AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian sent me my credit report on a wrongful dispute that I mention to them they have on my credit report. XXXX XXXX should n't be on my credit report at all that account is over 7 years old. The account was paid off in a settlement and written off by the original creditor. They have no records of the account in their office anymore so Experian could n't have gotten any information. Next Experian failed to provide the proper information on the original creditor they had no phone number for them so how did they verify anything on this account. If Experian truthfully verified this account they should have gotten all the proper contact information and placed it n my credit report. This account was wrongfully disputed and it should have been sent in to Experian as ( outdated ) information pass 7yrs old. Look at the dates on the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America issued a new debit card without consulting me and without my consent while I am abroad. This has effectively rendered me unable to obtain cash in local currency while abroad. In my opinion, such action is criminal as it puts customers at potentially significant risk. If Bank of America suspected my card had been compromised, they should and could have consulted with me first before issuing a new card. There are absolutely no fraudulent transactions on my account. Instead, their haste has put me in quite a bind. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Around 18 months ago, I took out a " direct deposit '' from my Bank of America credit card that carried a XXXX % deposit fee and 0 % APR for 18 months. The promotional period ended XXXX/XXXX/2016. I made minimum payments for 18 months and after receiving my XXXX/XXXX/2016 bill, I scheduled a payment in full for XXXX/XXXX/2016, which was within the payment period of due date XXXX/XXXX/2016. Prior to XXXX/XXXX/2016, I contacted Bank of America to inquire when my promotional interest rate was ending. I was not told by the XXXX that I would have to pay my balance in full by XXXX/XXXX/2016 to avoid any interest charges. On XXXX/XXXX/2016, I received my Bank of America statement reflecting a {$100.00} interest charge. When I called Bank of America to contest the fee, I was told that I should have known that I needed to pay in full by XXXX/XXXX/2016 because that is the date the promotional APR ends. I believe that this is a deceptive tactic, because at no point did Bank of America make it clear that I would have to make a full payment on or before XXXX/XXXX/2016 to avoid interest charges. Whenever I use a credit card, I avoid interest as long as I pay the balance in full before the due date. It made sense for no interest to accrue between by statement date of XXXX/XXXX/2016 and my next statement of XXXX/XXXX/2016 as long as I paid the balance in full. This deceptive practice has resulted in a steep interest charge that is unfair and predatory. I do not think I should have to pay this charge. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian has refused to investigate the inaccurate negative mortgage account from XXXX XXXX XXXX opened on XX/XX/2006. This account was charged off to the IRS and is still showing a fraudulent negative balance for the full loan amount. This account is also 7 years old and should be removed from my credit report. Experian has refused to acknowledge these facts and refuses to investigate that this account is 7 years old and will not remove this fraudulent account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I resubmitted my application on XXXX XXXX, 2015 to have my loan reviewed for a modification. I have been trying to reach my assigned representative XXXX XXXX and have not been able to reach her. I received a letter on XXXX XXXX, stating my request was closed due to missing document. Until then, I had not been advised that there were documents needed to complete my request. I would of sent them in had I just been informed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been paying on a loan for a used mobile home at XXXX XXXX starting XXXX/XXXX/XXXX. Green Tree has done everything to me from hundreds of Phone calls, telling my neighbors, making me pay the XXXX dollars a month for over the phone payments.Tricking me into multiple payments. There are many, many more.The landlord of the park will not help with any problems that the parks bad water ( raw sewage in the water lines.There are many more problems. The biggest problem is his lawyer keeps on wanting {$2000.00} now and then or they will evict me.I was terminated from my job of 35 years of service for being 10 minutes late. My banking is at XXXX XXXX in XXXX mn, ( XXXX XXXX office ). Nobody will help me. I ca n't afford a lawyer and nobody calls me back. I have a pension and XXXX 401k's.I have a girlfriend that 's been with me for over 20 years. Her son was murdered XX/XX/XXXX nobody calls that much to help us. She is mentally handicapped and I am trying my best but there is so much damage that we both are overwhelmed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Sears MasterCard and have had it for many years now. Late last year they emailed me a promotion to earn 10x my normal Choice Reward points by clicking the sign-up button, which I did. Each month immediately after the billing cycle ended I would get 10 times my normal points based on how much I had charged during that cycle. These points were available for gift cards, etc and worked fine up until the last month. This promotion went until XXXX XXXX. When my billing cycle ended on XXXX XXXX, I only saw the regular points posted and not the 10x the points. I called Sears and they told me they saw the issue and needed to investigate further and would call me within 7 days. I heard nothing so I called back in after the 7 days were up. I was told they were still investigating. Well it 's been several weeks and still no sign of the missing points and no communication from Sears. 

