AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am unable to " validate '' to get both my TRANSUNION and XXXX credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ) and loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that TransUnion and XXXX have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! 

I am a XXXX. I do NOT have a printer or fax machine and I do NOT drive much at all. I *do* have proof of my ID ( e.g. photo driver 's license ), current utility bills showing my address. 
I need to get my name/address info properly reflected on my credit reports AND I need a copy of my credit reports to dispute what I suspect is incorrect information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed for an apartment complex for my brother. There were issues with the apartment from the start. After the first week we received a {$750.00} light bill from the previous tenants. If was very hard to get in touch with corporate b/c the rental agents refused to give me their info. My brother had a home invasion a few weeks later, while he was in the shower. I was finally able to get in touch with corporate after some online research. I had a meeting with the property manager who agreed that he could break the lease and move out without any consequences b/c of the previous situations we had. The complex is now XXXX so i can not talk to anyone in regards to this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because XXXX Experian, XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have fone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because XXXX ExperianXXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks you 

Company response: Company chooses not to provide a public response
Consumer complaint: Citbank just took over for Brooks Brothers credit. When they switched to this new bank, payments made the same day did not post. Next, I began receiving 3-4 " robo '' calls a day ( and night ) from Citi asking for payment ( and it was n't even 30 days past payment date- even though I paid and they never posted the check ). The volume of calls was ridiculous and unwarranted. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has been reporting to the credit agencies that we have missedmortgage payments and are delinquent. The reporting of this information by Wells Fargo is an error and is false. As victims of XXXX XXXX, we were told by Wells Fargo that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. After several months of the forbearance, we started to make our usual monthly payment. Shortly thereafter, we received notification from Wells Fargo that the entire balance for the months of the forbearance were due in full. We continued to make our monthly mortgage payment, however, the payment was being applied to the first month of the forbearance, thereby, making it appear that we were continually missing payments. 

When we called, we were told by Wells Fargo that the information we received regarding the repayment of the forbearance was incorrect. Wells Fargo stated that this was the result of inaccurate and misinformation being administered by customer service. In an effort to administer aid to XXXX victims as quickly as possible, customer service was not fully knowledgeable of what procedures regarding forbearances were permitted and how repayment was to be handled. 

For the months we were given the forbearance by Wells Fargo the funds were used to repair the residence. This was necessary because FEMA did not provide any funding for over XXXX months. When we received the final payment from FEMA and paid off the contractors, the funds remaining were used to catch up with the payments missed as a result of the forbearance. By this time, our credit report indicated that we had missed eleven mortgage payments. We have made numerous phone calls and even have written a letter to the office of the CEO, to try to resolve this error to no avail. It can be verified that prior to the authorized forbearance by Wells Fargo, we never missed a payment nor were we ever over XXXX days late. 

Company response: Company chooses not to provide a public response
Consumer complaint: This sadly is the second time I am having to file a complaint to try to get insurance settlement money that is in escrow with this New American Funding sent to me. Our house burned down XX/XX/2014 and New American Funding has been managing the insurance settlement funds as I had a loan against the house that burned down. We had problems getting them to disperse these funds before and I was given a direct contact who was supposed to assist us with all future disbursements named XXXX but when I called to speak to him he was no longer with the company and I was told anyone could help me. I asked for a final inspection and it showed the house was complete. This inspection was completed on XX/XX/XXXX. I requested the final draw amount and sent the letter via fax and mail they required, which was a document stating the repairs were complete, signed by me. I spoke with XXXX XX/XX/XXXX and she reiterated all they needed was the signed statement that the repairs were completed the completed inspection and that they would then be able to disperse the final draw. I received a letter XX/XX/XXXX stating they also needed a copy of the final bill from my builder. This was a news to me and so frustrating. Why do they keep adding requirements and not telling me in advance? The final bill from the builder had not yet been generated as we had a few outstanding change orders for some small landscaping issues. Furthermore what difference does it make if I owe more or less than whats in escrow? If its less does that make me less entitled to the funds? If I owe more does that mean I ca n't have the funds to pay the builder a partial payment? I was so frustrated with New American Funding that we decided to refinance the house with another company and I knew we were closing on that loan on XX/XX/XXXX with it scheduled to be funded XX/XX/XXXX so I opted to not send any additional documents as once the house was refinanced New American Funding no longer has any financial interest in my house or insurance money and would have to release the insurance settlement money. The loan I had at XXXX XXXX XXXX was paid off by XXXX XXXX on XX/XX/XXXX. I called XX/XX/XXXX to confirm the funds were being sent and spoke to XXXX XXXX at the call center at around XXXX. He acknowledged that the loan was paid in full but that I had to send the final bill from my builder. I asked to speak to a supervisor was told they were not available after holding for about 20 mins, that it would be 48 hours before they could call back meaning Monday. XXXX then said they never even received a request for the final draw. I asked why they sent those forms and requests and he did n't seem to have an answer. He said he could resend the request but without the bill the file is not complete and the request would be denied. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This account was sent to collections and judged upon where it was paid in full. There is a balance of {$21.00} showing. It should be {$0.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Turing Point Solutions LLC has been calling daily, numerous times a day using Unknown and fake local phone numbers like, XXXX then leaving messages for a call back to XXXX. They have called my Mom, my Son and me on our cell phones repeatedly. 

