AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: It has to do with a hospital payment of over {$1200.00} I should not owe. I XXXX back when I was in XXXX school. I know my parents did not finish paying the bill. Once I turned XXXX I am assuming the responsibility was moved from my parents to me but why should I be charged {$1200.00}? I found out was I tried to obtain a credit card but was denied to many times. As a current college student, this has affected me greatly! I should not have to owe anything but the worst part is that now only could I not get a credit card but my dad 's credit was also ruined. Basically, this has affected both of us and why should I be affected when I did not do anything wrong. My dad agrees this should have only affected him and not me in anyway and wants to remove that bill from me and move it towards his account. I want this bill to be removed as fast as possible because it is crucial for me right now to be able to obtain a credit card. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Freedom Mortgage increased my monthly payment stating I had a XXXX deficit in my escrow account in XXXX XXXX. I refinanced my home with them in late XXXX of XXXX. Since then, they have been unable to give me a clear explanation of why they increased my mortgage. 
after speaking to several representatives, it was determined that my insurance was n't paid although it was included and confirmed in the XXXX statement from American title company. I notified Freedom mortgage of this and they said that when they made the payment to the it created a deficit in my escrow account although they collected for the payment in the closeout. I 've been unable to get them to resolve this and every time I call, I 'm, switched between XXXX to XXXX people and have to re-explain my issue every time with no results. Surprisingly enough, my payment is near the same amount as it was before I refinanced a year later. No one can explain that either. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015, I submitted a dispute sheet to Experian with several items of disputes. On XXXX XXXX 2015, I received a letter from Experian claiming that they have determined that my disputes were not sent by me. The disputes have been tagged as " suspicious '' and " fraudulent ''. They furthermore claimed that they will not be initiating any further disputes based upon what they have determined as suspicious correspondence in regards to my initial disputes. The Experian letter disclosed a phone number to discuss the problem with a representative. I called Experian and spoke with a representative. This person echoed the verbiage in the letter that was sent to me and would not remove the red flag, thus denying me investigation of my disputes. The representative insisted that I give the dispute information over the phone. I refused to do so because I want a paper trail of my disputes. Subsequently, before I received the denial letter from the 1st disputes, I sent a 2nd dispute sheet on XXXX XXXX, 2015. According to Experian, any subsequent disputes will be discarded. I am attempting to improve my credit score. Several years ago, I was a victim of ID theft. There was a report filed with the XXXX XXXX Sheriffs. Since then I 've seen items that I 'm not familiar with, therefore I 'm exercising my right to dispute those items that I 'm not familiar with. Please enforce Experian to honor my disputes and investigate. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a emergency, I have been trying to make payment on my loan since XX/XX/XXXX, USBank said loan was turned over to foreclosure, and they gave me a lawyer name, they did Not have the account, they did not receive the account until XX/XX/XXXX, they mailed a letter on XX/XX/XXXX, I have since been calling to pay, and now they have sold the loan, bank bought it!!! I have been trying to pay this and it has been a nightmare, now they have a real estate company trying to sell my property, also from the time the attorney recieved the foreclosure to the sell was less than 45 days. I need help saving my son 's home! We mailed documents for the bank to mail info to my house, and to call me. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there. 

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 rec 'd a letter stating that as part of a lawsuit my second mortgage was being forgiven by Bank of America. It was to be effective XXXX 2015. The account has been removed from my banking and I do not have access to it anymore. However, I called to get a letter of release in order to sell the property and I was told I would have to wait 30 days. I waited more than 30 days and called back. This time I was transferred to a nthe new department. This rep stated that there is a 90 day waiting period before the letter of release will be mailed. The 90 days expired XX/XX/XXXX. I called back and was advised that this letter of release could take 1 week-10 months to receive! The property is currently under contract to be sold and we can not close until this letter is filed. It has taken over a year to get a contract on this property and we do n't want to lose this buyer. If we can not close with this buyer we will be forced into foreclosure! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX {$4000.00}, HomeDepot {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TRANS UNION HAS BEEN NOTIFIED ON XXXX/XXXX/15 THAT I AM A VICTIM OF IDENTITY THEFT AND THAT AN ACCOUNT WAS OPENED AT XXXX BANK THAT IS NOT MINE. THEY HAD DELETED THIS ITEM BUT IT HAS REAPPEARED ON MY CREDIT REPORTS. I HAVE SUBMITTED TO THEM A POLICE REPORT REGARDING THIS MATTER. 

