AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: credit karma is reporting XXXX open accounts on my credit report that should be closed due to bankruptcy.the XXXX open accounts are both medical, XXXX XXXX IN. credit karma is wrongfully reporting this because equifax has already fixed the problem. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: i obtained an XXXX XXXX Citibank credit card XX/XX/2015. A small charge of about XXXX dollars went on the card in XX/XX/XXXX, I never received the XX/XX/XXXX statement so no payment was made. When the next statement came it had penalty and interest so i called to find out why and discovered the missing statement, I paid that day the total bill plus an extra {$200.00} so that there would be no more interest. On the next statement there is still an interest charge, called and company rep acknowledged the extra payment but said still assessed interest because they charge interest until the next statement even when there is a credit on the account. Refuse to do anything about the charge. I think this is an abusive practice. For a missed payment of about {$20.00} where I never got the statement I have already paid {$22.00} in fees and {$35.00} in interest, then on an over paid account more interest is charged. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a letter dated XXXX/XXXX/2015 from Select Portfolio Servicing ( SPS ) stating they received and reviewed a request for loss mitigation assistance and that my account is ineligible for such assistance because a foreclosure sale is set to occur in the next 7 days. 
This is erroneous for several reasons. First, XXXX XXXX XXXX XXXX office ( XXXX XXXX XXXX is the contact ), has been exclusively communicating on my behalf with SPS since approximately XX/XX/XXXX 2015. Second, I nor XXXX Office has submitted a request for loss mitigation assistance to SPS on my behalf. Third, if in fact there was a loss mitigation request sent to SPS, it would have been received by SPS prior to 7 days before the XXXX XXXX scheduled foreclosure date. Last and most important is the fact that numerous correspondence has been sent to SPS over a long period of time attempting to resolve their assertion that they have the authority to service my loan, who owns my loan, that my loan is in default, the absence of missing payments, the delay in posting payments to my account, inaccurate interest rates charges, excessive extraneous charges, forced placed insurance and Up Front Fees ( UFFs ) charged numerous times for loan modification and forbearance requests that were erroneously denied for bogus reasons. 

