AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In 2014 I successfully invalidated a XXXX XXXX account from my Experian credit report. Experian just let XXXX XXXX re-insert it after 6 months knowing that it had been invalidated and deleted. The Consumer Financial Protection Bureau as well as the Federal Trade Commission highly scrutinizes this abusive practice by financial institutions and must cease these actions immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion credit agency is a FRAUD! I was notified by " XXXX '' ( my XXXX card ) that they were boosting my APR from 9.99 % to 16.99 % based on a credit report from TransUnion ( see copy of XXXX XXXX letter ). A 7 % boost!!! It listed multiple delinquencies. I 've not been delinquent on ANY payments. A XXXX account was closed when a public fiduciary seized my account - not my fault ( and it 's being disputed in court ). I have XXXX credit cards and have made ALL payments without ANY delay or late payment ( for more than 25 years ). 
XXXX listed the TransUnion agency. I went there to find out why my report was incorrect. Their report stated my credit score was higher than I thought and there were NO account delinquencies. NO 'lack of recent installment loan info ( do n't HAVE ANY installment loans ). 
After logging out of the TransUnion site, I discovered I have signed up for their 'service ' and there was a {$1.00} charge ( though the XXXX XXXX letter states it 's a free service ) PLUS I had subscribed ( I DID NOT!!! ) to their 'service ' and would be charged {$17.00} per month - charged to my credit card. 
I am forwarding a copy of past complaints I found doing a XXXX search on this fraudulent 'sham ' of a company. I stopped at XXXX pages. I have no idea how many pages of info followed ; though I 'm sure I only scratched the surface on those I copy/pasted. 
This company should be shut down and people should be going to PRISON!!! This is pure consumer fraud!!! 
I 've cancelled and shredded my credit card so they ca n't 'soak ' me for {$17.00} per month. I 've had to go through a lot of aggravation because of these scammers. I would like to see them exposed and jailed! 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was paid in full, see attached pay off letter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am co-signer on student loans in my son 's name at LendKey. Last Friday, XXXX XXXX, I received a message from LendKey and returned the call after checking the status of the loans at the LendKey site on-line. The party answering was also on the loan screen at the same LendKey site, but his information did not match mine as my screen showed XXXX past due loans ( 43 days and 10 days ) while the LendKey representative indicated the same XXXX loans on his screen were each 11 days past due. At any rate, upon my request the LendKey rep indicated that the total amount past due on both loans was less than {$100.00} at which point I offered to immediately bring both loans current by debiting or by means of ACH from my checking account. He said that was not possible even though I was the co-borrower/co-signer unless I would agree to allow my checking account to become the new auto debit source for future payments. I would not agree to this and upon questioning the practice of LendKey calling me and then refusing to accept payment, the LendKey rep said " the Company is working on that ''. Next, I received a letter on XXXX XXXX from LendKey dated XXXX XXXX ( the day before the telephone call ) and it indicates only XXXX of the XXXX loans in past due status and only past due for XXXX cents!. This was XXXX of the XXXX loans referred to as past due on the call on the XXXX, but is again a different past due amount. LendKey has called us in the past and we have tried to work with them, but none of the information regarding past due amounts, dates of payments and resolution on the phone ever match with what is reported at the LendKey site. This is extremely frustrating and likely to ruin my excellent credit score, plus it is a nuisance. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have faxed Experian and XXXX XXXX the judgment that the court files were paid in full and satisfied. They are still on my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I file for Chapter XXXX Bankruptcy protection, and requested the federal court to issued a Temporary Restraining Order against SPS the mortgage servicer to prevent the sale of my XXXX House, on XXXX XXXX, 2015 the court Grand me a Temporary restraining Order against SPS ( Copy Attached ) but the following attorney for the SPS, XXXX XXXX, requested a sale of the property that at the same time we were working in a mortgage modification ( Dual Tracking )., at the same time I was communicating with the case manager XXXX XXXX XXXX continue to tell me that the SPS will stop the sale as long I provide all documentation witch I did. they request the sale to be schedule by XXXX XXXX, 2015, and the day of the sale the Judge denied the motion to cancel the sale but it was a clerical error so the sale it was schedule for XXXX XXXX, I contact the SPS Case manager XXXX and she told me that they will vacated the sale,. at the day of the hearing the SPS attorneys did not show so the Judge continuo with the sale., the property it was sold XXXX XXXX violating Federal Bankruptcy Rules and CFPB Rules like ( Dual Tracking ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ADVANCED COLLECTION BUREAU, INCXXXX XXXX, FL XXXX XXXXXXXXTEL : XXXXXXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ADVANCED COLLECTION ACC # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX BAY, FL XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed dispute but the TransUnion will not recornize dispute. other than a number XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt collector is attempting to collect a debt and I am attempting to set up arrangements to pay. I 've called during thier stated business hours and each time the automated system tells me I am next in line for an available operator and then I get put into their viocemail system which states someone will call me back ASAP. No one ever calls me back and I clearly leave my name, account number and phone number. If I do n't get a hold of them by XX/XX/XXXX they are going to just take the whole amount out of my paycheck. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a Macy 's credit card holder. Macy 's has a policy even if you pay off the balance in full before the next billing date of continuing to charge you small fees. Usually in the $ XXXX range. I fell for this once thinking I was a day or two late. Over the past year it is continual. If you call and go round and round ( and never being able to talk to an actual person, you will get a prompt, are you disputing your latest finance charge? Press XXXX for yes. I do. Then the voice says, as a customer courtesy, Macy 's will remove the charge. This is not a courtesy. I paid before the next due date. I should not be getting these small bills. I wonder how many other people keep paying this fee trying to get rid of it or how much money Macy 's makes over XXXX card holders every year? This practice should be stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank XXXX XXXX XXXX, GA XXXX XXXX XXXX denied me access to Small Business Non Profit Checking Savings Account ; Federal Violation of ECOA Discrimination Violation of Civil Rights Act as Amended base on my ( XXXX ) XXXX XXXX ( XXXX ) XXXX for a NonProfit Faith Based 501 ( c ) ( 3 ) IRS ; Active Status with the Georgia Secretary of State Office and sent me away to produce Articles of Incorporation and Certificate of Incorporation that has been in Wells Fargo Profile sinceXX/XX/2002. Lack of professionalism on behalf of that Branch Manager and staff member for offering to cash a personal check written by a Wells Fargo Customer to me in denominations of {$20.00} bills ( total check {$3.00} ) or offered me to go to another Wells Fargo Branch. 

