AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We were approved for modification XX/XX/XXXX. We received packet in mail telling us we were on a repayment plan. The modification took forever to get done. We had to start process over once because the time frame ran out they said. We were able to make to payments of the repayment plan. My wife 's bonus was n't guaranteed and my overtime was n't either which was they used. I called to tell them we could n't handle double the payments. They offered us another packet for a modification. We were declined. Since then we have asked for multiple packets to be sent to us and none have arrived. We call and ask again. None delivered. Foreclosure process was dismissed in XX/XX/XXXX. We received a letter from their attorney last Friday. I called office closed for Holiday. I called back monday, they could n't answer any of my questions and were no help. The process took so long to get the modification that the payment was to much. US Bank would n't accept any payments in the process so it made the payment to high. I have called to try and work it out with no success. I have n't received any notices in the mail about be behind on payments or needing to contact them. I only received the letter last friday from the law firm threating Foreclosure. I put a new roof on last year and a new AC unit during the summer. If I new the payment was going to be that High I would have kept the cash in my savings to make the payments easier. Instead I make improvents to the house and now they wo n't work with me. This whole process has taken a hit on my credit. I ca n't get funding from anybody else so I 'm at the mercy of US Bank. I 'm a family of XXXX and really do n't want to loose my house. We would have to send kids to different schools. My work took 17 % of my pay which made it difficult and my wife was n't working much. Now things have changed, my wife has a good job and we are able to pay. My house is the last thing I need to get straightened out and it seems like US Bank wo n't work with me. I have asked if they could combine my 80 % and 20 % mortgages and shorten the months with the same % rate which would be a lot less then the repayment plan they had. I 'm filing this complaint because I do n't know what else to do. I met with another mortage company and told them about the process I have been going through and they gave me this website. They could n't believe what was going on. 

Company response: Company chooses not to provide a public response
Consumer complaint: Y'all do n't have my address some one gave a fake address for me which is not mines mine is XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please contact me and correct this issue thanks in advance for your time. .... 

Company response: Company chooses not to provide a public response
Consumer complaint: I want this false debt to be removed or proved that it is mine. 

This is my rebuttal to the response from ALL XXXX credit Bureaus as well as XXXX XXXX. The information XXXX XXXX provided me as proof that Accountis my account, is the exact same information that all XXXX of the Credit Bureaus provided. 

I need LEGIT proof that the account is my account. Not just my " personal information '', that I, myself, provided to XXXX XXXX and to all XXXX credit agencies. 
What XXXX XXXX did, was send me back a general response in which they hope I will drop this and not continue to fight for proof. I have every right to request legitimate documents to prove this account is mine, as payment records with my signature and bank payments and so on. I am challenging XXXX and ALL XXXX Credit Bureaus verification methods. 

I have the right to see what proof, if any, that XXXX XXXX has to show that this account is mine. Any XXXX person can provide an new or old phone number, my address and so on. Half of that information is found on line for free. especially since I offered all of this information on my XXXX letter. 

I am requesting that ALL XXXX credit agencies provide me with something more accurate and legitimate to prove XXXX XXXX is my account. For example ... the original contract and a record of the last payments that were made, how they were made and when they were made. The dates this was reported on is not a long time ago, so XXXX XXXX should be able to furnish this information since I am completely sure this XXXX XXXX accounts is not mine. 
I am requesting a formal validation of this account ; I am entitled to request the following:1. Proof that you either own or were assigned the deb t from the creditor2. Proof that you have the right to collect this debt in the state of California3. Proof that your company carries a bond4. Proof on how your company assessed the outstanding debt5. Payment history from the original creditors ( must provide source of payment ) 6. Copy of the original contact bearing my signature. 

XXXX as well as ALL XXXX credit agencies are not complying with FDCPADOB : XXXX/XXXX/XXXXAccount Name : XXXX XXXXOriginal Creditor : XXXX XXXXAccount number : XXXXDate Open : XXXX/XXXX/XXXXLast Updated : None ShownReported Since : XXXX/XXXX/XXXXStatus : PAYS AS AGREEDCredit Limit : $ XXXXAddress : XXXX. XXXX XXXX XXXX NV XXXXXXXXAmount Due : $ XXXXLast XXXX of SS # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, my name is XXXX XXXX ( XXXXXXXXXXXX ) This is the problem I have : On or about XX/XX/XXXX by XXXX XXXX XXXX a collection is reported on behalf Public storage ( XXXX XXXX, XXXX ). I disputed this as it is incorrect! I contacted XXXX XXXX XXXX and they filed to remove this on or about XXXX before. As of to day I do not have XXXX XXXX XXXX is not on my record, " ONLY!!! '' my score have not re stated the XXXX points! It was before XXXX ( XX/XX/XXXX after the XXXX XXXX XXXX collection report information was lowered to XXXX ( XX/XX/XXXX ) I Know that XXXX have a math to calculate the Credit Score, my problem is if my score changed do to! that negative input, why the same " math '' ( FICO score algorithm ) have not re calculated it? as now I do not have the " wrong '' input!? 
Can I have my missing score reinstated please. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTEL : XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I pay my mortgage every month on time. The Mortgage Company changed addresses and never notified me. My payments went to the wrong address and were forwarded to their office for 4 months, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, before they decided to tell me I was late. They sent me a letter after 4 months and told me to pay 4 months of late payments. They also reported me late for those 4 months. I called and asked about it and he said there was nothing he could do about it. I even spoke to the bank and I have proof the payments arrived on time to their former office from the bank because I pay everything on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a timely appeal request and no written determination has been issued to date. This means, as a matter of law, until a written determination of an appeal is issued to the borrower, the modification process that began in XXXX can not be considered concluded. Therefore, Bank of America is required, as a matter of law, to keep a single point of contact ( XXXX ) assigned to this home loan account as I am still considered active in the modification process. 

