AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: These people are trying to open and put XXXX items that were closed and removed off my credit report.it was removed by this company on XXXX XXXX 2015.these people are messing my credit up.I do n't get any were with them.every time I apply for something it shows on my report that they it open.these people can not open something that has been removed for your credit report.also asked bout the birthdate on XXXX credit report they have my birthday incorrect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Account for XXXX XXXX should be removed due to it being on a home that was foreclosed on and the XXXX late for this trade line was over XXXX years ago. This account was removed from my credit file with XXXX and XXXX, see attached credit reports. This account was joint with my wife and was removed off of my wife 's credit report with Experian, please see attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I received a credit card inquiry for Wells Fargo/Dillard 's. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint today is that I am having issues opening a bank account because there are multiple inquiries showing on my file that have been related to fraud. I have filed a police report and i have also filed an amendment to my police report because this has been an ongoing situation. The only inquiry that should be on my Chex-systems file is with XXXX XXXX XXXX XXXX union which is a valid account that I opened. I am requesting for the other inquiries that are fraudulent to be removed from my chex systems file. The only XXXX reporting should be XXXX XXXX XXXX XXXX union. The fraudulent inquiries showing areXXXX XXXX XXXX XXXX XXXXXXXX ( PLEASE DO NOT CONFUSE THE FRAUDULENT XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX IS VALID AND BELONGS TO ME ) 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is closed. The bank no longer exists. I had a secured credit card with the company and they folded in the middle of the account. They took my money and I could n't contact them. I found them years later and disputed it. They sold the account information to capital bank which is also on my report and capital bank re-aged and opened accounts with no proof of contract or nothing. XXXX XXXX XXXX is no longer in business and legally if they are not how can they report on my credit report? I need a answer in writing or some kind of proof that says that is legal. They also kept {$200.00} and the {$50.00} or something to open the account. 
This is the XXXX complaint 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX,2014 I received a letter from Bank of America. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX veteran. I had fallen and I told the ambulance driver to take me to VA hospital, they said no they will kill you there. I have spoken to XXXX. XXXX they were supposed to have this taken off. I have been unable to get Experian to take it off. I have a company who bought my lien from XXXX. That was supposed to have been taken care of when I filed bankruptcy XX/XX/XXXX. I have been trying to keep my house from foreclosure. XXXX a company I had never heard of sent me a certified letter telling me I had 6 days to come up with XXXX for a XXXX. Loan I had been making payments since XX/XX/XXXX. I am going to close on XXXX XXXX. My interest is at 11 % I had paid my XXXX mortgage XX/XX/XXXX they never contacted me. I have been ripped off by attorneys, XXXX that tried putting me through another chapter XXXX, XXXX kept XXXX. The other was through legal aid. XXXX XXXX XXXX a month after 4 month 's told me they did n't have jurisdiction in Texas took 3 months to get my money back. XXXX took XXXX a month for 6 -7 month 's, told me that they could n't help after telling me lies. I have not received my money or anything showing what they did for me. I never went through bankruptcy but they say it will stay on my credit report for 7 years. My credit score has cost me XXXX and I do n't know why they are able to destroy you. Why was XXXX never on my credit report, why did I just have 6 days to keep my house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received. 

Company response: Company chooses not to provide a public response
Consumer complaint: They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America returned XXXX electronic payments I had made to pay XXXX bills, even though there were more than sufficient funds in the account to cover the withdrawals. They then charged me {$35.00} each for the XXXX returned items. 

I just received the notice from Bank of America of the supposed overdrafts. XXXX payment was for {$200.00}, and the other for {$150.00}, or a total of {$350.00}. On the notice, it clearly states " Your account balance was {$6000.00} after we processed these transactions ''. Clearly they were aware I had over XXXX XXXX dollars in the account, but yet they returned XXXX items for {$350.00}. 

In addition to the {$70.00} in fees BOA is charging me, XXXX of the payments was to the IRS. Since the {$200.00} IRS payment was returned, the IRS has billed me a {$200.00} fine for the late payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the past XXXX months, XXXX, XXXX and XXXX of XX/XX/XXXX bank of america 's fraud department has continuously flagged my account and prevented me from making purchases at any automated fuel pumps. On each occasion I 've had to call and verify that I am in fact the person making the transaction. I 've also called to have my account unrestricted but, the problem still was not resolved. After speaking with a supervisor on my XXXX consecutive call I was told that it was because they had a wrong address in the system. However the problem still persist today. I 've had this account since XX/XX/XXXX and have been a loyal customer for years I find it extremely disappointing not to mention concerning that I can not count on my financial institution. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX with Feldman and Stern at XXXX has called multi times threating myself and employees at my that he is going to sue me if I did not contact him. I talked to his on XX/XX/XXXX that the following week I would return his call and make arrangement on the debt. He refused to accept this and started calling my work every hour and to calling my husband works as well threating him and other employees there as well. He has cused out a employee at my work thinking it was me.XXXX XXXX has been told not to call our works and to call our home phone. He will not accept this and now he is calling the works phones giving a different name and threating to come in person to our works to collect the money. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: i have submitted my XXXX I 'd number and group number to XXXX hospital about my charges while I was in hospital. Plz dispute this owe debt on my credit score .thx 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Capital bank is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX Bank which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account. 

