AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have contacted Barclays Bank Delaware on several occasions attempting to resolve my consumer complaint regarding their handling of my credit card dispute. I notified Barclay Bank on several occasions that I had no knowledge of a credit account that was showing as charged off on my credit report. they continued to report it as well as sold it to a 3rd party without initiating an investigation. In addition after reporting the account to them no less than 4 times as well as sending them written notification of dispute they continue to give the run around and extend the time of their investigation. I have requesting immediate resolution and have not received any such resolution. I continue to get the run around from Barclays Bank Delaware in my attempts to resolve this matter. The representative have cited incorrect sections of the Fair Credit Reporting Act in order to justify their actions and treatment of this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Macy reports false data to my credit report on XXXX and it is reported twice as a duplicate.. below is the history of the report, my Macys account was included in bankruptcy and should not have been reported, also date of 1st reported late payments keeps changing to favor the grantor. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice is Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 N/A XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Viewed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We applied for a mortgage refinancing with Freedom Mortgage at the beginning of XXXX XXXX. After XXXX failed closing dates, unreturned phone calls and e mails, endless time on hold and hours of our time wasted we finally closed on XXXX XXXX, XXXX. I have pages of notes, phone messages and emails to show the incompetence of Freedom Mortgage. I was required to sign a document that stated that I received Disclosure documents 3 days before closing. They did send Disclosure documents 3 days before but they were incorrect. I had to bring this to their attention so the closing could be completed. I finally received the correct Disclosure documents the evening before the scheduled closing. This company is incompetent in so many ways it is inexcusable If it was n't for the money it finally saved us on the refinancing, we would have abandoned this endeavor after the second failed attempt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ditech sold my mortgage loan in XXXX XXXX and my XXXX XXXX payment was due to a separate bank. I made both XXXX XXXX and XXXX XXXX payments with XXXX check ; both payments were made, in full and on-time. Ditech then repurchased the loan, less than 30 days later, XX/XX/XXXX and created a disaster. 

Ditech associated my original loan with the incorrect property address, they began mailing things to an address that does n't exist, they had people other than my husband and I listed as borrowers, they transposed our dates of birth and associated completely incorrect social security numbers to the loan ( SSNs that do not belong to my husband or I - perhaps they belong to the listed borrowers?? ). Ditech also changed the payment amount of our FIXED RATE loan and failed to accurately post the payment made in XXXX XXXX ; due to the incorrectly applied XXXX XXXX payment, every payment since then shows up as a late payment and my account has been past due for 60+ days according to Ditech XXXX 

For XXXX weeks neither of us could even speak to anyone at Ditech because all of the loan information was incorrect so we did not know the information needed to get through the security prompts. I have been getting collections calls constantly and because the loan account numbers, social security numbers, dates of birth, borrower names and property address were all incorrect at the time of the loan transfer, this is an issue that must be corrected at the corporate level ; wherever the original changes were made to the account information. 

Today I learned that since nothing is matching up on the original or the current, repurchased account, the folks at Ditech can not even see my XX/XX/XXXX payments and my original Ditech account and my current, active Ditech account are not linked to one another. This gives me concerns about the validity of the loan that 's assigned to me via Ditech ; I 'm not even certain my husband and I are the appropriate borrowers for that loan. This is especially concerning since the social security numbers, borrower names, home and property addresses and various account numbers did not reconcile at the time of the loan transfer. 

I have requested copies of the promissory notes associated with the original Ditech and the repurchased loan but have not received one reply. I have been referred to XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) in Ditech 's corporate office for assistance but all she does is refer em to customer service and they can not assist. 

