AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My current credit report has a collection item from IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX Original creditor XXXX XXXX this account has been on my credit report as far back as a copy I have from XX/XX/XXXX. The date listed is XX/XX/XXXX as collection date. I disputed this item and won, this item was removed However it keeps reappearing on all XXXX credit reports. I would like to have this item removed permanently. I am trying to repair my credit is there is no need for this company to keep adding a false item to my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a call on my work number from Focus Receivables Management on a file # XXXX. Focus Receivables Management was not authorized to leave any messages or call this number. I did return the call asking who this company was looking for and indicated this was a place of business - they should not be leaving messages or attempting collections here. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from Nationstar Moartgage LLC, my current lender on an investment property located at XXXX, XXXX XXXX, XXXX XXXX, CA. The letter from Nationastar states that I could lower my monthly payment by {$160.00} with the same terms as my existing loan, and more importantly, with no costs to me. 

Because of the lower payment, I called Nationstar and talked to a loan specialist called XXXX. Once I started talking to XXXX, then I realized this is a " bait and switch '' scheme. He told me that my current loan is very favorable and can not get me a lower payment with a new loan. He then tried to get me to sign up for a new loan, with either fees upfront or a shorter term for a lower rate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX I got a copy of my credit report and paid off each item listed. I received another report last month XXXX. Listed on the new report is a debt from XXXX. TransUnion says its verified and will not remove it. The reporting agency, XXXX XXXX XXXX confirmed it was a debt from XXXX that they bought in XXXX. They also stated they sent notices to my old address which I never received. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In 2009 I lost a job that I had for about 20 years. I found a job 3 months later making XXXX less so I got behind on my mortgage so I ask for a modification they did in but the payment went up I told them that it will be hard but it took a long time and I hired a attorney to help me he drag it along for over a year then I did n't hear from the attorney then I found at he was suspended. So I had to do it myself I think they took advantage of me. Then I ask for another modification because I was struggling they did it went hire I struggle they did another one it went to XXXX over XXXX more then what the original payment in 2009. I thought that when you get a modification the payment go down ( am I right ) so I have gotten behind and they will not help me that 's why I am turning to you guys for help we took in my father-in-law he is retired because he has no place to live and we took in my daughter and he XXXX baby 's so was in XXXX relationship. So all the bills went up I am looking for help so I do n't lose my house my son is upset because we might have to leave. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied a mortgage loan from Bank of America for a town house purchase with 20 % down payment for a XXXX fixed rate mortgage loan. After reviewing my loan application, Bank of America loan officer provided me a loan approval letter by assuring me there is no issue and my income level is more than enough to get this loan. I signed the sale contract with the seller by trusting the loan officer`s assurance. Also, loan officer asked me to transfer my money from my XXXX account to Bank of America. I transferred my money from my XXXX account to Bank of America account which I had to incur approximately {$2000.00} cost because of XXXX losses due to converting from XXXX and transaction costs. In addition to this, they asked my credit card information and they said they need to charge for appraisal in advance by assuring me that there will not be any issue. Again, they reiterated several times that I am very well qualified for this loan. They processed appraisal and charged me {$450.00} for this. 
At the end, Bank of America declined my loan application by saying there is insufficient credit lines. This was totally unexpected big shock and surprise to me. Because, I trusted the loan officer assurance and all of my financial information was available in my application form and this supposed to be identified before proceeding with appraisal and instructing me to transfer my money from XXXX account. 
In summary, Bank of America misconducted my mortgage application process misled me and charged me appraisal fees unfairly without completing their loan underwriting process. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015Dear Consumer Financial Protection Bureau : On XXXX XXXX, 2015 the Office of the Controller of the Currency forwarded my compliant dated XXXX XXXX, 2015 to the CFPB as the matter, foreclosure misconduct by Wells Fargo Home Mortgage, falls within your jurisdiction. I subsequently received letters from the CFPB dated XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and your latest letter dated XXXX XXXX, 2015 informing me that you had received a response from Wells Fargo to your submission number XXXX. I was unable to access the Wells Fargo response on your website and when I called the CFPB I was informed that I did not have enough " personal identifiers ''. Getting those identifiers is the purpose of this communication. I need to access Wells Fargo 's reply as soon as possible. If it is the usual lame Wells Fargo response I intend to hire legal counsel to bring the largest class action suit I can against this mortgage company. I believe Wells Fargo Home Mortgage is poorly coordinated, poorly trained, poorly supervised and despite being called by XXXX federal judge " highly reprehensible '' largely unregulated by the very federal agencies responsible to protect the citizens of these United States from such abuse. 

