AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I purchased a XXXX years ago. I paid on time. Towards the end there was an amount due and XXXX gave me permission to make the last amount in payments. They messed up and marked me as late to the credit bureaus. In 2009 I received a letter stating they had contacted the credit bureaus and marked me as not being late ( see attached ). Every credit bureau except TransUnion changed their records. In the meantime I have dealt with the deaths of XXXX parents as well as XXXX. I am coming into some money and low and behold TransUnion still has not changed my score. This will affect my ability to buy a house. Please see the attached letter with a barcode from XXXX which proves beyond a reasonable doubt they did the right thing. Also please note all other credit agencies do not show a late. Only TransUnion. I want this removed from my credit score with TransUnion. This letter from XXXX is from 2009. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: An Affidavit of Truth Final Opportunity To Cure was sent to representative ( s ) and/or Agent ( s ) of SLS Loan Servicing on XXXX XXXX, 2015 pursuant to the federal FDCPA and Title 15 section 1241 of the Real Estate Protection Act. SLS was required to respond to questions pursuant to the FDCPA in thirty ( 30 ) days. SLS has dishonored. SLS has also failed to timely respond to issues pursuant to " RESPA ''. SLS in addition to XXXX XXXX XXXX, XXXX lack standing in this matter and claims that a debt is owed to them are frivolous. SLS in addition to XXXX XXXX XXXX have had more than enough time to Cure their Fault. SLS continues to hinder my life & liberty with inaccurate reporting on my Consumer Credit Report. SLS claim is on its face and I have supported all facts with material evidence. This is my final attempt to obtain private remedy before moving my complaint to a court of competent jurisdiction. 

Company response: Company chooses not to provide a public response
Consumer complaint: mutiple duplicate items contained on my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX my mom and grandma handles my bills and calls. My grandma tryed to make payments do to we cant pay my bill in full and he said no he needs to pay the XXXX then later told her XXXX then XXXX and now also told her i will be arrested and it will be a XXXX dollar fine and will need a bail bond then to get me out of jail. Then refused to talk to her now and said after he told her i have till XX/XX/XXXX to pay it turned around and said i have to push this threw that i will not speek to her anymore and i have XXXX hrs to respond. He has called multiple times even when im at work and has even called at XXXX before. I find the treats offensive with the jail time the refused to take payments when we tryed to work with him and even the backout of the date he told her on profesional and this is also illegel. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My account status for XXXX XXXX is labeled as transferred when in fact it has been Paid through a collection agency but has never been updated as so. This is affecting my credit because it appears as though there is still a balance owed AND it is being reported on my credit report XXXX with the exact same account numbers. The second page of my attachment has the letter stating this account has been PAID. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today, XXXX/XXXX/2015, After trying to contact Bank of America to inquire about 3 consecutive overdraft fees of {$35.00} each that occur on XXXX/XXXX/2015, I could not get this issue resolved. I waited for over an hour to speak to a representative, he seem to not understand XXXX XXXX XXXX that 3 consecutive overdraft fees were assessed while I still had funds available in my account even after 3 payments/transactions that posted onto my account. He kept referencing the overdraft fees to a payment that happened when I still had funds available, but was not making any sense. I, then demanded to speak to one of the supervisors, XXXX XXXX XXXX, and was impolitely addressed to, while I believe her current position was not that of a supervisor due to her rude demeanor. I have been banking with Bank of America for a long time to know that when an overdraft fee is assessed, it is always when a transaction has posted to the account and your balance goes in the negative, not while transactions are in process or pending. I am very unsatisfied with the customer service and I believe this practice is very corrupt. It is very clear where the 3 transactions posted to my account and I was assessed overdraft fees of {$35.00} for each one, while still having funds available and my account not going into the negative/overdraft. In reality, the only transaction which would have caused me to go overdraft would have been the transaction that is " processing '' in the amount of {$190.00} which has not even posted to my account. I have included a screen shot to support my explanation. I demand to have this issue resolved and the overdraft fees refunded for this unfair practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a balance transfer from an old credit card to a new XXXX from Wells Fargo. Allegedly there was an error in XXXX digit of the old credit card from which I was transfering, and the balance transfered was not from the intended account. I made a claim and it 's been XXXX days since the claim was initiated, and Wells Fargo still has not done anything and they will not provide any info besides that nothing has been resolved. No one has called me despite my many requests for info. Now I still have the old balance, plus wells Fargo applied to my new credit the transfer balance, so I have XXXX the debt. I just want them to do a reversal of the transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!! 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts reported on my credit reports from GLA Collection, one from XXXX and the other XXXX. XXXX showing " Open '' but with {$0.00} balances. The one from XXXX has been PAID but still showing " open '' The second, I do not recognize the account number nor do I owe them anything associated with this account number. I do not know why the one from XXXX is even on my credit report and showing " open '' with a {$0.00} balance. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This company contacted my cell phone at XXXX EST. DId n't leave a message and when I called it back thinking it was a number from someone I was expecting they say that they are closed and provided the website to make a payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint with the Attorney General 's Office in New Jersey and the FCC because I currently go to XXXX and there is no way I am in collections with them. I spoke with the XXXX Manager in XXXX, NJ about this and said that it was an error. His name is XXXX XXXX, phone number ( XXXX ) XXXX. You can contact him and he will let you know that this should not be in collections or on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans Union is debitting {$17.00} from my account monthly and I can not stop it. I have called several times, account confirmed cancelled, and they keep taking the money. They refuse to provide documentation of this monthly debit being authorized. I demanded documents, they refuse. The Escalation Department resists service to me. Even my Bank is not responding to my disputes of the debit. There is no evidence of this obligation. 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank charged higher interest rate than the loan contract for two and half years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I need help ; we were given a XXXX neg. mort. Loan, XXXX XXXX XXXX bought the loan and sold to a trustee of Bank XXXX. We have been trying to get a modification since XXXX, in XXXX we retained lawyers and Bank XXXX still refused to modify us. On advice of lawyers we stopped our payments and consolidated our debt. Recently Shellpoint Servicing took over for Bank XXXX XXXX. We agreed to short sale our home, because Shellpoint would n't modify us either. We have a legal agreement with Shellpoint that we could short sale our home as long as we had an offer in my XXXX XXXX, XXXX. We had our property on the market for two months and gave Shellpoint the highest offer on XXXX XXXX, XXXX. Shellpoint just got back to us today XXXX demanding {$200000.00} more for the home. If Shellpoint does n't agree to this short sale, we will be foreclosed on and not be able to buy another home for up to 5 yrs. 
Is there anything you can do to assist us in pushing Shellpoint into doing the short sale? Short selling our home is better than foreclosing and we have been trying for 7 years to save our home. They did n't want to help us, so now they do n't want to short sale us and honor their agreement. We are with Shellpoint Mortgage Servicing, account number XXXX. The property address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: All this accounts have been settled or paid and they are reported as delinquent accounts, please help me to fix this problem, i had send several messages to the credit report companies with no good results. 

Agency Open TransUnion BalanceXXXX XXXX XXXX $ XXXXDiscuss Your Account WithXXXX XXXX XXXX Call XXXX XXXX ) XXXX or Visit Agency SiteXXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$13000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX XXXX XXXX {$9000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$8200.00} account reported on XXXX XXXX, XX/XX/XXXX OpenAccount # XXXX $ XXXXBalance 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account reported on my credit report by XXXX XXXX that I do not recognize. I have never received any statements from them for this account and it says it was " charged off or collection ''. Also, I have never received any letters from collection agencies for XXXX XXXX with this account number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my home on XXXX XXXX of 2015. Prior to doing the refi my mortgage was with Roundpoint Mortgage, XXXX XXXX XXXX XXXX NC XXXX. Orginally I had financed the PMI into the loan with Roundpoint as per the UGI the PMI was refundable along with the escrow. On approximately XXXX XXXX, I received a refund for the escrow but not PMI. I then contacted the representative from XXXX who confirmed that the PMI was refundable. After being told this I contacted Roundpoint on XXXX XXXX and was instructed on how to proceed with getting the PMI refunded. On that date I emailed them the UGI and stated my concerns, I was informed that I would be contacted by a representative from the company, I also received an email stating that they had received my email and attachments. After approximately two weeks I contacted Roundpoint and was told that the email went missing in their servicing department and that someone would be contacting me. This never happened. On XXXX XXXX I once again contacted Roundpoint because a representative had not called or emailed me. I was told that I had to email them the UGI and explanation on why the PMI was to be refunded. As I did thisI was told that reprensative would be contacting me within XXXX hours. Upon doing this I received an email stating that that the company had received my request and I would be contacted. After XXXX hours, I was once again not contacted. On XXXX XXXX, I once again contacted Roundpoint and was informed that they were looking into the matter and once again I would be contacted by a representative within XXXX hours which did not happen. Because of this on XXXX XXXX, I once again contacted Roundpoint via phone and was informed that the PMI was to be refunded within 30 days. I was informed of this approximately 2 months after I had completed the refinance. Today on XXXX XXXX, I received a certified letter stating that the mortgage insurance was cancelled on XXXX XXXX. This approximately two months after they received paperwork from my new servicer and one month after I had orginally emailed Roundpoint. In this letter I was informed that I would be receiving a refund once they are able to locate the check. At this time I do not know when the check will be sent since this company seems totally incompetent. I feel that I have been as though I have been receiving the runaround from this company for the past three months and nothing can be done about it. I will be informing the representative from XXXX to not use this company again. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I borrowed {$2500.00} from Western Sky ( XXXX ) and I paid the principal of the loan and I called to check the balance and was informed that the remaining balance was more than the original loan. Now I am receiving calls stating that I defrauded a banking institution and a judgment is being filed against me. These people have been unreasonable. In a desperate situation I contacted a Pay Day Loan Solution and paid the fee to them and I was informed that this company was not licensed in the state of Tennessee. Today, I called and they stated that I owe {$2300.00}. 
