AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The Bank of America XXXX pay language is very misleading. When choosing how to pay your credit card it gives you multiple options, one option is " Amount Due '' which you would think would mean the amount you spent that month but it actually means the minimum amount. If you want to pay the amount actually due on your credit card bill you have to choose " Pay Balance '' which is confusing because this language differs from most other credit card companies. I find this wording particularly confusing. I have spoken with multiple people about this and many have had similar experiences and incurred extra fees as a result. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased our home in XXXX. Since then we have made our monthly mortgage payments ontime. We also have made additional payments every month and specifically asked for those payments to be put entirely towards principle. Every month we have had to call the company directly and speak to a representative because they have not followed our instructions. The company has allocated the additional payments to their own desires. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My XXXX previous disputes as TransUnion has considered All of them as frivolous, even with documented proof of Idenity and noterized documents with certified Letters. To this date TransUnion have not provided me with a written Letter of proof that All reported information is actually mine, instead TransUnion is relying on a third party for second hand information, never producing written proof of any signed documents with my signature on it with in a 30 day period as stated by Law ( The Fair Credit Reporting Act, ) but refuses to Totally Delete All Unverified Credit information that is not mine. TransUnion isi llegal and fraudulant reporting practices is severly crippling and hurting my ability to obtain credit with potential creditors to purchase a car or house for my family. This is disgusting and totally unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my previous account open with wells fargo for two years from XXXX, and they never used they had a right to close my account. The only reason why they froze my account was because they told me my account was compromised and they told me, to go into my local branch to open a new one. My rights have been extremely violated. Wells fargo has never given me a real reason for why my account was closed. I would like to point out why did n't they close my last account that was compromised because they said they had the right to. I was told to open one and to close it XXXX days later to only just say, they have a right to close it and leaving me in the dark about it saying they sent me a letter when in fact they did n't. And was going to let me be embarassed when i went to purchase something, that is not how you treat people. I do n't care how many rights a bank has that is not how you treat a person, let them be embarassed in public because their debit card gets rejected. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a mortgage application to XXXX. in XX/XX/2013. Part of the process is XXXX must submit toinvestor who in this case was Wells Fargo and Wells Fargosuspended my commitment. As it turns out they suspended mycommitment because they asked questions about XXXX cancelledchecks. Problem is I never submitted canceled checks with myloan application which XXXX has confirmed. Only way for WellsFargo to see the canceled checks was to gain UNAUTHORIZEDACCESS to my XXXX XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file two new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management at XXXX XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all three credit bureaus, and also to the apartment complex XXXX XXXX. Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Experian on my behalf and further investigate this matter. Thank you very much, and I look forward to your prompt attention to this matter. The letter from XXXX that states they have deleted this remark is also attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a refinance and XXXX XXXX said I needed to have an item cleared up on my report. The item was a credit card with XXXX XXXX with a XXXX '' designation, meaning designated user. The report showed it was included in an XX/XX/XXXX bankruptcy and the info was verified on XX/XX/XXXX. I looked at a copy of my bankruptcy filing of XX/XX/XXXX and it showed XXXX XXXX 'multiple accts ' but none of them were as 'designated user '. That account belonged to XXXX XXXX and I was a designated user XXXX for a car rental, then removed. I contacted the Cr Bureaus XX/XX/XXXX and requested this info be removed from my credit report. I received a response stating they had verified it. I then requested they have XXXX XXXX provide the complete info for the XXXX '' card including who designated me as a user. I never heard back and the info remains on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I checked my credit report on Experian XXXX weeks ago and noticed that they are reporting negative remarks on XXXX of my student loan accounts almost XXXX years AFTER it was paid in full and closed. It was paid in full and closed in XXXX of XXXX, but on my report they had an updated remark stating that it was a " collection '' as of XXXX, which is not accurate. I felt it was hurting my score so I disputed it as incorrect information. 

When the dispute came back Experian updated it as a " collection '' current as of XXXX of XXXX, and because of that my credit score took a XXXX point drop after the result of the dispute of the XXXX accounts. In the eyes of FICO, this is considered a new negative account. As of now I 'm paying, from a credit score prospective, for these negative accounts XXXX! They are not set to fall off until XXXX, so it 's not fair I get hit with score penalties XXXX. I 've come a long way and to be penalized a XXXX time is not fair, but more importantly, not accurate. 

So out of frustration I called Experian and spoke to a lady who said that is incorrect on my report and that they ca n't report an account as a collection XXXX years later after it was paid and closed. She stated that she would re-dispute the accounts because that is not correct. She assured me it would be fixed this go around in disputes. She did also say the reason it was being reported as such is because that is all the information they have ( which again is not true per my report from XXXX ). So I called XXXX and spoke with their credit reporting department and a gentleman told me that he will send correct information to Experian to alleviate this error. 

