AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for housing a car ), which was highly embarrassing and has negatively impacted my lifestyle. 
( optional ) With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Account /cell number XXXX delete the above information as quickly as possible. 
Sincerely, XXXX XXXXYour NameSSN # *********** 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XXXX for the amount of {$320.00} from an E-bay seller " penandbeyound '' ( see attachment page XXXX ). The purchase was made towards XXXX XXXX XXXX XXXX fountain pens. I had originally complained to BofA after sending back XXXX item ( {$210.00} ) as it was DEFECTIVE ( the inner mechanism does not work ) not " broken '' as the seller claims, and wanted the seller to refund me the {$210.00} only. This XXXX item was sent back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX dt XXXX - ( see attachment pages XXXX ). While BofA was investigating, XXXX decided the case in my favor and sent me an e-mail requesting me to send back both the items I purchased from " penandbeyond '' ( see attachment page XXXX ). I returned the remaining XXXX item as I had already returned the first item and I send this second item back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX ( see attachment page XXXX ). BofA originally sent me a form letter to fill out and send it back with the information ( see attachment pages XXXX ) which I did on XXXX. Unfortunately, BofA has not yet contacted me nor has it reversed the charge of {$320.00}. I have attached copies of all the documents that I sent BofA for your perusal. Please help me get back my money for the XXXX fountain pens I bought and subsequently returned. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XX/XX/2015 for the amount of {$73.00} from XXXX ( see attachment pg.XXXX ). The seller sent me an email infng me to return the item for which he would refund me {$64.00} minus the shipping charges ( see attachment pgs XXXX ). I returned the item by XXXX on XX/XX/2015 ( see attachment pgs. XXXX ). The seller received the return on XX/XX/2015 ( see attachment pg. XXXX ). I called BofA soon after the return but I had not received my refund from the company. BofA representative assured me that the charges would be refunded but I do not see any refund. Please help me get back my refund. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 i was emailed a BMO Harris checking account cash coupon for {$200.00} to open a new checking account with promo code XXXX ' and to deposit at least {$100.00}, set up direct deposits of {$300.00} or more within 60 days of opening a checking account and to maintain such direct deposits it would deposit a {$200.00} bonus into my account 120 days after my account became opened. 

On XXXX XXXX, 2015 BMO Harris Bank N.A . approved me and opened a checking account for me where i deposited {$100.00}. On XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, & XXXX XXXX, 2015 I set up direct deposit and had my monthly {$750.00} social security income deposited on each of these months. On or about XXXX XXXX, 2015 i contacted BMO Harris Bank N.A . at its customer complaint resolution at telephone number, XXXX, concerning my {$200.00} bonus and was told by a female BMO Harris representative i needed to wait until my XXXX XXXX, 2015 direct deposit came before this representative could place a request that I be able to receive my {$200.00} bonus. On XXXX XXXX, 2015 this representative put a request in which BMO Harris told me takes 3-5 business days to process and stated that if my {$200.00} bonus was not deposited after XXXX XXXX, 2015 it could expedite my deposit immediately. However, on XXXX XXXX, 2015 when i contacted BMO Harris concerning my {$200.00} deposit another female representative, XXXX stated that she spoke with another department in BMO Harris who informed her that I would have to wait until XXXX XXXX, 2015 to get my bonus. 

Per BMO Harris Bank N.A . terms in its checking account cash coupon for {$200.00} it clearly stated that after 120 days of my account opening i would receive my {$200.00} bonus. Again, this account was opened on XXXX XXXX, 2015 and 120 days from that date, was XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of items I made on XXXX.XXXX.15 for the amount of {$73.00} from XXXX ( see attachment BofA statement ). I had already sent in all the information requested by BofA on XXXX.XXXX.15 ( see attachment pg XXXX ) but I have yet to hear from BofA. The items were refused and returned to the seller and the seller accepted return onXXXX/XXXX/2015 ( see attachment pgs.XXXX ). I could not accept the items and wanted to make a change in the purchase, but I could not contact the seller. Although all this information was sent to BofA, I still have not seen a reversal of the charges. I will be grateful if BofA issues me a refund as the itmes in question have be refused and returned. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company calls me 5 times a day regarding a late {$61.00} payment. on XXXX/XXXX/15, XXXX PST, I spoke with XXXX and explained the issue with the calls. I agreed to arrange a payment date for my account ( which I did right then online ) and she advised she would have the calls stopped. ( I have a printout of this online conversation ) Not even 2 hours later the calls are continuing. 5 calls a day is very excessive and I feel harassed. And the calls are 7 days a week, including Sundays. 