XXXX XXXX, 2015 a TPS representative named XXXX called me and my mom XXXX times this morning. He called my mom 's cell XXXX times in row and then immediately called my cell phone XXXX times in a row. He is leaving messages to call referencing case XXXX, but the number of times this company is calling is abusive and today 's occurrence was clearly unacceptable. This is a form of harassment and bullying. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The company was through a school that is currently being investigated for misuse of funds, loans, education promises etc. The company was suppose to give me {$4000.00} for my student loan so that I can finish school and graduate, they did not. They also claimed that as long as I was in a college or school that all I would have to pay is {$20.00} a month, that did not happen. The more I kept tell the less they listened. After XXXX years I stop paying and request through the original school which was XXXX University online to tell me where my funds went I got no were. Also I was a victim of ID theft from XX/XX/XXXX-XX/XX/XXXX per the IRS so I am not sure being that they do not release their information on an open investigation. I was ripped off to a tune of over XXXX plus. Until today I do n't know if that organization or other are within that investigation, but I did file a police report and have that on file. I do n't like paying for something I never got, I do not work with in a financial institution so I do n't know what funds they kept or release because what was on paper was not what I received. I also had no problem paying the {$20.00} a month because even as we speak I am still XXXX. Been XXXX continuously since XX/XX/XXXX to present so I do n't know why they did not honor there agrement and raised my payment to {$70.00} a month when that was not the verbal or so call written agreement that no one can locate. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX XXXX, XXXX ; BY ITS SERVINGS AGENT ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, ANDXXXX XXXX XXXX KOHN LAW FIRM ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXXthese creditors are trying to collect a third party debt from me after I informed them that I do not pay third party debt collectors or their attorneys. I do n't know what the original debt was for or from, nor do I care.. Do not contact me, or any third parties regarding this or any other unsecured debt. 

Furthermore, I formally dispute the validity of this debt, due to the fact that several unsecured debts credit card, medical debts, and student loan debts, personal loans, cell phone bills, utility bills, bank overdraft charges, unsecured auto loans, payday loans and/or the like have engaged in the practice of selling and reselling the original debt for collection by agencies and law firms such as yours. This has the result of turning an single debt into multiple debts from various collection agencies all for the same debt plus costs, handling charges and/or the like assorted fees. 

I have informed them of this 2 times already. Now they want me to meet them in a Court commissioner office on XXXX XXXX, 2015. The attorney says that I am in contempt of court for not contacting her. I do not believe that America has a debtor prison or debtor prison collection system. Please have them leave me alone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: am unable to " validate '' to get both my XXXX and EXPERIAN credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ), student loans and auto loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that XXXX and Experian have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! I am a homeowner and have lived at my current address since XXXX 2012 ; I suspect Experian is somehow not using the right address information. 
I have XXXX auto loan ( with XXXX XXXX XXXX in XXXX, MI ) and my mortgage is with XXXX XXXX XXXX in XXXX. I do NOT have student loans or any other mortgages or auto loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an odd message appear on my screen after answering my security question required for my Transunion credit report. Here is the attatchment of what I received as a message. Which resulted in me being unable to see my credit report for Transunion. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America I requesting your assistanceAt anytime XX/XX/XXXX - XX/XX/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There was an alleged debt between XXXX XXXX and myself in 2012. It was dropped at that time because they actually owed me money. Curiously enough I sold my condo in XXXX and in XXXX the same false report reappeared now that I am trying to buy a new house and has dropped ; my credit score unjustly. I never received any new communication from ERC and when it appeared in XXXX I sent a letter to the XXXX of XXXX demanding removal for which I never recieved a response. In fact the initial bill from 2012 wasnt even under the right name it was for a person named XXXX. They couldnt even get a name right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: USAA FSB has restricted my account access online. They say it is due to a previous charge off with a USAA credit card - discharged in XXXX. I am told they are no longer attempting to collect on this debt but since it is a loss on the bank, it is " policy '' to not allow me to access my checking or insurance accounts. Insurance policies are not easily changed and are long term. When I ask for access, they give me a mobile website access for the day, then lock it once more. From my perspective ( and any reasonable person ) USAA continues to try and collect this debt to the level of harassment - and impedes my activity even with other divisions unrelated to the banking. Secondary, they place holds on every deposit for XXXX days, etc. all claiming to be " within policy ''. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed XXXX I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed {$110000.00} I currently owe more than I borrowed and have given lump-sum payments of {$10000.00} {$5600.00} and XXXX loan of XXXX. Although I had missed payments in the past I always pay the lump sum they asked to bring Current. My mortgage has been with fa my mortgage has been with Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home owe more than I borrowed. Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help. I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help They have improperly reported my credit. Plus jduring the course of the loan I was paying more than the original amount of XXXX per month. I can be reached at XXXX XXXX or XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Last Fall I discovered two " hard '' pulls on my Experian credit report, from a business by the name of XXXX XXXX XXXX. I never had any dealings with the company, and they never received my authorization to pull my credit. Because XXXX XXXX XXXX never responded to me directly, a Better Business dispute was filed in addition to complaints with both the XXXX and XXXX Attorney General 's Offices. 

