AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I reached out to XXXX XXXX at XXXX Mortgage Planning in XXXX XXXX, CA inquiring about a mortgage loan. He was referred by a co-worker and has familiarity with my positions pay structure. I had yet to file my XX/XX/XXXX taxes and asked if he could look over my financial information to let me know what was possible for a mortgage. I specifically told him I was not applying yet but as he was referred, wanted to have a discussion about my numbers so I could decide if I wanted to increase/decrease my XXXX deductions. We specifically discussed that my SSN was not needed at this time as I did not want my credit run. I uploaded my financials including XX/XX/XXXX filed tax returns and XX/XX/XXXX draft tax returns into their 'cloud ' for his review. The next morning XXXX called me letting me know that I looked good for 'X ' dollar amount of a loan and had a great score at XXXX. I asked why he knew my score as we had talked the evening before about NOT pulling my credit. He apologized strongly and said the good side was that we would not need to run my credit again. He apologized again saying his staff automatically pulled the information and ran it. I told him as manager of his office he is responsible for managing his staff and that he had assured me we would n't run my credit yet. Of course I had not blacked out my SSN on my taxes, so he secured my information from there. Bottomline : XXXX did NOT secure my permission to pull my credit. In fact he was specifically instructed NOT to pull my credit. I want the record cleaned up from my credit score with all XXXX agencies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This is a formal notice of dispute regarding information that Bank of America sent to XXXX, a consumer reporting agency. 

The following false information was sent to XXXX : XXXX XXXX, 2014 Suspected Fraud ActivityThis information was disputed with XXXX on XXXX of 2014 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 
Bank of America report account suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a victim of identity theft. Someone tried to apply for an Exxon Card in my name. When I noticed the inquiry on my credit file I notified Exxon thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Exxon. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested to be able to have a chance to bring my mortgage up to date. I receive monthly statements for the amount past due. They do not accept anymore partial payments, so i am keeping them in a savings account and have requested money from my retirement account too be able to pay up to date. I just received a letter from a XXXX XXXX who says that I can only pay my mortgage up to date TODAY with the added fees of {$280.00} called " suspense balance '' and {$390.00} called " late charges '' and the payments due as of XX/XX/XXXX of {$7100.00}. BUT, if I can not pay that TODAY, I need to pay {$10000.00} which includes:1 month ( s ) at {$890.00} per month ( XX/XX/XXXX ) $ XXXXPayments totaling {$7100.00} $ XXXXLate charges $ XXXXSuspense balance $ ( XXXX ) Foreclosure fees $ XXXXForeclosure costs $ XXXXTOTAL $ XXXXThis is supposed to be through XX/XX/XXXX. 
I received a letter from Green Tree stating that the property will be foreclosed on XX/XX/XXXX. Can someone help me to understand what is going on? They are not allowed to call me, but I 'm sure they do, since I get alot of hang up calls. I will not call them, since that would give them permission to start harrassing me again. I need to know what I have to pay to be up to date and move on. How do I answer this XXXX XXXX? Please, I just want to do whatever I have to do to bring this up to date and then refinance somewhere else, before I lose my mind here because of them!!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX did not file their claim in a timely manner, as required by law, and is not entitled to the {$280.00} dollars, let alone the {$170.00} they have filed claim to. I have called them several times and each time I am told " they are investigating the issue, and although it appears their filing was not done properly, they are still investigating. '' Their official investigation was started XXXX XXXX. No other response has been given since, although I have called them at least XXXX times since XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian have my wrong name on it report.. my name is XXXX XXXX.. 
on Experian report are XXXX XXXX that is wrong last name. need to be fix now 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to dispute this account online and Experian refuses to allow me to do so. They have an account for XXXX XXXX on my credit report with the terms and payment history wrong. 

A. The account is listed on my credit report but the account has been closed for over 2 years. 
B. They have that the account is currently 60 days late. The account is PAID IN FULL. 
C. I want to dispute this account and they will not allow me access to my credit file. What is the problem? 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several closed XXXX XXXX accounts on my report.as for as I know I never changed cards unless I was sent a new one.there is also open accounts and balances on XXXX cards.XXXX and XXXX the charges are not mine! XXXX last error on the collections {$54.00} charge and a charge from XXXX I have never had a card with more then a {$1000.00} limit, My car payment payment was never late I defer XXXX payments when I was ill.And I have never had a XXXX account.Please fix theses errors.I don`t check my credit reports but I will from here on in Thank you in advance, XXXX XXXX p.s I also was red flagged for ID theft in XX/XX/XXXXand XX/XX/XXXX someone put a false income return in they received {$7000.00} in XX/XX/XXXX but nothing in XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife, who controlled all finances during our marriage, and I divorced in XXXX 2015. Since that date I have been working to rehab my credit score due credit card high limits. I had XXXX in credit card debt between XXXX companies, XXXX, XXXX XXXX, and Bank of America. Attempting to rehab my credit score I made large payments to pay off my XXXX ( {$1500.00} ) and XXXX XXXX ( {$1500.00} ) to alieviate my credit card debt to credit card limit ratio. Also, I made a {$2000.00} payment to my Bank of America card to decrease the balance from {$5000.00} to {$3000.00}. 