Company response: Company chooses not to provide a public response
Consumer complaint: we have had XXXX XXXX as our lender on our first and second mortgage for over 20 years about 2 years ago they sold both our first and second mortgage to a company called Statebridge Co. in Colorado we made our payments on time and then the first week of XXXX we got a letter that the said the mortgage had matured and that we had untill- XXXX XXXX to pay {$320000.00} in full or they will foreclose on our property we have tried refi with them but they wont listen at all any help would be nice also they had both our mortgages but about a month ago the sold our XXXX mortgage to XXXX servicing about 3 weeks ago. We need some help they are totally uncooperative 

Company response: Company chooses not to provide a public response
Consumer complaint: I am continually being harassed by a Debt Collector who has charged me with miscellaneous charges from my former landlord. 

I am in dispute with my former landlord over their refusal to return unto me my security deposit for the sum of {$2100.00}. They are also charging me above and beyond my security deposit of {$1100.00} plus interest for alleged damages. 

I have asked repeatedly for proof of this collection notice and alleged damages and neither the landlord or the debt collection company has provided any, yet they continue to harass me with threatening phone calls while assessing additional fees charged to me. 

I have carefully documented my departure of my former residence and the lease agreement, which I was in full compliance with. 

The Residential Landlord Tenant Act of the State of Washington, required landlords to conduct a Move in Inspection and written checklist, with the tenant at the time of move in. Because the landlord did not do this, I am demanding my security deposit back in full. 

RCW XXXX specifies that the landlord is liable to the tenant for the amount of the deposit, and the prevailing party may recover court costs and reasonable attorneys ' fees. 

RCW XXXX requires all landlords in the State of Washington to refund all security deposits within 14 days of vacancy from the tenant. Since I had given notice and which was indicated by the amended lease agreement that I would be vacating the premises prior to the termination of the lease, my former landlord had ample time to refund the security deposit and or send a written letter indicating why they are holding it back. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: For the past 3 days, I have been trying to obtain my free credit report from Experian, via the " annualcreditreport '' website. Each time, I answer the preliminary questions ( name, SSN, etc ) and get to the XXXX screen ( specify which report you want ). I request only the report from Experian. At that point, the request fails. I get a message from my web browser ( XXXX ), stating that it can not validate the security certificate for annualcreditreport.experian.com. When I tell the browser to continue anyway, I get a message from Experian, saying that my request can not be processed at this time, try again later. In previous years, I have been able to request the free credit report from Experian and the other XXXX companies, via the annualcreditreport.com website. I suspect that Experian is causing this problem deliberately, to prevent people from obtaining a free credit report from Experian. Furthermore, there is no way to contact Experian via email to report the problem. I request assistance from CFPB to obtain this report, and that CFPB take action against Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, my home at XXXX VA.was officially closed ( Acct # XXXX old loan number, Va loan, XXXX XXXX , .-XXXX new loan number, FHA, Freedom Mortgage. Freedom Mortgage did a FHA refinance, but since I am a XXXX Honorably Discharged XXXX, I should recieved a Va refinance. I brought XXXX back on XXXX XXXX ( Va loan ) I want a refund from Freedom Mortgage ( FHA over pay ) from XXXX toXX/XX/XXXX for the FHA loan. I am XXXX years old, a senior citizen, and I feel that I was taken advantage of. 
On XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX Sales and Marketing Representative, Phone number XXXX, I had my new home home, XXXX XXXX XXXX XXXX, I had my new home constructed by this company. I was told by XXXX XXXX that based on my debt to income ratio, I had to rent XXXX in order to purchase XXXX XXXX XXXX XXXX. According to my checking account on XX/XX/XXXX I had, {$34000.00} in my checking account, so my finance statement was not a problem, and I was able to buy a {$240000.00} new home, from, XXXX XXXX. According to XXXX XXXX XXXX XXXX, a finance consultant with, Low Va Rates, Va Mortgage Experts- phone number XXXX, XXXX XXXX XXXX said if anything, I should have been told to do a short sale of XXXX But with about {$23000.00} in repairs and upkeep, and evictions since XX/XX/XXXX, selling sounds lick a better ideal. By the I want a {$23000.00} refund as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: the date is wrong when the collection was put on my credit report 1.It was in 2009 when it was in collections2.the amount is different from when first put in collections 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted TRans Union and did an online dispute because they are reporting that I missed XXXX mortage payments. I have not missed payments, my mortgage payments are LATE. a big difference from missed payments. If I truly missed XXXX payments my house would be foreclosed upon. I contacted them twice and they told me both times they are reporting correctly and the information has been verified by my mortgage company, XXXX. I contacted XXXX and they said they are not reporting it as Missed payments, just late payments. I ca n't get Trans Union to update or correct this. I have attached the email from Transuion showing the results of their investigation or the XXXX time and it still shows XXXX missed paymnts on the mortgage. I attached my most recent XXXX statement.As you can see payments have been made and I am missing on payment for XXXX 2015 which actually is sitting in unapplied funds. Nothing on this shows I am XXXX payments behind as trans union is reporting and wont ' fix. 