This morning the XXXX round of disputes came back and my scores took another XXXX point drop. This is beyond frustrating because this is now a XXXX time I 'm paying, score wise, for a negative account which accounts for a XXXX point drop in my FICO score for an error. It 's simply not correct. I 've exhausted all avenues with both the loan provider and Experian ( XXXX ) to correctly report my accounts without resolve. There is nothing more frustrating than having proof that this is incorrect and nobody does anything to help correct it. I 'm hoping this with get resolved with CFPB. 

I am uploading the current report that I received from the dispute as of this morning ( XXXX/XXXX/XXXX ), along with my report from XXXX of XXXX showing the accounts were paid and closed at that point in time, and also a letter directly from XXXX as of last year ( XXXX ) stating the same exact thing as my XXXX credit report. Experian did not take any regard to this letter, or their own report I sent them from XXXX. 

As far as the outcome I 'd like it to be reported correctly. In other words have all XXXX accounts last reporting mark as of XXXX and nothing on my report for the last XXXX years. 

Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: The information still shows that I went Bankrupt. It has been way .... over 7 years. It needs to be removed because of the Statute of Limitations. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our company XXXX, XXXX doing business as XXXX completely reinstated Bank of America Loan # XXXX on XXXX XXXX, 2015. Two months and XXXX days later on XXXX XXXX, 2015 Bank of America racked up {$990.00} in foreclosure attorney fees which they are now trying to charge us for. Why on earth would Bank of America hire a foreclosure attorney right after we completely reinstated the loan? We have yet to resolve this issue because Bank of America refuses to waive the {$990.00} fees and will not tell us why they wo n't other than " internal policies ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted CITIBANK after receiving my XXXX consumer report and seeing several fraudulent account inquiries. I explained that I have had a case of identity theft and that I have already set notifications with the Credit Bureaus, XXXX, XXXX, as well as filed claims with multiple banks and filed a police report. 

She was unable to transfer me to the Debt Solutions division of the bank. I asked her to please close the active account immediately, as it is fraudulent and I do n't want it to affect my credit. She stated she would connect me right away with the right department to close the account. I offered to provide all necessary documentation to do so, so she could close it herself. 

Instead, she asked me to please hold and I was transferred to the XXXX. She did not close the account nor agree to investigate the fraudulent account after being made aware of the identity theft. 

I would like the account ( s ) closed and situation resolved immediately. There were XXXX credit inquiries made from XXXX and NY branches and I was told there were active accounts in my name. Whether checking accounts, savings, or credit cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received several more calls from Capital Management after I told them not to call me and the debt is not mine. I have not returned any of the calls to XXXX. This is my second complaint against this company. You contacted them but there is obviously no resolution because they continue to harass me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: STELLAR RECOVERY/XXXX has consistently troubled me over a debt of reported {$860.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

STELLAR RECOVERY must delete erroneous information from my credit report with deliberate speed. 

Thank you! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I used to be a subscriber with XXXX in the past. I have since cancelled my subscription with them in 2012. my agreement with them did not include payment of termination fees. They put the sum of {$280.00} XXXX amount owed to them in my credit report. They have been recycling this in my credit report for some time now. They once took it out and re-reported it again. This is fraudulent and I want it removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a follow up to case # XXXX. Due to a serious medical hardship we have fallen behind on our mortgage, exhausted most of our saving and our credit rating is severely damaged. We have been able to secure a reverse mortgage to save our home however the loan does not cover the balance due. We are able to bring approximately {$10000.00} in cash to closing so that the reverse mortgage and cash covers the principle balance, even this is difficult for us. We have asked Bank of America to write down the accrued interest and penalties so that we can save our home. They say that this will not fit within their investor guidelines and their only options are a short sale, deed in lieu or loan modification. In the XXXX XXXX cases we would lose our home and in the XXXX case there is no guarantee that we would qualify or be able to afford the payments. We have a short time to take advantage of the reverse mortgage and pursuit of a modification risks losing this opportunity. BofA says they want to help people stay in their homes but they are unwilling to help us. It seems that since we have equity in our home they would rather take it away from us through foreclosure, short sale or deed in lieu. We do n't know if there are government programs that assist older people like us who do n't have time to recover income, savings and credit ratings or go out and get a new job. The reverse mortgage is our only hope. We feel like we are being discriminated against because none of the solutions offered help older people like us who have equity in their home but fell behind due to a temporary hardship. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America closed my accounts without reason or explanation I 've been a customer in good standing since 1990 and am willing to give any information that will help to get to the root of this unfortunate error. I treat my relationship with the bank with great respect and also am a XXXX for many branches in XXXX XXXX. This situation is very important for me to resolve.. Thank you, a XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I put in an offer on a house which was accepted on XXXX/XXXX/2013. I had already been pre-approved by Military Family Home Loans ( co-owned by XXXX and Wells Fargo ) who was the originator of my loan. I had to constantly re-submit requested documentation due to dealing with " XXXX underwriters ''. Additionally, I was never presented with the closing paperwork prior to actually closing on my house. The closing date was set for XXXX/XXXX/2013, and as of XXXX the night before we still had not received the closing paperwork or final amount needed for the down payment. On the day of closing, the paperwork was finally received shortly before closing at XXXX, and I come to find that my monthly payment was increased to {$1700.00} a month, approximately 11 % more than the original {$1600.00} I was quoted in the Uniform Residential Loan Application/HUD. Upon calling my loan officer, I was informed that the underwriter made a mistake regarding property taxes, and there was nothing she could do. Therefore I had no choice but to close at that time, or risk losing the house. 

