AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have disputed the accuracy of information reporting regarding bankruptcy XXXX that appears on my report. Specifically, information related to the status of the case, the claim amount, etc. is not reporting correctly on my reports, and is not accurate in documents currently on XXXX as changes were made to the bankruptcy after XXXX of 2011 when TransUnion shows the date paid.. 
In the past TransUnion has stated they verified information regarding the bankruptcy with the furnisher of information. I asked who that furnisher is and TransUnion advised they use data from public records and consumer reporting agencies. I called TransUnion and asked again who specifically verified the information and they told me the bankruptcy court. I contacted the Bankruptcy Court in XXXX XXXX XXXX and they told me they have not verified anything regarding this bankruptcy case to the credit reporting agencies, and that it is not their policy to do so. I called TransUnion again after the Bankruptcy Court advised me of this and was told that TransUnion uses a variety of methods to verify the integrity of the data being reported, but was never told who specifically verified the information. 

I want TransUnion to verify the information with an actual person at the bankruptcy court and to provide me the name, address, phone number, and date they actually verify this. If they verify it with a source other than the court tell me exactly who it was verified with. 

Company response: Company chooses not to provide a public response
Consumer complaint: there are inaccuracies in my credit report and transunion euqifax and experian refuses to dispute them any further 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In late XXXX, I applied for a membership in Navy Federal Credit Union because I am an XXXX of the XXXX XXXX. I planned to obtain a promissory note to purchase a used vehicle. A few weeks after they approved me for membership over the phone and sent me a promissory note and security agreement, I was unable to log into their website to view my account. After speaking to several representatives, I learned that I needed to " verify my eligibility '' by submitting documents proving that I am in the military. When I asked them why I did not receive an email or phone call informing me of this issue, I received no explanation, but I was re-granted membership in the credit union. Then, after driving the car for an entire month, I learned from NFCU that because I purchased a salvage title vehicle ( it is a theft recovery with no history of collision ), a fact which I did not hide from them and which was freely available to them on the state 's XXXX XXXX search website, my loan would be converted to a " signature loan, '' and the interest rate would go from 5 % to as high as 18 %! I asked why they missed the " salvage '' brand in the title search, but they told me it was my responsibility to inform NFCU and that I was lucky enough to be paying the lower interest rate until the loan is converted to a signature loan. A representative pointed me to a sentence buried in the middle of a paragraph on the XXXX page of the security agreement that I signed to justify this interest rate hike. It reads : " The owner ( s ) will maintain property insurance on the collateral covered by this Security Agreement against loss and damage with a collision deductible of no more than {$500.00}. '' He told me that this sentence justified NFCU retroactively hiking my interest rate because buying a car with a salvage title constituted breach of an agreement to maintain insurance on the collateral. I have insured this vehicle through XXXX, and their representative informed me that I had collision insurance up to the vehicle 's value. I did not realize that a salvage title would severely reduce the vehicle 's value, but I also did not nor do I think that this sentence in the security agreement or any of the statements made to me before I purchased my vehicle justify the interest rate hike that NFCU is trying to impose on me. In my opinion, the fault does not lie with an unsophisticated consumer, but with an enormous banking institution that failed to do its job by giving easy credit without doing its due diligence. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America foreclosed on my home and sold my home in XXXX 2014 without having my ( PROMISSORY NOTE ) @ the time sale.I later found out that they broke the FEDERAL LAW and I lost every thing.I need LEGAL help with a BREECH of CONTRACT that they did to me.They even took my ESCROW account away from me also. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: " Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Traded an online friend for a game and he never held up his side of the bargain and took my money. Essentially scammed me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My bank has been changing the order transactions come in so that they are able to charge additional overdraft fees. I have a branch manager that has been helping me to credit each time but this is now the XXXX overdraft fee they attempted to charge. A recent example is I had my direct deposit go through this morning and the rent check that was deposited yesterday after business showed that it came in before the direct deposit and a {$36.00} fee was charged. 

