AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Since XXXX XXXX, 2016 I been contacting Transunion about removing inquiries on my credit report that have resulted from Identity theft. I have contacted them on the phone multiple times and provided them with my identity theft report Filed on XXXX XXXX, 2016 but they have refused to remove the fraudulent inquiries. 
Agencies must block identity-theft-related information. FACTA adds a new section, XXXX, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumer 's identity, a copy of an identity theft report, the consumer 's identification of the fraudulent information, and the consumer 's statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ). 

XXXX and XXXX have removed the inquiries already and Transunion is the only bureau who has not. These practices by Transunion are violations of the FACTA Act regarding identity theft and I will be pursuing legal action if these fraudulent inquiries are not removed immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The debt was properly billed to insurance and it appears on credit report more than two times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The are searching for a XXXX XXXX who had this # previously. I have had the number since XXXX 2015 and keep telling them she ca n't be reached at this number but they continue to call several times a day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a checking account at US Bank. I went to XXXX XXXX XXXX XXXX XXXX, 2016. I used my debit card. After I returned to XXXX starting XXXX XXXX through XXXX XXXX, 2016 charges were made on my account in XXXX XXXX XXXX, and I also was penalized with NSF fees due to those withdraws. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I sent Trans union a dispute letter via the United States Postal Service certified mail that they received on XXXX XXXX, 2015. requesting they investigate the attached listed items. I did not receive the results of this dispute until 2 months later ( that is dated for XXXX/XXXX/2015 which is 59 days after they received my dispute ) and was mailed out 1 month later on XXXX XXXX, 2015, which I received on XXXX XXXX, 2015 ( please see post mark on envelope ) which is 90 days pass the date they received my dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX XXXX XXXX, 2015 My name is XXXX XXXX, and I am borrower for real estate closing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The closing took place on XXXX XXXX, 2015, and the closing had been delayed almost 2 months due to Bank of America loan officer and underwriter 's numerous mistakes. 
Further, although BOA loan officer has reassured me there will not be any penalties for the rescheduling of my closing, there was {$2800.00} fees on my closing which I never agreed ( see attached HUD, Page XXXX, Item XXXX ). 
No one informed me there will be " Adjusted Origination charges. '' Further, there had been discrepancies on Good Faith Estimates provided to me ( See attached GFE dated XXXX, XXXX, and XXXX ). 

1. GFE dated XXXX/XXXX/2015, there was charge of {$660.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$660.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Loan Lock Extend fee of {$660.00}. 

2. GFE dated XXXX/XXXX/2015, there was charge of {$1000.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1000.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$660.00}. 

3. GFE dated XXXX/XXXX/2015, there was charge of {$1500.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1500.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$1500.00}. 

4. On XXXX/XXXX/2015 closing, actual fee was {$2800.00}. 

Although BOA loan officer repeatedly advised me he will waive any penalties or fees, I paid {$2800.00} at the closing, and as of today, I have not received the refund check or further explanation from anyone. I hereby demand Bank of America to give me full refund of {$2800.00}. 

Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Unknown account listed I have disputed with no outcome please assist. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a previous complaint on XXXX/XXXX/XXXX with the CFPB # XXXX regarding Wells Fargo Dual Tracking my loan in foreclosure. This time I have complied all of the correspondence which proves up my position. Wells Fargo initially denied my husband and I for a loan modification XXXX XXXX/XXXX/XXXX, because of our combined income of {$22000.00}. Because of the stresses in our marriage and external circumstances we separated. I applied alone and submitted my package to Wells Fargo on XXXX/XXXX/XXXX with my income being {$6900.00} per month. In a letter dated XXXX/XXXX/XXXX from Wells Fargo they stated they were unable to move forward with my request for assistance and that they were sending my loan to foreclosure without any explanation whatsoever. In a letter dated XXXX XXXX, XXXX from Operation Reach on my behalf requesting that Wells Fargo provide a acknowledgement of the package as well as providing a decision to my request for mortgage assistance. In a letter dated XXXX/XXXX/XXXX Wells fargo sent a letter responding to the third party authorization and also stated that my package had to be reviewed by a modification re-entry, the letter also stated that Wells Fargo was unsuccessful in their attempts to contact both the third party and myself, which is false on every level. On XXXX/XXXX/XXXX, a Notice Of Default was recorded on my property still no decision from Wells Fargo Bank on my application submitted on XXXX/XXXX/XXXX. There were numerous letters from Wells Fargo requesting more time and then a response dated XXXX/XXXX/XXXX ( which I just received ) The response from Wells Fargo explained that based on my modification application and income of {$6900.00} there was not a significant change from the combined income of {$22000.00} which we were previously denied for. It appears to me that math is not top on the Wells Fargo list when evaluating for a loan modification or maybe this major fact was overlooked. The letter dated XXXX/XXXX/XXXX also requested additional items in order to review my application submitted on XXXX/XXXX/XXXX, this request comes 3 months after my loan was submitted to foreclosure and XXXX month after Wells Fargo filed a Notice of Default, and now there is foreclosure sale notice for XXXX/XXXX/XXXX, this notice I believe deterred the possible buyer as it was posted while inspections were occurring. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that Experian changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered. Experian has also " admitted '' that there was a security breach via XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage XXXX XXXX ( XXXX ). I have not went car shopping, and do n't know why it 's on my credit report. 
XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Accounts Research ( " Debt Collector '' ) had indicated their intent to file a judgment on medical bills owed by my wife and I ( " Payees '' ) of approximately {$2500.00}. Debt Collector and XXXX XXXX XXXX ( " Creditor '' ) would never provide documentation supporting this amount. 