Company response: Company chooses not to provide a public response
Consumer complaint: Homeowner XXXX XXXX accepted terms of a permanent loan modification with Select Portfolio Servicing ( " SPS '' ) on XXXX XXXX, XXXX. ( See Executed Loan Modification ). 
XXXX XXXX continued to make mortgage payments in accordance with the terms of the recent modification agreement until he received notice from SPS on XXXX XXXX, XXXX informing him that an Annual Escrow Analysis review determined an overage in XXXX XXXX escrow account and that his new monthly mortgage payments would be {$770.00} as of XXXX XXXX, XXXX. ( See Escrow Analysis ). In XXXX XXXX XXXX XXXX began making his mortgage payments in the new amount determined and in accordance with the XXXX XXXX notice until XXXX XXXX when he was made aware that SPS had not been applying any of the mortgage payments made since XXXX. IN XXXX XXXX, XXXX, inexplicably, SPS then unilaterally unmodified the loan. ( See Billing Statement ). SPS should have honored the terms of the Loan Modification Agreement and should have accepted the adjusted payments remitted based on their own escrow analysis. 

XXXX XXXXFind all supporting documents as a single attachment enclosed. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Is there a past due balance? 

If so, why? 

Is this account current and in good standing according to PennyMac? 

I see the principal balance did not change from XXXX XXXX XXXX 's XXXX 2015 principal balance from XXXX 's Principal Balance even though XXXX 's payment was posted. 
XXXX 's ( XXXX XXXX XXXX 's XXXX Principal Balance XXXXPennyMacs XXXX Principal Balance : XXXX 2015 yearly escrow need funding? 


2015 Yearly TAX Escrow : {$740.00} a year. {$370.00} X XXXX XXXX XXXX XXXX : {$1200.00} Yearly escrow for home insurance and taxes : $ XXXX so ... .. how much do I pay towards escrow and how do I pay? 

Thank You, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been working diligently over the last 6 months fighting accounts on my report that do not belong to me. On multiple occasions, I have received appropriate responses from the bureaus and the creditors. On almost as many occasions I have not received the appropriate response or investigation. I have even had to file previous complaints with your agency against creditors due to their unfair and illegal practices. You have been very helpful and I have achieved the desired results due to your investigations. Thank you for this On this occasion, I am contacting you about the three major credit bureaus. As stated earlier, I have been working diligently to ensure that accounts that do not belong to me are removed from my report and what I do owe gets resolved. over 2 months ago, I sent out disputed to all 3 major credit bureaus for a total of 3 accounts that do not belong to me. Each particular account is only reporting to 1 bureau. They have yet to respond to my initial dispute nor the re-dispute I sent 28 days ago since I had not heard back from them. 
The accounts on my report that do not belong to me are as follows. 

XXXX XXXX XXXX {$210.00}. Experian OnlyAcct #? 

XXXX XXXX {$120.00}. XXXX XXXX Onlyacct #? 

No name XXXX literally no company listed on the report XXXX {$54.00}. XXXX Only. 
acct #? 

I know that these accounts can not be verified and they should not be on my report. Especially the account on XXXX. How can they verify something that does n't even have a name? Please assist me in getting the bureaus to do their job properly and remove these unverifiable accounts. I am in the middle of escrow and these are the only things holding me back for the last 60 days. Literally {$390.00}. I could n't even pay all of them if they were actually mine since they do n't give me the name of the {$54.00} creditor. How can they report accounts like this? Thank you and I will await your timely response. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a local call today from Source Receivables Management ( Source RM ). The caller brought up information regarding a debt from XXXX XXXX XXXX. I had no knowledge of this debt and the caller requested that I make a payment today. There has been no verification of this debt nor have I received any documentation from the company by mail. After conducting personal research I realized that this company is trying to re-age a debt that has ran the statute of limitations. This debt has been removed from my credit report as of XXXX/XXXX/2014. I am filing this complaint due to unscrupulous business practices and lack of ethics. No action can be taken on this debt and I need the phone calls to cease immediately. 

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