AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Approached by Loan Depot for personal loan ; after reviewing the terms of the loan, I the consumer declined/rejected the loan. I received an Adverse Action Notice from the loan company making it sound like they denied me credit. Mentally this is shocking, since I refused to take out a loan with them, it sounds like an attempt to ruin my credit score. This can not be right. 
Please advise 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Late charges imposed unfairly by lender : Late charges of {$29.00} were imposed by US Bank on my car loan in XX/XX/XXXX and XX/XX/XXXX. I mailed the payments to the bank at no different times those two months than in the preceding five months since the loan was initiated, yet in the previous five months the payments were recorded as received no later than the XXXX of each month, but in XX/XX/XXXX and XX/XX/XXXX, they were recorded as being received on XX/XX/XXXX and XX/XX/XXXX. 

When I called the bank 's customer service number, the representative I spoke to said there is " processing time '' involved between when the bank receives payments in the mail and when they get posted to customers ' accounts - usually a few days. I protested that it was unfair to impose late charges on customers if the bank does n't record them as received on the date they actually are. The representative said she was n't authorized to reverse the late charges but would forward my complaint to a supervisor who would be, and that the supervisor would get back to me. However, no one did get back to me and no action was taken to credit my account for the late charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: This item was unlawfully placed on my account. I have requested that this be removed as this is no fault of my own. This was a covered procedure. I had the same exact treatment on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. The procedure was paid on the XXXX XXXX and XXXX XXXX, however the XXXX XXXX was not. Upon my investigation, I discovered that XXXX had provided and submitted the incorrect procedure code. I called several times to get that changed. I was told to call XXXX. When I called XXXX, they referred me back to the doctors office at XXXX. I even had a XXXX way call with XXXX and XXXX and XXXX refused to comply. They stated I signed a waiver where I understood I would be responsible for payment if XXXX did not pay. XXXX blames XXXX and even even wrote a letter to XXXX requesting payment. XXXX denied because all they were requesting was for XXXX to resubmit the correct code. XXXX even stated the dates of treatment did not match. 
I requested an appeal with XXXX on XXXX/XXXX/XXXX and another appeal on XXXX/XXXX/XXXX. I even requested the assistance of the State Of California Department of Insurance on XXXX XXXX, XXXX. I kept getting referred back and forth and have records and dates who I spoke to until XXXX stated they no longer can discuss my issue with me as they forwarded it to collections. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NO RESPONSE FROM CREDIT BUREAU PAST 30 DAY TIME LIMIT it is now 3 months. 

I sent Experian a letter that was received by them on XXXX ( delivery Confirmation attached ) in which I was disputing several items that did not belong to me due to them having someone else 's social security # listed as mine. The issue that is raised here is that I disputed a ( JUDGEMENT Item # XXXX in attached dispute letter ) since it does not belong to me. I never received a response from Experian pertaining to this Judgement, just everything else ( See EXPERIAN dispute RESULTS ) By law they had 30 days to complete the investigation, nothing was done or a response sent pertaining to the item in question. It is now considered NON COMPLIANCE XXXX XXXX Code XXXX of the FCRA. 

By law Experian should have taken one of these procedures but due to Willful NON COMPLIANCE they did not use either procedure ; -Should have re-investigated this Item within 30 days since new proof was submitted showing someone else 's Social security # as being listed on my report. No later than 5 days after the re-investigation was complete they should have contacted me. No response on judgement only other items. FCRA 611 ( 15 U.S.C. 1681I ) Subsection ( a ) ( 1 ) - Experian determines that consumer dispute is Frivolous or irrelevant they must contact consumer within 5 days from time of determination of dispute being frivolous or irrelevant. No response was received for this either. EXAMPLE OF THIS OCCURING PRIOR INVESTIGATION WITHOUT NEW PROOF WOULD RESULT IN DISPUTE BECOMING FRIVOLOUS OR IRRELEVANT & lt ; NOT IN THIS CASE. 
FCRA 611 ( 15 U.S.C. 1681I ) subsection ( a ) ( 3 ) 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2016 at XXXX there was a call place to Heavner, Beyers & Mihlar, LLC in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I filed a dispute with Experian for incorrect information in my Credit Report, Report Number : XXXX, they said it was still open. Please refer to CFPB case number : XXXX. Today they closed the dispute without correcting/removing the incorrect information and still saying the account is mine. Everything remained the same. They have failed to provide proof of ownership for this account. 