Further, SPS refuses to respond to my specific questions regarding the validity of my home loan and their authority to service the loan as requested by a Qualified Written Statement ( QWR ) and in accordance with RESPA and Section XXXX ( f ) of the Truth-in-Lending Act, XXXX U.S.C. Section XXXX ( f ) ( XXXX ), which asked SPS provide me with the name, address, and Telephone number of the owner of the Promissory Note signed by me and secured by the deed of trust in my mortgage loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I assume my score dropped because of XXXX ( XXXX ) supposed recently opened accounts. The XXXX account was transferred to another company. It was simply a transfer, NOT a new account. In fact, that info is noted at the end of the account listing! 
Secondly, the XXXX account, listed as opened XX/XX/XXXX, was not initiated by me. I made an appointment for an estimate on a counter top purchase/installation which I declined due to cost. I have never used this account, did not request an account, and am asking XXXX to remove it and stipulate that it is " my request. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2015 I XXXX XXXX XXXX call Bank of America N.A . to follow up answer the Bank of America N.A..They supposed provided to CFPB when they ask for extension which they never answer to CFPB. 
The outcome was that in the follow day XX/XX/2015 Bank of America officer call me and refused to provided her name and she advice The Bank of America N.A . or any affiliated or subsidiary was not related to this case at all and they do n't have any type of interest in the residential located XXXX XXXX XXXX ; XXXX, XXXX XXXX, in controversial of a paper Motion To Amend Final Summary Judgment Of Foreclosure And Rescheduled Foreclosure Sale file in XXXX County Judicial Court at XX/XX/2015. 
I requesting to CFPB to reopen in to demands answers for Bank of America , N.A . 
I want to received the respond true United State Postal service. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a follow up to CFPB Case number : XXXX. I have recently the house in that case at XXXX XXXX XXXX, XXXX, XXXX XXXX. I overpaid the lien holders, XXXX XXXX/SLS, by approximately {$300000.00} and they ignored my written inquiries during the closing process to settle the matter. I only received {$25000.00} at the time of closing and am expected to pay estimated taxes of between {$160000.00} to {$200000.00} to the State of XXXX next year after consulting my accountant. The original loan amount was {$520000.00}, and they walked off with XXXX. I expect to declare chapter XXXX as a result of their usury, predatory lending and blatant fraud. I should have walked away from the property and let it be sold at sheriff sale, then I would not be facing bankruptcy and excessive taxes for monies XXXX and SLS took from me. If it were to be sold at sheriff sale, they would have received less than the $ XXXX, instead, they walked off with, after taxes and insurances, more than $ XXXX of predatory interest and excessive fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: About 4 or 5 years ago I had to bankrupt due to lots of medical bills for my son. AT that time I got an attorney and it was really pretty simple. About 6 months ago I was looking into refinancing since my finance charge had gone up due to the bankrupt agreements. I could not seem to get anyone to talk to me about refinancing. To make a long story short my loan was never reaffirmed. I had no idea what that meant until now and I do not know how that happened. For this reason I went back to my attorney and he had to reopen my case. I have since foundout that my perfect payment record is not being shown on any credit beaureau. In other words it is like i do not even own my house. The attorney said they could not do that so now I am find out that apparently they can. My complaint is this. I was not told by anyone about this. They reaffirmed my car but nothing was said about the house. Now the mortgage company says it is my attorneys fault and my attorney says it is thiers. All I know is I am paying on my house and have my credit back in good standing. I am XXXX years old and plan on staying in this house. I am still working because I can not afford to stop working. I need some help to find out what I can do. I think I am being thrown from one person to another saying it was each others fault and here I am still with no house. No credit showing and can not refinance to get my percentage rate down to an affordable monthly payment. Please let me know what I can do. I feel like I have been given the run around by everyone. I have paid out lots of dollars to try to get this corrected and now it looks like I am losing that as well. Please give me an idea as to my next step to fix this. Sincerely and I am not sure what they have done I went from fixed to I believe they call an arm now 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being garnished through my wages at this time without being notified by the Collection Agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid a debt from a debt collection company, that sent me a letter stating that I pay a certain amount to be taken off my credit report. The letter stated I pay 50 % of the bill, that will bring the account to a XXXX balance and it will be deleted off my credit report. I 've called several times after I made the payment because they subtracted the money I paid which made it balance that I would owed. I 've disputed with the credit bureau and submitted documentation to prove my case, but yet, still see this account on my credit report. However, they did bring the balance to a XXXX balance but have not removed it off my credit report. I 've called them since then about this situation and all they have done was give me the run-arounds - but the second time I called, I finally got someone by the name of, XXXX XXXX. She was the one that I told I made the payment but the account was not at a zero balance. She claimed I did n't make the payment on time - so I had to go to my bank statement and tell her what day I paid it on, which was before the date that was stated on the letter. I am filing a complaint today because this company is not a worthy company. They show poorly representation and false advertisement, per documents! I was to pay {$190.00} which include {$7.00} for a collection fee but ended up paying that collection fee twice. Just to clarify! 