I do n't keep a lot of funds in this checking account as there is no interest for having it there. Therefore ; I monitored my accounts daily and as of XXXX yesterday ; they account had {$300.00} available. The next morning I looked and noticed they jumped the rent check XXXX-XXXX transactions down along with the overdraft fee. This has been happening a lot more recently and needs to be investigated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Servis One Inc dba BSI Financial and XXXX Mortgage increased my monthly payment without cause or reason. They decided themselves that my property taxes would be increasing in 2016 even though the County Treasurer has not issued tax bills for 2016. They arbitrarily selected an amount of {$1200.00} as my new property tax amount and said I had an escrow shortage of {$1500.00} as a result. My monthly payment was increased from {$670.00} to {$890.00}. I have made 5 attempts to contact them by telephone without success. The recording says they are experiencing an increased call volume and disconnects after 15 minutes unless a voice mail is left. I have left 3 voice mails and my calls have not been returned. 
Next, the recording says " Under Federal Law we are required to inform you that BSI Financial is attempting to collect a debt and any information obtained will be used for that purpose. '' My account is not past due and is not is collection process. I am calling them to question my account. They are not calling me. In the past when I have reached a real person this same statement is read to me. I am calling my mortgage company, not a collection agency. None of the mortgage companies I have had in the past use such a derogatory statement. I find this offensive and believe it is unlawful for them to make such a statement when I am initiating the call to my mortgage company. 
Third, all of the tax payments that have been made on my behalf from my escrow account have been paid late. As a result I have been assessed interest and late fees by the County Treasurer. These fees have been paid from my escrow account. This company has tarnished my credit rating by paying the tax bills late and has mis-used my escrow account by taking the late fees and interest from my escrow account when in fact they were at fault for making late payments. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have been in a debt since XX/XX/XXXX paying mostly interest charges so I joined national freedom relief XX/XX/XXXX. XX/XX/XXXX, I was served papers at my work for XXXX of the cards.. I found out that they only worked on XXXX out of the XXXX cards I put in, and in that process their fee was {$2500.00}. I was so angry and upset. On XXXX XXXX, XXXX, I made an agreement with XXXX of {$100.00} a month to be paid on the XXXX of every month. I tried to make the next payment and they are saying that the agreement was for {$200.00}. I tried to explain that {$200.00} is too much. Of course they do n't care and told me that I have a judgment against me from XX/XX/XXXX..and now I broke the agreement. I explained that I had told her {$100.00} and theyre telling me I said {$200.00}. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have submitted a workout package to The Source Money the servicer of my mortgage on XXXX/XXXX/15. After 2 months under review they are telling me that they can not do anything for me. I am a XXXX and I XXXX which left me XXXX from doing my job. I used my sick time, vacation time, but I have run out of it. My family is willing to help so I can pay my mortgage at least {$1200.00} per month for the next 3 months. After that I will be going back to work. The representative at the loss mitigation department XXXX XXXX is not helping and he is very aggressive. stating that it is not their problem if I can not make payment. I never planned to get sick while working. It is my full intention to keep paying my home. But I need some help. XXXX XXXX stated that because I have an FHA loan it is very difficult. I just need a break while I am getting better. I submitted them a copy of my doctor 's examinations that I am XXXX, I am recuperating slowly. Please help me. 

Thank you, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a complaint with CFPB and Bank of Amerca has modified their response with more information they failed to disclose at any previous time and altered the timing of their actions to better support their explanation. The Bank 's responses are factually incorrect. Further, they have ignored providing the information which speaks to actual events. This information is available but Bank of America will not address the information because it will not support their explanation. This complaint is a new complaint which states Bank Of America has changed facts, failed to provide information in support of their actions, and is dishonest in addressing complaints. This complaint speaks to the CFPB ability to protect consumers when the bank alters the information to cover up their errors. If this kind of behavior is left unchecked no consumer will be protected. This kind of action will actually create a bank more likely to abuse consumers. A bank confident that they can act in whatever fashion that suits them because no one can create any penalty or harm. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We leased printers from US Bank. US Bank Equipment Finance continues to bill us for months past the lease and refuses to provide return instructions until we paid for months for which we were not contracted and did not use the equipment. 