I want access to their reply. 

Sincerely, XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Being dragged around by Wells Fargo signing a subordination so we can refinance our main home mortgage. They claim they ca n't find deed of trust, say bank they bought mortgage from signed it back to itself and is now closed. They are denying signing subordination for this reason. This has been going on for months. Our current offers on a lower interest rate have expired waiting on Wells Fargo. We questioned them on Friday how is it our problem they do n't have their paperwork and today, Monday they called and denied. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an urgent notice about my mortgage in an official looking envelop. This was unsolicited and did not indicate that it was a marketing flyer. It refered to 'guideline changes ' and that I was selected for a 'reduction progarm ' which will 'lower my monthly payment significantly. ' This, it turns out was untrue, but assumed they would pay off my fixed rate loan for a variable rate loan, however, the variable rate was n't much better than my fixed rate and did not amount to a 'signficantly lower payment ' compared to my current mortgage. This letter was alarming, deceptive and felt predatory in its design. In the fine print I see that it is a solicitation from XXXX XXXX XXXX and XXXX XXXX ( contact information in the attached pdf file ). I feel their tactics are the type that regulatory reform was intended to eliminate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did a refinance with Bank of America. I have owned this investement property for 10 years and have paid a total of {$35000.00} in PMI as the loan to value was not XXXX %. the PMI payment is {$300.00} a month. currently the LTV is over XXXX %. Owe XXXX and appraisals are coming back at {$410000.00}. I have requested 5 times total to remove and they refuse. Also apparently they changed the terms in the refinance that it is now XXXX % LTV and minimum 2 years before they will look at it. I have offered to make a one time payment to reach the XXXX % and they said they would be happy to take my money but would have to again apply to get PMI removed. I do n't understand. Unprofessional. Bank of America is taking advantage of there consumers and not notifying them of these line items. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: USAA credit card is continuing payment holds on funds submitted. I paid {$400.00} on Friday, XXXX XXXX, 2016 and it was released from my bank ( XXXX XXXX XXXX yesterday XXXX/XXXX/16. Can you please talk to someone in billing of USAA Credit card at ( XXXX ) XXXX and straignted this issue out. I would greatly appreciate it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted Bank Of America and asked them if I can split my mortgage payment into 2 payments sent in at different times during the month. They agreed. Earlier this month I sent in half my amount due, with the other half being sent next Friday. Today I got a letter from Bank of America stating that they took the funds I sent and applied it to an applied funds account, which means they do n't show me as having paid anything 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Someone opened an account with PENFED Credit Union under my name last XXXX 2015. I found out about this this past XXXX. I have called PENFED 6 times, faxed them my police report 3 times and have yet to hear from them with any followup from the Fraud Dept. I am very concerned that there is no follow up or concern for resolution with this issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America continuously charges impoverished people like me XXXX overdraft fees. I struggle to cover them. They keep charging the fees to keep the account balance negative in order to charge more fees. I have paid over {$100.00} this month in fees alone. On XX/XX/XXXX, I went to an ATM to put cash in to cover an overdraft. The ATM would not take cash. On XX/XX/XXXX, I went to a different bank of america to deposit money to cover the overdraft. I did so. On XX/XX/XXXX, they charged me an extended overdraft fee anyway, simply dating it XX/XX/XXXX. They refuse to remove these fees. I am trying to care for a XXXX parent, and I do n't have much money. Yet bank of america makes {$100.00} in fees off me every month, at least. They charge fees on their fees. They foster a negative balance to get more fees. This is a racket. 

Company response: Company chooses not to provide a public response
Consumer complaint: i keep receiving emails from Netspend prepaid XXXX, this is their email : XXXXXXXXXXXX They keep coming ( XXXX so far ) thanking me for applying ; i will be receiving my card soon ; directions on how to activate. I DID NOT APPLY FOR A CARD FROM THEM OR ANYONE ELSE. I called all XXXX credit companies and put a 90 day fraud alert also paid {$5.00} to freeze XXXX of them. I did save the emails but was careful NOT to go to click link. I did cut and paste the first XXXX to address bar to check out who they were. It looked like a legit site and said if you receive unsolicited emails from them it was phishing and to forward the email so i did. But probably a mistake on my part because as stated above i keep receiving them. I have Not received a card as of today XXXX/XXXX/16 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They continually call for me at work which I have twice called and left messages stating I am not allowed personal calls at work but have continued to receive them from the same XXXX XXXX I leave the message with. The only information I have been given is the name of the company which is Midwest service bureau. She calls and leaves messages at work for me but never has she left a message on my personal cell stating who she is or what she wants in addition to her only calling me from a blocked number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rented a car from XXXX XXXX XXXX, returned the car as scheduled only to have the agency charge me for excessive fee, ans still claims that I owe them money 