Company response: Company chooses not to provide a public response
Consumer complaint: Private " XXXX '' loans offered by VSAC requiring filling out a paper deferment eligibility form every 3 months which requires a phone call to VSAC to request and several weeks to wait for arrival. However, as I 've repeatedly notified VSAC, I am full-time student as the student national clearinghouse reports until XXXX 2016 with {$0.00} in annual income. Regardless, VSAC requires this form be completed every 3 months for this loan only, while other loans do not require this. This puts an undue burden on the borrower, and requires that I continually call into VSAC every 3 months to go through the same process repeatedly, increasing the likelihood of missed and/or late payments on my part. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently received a mortgage modification decision from my mortgage servicer ( Bank of America ) after 4 months of making trial payments to qualify for a mortgage modification. I had requested a mortgage modification after inquiring about not being able to refinance my home loan due to the property value being less than the mortgage I was paying. ( Under Water Homeowner ) The decision I received in the settlement from BOA reduces my mortgage {$350.00} per month and the interest rate changes from 5.25 % to 4.375 %. However, the term of the loan is now going to reset to 30 years and way they are lowering my payment is by taking {$40000.00} of principal out of the home loan and putting that amount at the end of my 30 year mortgage as a balloon payment that must be made to HUD. I can not afford the mortgage currently and I can not refinance the loan because I have no value in the home, so what makes BOA think I will have the {$40000.00} balloon payment at the end of my 30 year term and not offer me any other solutions other than a " take it or leave it '' deal? BOA is not offering any relief other than moving some of the money around to make it look like the payment is smaller, but in reality I still owe this money on a home that is currently worth LESS than my loan. I qualified for all of their criteria for assistance and what they are offering me is a dead end in my eyes. BOA never disclosed any of the information about a balloon payment as a modification solution when the assistance process started. Had I known, I would have refused this assistance and requested other options. I feel this is deceptive on their part and not cooperative with me, the consumer. I also want to note that I was current on my home loan at the time this started and BOA suggested this in order to help with a refinance and instructed me NOT to pay my current mortgage once the modification process started. I feel like I 've been railroaded into a situation that I wo n't be able to find a solution. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is admitting that they screwed up. XXXX has been updated and my credit score has been repaired. XXXX is still showing errors. Should be receiving paperwork from Wells Fargo on XXXX/XXXX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE Finance. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom this may concern, This is my third attempt to try and resolve my issues with US Bank outside of the court system. US Bank is reporting me to XXXX even though they said, : " If you pay the amount off in full, we will update and remove you from XXXX. '' I have over a dozen calls logged to US Bank along with some letters. In addition, because I opened my account online, I did n't have a home branch to work with, like the US Bank representatives requested I did. My last letter from US Bank referenced " fees '' after I expressed that I felt I was charged in excessive. Per the letter, each branch will have " fee '' brochure available in the lobby. After visiting the XXXX XXXX, Ca lobby ( pictures attached ), I was unable to locate them. SO, I was never provided the fees nor does this branch have them available, at the time I visited. If US Bank is not going to remove me from XXXX 's I would like to know why since the transaction was under {$100.00}, but I paid over {$200.00} in fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent the company Credit Bureau Associates several notices to advise them they are trying to collect on a debt I no nothing about. 

What I find immensely frustrating is that I have sent them several letters in this regard and they continue to ignore me and report the unknown account on my credit but it reads on my credit " creditor can not locate individual '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my mother had an equity loan with suntrust bank which at the time me and my wife co sighed for with her payments we always being paid my mom passed away we continued to pay my wife was in a car wreck which put her out of work we owned another house that we sold split the money up to catch up on payments went to suntrust to make payment the teller refused it said they turned it over to collections they said it is now a mortage i tried to work with them for a loan modification after months they refused said even if i paid the rears to catch up they show no records where we co sighed also paymet would go from {$400.00} per month to {$1200.00} i had to send moms death certificate and show i was in charge of her estate i am on XXXX and this loan is not the first mortgage i am trying to keep my home and put both loans together seems like i can not find any help i really want to keep our home 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection Services Inc. has been reporting debts to the credit reporting agencies that I have no knowledge of. And when XXXX of the XXXX finally fell off my report due to the age of it, they re-aged the debt and it showed up on my report again. This re-insertion caused my credit score to drop over XXXX points They supposedly verified the debts with the credit reporting agencies, but did not supply me with any proof that the debts are mine. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Double-billed for XXXX transaction by Dillards, XX/XX/2006 & XX/XX/2015. 
Transaction # XXXX. 
Payment deducted from credit card ( {$100.00} ) on XX/XX/XXXX Payment pending ( {$100.00} ) for XX/XX/XXXX. 
Informed by Dillards that pending transaction would be nullified on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: They keep calling and telling me that they are attempting to collect a debt. My credit is perfect and I do not owe any outstanding bills. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I received a letter of collection from ERC, this past week, stating I have an outstanding balance with XXXX XXXX XXXX of {$820.00}. I have NOT received a bill from XXXX, for ANY balance. Because of a prior complaint, I filed with CFPB XX/XX/2015 with XXXX and XXXX, I have taken a look at my credit report, I do not at this time see any collection attached from XXXX or ERC. collection. 