Upon receipt of the {$3000.00} payment Bank of America immediately decreased my credit limit to {$3400.00} leaving me with open credit of {$400.00} instead of what I thought would be {$2000.00}. How am I supposed to recover my credit score when I went from maxed out to maxed out while paying {$2000.00}? This can not happen to Americans who are doing everything they can to improve their credit scores. 

Also, Bank of America stated they would decline a credit increase back to {$5000.00} because of a {$19000.00} revolving line in use ( total ). This is not accurate due to my {$5000.00} pay down of revolving debt only to have the ratio increase with their credit line decrease. I feel victimized. Debt issues in America will not be fixed by sneaking credit decreases to middle-class citizens immediately after a large payment is made. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: In XXXX 2010 I had a credit card that went into collections and got sold to Cheek Law offices/XXXX XXXX XXXX XXXX I explained to them i was struggling and having a hard time even keeping a place to live. They would n't work with me even then, they proceeded with a judgment against me i was XXXX at the time so i was fresh into this and had no clue what i needed to do. I called them after i got the letter from court and asked them if i needed to appear in court as well, they told me no that i did n't need to appear so i did n't go to court. The judgment was to garnish my wages. They just now put in the order to garnish my wages more than XXXX years later. This was a credit card for XXXX dollars and they are now asking for XXXX. They want to garnish my wages for {$500.00} a month. I offered them {$1000.00} to settle or i would take that {$1000.00} and file bankruptcy chapter XXXX. They still refused to take that settlement. I also offered to pay them {$100.00} a month, they refused that as well. I can not afford {$500.00} a month this will leave me homeless and possibly unemployed. I think the way they are handling things is unethical. I have explained my situation to them and they are not at all willing to work with me. I also do not understand how a lawyer can charge me interest. I also find it convenient that after over XXXX years after the judgment when the money has racked up then they all of a sudden start to garnish my wages. If they would have garnished them right after the judgment then this would have been taken care of a long time ago. I feel they waited this long to do so because they wanted more money, which is not fair. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Looking to refinance investment property with Green Tree Lending Service and submitted personal information almost a month ago. The company took all loan information from my partner and myself and has not responded back to any of our call concerning the process. We are told that if another loan agent take over he/she would have to conduct another credit check and basically start the process all over which would not be good for our credit scores. We both have good credit and have been owning the property for a number of years. XXXX XXXX agent : XXXX XXXX, phone XXXX Ex XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, with Southwest Recovery Services, has been calling my work for months now. She 's been asked several times by myself, my co-workers, and my managers to stop calling me at work, as I do not take personal business calls. My job is to answer a very busy phone line, and I do not have time for chats. 

When told this, she gets insanely unprofessional and begins arguing, stating that she has ever right to call me at work. It has escalated to XXXX to XXXX calls per evening now. This is insanely unprofessional and uncalled for, and I need it to stop. 

On my personal cell phone, I get upwards of XXXX calls a day from her company. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Last year ( XXXX ) we bought a house and financed it through XXXX Bank. Later the loan was sold to BB & T bank. Last month ( XXXX ) we refinanced our loan. With the refinance process, a new escrow account was set-up with the new lender XXXX XXXX Bank XXXX and it was funded at the close ( for about {$2500.00} XXXX We have already received the letter from BB & T ( the previous lender ) that the loan is paid off. At the time off the refinancing, BB & T had about {$2100.00} dollars in the escrow account. Since then I have asked BB & T various times over phone and via their secured online email process that when the escrow will be refunded back to me. So far I am not getting any straight answer. 

I want them to return BB & T my full escrow amount without delay and would like your help in resolving this without delay. 

