AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I just received my credit card statement with a {$380.00} Interest charge on my statement. My statement balance previous statement was {$530.00}. My statement has been as high as {$1000.00} approximately and have been paying down since I got it that high. They told me that I made a purchase 2 years ago that I agreed for no interest however been paying interest all along and not sure my payments actually paid down the zero percent side as it should. They then told me they would waive the interest charge if I paid the entire credit card balance off, extorsion! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving calls from XXXX for a few weeks. They have never left a message. All I have is the caller ID number which I used to search the internet. I found a XXXX listing with the information about the company. It appears to be some type of debt company named Paramount Recovery Systems. I do not have any outstanding debt. I tried to call the number to tell them they have the wrong number, but it rings busy. They continually call, but give me no way to redirect their calls. They have called, but left no messages on : XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, and XXXX/XXXX/2016 @ XXXX XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My complaint is about www.annualcreditreport.com. XXXX worked fine ; Trans Union said they were having technical difficulties and I had to request the report by snail mail. XXXX also said I had to request the report by snail mail. XXXX particularly asked identify questions that were such ancient history or so trivial I could not get them 'right '. For example, we had a loan with Bank X that was then bought out by Bank Z, but I could not remember when the buyout was so I got the answer 'wrong '. This is hardly the way to get accurate information to prevent oneself against identity theft! 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've received 4 collection calls from this number, XXXX, of which each time a automated message is left on my answer machine. The caller ID says " XXXX Service ''. The four dates I received these calls are ... XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. 
I also know that calling times can not be earlier than XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted XXXX XXXX XXXX for reporting late payments for an account during a period which they were not the loan servicer and for reporting late payments on discharged debt. XXXX issued a letter dated XXXX XXXX, XXXX which stated they have deleted all information regarding the loan. 

On XXXX XXXX, XXXX I obtained information from Experian, XXXX and XXXX that states my FICO score is negatively impacted by " your mortgage or non-mortgage installment loans ''. My wife, XXXX XXXX XXXX, and I have no installment debt and any mortgage debt was discharged. 

Additionally, Experian says my revolving debt has " heavy use ''. I have a {$3500.00} credit card that is paid to XXXX or low balance every month as I use it for business and am reimbursed by my employer every month. 

This type of information is negatively impacting XXXX XXXX score and my wife 's. The fact is I have a zero balance on on credit card and the other card ( XXXX ) is paid off monthly. The lower FICO score is impacting the mortgage loan quotes we are receiving for the purchase of a residence. 

XXXX states it has removed the XXXX information yet the attached was obtained on XXXX XXXX, XXXX from my XXXX account. 

