AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I rented a apartment from XXXX which required the tenants to use their power & water XXXX XXXX. The original lease agreement states that all bills to XXXX must be satisfied in order to close out the lease for the apartment. I closed out all my bills and did a final walk thru with no worries. Several months later I received a call from National Credit Systems INC saying I owed XXXX XXXX. This is a total scam. My balances have been closed out but these crooks keep trying to say I owe money. I have been dealing with this for years. these people are crooks and are tied into the scam with the apartment complex which does n't even exist anymore. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had closed an account with Bank of America well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing! 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked XXXX XXXX XXXX XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about Bank of America but are not Bank of America themselves. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am respectfully requesting your assistance with my bank, Citibank as my requests for assistance are being ignored. XXXX opened this account originally i used to have my cancelled checks returned to me, which all of a sudden stopped. I then requested and received copies of cancelled checks which also stopped without any explanation or reasoning. I disputed and protested this stoppage but nothing came of it. I have since requested copies of cancelled checks and have been told that they can be retrieved online, however because Citibank blocked our access to our account before retrirving these checks i once agsin requested copies and have yet to receive anything from Citibank. I can not begin to tell you how extremely frustrating and aggravating this ordeal has been because i need copies of my checks and payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was with XXXX XXXX XXXX, which I complained about because they withheld too much money in my escrow account. Then, in the middle of my complaint, they switched my account over to Specialized Loan Servicing LLC ( " SLS '' ). SLS was supposed to give me back a {$5100.00} dollar overage in my escrow account that they inherited from XXXX XXXX XXXX. They sent me an annual escrow statement that was supposed to have a check attached. There was no check attached. I called them. They said they were putting a stop payment on the check. After waiting and waiting, I called them on XXXX XXXX, 2016 and they told me the check was sent on XXXX XXXX, 2016 and to give it some time to arrive. I called them again on XXXX XXXX, 2016, and this time they told me that the check was sent on XXXX XXXX, 2016 and to, again, sit tight and give some time for the check to arrive. I 'm worried I 'm not going to see the money at all now. They 're already 2 months behind on giving me more than {$5000.00} THAT BELONGS TO ME. They do n't have any evidence ( tracking number or otherwise ) that they actually mailed the check out. With all this hoopla, you would think they would send the check in a manner that is designed to ( a ) insure that it arrives to me ; and ( b ) in a timely manner. But they didn't/do n't. I want the money that belongs to me and they 're not allowed to hold on to my money and keep giving me the runaround when I call them. This is ridiculous. I was forced into SLS 's hands by my previous mortgager -- I would NEVER want to do business with SLS. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We refinanced our home and closed on the financing XXXX XXXX2015. Our attorney has her bank statement showing the wire was sent and posted on same date.We have numerous letters in our possession. Wells Fargo collected two months of XXXX Mortgage Insurance ( total of {$530.00} ), XXXX for XXXX and the other half for XXXX. Letter from WF dated XXXX XXXX. 2015 states that only XXXX check for Mortgage insurance was forwarded and the other not paid out. After not hearing from WF i sent a letter Dated XXXX. After XXXX telephone from WF employees,, i wound up with XXXX different stories and non made sense. They are refusing to issue os a check for {$260.00}. They said that that amount was included in our escrow check, but it wasn't.We are retired a couple living on a fixed income and the money means alot to us. No one should go through what we have gone through the stories told by the XXXX employees involved.Please help us. Thank you. we have full documentation on this matter. Please help us.Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: - A XXXX office erroneously sent a debt i never owed to a Quantum Collections in XXXX XXXX, NV - When XXXX tried to collect this debt i told them that this was an error and to contact the XXXX XXXX 
- The XXXX office told them that this was indeed an error and to remove the collection from all credit reports. 
- Quantum agreed to remove this collection but never did - Quantum proceeded to report a collection to all three credit agencies - I have a perfect credit report other than this XXXX collection - I have attached a letter from the XXXX office admitting to the error and asking for any investigators to call them for verification. 
- Quantum contact info is Quantum Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: my husband had a XXXX XXXX XXXX and I needed to remodify my loan my husband who was the bread winner of the family would n't be able to work any more and we were living on my XXXX/ of XXXX a month we went from XXXX to mine over night. I filed they said to skip three months I was learly but I followed the instructions to the letter and they put our home in foreclosure and we almost lost it I called and wrote senators and govenors and even the president they a even tacked about XXXX to my loan after about three months of doing this,, this was wrong and needless and needs to stop, it was citi mortage account XXXX why is this happening to people? and can we get the money they conviently took from us my husband died XXXX XXXX and the stress of this did n't help I sold my home and moved to XXXX where I have just file a complaint with XXXX,, 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had nothing but frustration with XXXX but on XXXX XXXX, 2016 I attempted to use the online payment system to pay my mortgage. The system said my loan information could not be processed. I contacted XXXX this morning, XXXX XXXX, 2016 via telephone and was informed that as of XXXX XXXX, 2016 my loan has been transferred to Loan Care, LLC. I asked XXXX when and how they notified me of this. They had no record of when the letter was sent, they just claimed they would have sent a letter 30-45 days in advance. I have received absolutely nothing relating to this from either mortgage company. I was given a phone number for Loan Care, LLC but there is no way to speak with a representative to obtain my new account number. Again, absolutely no notice, and no information from EITHER company. I very carefully check my mail and have a locked mailbox. They have no record of the letter that was supposedly sent. 