Company response: Company chooses not to provide a public response
Consumer complaint: GMAC continues to report negative information and an outstanding balance even though the account has been discharged in a chapter XXXX bankruptcy. The credit reports do not reflect a zero balance nor do they state the account is included in a chapter XXXX bankruptcy. 
I have disputed this with all the credit reporting agency 's without any response. 

Company response: Company chooses not to provide a public response
Consumer complaint: With our move to California we purchased a new home using the mortgage arm of the builder Universal Home Mortgage. Before we signed a contract with the builder we made sure everyone knew our closing expectations. We had a tight deadline to be out of corporate housing and it was communicated to all parties engaged. While our loan was not a standard vanilla file, most of the documentation had to be sent XXXX or XXXX times. In many cases I would forward the prior emails attaching the documentation needed. When it came down to closing they still hand not heard from the investor so they proceeded with self funding but before they would agree to do that, they had us sign a Cooperation Letter basically stating that we would cooperate with them after the closing on any documentation needed. Once we closed on the property the list of requests started to increase, they wanted checking and investment account statements for post closing, asked for additional letters of verification from my XXXX account and then stated that some of the documentation I provided was screen copies versus actual statements ( which was totally inaccurate ). I resent all the documentation they asked for again while receiving emails asking for status of the outstanding data. The builder side of the equation was fantastic, they made our home buying experience great. The President of the building division called and allowed me to walk through the challenges we had. He suggested I send the information to UAMC 's President ( which I did, but have never received a call or email back ). The more I questioned their processors it seemed the more documentation they would ask for me to supply. Today I sent them the last piece of documentation I was waiting for from XXXX. I am hoping that I can now consider this chapter in our lives closed, but hope and pray that no one else goes through the nightmare that I went through. Multiple copies of the same information, being told what I sent was not really what I sent and questioning every aspect of the documentation. I could see someone losing XXXX or XXXX pieces of data, but almost everything had to be sent at minimum XXXX and more like XXXX times to them. Their phone interaction was short and abrupt, customer service was not their strong point. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card company charged me {$26.00} for late fee on a {$20.00} interest at the end of this billing cycle. My due date used to be on the XXXX but they moved it on the XXXX without my knowledge. The law says that a credit card company for instance ca n't charge you more than {$25.00} for late fee if your interest is {$25.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent Green Tree a payment for XXXX and XXXX and a late fee for XXXX. Green Tree credited XXXX payment but put the late fee and XXXX payment toward an extra principal payment for XXXX, so now they 've made my XXXX payment late and I have another late fee! I have tried to contact them by phone but it is impossible. No matter which number I call or button I push or what I say to the automated system it ends the same, a robotic voice says " you 've reached an invalid extension " and then it hangs up. Green Tree 's customer service is non existent. Green Tree is evil. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Wells Fargo sent me back my check I deposited but never notified me then charges me over {$500.00} in overdraft fees XXXX of them for spending XXXX cents. 