Company response: Company chooses not to provide a public response
Consumer complaint: So Experian fixed the account I have been trying to get them to fix for years. YEAH! But in the process they took several account that I had with XXXX and posted them all as discharged in BK Chapter XXXX. 
These accounts where paid off long before I even filed for Bankruptcy. How if they " verified '' the information, could they have possibly been informed by XXXX that they were discharged? One of them was paid in full a whole 8 years before I even filed for BK! I suggest Experian actually investigate this matter. They are in so many violations of the FDCPA I do n't know if I should laugh or cry! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: not to long ago before i moved back home to Florida i closed my account with bank of america. When i decided to reopen an account with another bank such as XXXX XXXX i was told that there was a problem with my account and the problem was that there was fraud on it. A while before that i had lost my wallet while i was still in California and i recently called my old bank ( today XXXX/XXXX/XXXX ) to make a claim about the situation, they told me that i should call the police department and make a report about losing my belongings XX/XX/XXXX. My everything was inside my wallet including my social security card, High school information, my address, and a few I.D pictures of myself and also my online banking information which included my log in info to my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed XXXX XXXX, XXXX, and XXXX XXXX since XXXX of XXXX. I recently disputed a Bankruptcy on my credit profile XXXX/XXXX/XXXX, which I have not received notice that this entry is being investigated. I am a victim of identity thief and want these items removed. I have asked Experian to provide verification documents as of XXXX/XXXX/XXXX for XXXX XXXX ( XXXX accounts ) and XXXX XXXX. They have failed to provide such documents. Then, they allow XXXX XXXX XXXX ( collection agency for XXXX ) to post an entry on my credit profile, even though Experian removed XXXX. 
I asked this credit reporting company to provide me with documents to how these entries are " verified '' and remain on my credit profile. Under FCRA section XXXX XXXX a ) ( XXXX ), a consumer has the right to ask for validating documents within 15 days of an item being disputed. Has it not been more than 15 days? Have I not previously asked Experian to provide me with documents to support fraudulent entries on my credit profile? It has been going on 6 months since my disputes began, and I am still struggling to get an answer, documents, or removal of fraudulent activity on my credit profile. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am filing a complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section XXXX XXXX XXXX ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: hunter warfield has contacted my wife 's parents multiple times as well as my brothers mother in law try to get in touch with me, after we contacted them and gave them updated information ( i.e. address, telephone, and email ) we have requested a detailed bill explaining why i have an outstanding balance, and have never received it. last time i talked to the guy 1. he was a XXXX and questioned me as to why i needed a bill, and 2. i told him we would n't be paying anything until we got the detailed bill. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Dear Sir or Madam, I received a collection later from XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. 
I responded back to XXXX XXXX XXXX XXXX on XXXX by registered mail ( delivery proof attached ). I explained that the accounts listed are already paid in full as agreed and attached copy of checks paid to XXXX XXXX clearly mentioning the billing account number and final payments. 
XXXX XXXX XXXX XXXX. never responded back to debt verification request. 

I checked my credit report on XXXX and found that XXXX XXXX XXXX XXXX has reported XXXX accounts in collection. I reached out to all three credit agencies multiple times with all payment documents but still see these derogatory listings on my credit report. Every time, I sent the communication to credit agencies XXXX XXXX, XXXX, XXXX XXXX they responded back with 'debt verified ' response. 