I have contacted XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. This account does n't belong to me, and I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Both, XXXX and XXXX have concluded their investigation and removed the account from my credit report. They have verified the account is not mine and Fair Credit Reporting Act, states you are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this, I am liable for the account??!?! How is it possible, XXXX credit reporting agencies have investigated and concluded the account in question is not mine, and updated the information accordingly, you still say the opposite? 

Experian needs to correct / remove the following information from my credit report :1. Address : XXXX XXXX XXXX ( This Address is not mine ) 2. Fraud Alert : An Alert was placed on my file without me requesting it. Please Remove it ASAP. 
3. Credit Account ( XXXX ) : Experian need to provide proof I opened the account in question, the purchases that were made and signed documents. I have already filed a complaint with XXXX on XXXX/XXXX/2015 against Experian. Complaint ID : XXXX. 

If you still insist in keeping the account there, and not correcting / remove the incorrect data, I will escalate this to the FTC, my state attorney general, and will sue Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was on the phone with Bank of America customer service for over an hour today trying to change the name they had for me on the computer to the name they should have had that was listed on the loan application they accepted. I did business with BofA 10+ years ago and funny thing is they had updated my email and phone number to my current one listed on the loan app but they did not fix my name or address. The loan dept told me they would transfer me to the online dept and they should fix it easily since all of my loan paperwork was correct. I got transferred and told the lady what my issue was and she asked my name to which I replied my current name and she said I 'm sorry that is not what is on the acct I said I know that is why I am calling and she said well I need you to verify the correct name so again I gave her my correct name and she said that was n't right and transferred me back to the loan dept. The loan dept then tried to get it changed themselves, it did n't work, she transferred me back to the online dept who this time told me I would have to go into my local branch to verify my identity. I told them there was no local branch and they transferred me somewhere else this time and after explaining my situation all over again the lady said we can do it through mail but I do n't have the papers I will have to transfer you back to the loan dept. Again I held but this time it was for 30 minutes and I just gave up because I am at work after all .... 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My loan was purchased on XXXX XXXX, 2016 by Loancare, a XXXX, XXXX XXXX, XXXX XXXX, XXXX Loancare has not made payments from escrow collected to my local real estate taxes. My escrow balance is currently {$4700.00}. My taxes are in delenquency for {$1200.00}, which includes interest charged by the municipality. Due to inadequate staffing of their phone system resulting in an inability to contact. There is over an hour wait, and still no one answers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Loancare loan # XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was recently assigned a phone number on a new line of service. 
This line is receiving more then 6 calls per 24 hour period, including calls outside of reasonable hours. All calls are from the same incoming telephone number. 
I have called the collector back and advised that this is a newly assigned telephone number, and I am not the person they are attempting to reach. 
The company refused to identify what company they are, and has continued to call after my request that they discontinue and are reaching the wrong person. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CitiMortgage continues to access my checking account UNAUTHORIZED. 
My Mortgage is current and they have tried to collect 2 months of forward payments 3 times in the last 7 days. Each time, the account is put into overdraft and fees are charged by my bank. 
I have called CitiMortgage twice in the last XXXX hrs and asked them to remove all access to my checking account, they said it was completed and they continue to access my account without any approval or acceptance by me. 
CitiMortgage is out of control and can not manage an account that is current. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX is being reported on my ExperianXXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XX/XX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made the first mortgage payment XXXX XXXX for my first payment due in XXXX. I made the payment online with no issues. I then tried to make my XXXX 2016 payment the first week of XXXX online but XXXX XXXX XXXX, XXXX site would not let me. I tried several more times with no success. I then noticed that it was showing a " XXXX '' balance on the principal. I called the automated line for mortgage help and it stated it was payed in full, which I knew was not correct. On XXXX XXXX I called and spoke directly with XXXX XXXX XXXX personel. They advised me that my mortgage had been sold and they did not know to who but gave me a phone number. I called the number and learned that it was bought by XXXX. The person I talked to could not provide a date it was transferred and also said they could not find my XXXX payment. Later that day I was able to locate my loan through their website. I have never received any written, voice, or electronic notification that this had taken place or instructions on how to make my future payments. Also, now I find out that I will be charged to make payments electronically/online/phone. Now I will only be able to send a check to make a payment which I find very inconvient this day and time. My previous payment now shows on XXXX XXXX. I still have no notification of the transfer of the mortgage which I understand is required by law 15 days prior to the transfer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: According to the letter states We 're sorry to tell you that we will be closing your Barclaycard XXXX XXXX Card account for the reason outlined below. All cards issued on your account will expire on the last day of this month and new cards will not be issued. 