We sent our termination letter in XXXX XXXX as the contract prescribed. The contract terminated on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, US Bank has still not provided return instructions as the contract prescribes. 
US BANK - XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Fax : XXXX Tel : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I can not pay with my debit card to pay monthly payments. It requires a checking account number and routing number. Check have become obsolete. I gotten hit with multi late fees because I move money from bank to another. I feel this is done to make it difficult for a customer and get charge with a late fee. I asked to have XXXX waive. I thought I paid my card in full. I had a XXXX balance I was going to get hit with another late fee. I was told no. I ask the agent twice to have a manager review my request. Then the windo chat was disconnect. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/2015 I worked out a payment plan with XXXX XXXX so I could pay off a delinquent amount owed. When the Rep first told me about their generous payment plan option she told me that they would waive all late fees, interest and annual fees to help me pay off the balance if I agreed to terms that they would directly tap my checking account for a set sum every month for a year. The problem is when I asked how this would affect my credit report she said she did not know. I had to work out something so I took the offer. Now however I have some debt I truly need to pay off including XXXX XXXX and want to refinance my mortgage to tap my home equity to pay it off once and for all. The problem is that I just learned through applying for a refinance that my FICA score is so low due to XXXX continuing to report that I am delinquent. When I spoke to XXXX Customer Service a few weeks ago, they told me that they were aware that any of their payment plan options on my card would, in fact, affect my credit since they do not attempt to adjust for the acknowledging the payment plan I am on. My complaint is that the original Rep did not reveal this to me. If I had known this at the onset, I would have immediately worked to refinance XX/XX/XXXX before my FICA dropped so precariously low. I feel the original Rep was deceptive in not properly investigating internally how her own company would handle my credit reporting. And, they wo n't send me the transcript of the original Reps ' call with me either, which I feel further proves they are hiding behind what was not said and should have been. Now not only am I prevented from getting out of debt and paying XXXX off sooner ( to their own disadvantage I might add! ), but I am financially strapped until this XXXX debt is paid off this fall. I can not wait to do this as I am getting into deeper debt every month as my other credit card bills continue to mount with interest. The ONLY one reporting me delinquent is XXXX -- every other card issuer and bill payer I am on time. This is serious for me. Can you help get them to eliminate the delinquency reporting so I can get my FICA score back on track to get a refinance and pay them and other creditors off? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am requesting the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 
( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 
For the City of XXXX XXXX Accounts # XXXX, # XXXX, # XXXX # XXXX each time I dispute theses accounts the company respond " Please contact credit grantor at XXXX and ignores the reason for my dispute. Theses accounts need to be deleted immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle from Wells Fargo in XXXX. My payments were 74 months which my car would had been paid off in XXXX. Wells Fargo state my last payment was received in XXXX. Wells Fargo states there was a balance of XXXX, but never received letter and this is now XXXX and I still have the car in my possession. Wells Fargo sold the account to XXXX XXXX, then to XXXX, and now XXXX claim they purchased the account in XXXX. I never received any mail and thought my car was paid off until XXXX someone hit my car and insurance still listed Wells Fargo as the lien holder. I called Wells Fargo and the lady was like you still owe XXXX and something, I ca n't remember the correct amount. I sent the check of XXXX from the insurance and XXXX in XXXX. Never received my title. I have a car that I do not need for some years and want to get rid of it. I called Wells Fargo for title and they said to call the people who the account was sold to. Called all the places listed in statement. Superlative wanted me to pay XXXX and I asked what happened to the money sent and told the guy XXXX, I have the receipts and need my title. Keep in mind this is not on my credit report never received mail from these people but yet they have my title. This vehicle is a XXXX in my possession and I told the guy if I still owed on this car why Wells Fargo never repossessed the car back in XXXX.I finally called XXXX back and told the guy I am seeking an attorney then he said yes a check was received in XXXX and I asked why it was not deducted from the amount owed. Keep in mind I am getting different amounts. The gentlemen at XXXX now want to investigate, but he hung up on me just as the other guy at XXXX did when I started asking about the money sent in XXXX. I am tired and just want my title because this is longer than 7 years and I need my title. They keep selling the account and no one is checking into nothing. Please help! I hope other people are not getting ripped off. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been attempting to improve my credit score. I have been monitoring my credit report via Experian. I ordered my credit report and observed that it contained some errors. I wrote the attached letter to Experian and asked them to take corrective measures. I cited each entry that I felt should be removed and also cited the points of authority that justified such action. 

