AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: All information matches except for the last four of SSN ( XXXX ). The SSN they have on file ( XXXX ) is not mine but the name, address, phone # is correct. I have requested that they remove me from there dialer and cease contact with me until they can prove this debt belongs to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am disputing the only adverse account on my report, which is XXXX # XXXX XXXX XXXX XXXX XXXX for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XXXX XXXX, 2013 when my bill was paid in full thru XXXX XXXX, 2013. 
On Friday, XXXX XXXX, 2013, at approximately XXXX when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XXXX XXXX, 2013. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XXXX XXXX, 2013 when my account was paid in full thru XXXX XXXX, 2013. 
I owe XXXX nothing! 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection agency named " XXXX XXXX XXXX " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " XXXX '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed a stipulation of settlement ( attached ) in XXXX of 2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX of XXXX I signed a promissory note for a student loan with Wells Fargo. The loan refinanced a student loan I took out to attend XXXX University. When the loan was made I elected online delivery preferences for statements and notices. I received notices each month as expected through XXXX. When I logged-in XXXX XXXX, I noticed that all billing statements were missing for XXXX XXXX - XXXX XXXX. I messaged Wells Fargo, spoke to a customer service representative and a supervisor in order to track down the missing statements. I was told that the statements were not generated and were not historically available. The lack of billing statements hinders my ability to keep track of my loan. I setup direct deposit and online statements so that my time would be freed up to do other things, like work to pay off the loan. Wells Fargo states that the billing statements were not generated because they received a returned piece of mail, but it 's not clear why that should impact online billing statements -- I have n't experienced this with any other lender. I elect online statements that reduce Wells Fargo 's printing and mailing costs, but they 're not holding up their side of the bargain by making all of my statements available online. Please help. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2007, I was a victim of identity theft. As a result, the XXXX and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Transunion. After several years of disputing the debt with the XXXX, and with the help of the XXXX, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Transunion has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Transunion to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Transunion does n't want to do it. I finally called the XXXX again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Transunion to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am with the title company and Prime lending does this on several deals I have had them on the other side more than a handful. As for them working with Title to get CD worked up and making sure that we are balanced they do not we get figures and when we do get figures its a couple of hours before we are to close then we are pending the wire and loan docs to come over. ( buyers and sellers are sitting at the table for hours vs. an hour and half that it normally does. They send out only their lender cd with their fees there are no other fees being disclosed like transfer fees HOA dues etc. This is very frustrating and I have had buyers at the table very frustrated and annoyed at their process. 