I have been told numerous times that the issues with my account can not be corrected at the customer service level ; they must be corrected at the corporate level. I 've been referred by both customer service managers and collections managers to XXXX XXXX ( XXXXXXXXXXXX ) in the corporate office to resolve ; she has been aware of this for more than 6 weeks and has failed to take any action whatsoever. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The servicing of my loan was sold to Freedom Mortgage in XXXX 2015 ( from XXXX XXXX XXXX ). From the start I 've had nothing but problems. I did a modification with my original lender XXXX XXXX and was approved in XXXX 2015. All documentation was submitted, notarized and returned to the original lender XXXX XXXX and documents were recorded with my county recorder 's office. After my account was transferred, Freedom mortgage started sending me letters saying my account was in default and that I owed over $ XXXX on my account. Every representative I spoke to had a different story regarding my account. No one seemed to know what was going on. I kept sending in my payments to them every month, even though I was receiving in the mail, default letters, as well as Freedom Mortgage had inspectors coming out to my home as if I did n't live there. My credit report has suffered tremendously because Freedom continues to report that I am late. Freedom has not paid my property taxes and now I have been accessed a late fee on the property taxes. I have a single point of contact who has tried assisting but all I get is I 'm sorry but this takes time to correct. I recently found out from a Manager that a " Stop Code '' was placed on my account which means all work on my account should stop, but no one knows why this was placed on the account. The manager I spoke to informed me that this should n't be on my account. Each time I call Freedom they reference that I just went through a modification with them, which I have n't. My modification was done with XXXX XXXX XXXX in XXXX 2015, and approved and completed in XXXX 2015. To this date, Freedom mortgage, still has not updated my account to reflect that I am current, nor have they paid my property taxes. I 've also sent in a copy of my property taxes via fax and no one from the tax department has bothered to acknowledge that they received, or if they are working on getting that paid. I have had to deal with some of the rudest customer care representatives ( XXXX was the worse ). I would like someone to get this issue straightened out sooner rather than later. This has been the worse experience and has added a lot of stress to my life. After working hard to build my credit to purchase a home, this situation has affected my credit score and hinders me from being able to make other purchases. The lack of communication between departments at Freedom Mortgage is unbelievable and the difficulty to reach someone who knows anything about my account is beyond frustrating. If things were getting updated on my account, I would feel a little more at ease, but the fact that nothing has changed since XXXX, leads me to believe that no one is working on getting the issue resolved. I feel as if I 'm getting the run around and only being told they are working on this to pacify me at the moment. Whenever this is corrected my first course of action is to refinance with another company. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In the process of filing a fraud report plan with the FTC I requested a free credit report from XXXX. After filling in the required information, I requested the report. A message was displayed that I had requested this free report on XXXX XXXX, 2016. I did not request this report on that date or on any date in the past. My complaint is that I did not request this information and my credit report was given to someone requesting it using my Social Security number. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a customer for Wells Fargo customer for the second and final time. I have spent a total of 5 hours in the XXXX XXXX XXXX office trying to resolve my deceased fathers accounts. The manager XXXX XXXX was out on vacation today. Unfortunately, I was being helped by someone name XXXX. She was not familiar with the process. Between her and the legal department things went from bad to worst. She was trying to have a conversation with me and the legal department at the same time. She could n't seem to get my name right not once. I was given the wrong forms to fill out. After she notarized them she realized they were all wrong. Although the process was lengthy the first time XXXX XXXX, 2016, it was handled professionally. 
I could no longer continue business with such a unprofessional person ( XXXX ) so I left to deposit and cash a check for my personal account, on the teller side. Well things on that side was no better.. XXXX XXXX proceeded to tell me, very hostilely that it would be a {$10.00} fee for cashing a Wells Fargo cashier check and issuing another one minus XXXX. So, I stated I wanted to cash the entire check and take the cash. He then stated, " that was not possible. Wells Fargo requires a 3 day notice for cashing such a large amount ( XXXX ). I asked him to wave the fee ( as they always did ), he again stated very hostilely, I will wave it today, for the last time. I really do n't think I need to put up with such poor attitudes and lack of employee 's knowing banking policies. I did however receive excellent service from XXXX. What she did n't know, she kindly stated that and politely found out the correct information. I have never, never received such poor service from this particular branch. In the future if XXXX XXXX is out, another person besides XXXX need to cover as a Manager. Their are other qualified and professional staff members that can maintain excellent customer service. There was no one to greet the customers and I sat for XXXX min. before I reached out for someone for help. XXXX XXXX XXXX walked right by me and placed another customer before me. That is when I spoke up. I will not be returning to this branch. As soon as my check clear I will be closing my account at Wells Fargo for the last time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am trying to retrieve my credit report. They stated they have nothing to do with retrieving it. I should contact you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Transunion to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Transunion with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, PA and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays. 

