AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was attempting to access my free credit report via XXXX and requested it from Trans Union, XXXX, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking Trans Union, XXXX, and XXXX to send me my credit report, preferably online, immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Had to prepay for an appraisal In the amount of {$400.00} for a loan that I did not close on. When I asked about a refund, I was told that refunds are not given for appraisal. I than asked another lender and was told that if a loan is not closed on, I am not responsible for the cost of an appraisal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving calls for years from debt collectors looking for XXXX XXXX, XXXX XXXX, or other given names with the surname of XXXX ( I am unsure if that is the correct spelling ). I had one call yesterday and two calls today. With the second phone call today I became billergerent and demanded that I be given the phone number that this person was calling from. That demand usually is met with a hangup, but this time I was given a number and informed that the company name was Credence Resource Management. My current number was originally unlisted and I listed it again over a year ago in the false hope that these calls would stop. I did state to the individul who called that if they would google the number they would see my name and not the : XXXX '' and that I would be filing a complaint. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX obtained a copy of your EXPERIAN Credit Report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX via phone, letter, and contacting Experian requesting to provide me the physical evidence ( documentation ) that confirms I authorized XXXX to run my credit with Experian 2 times. Both parties have failed to respond to my request. Copy of the letters can and will be submitted upon request. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX has repeated contracted debt collectors to collect payment for an electric bill from me. I have never lived in Texas and obviously do not owe money to a power company there. I have denied the debt multiple times and have asked XXXX XXXX to cease contacting me about this. In 2014 they apparently had credit agencies add that TX address added to my credit history. I had to report the error to have it removed. We just received another letter from a collection agency trying to collect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds 

Company response: Company chooses not to provide a public response
Consumer complaint: I constantly call this company to remove credit inquiry 's that I did not make for a credit cards and a car loan. I did not apply for a XXXX XXXX XXXX card or a XXXX XXXX credit card. I 've tried and tried to resolve this with there XXXX customer service department and to no avail nothing gets done!!!! I also have a inquiry from XXXX I did not authorize this inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to the annualcreditreport.com. to order a copy of my free credit report from all three agencies. My information is take, than I get a response from Experian. unable to supply me with a copy of my credit report at this time. I am then asked to send my request through the mail, with so more private information about me. I have received a copy of my report several years ago, but I do n't remember it being this difficult to see a copy of my report. When I call all three number associated with the credit bureaus, it is just a teleprompter of sending you around the circle where no physical person comes onto the phone. I would like to know, why I can not get a copy of my report online. If I knew what the problem was I could fix it, but if I do n't know what the problem is, I can not fix it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been receiving calls from XXXX XXXX XXXX for some time now. They call not only the number I gave you but others as well. However since you 've asked me not to supply you with contact information in this statement I will not list them. 

They claim they are collecting from checks from XX/XX/XXXX and XX/XX/XXXX. I have asked them on numerous occasions not to call me anymore. They still continue to call me. Furthermore, not only do they call me still, they call me upwards of 10 times a day. I have printed out my call logs as proof. 

Besides the fact that they are obviously harassing me, I have also been hung up on in the middle of the conversation only to be called right back within minutes. I 've even been called by a supposed supervisor named XXXX who told me she heard the harassing phone calls and would rectify the situation. Well they never stopped. Some of the representatives who called me are named XXXX and XXXX. I never get a last name. 