I have attached initial request to prime lending on XXXX/XXXX/2015 requesting CD so we can balance with their net funding and cash to close for buyer. still at this time we still do not have anything from them this closing has been delayed from XXXX/XXXX/2015 to XXXX/XXXX/2015. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have a checking account with regions bank and a unauthorised person took {$800.00} out of my account with out my permission. I still have my debit card in my possession and I never give anyone my info so I do n't know how this person took money out of my account. Both withdraws was taken out at a atm. I noticed the next day and immediately called my bank and filed a fraud report along with a claim. I called the bank a week later learning that they denied my claim because the transaction happened in the same state and because they knew my pin. I told them I still have my debit and can prove I was at work at the time the money was stolen. The bank never credited Me back my money. This was all the money I had and I need help getting it back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: NorthWest Financial Services or XXXX XXXX now has my debt from XXXX XXXX XXXX. I am unaware if those debts have been charged to my insurance. Along with that I was making payments to XXXX at the time they turned me into NorthWest ... I have asked for a payoff amount ( discounted ) Northwest is unwilling to work with me and has threatened to charge me very large amounts of interest until I pay it off. I am willing to pay but not being threatened to be charged tons of interest when I barely have the money to pay it off in the first place. Thank you XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XX/XX/2007, my name was listed second on a loan with XXXX to allow my former spouse to purchase her vehicle under the XXXX Employee Program. After numerous late payments by HER, it was sold and the proceeds above the loan balance were refunded to her. Despite the fact that I made NONE of the late payments, no " repossession '' was done from me, and I did not receive any of the sale profits, TRANSUNION refuses to delete this account from my file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: FEMA mandated a large area in which I live to be in a flood plain on XXXX XXXX, XXXX. It included everyone in about a XXXX of the County in which I live. I have lived here for 29 years and 10 months. This is all new at this time. On XXXX XXXX, XXXX, Citi Mortgage issued a letter stating that I had to get flood insurance absolute by XXXX XXXX, XXXX,. This was the first that I learned of this status. Citi Mortgage stated that if I did not obtain flood insurance that they would establish a policy that " may be higher than the cost of flood coverage obtained by your own insurance agent. '' So, in any event, I am forced to get flood insurance! I have worked diligently in consulting with the Assistant City engineer of my city and he performed a site elevation survey and published a certificate stating that I should be OK to not need flood insurance. ( See attached Certificate dated XX/XX/XXXX. ) Shortly thereafter, I sent in the required documents ( deed, assessors map and Certificate to FEMA for them to review to apply for a Letter of Map Amendment ( LOMA ) or Letter of Map Revision ( LOMR ). I received a case number and then I called them and they said that the earliest possible timeline that they may address this issue would be 60 days. 
My complaint is with CitiMortgage in that they will not give me the time for due process. 
They are operating on a heavy handed process that gives no concern for the consumer!!!! 
I had called them and submitted to them all of my documentation via fax and have received no response. ( I will include my letter to them ). 
I have been in dialogue with the Consumer Protection Agency of the Federal Reserve who told me they have no jurisdiction over Citi and directed me to file a complaint through you. 
I have check with XXXX insurance companies for flood insurance. one quoted a price for XXXX coverage, XXXX deductible to be {$460.00} annually. The other will only insure for {$250000.00} coverage at a rate of {$530.00} per annum. 
I am being forced to purchase this insurance and am doing so under protest but, of course, I want a lower premium so I have to go with the lower quote. 
I feel this is totally unnecessary ... ... 
History, when I purchased the property over 29 years ago, a 100 year flood XXXX was reviewed. It was deemed then that because the creek that previously impacted the lake on which I live had flowed into the lake. XX/XX/XXXX the creek was diverted to flow around the lake and in no way flows into the lake. 
During my nearly 30 years, I have not experienced anything that would impact any of my structures of the property that would be even near a flooding situation. 
I am requesting more time so that I can iron things out with FEMA. 
I believe that I am being squeezed by FEMA and railroaded by CitiMortgage. 
There is absolutely no fairness whereby I will pay for insurance when in fact it appears to not be necessary!!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a Home Equity Line of Creidt ( " HELOC '' ) with Bank of America in the original amount of {$100000.00}. The home was foreclosed on back in XXXX. Bank of America ( " B of A '' ) reported that it charged off the debt to the credit bureaus. In XXXX XXXX B of A entered into the largest settlement in XXXX history agreeing to pay {$16.00} XXXX. As part of that settlement, over {$7.00} Billion went to debt forgiveness which was supposed to benefit consumers. For each dollar of debt forgiveness, B of A was actually credited MORE than the dollar forgiven towards the settlement. Rather than crediting collectible debt, B of A did the shrewd thing and discharged debt which, like mine, was completely non-collectible. In my case, for example, the debt was over XXXX years since date of last payment and B of A could not sue over the debt and the lien against the home had been discharged in the foreclosure sale. So B of A essentially " gave me '' the balance of the {$100000.00} loan, as partial penance for its wrongdoing, but the only " benefit '' to me is that I am now XXXX 'd on this debt and have to declare that money on my taxes resulting in a HUGE and unpayable tax debt. B of A, on the other hand, gets credited real money against its fine. So be it. Perhaps I will write to the independent settlement monitor Professor XXXX XXXX XXXX to complain about this practice. 
The issue of relevance to the CFPB is that B of A has refused, on multiple occasions now, to correct the notations in XXXX that this HELOC is still being erroneously reported as a " charge off ''. I have disputed this with the bureaus and each XXXX comes back stating that B of A is saying that the charge off is correct. It is not correct. Like in a bankruptcy case where a debt can no longer be reported as a charge off when the debt is extinguished, the bank has not " charged off '' this amount. It has " paid '' the debt ( leaving itself with a monetary credit towards settlement in excess of the amount of the uncollectable 'paid ' debt and me with a tax burden XXXX of dollars ). The only conceivable thing I could receive out of this settlement intended to consumers like myself harmed by B of A 's practices was to have the loan report correctly on my report. And they repeatedly refuse to do even that. I have all documentation ... the letters to B of A requesting removal, letters to the bureaus, and the bureaus ' 'verification ' of the 'charge off ' status. This is beyond adding insult to injury. It is further unlawful financial misconduct by B of A, under the auspices of a settlement with the XXXX consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a settlement in XXXX based on harmful lending practices by Flagstar bank. The question I have is, this was a VA loan and the VA was never compensated for their part of the loan they backed, now I have a substantially reduced amount that the VA will lend me based on this. Is there a way to get the VA repaid? Also my credit report now states foreclosure redeemed, is there a way to have it removed all together? Thank you for your time 

Company response: Company chooses not to provide a public response
Consumer complaint: They are reporting old address on my credit file that were never mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for an apartment in XXXX XXXX Michigan and the apartment complex uses a credit reporting agency saferent or core logic. I disputed this information, sent them supporting documents of this information being incorrect, and I even sent them information from XXXX stating the errors in my credit report and they continued to ignore my pleas. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: WOULD NOT OPEN A ACCOUNT NEED TO KNOW REASON 