Balanceon this account is too high. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are still $ XXXX under water on our mortgage. I could not re-finance my VHDA loan. I asked numerous times for a solution. So we began the short sale process. We have a contract and PMI wants $ XXXX XXXX in {$150.00} a month payments for 100 months ). They finally offered a re-finance deal after I moved out ( {$300.00} a month lower for three years ). They are threatening to come after me for $ XXXX if I foreclose. I have {$8000.00} in savings and had maybe $ XXXX last time at this year. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX I received an email notifying me of a deposit of {$6600.00} someone made to my personal checking account. Since i did n't expect any deposit i called and notified my bank USAA. As i refreshed my mobile USAA app to see where the deposit came from my account started showing charges and withdraws at a XXXX in Georgia totaling about {$3700.00} or so from what the bank told me. I told my bank i did n't recognize the deposit or charges. So while i was on the phone with the fraud department with USAA the representative told me someone was trying to make purchases in Georgia as we were on the phone so the representative blocked my card/account. I was told they tried a few times to use the card but since it was blocked they gave up. The representative told me that they were going to do an investigation which could take up to 48 hours. He also said since it was Sunday i had to call back on Monday the XXXX and notify the Checking department about the deposit, that i did n't recognize it so they could look into it. I asked the rep if this would affect my other accounts and was told NO. I have other joint checking, savings and Youth accounts with USAA. So on Tuesday the XXXX i tried to use my accounts at the grocery store and all my cards were denied. I called the bank and i was told that ALL my accounts have been locked and i would n't have any access to any funds while the fraud was investigated which would take up to 48 hours I got upset cause no one ever notified me that they would be locking my accounts and leaving me with absolutly NO money. I told them i have a XXXX and XXXX year old and i need some money. I requested that i be allowed to withdraw $ XXXX {$300.00} of MY money from XXXX of my accounts that had funds just to hold over my family while they conducted their investigation and i was denied. I was told i had to wait 48 hours. It is now almost 2 weeks and my accounts are still locked. I have called everyday to check the status and i 'm told it will take 48 hours. Even the USAA reps i have spoken to have said it shows that the investigation has been completed days ago and they do n't see any reason why my accounts are still locked. Yet they are unable to unlock the accounts and i must continue to wait another 48 hours. Since i have n't been able to access MY money i have n't been able to pay any of my bills and have now received late charges, i have n't even been able to pay my rent. My landlord is charging me a late fee for every week its late. I now owe almost 2 weeks worth of late charges. I have told the bank of my issue and they keep telling me to wait 48 hours. I have had to borrow money from family and friends to get my family thru these last 2 weeks. It 's been almost 2 weeks and no one can give me an explanation why my accounts are still locked. I 've been a member of USAA for about 4 years and they have NEVER and any problems with me or my accounts. That 's why i still do n't understand why i 'm being treated like this. PLEASE PLEASE HELP ME AND MY FAMILY ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened an auto loan in XXXX XXXX with Summit Financial. They just set up a website for the company about 4 months ago. I logged on to pay my account last month. The billed stated that my payment was {$430.00} + {$110.00} miscellaneous fee= {$540.00}. I paid that amount. This month I check my online account only to see that This month 's payment included another {$110.00} miscellaneous fee. I called Summit to find out what this miscellaneous fee is and she explained that the {$110.00} was not being charged each month. It was for XXXX NSF fees that were applied to my account in XXXX. They are continuously charging interest on this {$110.00} even though I made a payment which was more than enough to cover it. Instead of applying