AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us 2 weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I used Transunion 's web site on XXXX XXXX, 2016 to get my credit report. They asked me to create an account and in the process to provide them XXXX credit card 's full details. I thought it was for the purpose of establishing my identity. 
As it turns out they charged the card {$1.00} for a service that I was not aware I was getting. NOWHERE did I see any message indicating that there will be a charge of any sort. I was basically charged without me being aware that there is any charge. This is outrageous and a deceptive practice. 

I called them to complain and they said " no refund ''. I ended up disputing the transaction with the credit card company. 

On a side note : If I legally deserve a free credit card report once a year, is there a reason why a clear way to get it is not provided on their web site? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We bought a mobile home in XXXX Id. They would n't let us see the place till we signed all the paperwork. No cell phone service or land line.They knew about XXXX XXXX medical condition needing a phone.There was holes in the skirting. Also air was in water lines.The kitchen sink jump all the time and had to try to start it a couple of times to get water. We had satellite tv and it would come up no signal. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Have applied for a Modification due to loss of earnings and have been denied. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am enrolled in a equity accelerator program. In XX/XX/XXXX I refinanced my mortgage with PMAC. In XX/XX/XXXX the mortgage was transferred to Finance Of America for a sort duration. I was told that Finance of America took over the day to day operations of XXXX. In XXXX XXXX the mortgage was transferred to XXXX. XX/XX/XXXX a payment was mistakenly sent to PMAC instead of XXXX. The check was received and cashed. I have been working with no success to have the payment sent to XXXX as my mortgage is lagging a month behind, and I have been reported to the credit bureau. Finance of America is telling me that they are researching the issue, but it has over five days and every day I call and every day I am told that there is no update. I am very frustrated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Valley National Bank informed me that the interest only period would end XX/XX/XXXX. 
Payment to go from XXXX to XXXX ( or there abouts ). I sought their help in reaching a modification agreement and submitted their application along with all the income required documents. XXXX XXXX XXXX communicated with me several times via email with additional requests or to communicate questions. On XX/XX/XXXX, I received a denial of modification with a one line statement as to the reason : Sufficient income ... 
Using the same established means of communication, I requested a more elaborate explanation as to how they came to that conclusion. My emails went unanswered. On XXXX, I used your template to request information. I explained again, that I need a more elaborate explanation in order to have a chance at an appeal. As of today, nothing has been received. Further the above servicer will only tell me that the loan owner is a trustee with XXXX XXXX. I also asked that they provide proof of communication with that trustee owner. Please intercede. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i do'n owe any money i have excellent credit Experian keep entering out dated information on my report 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit Management Ltd has filed negative information with XXXX three times in the past three months for the same debt with XXXX XXXX. First, the name on the debt is not the same as anyone who lives here. While it is similar to my wife 's name, it is not the same name. Second, we have never been customers of XXXX XXXX. We do not live in a XXXX XXXX area. None of the false addresses registered with XXXX are the same as ours. We have lived at our current address for 32 years and do not have another address. We have never received a monthly bill from XXXX XXXX. We have never used XXXX XXXX service. This debt is not ours. We will not pay it. XXXX keeps going from one debt collection agency to another trying to collect on a debt we do not owe. While XXXX is the victim of someone else 's fraud, that does not make us responsible for the debt. We do not owe the debt. We will not pay the debt. Credit Management must cease and desist their repetitive claims to XXXX on a monthly basis for a debt we do not owe. They 're playing a game to extort money. They file the claim each month, we dispute it each month. XXXX removes the claim each month. Credit Management needs to stop wasting XXXX 's time and stop harrassing us. There is no XXXX XXXX at our address. Never has been. They need to locate the real person who ran up the debt and approach them for payment and leave us alone. 

This claim has already been disputed and Credit Management removed the claim and the false name before. They must do the same again and cease and desist from all further claims in this matter. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I 'm writing with regards to a dispute I did with Experian in regards to an incorrect item on my credit report. They came back and somehow initially not only verified the inaccurate item but updated it as me being 90 days late back in XXXX 2015. I was not even late and there was no payment history for this item yet somehow they managed to not only verify but also update the reporting as me being late!!! 

