AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I want the XXXX accounts with XXXX XXXX to be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home mortgage service was transferred to SunTrust Mortgage , Inc. from XXXX XXXX XXXX. The automatic payments were canceled as a result. The same day I received the notice of transfer, I signed up with SunTrust Morgage , Inc. for automatic payments. SunTrust Mortgage , Inc. will not process the automatic payment request, which is making the payment late. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a charge on my Home Depot account for {$15.00} in XXXX. I changed my email address on XXXX XXXX to my new email address. Apparently it did n't go through as I never received any email statements for the {$15.00} and forgot about the charge. I noticed my credit score went down and found that Home Depot had me listed as unpaid for XXXX and XXXX 2015 w/ accrued late fess. I called them and they had my new email but could n't verify they sent my bill to the new email address. I spoke to an account rep. named XXXX who said they could n't do anything about sending the derogatory credit to the credit bureau which dinged me nearly XXXX points for a bill I never even received plus late fees. I never received a bill from them! 

Company response: Company chooses not to provide a public response
Consumer complaint: Northeast credit services is reporting a debt as a " paid collection '' even though The payment was made directly to the utility company, NH XXXX. They have been notified in writing XXXX via certified letter, and the tradeline has been disputed directly with the CRAs and it has been verified illegally as a " paid collection '' by Northeast Credit Services. Included is a copy of the check cashed by and written to NH XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bank of America put a charge off on my credit for a credit card I never used. They had the wrong address, the wrong phone number who knows who they were sending that information too. I never knew about the charges on the credit card or what was going on because they never had my information because the person using my account had it. They are taking very long to resolve the issue. I am not happy because the charge off is affecting my schooling, I ca n't get school loans. Bank of America invalid info they had in meXXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Recieved a call from a lady name XXXX earlier in the week and she stated I owe a debt with XXXX XXXX and gave me the price of the alleged debt owed. She stated legal actions will be taken against me is debt was not paid. She Call today about the debt but this time it was a different amount. I googled the company and read that people were scamed by this company ZFN & Associates. The number she used to called my cell is XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Upon receiving my credit report from all XXXX Agencies I found that TransUnion was the only XXXX to have my former foreclosed property from XXXX on my report. I put in an online dispute but after more than 30 days of not receiving a response I called. When I gave them the needed information to verify my reason for calling she stated that she could not see my dispute. She informed me that she could see that XXXX has me CURRENT : PAID or PAID AS AGREES. I informed her that I foreclosed on that home in XXXX and moved out XXXX XXXX. I sent in all needed verifications including the complete credit report with XXXX circled, proof of the sherif sale that the XXXX XXXX XXXX stapled to the home and all of the notices that several credit Agencies sent to me. I sent all of this certified mail, return receipt request XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX I receive a letter from TransUnion stating " Base on the information provided to TransUnion, our records show that the information you disputed does not currently appear on your TransUnion report. XXXX the post office tells me that the zip code for them online is wrong, and it is. XXXX I was told that they could not find my online dispute, that I know for a fact I did on XXXX XXXX, XXXX and now they are saying that XXXX {$68000.00} is not on my credit report when I am looking at it right now. It clearly states that the last payment made was XXXX/XXXX/XXXX but update XXXX/XXXX/XXXX. So on XXXX XXXX it was seen by their employee but now it 's gone, per TransUnion. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is against the credit bureau Transunion. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Transunion has failed to sign the receipt for certified mail, my letter has been returned to me by my local post office. I have sent them my request for Transunion to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Transunion seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Transunion is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Transunion is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. 

Company response: Company chooses not to provide a public response
Consumer complaint: Source RM Receivables repeatedly calls me for what they claim to be a {$300.00} from a XXXX Hospital in XXXX XXXX. I dispute this bill as not mine or owed as I was insured at the time. In addition, they continually refused to provide me with their company name/ contact information/ and repeatedly refused to provide me with a supervisor to speak to ; just put me on hold and had the same representative I spoke to 'pretend ' to be a supervisor, when I repeatedly stated I do not owe this debt they stated they would put my account as 'refuse to pay ' as opposed to actually verifying any information with me regarding it being a legitimate debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have both Federal and private loans ; fortunately, the income-based repayment for the federal loans requires a reasonable payment ( XXXX-time ever I am grateful for a XXXX ), but the private loan will not consider the fact that with its MASSIVE payment requirement, over half of my monthly salary goes towards student loans. It is crippling and because of the amount of loans in the XXXX place, they will not approve me for a consolidation or refinancing in order to lower the payment. They have absolutely no options for people who are being suffocated by student loans, and let 's face it, the education industry is n't exactly going to yield XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, this complaint is in response toXXXX and XXXX 's investigation and verification of an public record that appears only on XXXX XXXX 's XXXX and XXXX credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute in writing. Under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts '' If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXXoriginal creditor : XXXX XXXX XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by COB as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from COB who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Nations Recovery. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for RESURGENT on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact NATIONS RECOVERY speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had this cell phone number for a year and continue to recieve multiple calls from many different numbers for whom I presume was the previous owner of this phone. Most are recordings, but the few humans with whom I 've spoken always say they will take my name off the list, but no luck. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My accounts were closed and {$260000.00} was taken from me without due process or investigation and several banks are involved. I was promised its return plus interest accrued. 
I filed separate complaints on each bank involved without any results, no accountability and basically no communication mediator. After XXXX years and XXXX of legal fees, I was XXXX and taken advantage of in court. I received a check that was an insult and lost by default when I was incapacitated in the hospital. The money was intercepted fraudulently by XXXX XXXX and re-issued XXXX times even though XXXX XXXX was not involved after they had foreclosed I year after my home burnt down and in modification as well as rebuilding. They were paid {$240000.00} and no money was owed. 

