AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My transunion reports are showing XXXX accounts that are in collections and they are incorrect due to the fact they were filed in my bankruptcy that was filed on XXXX XXXX 2015 and should not be shown in collections any longer. We received our letter of release of debt from the court so these accounts should n't be showing to be in collections any longer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . 

the system is not taking any attachments at all & gt ; 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mother put me as a joint credit card applicant on a XXXX XXXX XXXX credit card back in 2002 when I graduated XXXX. She did this without my knowledge or consent ( I believe her reasoning was to help me with my credit ), but she has since been imprisoned for criminal activities and has been unable to make payments on a card that I did n't even know existed until recent years. Now, this item is showing up as a negative item on my credit history and is impeding my ability to buy a home. I submitted this dispute XXXX and they had the item removed from my credit history. I have disputed this twice with Experian, however, and they will not remove this item from my credit. I called Experian ( another complaint I have is the difficulty in finding a live phone number to talk to someone ) and they advised that I speak with XXXX XXXX XXXX XXXX which I did, and they advised me that I needed to speak to Experian XXXX and that there was nothing they could do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved by Universal American Mortgage Company ( UAMC ) for a jumbo mortgage at 4 %. I was provided a cash to close summary and a good faith estimate. Without notice and just 23 days prior to closing I was told that my rate was 4.5 % yet rates had not changed in the marketplace. Facing being homeless, I locked in at this rate and was provided a new cash to close summary and good faith estimate to cover UAMC 's tracks. I was told the reason for the change was due to a drop in my credit score and some reference to a non-existent business loss. While there was a drop in my credit score from XXXX to XXXX, the XXXX still exceeded to requirements of the loan when I first applied. There was no loss in my business which the IRS can attest to based on the taxes paid to them on profits as an XXXX XXXX UAMC 's bait and switch tactic will cost me over {$38000.00} over the life of the loan. They are crooks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal has froze both my personal and business accounts since XXXX. The only response I have is " We would like to learn more about some of your recent transactions. '' I have been on the phone with them multiple times and can not get a straight answer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015, I received notice my loan was transferred to yet another loanServicer. On XX/XX/2015 I contacted Loancare and asked if I was on auto pay, they said no, so I paid via credit card for extra XXXX for XXXX loan payment. Then onXXXX/XXXX, they took via auto yet another loan payment. thus followed many calls, emails, ticket # 's, demand for bank statement to prove money went through. Itended with me agreeing and being promised XXXX payment would go towardsXX/XX/XXXX loan payment, and it said so via phone auto report. So today I look atmy bank account, and they took yet another loan payment out, I called and gotmore run around, and they want bank statements. I told them if they had notreceived the funds, they would see an NSF! They put me in the hole! I have nomoney left after that debacle in XXXX, my car needs transmission work, Ineed my car to get to work, to pay my bills, this servicer also changed theirweb site so there is no option to opt out of auto pay. So I contacted my bankand put a block on them and filed many complaints with them. According to theauto account report, I am paid through to XXXX, so yes, they have theadditional funds, and they need to refund me this time, I can not wait. That wasmy whole check. 

Company response: Company chooses not to provide a public response
Consumer complaint: According to the Cardholder agreement with Bank of America, I am only obligated to pay the monthly minimum. In this case, my monthly minimal payment due was not the balance thereof, but a nominal fee of approximately {$25.00} to {$50.00}, more or less. 
On XX/XX/XXXX, I paid, albeit by clerical mistake/typo, a payment via mobile banking transfer of from my checking account to my credit card account with Bank of America for $ {$2400.00}. I intended to, at that time, to make a nominal payment of {$24.00}. Therefore, I respectfully asked for the difference from what the Bank has partially refunded me already -- of {$500.00}, to what I originally paid plus fees ( factoring any interest charges ), which would total approximately $ 2k either way. 
Moreover, according to the XX/XX/XXXX law -- -Credit Card Accountability Responsibility and Disclosure Act, the Bank acted contrary to this Law by changing the terms and conditions and/or my credit card account info via slashing my credit line by 80 % from $ XXXX to {$500.00} without providing appropriate advanced notice ; considering this lack of due diligence and lack of transparency I respectfully ask for the CFPB to secure me the funds for $ XXXX at this time and/or restore my credit line back to $ XXXX with Bank of America XXXX The Bank refuses to issue me a complete refund because my total credit line is only {$500.00} and it would be over my credit line ; moreover, they 've refused to raise my credit line back to the original amount. 