I look forward to getting the justice in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank has taken an overdraft out of our checking account and that has caused an overdraft and left a negative balance of {$80.00} and on XX/XX/XXXX16 our XXXX payment was returned to them unpaid.I went to use the debit card at XXXX this morning and it was rejected and I came home and checked the account online and there was an item presented to the bank and they had taken out the {$120.00} and I spoke to a person at the bank and she said that the overdraft protection was for the debit card and I said no as they did return an electronic withdrawl from the same company and put back the overdraft money and service charge. Now they are still charging us the service charge on our own money. We had stopped the over draft protection in XXXX of 2016 and this was for all transactions. I will attach a copy of my bank statement to this complaint and I need to have some action on this as the bank is telling us that they can change there agreements without telling the consumer. I feel that they need to return the money and not take the service charge as we had stopped the over draft protection in XXXX of 2016. 
XXXX2016 Overdraft Returned Fee Waived {$36.00} {$120.00} XXXX/XXXX/2016 Overdraft Returned Fee {$36.00} {$84.00} XXXX/XXXX/2016 Returned Electronic Withdrawal Wi XXXX XXXX {$120.00} {$120.00} XXXX/XXXX/2016 Monthly Maintenance Fee Waived {$8.00} - {$4.00} XXXX/XXXX/2016 Monthly Maintenance Fee {$8.00} - {$13.00} XXXX/XXXX/2016 Electronic Withdrawal Wi XXXX {$120.00} - {$4.00} XXXX/XXXX/2016 Debit Purchase -XXXX Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was in the military from XXXX. While in the military I got an auto loan from Coastal Credit LLC. They sent a complete copy of my contract to My command master chief before I was ever even late on a payment. After this when I was late on a payment they decided to send letters to My commanding officer informing him that my account was past due and giving him all the account details. When I got out and moved back to Michigan my truck was repossesed in the middle of the night and I was told by coastal credit and the repo comany that I could not get my Items back unless I paid off my balance. They then sold my truck which had a XXXX value of {$9000.00} for around {$4000.00}. 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: My mortgage was sold from XXXX to XXXX over a year ago now, my payment for XXXX 2015 was sent to XXXX, but was never forwarded or returned to me. I have called both PrimeLending and XXXX for resolution and they continually give me the run around, I have multiple tickets in with XXXX regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, PrimeLending is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at PrimeLending that the truth is they would never do anything about it. Essentially XXXX and/or PrimeLending is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have paid my bills and they are still showing open 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit report that do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid off and closed account with XXXX XX/XX/XXXX. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid off and closed account with XXXX XX/XX/2015. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX ( XXXX ) first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Trans Union says XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? First with the first missed payment and second for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I previously submitted a complaint, which is unresolved, regarding several watch warranties purchased over a year ago. The watches were all recently sold and no longer in my possession, some kind of refund should be issued. I have receipts for all four warranties purchased and refund policy pertaining to warranties is not listed anywhere nor was it disclosed at time of purchase, contrary to what Zales and Citibank claim. Their thirty day return policy pertains to store merchandise, not extended warranties such as these. I have an email from Zales stating to take receipts to local Zales store for full refund and also spoke with a rep named XXXX who also stated the same and even called the store to advise them to issue full refunds. He spoke with XXXX, store manager who got approval from district manager. The case number for this incident is XXXX, the total paid for all four warranties is XXXX. A XXXX dollar gift card was offered by XXXX XXXX in executive office, however, this does not even remedy matter as it is a portion of what was paid. The store was unable to issue refunds as their system is new and would not allow it, their POS ( point of sale ) computer is new and the transactions are over a year old. XXXX referred the case back to XXXX XXXX and left notes to issue a refund in form of a check because system would not allow credit back to credit card. Please advise Zales/Citibank I need a check in the amount of XXXX to resolve this. Complaints have been filed with Texas Attorney General, XXXX XXXX as well as Connecticut Attorney General. I have also forwarded information to Attorney XXXX, a class action attorney for possible suit. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is on my credit report. I do not know what it is for and question it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was late on my mortgage payments and decided to sell my property, however I have a XXXX tax lien hold that I have been trying to clear form IRS as a lien hold on my house, NOW that I have finally fixed the issue and have a buyer that will buy my house AS IS, the lender Wells Fargo is NOT being cooperative and taking too long for the process plus they have put me in FORECLOSURE status and NOT willing to extend my DUE date of XXXX XXXX 2016 ... On top of HOLIDAYS!! 

Company response: Company chooses not to provide a public response
Consumer complaint: After recently pulling my own credit report, I found that XXXX XXXX Bank is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period. 

Company response: Company chooses not to provide a public response