I have contacted the original creditor XXXX XXXX with regards to this item and they have no records of it, subsequently neither XXXX or XXXX has this on my reports. 

Yet again I disputed this item through the mail both detailing the fact that I could not possibly be 90 days late on an account that was not suppose to be on my record in the first place. Amazingly the account also shows that its closed with no balance and no payment history, yet I 'm 90 days past due for the month of XXXX 2015 somehow? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/XXXX I moved out of XXXX XXXX in XXXX XXXX, FL. After moving out XXXX XXXX requested fees they were not entitled to. I filed a written dispute by hand delivery, mail and email within 15 days required by statute. I included a phone number, email and address to contact me. XXXX XXXX failed to respond, rather sending the claim to collections. I found out today XXXX/XXXX/XXXX that Hunter Warfield placed a collections claim on me XXXX/XXXX/XXXX. Hunter Warfield never provided me written notice or an opportunity to dispute the claim. Both XXXX XXXX and Hunter Warfield have failed to comply with their legal requirements, have failed to respond to my dispute of their amount and have simply gone the route of trying to ruin my otherwise perfect credit. I can provide a written copy of the notice I sent to XXXX XXXX XXXX/XXXX/XXXX and if set for hearing I could provide additional witnesses and sworn affidavits proving XXXX XXXX fraudulent, bad faith claims against me. I attempted to call Hunter Warfield today, however they refused to talk to me. They ask if I was ready to pay them, I said no, I do n't owe the money I want to dispute the charge, then they hang up on me. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Fraud was reported to my checking account with USAA within 24 hours of it happening on XXXX XXXX, 2015. Failure to respond to this with any adequate security measures, led to XXXX more fraudulent transfers to occur, insufficient fund charges to happen, and returned item fees. When the checking account became overdrawn by {$4900.00}, USAA allowed my " overdraft protection '', linked to my credit card account with them, to make {$5900.00} worth of cash advances to my checking account to pay off these fraudulent transfer of fund. I am now being held liable because I agreed to have the USAA Credit Card be my overdraft protection and because I stated that I may have been a victim of identity theft or an email phishing scam, they are making me liable. I believe there was a very convenient reason that they made this land on my credit card, instead of leaving this with the checking department to be resolved and disputed. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I was contemplating cashing in some US Savings Bonds. Went into my local Santander Branch in XXXX XXXX and the manager went on line, pulled the values and I then selected several bonds to redeem based on the info presented. I redeemed XXXX bonds out of XXXX for {$1700.00}. The amount was put into my account and all was fine. 1 week later i received a call from the manager that there was an " website system error '' and that the bonds were only worth {$750.00}. Before I could get there, they went into my account and took back the difference. I asked for my bonds back and was told your out of luck. When i showed the Santander printouts to my tax person he confirmed that there was no website error, the XXXX pulled the wrong screen. The values she pulled were for final maturities not current value. Based on this I am out 4 % bonds and the majority of the money was taken back. Santander has been bouncing me around different people with no resolve. Everyone makes a mistake, they need to admit the managers error and take responsibility. I have gotten responses ranging from " your out of luck '' to " You should have done more homework. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage specialist will not return my calls from wells Fargo.They seem intent to continue to foreclose without answering to my concerns .Borrowers with less of a circumstance have modified I am deserving of responses to my left messages 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted multiple disputes with Experian because they are reporting a late payment with my XXXX XXXX that is incorrect. I disputed and no change. XXXX has sent XXXX requests to change the information and Experian has not changed anything. XXXX has verified multiple times that there are no late payments on my account yet Experian keeps reporting that in XX/XX/2016 that I have a late payment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have continued for weeks calling Southwest Credit Systems to get the fraudulent account that was set up in my name cleared from collections. I have spoken to Southwest on two occasions to verify I have a fraudulent account. They have confirmed that I do have an account, every time I get transferred to the fraud department there is only an answering machine. I have left dozens of messages with the fraud department and they have not called me back. I am trying to get all XXXX credit companies to clear this collection account that was not made by me. I am unable to do so because Southwest collections will not work with me, or call me to work this situation out. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This had previously been added in my response to Case number : XXXX. 