Company response: Company chooses not to provide a public response
Consumer complaint: when Macys changed their billing info to a different bank, they changed m account numbers, moved purchases bought on Macys Am Ex with a 16 % APR to Macys Store with a 25 % APR without telling me. They also shut me out of my account on line and as such after 8 months of phone calls could not get them to send paper statements. I paid each month by phone w/ no idea of what was in the billing. I was unable to return items in this period as they had changed the account numbers the billing and original receipts did not match, Many calls to customer svc then many emails to CEO XXXX XXXX, a XXXX called and got me on the web site and arranged for me to return the items had been unreturnable for more than 10 months. But XXXX went on vacation and after returning items ( with much hassle ) we demanded interest adjustments. XXXX denied claiming the interest charged paid on items never worn with tags pristine was rent for the item - ie one return had cost {$55.00} in XXXX and by the return time interest had accrued on it for an addition of {$250.00}. That 's just one of the items returned. We debated with XXXX who then accused my mother and self of having " taken '' stolen the items we were returning. We have the original receipts - and they Macys Am ex number charged on does not match the new account number Macys gave us to increase the interest 9 %! Even sending proof in email they refuse to deal with the real issues - Changing account numbers! Moving the XXXX to store account to increase interest from 16.9 to 25.8 % which elicited Macys XXXX of dollars in interest, Calling us thieves and slandering us, failure to credit interest adjustments, and when we placed the account inn dispute continue to charge interest. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian Credit Bureau charged {$21.00} on XXXX/XXXX/16 and {$39.00} XXXX/XXXX/2016 to my XXXX XXXX XXXX. This is excessive charges that I would like to dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been going to this dentist, here in XXXX XXXX, CA for a couple of years. In XXXX of this year, I received a collection notice from them. I called questioning the letter, since I had just had an appointment and was asked to pay {$60.00} ( my out of pocket expense ). When I got the collection notice a few weeks later, I called and told them about this collection letter and was told that the person that handled billing was not in, so I left a message asking for a return phone call. I got a call from someone and I explained the situation and she looked at my file and she told me that I had no balance. I was then called to confirm an appointment for XXXX. If I had an account in collections, then why did they call me to confirm an appointment? I canceled the appointment due to this unresolved matter. Any company you owe to, would not do business with you until you pay what is owed. My concern is that I was first told I had no balance ( after my out of pocket expense ), and then I am in collection, without an itemized statement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: WE APPLIED FOR A LOAN MODIFICATION. DITECH RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED INFORMATION, WHICH WE ACTUALLY HAD SUBMITTED. WE RESUBMITTED FOR THE 2ND TIME, AND DITECH AGAIN RESPONDED BY SAYING THAT WE HAD NOT SUBMITTED THE REQUIRED INFORMATION, WHICH WE HAD SUBMITTED TWICE. THE PAYMENTS, WHICH WERE NOT RECORDED CORRECTLY BY DITECH, WERE " LATE '' ACCORDING TO DITECH, AND THEY SAID AFFECTED OUR CREDIT RATING. HOWEVER, THE PAYMENTS WERE INCORRECTLY AND INTENTIONALLY INCORRECTLY APPLIED BY DITECH TO DEMOLISH OUR CREDIT RATING, SEIZE OUR PROPERTY, AND REFUSE TO GIVE US A LOAN MODIFICATION. WE HAVE NEVER, REPEAT NEVER, FAILED TO MAKE A LOAN PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007, EVEN WHEN THE PROPERTY WAS AND STILL IS DISMALLY UNDERWATER. WE HAVE FAITHFULLY CONTINUED TO MAKE HIGH INTEREST PAYMENTS FOR WHICH DITECH CONTINUOUSLY ATTEMPTS TO DERAIL OUR CREDIT, OWNERSHIP OF OUR PROPERTY, AND OUR GOOD STANDING. THIS COMPANY 'S PRACTICES APPEAR TO BE FRAUDULENT AND CONTINUE TO PLAGUE US, CAUSING A VERY SIGNIFICANT DEGREE OF EMOTIONAL DISTRESS AND FINANCIAL HARDSHIP BECAUSE DITECH ENGAGES IN WHAT APPEAR TO BE NEFARIOUS PRACTICES THAT SEEM TO BE NOT CONDUCTED IN GOOD FAITH IN AN APPARENT ATTEMPT TO TAKE OUR MONEY AND HOUSE ANY WAY THEY CAN. DITECH ALLEGES OUR PAYMENTS ARE OVER 30 DAYS LATE, BUT NEVER HAVE WE SUBMITTED A PAYMENT OVER 30 DAYS LATE. NEVER. THE TRUTH IS THAT DITECH INCORRECTLY RECORDED PAYMENTS AND REFUSES TO CORRECT THE RECORDS OR ACKNOWLEDGE THE PAYMENTS. WE HAVE NEVER MISSED A PAYMENT, AND WE ARE HONEST PEOPLE DEALING WITH AN APPARENTLY DISHONEST COMPANY. WE CONTINUE TO PAY NEARLY 7 % FOR OUR MORTGAGE AT GREAT HARDSHIP TO US, AND THIS IS INEXCUSABLE WHEN INTEREST RATES HAVE BEEN AT AN ALL TIME LOW. I AM SOON TO BE XXXX YEARS OLD AND HAVE BEEN AROUND A LONG TIME AND HAVE NEVER DEALT WITH SUCH A NEFARIOUS SITUATION. FURTHER, OURS IS A XXXX XXXX-GUARANTEED LOAN, WHICH FURTHER REMOVES ANY RISK FROM DITECH. THEY DO N'T WANT TO MODIFY OR REFINANCE MY LOAN BECAUSE THEY WANT TO CONTINUE TO CHARGE US NEARLY 7 % INTEREST AND THEY MAKE CONTINUOUS OVERTURES TO TAKE AWAY OUR HOUSE, EVEN THOUGH WE HAVE NEVER MISSED A HIGH INTEREST PAYMENT SINCE WE PURCHASED THE PROPERTY IN 2007. WE WITHSTOOD THE RECESSION WHEN EVERYONE ELSE ABANDONED THEIR PROPERTY. WE CAN NOT GET ANY RELIEF FROM THIS HORRIFYING SITUATION AND BELIEVE THAT DITECH SHOULD BE SHUT DOWN. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Retrieval-Masters Creditors Bureau, Inc calling from ( XXXX ) XXXX is calling my cell a minimum of twice every single day including weekends. If I answer there is no person or message, I have no idea what these calls are referring to as my current credit report does not list them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Around XX/XX/XXXX I disputed a negative item on my credit report for all XXXX bureaus. I was successful on the deletion. In XXXX this same collection account resurfaces, under a different collection agency. After some google searches i found out it was technically the same agency they just changed their dba. I received an alert thanks to XXXX of the reinsertion. I disputed it immediately unfamiliar with the charges, just like last time. Now it comes back " verifiable '' within 6 days of the dispute. A week later it hit my Experian file, I dispute with them as well and again they " verify '' within days of the dispute date. I know it takes a little time for sites like XXXX to update to show a collection. I not once received written correspondence telling me this collection was being reinserted into my credit report. And after some digging I found out the credit bureaus have 5 days to let me know. It is now XX/XX/XXXX and I have yet to receive correspondence from Experian nor XXXX. Hopefully it does n't hit my transunion file as well as I have n't received anything from them either. 