my overpayment to eht {$110.00}, they have the funds " set aside '' for me until I have enough extra month to make a full payment. They said that I have to " request '' the money be applied to the miscellaneous fee. Also, this company just recently started sending out statements within the last 9 months. Before then, I had no way of knowing what is charged and what is due. I believe this company is unfairly collecting interest by keeping consumers in the dark in regards to this " miscellaneous '' fee collection and interest accrual. I have requested a copy of my entire transaction history, but I am sure that this " extra '' money they have sitting aside for me has been there for a while. And instead of applying it to my principal balance, they have been unfairly gaining interest on it while charging me additional interest at the same time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This credit report agency has the wrong if not precise report from creditor which is not true causing conflict with merchants regarding Lawyers, accounting experts and etc contacting me via mail and with certification of tax lien imposed on me through IRS which is not so. I contact the number given of the county clerk in XXXX County and they indicated that there were no Legal Tax Lien on my account. I then contact the credit agency without making a report regarding this matter in which they replied that this case is active. This is fraudulent according to the State Law and it has to be dealt with accordingly. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I received a call from us bank they had stated that some authorized transactions were proceeded on my debit card. They asked me to verify myself by giving them my birth date, last XXXX of my social security number, address, full name. So I did and they said they would stop the transactions and send me a new card. Then later that day i received a call from us bank number and they were saying that there were more transactions and they needed my mothers maiden name by then i was thinking how do you need that when they supposedly already turned my card off from last conversation. so i told them no and hung up. I then dialed the bank number back and wanted to talk to someone and so when they picked up and i verified my info i had explained to them everything and they looked and said no one had called me from us bank today. So i then processed to tell them i needed to report fraud my wife and i pulled up online banking and they had charged {$500.00} 3 times to XXXX, {$520.00} 2 times, and 1 time {$560.00} which totaled {$3100.00}. I reported it to my bank and they were shutting my card down and going to send out fraud papers. So later that night we got on the onlline bank again to make sure nothing else happened and they had transferred XXXX to my checking account out of my savings account. I then callled us bank back and told them and they said ya someone called and we thought it sounded fishy so they put a freeze on my account. 4 days later I still did n't receive fraud papers so i called the bank back and they said oh we will get those out today. So we finally recieve them and they had the wrong date of fraud they have XX/XX/2015 and it was XX/XX/2015. so we filled it out and faxed it back right away. days went by and we called and they said our money will be deposited by the XX/XX/2015 at midnight. So we looked XX/XX/XXXX and there wasnt anything deposited. they said our claim was denied and would have a claims adj call us within XXXX to 5 days. So she did and she said it was denied because I gave them my pin number which i didnt. She then replied well our people do n't lie and said there nothing we can do. I asked if i could appeal it and she said no. so i went into a local branch and she called the fraud dept because she did n't understand and the fraud dept rep we talked to there said he would have a supervisor look at our case because he did n't understand it and they would call us within XXXX hrs so we called back after not receiving a call and they said its because of the tapes and they still did n't give our case to a supervisor. so they said they would and get back to us within 48hrs. Its now XXXX/XXXX/15 and it happened on XXXX/XXXX/15. we have gone through the holidays with our account frozen and no debit card. plus our money that is gone. 

Company response: Company chooses not to provide a public response