I have just discovered, on XXXX/XXXX/XXXX, that the original case is now closed with no additional response. 
What follows is the text that was in that response which I submitted on XXXX/XXXX/XXXX at XXXX that has not been addressed. 
Note that since my complaint references my XXXX, I have now filed a companion XXXX complaint since I was not sure where the most appropriate place for filing was. 
As far as my secondary complaint, you are correct that there are other branches around. 
To be exact, there are XXXX in a XXXX mile radius of my zip code, each of those locations PREVIOUSLY had a Drive Up Window, where you could see a representative and ask a question if it was necessary to complete a transaction. 
However, at the same time you closed our branch, you eliminated ALL drive up windows at every one of those branches, there is now not a single drive up that is manned within, according to google, a 23 minute ride from my home, making a round trip at least 46 minutes, and probably much longer since there are no other drive up windows around. 
As someone who is XXXX, it 's very difficult for me to get in and out of your branches. 
If I have a question that needs to be asked, I now have no choice but to plan a 46 minute drive or park my car and then struggle to get into, and out of, your branch, this is made even more difficult by the fact that due to the serious XXXX XXXX that I suffer from, I must take XXXX to do anything, once taking those pills I can only travel locally, so making a 46 minute or longer, depending on the wait time, round trip would be next to impossible. 
I 'm sure others with XXXX would echo my sentiments on the closing of ALL of the Drive Up Windows in this area, the face behind those windows was, for many, the only human contact with the bank. 
This area was hit hard by hurricane sandy and company 's like BOA, are not doing their part to help, instead what you are doing is causing more pain and inconvenience for those local residents, and businesses, already impacted by disaster. 
This seems strangely reminiscent of the redlining that took place XX/XX/XXXX and XX/XX/XXXX, when certain zip codes were deemed ineligible for lending purposes, only now we are deemed ineligible for a drive up window, yet in well-heeled areas like XXXX and XXXX, you have XXXX branches with Drive Up windows within XXXX miles of each other. 
As a company, you should be ashamed of yourselves. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I receive my XXXX and XXXX scores for free through XXXX XXXX, which is great! However, I noticed when applying for credit that my Experian score was lower. The only way to get Experian score is to sign up for an account. They make you believe the cost is {$1.00}, but after you sign up, you are informed that it is $ XXXX/month and that the {$1.00} is for a 7 day trial. While you can create an account online, you can not cancel your account online. You are required to call. Initially the recording asks if you would like to speak to someone or use the automated system to cancel. After entering personal information through the automated system, they automatically convert you to a representative ( outside of the US ) that again asks personal questions, makes an offer to reduce the cost to $ XXXX/month for the service. It took 90 seconds to create an account and 9:39 minutes to cancel. No confirmation of the cancellation has been sent, although I have " been assured '' that no additional charges will appear. I feel that this is an incredible opportunistic and questionable means of a credit reporting company doing business. And now I am concerned about identity theft knowing that all of this information is sitting on servers outside of the US. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a personal, unsecured loan with Wells Fargo, which I paid in full well over a month ago. I have yet to receive any sort of confirmation the loan is paid, or a charge-off statement. The loan is still being reported to my credit. When I attempt to contact Wells Fargo, they advise me they have no record of me or my loan anywhere when searching by my social security number. They have intentionally lied to me about which department to speak with, about there being a supervisor in the relevant departments, and about the process of obtaining proof of payment in full. I have also been hung up on anytime that a person is unable to answer the most simple of questions, or when I ask for a person who can resolve this issue directly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Home mortgage are dragging their feet sending me modification application documents .I believe they are stalling because they want foreclosure procedings to expedite that are currently in the works in XXXX.I requested modification documents weeks ago /At this pace Wells Fargo will have received their judgement through XXXX and have foreclosed and the deed be transferred before get these documents This is purposeful and placing my home at risk 