AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experience is Knowledge, and Knowledge is power. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX Thursday, XXXX XXXX, XXXX XXXX. 
XXXX XXXX, VA XXXX Attention : Consumer Solution Department As of XXXX XXXX, 2016 the named company received my mortgage as the Server. To date, I have received no correspondence from Loan Care. I contacted my old Mortgager and was informed to wait for a new loan number from the New Server, Loan Care. 

My transfer letter states that during the next sixty days, no late fees may be charged to me, until the Loan is properly transferred. 
I am presently receiving harassing automated calls from Loan Care. A follow up call says that this is a courtesy call reminding me that my loan is due on XXXX XXXX, 2016. I contacted Loan Care via phone and was told that the Harrassment Calls could not be halted unless I write a request. 

Please consider this my request, that automated Harassment ( courtesy calls ) must not be made to my phone. I pay for this phone service for my business use. Your continued harassment will be reported for what it is : an interruption of my peace, disturbance of my livelihood, an intimidation. 

Please immediately stop future calls to my number, ( XXXX ) XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage loan was sold to Freedom Mortgage on XXXX XXXX, XXXX. I was notified in mid XXXX. Upon notification I called Freedom Mortgage to request that they pay my XXXX RE taxes from my escrow balance before XXXX XXXX so I would be able to deduct the payment on my XXXX tax return. They said they would not do it. I made several attempt to resolve this and finally was told my a supervisor named XXXX XXXX that if I personally paid my taxes that an escrow analysis would be performed upon confirmation from XXXX XXXX that the taxes have been paid and the funds would then be paid to me ; reimbursement by my escrow account held by Freedom Mortgage. I was concerned that I would not be reimbursed for many months but was assured by XXXX that the analysis would be performed promptly upon confirmation that my taxes were paid. This was late XXXX and I personally paid my taxes. XXXX would not give me her direct number or extension which I requested. I attempted to contact her by asking for her by name going through the customer service number. I was able to get through to her voice mail once and left her a message. XXXX did call me back and left me a voice mail but did not leave any information as to the status of my situation. I have XXXX other attempts to contact her and was refused by the agents to get transferred to her or her voice mail. I was told my XXXX of the agents that I would get a call back the next day regarding my situation. The call was never received. I called again today and again they refuse to transfer me to XXXX and that an escrow analysis would not be performed because Freedom Mortgage paid my RE taxes in early XXXX. So, a reimbursement would not be possible. Repeated requests to speak to XXXX were refused. The agent I am speaking to, as I write this, was able to get in contact with here while I was on hold but refused to transfer me to her or her voice mail. Horrible customer service experience as well as not following through with what they told me they were going to do. I am now at a loss as to how to resolve this. So, a timely reimbursement of my funds is now not an option. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please help assist me, there is a judgment showing up on my credit report which is NOT mine. I have disputed several times and Experian reply 's they verified which is not accurate. I called the court house and the company whom filed the judgement and confirmed myself this is not mine. I want it removed from my report. There is also another issue reporting XXXX XXXX child support, this is inaccurate also stating I owe I do not owe anything on child support again took it upon myself and contact this agency, I am correct nothing is owed, I also am requesting this be removed. It is very sad this agency does n't verify anything and keeps on reporting inaccurate data. My next step will be hire an attorney and contacting my states attorney general office if not resolved. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I owe money to XXXX XXXX. They sent the debt to ic system, and they have been calling my wife about my debt repeatedly, even after saying they wo n't call anymore. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 I filed a dispute with Bank Of America for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Bank Of America Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My family had experienced a hardship. My fiance became XXXX and shortly after I had lost my job. I proactively reached out to the bank because just in case I ran into any trouble paying my loan. The bank was XXXX. XXXX placed me on a forbearance plan. I did not know that this would impact my credit. They asked me to complete paperwork for a loan modification -but before it was finalized sold my loan to XXXX XXXX . XXXX had modified my loan but sold it to XXXX XXXX. XXXX XXXX would not honor the modification and told me it was done wrong. XXXX XXXX changed the modification and increased it by an additional {$500.00} and sold my loan to FCI Lenders, LLC -/XXXX . They sent me a letter informing me that I was late on my payments. I was never late on my modifications ever and decided to discontinue my escrow account asking me to pay the principle only for XX/XX/2016 and XX/XX/2016 - the representatives name was XXXX XXXX ( XXXX ) XXXX. I explained to XXXX that my loan should be in good standing and that they can not change the terms of my loan. I also provided him with a tax bill - Anthonly informed me that FCI Lenders was sitting or holding over {$8000.00} in an account when they discontinue my escrow. I forwarded the tax bill and they have not paid it yet. I was then transfered to XXXX XXXX ( XXXX ) XXXX, I asked them to honor my loan modification and XXXX is telling me that my house is upside down and I should find another lender to give me a loan. XXXX informed me that they will take {$230000.00} for my loan. I forwarded all the bank statements showing them I have not defaulted on any payments. They will not continue my escrow and do not honor my loan modification. Why are we asked to complete all these forms and the government has a program and the banks sell your loan and then put the responsibility to show payment on the borrower and want to remodify my loan or get a new loan. Help me please - I can be reached at XXXX my name is XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have applied for a Home Affordable Modification Program ( HAMP ) to my mortgage. I have faxed all the required documents exactly as requested by Flagstar bank and was contacted by XXXX XXXX XXXX with a request for Thirty days consecutive pay stubs ( Emails are attached as proof ) to complete my application package. Ive sent those documents to her however I received mail from Flagstar requesting some of the documents that were sent in with the original package. 