Company response: Company chooses not to provide a public response
Consumer complaint: It all began on XXXX/XXXX/14 with a charge of {$2500.00} by XXXX XXXX in XXXX. I was promised by XXXX XXXX that they can consolidate my Timeshare at XXXX XXXX XXXX XXXX in XXXX Fl. On XX/XX/XXXX I made the final payment {$7500.00} to XXXX XXXX. XXXX XXXX also made a later charge of {$540.00} for a product that was falsely presented to me ; a total of {$10000.00} scam by XXXX XXXX. After all this I got a notice from XXXX XXXX XXXX XXXX, XXXX, Fl that my timeshare is in collection. I lost over {$15000.00} in vacation, penalties and interest for XX/XX/XXXX. 
After investigating I found out that XXXX XXXX in XXXX could not consolidate my Timeshare in Florida. The venture with XXXX XXXX was a scam to rob innocent vacationers and timeshare owners. 
I wrote Citibank concerning this matter several times, only to be shun by them ; they then abruptly closed my account on XXXX XXXX ; jeopardizing my other accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Your options do not include the problem in this issue. This XXXX procedure was in mid XX/XX/XXXX. It became past due no later than XX/XX/XXXX. It was submitted to Account Resolution Services in XX/XX/XXXX. 

Federal law requires that this item can not remain on my credit files after XXXX years from the first delinquency prior to Charge off. That means the date of obsolescence on this debt would have been XX/XX/XXXX. 

I disputed this with XXXX, XXXX and XXXX XXXX accordingly. This means they sent this to the Account Resolution Services and they returned the dispute leaving it on my files. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been a loyal member of the US Bank XXXX XXXX XXXX Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr. I would not be able to utilize the new benefit and am seeking compensation for this drastic change in the form of annual fee refund ( that I just paid ) as well as XXXX XXXX XXXX points credit that I would now need instead of using the bonus award night feature for XXXX of my trip planned this year. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted loan modification but they denied it. They said I have other option which is Short Sale with HAFA. I have submitted and qualified for HAFA. They sent me letter and asked me to list the house as the price they approved and told me they will postpone my sale date until they complete marketing period. My agent informed me that the sale date is on XXXX/XXXX/2015 and she tried to contact negotiator but no response. I could not understand that we do have paper show they will help to postpone the sale 

Company response: Company chooses not to provide a public response
Consumer complaint: I APPLIED FOR A MACY 'S CREDIT CARD AND PURCHASED XXXX ITEM WHEN I GOT MY APPROVAL IN THE AMOUNT OF {$53.00}. I WAS INFORMED THAT I WOULD RECEIVE MY CARD AND THE STATEMENT IN THE MAIL. I WAITED AND WAITED AND DID NOT RECEIVE ANYTHING. THEREFORE, I WENT INTO MACY 'S AND ASKED THEM TO PULL UP MY ACCOUNT. I TOLD THEM THAT I OWED THEM MONEY AND WANTED TO PAY OFF MY ACCOUNT. THE CUSTOMER SERVICE PERSON WAS NOT ABLE TO PULL MY ACCOUNT AND STATED THAT I DID NOT HAVE AN ACCOUNT WITH THEM. UPON LOOKING AT MY CREDIT REPORT, I REALIZED THAT MACY 'S HAD REPORTED ME TO THE COLLECTIONS AND IT WAS SHOWING ON MY CREDIT REPORT. I DID SOME RESEARCH FOUND A CUSTOMER SERVICE NUMBER TO CONTACT AND WHEN I DID, THEIR RESPONSE WAS THAT THEY MAILED OUT THE CARD AND THE STATEMENT AND CONFIRMED A CORRECT MAILING ADDRESS FOR ME, BUT FOR SOME REASON BOTH THE CARD AND THE STATEMENT WAS SENT BACK TO THEM AND THEY NEVER CONTACTED ME TO ADVISE ME OF THIS MATTER, EVEN THOUGH I HAD PROVIDED THEM WITH ALL CORRECT INFORMATION. THEY WANT ME NOW TO PAY THE BALANCE OFF AND THEN TRY TO DISPUTE THIS MATTER SO THAT THEY CAN CONSIDER REMOVING IT OFF OF MY CREDIT REPORT. I WOULD LIKE THIS MATTER INVESTIGATED SO THAT I CAN CLEAR UP THIS MESS AND HAVE IT REMOVED FROM MY CREDIT REPORT AT ONCE. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a loyal member of the US Bank XXXX XXXX Business Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr which I would not be able to utilize as it has excessive spend requirement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a home improvement card from Wells Fargo Financial National Bank for a home improvement. They offered a 48 month no interest loan. I made an initial payment to even out the amount I would have to pay then set up auto pay from my checking to pay half of the due amount every two weeks. In short, there is no possible way that I have missed or have been late with a payment. When I got my last statement, Wells Fargo has charged me a {$25.00} late fee. The fee was generated because they have cutoff dates when they apply money to the bill and because they applied part of the XXXX payment in XXXX, they have justified billing me a late fee. I called Wells Fargo and asked them to remove the late fee because there is no possible way that I was late with a payment. The agent said, " As a XXXX time courtesy, I can reverse the charge but you will be responsible for future late fees. '' They imposed the late fees through their own action and not because I was late. I have since had to re-structure my payment plan to pay the entire amount once per month so they can not continue to manipulate the pay date to unfairly charge bogus late fees. It is not a courtesy to give me back money that they had no right to take in the first place. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of fraud and I want to stop the money from going thru. 