Company response: Company chooses not to provide a public response
Consumer complaint: i was sent a letter from fair collecting outsorcing in an amount was outrageous I asked for an accounting of the amount owned to see how it could be that much. I was told to be patient to wait a few weeks that they would get it for me. I then contacted my lawyer who sent a letter to the credit reporting agancy to dispute the debt. The last inquire I sent to XXXX was that they did not have the accounting history available it has been over XXXX days since the inquiry with XXXX and XXXX by law XXXX days it is to be taken off my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is against Paypal. Back in 2001 I was on a Paypal account which had a chargeback. Since then the company I left the company I had been working with and set up my own Paypal account. About 10 years later, Paypal took away my personal account and stole the money that was in it at the time ( XXXXXXXXXXXX ). I have tried to work with them since then and their representative told me, and I quote " you are simply XXXX ''. I ask for the help of the CFPB here. I did file a XXXX statement when they stole the money which I will attach to this complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX : My wife and I refinanced our XXXX, XXXX house to purchase a lot. It took a mortgage, equity account, and a lot loan. Mortgage is through Wells Fargo. Equity Line of Credit is through XXXX Bank. Lot Loan is through XXXX. XX/XX/XXXX : Went to Wells Fargo Bank Branch at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. to try and refinance with HARP to reduce interest rate of 6 3/4 %. Loan officer laughed at me and stated they do not have to recognize HARP since they are earning better interest. XXXX XXXX : My wife did not want to wait to move. We put house on market, could not sell due to market crash. Rented out house. Moved from XXXX to XXXX, XXXX. Rented out house until XXXX XXXX. Put house on market again. Still upside down. Applied for short sale process with Wells Fargo and XXXX Bank XXXX XXXX. Discussed short sale with Wells Fargo and XXXX online, on phone, and received paperwork to fill out and submit. Paperwork is over XXXX pages. Sent by email, fax, us postal, and certified. One year later, and with assistance of mortgage attorney, XXXX, of XXXX, XXXX, No responses. We had offers to buy at short sale prices, No responses from either institution. Since process has been a year, multiple representatives from both banks by mail, email, and phone. No responses. Both banks deny ever receiving any application for Short Sale. Attorney resends updated applications and documents. Both banks again deny ever receiving applications and information. Both banks state they do not have to recognize short sale application ( s ) even if they did receive them. Rather than losing a little money in short sale, The banks would rather spend time and money on foreclosure. XXXX XXXX. Real Estate Attorney, XXXX recommends stopping payments to Wells Fargo and XXXX to get their attention. Both banks begin sending many letters and calling me XXXX times daily demanding payments. I inform them and our attorney inform them that we are trying to negotiate a short sale. Banks refuse to acknowledge. All prospective short sale buyers walk away. Keep trying to sell house in XXXX. Wife files for divorce. Divorce court orders I stop payments for XXXX House and Equity Loan. Inform them already did as of XXXX XXXX. Wells Fargo submits legal claim XXXX XXXX, XXXX for foreclosure. XXXX XXXX, put lot on market for sale. Receive offer in less than week. Enough funds from sale will balance the money owed on XXXX house. Wells Fargo refuses to acknowledge funds and wants to proceed with foreclosure instead. Why would Wells want to proceed with cost of Foreclosure? Why would Wells Fargo turn away so many good buyers? As an XXXX, this is a home I spent XXXX years renovating. I put quality finishes, energy efficiency, sustainable detailing. Wells Fargo does not care. Please note : The mortgage with Wells Fargo is an interest only account. Upon the direction of my wife, to keep the mortgage payments reduced, we went with interest only with the intent of keeping the house only a few years before building on lot and moving. Did not happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not investigating accounts in my credit report that are reporting incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone hijacked my VA Pension check by ordering another card in my name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There was a fraudulent late fee added to monthly payment. Statement history does not match the information that servicers are giving me. According to information provided by Wells Fargo, the late fee is n't a late fee, but rather accrued interest placed in the late fee section because " there was nowhere else to put it '', despite there being a section for outstanding interest. I was told this was the result of an adjustment and the late fee has nothing to do with XX/XX/XXXX, but was not reflected on my bill due XXXX/XXXX/2015 because the adjustment was done after that date. As I have issued complaints with the CFPB several times about similar issues and nothing has changed with the practices of this company, I no longer wish to deal with this company any longer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is raising my payment from {$1300.00} to {$2900.00} while in bankruptcy, the only reason they are giving is because they made a mistake, and the insurance is not even included. Please help me! 

Company response: Company chooses not to provide a public response
Consumer complaint: A.R.M. Solutions Inc. has attempted to collect a debt on behalf of The XXXX XXXX ( newspaper ) for an alleged charge I never agreed to. I contacted both A.R.M. ( the collection agency ) and XXXX XXXX XXXX. Both agreed to stop calling, but neither offered to clear the erroneous charge from my record without written follow-up from me, which I believe is unnecessary since there is nothing in either of their files to substantiate that the debt was rightfully charged in the first place. I believe both companies should be warned or charged for both fraudulently originating charges as well as aggressively attempting to collect on such charges, and finally for not promptly and simply taking action to remove the erroneous information from their tracking systems without undue burden on me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/2015 received via mail a letter stating I am past due on a loan with Ace Cash express. 

I have never had a loan or any other dealings with Ace Cash Express. 

I called the number on the letter. Credit department acknowledged that it was a fraudulent loan. From what she told me this was an internet loan. An internet loan : Really. Hard working Americans ca n't get a mortgage and they send money without even knowing who they are giving the money to. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company