At this point I am filing this complaint as I am an informed consumer. it was n't but 90 days ago where I had completed services with a credit consulting firm and they informed me of several laws regarding collections. I 've read the Fair Debt Collection Practices Act and I know that they are not allowed to harass me. Besides the fact that the debts they are attempting to collect are not legitimate as I have contacted the banks that the collection agency claim the checks originate from, I know that the XX/XX/XXXX date they gave me make the debts past the statute of limitations for suing and credit reporting. Since they have now been informed not to contact me anymore and they continue to do so they are in severe violation of the F.D.C.P.A. Please look into this as this company should not be allowed to collect anymore. Who knows how many people they have conned through their illegal tactics. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a XXXX and a XXXX mortgage on my primary residence. At some point, the loan was sold to Bank of America. In XXXX, I paid-off the XXXX mortgage in full. XX/XX/XXXX, I sold my home and paid off the XXXX mortgage in full. The problem is that the escrow company is holding back a sum of money equal to the XXXX mortgage because Bank of America refuses to send a letter of satisfaction regarding the XXXX mortgage. The dozen or so times that I have waited on hold, and endured repeated transfers, Bank of America can only tell me that they are not sure why the system wo n't send out a letter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company is by far the worst company ever, they are very rude, not helpful, and causing stress to my already stressful life. I called this morning and I spoke with a rep. by the name of XXXX, she was so nasty and rude to me it was unbearable to even finish the conversation, she called me a liar and stated that they are not removing anything off of my credit. I explained to her that the item is incorrect and that it 's been removed off of my XXXX report, so why is it so hard for it to be removed XXXX, she told me that she doesnt have anything to do with that and does n't care and that her company will not be removing anything. I 'm very upset about this issue. I will be hiring an attorney and we will be pursing in a lawsuit against this company. I do n't want any more harassing phone calls about this debt that is n't mine. They have caused great harm and embarrassment, contacting family members, non-family members and my job. I 've asked them several times to not contact anybody in my family, job, etc. and they continue to do so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX uses Certegy Check Services, " Certegy '', to provide a recommendation to process a check for deposit. Every month, for over 12 months, I have written and deposited a {$100.00} check into my sister 's XXXX account via remote deposit. This month, due to a computer algorithm that no one understands, Certegy recommended to decline my check for deposit, twice. Upon calling Certegy ( call reference # XXXX ), and providing approval as the payee, the company has no way to override a computer decision. There are more than enough significant funds available in my account, and I 've written the check and given my approval for deposit, yet Certegy is allowed to reject transactions without manual override. As a payee, I feel that Certegy has no legal right to reject a transaction against my account that I explicitly approve and have sufficient funds for. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I believe that the timeline is officially over on the account in reference, and that the Consumer Financial Protection Bureau must be part of this process. I am also submitting a hard copy dispute to both the creditor and Experian. There is no other option at this time but a complete removal of the referenced account permanently. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This complaint is connected to # XXXX, # XXXX, & # XXXX. Last week XXXX/XXXX/XXXX I did submit a complaint to Wells fargo about disputing the fact that there are errors on my statements. I 've waited 11 months to get a written copy of my alleged debt. And have found some questionable transactions. I 'm submitting one example right now. Page XXXX of the customer account activity statement. Last line, XXXX/XXXX/XXXX amount received {$1000.00}. Then page XXXXof the XXXX. line XXXX amount received {$130.00}. Ok I paid {$1200.00} on XXXX/XXXX/XXXX enclosed a copy. Then line XXXX amount received {$2200.00} on XXXX/XXXX/XXXX ok I 've enclosed a copy. I see a payment was paid the rest to unapplied. Then paid another payment line XXXX with {$84.00} going towards late charges or outstanding fee balance then line XXXX {$170.00} Applied to principle. But then line XXXX, XXXX, XXXX, XXXX it says payment reversal. Why? Then line XXXX says non-sufficient funds reversal. Then line XXXX return item fee. Ok I do n't know why Wells Fargo took my money back. There was no way my check bounced why is that it 's because Wells Fargo was the one who wrote us a check from our restricted escrow account in the amount of {$9900.00} I 've enclosed a copy of XXXX/XXXX/XXXX statement showing XXXX that money was released. I 've enclosed a copy of the disbursement check voucher from when we received it. So, what happened to my money. Do you realize that that was the very beginning of that loan modification and right from the start I thought my money was being applied correctly. And feel it has not. Then line XXXX it looks like a payment was paid but in date due it says XXXX? XXXX, XXXX, and XXXX should have been covered. It 's should say XXXX date due. So, if I 'm incorrect please explain my statement. I did ask last week that if Wells Fargo seriously feels there 's no error I 'll hire a lawyer, but if maybe I 'm right and my alleged debt should be looked at and explained the errors I have found, we can talk the only reason I cease and desist Wells Fargo was because I wanted my debt in writing and I now have it. Also I 've also asked if you could stop, postpone, cancel the auction right now at this moment being bid on line. The auction last weekend was difficult for me and my family to go through and here it 's happening all over again. I 've gotten a 3 day eviction notice, and unable to stop all this. I will sign a revised loan modification only if my account is reviewed. I would also like a written copy of my restricted escrow account started back from XXXX when we purchase the home. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The lender I was going through pulled my credit to start the process. Then again 3 months later due to them dragging their feet on closing, then again 2 days later only to deny my loan due to me being a contract worker. That fact was disclosed to them in the application. I had to supply them with letters of good standing in my company. Sign and send numerous copies of full disclosure, bank account records, payoff statements, taxes for 4 years. All of which they asked for over and over again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We refinanced a house in XXXX of XXXX. Our Bank of America mortgage was sold at that time and the account closed. As of XXXX XXXX they are still reporting late payments. The account even says closed XXXX. We discovered this in XXXX of XXXX and asked them to accurately report. They have not done so. I am trying to purchase a new home and this is still an issue. They wo n't return calls or fix the issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To Whom It May Concern : I 'd like to report a CRA/UDAAP issue with my credit card account from Bank of America as they have operated in a practice that is deceiving to consumers. As a consumer, I have a XXXX % payment performance and have never missed a payment in my life on anything. With Bank of America, I had a closing date on my credit card of XXXX/XXXX/2016 and I therefore paid my bill on XXXX/XXXX/2016 via electronic transfer from my checking to credit card account. In addition, I paid extra during the month to make progress on paying down my debt. Instead, Bank of America credited my payment to the previous month ( not quite sure why ) so by being proactive and paying the date following my closing I was penalized. They have offered to waive my late fee but reported that this will be transmitted to the credit bureaus which I will be disputing with the credit bureaus. My goal is to have this noted and to have an advocate as I seek to adjust my credit bureau reporting. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a collection that 's been showing on my XXXX and Transunion report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or Transunion, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family. 

Company response: Company chooses not to provide a public response