Experian responded to the BBB dispute, and removed the two hard pulls in XXXX. For some reason these hard pulls were put back on my Experian credit report last month, and they should not have done so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've had the US Bank XXXX business card for several months. For several months ( despite me spending hours on the phone trying to fix it each month ) when I log into my online account my balance appears as XXXX and there is no way for me make a payment if I wanted to. Each month I log in and see no balance due, then a couple weeks later I receive a letter in the mail tha my account is delinquent. I call, I get a run around on why I ca n't see my account online, and no on has been able to fix it. I 'm transferred between customer service and web support between personal reps and business reps, etc. This is clearly a deceptive practice as they are showing me my account is on time and paid in full, but then they tell me it 's not. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report states that I lived at an incorrect address. It stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at this address or even lived in this state. I have made a police report and notified the federal trade commission as well as contacting the credit reporting bureau myself yet it is still reflecting on my report. I can provide documentation that proves I was living in XXXX at the time this address was added to my report as well as any account opened with this associated address 

Company response: Company chooses not to provide a public response
Consumer complaint: An on-line loan was taken out under my name and Social Security number through Cash Net USA. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I applied for an account on lending tree.com because I am thinking about refinancing my auto loan but I wanted to look into various options before committing to any hard credit inquiries. I signed up on leaning tree because it explicitly says in the sign up process that it would only be a soft credit inquiry against my credit. Within a week, I had XXXX hard credit inquiries hit my credit score and lower it from a XXXX to a XXXX. I have been working very hard to build my credit and it is not easy especially when I have so many inquiries within a short period of time. All I wanted to do was look into a couple of different options without any hard inquiries. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I BEEN WITH WELLS FARGO BANK FOR XXXX YEARS I NOTICE MONEY BEEN MISSING IN MY ACCOUNT SAYING ITS OVERDRAFT FEES ETC THEY DONT CALL OR ONCE IN A WHILE SEND ME BANK STATEMENTS WARNING ME IF I DID THEY STILL TAKEN MONEY OUT MY I CALL AND BANKERS PUT ME ON HOLD WITH NO ANSWERS I FEEL THEY STEALING FROM ME I CANT TAKEOUT WHAT I DONT HAVE THEY OR SOMEBODY MAKEN A MISTAKE TAKEN MY HARD EARN MONEY I NEED ANSWER I SEE THEY GO LOT COMPLAINTS I DONT THINK ITS XXXXRIGHT TO STEAL IF U DO FROM THEM U GO TO JAIL BUT IS IT LEGAL TO STILL FROM HARD WORKING PEOPLE WITH FEES THEY DONT KNOW NOTHING ABOUT I CALL BUT GET NO ACTIONS 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving letters from First National Collection Bureau for a debt that has been paid and does not show up on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Was employed in XXXX from XX/XX/XXXX until XX/XX/XXXX. While I was employed in the XXXX of XXXX, my identity was used to open accounts. 
I have tried to clear up any confusion. I have written to the debt collector certified mail and the credit reporting agencies. 
On XXXX, it indicated removed but then it re-appeared. It is contradictory postings. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This loan collateral collection agency, has made multiple calls to my phone per hour, and has egregiously called members of my family, who bear no rights or responsibility to my private financial matters. 

Company response: Company chooses not to provide a public response
Consumer complaint: We signed a contract for a home and submitted the contract to Pentagon Federal Credit Union XXXX Penfed XXXX. We were assigned a loan officer, XXXX XXXX, and assigned a closing date of XXXX XXXX. She requested MANY documents for the underwriter, which we returned within only a couple of days. She never confirmed that she received the documents. She did, however, note that she had ordered the appraisal on XXXX XXXX, 2015. The appraisal occurred, but there was an issue with the names on the document. She was given contact information for all parties involved XXXX appraiser, realtor, homeowner 's insurance agent, etc ). She had multiple weeks to get all of her work together. Because I had not heard from her and it was the week of our closing date, I called on Monday, XXXX XXXX. I received no answer, and no response to my voicemail. I called again on Tuesday and received no answer, and no response to my voicemail. On Thursday evening, she calls to say that she is missing signatures on a contract and needs it immediately. We sent it to her within an hour, even though our realtor claims it was sent to her before ( and I believe this because she has continuously lost documents that I have submitted ). Tonight, XXXX nights before closing, she tells me that now that she has the contract, she will have to get an appraisal done, and that I should contact the seller and request a new closing date. I do not want a new closing date, and everyone has done their part to make sure closing happened on time except for her. And if she had answered the phone earlier in the week, or returned a phone call, perhaps we would n't be in this situation. 

Company response: Company chooses not to provide a public response