Thanks for your help and consideration! 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Saturday XXXXSerious and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Worked with a counselor found through XXXX ( from XXXX ). She was great. I explained that I had lost my job and that I wanted to see what I could do to not lose my home due to my loss of income. We spoke with Ditech, my mortgage company, and they suggested I fill out and send them XXXX things : a Request for Mortgage Assistance form and a XXXX. I did. Today I finally got through to someone to check on the status and was told that I was denied assistance because I was n't in danger of default. My unemployment income is half of what I was making, and I was barely making ends meet before losing my job. So now I have to file an appeal with more supporting documents, even though they could n't tell me what those documents might be. I 'm trying to get out in front of this thing BEFORE I miss a payment, but they seem only willing to help if I 'm already in trouble. I 've read about companies doing this sort of thing -- denying help until it 's too late, then stalling. I do n't want that to happen to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud. 
They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not opted-in to overdraft protection wherein my bank ( BB & T ) will advance funds on my behalf, should my account balance fall below zero. For years, my savings account has been linked to my checking account for an alternative to overdraft protection, however. Recently, I noticed that I was being charged a {$12.00} " Miscellaneous Debit '' for BB & T to transfer my own money from my savings account to my checking account upon a low balance. This " Miscellaneous Debit '' is charged per transfer, very similarly to an Overdraft Fee XXXX just not {$35.00} XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been involved in a timeshare/vacation club scam in XXXX XXXX XXXX. A transaction was made with my Bank of America Visa credit card. 

I called Bank of America the day after the transaction suspecting fraud and asked them to stop payment on the charge. I was told the payment was in progress and there was nothing they could do until the transaction posted. 

After the transaction posted I contacted the Fraud Department and wished to file a claim. I was told by BOA they only consider a transaction fraud if someone else uses your credit card. BOA told me the only claim they could file is a billing dispute if I signed a contract. 

After investigating myself, it was an obvious scam with multiple threads on the internet involving XXXX XXXX, The Residency Collection, and Platinum Marketing. 

I sent a detailed letter with documentation disputing on the basis of fraudulent representation and failure to meet terms and conditions of the contract. The claim was denied. 

I contacted BOA again and had to walk them through the contract where the terms were not met, and this was a supervisor. BOA is holding fast that they can not collect from XXXX based on fraud, only a billing dispute, and the dispute has to be worded accordingly. The supervisor agreed to file another dispute focusing on failure to meet terms and conditions. The second dispute is in progress. 

This is absurd. I have fraud protection services with them. If they see suspicious activity, they will contact me and ask if I made the transaction. If I say no, they will stop payment. When I said I did sign a contract, but it was highly suspect of being fraud, they would not stop payment. 

XXXX and BOA should better protect their consumers/customers. BOA will get 12.99 % interest on the charge if they deny the claim. XXXX get a cut with every swipe of a credit card. I have all details I can forward or attach as PDF files. CREDIT CARD HAS BEEN CANCELLED TO PREVENT POSSIBILITY OF FURTHER FRAUD. Please contact me with any questions or guidance in this matter. 

Respectfully submitted, hopeful citizen. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is with Transunion. 
They have been informed several times that the negative items on my report from : XXXX And XXXX / XXXX XXXX / $ XXXX XXXX / XXXX XXXX / $ XXXX debts they bought from : XXXX XXXX that XXXX XXXX bought from : XXXX, Way back in XXXX & XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, California with many others!! 
There for there insisting in buying and selling these debts and destroying my credit, any year they choose " to continue doing, '' '' since '', is unethical, dishonest, slanderess, and actions of CROOKS!!! 
Why Transunion keeps allowing this/ " even when " this is NOT the FIRST TIME they ARE TOLD is beyond any thing honest!, or, Responsible for the PHONY INTEGRITY they pretend to up-hold. If they DID their JOB, this would n't be happening. 
The same thing goes for the public record : XXXX XXXX / XXXX XXXX 's from XXXX XXXX Aquisitions as well!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: NC State Employees Credit Union1 ) Allowed an unauthorized person, not on my personal checking account, to access and spend my solely-held checking account funds. 
And/Or2 ) Used my personal solely-held checking account as an unauthorized overdraft for an account held by another person. 