Company response: Company chooses not to provide a public response
Consumer complaint: Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother purchased a home using a reverse mortgage in XXXX, XXXX. She passed away in XXXX, XXXX with me her sole heir. The property was foreclosed without as much as an opportunity to discuss ways of keeping it. 

Under terms of the reverse mortgage there is an automatic six month extension for disposition of the property. On XXXX XXXX, XXXX I submitted a letter of intent and request for an additional six month extension to Wells Fargo. The succession for XXXX 's estate was started XXXX XXXX, XXXX and I was granted a JUDGEMENT OF POSSESSION on XXXX XXXX, XXXX. I received correspondence from XXXX XXXX, XXXX ( XXXX 's foreclosure attorney ) on XXXX XXXX, XXXX indicating that foreclosure proceedings had been initiated. 

I immediately began trying to contact XXXX to get information and the status of the loan and of the requested extension. After several attempts and numerous conversations with XXXX Customer Service Representatives in which I was told that they we unable to discuss anything about the loan with me, I initiated a conference phone call that included me, my attorney, XXXX XXXX XXXX, and an attorney from the Wells-Fargo legal department. That conversation proved fruitless and ended with the XXXX attorney taking the position that only " Letters of Administration '' from the court would allow XXXX to discuss anything concerning the loan or property with me. 

The property was scheduled for sale at XXXX XXXX XXXX Sheriff 's Auction XXXX XXXX, XXXX. Well-Fargo Bank acquired title to the premises at that sale. On XXXX XXXX, XXXX I received a Notice of Foreclosure with a Ninety Day Notice to Vacate and surrender possession. I removed all personal property and furnishings, at great expense, and turned the keys to the property over to Wells-Fargo 's designated agent. 