Company response: Company chooses not to provide a public response
Consumer complaint: TO WHOM IT MAY CONCERN THIS IS MY SECOND COMPLAINT AGAINST MACY 'S FRAUDULENT ACT THAT BEGAN XX/XX/XXXX.WHY DO I SAY FRAUD BECAUSE AS OF THIS XX/XX/XXXX MACY 'S HAS FAILED TO REVERSE A LATE A FEE OF {$27.00} WHICH THEY CLAIMED THEY DID .INSTEAD THEY APPLIED THE LATE FEE TO MY MINIMUM PAYMENT WHICH HAS NOW BALLOONED TO {$100.00} XXXX MORE LATE FEES HAVE BEEN APPLIED WHICH HAS RESULTED IN MY HAVING A PAST DUE {$42.00} .RECENTLY I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL TOO? Y MY ACCOUNT HAS NOT BEEN CORRECTED YET & THERE RESPONSE WAS A PHONE # I SHOULD CALL BECAUSE THE ACCOUNT IS IN A SPECIAL UNIT.I'AM VERY CONCERNED THAT MACY 'S FAILURE TOO CORRECT MY ACCOUNT IS DUE TO THERE BANKRUPTCY. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, I have a credit card account with Navy Federal Credit Union opened around 2012. I believe in the last few months I been receiving collection letters considering this account. I was SURPRISED because this account ALWAYS been paid on time never late. I reach out to Navy Federal and they stated that they did not have any information on me in their system. I give another representative my access number and he contacted his manager and they stated that my access number does exist. But this negative information is reporting on my credit reports. Can someone please help me in this matter it feels like I 'm going in circles. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today, XXXX/XXXX/16 I went on Ditech.com the company who services my loan to make a payment on line and received an error message on each attempt I made to make this payment on-line. The screen error is attached. I then called the XXXX number and was routed to the automatic payment by phone. I again was not able to make a payment by phone. At this point I was router to a customer service rep. the customer service rep. said she would process the payment and stated it would be a {$12.00} convenience fee. I said on the web it was {$10.00} and she then stated this is why it is not working on the web or on the automatic phone. At this point I had wasted XXXX minutes of my morning, I asked for the fee to be waived, she replied no. I asked to speak to a supervisor, they supervisor XXXX said she could not waive the fee either. I said fine I will pay the fee and I am filing a report with the CFPB, magically the fee was then waived. I am not sure if they broke any laws however it is making it difficult for consumers to make payments, based on the fact they offer an on-line payment and pat by phone and neither was working you would think out of common courtesy they would waive the fee until it was fixed, especially because the fees showing on the web and spoke on the phone are different from what they then tell you when you speak to a live person. Not to mention they also got statements out late which on their message when you call in and final XXXX out late as well. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have made repeated attempts to obtain my consumer report. Chex Systems Inc has failed to respond in an appropriate fashion. 

After failing to open an account with Simple.com and XXXX XXXX Checking due to my Chex Systems score, I ordered my report online. I contacted them via phone on XXXX XXXX 2016 and was informed that the report would be sent the next day. I called again on XXXX XXXX 2016 and told them that I had n't received the report - the agent said they would send another one later that afternoon. No explanation as to why I had n't received the first report was given. I called once more on XXXX XXXX 2016 and was informed that the report had n't been sent on the afternoon of XXXX XXXX as promised. It turned out that the agent I spoke to on XXXX XXXX had lied to me. However, they claimed to have sent it earlier that day ( XXXX XXXX ). They 've outsourced their customer service to XXXX, and it 's impossible to get in touch with anyone who 's actually involved with the company. I 've insisted on them giving me a tracking number for the report, as evidence that they 're actually sending it. 
I have a very high credit score and my banking record is very clean. I 'm not, and never have, been in debt. I can only assume that they 're reluctant to send me my report because there they are unable to validate the false claims. This is clearly in violation of the Fair Credit Reporting Act and I will pursue this in the courts, if this is not cleared up very soon. 
Please remove my banking record from Chex Systems with immediate effect. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: hunter warfield has reported to all three credit reporting agencies. They have reported in the amount of XXXX $ they have yet to contact me in this regard. the FCRA states that they must notify me 30 days prior to reporting to the agencies, they must provide a detailed, itemized account. the last time I reported to this this government agency they said that it was a dupilicate compliant and they would respond shortly. that was XX/XX/XXXX. since then I have disputed the account on XXXX and XXXX, both agenies have " verified '' the debt. this indicates that hunter warfield has worked on this yet refuses to address it here so as not to get caught breaking federal law 

Company response: Company believes the complaint is the result of a misunderstanding