Company response: Company chooses not to provide a public response
Consumer complaint: We appreciate your help with this matter. The bank involved is BB & T branch located at XXXX Ky. XXXX. We have a business check card connected with the account. We went over the amount of funds in the account. The amount that was overdrawn was {$8.00}. 
There is no overdraft protection associated with the account. We feel that since the business check card is a visa, they should be able to not allow the card to be used and go over the amount of funds in the account. BB & T bank continues to add fees to the {$8.00}. 
As of XXXX/XXXX/16 the amount of fees added is {$220.00}.! We emailed BB & T bank to request closing the account and that we would send them the overdrawn amount of {$8.00}. They replied that we could not close the account until we went to the branch in person to do so. We sent another email explaining that we had moved out of state, and that it would not be possible to go to the bank in person. In the meantime BB & T bank continues to add their fees. We hope that you may be able to help us and that they will change their business check card policy. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, Equifax, and Transunion credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I ran into some financial trouble many years ago. I have made monetary restitution with everyone involved. Except XXXX XXXX XXXX XXXX wo n't fix the account reported on the XXXX XXXX? This is killing my credit score. I have mailed letters and proof to them many times, yet, they just continue to violate many of the FCRA laws. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern : Again we write in regard to unauthorized communications dated XXXX XXXX, 2016 and XXXX XXXX, 2016 received from SPS - Select Portfolio Servicing ( attached ). 

Please be advised that there is no debt owed to SPS or obligation incurred by the Complainant to SPS. SPS has made up an account is fictitious and fraudulent. SPS has failed to validate any debt as previously demanded by addressees. SPS has admitted to Complainant that SPS has misrepresented an alleged debt. SPS, its successors and/or assigns have no authority to act in any capacity in this matter. 

We do not and will not engage in the establishment of escrow activity of any nature, which SPS seeks to initiate. 

Be advised that all legal and relevant property bills have been paid and will be taken care at all times by the Complainant in contract with direct vendors only. 



BY : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Regions bank is finding ways to rob consumers of their funds. I had {$46.00} in the bank when XXXX charges came through for {$39.00} & {$6.00}. There was enough funds to cover XXXX of the charges, but they charged me nsf fees of {$36.00} each for both charges. This is bank robbery but Regions Bank is the one doing it. They are finding creative ways to steal from their customers XXXX/XXXX/2016 FEE MONTHLY FEE {$8.00} - {$82.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$74.00} XXXX/XXXX/2016 DEBIT PAPER STATEMENT FEE {$2.00} - {$38.00} XXXX/XXXX/2016 CARD XXXX XXXX {$39.00} - {$36.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} {$3.00} XXXX/XXXX/2016 CARD XXXX XXXX {$6.00} {$39.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$11.00} {$46.00} XXXX/XXXX/2016 DEBIT LOAD TO CRD # XXXX {$5.00} {$34.00} XXXX/XXXX/2016 CARD XXXX XXXX {$36.00} {$39.00} XXXX/XXXX/2016 DEPOSIT DEPOSIT {$63.00} {$75.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$7.00} {$12.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to correct my credit report since XXXX XXXX, XXXX. Equifax and Experian have corrected the information. Transunion has not. I have contacted them by phone more than five times. I have also filed more than five disputes. I sent a written dispute at the end of XXXX XXXX with a copy of my mortgage bill for XXXX XXXX. I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged on XXXX XXXX, XXXX. I was and still am in the home. I am paying the mortgage on time. A manager and I contacted Transunion. The representative was told that my information was being sent to them by the manager. The representative told us that he could not continue the three-way call. The letter that was sent was XX/XX/XXXX, with a copy of the bill. By XXXX XXXX, which had not been 30 days, I received a reply that SNC had not responded to Transunion. Transunion removed XXXX from my credit file. The XXXX manager and I made the call, after I received the letter. My auto insurance is due to be renewed. They will raise my rates, because of my credit report. Can you help me with this? This is unacceptable. The credit bureaus should have to refund the money that they receive from the companies that pay for reporting. The money should be put in a fund for consumers to use, or refunded to the consumer whose credit is affected. I would like my Transunion credit report corrected to show that I am paying SNC Servicing, my mortgage company, on time, since the beginning of the mortgage. I would like a letter of apology. 