On XX/XX/XXXX Bank of America is not following XXXX and other guidelines when it comes to incorrectly denying a borrower a HAMP and, instead, is trying to force me to restart the modification process rather than agree to settle for their misconduct throughout the modification process. 

I have repeatedly informed Bank of America I will not restart the modification process that I began in XX/XX/XXXX for which they have confirmed multiple times. Yet, Bank of America continues to harass me on this point. 

Bank of America has no standing to commence any separation processes or procedures such as foreclosure, but refuse to settle for their wrong doing. 

In the mean time, Bank of America is reporting to credit collecting agencies default on my mortgage loan while at the same time not taking any action to resolve the matter whatsoever other than harassing and threatening me time and again. 

Bank of America also keep on deleting and altering documents from the Online Borrower Portal. This is wrong on so many levels including their duty to preserve evidence and protect my personal and financial information. There is no excuse to be had on this point. 

Simply put, it has not cost Bank of Almeria any penalty they are not willing to pay when caught in the act of their wrong doing when it comes to the modification process. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am an authorized user on a credit card, but that card does not appear on my Transunion report, even thought it does appear on XXXX and XXXX. Transunion says nothing can be done, and my credit card company says the same. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to Jared Jewlers in XXXX Florida with my girlfriend to purchase a engagement ring. We choose a ring that she was extremely excited about. I traded in some diamonds which they gave me a {$2500.00} credit for and asked the Jewler XXXX to remove XXXX halo of the small diamonds and replace them with a halo of sapphires, he advised I would receive a {$200.00} credit for those diamonds. I put down {$3000.00} and was left with a balance of {$10000.00}, when I was reviewing the paperwork it said my payment would be interest free for 19 months at {$340.00} which was in my budget. I picked up the ring a week later and proposed to my now fianc. Approximately a month later I received a monthly bill for {$580.00}. I was shocked and thought there must have been an error. I called the credit card company and they explained that to get some sort of points credit XXXX had set up my credit card account based on {$6500.00} and later after I left the store called the credit card company back and added the additional {$4000.00} which increased my payment from {$340.00} to {$580.00}. I explained that I was told that my payment was going to be {$340.00} and not {$580.00}. I later went to the store and spoke to XXXX in person with my fianc. She was there when he told me that the payment was going to be {$340.00} monthly. XXXX demeanor was quite different, I got the sense that he had done this many times to many customers. I asked him if he could extend the term to make the payment affordable with in my budget and what he had told me it was going to be and what the paperwork said. He told me that there was nothing he could do to change the payment terms. I left and started researching Jared 's on the Internet, I discovered that many others customers of Jareds had similar experiences. It is not only illegal but also unethical to tell people there payment is one amount when it is actually another amount, especially when it is in writing. For an associate to quote one payment amount, put it in writing, and state that is the payment amount but later after the customer leaves the store to call the credit card company and add amounts to their credit card to later increase the payment. This is pure extortion, and against the law. I am hopeful this matter will be resolved amicably. In XX/XX/XXXX, I paid my first payment of {$400.00}, {$56.00} more than the amount that I had agreed to both verbally and in writing. I have received numerous collection calls since I made that payment informing me that I am delinquent and threatened that my credit score would be negatively impacted due to my delinquency. I look forward to hearing back in the near future how we can resolve this issue. Sincerely, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are two accounts on my credit one is for a company called XXXX, and they have advised me that they have sent over a deletion to Experian on two different occasions and it has never been deleted. The other account is XXXX, and they have deleted this account once before and now they have placed it back on the credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Frequent and repeated calls with same vague pre-recorded message. No information provided to identify debt referred to in message. Different phone numbers appear on caller ID with each call. Different area codes, different company names ( some with charitable org. Names -nonexistent org. ), or different city and state with each call. Recorded msg. instructs listener to use phone to enter info. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Someone has been impersonating me and stole my personal information and identity and open up a fraudulent U.S. Bank XXXX XXXX credit card account # : XXXX. This account is fraudulent and do not belong to me. I have attached supporting documentation which includes my incarceration date. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. Based on the documentation provided, I 'm not liable for the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to financial setbacks in XX/XX/XXXX, we finally had to file for Bankruptcy in XX/XX/XXXX. We struggled to make all our payments and comply with the trustee guidelines. Throughout the process, US bank tried- on numerous occasions- to file a motion for relief of stay with the bankruptcy court but each time our attorneys fought for us. They even claimed that we did not make all of our payments through the bankruptcy and the attorneys had to go to court & produce records in conjunction with our records that we did. Finally, after XXXX painful years fighting US bank and paying off creditors, our Ch. XXXX was discharged in XXXX of XXXX. Sadly, the harassment by US bank continues. They failed to update their records and clear of a motion to foreclose on our property in XXXX. As a result, on XXXX XXXX, XXXX we received a letter dated XXXX XXXX, from XXXX XXXX XXXX that our mortgage has been referred to their firm for Foreclosure. This was a complete shock and re-opened wounds that we thought were healed! I spent much time on the phone trying to get this new matter cleared up and answers as to why this happened. They said they would take care of the matter. I ca n't put into words how discouraged and tired we are of the harassment by this bank. They have tried repeatedly over the years to seize our property. We are current on our loan! We did receive a loan modification during the Ch. XXXX but only after years of filling out applications and being denied repeatedly. We had to complain to this agency on that matter too. We have much equity in our house but because of the bankruptcy and a damaged credit history, we ca n't pull from it to get needed home repairs. US bank knows this. US bank is one of many banks that use their power to intimidate hard working homeowners and should be held accountable for their actions. We feel they have a vendetta against us and we should no longer suffer this emotional and financial torment. 