Company response: Company chooses not to provide a public response
Consumer complaint: Year end summary provided by citi shows balance of {$2800.00} on citi thank you card ending in XXXX. Please investigate as your balance shows an excess of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a modification XX/XX/XXXX. I was approved XX/XX/XXXX (? ) and was sent a modification XX/XX/XXXX after successfully making my trial payments. However, the modification had the wrong address, it listed the wrong state. I called to notify them and was told not to return it as it could n't be accepted and to continue to make my trial payments each month which I have done. I have called to ask why I still do not have a new modification agreement and told to continue to make the trial payment amount and wait. I have had someone come to my home and leave a note on my door to call Flagstar as well as take pics of my home for the last 4 months. I am talking at minimum once a month to Flagstar and complying with what they are requesting. How is the harassment fair? Last week I received a notice that I was turned down for failure to return my modification and they were resuming foreclosure. I contacted Flagstar in which they stated the same thing. After a tearful XXXX minute conversation, they stated I was correct they sent the wrong modification agreement and advised me not to return it. I should not be concerned and a new agreement would be sent in the next 5-7 days. Last Saturday I received a notice from an attorney about an eviction. Now again today someone has showed up at my door with an urgent notice and taking pictures of my home. 

Why has it taken 11 months to complete this, why is n't someone staying on top of my file, and why am I being harassed unnecessarily? 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a gym membership that I cancelled within the time limits and they are reporting that I owe them money and are reporting me negatively. This is from 2006 and it was closed. They are reporting on Transunion. 

Company response: Company chooses not to provide a public response
Consumer complaint: my social security its wrong 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a direct dispute with Transunion. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XXXX XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XXXX XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on the XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Transunion has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XXXX XXXX. I 'm not going to keep going back and forth with Transunion, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I withdrew my request for a loan with Mason McDuffie to work with the Builder 's preferred lender, as this was in my best interest. Mason McDuffie asked me to remain with them and offered a full loan approval in 48 hours. After I declined, Mason McDuffie entered my loan into the FHA system as a denial. This created a significant impediment to my loan being transferred and approved by the Builder 's preferred lender. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a loan with XXXX, I entered a forbearance agreement with XXXX and they sold the loan to penny mac. 3 days later, once the loan was transferred to penny mac they told me my only option was foreclosure or short sale. I explained to them i had a forbearance agreement but they said they had no record of it and would n't honor it. I have done a cfpb complaint on both companies and have proven there was a agreement and that penny mac committed fraud and unfair lending practices and I did a deed in leau because i was promised the late payments would be removed and i 'd owe nothing. when i did the deed in leau i cited the reason for hardship was that XXXX did n't honor the forbearance agreement. Had XXXX honored my agreement with XXXX I would n't of had late payments and would still own my house. I 've asked all XXXX credit reporting agencies to remove any information from XXXX but they refuse to do so. and i want a neutral party to investigate my situation fully. thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served. 