About XXXX XXXX, XXXX I received a summons regarding a motion to set aside the sheriff 's sale and reinstate liens and mortgages as if the sale had never occurred. That motion was granted and the judgement signed XXXX XXXX, XXXX. I believe that the entire process and the tactics employed by XXXX in this matter were patently unfair and possibly illegal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I pay my loan back in 2012 I pay my the amount of XXXX, but they are continue putting late fees on my credit account which does n't make sense because I paid that account back in 2012 and it should be close. it was be close by me and he was close by the lender. I have proven that I pay that amount the full amount that they were asking me to pay. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased furniture from XXXX XXXX and I received about {$3500.00} in defective items. I made numerous phone calls and sent numerous e-mails to the merchant, but I received no response from XXXX XXXX. I purchased the goods with my Wells Fargo Financial National Bank XXXX XXXX credit card # : XXXX. I am dissatisfied with the goods I received from XXXX XXXX and I have tried in good faith to correct the problem with the merchant. I may have the right not to pay the remaining amount due on the purchase. I am disputing the following charges : {$2800.00} and {$760.00} on my credit card account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in the middle of a loan modification with Wells Fargo Mortgage and aftersubmitting the same documents over and over they dropped the loan modificationand set a foreclosure of the property. I got a copy of a appraisal of my property, without being told it was being done, along with a letter saying the loan modificationdocuments will be sent separately. The next notification was from their foreclosureattorney with a sale date of XXXX/XXXX/2015. I called the representative and she calledback 2 days later saying submit the same documents again. I sent them on XXXX someone from the re entry team called verifying my details. I called the nextday only to hear I am within the 7 day period of the sale date and they wouldn'thelp. I had got a letter from them a month ago saying I was approved for a shortsale that they claim I requested it. I called the lady whos name was on the letterand she said it went out without her knowledge. I was luckily enough to get themoney together to hire an attorney. I got a letter today XXXX/XXXX/2015, dated XXXX the sale date is XXXX/XXXX/2015, which is the first time I received a writtennotification of a change in my loan status. Please advise me of my options as therehas to be multiple violations. I originally had to get the XXXX department involvedto stop the same situation in XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : CFPB Case Number : XXXX claims that the " prior servicer 's tax vendor '' made the initial error which led to the escrow shortfall. The prior servicer is XXXX XXXX who identified CoreLogic as the tax vendor. I contacted CoreLogic nearly two months ago seeking clarification and have not heard back. 

Attached:1 ) XXXX XXXX response XXXX claiming prior servicer 's tax vendor made escrow error. 
2 ) XXXX XXXX 's response identifying CoreLogic as tax vendor. 
3 ) My letter to CoreLogic seeking clarification. 
4 ) CoreLogic 's signature of receipt of my letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I first to out a mortgage loan with XXXX XXXX XXXX, then XXXX sold my loan to green tree, now the sold the loan to DITECH. I recently received a call from DITECH demanding a payment and harassing me about a late payment. I was not late on my payment. Ditech is harrassing for a mortgage payment that I was late on 2013. They have spoken to me with very bad language and demeanor. I have never been treated with such a bad attitude. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ___ XXXX ___, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX ( XXXX XXXX XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( XXXX ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: My problem with Wells Fargo Home Mortgage started after I filed bankruptcy to save another property I own in a different state. I have XXXX loans with Wells Fargo and was having problems with the mortgage on a property I own in XXXX, CA. My bankruptcy was filed in XXXX. On or about XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage stating that I was to send my mortgage payments to Wells Fargo Home Mortgage, XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. I began making the payments to this address. My bankruptcy was dismissed in XX/XX/XXXX and I was told that there was un-applied funds in the amount of {$2400.00}. I continued to make my payments but then I started receiving letters from Wells Fargo that I was behind in the payments.and was given an amount of over $ {$6000.00} that was delinquent. I never stopped making payments on the loan and provided Wells Fargo with copies of cashed money orders drawn on Wells Fargo Bank as evidence that I was making the payments so this amount has been in dispute. I also requested the loan be audited and received a letter XX/XX/XXXX that the inquiry was going to take longer than they expected and would be resolved by no later than XX/XX/XXXX. I continued to make payments to the XXXX XXXX IA address. I received a letter dated XX/XX/XXXX from an attorney, XXXX and XXXX, XXXX that Wells Fargo has turned my account over to foreclosure and was advised that a foreclosure was file on XXXX XXXX but no date for the foreclosure sale has been set. I am very upset about this as I feel they are now trying to take my home. I am XXXX years old and on a fixed income. I receive all kinds of letters, phone calls and people coming to my home saying they have been sent by the bank and trying to gain access to the inside of my home. I never received a resolution from Wells Fargo regarding the audit of the loan. I contacted Wells Fargo and explained to them that I had the money orders to prove I have been making payments and they told me my loan had not been paid since XX/XX/XXXX and that I owed approximately {$8400.00} in back payments, not included fees. I spoke to a gentleman named XXXX and he advised me to send in the copies of the money orders. This will be the third time I have provided them with proof that I have made the payments. At this point, I do n't have confidence or trust in Wells Fargo to follow through with what they promised and feel it is in my best interest to file this complaint. I have been trying to apply for a loan modification but was told I had too much income. That is impossible as I am on a fixed income ; I receive a small pension and social security. I also have been advised that the loan I was in was a deferred interest loan and was considered predatory. My mortgage balance is upside down with the additional interest due on the loan. Please assist me to mitigate foreclosure on my home. Any help you can provide will be greatly appreciated. 

Company response: Company chooses not to provide a public response