I read the Fair Credit Reporting Act as well as the clarifying letter form the Federal Trade Commission. The letter from the FTC said " The commencement of the delinquency that led to the action '' I took that to mean when the first late or default on the obligation occurred. That is when the seven year clock on reporting begins/ 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The debtor called and left a voicemail. They did not disclose that they were calling about a debt and then left information regarding my personal direct deposit information without any indication of what this was about. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX - XXXX CA. 
One week into my last quarter I was called into the financial aid office and I was told that my tax paperwork had not been submitted for my Grant by the financial aid liaison that I dealt with there. That financial aid liaison was no longer employed at XXXX for me to talk to. When I approached the head of the office, she told me I had few choices. 1 ) I could pay out of pocket of the sum of over {$10000.00} or 2 ) I could get a loan direct through XXXX XXXX XXXX XXXX where there will be no interest charge and I could make payments or 3 ) I can drop out and not Finish College but I will still have all the federal students with no degree. I was not allowed not return to my classes until I told them my decision. Couple of days later, I selected to take the private loan through XXXX XXXX XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I checked my credit score and there was a debt listed that I owe Bank of America over {$3000.00}. I sent a debt validation letter requesting proof that I owe this unsecured debt. They failed to respond in the allotted time so I would like this debt removed from my account and from the major credit bureaus ( XXXX, XXXX, XXXX ) 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I requested a line of credit from XXXX XXXX and instead they gave me a second mortgage that paid off my credit cards and car at that time. This is not what I wanted. However I made monthly payments faithfully until XXXX when XXXX XXXX folded and my payment was returned to me. I made several attempts to continue paying the loan, however was unsuccessful in finding out what happened to my loan. Recently I am trying to re-finance my house and have been told that there is a lean on my property and my re-finance will not continue until this matter is resolved. I tired to contact XXXX XXXX again and was told that Value Recovery Group now has the loan, however they will not work with me. This loan appears paid in full on my credit report. I contacted XXXX XXXX XXXX, XXXX non profit organization to assist with this matter, as time is of the essence, and they instructed me to petition for assistance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have mortgage insurance on my mortgage loan and now have the funds to lower my loan to an amount acceptable to remove the mortgage insurance. I have been trying to get the mortgage company to comply with removing it but they continue to give me the runaround and will not help to get this resolved. I attempted to start this process in XXXX of 2015 and have made no less then XXXX calls to them including emailing a form document they requested to have this removed. I then called on XXXX and spoke to XXXX and XXXX ( the supervisor ) for 57 minutes before they assured me I will receive an email outlining what I need to complete so they can remove the mortgage insurance. I never got that email. I then call back on XXXX and spoke to XXXX. Again 33 minutes later she assured me she would forward my information to the loan department and I would get a call back that same day. I never got a call back. It is very frustrating as if I owed them money they would be calling me 5 times a day to get paid but because this it something to benefit me they are refusing to help. This is very unfair as I have the funds to pay in to get it removed but I can not get a straight answer. 

Company response: Company chooses not to provide a public response