Company response: Company chooses not to provide a public response
Consumer complaint: Last night on XXXX/XXXX/15 at XXXX XXXX, a sallie mae account manager named XXXX XXXX called my mother 's XXXX neighbor ( first name XXXX ) and disclosed my personal student loan information on a voicemail. They were attempting to reach my mother regaind my loans. They have been harrasing me and my relatives with repeated phone calls and have now illegally contacted an outside party and revealed confidential information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I Have sent several certified letters to Receivable Performance regarding a debt that they are trying to collect. The debt originated through XXXX and is not my debt. XXXX has already closed XXXX of the accounts and needs to still close the other. I have written several certified letters to both companies. Receivable performance stated that they were going to close the account and send a letter to all XXXX reporting agencies, but it is still listed on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: credit protection association is in clear violation of the fair and accurate credit reporting act I never got a letter saying that i owe any money and to who and why. I never got a mailing address that i can dispute the debt. I do not have a mailing address to dispute a debt. just none stop robo calls about a debt with an account # XXXX robocall debt collector that did not send me a bill via usmail. 
never gave me a chance to dispute. When i call to dispute the debt they robo call again the next day. refuse to provide me a place to send a dispute letter in writing never got any letters from them about this debt. this is clear violation of the fair and accurate credit reporting act. I should of got a letter with in so meny days of the call. never got no such letter do not know how i can dispute this debt for XXXX I would like to dispute because poor quality service provided resulted in a loss of {$4900.00} in lost trades. I do not feel that i owe any debt of {$210.00} because of the poor quality of internet service provided by XXXX. I demand a letter from this debt collector so i can send a dispute letter via us mail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have called Monroe and Main and been put on hold for hours. someone needs to call me from the IT department about the issue with paying my bill. I can not pay it online. My account shows a XXXX balance and it will not recognize my account number. They have sent emails telling me how to fix it but it does not work. They are continuing to report me late without giving me a tool to pay. I will not give you my personal credit or bank info over the phone and will only pay online as I have before, their sollection practice is to lock a consumer out of the billpay system once they are late and to force them to provide bank account info over the phone. If you refuse to provide bank info to a stranger they call numerous times a day ignoring the request to unlock the online pay tool. I have requested they escalate to the compliance department but that was not done. This is the same account service for my Swiss Colony and Seventh Avenue accounts. All are late now and they are not providing an option to pay other than over the phone providing bank account info to a stranger. .My number is XXXX 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: There is a civil judgement on my credit file which is not mine 

Company response: Company chooses not to provide a public response
Consumer complaint: a check was mailed out on XX/XX/2015 with my online bill pay with my bank and they held it and only cashed it on XX/XX/2015 and still say I did n't pay even after I provided a copy of the canceled check and told XXXX on XX/XX/2015 that it was unpaid which is 13 days after they had the money in their bank 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech has refused to suspend the Foreclosure Auction on our property, scheduled in two days, on XXXX XXXX, 2016. They have not responded to any of the allegations in our first Complaint to CFPB other than to postpone for sixty days for a modification, which is not complete as we just finished our tax return. We applied for a preliminary injunction which was denied on notice grounds and because the judge said he was not convinced we could succeed on the merits, which is NOT the applicable standard of review. RAther, we have raised serious, substantial questions about the validity of our mortgage and note documents and a temporary STAY of the foreclosure is the only reasonable action. So Monday morning I will go back and try to get a ruling that Ditech is REQUIRED to meet with us in person pursuant to HUD regulations, as evidenced by the note they dropped off at our door asking us to " contact our office to arrange a meeting to discuss your account. '' Another person got an injunction yesterday based on that regulation, while my handicapped husband and our XXXX year old daughter were turned away by the same judge. This process is a DISGRACE and the CFPB needs to get more aggressive with these Lenders to force them to comply with the law. I called the Ditech supervisor TEN TIMES over the last two days and he refuses to call me back. If our home is sold on Monday I am going to sue everybody in sight, including the CFPB and the Massachusetts Attorney General, who is doing virtually nothing in this area for consumers, despite capturing XXXX and even XXXX dollars in judgments against the banks and lenders, for failing to protect our legal rights, and for causing extreme and ongoing emotional distress!!!!! 

XXXX XXXX DITECH telephone 

Company response: Company believes it acted appropriately as authorized by contract or law