AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I noticed that my XXXX score reported by Experian XXXX to XXXX XXXX XXXX had dropped almost XXXX points between XXXX and XXXX ; however, I am in good standing in all of my accounts and pay my credit cards in full every month. So I called the number provided by Experian in the report to ask. The phone menu provided me options to ask about my XXXX XXXX credit report or XXXX ) XXXX score, so I selected ( XXXX ). XXXX, the female Experian employee I spoke with, repeatedly apologized and told me that they do not know anything about XXXX scores, was not sure why the option was in the menu, and can not help me or direct me to anyone who could. She could also not enter a dispute. I asked her to direct me to the Experian department that could help me. She placed me on hold to speak with a supervisor and then provided me with a phone number : XXXX. She confirmed that this was a department from within Experian who could assist me with my XXXX score dispute ; however, I called and it is a paid credit monitoring service that also is not able to help me. They advised me to find and hire a XXXX party local advisor. I believe that if Experian is reporting my score, it should take responsibility and be able to provide answers or justification on how and why a score can drop suddenly with no recent adverse activity. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have contacted contacted this company XXXX different times to forward the information to remove my PMI insurance. They said they have sent it via XXXX and also fax and we still have not received anything!!! They wanted to verify my address ... duh!!! It is the same exact address you send my bill to every month with no problem. 

It is very apparent they do not want to remove my PMI insurance as it is an extra {$1600.00} for them a year!! XXXX Awful customer service and true lack of anyone competent in the company!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I checked my credit report and found a small credit card debt with Macy 's ... but the bill was going to the wrong address. It 's gone into default. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I claimed bankruptcy last year and bills are from the year before. They should have been discharged 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This matter has been going on for more than a year. I will call Experian request that a dispute be removed from my account an agent will remove the item but it reappears on my account. I contacted the collection company that Experian indicated that keeps reporting the item being disputed which the company is XXXX XXXX. I called XXXX inform them that I was not disputing anything regarding their company. I explained to the representative for XXXX XXXX that although the item that they are reporting was not mine and I responded to the letter that was sent several years ago that it was not my account. I would not be disputing the item. The item was removed by Experian but it reappeared. I contacted Experian requested that the dispute verbage be removed and it was removed but then reappear. This issue has been going on for over two years. I called in XXXX 2016 spoke with a representative again and was told that I will receive a letter stating that the dispute will be removed and the XXXX representative said that a request would be sent to the all credit reporting agencies to remove the dispute. I receive received that letter from XXXX XXXX as the representative stated. I received update credit reports from the credit reporting agencies but Experian refuses to update my credit report. I sent Experian a copy of the letter that XXXX XXXX sent to me and Experian still refuses to update my credit report. I called Experian told to several different agents and XXXX supervisors and all told me that they could not update my report even with the documentation form XXXX XXXX indicating that the item was not being disputed. I was informed that Experian did not have to report accurate information regarding the consumer credit file, and they would not be removing the XXXX XXXX dispute from my credit file even knowing that the item was not being disputed. I referenced the letter that I had from XXXX XXXX but the agents ( XXXX of them ) and XXXX-supervisors all said that they did not have to remove the dispute even having supporting documentation on file stating that the item was not being disputed. I was told several times that Experian did n't have to report that consumer information correctly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have paid the supposed amount that central credit services claims to be attempting to collect. I have contacted XXXX to make sure that I did in fact settle all my debts to them prior to my moving from Idaho to our new duty station. Central Credit Services has now put a debt collection on my XXXX credit report. I have not ever not paid any of my bills and do not appreciate a company attempting to collect money that I have never owed. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX I received a loan from XXXX Mortgage XXXX Located at XXXX XXXX XXXX XXXX, CA XXXX. I am not sure when XXXX sold my mortgage to Deutsche Bank National Trust Co. But they end up with my mortgage without the right documentation. I was a victim of these unscrupulous practices. 