My wife and I have nominal consumer credit ; our bank savings and checking balances are over XXXX our outstanding balances and we have a combined household income of over {$170000.00}. We had a Chapter XXXX - discharged in XXXX - and have paid all accounts as agreed. There is no reason our credit scores should be below XXXX by any credit reporting agency. The fact is the incorrect reporting by XXXX regarding mortgage payments remains a significant negative influence on our credit scores. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To whom it may concern, My wife and I owned a condo that was foreclosed on. The deed was taken over in XXXX of XXXX. The property/deed sold to a new party on XXXX XXXX, XXXX. At that point we should have no ties to the property/asset. Experian reports property was foreclosed XXXX XXXX. 
The latest information on our credit report shows that the credit union that we had the mortgage under has been reporting a " failed to pay '' from XXXX XXXX up to the present date. Our understanding through loan officers is that the said credit union should have discontinued any reporting after the foreclosure date occurred. 
Our correspondence from the credit unions Senior Recovery Specialist was as follows : Based on this investigation, ( Credit Union ) response is that the information you have disputed is both true and correct according to all available documentation. As such, no corrections will be submitted to the credit reporting agencies and any electronic disputes would be resolved as 'Correct as reported. '' Can this issue be resolved through the credit union or does it have to be resolved through each credit reporting agency? 
I 'm not sure if this affects the credit reporting. However, I did find out that our condo was recorded in the XXXX XXXX Department of Assessments with an OLD address. I was able to have them change their records to match up the parcel number with the newer updated address. The parcel number now matches the address listed at the credit union. 
We appreciate your assistance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I use Experian and XXXX credit monitoring services and they have that my " Credit History is too short '' and that is hurting my score. My oldest account is 28 years old, my average account term, according to them, is ten years. I have numerous mortgages on properties that I have held for 15+ years, numerous credit cards that I have had for over 10 years, which I pay more than the minimum payment and all on time. I am not sure what they consider " aged accounts '', but by most standards my credit accounts are not " too short ''. I called Experian and they could not figure out why FICO considers my credit history to be " too short ''. They told me that FICO sends them that information. Instead of contacting FICO, I wanted to file a complaint as I am sure others are receiving the same status, if you will, of too short a credit history. I have excellent credit, but by FICO standards, I am just " good ''. There scoring models need to be reviewed so that it is fair for all and not something that seems to be arbitrary. 
Thank you and I look forward to your response. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm receiving multiple calls from an Debt collector claiming to be from Cooper, Hoffman, and Kline - XXXX XXXX. They have called me several times at my job with numerous threats to prosecute me due to fraud. When I called them back to verify their company name, address, etc. they were extremely rude and short. They are calling my cell phone, employer, and family members. Although I 've included this extension, they are calling me from multiple extension and different phone numbers 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am sending you the facts of my Consumer Financial Protection Agency complaint against your company, in the hopes that you may use the information to conduct your business in a less predatory / more honest way. 
In 2015 your insurance was added to my account without my knowledge or authorization, resulting in monthly charges of XXXX, totally {$350.00} at present. 
My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible '', but still charged us {$85.00} for the visit. 
My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested, it took 3 weeks to get a response 3 ) When response was made, a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding " inaccessibility '' of pipes, etc. As if the representative was aware that the issue was not covered, they listed the problem as a water line problem when it was clearly stated twice to be a sewer issue. 
I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX, VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance, which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices, attention should be paid 1 ) how customers are signed up ( a signature or voice recording would be advisable ) ; 2 ) how exclusions are disclosed upon sign-up and upon service requests. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Opted out of overdraft coverage to keep from incurring unneccessary bank fee 's. Was told overdraft coverage would be cancelled within 2 days. The account was still allowed to over-draft a week later. US Bank is telling me that I can not opt-out of overdraft coverage on that account. I am now {$210.00} in the red, before extra incurred fee 's. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continued robot calls. Will not give me address of collector or admit it is collections agency. Hangs up on me when I ask for address. Calls several times per day for the past month. Requests information of me without providing any identification of their company. Have received no written correspondence from this company. 
Name of company is RPM : Receivables Performance Management. The number showing up on my phone is XXXX, a Virginia number. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They keep calling on house phone and it starts around XXXX ; XXXX XXXX AND keeps calling and leaves no message. I think it is a robo telephone call and they will keep calling all day. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I moved out of XXXX XXXX XXXX XXXX, MO XXXX 2015 because I lost my job and was forced to move in with friends. During the same month I was told that I could buy out my lease, but only had 20 days to do so for about XXXX. I could n't come up with that amount of money that fast. By XXXX 2015 I started receiving collection notices via mail and phone by a bill collector named Hunter Warfield in Florida. They are trying to collect over {$8000.00} for moving out of the apartment before the end of the lease. I told the bill collector that I had agreed to buy out the lease with the apartment complex manager via emails and he did n't care. He told me to call the apartment complex and discuss that with them in which I did via emails. The apartment manager told me there was nothing that she could do since it was at the bill collectors office. Also, I asked her to let me have my apartment back and I would catch up the late rent but she said no. I had only been out of the apartment for a month and a half. Taking to the bill collector again I told him that I could prove the agreement for buying out the lease for {$2600.00} but he refused, said the emails could be altered. He said they want over {$8000.00}. and nothing less. I asked for an itemized bill in which I received XXXX letters. XXXX letter with no itemization on it just the {$8000.00}. amount. The second letter said all collection processes were going to stop until the debt could be verified. Now, this past week the bill collector started calling again demanding {$8000.00}. When I told him the amount was wrong, not within the laws of the state of Missouri, asked him not to call my cell phone anymore, he hung up on me. Today, my mother said Hunter Warfields office called my moms home phone asking for me which I found embarrassing because I had to explain why a bill collector was calling them. There number is listed in the white pages so I guess they are going around calling all my relatives. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In XXXX of XXXX my son found a house he wanted to purchase so we began the process of getting qualified since I was to be a co-signer I also had to qualify..the process took until XXXX of XXXX and we closed the loan on the XXXX of XXXX at the title company where we gave the money down and signed docs..On the XXXX of XXXX Nations Direct Mortgage came back and said oh the pest control report which included a schedule XXXX needed to be fixed prior to loan being funded..Why after they had the pest control report in their possession for 2 months did they come back 9 days after loan close to state this needed to be done..in addition they informed XXXX XXXX mortgage that if the pest control company could take the schedule XXXX off the report or change it to a XXXX then they could fund the loan..I have this email..The items that needed to be completed would cost the seller XXXX dollars plus which she of course refused to pay and she also had signed docs. So our money sits at the title company and we have to go through the process again which affects our credit since our credit will have to be checked again by a new lender plus the time and trouble we will have to go through getting the required information that a new lender might want. In addition we were never notified by the lender Nations Direct and or XXXX XXXX mortgage that we would be responsible for paying rate lock fees but we were indeed billed for approximately XXXX locks which amounted to over XXXX dollars..this is ridiculous..another issue was that XXXX mortgage shared income tax information with XXXX real estate agents of which I have the emails. I have already made this complaint to FHA and I was directed here..This was a horrible expierence for both my son and myself but especially for him as he is 1st time home owner..I hope the preverbial buck stops here..and that something can be done about this travesty 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm trying to refinance my XXXX mortgage.Citimortgage owns the second loan. I have done everything they have asked and each time what they need changes, they keep delaying matters as I get charged .for interest. The wo n't work with my future mortgage company.I have given verbal and written permission.every phone call isca run around now they are trying to say I requested for hardship assistance. This has been going on over a month 

Company response: Company chooses not to provide a public response
Consumer complaint: I was billed for services never received and charged for a high end toothbrush I never received and the dental office fabricat d statements for dates I never visited the office. The account was placed in collections and they claim the balance is due. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I mailed dispute letters to Experian for several items on my credit on the following dates. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and yet they, Experian continues to mail me the same response, verified, Reinvestigation information, This item remained unchanged from our processing of your dispute in XXXX XXXX??? Are you kidding me? This is a huge violation or many violations according to FCRA laws written to protect me! 