I have applied for a HAMP in the past ( XX/XX/XXXX & XX/XX/XXXX ) and was met with the same issue. I was asked to provide documents I had already submitted to which I complied only to be asked for different documents that were also part of the original package submitted. This went on until my 30 day grace period was up. 

It is my belief that Flagstar is intentionally delaying the HAMP application process past the 30 permissible days. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently got my credit report which showed my credit scores. TransUnion and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for Full Access Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX XXXX XXXX XXXX as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the XXXX that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted. 

Company response: Company chooses not to provide a public response
Consumer complaint: My yonger sister bad credit is on my credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Went to the consumer website ..XXXX and requested a report from experian. They denied an online report request without explanation and for no reason. The web site said that they needed a request in writing .I did so and they sent the report. There was no way possible to discuss this issue with them either online or via the telephone, since the options available to me, precluded me from making this inquiry. Since they do not have selections appropriate to answer my specific question. There was no telephone number that I could talk to someone in person regarding this question.Why have an online service when one has to make the request in writing. Sincerely, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion is reporting me 90 days late twice. last reported XXXX 2015. This is incorrect. I have paid on time 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied on XXXX XXXX online at Argon 's Credit Website. I was offer an approval for 20 % interest/ APR. I signed the document via electronic signature and submit all documents the same day. As I went through there application process, they used XXXX XXXX XXXX Bank XXXX XXXX to scan peoples bank account activity for 90 days. It asked for my online banking credentials. Uncomfortable giving sensitive login information online, I gave them my past 60 day bank statement. During this time, I have been very patient with this company. They state approval and verification takes " 48 to 72 hours ''. It had been almost 2 weeks. I 've given my last 60 days bank statements, XXXX and XXXX Tax Return, XXXX paystub periods, My Driver 's License ID, and a copy of my Personal Check Voided I recently received a call that I was going to be funded and it would take " another 48 to 72 hours ''. I await 3 days. I check my account and funds have not been disbursted. I call them again and they state it would be another 5 business days for funds to transfer. Please keep in mind my contract was signed on XXXX XXXX. My first payment is due XXXX XXXX and I still have n't recieved my funds in my bank account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an alert from a credit monitoring service of a credit inquiry to Experian initiated by XXXX XXXX, which I did not approve. I have not been able to reach anyone at XXXX XXXX or Experian to resolve the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started to order product from XXXX thru their agent over the phone. I provided a credit car but when the agent advised that we will be placed on automatic shipments I said to cancel ecverything, that I did not want their product if I had to be placed on automatic shipment. Operator said it would be cancelled. I then get a bill for {$130.00}. I have never received any product from this company. I have sent them XXXX debt defense letters where I ask them to show proof that I ordered the product and proof of any alleged delivery. Apparently they ignore these for I just received another collection letter from Retrieval Masters Creditos Bureau , Inc. XXXX, NY XXXX. I have been disputing this debt with debt to no avail. When I look on the Internet there are XXXX of cases of consumers going thru the same problem with XXXX. 
Thank you so much for your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a savings account with B of A MANY years ago to compliment the checking account I 've had with them since XX/XX/XXXX. I only opened it upon being assured that there were no monthly fees associated with it. And, indeed, there were none until, beginning XXXX XXXX XXXX, BofA started deducting a $ XXXX/month monthly fee. They never notified me of their intention of doing this, and I only noticed it in XX/XX/XXXX. By then, I had paid XXXX x {$12.00} = {$60.00} in fees. I phoned to complain and ask for a refund, but the agent only offered one {$12.00} fee as refund. To her credit, that agent then also changed my account to another type of savings account where there are ( apparently ) no monthly fees in the future. 