Since XXXX Deutsche Bank National Trust Co has been trying to foreclose my house. I have been requesting them, through XXXX, and now XXXX, TO PRODUCE THE NOTE and the Assignments of the loan. I have not being able to obtain NONE of these copies. 

FIRST : I want to see when Deutsche Bank National Trust Co obtained the NOTE. I want to make sure that they own this mortgage. 

SECOND : I want to see WHY Deutsche Bank National Trust Co obtained A NOTE, IN XXXX AND ANOTHER Document in XXXX. 
I have a copy of the NOTE, signed during the closing in XXXX, made to XXXX. I have never received the Assignments of this NOTE to Deutsche Bank National Trust Co. In fact, the copy of the NOTE received in XXXX, from the loan servicing XXXX, is a different document that XXXX sent me on XXXX XXXX. 

This worries me. I am very concerned. It seems to be a fabrication of a document by the legal team from XXXX. 

Unfortunately it is well known, that the banks fabricate documents to prove their cause of action. 

My home has been scheduled to be foreclosed on XXXX XXXX Please help me to make the banks to do the right thing for once. 

Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 I was contacted by a person claiming to be from a collection agency ( not named ). I did not get the name of the woman on the phone. She claimed she was calling about a past due debt, but did not provide any information about to whom I owed the debt. Instead, she started asking personal questions which I refused to answer, since I did not initiate the call and she did not provide any information to allow me to trust her. I hung up. The only information I have is her phone number and the city from which she called. The phone number from my recent 's list is ( XXXX ) XXXX. The city is XXXX, Minnesota. This seemed to be a phishing call. The questions she was asking were all information any vendor would know. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: First started receiving fake medical bills, and now threats of reporting to credit bureaus 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: want to cancel my membership and am unable to do so. I work for the Federal Government and they recommended I request a free credit report through XXXX. I signed up for through this website XXXX and did not receive any information on how to cancel membership. My bank is being charged {$17.00} a month by TU TransUnion and I want it canceled now. TransUnion said they have no record of my account but their name shows up on my bank statement for the draft. If I do not hear back from Annual Credit Report, I will report this as a fraud to all credit reporting agencies and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: PDQ Services Agency in XXXX, GA credit agency has submitted false documentation to the XXXX credit reporting agencies. PDQ lists the date of collection on all XXXX credit bureaus as XXXX XXXX. This date is inaccurate. PDQ sent the first collection letter on XXXX XXXX, XXXX with an erroneous amount owed of {$490.00}. I refused to pay the amount because it was inaccurate. I have a bill from the from Dr. 's office stating the correct amount of {$240.00}. Our medical insurance was billed, therefore, I did not pay. The bill was later turned over to collections. PDQ added this collection to my credit file at all XXXX agencies for a different amount of {$370.00} with a different reporting date on XXXX. PDQ is erroneously trying to illegally extend the period of collections by reporting the debt 2 years after the original communication. PDQ is also trying to collect more than the actual debt. PDQ sent the original collection letter on XXXX XXXX, XXXX yet I received an invoice from the Drs office on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. How can a debt be collected by XXXX different companies at the same time? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX XXXX certified that my Company downsized in 2012 and my hours were cut from XXXX hours to XXXX per week, and my Spouse XXXX XXXX was forced into retirement following and injury. Our Income was reduced and we filed bankruptcy, however, the medical costs and other obligations have depleted our savings. We have been made to feel like a ping-pong reaching out to so many Lenders, from XXXX to XXXX, to XXXX XXXX XXXX , to XXXX . Each time we thought we had a Loan Modification moving forward, a new Servicer pops up. Currently we are being service by FCI : Lender Service, and they are reluctant to review for a Loan Modification. 
COMES NOW, XXXX XXXX XXXX XXXX and file a Lis Pendens, with scheduled hearings, and the questions remains, just whom am I dealing with for answers? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a call from ERC ( collection debts company ) from the number XXXX at XXXX, they said I owe {$92.00} to XXXX and they are there to collect it. They asked me for addess confirmation, they knew my address, and also the social. When I asked what does ERC do, the lady heng up. I called twice trying to gather more information, two more guys spoken with me but it was rude and they heng me up when I stated I payed everything to XXXX by 2014. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: collectcion company calling me multiply times about my debt ..whitch i tryed to explain im un able to work due to disability..they wouldnt let me talk ..they kept trying to get me to sell something to pay my debt..called me a dead beat they dont understand i cant pay if dont have it ..had to sign up on XXXX XXXX ... i have nothing to sell im broke period..but keep telling me i need to pay my debt stop being a deadbeat..tryng to say what i owe an dont owe 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a card issued by Macy 's department store. I do n't often use the card but when I do, I pay off the balance in full. I had not used the card since XXXX, but I received a bill for XXXX demanding payment of a " fee '' of {$2.00}. I called customer service, and the representative was unable to explain what this was about, then the call was abruptly terminated. I then used Macy 's online communications form ( which, by the bye, will not accept any message that includes any form of punctuation, including periods ). I said I would not pay this fee, and demanded that they close my account. I received an email acknowledgement of my complaint, but nothing since. A {$2.00} fee for not using their card is beyond outrageous. And they will charge me a {$37.00} late fee if I do n't pay up. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Please help me ; these are just some of the debt collectors whom I do not owe money to are calling ; They demand your social security number or name and address before speaking to you then say they can not divulge any of their info or who they are ; Please keep them from calling my phone ; I have been registered since 2000 and re-registered over and over and I still get these calls ; The following numbers are ; ... XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My student loan was moved from XXXX to your UHEAA company. It was placed in forbearance for some time, then was paid at XXXX $ / month since my marriage in XX/XX/XXXX. By your policy I was to receive bill notifications, but the last received was XXXX XXXX. The email on file was validated as correct. Notifications are not present in my email nor spam nor trash folders. Yesterday, our checking account was debited the remaining XXXX without notice, overdrawing our account just prior to our mortgage payment. Complaint to your customer representatives ( XXXX, and XXXX other ) was met with policy statement of 60 days to return erroneous withdrawals. My bank takes 10 to 45 days to process unauthorized transactions, and decline of payment takes 30 to 45 days. All effort to persuade your representatives that your offical error correction policy is utterly inadequate to this specific situation was unsuccessful. It was made clear, by your policy, that our ability to pay our mortgage and other bills, and our credit rating, are inconsequential to your company 's adherence to a policy of taking 2 months to correct an error. 
As this is utterly unacceptable by any standard, this situation is being forwarded to the Consumer Financial Protection Bureau. 

XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 2015 I opened a credit card account through XXXX XXXX with Synchrony Financial. I immediately charged {$3000.00}. XXXX XXXX has continued to place charges on my account without my knowledge and Synchrony Bank is accepting these charges that put my account OVER and above the credit limit I was approved for. This has happened more than 2 times and the last was for a charge of {$2200.00} of which I had no idea about until I got the credit card statement in the mail. Separately I have contacted XXXX XXXX regarding the validity of this charge ( and replacement for a defective furniture received ). I can not understand why Synchrony would approve these charges that are over and above my approved credit limit ( which is {$9700.00} ). When I called Synchrony to report the unauthorized / fraudulent charge of {$2200.00} I asked to speak to a Supervisor. She was extremely rude and said " we can not control fraudulent charges made on a credit card ''. She refused to acknowledge that they could say NO when a charge is over and above the approved credit limit. I immediately requested my account be closed to further charges. They have since transferred that outstanding balance to a new account # and provided me with a new card ( for the new account of which I have no intention of activating ). My concern is that this amount that exceeds my credit limit is reported to the credit bureaus and will bring my credit scores down significantly since XXXX % of your sores is the ratio between your balance versus the limit. I do n't feel they are taking this issue seriously and while I have filed a fraudulent complaint regarding the {$2200.00} I am very concerned with their practices which allows XXXX XXXX to charge anything they want to a consumer credit card with no protection or consideration to consumers best interest. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is in addition to the dispute date XXXX/XXXX/2016. After reviewing all the attached documents that were sent over from BSI I realize even more how vindictive these people are. Half of the documents from XXXX XXXX XXXX were never received by us. Any time we were asked for more information/documents, it was faxed within in 24 hours. Also, the statement about not making the trial payments was because of filing a chapter XXXX which halted the whole process causing us to have to re file for modification. As ive said before. These people lie and hold back important information to make what their doing look ok. So glad someone has finally started a class action law suit against this company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of XXXX, there was a Bank of America sign up bonus for a business bank account. It included {$500.00} for signing up for the business checking account, {$500.00} for signing for for an associated business credit card within 60 days, and {$500.00} for signing up for merchant services within 60 days. For the merchant services account, I was told I would be contacted to set it up. After waiting for a month, I contacted ( via phone, email, and in-branch ) Bank of America and was told that I would be contacted shortly. After waiting another several weeks, I contacted Bank of America again, and was again told to wait. I was finally contacted by a Bank of America Merchant Services representative who told me the no-monthly fee Merchant services account that had been advertised was no longer available. I asked to speak to a different representative. I ended up calling XXXX on my own, and did end up setting up the XXXX XXXX account. 