Company response: Company chooses not to provide a public response
Consumer complaint: In Spring of XXXX, I was service with a summons from RAB Performances, who was collecting a debt on behalf of XXXX Credit Card. The Case Number is XXXX. I responded to the summons within 30 days as required, and denied ownership of the debt. In XXXX XXXX, I pulled my credit report and noticed a default judgment listed for RAB Performances for the amount of {$1700.00}. I disputed this judgment with the credit bureau, and it came back as verified. In XXXX XXXX, I contact XXXX XXXX court via certified mail and requested for the judgment to be dismissed/vacated. I was not notified by the court that a hearing had been set regarding this matter. I was later informed by the clerk of court that the hearing was set in XXXX of XXXX, and the hearing information was mailed to XXXX XXXX XXXX, XXXX XXXX ; I moved to XXXX in XXXX XXXX, which was two years prior to the notice being served. In response to my motion to dismiss, I was contacted by XXXX, XXXX, and XXXX, who stated that they are collecting the debt on behalf of their client, RAB Performances. On XXXX/XXXX/XXXX, my paycheck was garnished for {$350.00}, and my XXXX/XXXX/XXXX paycheck was garnished for over {$400.00}, which has caused a severe financial strain on my household. I contacted them and asked them to verify the original account listed with their office, and they provided the account number of *******************. I informed them that this account number does not match what is listed for this creditor on my credit report, and provided proof. I have yet to receive a response from XXXX, XXXX, and XXXX regarding this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am submitting this complaint for my Client XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Id. I am her XXXX XXXX XXXX with XXXX XXXX XXXX in XXXX Id. I have sent you a complaint previously about Wells Fargo and their handleing of the short sale. There is a Foreclosure Sale date set for XXXX XXXX, 2015. They have had an offer for some time and keep asking for more documents. I was just told by Wells Fargo Customer Service another appraisal or BPO was ordered. If the appraiser is very far out there wo n't be enough time to work the offer. Wells Fargo approved on offer for {$180000.00} and I have a full approval letter to close but the buyer 's lost their financing. Then Wells Fargo ordered a BPO and it came back at {$200000.00} just a few months later. The property In XXXX, Id did not increase in value {$29000.00} in just a few months since the seller has not done anything to the property. I believe Wells Fargo is stalling so they can foreclose on my client. I believe Wells Fargo has caused her undue harm and stess in this situation. If they can accept {$180000.00} once I do n't understand why they are not accepting the offer they have for {$180000.00}. Please check into this file. The processers who is assigned to the file is XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Please for the customers sake check into this matter. I believe Wells Fargo is not keeping the customers best interest in mind and they are not trying to help their customers. Thanks XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Macys credit card for several years. Every time I charged purchases it was paid in full on time. XXXX 2014 I lost my job. My mother paid my Macys bill in the store. She did not realize there was a {$35.00} late fee. Thinking the bill was paid I was surprised when I was told I owe over {$200.00}. They are charging {$35.00} every month on the {$35.00} late fee plus interest. My mom says that is illegal and that I should contact this agency. Both my mother ( with my consent ) and myself have spoken with them to no avail. It has go into a collection agency seeking {$220.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: PennCredit contacted me about a debt in XX/XX/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX/XX/XXXX ) from them about the same debt. 

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