Thank you, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I moved from my old home to my new home, during the process an unpaid electrical bill was left outstanding. I was unaware of this until I received a letter regarding the debt. After careful investigation on my part I determined the debt was genuine and called them to pay it. I asked if my credit report was affected to which I was told if I paid that day it would not be. I paid the debt on XXXX/XXXX/16, I received confirmation from the debt collector and have a bank statement showing the debt was paid. I continue to get calls every day from them seeking payment. The debt collector uses a automated system that makes you jump through hoops to speak with a real person. It can take up to 30 mins or more to finally get to a real person. I have called them three times now, each time explaining to the person the debt is paid. I give them the confirmation number and tell them stop calling me. They promise to resolve the issue, except the next day I will get called again, and again. I have had enough, and I think it is time they start paying me for the time I have lost calling them back. The debt collector still claims I owe the debt as well, despite my confirmation receipt from them and my bank statement showing them being paid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Upon reviewing my credit report I noticed that American Medical Collections was reporting an account. I called them and I instructed them that I have no idea what this account was about. I advised them that I have full medical coverage and that I have no outstanding medical bills. I explained to them that I was willing to pay the amount of {$120.00} but I needed for them to remove this information from my credit report as the account was not mine. I offered to pay the account as my job is extremely sensitive to my credit report. I was instructed that they will not remove the information because I verified my address. I explained that I never received any notice or mail concerning this account. But they continue to insist that they will not remove this account even if it was an error. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans Union is not responding to investigate numerous fraudulent inquiries in my credit file that were not initiated by me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recent credit monitoring shows an account from XXXX XXXX listed as collection account, this account is inaccurate and do not owe XXXX or its third party XXXX, i hereby dispute this information and demands it to be removed from credit report, the collection agency nor tmobile has not contacted me with any proof of this debt and how they came about with this amount ... i believe only accurate report should be reported on one 's report. This report has damaged my credit and demands experian to do thorough investigation rather than sending electronic form of verification with the furnisher. I request a response from experian within 10 business days, until i pursue further action 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan is being serviced by LoanCare ( LoanCare, a XXXX company and indirect subsidiary of XXXX XXXX XXXX ). I received my first payment letter that instructed me to make the payment by check while the ACH auto draft was being set up. I made my payment on XX/XX/XXXX and then on XX/XX/XXXX they auto drafted me for my mortgage payment. I called to request a refund and they refused and said I would be always be a month ahead. They said my only option was to cancel my auto draft for XX/XX/XXXX and reinstate it in XX/XX/XXXX. I then called my mortgage broker who lodge a compliant with them. They said they would send me a check and the next thing I heard was they were wiring me the funds back. The wire never arrived meanwhile the payment was taken off my account. When I called to inquire on the wire they then said they would overnight me a check. That check never arrived. Now it is XX/XX/XXXX and XX/XX/XXXX payment is due. I had enough so I told them just to keep the funds and I would cancel my audit draft. The notice that my auto draft was in place was dated XXXX/XXXX/16 and I did n't receive it until XXXX/XXXX/16. Also I just received my tax forms on XXXX/XXXX/16 which is late. I have already filed my taxes. Based on the hold time I know I am not the only one with issues. When they processed the 2nd payment they applied it to principal and interest not to principal only. It appears their system does n't pick up on duplicate payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for XXXX {$100.00}. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee -- I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly XXXX accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual fee. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Home foreclosed upon in XX/XX/XXXX Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file XXXX10 years. did I ask how long it stays on? No I did n't. I have already complained to the XXXX for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Experian reinsertion : XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a victim of identity theft has never wrote a check anywhere in Illinois, but I have representatives from Global Payments Check Recovery Services , Inc., calling and harassing me about a debt, I do not owe. Someone has stole my identity. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: a bank that has never had a loan with with me has foreclosed on me and sold my home when they had no standing or subject matter jurisdiction to do so. the assisgnment was from bank of America to bank America using robo signers in californnia while I am in XXXX. There was a correction of deed which was not signed by me not having any authority to do so, doing illegal conversion to do so. There was court testimony by a bank employees who had no first hand knowledge with a affi\adivit of note ownership both which were heresay. the bank was requested over and over to supply a proof of claim which they did not show any transfer, chain of title, or any evidence that they were a holder in due course with any standing in anyway. countrywide securitized my note on XXXX XXXX, XXXX to XXXX countrywide series trust XXXX XXXX. They have stated in court evidencary affadivit by XXXX XXXX XXXX that they had it on that date and still have it to this day. 

Company response: Company chooses not to provide a public response