Company response: Company chooses not to provide a public response
Consumer complaint: Never worked for " XXXX XXXX XXXX ''. Worked for XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Previous work history does not include this real estate company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to accounts you 're reporting to on my credit reports Please be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports XXXX is a clear violation of Public Law XXXX ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am trying to get a loan modification from SunTrust Mortgage , Inc . I sent my documents in their pre-addressed envelope, but they say they never got it. Today I tried to fax the documents, but the fax phone just rang and never picked up. I am going to try scanning and emailing, and I will resend the documents USPS return receipt. SunTrust does not offer an address for overnight packages. I get the feeling I 'm being XXXX around - that my documents were indeed delivered but are lost somewhere, and that the fax number provided is bogus. 

Company response: Company chooses not to provide a public response
Consumer complaint: i tried to order my credit report from experian on line and they could not verify my information, when i then orderd in the mail they sent me someone elses credit report that does not belong to me, i now have someone elses personal information 

Company response: Company chooses not to provide a public response
Consumer complaint: I went on free credit report site to request my free credit report using the credit bureau transunion. When on the site I asked to save as pdf so that I can read the file. When I tried to open the file I got the following messageCould n't open PDFSomething 's keeping this PDF from opening. 
Go back to the last page I was never able to see my free credit report. The page then went right back to the free credit report request and it would not let me retrieve the report. I never saw my information and then transunion had a an advertisement to buy purchase a monthly screening I declined. Your assistance to this matter is appreciated. 
thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my report is states that I have XXXX XXXX XXXX Student Loan accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an installment loan in which payments {$210.00} are deducted bi-weekly. I had a loan payment which was due on XXXX XXXX 2015, however, my paycheck was deposited early and I wanted to make sure that the loan payment was made. I spoke with an agent on XXXX/XXXX/2015 to arrange payment for the XXXX/XXXX/2015 payment which was subsequently deducted from my account on XXXX/XXXX/2015. Today, XXXX/XXXX/2015, I noted that an additional charge of {$7.00} drafted from my bank account. I contacted the company and was told it was a fee for paying early. I was at no time advised of this while making the early payment. I was also advised that a rebate offer that I used when initially applied for the loan would be voided because I made a payment a few days early causing me to incur an additional charge of over {$80.00}. I was never made aware of this when making the payment a few days early and only made the payment to prevent any issue with timely payment since the XXXX holiday was coming up. I should not be penalized for trying to take care of my obligations and ensure prompt payment. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Experian continues to report an illegally obtained/fraudulent account from XXXX XXXX XXXXThe original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. XXXX XXXX XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sears allows there automated attendant to call your phone excessively even when you have them note the account that your going to make your payment on a specific date because your loved one is in the hospital with XXXX and you need that money to go back and forth to the hospital. To date my loved one with XXXX passed away and Sears still kept calling insisting on a payment. Today is Sunday and my family and I were in church and I had to leave the building so that this company could menace me once more. I explained the above mentioned and was told that the reason they keep calling is because they can not get in touch with me. Newsflash, I spoke with Sears on XXXX XXXX and told them when I had a chance I would get back to them. It is unfortunate that a death and a holiday kept me from calling them. They forgot that XXXX was upon us and that my family and I were grieving. I 've asked them to note the account not to call on a Holiday or on a XXXX but I can not be sure that this will happen. Most importantly this situation of debt collection is not my fault that Sears messed up on taking the payment since my receipt and on line statement indicate that payment was received. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i noticed i have XXXX hard inquires my report i did not apply for XXXX, XXXX.XXXX how doi get them off.i am trying to raise my score and i have read these are not good i am a new member and i thank you so much for all this information '' i would not even know about these inquires!!!! 

Company response: Company chooses not to provide a public response