Thank you for your help in this matter 

Company response: Company chooses not to provide a public response
Consumer complaint: I owe cash call a debt, I have paid them regularly but have had to make arrangements to make payment later than usual or to skip a payment due to financial hardship. Although they set up plans with me to stop an automatic payment they continue auto draw my acct. I have an agreement with them now thru a supervisor to pay tomorrow XXXX/XXXX/15, today XXXX/XXXX/15 they have called XXXX times, using unk caller so I ca n't call back. I believe this is a violation of the law and when I asked them that they said they can call as often as they want 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX aggressive debt collection became deceptive and dishonest. Resulting in incorrect negative credit report. 
XXXX XXXX deceptive collection activities allowed for a specified number of days to pay outstanding balance before sending the account to collections as per their billing statements. 
XXXX did not honor their disclosures and pushed my account into collections, resulting in the incorrect information reported on my credit report. I requested my service to be disconnected for the reason of going with their competitor. XXXX never closed my account and allowed it to run into disconnection for non payment. Once XXXX was advised they were in error, they continued to treat my account as a non payment, and the amounts were not correct, and have not been given a clear amount due as of yet. XXXX did send an adjustment amount, which I could not verify as valid. XXXX never advised me the account was going to collections, XXXX sent XXXX letters for demand of payment, both were for the wrong amount. 
Clear violation of the FDCPA 15 USC 1692e at the least. 
The closing bill was never sent, the account was never corrected from disconnection for non payment to consumer request to close and a accurate closing bill sent. Instead XXXX adjusts the erroneous inflated amount due to a lower amount and allows XXXX days to pay, without notice they send it to collection and way before the XXXX days were up as per their billing statement. XXXX was paid within XXXX days of receipt of the adjusted bill, which still is a questionable amount. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Debt was paid on XXXX/XXXX/2015 in the amount of {$76.00} to credit protection association. This company then sent another bill on XXXX/XXXX/2015 for the amount of {$92.00} requesting an additional payment on a paid in full account. This company stated upon paying the debt in full that the information would be removed from all three credit bureaus. However, the company has only updated the amount to a {$0.00} balance which is still affecting my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Based on the above bullet points, I and this situation falls into XXXX,XXXX and XXXX bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a Seidberg Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Based on the above bullet points, I and this situation falls into 2,3rd and 4th bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a XXXX Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I sold XXXX XXXX to a buyer on XXXX for XXXX. 
I received a receipt for the Bank of America deposit via the website. I could see that the deposit was made in cash. I sent the coins to the buyer thinking that everything looked okay. 
The next day on XXXX, there was withdrawal on my checking account of XXXX. I called Bank of America the same day.and filed a fraud claim.I called back the next day and they said that not enough time has passed and that they are still investigating what happened. I finally received a call today, XXXX from the Bank of America fraud department and they said that someone else filed a fraud claim on the XXXX and they are holding the money while they investigate. They said that I may be liable for fhe fraud because someone had my checking account number. I explained to them that the checking account number is printed on every check i have written from Bank of America and that the information is not that private. They said it had nothing to do with checks, I guess they did not understand the point I was trying to make.The bank also said that I should file a police report with my local department. This crime occurred in another state, Washington so the police would no power there. I feel that I am being treated unfairly and the money I received in cash to my account for coins that I purchased for about XXXX is being held by Bank of America and is in jeopardy of being distributed to another party which is not right or fair at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for an FHA Streamline refi loan with Freedom Mortgage corporation, but I felt I was being given the runaround while waiting for approval from their Underwriters ( was asked to provide the same documentation repeatedly, etc. ). I decided to apply with another lender and withdraw my application from Freedom mortgage, but now they are sitting on my FHA case # and not releasing it to my current lender, which is holding up my loan! 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to file a formal complaint against " My Best Buy Credit Card ''. Today when I received my mail I opened it and I saw " Interest Charge '' for the amount of {$210.00}, then I called their Customer Service Department to try to remove that Interest Charge because I 'm not or was not aware of such " Interest Charge '' I spoke with a lady name XXXX.I asked her to give me some type of Identification as her Employee Id or Last name She said she ca n't provide to me, she says she is part of a Management Team from Tennessee her team Id is # XXXX. This lady instead to assist me she tried toCharge {$300.00} for the balance to paid on full so she could remove the " interest charge : I said to her I never was aware of this Interest Charge of any previous purchases Idone All the time when I buy with this credit card I got free interest until balance is paidoff, So since she did n't want to assist me to remove this interest charge I told her I wouldformally put a complaint against their Credit Card For " Switch and Bait '' with the CFPB Now I see the illegal way to try to charge me extra amount of money without me notice it .Please assist me to resolve this issue I 'm reporting at this time. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX loans are XXXX years old!!!! Is there not a time limit for how long company 's can keep it on your credit report??? Also! I was never in the XXXX! I served in the XXXX!!! I have XXXX brother 's who served in the XXXX!!! I also never lived in XXXX, ca.!!! But!!! My brother XXXX XXXX did!!!! Also I do not owe anything to XXXX!!! They are lying to get another {$110.00} from me!!!!! My credit reports are frauds!!!!! Fraudulent!!!! A complete inaccurate, disgrace!!! Fix these reports and update them correctly!!! Its about time!!! You leave things on there forever!!! You believe anyone without proof!!! You ca n't even get my personal information correct!!!!!!! You even have me confused with my brother XXXX!!!! Or XXXX XXXX, who were in the XXXX!!!! Get it correct!!! The XXXX!!!!!! Please do your job, do n't just collect your paychecks!!!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for assistance in saving my home and was denied assistance back in XXXX 2015. My servicer is SPS and I believe they were missing some of my income as the amount they used in that review seems incorrect. I have recently submitted updated financial information via my attorney ( XXXX XXXX, 2015 XXXX and I believe I qualify for a loan modification to save my home. However, SPS has set a sale date on my property for XXXX XXXX, 2015. I am worried they will not post phone my sale date and I am asking for the help of the Consumer Financial Protection Bureau in asking them to allow me to be reviewed for assistance. 

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