payments going up I would need to pay {$1800.00} into my escrow. So I did, but then my payments still went from XXXX to XXXX a month even after paying them. I call them multiple times and the representative tells me they will survey the account to lower the payments but on a final call turns out the taxes had gone up on the property so it would never really go down. Well I get a letter in the mail today on XXXX XXXX, 2016 saying the estimated taxes instead of being the original XXXX they raised it to it would be lowered to XXXX as of XXXX XXXX, 2016. But once again another good old trick from lenderlive! I look on their website to verify and according to their website as of XXXX XXXX, 2016 my payment will be going up for my taxes to XXXX a month. All of this does n't sound right to me, I feel like I am getting scammed. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My Private Wells Fargo loan is literally theft. I have been unable to have a balance budget with a {$250.00} monthly payment along with all my other debts, bills, and living expenses. My city 's living expenses are going up, making it difficult on a bi-weekly basis to have money to eat. Also, making difficult to save money to pursue my passion of music, as it was reason for me to pursue a college degree and required this loan. Spoke with the Loans Consolidation department and the Loan Modification department to lower my payments, to only discover that I can not, because " I have enough income to pay their monthly cost ''. This is due to the fact that they do n't consider a few of my other debts as a recognizable problem ( e.g. XXXX XXXX loans ). I am in need to remove my co-signer, lower monthly payments and interest rates, so I may have more money for living expenses and money to support my music career. This way, I have the means to create a secondary income to further make it possible to take care of debts. This private loan is theft and the standards are too high, in order require to consolidate/refinance or lower monthly payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been in our home for 2.5 years and have done a lot of work on it. We have a conventional, fixed rate mortgage to which we initially put down 10 % at closing. We have contacted our mortgage provider in order to obtain a reappraisal because we believe the value of the home has increased and that our loan to value should give us at least 20 % equity in the home. The mortgager ( to whom our mortgage was sold by our original mortgage company ) stated that because we have not been in the home for at least 5 years that our loan to value must exceed 25 % equity. Is this consistent with Homeowners Protection Act? 

Company response: Company chooses not to provide a public response
Consumer complaint: Well I got a loan on a XXXX Toyota Corolla. The Dealer told me to drive the car for one year and pay on time.He told me I could refinance. That did not happen. I pay XXXX a month for 72months. By the time I get through paying for that car. I will have given them {$37000.00} Which is outragous I have already given them over XXXX dollars. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently looked at my credit report and saw that I had a debt in collections. I would have immediately paid this debt if I had known about it but have never received a notification of it. It was a {$110.00} medical bill that I have since called the hospital about and paid it since it was still in their system, but this debt has negatively affected my otherwise spotless credit report. I need to know where the communications about this debt were going because they were not going to any of my residences since the debt went to the collection agency. 

This debt has been on my credit report since 2012. I have not been contacted about it since. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I received an initial phone call from Credit Management of XXXX, TX regarding a debt that I was unaware of. I was told that information would be received by mail and on XXXX XXXX I did receive a letter of notice. No details were included and as such I submitted a request by mail ( received on XXXX XXXX ) for verification of that debt. 

I have not yet received that verification however their phone calls and attempt at collecting resumed again today, XXXX XXXX, XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I called to verify the address to send my request for removal of a paid debt that is on my credit report. I spoke with XXXX XXXX at Financial Management Solutions, she stated that the address on the XXXX credit file for company was not correct. I requested the correct address to send my request for removal. As I proceeded to tell her that I was sending correspondence to have this debt removed, she became very nasty, would not answer my questions, and kept asking for my number, I requested again an exact explanation of the process she refused and begin to say I was arguing with her about my " unpaid debt '' I stated I was not arguing and if she gave me a chance to speak or complete my sentence without her bullying. I was very upset and she continued to tell me and insult me. I asked for a supervisor and she stated that was her and that she said all she has to say. I I told her I have a right to verify the information, she continued to state that I keep talking and not giving her my phone number. I asked again for clarification of the process and she hung up on me. I called back a gentleman answered the phone, I was transferred to her again and she started to yell, I said that she is required to validate the information, and speak to me in a respectful manner. I said if she does not stop being abusive I will report her. She oh you are threatening me .... and hung up on me. I am very upset and I still do n't have the information on how to get this paid debt removed from my account. Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit Solutions LLC is attempting to collect a debt that was paid by my insurance and continues to report false information to the credit bureaus. The debt was error by XXXX and no amount was ever owed by me personally. Credit Solutions is aware of the false reporting yet continues to report it. I have suffered financial damages as a result of their false reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I refinanced my mortgage. Because of the way the dates fell, after payoff I was due back approximately {$1800.00} from my old lender ( Freedom Mortgage serviced by LoanCare ). One month after payoff, I called to inquire about my refund check. The XXXX rep said I had to wait 3 months before they would look into it further or reissue the check. I called back on XX/XX/XXXX. The XXXX rep had trouble finding my information because she said the loan was " closed '' and " archived '' so she had no record of it in her system. She said she 'd put in a request to have it reissued and I asked her to verify my address and she said it was correct. Weeks later ... still no check. 
I called back XX/XX/XXXX and was told the earlier Rep had " messed up '' and did n't file the proper reissue request. Then I was told my address on file was also wrong ( they had # XXXX instead of XXXX ). This Rep promised to put a rush on my reissue request. I called back last week because I still had n't received the check. This time I asked to speak to a Supervisor who claimed his name was XXXX XXXX and ID # was XXXX ( but he sounded as if he was lying ). He said my loan was closed and they did n't have access to my information. He could n't confirm the status of my refund check nor whether my address was correct. When I pleaded for help as I needed that money and asked him, would n't he follow up on nearly {$2000.00} if he was in my shoes, he said " No M'am ''. He pretended to take my email address and phone number and promised to follow up. Now nearly 7 days later and he has not followed up nor have I received my refund check. This is illegal for this company to hold my money in this way and claim to have no record of it. I can not believe this servicer is allowed to exist. They are corrupt and a total mess. I just want my money back that is rightfully mine, and I want the CFPB to investigate this company. Just look at their XXXX reviews to see how horrendous they are : XXXX They are stealing from US citizens . Now it is getting close to tax time and I was counting on these funds to pay my property taxes. What am I supposed to do? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid for as long as I could on a {$6000.00} loan. I lost my job, and now I am on Social Security. 