Company response: Company chooses not to provide a public response
Consumer complaint: I joined XXXX of XXXX ( club # XXXX ) on XXXX/XXXX/XXXX. 

On XXXX XXXX, XXXX I was provided notice from XXXX corporate that XXXX XXXX ( club # XXXX ) would be closing on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I provided XXXX with written notice to cancel my membership as a result of the closure and I stopped paying membership dues for the XXXX XXXX XXXX XXXX. 

In reviewing my credit report, I discovered that the remaining membership dues were sent to collections ( OMEGA RMS # XXXX ). A consumer should not be obligated to pay club dues for a club that is no longer open, however, the collection agency continues to report this matter to the Credit Reporting Agencies, this has a negative impact on my credit score. 

For additional information, please refer to the NYS Attorney General Investigation relating to XXXX. 

Your assistance in resolving this matter and clearing up my credit report is greatly appreciated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts I disputed. Being that 30 days have passed and they can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been battling with this company for months. They are a debt buyer and they are trying to force me to pay them for a debt that they do not have any legal right to do so b/c I have never entered into a contractual agreement with them so therefore I 'm not financially or legal obligated to pay them. They are not servicing the loan on the behalf of the orginal creditor and the original creditor is n't trying to collect on the loan. 

Company response: Company disputes the facts presented in the complaint