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Called today at XXXX XXXX/XXXX/2016 and requested a mailing address to send mofdification paperwork requested it was on a recorded line and the gentlemen kept stalling for he wanted me to fax I responded no I need mailing address he played games and refused to provide .I terminated call .Wells fargo continues to give borrower to buy time for the home is in land court in massachusetts and I believe wells fargo is delaying so they can buy time to obtain judgement and take my home .THIS IS WRONG AND IS A VIOLATION OF XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted Wells Fargo today and they informed me they have not received all documents for review for modification.I sent them overnight mail last XX/XX/2016 and they were received XXXX/XXXX/2016 XXXX /Yet they deny the items requested complete mind you for the underwriters.in the meantime their delay is allowing them to continue foreclosure proceding.They did this before they keep asking for documents they say will complete the process but then keep asking for more.if wells fargo keep asking for more documents outside what they original requested the IT IS TECHNICALLY IN REVIEWAND FORECLOSURE NEEDS TO CEASE.THEY ARE BEING SNEAKY .PLEASE INTERVENE BEFORE I LOSE MY HOME. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Attended XXXX University XXXX in XXXX 2014, under the impression by accepting the " financial award letter '' that my schooling would be taken care of by a student loan. However, then this past XXXX, they began demanding payment in full. Including taking my XXXX tax refund. They have now began calling from the debt collector and I have asked for an attorney to assist me. I attempted contact a couple times via email, and had no success. The latest email from XXXX, and XXXX, had been pretty blunt and straight forward a blow off. On entering the school originally, I know that other students personally had problems with Al in financial aide returning or acknowledging communication. Had I been able to affor books this last year I would have went back, but was unable to. Amen I did not. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I short sold my home a few years ago and part of the agreement with my mortgage company was that I would have a $ XXXX payoff amount that would be paid back monthly. Initially this would be paid to XXXX XXXX XXXX Bank, but last spring it was sold to Bogman Inc. When it was held by XXXX XXXX XXXX I had major issues with their billing department, so my account was not accurate when it was transferred to Bogman. I contacted Bogman in XXXX XXXX to obtain a payoff amount for this account and did not feel that the amount that they quoted was accurate due to the issue that I had with XXXX I was asked by a representative who was handling my account at the time to document my poor customer service from XXXX XXXX XXXX because numerous customers whose loans they had taken over had serious issue with billing at XXXX XXXX XXXX. So, On XXXX XXXX, XXXX, I sent a very detailed email to Bogman , Inc and part of my email stated XXXX under the circumstances, I felt that it was completely appropriate for me to refuse to pay the interest that Bogman was going to charge me for nonpayment for the period that XXXX XXXX XXXX Bank were the holders of my loan. That I attempted to pay this loan in full in XXXX XXXX, but could not obtain the correct balance information and as I had documented, I made numerous phone calls to XXXX XXXX XXXX that went unanswered. I was told that my account would be reviewed and that someone would get back to me. Needless to say, I have had to send numerous emails since XXXX XXXX inquiring about that review status of my account and no one has ever gotten back to me. Since Bogman took over my loan, I have never missed a payment ( until recently, I told them that I was not paying them until I herd from someone ) and I believe that they have just taken my payments and and applied a portion of it towards the interested, even though I stated that I was refusing to pay those. I have always been in excellent standing with Bogman ( at XXXX time they held my mortgage loan ) and they actually hold another small payoff loan that was part of my short sale agreement. I am completely frustrated that I have not received a response from anyone at Bogman. 
Thank you! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My daughter was taken to the ER by her father. I was never at the hospital. I have received numerous calls regarding a {$240.00} debt. I explained to each collection agency that called that I was not responsible as I was not the adult that accompanied child for visit. I requested validation of debt with my signature. I never received it. I checked my monitoring service and found an entry to my credit report for the debt I explained was not mine. It also states I opened this debt in XXXX. My child went with her father, XXXX XXXX, to the ER in XX/XX/XXXX. 

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