The debt was apparently bought/sold to a new company, and I believe they have violated the FDCPA by : 1. Refusing to validate the debt, and instead trying to serve me and sue me 2. Collecting past the statue of limitations for TN, which is six years from the date of the last payment. They claim I made a payment in 2012, I did not, and they will not provide ANY proof that I did. I need the Federal Government 's help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CFPB COMPLAINT # : XXXX US Bank Mortgage my name is XXXX XXXX and ref. to the said above complaint # I have called and talked to a CFPB representative named XXXX on XXXX/XXXX/2016 to help me resolve the issue with US Bank, she has told me she will mail me documents that were received from US Bank, but as of today XXXX/XXXX/2016 I have not received them. Please do not close my case yet because I need to know which month in which year US Bank is claiming that did not received mortgage payment on my property? so I can prove US Bank with a copy of the cashier check that was issued, received and stamped by US Bank on that month. I called US Bank but unfortunately no respond, applied for a loan modification but again no respond yet. Please review this case and help me to get requested documents from US Bank on mortgage of my property at XXXX XXXX XXXX, XXXX, Ca XXXX My phone # ( XXXX ) XXXX Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Focus Receivables Management of XXXX, GA has put false negative information in my credit report. They are claiming I set up an account in XXXX 2014 for {$60.00} and then did not pay. They made no contact with me except to provide false information that shows up as Derogatory Information and Collection Accounts on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I keep getting getting telephone calls from this company asking for XXXX XXXX on my mobile phone. I have stated to the representatives I have talked to that they have the wrong telephone number. But, they keep calling my number time and time again. This has gone on for four months now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received a couple of letters from " Applied Business Services, Inc '' claiming they are a " Security Collection Agency '' that is stepping in to secure medical payments for XXXX XXXX Urgent Care from me. 