Instead of having wages garnished, Payees agreed to an " Agreed Upon Judgment '' without verifying the debt in order to prevent embarrassment from the community as well as employers. The Payees would make an initial payment of {$500.00} and subsequent payments of {$200.00} until receipt of a tax return, at which time the balance would be paid in full. The agreement was signed by Debt Collector and Payees and notarized and presumably filed with the judgment. Even at this point, the Debt Collector would not provide documentation validating the debt. 

In XXXX 2016, the Debt Collector contacted the Payees and indicated the Payee 's insurance company had returned insurance claims, thus increasing the amount owed. Despite making payments of approximately {$900.00}, Debt Collector indicated the balance was the same as initially indicated of approximately {$2500.00} ( expected balance to be approximately {$1600.00} ( {$2500.00} - {$900.00} ) ). Again, asked the Debt Collector and Creditor to provide proof of increase and was told by the Debt Collector each were no longer required to provide proof of increase and would need to contact the insurance company. Insurance company indicated all claims had been paid. Despite this information from the insurance company, Debt Collector and Creditor were still not cooperative and have yet to validate the debt till date. 

Although the request for debt validation may have passed, the Payees have never received debt validation during this time. It is my understanding that if the Payees do not request debt validation within 30 days of the first contact, the courts will not consider you having admitted to owing the debt or that the debt is valid. See FDCPA 809 ( c ) : " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' To the Payees, proper debt validation should be in the form of documentation from the Creditor, not the Debt Collector. 

Is this not noncompliance with Section 809 of the Fair Debt Collection Practices Act? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX reported to Experian a new DOFD ( date of first delinquency ) for a negative account that had reached the 7 year date of removal, the account was removed when it reached the original date but then reinserted years later when XXXX purchased the loan. 

XXXX ( original account holder ) communicated the DOFD to the credit reporting agencies and by law, that date ca n't be changed!! The FCRA Compliance Date is the official beginning of first date of delinquency ( DOFD ) which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time you FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. 


It is illegal for a creditor or collection agency to change the " purge from '' date on a negative credit listing, causing it to remain on a consumer 's credit report longer than allowed by federal law. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. 
The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the " purge from '' date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). 

I have included my credit report pages supporting the original DFOD date, I labeled the pages ( Exhibit A page XXXX and XXXX ) I have tried to remove this entry before and Experian only comes back with " we verified the information is correct '' They have never sent me the evidence that supports the DOFD now listed on the credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Macy 's has repeatedly asked me to pay money to them that I do not owe them. I paid off my Macy 's credit card in full and they continue to add on fees to my {$0.00} balance. I had the account closed, and even after this, Macy 's claimed there was interest due on a residual amount. So I paid this amount. Then Macy 's continued adding fees onto a {$0.00} balance. This has continued for two years. They repeatedly call my parents to harass them over this " debt '' even though I have repeatedly informed them that I do not live with my parents. I have no account open with Macy 's, I have not bought anything with the card I previously had, and Macy 's continues to add on fees to a non-existent balance on a non-existent account. I have spoken with Macy 's numerous times and told them I want any account I have with them closed, and they told me my account was closed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My house payment was in the XXXX range. US BANK OFFERED A REFINANCE SO THAT WE COULD PAY OFF MY XXXX LINE OF CREDIT WITH THEM. They raised our interest rate by XXXX points. They did not pay off the XXXX line of credit that the claim I owe. My XXXX husband opened this line of credit & ai thin at least half should be removed. They face my husband ( the new one : XXXX XXXX a limited amount & only let him pay off certain debts. We now have a larger house payment, higher interest & they refuse to roll in this line of credit that 's chocking me. We worked again with XXXX at your branch on XXXX only to be turned down. Again & again we have been denied both by VA & US BANK. My husband & I have XXXX or better credit scores, decent income, own XXXX homed & XXXX cars. UsS bank prefers to leave me with their 16 % line of credit ( XXXX ) rather that roll that into our us bank home mortgage. Much more lucrative for them & they will likely end up Peking our house as they are chocking us with 7 % mortgage & 16 % line of credit XXXX XXXX ). My husband has SS & a great XXXX pension. Is his XXXX yr old age a factor? Iwe own XXXX homes free & clear & another only XXXX left on mortgage. The one we 're living in we owe XXXX thanks TO US BANK. Please advise XXXX & XXXX XXXX XXXX XXXX ( also their drive by appraisal of our home was very low -- XXXX trailer in front that blocked the homes view..! ) we are disappointed & my husband has XXXX XXXX XXXX. His stress is now enormous that 's to the lies & the " No '' s we were given. Our veterans deserve better. He has more integrity than US bank will ever know. 
Cheated out of our opportunity in XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ERC, the collection agency have sent me " an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a credit card with Bloomindales and purchased a dress. I missed the first month 's payment so was charged a late fee and interest. This payment was due on XXXX XXXX, 2015. I paid it in full on XXXX XXXX, 2015 yet Bloomingdales has supposedly been trying to collect {$12.00} from me for 6 months and filed a charge-off on on my credit report. I have received no bills, no calls from creditors, and should n't even have a balance outstanding. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I received an invoice from Macy 's American express for the amount of {$19.00}. I did not recognize the charge so, I contacted Macy 's & told the credit department of Macy 's that this amount is a fraud. I asked them to close the account ask for the credit the {$19.00} back to my account. They told me the fraud department will pursue the mater and once they finalized they would clear the mater. on XX/XX/XXXX I received another invoice showing not only the {$19.00} plus {$2.00} interest & {$37.00} late fee. I then called them again, this time they told my the fraud claim has to be in their from & in writing. about a week later they sent me a form which I immediately filled & sent to them for process. XX/XX/XXXX, I have received another invoice, this time {$19.00} plus a {$100.00} late fee & interest, a total of {$110.00}. again I called them & explained the whole story, this time they told me this mater is in process & would take about 30 days. I asked why while in process I 'm being charged with late payment & also told that this would effect my credit rating which up this date over XXXX score & spotless. They did not give me an adequate answer. well yesterday I had a phone call from a collection agency expecting a payment of {$150.00} as of now. I called them few minutes ago & told them that I 'm filing a report with your agency which was recommended by my banker whom advised me that my credit rating has dropped by almost XXXX point to XXXX +. 
I am very upset that Macy 's credit department could unjustly damage peoples credit without a solid evidence. At this time I 'm pleading with you to investigate my case and see that I have done nothing wrong & just believed in a principle. {$19.00} would not effect my life and {$150.00} would n't either. it is only admitting to wrong doing which I have not. Please let me know what can I do or how can you help me. 