I need help in this situation, this has ruined my credit and I see that this company has been banned in several states and after the principal balance has been paid they are not able to recoup any other funds. Can you please assist in this matter. 

ThanksXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been working with our mortgage lender, Select Portfolio Servicing Inc. XXXX SPS XXXX, to get a loan modification since XXXX of 2014, unfortunately we have been denied twice. Since I was laid off of work in XXXX of last year, we applied to Keep your Home California ( KYHC ), only to find out that we did not qualify because they stated that SPS told them that we were approved for their Unemployment Assistant Program. I called SPS and they assure us that we where approved for the unemployment program, and to wait for " the letter '', this was back in XXXX of this year. Since then I have called every week and spoken to multiple representatives who have contradicted themselves over this issue. We lost assistance from KYHC because SPS claimed we were approved, then we were told that we were not approved that it was still pending, one of the supervisors said that in the computer notes it showed that we were told that we were approved without confirmation by the loan resolution department, when I asked to talk to that department, they said that they do not talk to clients directly. Last time I called a supervisor told me that he would escalate our case and we should have a definite answer by this Friday, that someone from the resolution department would contact us. I am soooo upset because we lost 2 months of assistance from either of the programs. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. 
Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. 
I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Per attachment # XXXX, Wells Fargo bank offered me a balance transfer of {$11000.00} with 0 % APR for 15 months and a transfer fee of 4 % ( = {$460.00} ). However, nowhere on attachment # XXXX, which is the offer document, does it inform me that the first payment would include the {$460.00}. Actual first payment is {$580.00}, which is a budget breaker. Of the several credit cards that I have accepted a balance transfer offer from, Wells Fargo is the only XXXX, who includes the balance transfer fee in with the first payment, which again is {$580.00} ( = {$460.00} + {$120.00} ). Attachment # XXXX is my monthly statement showing the {$580.00}. The inclusion of the {$460.00} means that is {$460.00} not available to pay on my higher rate accounts. Thus, the {$460.00} is considered a loss, if paid on XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally Bank had an account for my XX/XX/XXXX XXXX XXXX. The lease was paid off in late XX/XX/XXXX but the dealership never sent Ally Auto Financing a check due to a termination of an employee or something like that. I was on the phone with an executive account manager from Ally from Florida for a week. Finally the dealership sent her the check and the account was alleged to be paid in full. When I log on to my old Ally account in fact there is nothing there -- -. But. A recent check with XXXX XXXX shows that I still have an account with Ally for $ XXXX. XXXX? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being charged {$920.00} in insurance fees for a mortgage force placed insurance policy from XXXX. This amount was just charged to me XXXX XXXX after I received ( XXXX ) XXXX claims settlement checks in XXXX XXXX. XXXX check was for {$980.00} and the other for {$950.00}. These were due to overpayment on forceplaced insurance policies. Incidentally I obtained my own home owners insurance in XXXX XXXX. I had a loss of coverage in XXXX due to my having to fike a claim on my state farm home owners insurance from the XXXX XXXX XXXX XXXX that hit Alabama. My insurance company dropped me when my policy term was up. Over the years my forceplaced insurance has always been paid in conjunction with my house note. It would be an additional {$120.00} on top of my {$630.00} mortgage. When I came out of bankruptcy in XXXX XXXX {$13000.00} was paid to Greentree to bring all balances current. I feel I am being charged this huge amount to pay at XXXX time due to the insurance settlement. It has been added to my mortgage payment sue for the month. I am disputing this amount due. 

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