If you want copy 's of each letter, I can upload those also. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I took out a loan with XXXX XXXX in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, Cooper Hoffman Klein and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or Cooper Hoffman and Klein Associates has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted XXXX XXXX and found out {$310.00} was all I owed and that they XXXX sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX Cooper Hoffman and Klein and Associates saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed XXXX XXXX {$310.00}. I would like to pay my debt of {$310.00} to XXXX XXXX directly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have found this on my credit report. I do not know what it is for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX and XXXX Called me, my husband and mother-in-law stating they had a summons and had questions about a property address. They also said ( XXXX times ) that this was their final call. They made it sound like some sort of emergency, I was given a case number. They call themselves the XXXX XXXX, and are asking for a social security number. 

Company response: Company chooses not to provide a public response
Consumer complaint: Home Depot Credit Services, as managed by Citibank, deliberately does n't contact customers appropriately when charging them exorbitant finance charges. 

Home Depot / Citibank charged me a late fee because my payments were one day late, despite being a loyal customer who has paid off significant purchases on time. This had a cumulative effect over a few months ; even though I thought my full balance had been paid off, I was hit with almost {$1200.00} in finance fees because late fees extended the payment beyond the promotional balance period. 

As a result, Citi is claiming that I owe them {$1300.00}, which is composed entirely of their finance charge and late fees. My full balance was paid off on time, albeit a single day late. This is clear from the uploaded statements. 

What 's even more interesting about this is : ( 1 ) Home Depot / Citibank have my email address, which they use to send statements, but they never sent me an email indicating that I was being charged late fees. 

( 2 ) Home Depot / Citibank does n't offer an alerting feature, as do most other major banks, so I that I can be notified if I 'm charged a fee or interest. 

( 3 ) Home Depot / Citibank does n't indicate in the statement emails that they send every month that I 've been charged a late fee, as you can see from the copy uploaded. 

( 4 ) Home Depot / Citibank claims to have " tried multiple times to reach me, '' but when I asked why I never received a voice mail, their chat agent informed that they " do n't leave messages '' ( as you can see from the chat transcript that I uploaded ). 

( 5 ) Home Depot / Citibank clearly has my mailing address, but the first notice that I received in the mail was a letter on XXXX XXXX, 2016 ( dated XXXX XXXX ) saying that my account was in past due status. This was the first notice I had of this issue. 

I contacted them to try to reach a reasonable settlement, but they refused to offer any recognition of either the unreasonableness of the finance amount, or of their poor customer communication which is clearly meant to help them to collect finance charges and late fees. 

Given how poorly Home Depot / Citibank handles communications around this and their lack of a reasonable approach to resolving this, I believe that this is action that the CFPB should be aware of and investigate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received collection notices from this company regarding a medical debt and I believe the they are trying to collect a debt that I do not owe. 
I have contacted the original creditor and they do not have an account that is tied to either my name or my social security number. Also, on the validation document that I received from the creditor, the name is not spelled the same as mine, the address is to a place I 've never lived, and I have never been treated at the hospital in question or on the date of services listed on the account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015 I received a call from a blocked phone number that said I needed to call XXXX regarding legal papers they needed to serve. I called that number, they did not identify themselves, did not state was for a debt collection and gave vague information regarding a debt I owed. When I asked further they gave me a non existent account number and customer service phone number for XXXX XXXX. I called XXXX XXXX and they had nothing on file for that account. I called back to the XXXX number to get further info and was told I could pay {$400.00} of the total of {$600.00} to make it all go away. I said no and I needed proof of the debt in writing. They said they would mail it out, never did. I sent a certified demand letter which came back to me today as undeliverable. The company is XXXX XXXX XXXX XXXX who is also now on my credit report, that is the address I used to mail the demand letter. I have not heard anything further from them to date. I do not have an outstanding bill and will not pay anything on an account that does not exist. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX old tax liens that were paid/satisfied/released. 
XXXX from XX/XX/XXXX for {$800.00} and XXXX from XX/XX/XXXX for {$930.00}. These showed up on my credit reports XXXX. I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed XXXX them immediately. 
Transunion removed the XXXX from XX/XX/XXXX, but not the XXXX from XX/XX/XXXX. 
XXXX did not remove XXXX. 
I would like XXXX and XXXX to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide. 

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