Company response: Company chooses not to provide a public response
Consumer complaint: this is not my account or bills 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm not sure where this debt came from. I was an XXXX customer in 2010 I payed all my bills and returned the devices when my account ended. I checked on my credit report and saw that I had a claim from XXXX for {$320.00}. I do n't know where this collection came from. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received notification from Bank of America that my mortgage was increasing over {$400.00} per month due to the program Countrywide placed me and my ex husband on 10 years ago. When I inquired on options they placed me with the loss department advised me to contact bk and or foreclosure attorney and suggested a short sale. I have never been late on my payments and they are saying I need to proof a hardship. They are also stating they will not proceed with my request until my ex husband quit claims the property over to me first even though we have a divorce decree and I was awarded my home in 2008. When I asked why they can not record the deed at closing they stated investor guidelines require the quit claim first. 

Company response: Company chooses not to provide a public response
Consumer complaint: Arizona XXXX XXXX bill paid, {$44.00} months ago!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( Elan Financial - Cardmember Services ) .Elan Financial Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with Elan Financial - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told by a call center advisor atr cfpb that I had to create separate complaints for each bureau the information is being reported to incorrectly and XXXX for the financial company so this complaint is a direct complaint against Elan Financial - Cardmember Services. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Experian for reporting XXXX collection accounts to my name that have been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Experian, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. That is when Experian began sending me, what I suspect, were letters to stall me and discourage me from pursuing anymore evidence or verification. At least XXXX times on XX/XX/XXXX and XX/XX/XXXX they responded to my concerns with letters claiming that I was being " suspicious '' and potentially " fraudulent '' and that they refused to process any more of my disputes. I am so confused by how a credit reporting company, who has my California drivers License, social security card, bank statements and everything else necessary to verify me can still accuse me of not being me. I have almost felt as though they wanted to pursue legal or criminal action against me! I felt threatened and now I have no where else to turn regarding some inaccuracies and false reporting. I have also filed CFPB complaints against XXXX in XXXX CA, for illegally and fraudulently reporting onto my credit file with Experian. Under FCRA guidelines I am aware that as a consumer I have rights to dispute inaccurate and invalid items and that my credit must be reported with 100 % accuracy and this is absolutely in violation of that and can not threaten me for disputing inaccurate information. I truly question the tactics Experian utilizes to verify disputes. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015, I was visiting XXXX ( XXXX ). I took a taxicab there, from the center of the city to my hotel. This should have cost not more than {$20.00}. The taxi driver insisted that I pay by credit card, took my credit card and returned it to me. I did not sign anything. Shortly thereafter I was told that the driver had in fact charged {$510.00} for the ride. 
On the very same day I called the credit card company ( Barclaycard from Barclays Bank Delaware ) to complain. 
They said that they would look into the matter and would let me know. Three months later, ( as of XXXX XXXX ) they are still charging me for it. They claim that they talked to the merchant and he insisted that it was a legitimate charge, and that they can therefore do nothing about it. They sent me a copy of the voucher, with a signature that looks nothing like mine. 
I have talked to the people at Barclaysbank Delaware at least XXXX times. They always say that they will look into it, but never do anything about it. I have sent them a handwritten letter, but they do nothing about it. 
I want everyone to know about this. These people would rather take the word of some taxi driver in XXXX than mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please accept this as a formal complaint against Experian Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : this account is scheduled to continue on record until XX/XX/XXXX - comments : transferred to another lender ' is erroneous because the house that I owned was short sold back in XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: Progressive Management Systems submitted a negative credit report to all major credit reporting agencies regarding an alleged debt to XXXX in the amount of {$50.00}. This debt was dated XXXX/XXXX/2015. Progressive Management Systems never notified me in writing regarding this debt nor provided a right to dispute this debt. I discovered this information via the annual credit report check I completed on XXXX/XXXX/2015. 

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