Thanks 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I made a purchase under {$25.00} using my Macy 's card. The following month I paid the full balance. A few months later I tried to use my Macy 's card but was declined. I called Macy 's customer care and was told that they received the full payment, however there was {$5.00} interest fee applied after the billing cycled closed. That 's why I could n't use my card. I paid the {$5.00} while on the phone with the Macy 's Rep. She told me I had a zero balance. I said I 've been told that before, but look what happened. She stated she would note the account in case additional fees were again applied. About a month later, XXXX XXXX I tried to use my card and again was told it was declined. I called Customer Care again and found now there was a {$2.00} charge sitting on my account unpaid so the account was deemed delinquent. The Rep saw the notes on the account, apologized and waived the {$2.00} but advised me my {$1200.00} credit limit had been dropped to {$100.00}. My credit report now shows that I was 30 days or more delinquent for an amount less than {$24.00}. I 'm disputing the negative rating score. If you pay the balance, that mean 's there 's nothing left owed. You should not be surprised with a {$5.00} or {$2.00} fee after the balance was 'paid in full ' and have your credit destroyed. The most I have ever charged on the card was {$240.00} and I always paid the balances in full within 45 days. On XXXX/XXXX/XXXX I called Macy 's and verified that my balance is truly XXXX, then closed the account. I 've never had issues like this with the other Department stores I have lines of credit with, only experienced this with Macy 's. : o ( 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: inability to contact bsi 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have been applying for a HAMP loan mod from SPS representing XXXX. We submitted a full financial packet in XXXX and then more in XXXX 2015. We were approved for a HAMP Tier 1 Trial Payment Plan in XXXX 2015, but our gross income input to the NPV was significantly higher than our actual income. We appealed in writing, clearly explaining and documenting our real income. Finally, in XXXX SPS responded to our appeal stating that they had checked and they reaffirmed that they were correct in entering our gross income. They wrote that we needed to pay the inflated trial payment by the first of the previous moth, obviously impossible. 
Three days later we received another letter from SPS saying we were not eligible for HAMP due to the new NPV which showed our gross income at {$2000.00} a moth less than actual. Our new Trial Payment would be almost {$1000.00} a month more than the previous offer. Our HUD certified counselor who had been helping us asked the agent on the phone, which income was right and which was the offer being made. She ( SPS ) told us both income figures were right ( even though wildly different ), and that we no longer qualified for HAMP 1, because we had not paid the inflated Trial Payment, AND that we could no longer apply for HAMP. We would have to pay their SPS offer at over 50 % of our gross income now, increasing to 80 % of our fixed income. 
If we did not, they would foreclose. 
She said there is no appeal to errors on their part on the NPV used to determine a modified mortgage payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: One of my addresses is listed at XXXX XXXX XXXX, XXXX XXXX XXXX. Year it is listred for I was XXXX at XXXX XXXX XXXX in XXXX. 

Company response: Company chooses not to provide a public response