XX/XX/XXXX, I did have to file a complaint with CFPB against XXXX and XXXX XXXX, XXXX who had placed a collection of over {$400.00} dollars on my credit report. I did not receive any bill from XXXX. after receiving explanation back from diversified thru CFPB, this was recently removed in XX/XX/2015, from my credit. I had spoken with XXXX XX/XX/XXXX, prior to the other problem filed about XXXX and was told I have " No balance with them. '' I do not have XXXX or any XXXX, listed in my name that I am aware of. Also due to the breech with the XXXX my social security number or other personal information may have been compromised. 

I would like CFPB to look into this with XXXX and ERC. I do not feel this is my bill. I have NOT contacted ERC because I am concerned, as too their legitimacy. I Do not want to continue to be harrassed by XXXX or any of their collection agencies. This is not my debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am late on my Auto loan with Regional Acceptance Corporation ( Phone : XXXX ) www.regionalacceptance.com, They are calling several times a day, often before XXXX, and frequently back to back calls or 3-4 calls within 15 minutes of each other, in addition to emails, despite my having contacted them and making payment arrangements. 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved out of an apartment but the gas bill was not transferred correctly to the new tenant. As I had moved out of state, I received no bill for the months that the service was being billed incorrectly to me. I had no idea that the mistake had occurred for over a year, when I received a call from Source Receivables credit agency notifying me that they were attempting to collect a debt. I initially spoke with XXXX ( employee ID unknown ), who told me that if I paid in full that day the issue would not impact my credit, but that if I chose to wait and dispute the claim with the gas company it might negatively impact my credit. I chose to pay the claim in full to avoid potential consequences to my credit. I left the call feeling as though this was a positive encounter. 

A few months later, I came to learn that the claim was still showing up on my credit report despite my having paid it in full, and that it was negatively impacting my middle credit score. This was surprising to me, as I had been told by Source Receivables staff that the claim would have no impact on my credit if paid in full that day. At the urging of a financial adviser, I called company and asked them to remove the record as the account had been paid in full. The original person I spoke with, XXXX, transferred me to her supervisor, XXXX ( Employee ID # XXXX ). XXXX was extremely rude and aggressive on the phone and told me that he would not remove the claim under any circumstances. When I asked for more information about what would be needed to have this record removed, he would not provide me with more information. When I asked to speak with his supervisor, XXXX refused. When I inquired about the company 's grievance process, XXXX refused to provide information about this process. 

I feel as though was lied to by Source Receivables staff about how this information would impact my credit, and then was denied access to critical information about how to file a grievance against lying, rude, and aggressive employees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had healthcare medical insurance which healthcare provider did not bill correctly for. I attempted to explain this to the credit agency and they were not understanding of the matter. Over the past month the collection agency " California Business Bureau '' has reported negatively to all XXXX major credit agencies. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My daughter attempted to pay off her student loan on XXXX/XXXX/2015 using the " current amount '' on the Sallie Mae website. The account has a daily accrual rate but nowhere on the payment site ( i took screenshots ) does it state that this is really not the " current amount ''. We later found from " escalation department supervisor - XXXX '' that the " current amount '' is simply the last statement balance amount. 
To complicate matters, Sallie Mae, withdrew the amount out of the wrong account which of course created insufficient funds fees and of course more accrued daily interest. 
The possibility of selecting the wrong account was entertained by Sallie Mae. However, paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount, " current amount '' and pressed pay and confirm. 
Although the amount of interest is not even close to the payoff amount, it is still her hard earned money ( plus {$30.00} ISF charged to her mother and I ) plus an additional {$45.00} in accrued interest. 
After 4 phone calls the problem is still not corrected, her loan still not paid, due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering, as of XXXX/XXXX/2015 how many kids this has happened to and how much extra money Sallie Mae has collected when the consumer gets frustrated and just gives up. 
The consumer of Sallie Mae is encouraged to use auto debit ( website ) however this access method is not accurate and misleading. Consumer beware! 

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