Company response: Company chooses not to provide a public response
Consumer complaint: I answered the phone call and when I explained that the car is actually my sisters and she 'd be the XXXX to contact for payments. The collector yelled at me in an extremely aggressive manner that he 'd be calling me again and hung up before I could finish explainin I 'd call her to see what was going on. I feel extremely attacked for aggressive tone of the phone call. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a power of attorney in which my power of attorney sent the legal document as well as the cease and desist. They were working on a settlement agreement in which was going to be a 12 month payment plan however they stated that I had to set up an auto pay in which i do not have the capability of doing. So then XXXX XXXX got involved and now refuses to speak with my power of attorney stating the document which was notarized was not valid. Refuses to even tell me why and has tried to call me knowing there is a cease and desist on file. Then even when i called she now refuses to agree to the settlement that i could afford. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to close my Sears credit account. I called the number on the card and spoke to " XXXX '' - no last name or ID number. She refused to cancel the account because I could not provide the phone number we had years ago when we opened the account - and I do n't remember what it was. I was able to provide all other verifying information, and offered other verification as well. She insisted that she could not close the account. I asked to be transferred to a supervisor. She told me that no supervisor would be willing to talk to me. I insisted, she put me on hold for over XXXX minutes. When she came back she transferred me to " XXXX '', ID " XXXX '', who said she was a supervisor. XXXX asked the exact same questions, and then refused to close the account because I could not provide the phone number originally used in opening the account. Again, I offered other verification but it was refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have REPEATEDLY complained that Bank of America has not sent me a mortgage statement in, now, 3 years. They constantly confirm the coorect mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and insist that they are mailing the statements there, but I continue to not receive them. I have no idea what the monthly payment is or if it has changed. They also continue to post late fees for what was THEIR error in XXXX taking my mortgage payment and applying it to a credit card instead of the mortgage then threatening me with destroying my credit and foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has reinserted information that was previously deleted in XXXX of this year. 
XXXX negative accouts which are : XXXX # XXXX Type EmploymentBalance $ XXXX XXXX $ XXXX Opened XXXX Status ClosedMo. Payment $ XXXX StatusHigh Balance $ XXXX $ XXXX 360 MonthsXXXX BANKAccount # XXXX Type Banks and XXXX & XXXX were removed due to identity theft it is against the law for Transunion to repost these items after deletion. They must delete these items immediately that were wrongly reinserted. 
They also took off accounts of which were reporting positively on my account. I do n't understand how or why this has taken place. I have attached documents of student loans that were taken off my account history without my authority and attached previous reports that shows the deletions of Transunion of items that were wrongfully reinserted I will prosecute them to the fullest extent of the law. I was denied a job position because of this. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex-wife made me an authorized user on her credit card accounts without my knowledge. Once our divorce was finalized, she agreed to the conditions that the judge approved. She was directed to remove me from her accounts and to not put me down as a authorized user again and to not apply for anymore credit cards in my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a leased vehicle. When I turned it back to XXXX I was billed {$600.00}. I am XXXX yrs old, get food stamps and can not make ends meet. The lease had been paid by a relative who can no longer help. It was financed through Ally. I have been sending a {$10.00} check faithfully every month. However Multiple phone calls continue to come although I have contacted them both by phone and mail. Although I have blocked the calls they continue to leave messages which use up my meager allotment of minutes on my cell, my only phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Law Office of Maury Cobb has sent an automated phone message to my parents ' phone # every day for months. The call-back # they provide is for a dating service and they do not respond to emails so there is no way to end this harassment. I have no outstanding debts, as my credit report will show. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a interest only XXXX mortgage with Bank of America. The terms were for 10 years and then it became an amortized loan. My husband and I have been impacted by the recession and have been working very hard to pay off our debts. The interest only payment averages {$250.00} per month. The new fully amortized loan will now be {$750.00} per month. The additional {$500.00} per month will be a hardship to pay so I applied for a modification with B of A to extend the loan so we could be in a better situation to pay off our debts and refinance the XXXX and XXXX into XXXX loan. B of A rules are designed to make sure no one qualifies for a modification! I do not know how they stay in business! B of A has hateful practices and run-around tactics! I read the consumer reports and they all say the same thing. B of A just wants them to fail so they can foreclose. 
It looks like the only way that I will qualify for any type of assistance with them, is if I miss payment. They said that I did not qualify for the Extension program the first time that I applied because it was an interest- only payments, then it went into the amortized loan, now they say it is because I did not meet the delinquency requirements ( but do not say what those are ). As for the End Of Draw modification program, the first denial was because my debt was either more or less than the amount required for the program, now they say it is because I am in the repayment period! If I miss payments to qualify for a modification, I am at risk of foreclosure and I still may not get a modification! Attached are both letters of rejection. I have not been late with any payments for over 5 years. I am trying to get my credit re-established so I can refinance. I have XXXX more debt to pay off before I am in a position to apply. I can not be late with any payments in order to get my credit where it needs to be. B of A took no time at all to reject my requests. It is as if they do n't even look at the paperwork. 

Company response: Company chooses not to provide a public response
Consumer complaint: i disputed this file on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX the file was deleted XXXX was the original creditor.. On XXXX XXXX i requested a copy of my credit report i noticed a company call XXXX after doing some research this is the same account that was deleted on XXXX/XXXX/XXXX i have supporting documents to my claim also that i never open an account with XXXX on XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have sent Experian numerous requests to investigate, verify and remove accounts from my credit report and they are not responding. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2015, I viewed my checking account activity at XXXX, and a check I had written for {$80.00} had not been presented. I had a direct deposit scheduled for XXXX, XX/XX/2015. I checked my account summary again the next day, and noticed a {$35.00} fee assessed to my account for overdraft. My concerns are : 1. Exorbitant bank fees for the smallest infractions. 
2. There was money in my savings account to cover the {$8.00} that generated the fee. 
3. I was told by bank officials that they have previously returned fees to me and will not do it again. They fail to understand that I am the one that works overnight for the money, and it does not belong to them. I am supporting XXXX XXXX grandchildren and the money that they so casually deduct is needed for gas, kids lunch, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan Servicing ( intimidation to refinance with mortgage institution ). 
Last week, I called Bank of America in an attempt to understand my options, due to my Home Equity Line of Credit, turning into a balloon payment in XXXX 2016. At the time, I informed the customer service representative about competition in the market place and I requested their best rate, as my bank ( not BoA ), has mailed me a formidable offer for my home equity line of credit. The agent treated me with disrespect, therefore I asked for a supervisor. The supervisor continued this treated. In addition, the supervisor informed me the value of my home has decreased. I responded that I have obtained a recent Appraisal from a Virginia Licensed Appraiser and his information is inaccurate. Also, I only asked about my options with regard to the balloon payment, never did I request a change of my loan or to apply for a new loan. 
Seven days later I received a letter from Bank of America which suspends my Home Equity line of credit, due to the decreased value. Also in this letter, is evidence that BoA checked my credit and made a consumer decision denying my loan ( I never authorized them to check my credit, nor did I apply for a loan ). It is important to note, we have never missed a payment. Also, on a recorded message while on hold, BoA records customer calls. I welcome your monitoring these conversations. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a credit card I had not applied for and a bill for purchases on that card that I did not make. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response