NC SECU refuses to remedy the damage done to my account, and insists that it is on me to reclaim my funds from the unauthorized party. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We sent back XXXX XXXX XXXX equipment on XXXX XXXX and XXXX XXXX XXXX received the equipment a day later on XXXX XXXX. Debt collector started calling me on XX/XX/XXXX a few times a day. Finally I answered the phone on XX/XX/XXXX. Told them that I do n't owe anything, I sent the equipment back to XXXX XXXX XXXX and they should contact XXXX XXXX XXXX. Told them to stop harassing me. Instead of contacting XXXX XXXX XXXX they kept harassing me by calling a few times a day. On XX/XX/XXXX I answered the phone and told them the same thing again. Then I got a letter from the debt collector to pay or dispute. Which I 'm disputing it. I called XXXX XXXX XXXX again just to make sure that I did n't owe anything, which I do n't. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter dated XXXX XXXX, 2015 indicating that Citibank reduced the credit limit on my Sears Credit Card from {$16000.00} to {$2000.00} because I have not used my card recently. The reduced credit limit was so low that if I had gone to a Sears to make any substantial purchase in between when the credit line was reduced and the time I got the letter the transaction would have either been denied, causing considerable embarrassment, or potentially gone over my limit and may have incurred an overlimit fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attempted to dispute inaccurate information on my Experian credit report. Experian refuses to investigate as per my right under the FCRA. The accounts I am requesting investigation on are no longer valid or have not been updated for over two years. Additionally, XXXX of the accounts I attempted to have investigated does not belong to me and belongs to a person I was married to. That account has also been litigated and the person I was married to has a judgment placed against them for that account. Experian states that they are not responsible to investigate these accounts because they were investigated in the past. These same accounts were investigated by XXXX XXXX and Equifax and were all removed from my credit file. Experian is refusing to do its job and that is a violation of the FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: On several accounts they were listed but were not correct from the original creditors who filed inaccurate and duplicate information. Sometimes up to XXXX different times. Penal codes were not followed by the credit reporting agencies as well as the federal laws. These items need to be taken off per CA law of a 3 yr statue. Penal code 1748.10 and Federal Law FCRA 62 ( a ) ( 5 ) ca ( iii ). Some of the items were not mine but the creditor insisted they were mine. Gave an address that was not mine as well. I have lived in the same house for 22 yrs. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report contains information from the XXXX. There are XXXX annotations on my credit report, XXXX indicating a reposession and another indicating a charge off. The last payment on either account was greater than 7 years ago. The account indicating reposession shows a last payment date greater than 7 years. The account indicating a charge off has a last payment date within 7 years ; however, no payment was made within 7 years. The accounts should have been removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am getting XXXX calls per day from " Credit Collections '' for my ex. I have informed them via their online form he has not been at my home number since 2010 but they continue to call, disrupting my business ( I XXXX ) and waking me early in the morning on weekends. They are calling from XXXX to my home number have at least one time left a voicemail asking if the person answering is the ex who moved out almost six years ago. I have no legal responsibility for his debt, regardless of what it is but ca n't get these people to stop calling my house. They have called XXXX times that I know of. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I hereby dispute the reply of SunTrust to my complaint by way of CFPB Case nUmber XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this in the past with this company to no avail because they do very little to investigate disputes. A medical office closed without sending me a bill and then put it into collections. I had no prior knowledge of the bill of only {$55.00}. As soon as I was contacted, I paid the bill in full. I am now trying to get a mortgage loan and being penalized due to this account. I do not have a single negative mark on my account other than this and I want it REMOVED. My mortgage company tells me it looks as though the negative collection has recently been put onto my credit report. Again this was a medical bill that is not even supposed to affect credit scores as of the new rules imposed.
Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2015, I had a lien placed on my saving account. I receive federal student loans and the Post XX/XX/XXXX G.I. Bill benefits. I was told that my account was under review. I called on XX/XX/2015 and I was told that they could not release the hold unless I had the company release the funds. I told the company that they could not do this. I told them that my account receives only electronic, exempt, Federal direct deposits of Veterans Affairs Benefits and student loans. Three or four times before, their lawyer actually dismissed some liens the same reason. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My XXXX account has been paid in full as well as XXXX 

Company response: Company chooses not to provide a public response