I do n't believe these letters are legit, because the Urgent Care I visited has my credit card information on file, and I have never received a bill from them. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: In order to reinstate my mortgage I needed to pay {$9100.00} to Bank of America and I sent a bank check for {$7700.00} that was sent overnight express and they received it on Saturday XXXX/XXXX/2016 and my town sent the difference of {$1300.00} on XXXX/XXXX/2016 as a way to help us prevent foreclosure. I have called countless times to make sure the checks were not sent back. I found out today XXXX/XXXX/2016 that the bank certified check of {$7700.00} was sent back to me even though they noted the account and the account manager XXXX XXXX XXXX knew my intentions. I feel that the bank is deliberately sabotaging my mortgage so they can foreclose on my home. I have been in touch with they repeatedly so they knew what I was doing. In fact I faxed them a letter of my intentions as well. I feel at their mercy and under their control. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX I was contacted by Wilber and Associates regarding an accident I was in on XXXX/XXXX/XXXX and to call back with the case number XXXX. When I did I was connected to a woman who identified as XXXX who stated that I owed over {$7000.00} to XXXX XXXX as I was found at fault in the accident and I had no insurance. I informed her that this was incorrect, the accident was no fault, and, not only do I have insurance, I have full coverage insurance. At this point she became rude, yelling and refusing to let me talk, and stated that she will file with the state to have my license and registration suspended if I do n't pay. I again told her no, and that I would have my insurance contact them to verify what I had said. She continued to yell and tell me she was a lawyer and that they had already been to court to settle this and I missed the court date. At no time was I sent a summons and had received nothing in writing from this company, so I was unable to sent a letter disputing the validity of this debt as I had no address for them and was unable to find one. I contacted my insurance agency on the same day, and they stated that I had nothing to worry about, they were unable to suspend my license as I had full coverage and was not deemed to be at fault, that they would contact them and clear it up. On XXXX/XXXX/XXXX my insurance company stated that they refused to speak with them when they called. I heard nothing again until XXXX/XXXX/XXXX, at which time I received a letter in the mail stating that they sent a request on XXXX/XXXX/XXXX to XXXX to suspend my license. I called them at the number and they stated that my insurance told them they are not responsible for this money and therefore I am uninsured at the time of the accident. I told them this is not what my insurance had informed me, she said it 's going to go through no matter what I say. I told her that they need to speak with my insurance agency otherwise I will be calling back with a lawyer, at which time she hung up on me. I called my insurance back and they stated again that there is no debt I am obligated to pay in regards to the accident. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have made payment in Full to the collection agency ( Receivable Performance Management-RPM, Washington State ) since XXXX 2014 and after several calls to the Debt collector, the information still remain on my credit report as the OPEN unpaid. i have called them several times in XXXX, XXXX, XXXX, XXXX and now XXXX to correct this error and they promised to remove but have not done anything. This inaction is affecting my credit despite making full payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Multiple calls during the day. Some are hang up calls, some are answered, then I am put on hold for 20 minutes and then they hang up. Some verbal abuse, e.g. " you got yourself into this mess '', or " we never take it off your credit report '' ( I was attempting to negotiate a settlement in exchange for a promise to delete ). We get close to an agreement to settle, i.e. 50 %, then the next time they call they start all over again with 90 %. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 2014 my mother requested US BANK, XXXX XXXX XXXX XXXX California for an address change on her CD/Moneymarket/checking account due to her move to Texas. Still after a year and still not receiving statments and After numerous calls by her, then by me, the POA, after a certified letter, after another call to the Branch Manager, XXXX XXXX, then to XXXX, an account manager in Colorado, then to a XXXX XXXX XXXX, District Manager and now waiting for a return call from the Regional President, XXXX XXXX as I type this complaint. I also am disappointed in the Consumer Financial Protection Bureau for their lack of assistance or resolve. Plus, the consultant I spoke with read her que cards too quickly!! 

Company response: Company chooses not to provide a public response
Consumer complaint: They are calling my employer sailing they are XXXX telling my employer false statements ruining my name 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. Zenco Collects representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2016 my wife submitted a payment of approximately of XXXX to Wells Fargo. On the date, there was a correspondence mailed to our house which was " Notice of Default and Requirement of Strict Compliance '' On the document the box IS NOT CHECKED which denotes that " Wells Fargo Dealer Services is informed and believes that you are also in default. '' In other words, the letter suggests future action, but is not checked for immediate action as of XXXX XXXX. On XXXX XXXX, Wells Fargo initiated the repossession of our vehicle despite this correspondence not having the check noted for possible repossession. So, the car, according Wells Fargo 's own paper work should not have been taken. XXXX XXXX XXXX charged XXXX for taking my car and this also cost me 1 day of work, approximately {$200.00}. ( XXXX XXXX XXXX XXXX XXXX. I also had to pay XXXX for a XXXX and the time and frustration of getting my car back etc. 
Wells Fargo claims that they called me, but I did n't talk to them directly and this written compliance form is not accurate based on the actions of Wells Fargo and XXXX XXXX. 
Further than all this, I wonder : is it reasonable to tow a car out of someone 's driveway about three weeks after an attempt to make a payment, which is off by XXXX dollars? And sending a document without setting expectations for repossession? And no record of talking to me in person? I think that Wells Fargo not only broke its contract but harassed me and caused me two days of grief, even shortly after we made an effort to pay them. We had no history of not paying regularly. We have a record of some grace period payments due to over business but not an inability to pay. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a secured credit card with USAA. Secured by a Certificate of Deposit for {$3000.00}. For the past three months when attempting to pay on my account I have learned that even though the credit card account is secured, if I pay the the balance in full utilizing XXXX different checking accounts, the payments will be held for an additional 7 or eight days. I paid {$840.00} on XXXX XXXX, 2016, that payment was placed on a 7 to 8 day hold. I made another payment on XXXX XXXX for another {$800.00} plus and that payment is now on hold for XXXX to 8 days. 
When I first started to notice this happening I called and was told that one of payments was returned and that was the reason, the payments were being put on hold. I was also told that was to be for 3 months. Even though the credit is secured by a CD. 
Then I have an unsecured credit card and pay it the very same way and the payments are applied immediately to the account even though the payments may or may not be paid by XXXX different accounts. 
This is a major concern to me because we expected USAA to be Veteran friendly as it advertises. In addition, we have home owners insurance, flood insurance and vehicle insurance with this company. 

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