Consumer complaint: HARD INQUIRIES : I 've been through this before with these XXXX. This has to do with recent complaints against XXXX XXXX XXXX. In closing out my line of credit ( my choice ) and in lowering my line of credit limit without telling me just 1 business day before I CLOSED ALL XXXX XXXX ACCOUNTS, I have been through this multiple times with XXXX XXXX. Two years ago they HIT HARD INQUIRIES ON MY CREDIT REPORT 5X for just a small line of credit. I complained to the CEO. Off course that took me to the CEO 'S TEAM in Arizona WHO ALSO HIT MY CREDIT REPORT HARD INQUIRIES. I have NOT applied or requsted anything from XXXX XXXX. I am ONLY GUILTY OF VOILA! ... wanting to pay off my bill with them and close account due to their poor business practices. Since I have CLOSED MY ACCOUNT WITH THEM MISQUOTING MY FINAL BALANCE DUE, WHICH WAS WRONG, NOW THEY OWE ME MONEY, I AM TOLD XXXX XXXX HAS HIT MY CREDIT REPORT 2 HARD INQUIRIES. I applied for nothing. HAVE THEY HEARD OF SOFT INQUIRIES? Apparently not! I WANT THESE INQUIRIES REMOVED IMMEDIATELY FROM ALL CREDIT REPORTS. Credit reporting agencies DO NOT GIVE CNSUMERS THE RIGHT TO DISPUTE THESE. THIS WAS DONE FOR MEANNESS AND MORE ANGST. THEY HAVE SOMEONE HERE THAT DOES NOT SING THEM PRAISES, BUT WILL TAKE STEPS TO PUT THEM OUT OF BUSINESS AS FAST AS I CAN. 2 TIMES AND MY CREDIT REPORT GOES DOWN XXXX POINTS. TAKE THEM OFF XXXX XXXX. I WILL REPORT YOU TO THE BBB FOR IMPROPER BANKING PRACTICES,, THE FDIC FOR IMPROPER BANKING, AND I HAVE REPORTED YOU HERE. I WANT MY MONEY YOU HAVE BACK IMMEIATELY IN OVERNIGHT MAIL AS I WAS IN AND PAID CASH. THAT IS NOT GROUNDS FOR A HARD INQUIRY AND YOU DID NOT HAVE MY PERMISSION. In tthe past, I dealt with XXXX XXXX of XXXX XXXX Exec Branch in Arizona. They even hit all HARD INQUIRIES. I WANT ALL REMOVED AND I WANT THEM REMOVE NOW. I WILL THEN REPORT EACH INDIVIDUAL CREDIT BUREAU FOR PUTTING THEM ON. I never requested another thing from XXXX XXXX and want nothing but the money they overcharged me on XX/XX/XXXX to close my account and each day they keep it, I want interest that they charge me daily added to it. RETURN MY MONEY. REMOVE HARD INQUIRIES OFF MY CREDIT REPORT. YOU ARE NASTY NASTY PEOPLE. THE PEOPLE ARE ON TO YOU!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Fairway Collections LLC and XXXX XXXX, Attorney at Law in XXXX WA have been attempting to collect a debt from a former employee of my small business. XXXX I received and returned paperwork asking me to garnish her wages. It was clear in the papers that she was not eligible for wage garnishment as her salary was too low. I hand delivered those papers to Fairway Collections. 
Awhile later, I received a collection notice telling me I had been turned into collections for {$1400.00} as the agency had been to court and got a judgment against me and my husband ( which will be on our credit report for 10 years. ) We never received any notice of a hearing, so we were n't able to defend ourselves. We have now been summoned to a hearing on XXXX/XXXX/XXXX to appear in court to " answer questions concerning their/his/her property. '' They are requiring us to bring 5 years of tax returns, an itemized list of records of all accounts receivable, earnest money receipts, deeds, mortgages, appraisals of any property we own, bills, cancelled checks, bank statements, and savings programs, certificates of stocks, financial statements delivered in the last 5 years, and evidence of any credit cards of lines of credit. 
They have also said if we do n't appear they will issue warrants for our arrest. 
Keep in mind this is not, nor never was our debt. It was incurred by an employee that does n't even work for us anymore! Also, she incurred this debt years ago, long before she was our employee. Further more, she was not ever eligible for wage garnishment the entire time she worked for us. I have been clear with Fairway Collections Agency about all of those things, and yet they are coming after us and threatening us with court and jail time. It 's ludicrous. 
I have had to seek help from my accountant and attorney to fight this unfair and irresponsible collection effort. I ca n't believe it could possibly be legal. I feel they have been very intentional about keeping information from us. The first request for information came certified mail and I returned it. Now they claim to have sent a second request for our employee 's wages and a hearing notice, but by their admission, neither the second request or court papers came certified. Also, they send everything in unmarked envelopes. IF they sent them, they would have been delivered to whichever XXXX was working. I never saw anything. I would like to see some action taken against this company as I have heard from several people in my community who have had similar experiences with this agency after going through it myself. 
Also, in researching XXXX XXXX 's ( Fairway Collection Agency 's attorney ) address online, I discovered he has already been disciplined by a state licensing agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: US Bank has closed XXXX accounts and XXXX out the credit limit on XXXX other credit card accounts and has confiscated about {$9000.00} worth of reward points without warning. No letter has been sent advising reasons for the closure. Repeated request for comment by the company has been left unanswered. 

Company response: Company chooses not to provide a public response