I consider deducting funds from my account without a pre-notification to be tantamount to theft. If I had been notified, I would have closed the account, or changed to the type of account without fees. 

I escalated my complaint to XXXX XXXX, an " Escalation Manager '' who said that I " probably '' must have been pre-informed, and there was nothing he would do to repay the {$45.00} that BofA by then had seized and not repaid. He could not demonstrate to me that I had been pre-notified - only his opinion that " it must have happened ''. He would not give me the telephone number of his manager, XXXX XXXX, for me to escalate further. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received an active credit card from Wells Fargo Financial National Bank that I did not apply for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for a loan with argon credit corporation for XXXX. I was approved, in a funding status and signed a contract to repay the loan. After a few days they never deposited the money into my bank account I called this loan company where my money was and they said they had a freeze on all loans and they would expedite my request to get my money. They later came back and denied my loan breaking their end of the signed contact and did n't give me my money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, I purchased a automobile in XXXX 2015. I instructed the dealer to ONLY run XXXX report ... Later, XXXX or more showed hard inquiries showed up on my XXXX credit reports. I called each company and asked them to remove ... No Luck ... On XXXX XXXX, i called XXXX and they convinced me to sign up with them and i told them i would, but i did not wanted a soft or hard report ran on my current loan. 
I told them i just wanted to compare rates, nothing else .... Later that day, i began receiving Multiple email offers and phone calls ... I contacted XXXX XXXX and complained. 
The emails and phone calls continued for 2 days ... i am now getting mail from a few of the companies that were calling. i checked my credit report later that week and discovered XXXX new injuries ... i called Leading tree and all of the companies that did the hard injuries and asked them to remove these inquires. I did not authorize any inquires in XXXX and i only authorized XXXX in XXXX of Last Year. I would like these inquires removed. I have disputed these over and over.. i am getting no where. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a credit card, auto loan, and personal loan from XXXX XXXX sent to Stephens and Michael 's Associates debt collection law firm. While making the payments to Stephen 's and Michael 's I was under the impression that all of my payments were going towards the debt. When I completed my payments with Stephen 's and Michael 's I contacted the bank to get the title of the car since I was under the impression that all our debts had been paid. The bank explained to me that Stephen 's and Michael 's charges a XXXX-XXXX % fee and that I still owe the bank. Even the customer service representative admitted that this is a common tactic of Stephen 's and Michael 's and that others have been led to believe that their debts were fully paid off when they in fact were not. The entire time in dealing with Stephen 's and Michael 's I was never informed of this fee and the fact that the final payment I made was n't going to fully satisfy the debt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX reported an hard inquiry to Transunion Credit Bureau on XXXX/XXXX/2015. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted the bank requesting to freeze my account, due to losing my job and no longer having direct deposit. I have XXXX checking accounts and I did not want anything drafting from my account creating a negative balances. I was told I could not freeze my accounts. An item debited from both of my accounts and I had no funds available. The bank allowed the items to debit my account which created a negative balance. A fee of {$35.00} was added to both of my accounts. Long story short my account was already in a negative and the bank continued to add fees. I currently have a negative balance between both accounts of {$560.00}, with {$310.00} being bank fees due to overdraft and returns. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Due to a hardship, I was unable to pay my home mortgage payments. I had a first mortgage with XXXX XXXX XXXX and a equity line of credit with Bank of America. My home was foreclosed upon in XX/XX/XXXX. Both loans were real estate loans and the collateral was the home. MY COMPLAINT is with Bank of America who held the equity line of credit. BofA reported the loan as charged off initially. Then 30 months later, ( XX/XX/XXXX ) a BofA collection representative started calling me threatening a lawsuit if I did not pay the money owed on the equity line. I was asked and agreed to pay {$5000.00} to settle the account. I have attached the note and deed of trust for the equity line showing that the loan was secured initially by the property but in the aftermath, it should be shown on my credit as a chaarge off - settled for less than due and not a Foreclosure. The way BofA is reporting this on my credit is keeping me from purchasing another home for 3 years. I am requesting B of A report this as a charge off of a credit account and not a foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 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: XXXX reported on my Transunion Credit Report on the following dates : XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I did not inquire any information regarding this company. These are XXXX hard inquiries. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. I have submitted my ID, Social Security Card to prove that is not me and to the creditors but to no avail. I would like to get this handled and removed off of my credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans Union is not responding to any of my credit reports to investigate and remove XXXX account from my credit report that do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I requested my annual report but they seem like they comply.I have this problem every year. 

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