Over the ensuing 6 months, I was charged monthly fees ( that should have been waived due to having a XXXX accounts ) and did not receive any sign up bonus. I had called, emailed, and online chatted with Bank of America many times ( more than XXXX ), and by the start of XXXX of XXXX, I still had not received any bonus. I was finally awarded {$1000.00} of the {$1500.00} total XXXX/XXXX/XXXX. 3 more calls ( each of over 45 minutes waiting on hold for various representatives ), did not result in the other {$500.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a Care Credit Card account with Synchrony Bank for medical/dental expenses. In XXXX of XXXX Synchrony Bank enrolled me in a hardship program offering me 0 % APR for 48 months at {$45.00} a month. As of XXXX XXXX Synchrony Bank has reneged on our agreement and started charging and adding interest to my account. I have called four different times and spoke to four different managers to rectify this to no avail. I have a letter from Synchrony Bank depicting our agreement and I advised four different managers of this as well. In return I was told this is my responsibility to pay with the interest. Three managers said, the interest will be removed after the bill is paid in full. How will someone know when the bill is paid in full when interest is constantly added. This is a hardship for me seeing as I am a XXXX in XXXX and I am enrolled in a XXXX program that 's based on my income to debt ratio. Adding this interest to my account will increase my debt which will wreck havoc with the XXXX program. Please help me with this as soon as possible. I should n't be responsible for the interest per our agreement as well as a written letter stating the account will have 0 % APR interest for four years. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Applied for refinance with Bank of America after being a loyal customer of over 10years. I have never missed or been late on any payments with them and the debt to equity ratio is less than XXXX. They made a mistake on other properties I own and are asking me to send information that has been already submitted prior to their mistake. They actually closed the loan refinance due to their mistake. I have answered all of there questions and sent all of the information to them, at least once. I am fed up with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received many calls from IC systems. They ask for me but I do not respond I am the person they are looking for. I have repeatedly told them not to call again but they do several times a week. they call from several numbers latest is XXXX XXXX I have blocked them each time they call but then they use a different number 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After XXXX job losses I hired XXXX XXXX XXXX to settle all of my CC debt. Synchrony Bank formally XXXX refuses to speak to any third party, so I got it set up with my debt co to allow me to settle the debt and they would send a check to them. I work during the week and the hours that Synchrony is open so having a few minutes free during a week day I decided to call them to get an settlement amount from Synchrony for XXXX to get them paid, now Synchrony is telling me I have to call back next month on XX/XX/XXXX or XX/XX/XXXX because that is the only days they will discuss a settlement, this is just a way for them to keep adding on fees, they are refusing to discuss a pay off therefore I feel they should n't even get one at this point because I 'm making an effort to do something about this when I hired someone else to take care of it and they are making a pay off very difficult to even get. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response