AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am in receipt of your online. '' I am upset that your credit reporting agency ( Experian ) would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

1 ) I have call XXXX and talked to XXXX XXXX X XXXX and she stated XXXX never validated info with Experian and similar response from XXXX XXXX. 
2 ) You never investigated XXXX delinquent date which was XXXX XXXX. Expired in XXXX XXXX 3 ) Please re-investigate of all these accounts XXXX delinquent date 4 ) It is past 7 years in XXXX XXXX If you have any questions, please contact me at the address listed below. 

Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I submitted the dismissal with prejudice letter to all XXXX bureaus, and was told that XXXX XXXX XXXX still could legally report even though I am not liable for the debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX I responded to a final notice from advocate health care by phone and talked to XXXX at XXXX and asked for a payment plan of XXXX month paid bi-weekly XXXX told me she would have to refer the matter to management and would call me back with an answer.I never received a call so i sent a XXXX payment via : money order # XXXX on XXXX/XXXX/XXXX I called again on XXXX/XXXX/XXXX and talked to XXXX at XXXX who said was sent a letter agreeing to payments of XXXX bi-weekly and informed me my account was sent to collections and could not be returned.I complained I was never called as promised or told to look for the decision in the mail. XXXX transferred me to XXXX where i spoke with XXXX who told me I made a payment on XXXX/XXXX/XXXX and the account was sent to collections on XXXX/XXXX/XXXX I informed her my money order dated XXXX/XXXX/XXXX was mailed on the same day XXXX/XXXX/XXXX. XXXX informed me she would send a email to the in house self pay unit who would contact me in XXXX hours this was XXXX on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from a collection agency dated XXXX/XXXX/XXXX with a threat to seek judgement from me for the full balance not minus my XXXX payment. I went through my mail and found a payment arrangement letter from XXXX dated XXXX/XXXX/XXXX that demands a minimum payment of XXXX not the XXXX bi-weekly payment i asked for.I still have not heard back from the " in house '' self pay department. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am not sure what this is from, the company has not contacted me but refuse to update my credit report. 

The dates when this is was from was when my identity was stolen. I had a fraud alert placed on my credit report but after removal this showed up. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am going to upload a XXXX page letter I sent to XXXX XXXX, who represents Ditech, my lender, and they have announced foreclosure auction on XX/XX/XXXX!!!!! Need Division of Banks to call Ditech at XXXX IMMEDIATELY to ask for a 60 day postponement of the sale, since it is now 7 business days before the Auction. 
Ditech address is XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Account number is XXXX my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and my email is XXXXXXXXXXXX, my phone is XXXX or XXXX. 
I need to know RIGHT AWAY if Ditech will agree, I faxed them a complete copy of my letter and XXXX documents to XXXX XXXX, their lawyer, on XXXX/XXXX/XXXX at XXXX XXXX. 

I had a predatory loan through XXXX that I believe is INVALID XXXX does NOT own both the Note and Mortgage, as Ditech says, and can not therefore foreclose The notice of default is defective, sent by Ditech rather than the XXXX Order of Notice under Servicemembers Act is over one year old XXXX, through Green Tree, has waited more than 5 years to foreclose since our last paym, ent XX/XX/XXXX I want a Temporary Restraining Order for 60 days so I can further investigate the unfair and deceptive practices of all lenders, banks and attorneys. Please see XXXX documents. 

XXXX and XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over 12 years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a car loan that I requested the extended warranty and the gap contract to be cancelled ( total amount = XXXX ). This cancellation requested has been submitted to the dealership since the end of XXXX. After a long time waiting, I called the dealership back and they told me that they would be sending the refund check once again to Ally. Today, XXXX XXXX XXXX ) I called the dealership and I was informed that the check had been sent last week and it was cleared on XXXX XXXX. However, I have been speaking with Ally every day and even today, they have been claiming that no check has been received. I have requested Ally innumerous times requested to verify the information with the dealership but they refuse to do so and the dealership keeps telling me that the funds were already taken by Ally. I do n't know what to do anymore. XXXX dealership and Ally need to figure out what is wrong. AGAIN, THIS WAS REQUESTED SINCE XXXX AND UNTIL NOW NOTHING HAS BEEN RESOLVED. If I miss a payment, ALLY would be calling me EVERY DAY, so I expect them to solve this problem IMMEDIATELY. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: there was a judgement against me through iberia bank. in sometime in 2015 XXXX XXXX, with iberia bank agreed to settle the judgement. We settled in the amount of XXXX and this would wipe out the judgement, interest and all. Have document to show i paid out about XXXX to release me of all debt and yet this judgement is still on my credit report. please advise what my next step is. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Mortgage Servicing Fraud False fraudulent statements by XXXX XXXX and XXXX XXXX Not sure why Suntrust would employ XXXX fraudsters in the banking business to deal with issues of this nature - XXXX employees that constantly provide written falsified evidence even in contradiction with the Suntrust statements - maybe they believe that the borrower has No original receipt or statements? Well No such LUCK! 

Suntrust employees providing falsified written evidence about the time line when payments were received -letters do not correspond the statements or payment receipt. 
This will only address the late fees charged by SunTrust for the XX/XX/XXXX, XXXX & XX/XX/XXXX payments@XXXX which were made on time and also reported delinquent to the CRA 's. 
The borrower was charged late fees for these on time payments ( see attached letter ) Suntrust XXXX XXXX after her investigation states that : - XX/XX/XXXX payment was received XX/XX/XXXX ( see letter ) when infact it was XX/XX/XXXX according to statement & payment receipt. 
- XX/XX/XXXX payment was received XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
-XX/XX/XXXX payment was made XX/XX/XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
By concealing the time line of these made payments Suntrust will try to conceal & justify {$280.00} charged for late fees. 
The late fees charged for XX/XX/XXXX through XX/XX/XXXX for all on time payments will also be addressed a total of {$920.00} ( including the above {$280.00} ). 
It took years to gather evidence against these XXXX individuals ( some of the responses are letters addressed to my CPA ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The Hunt & Henriques Attorneys would begin calling my cell phone XXXX XXXX XXXX XXXX and Home XXXX XXXX XXXX XXXX since XXXX XXXX until XXXX XXXX. They would call several times between those hours. It got so bad that I had to end up changing my phone number, just to avoid being called all day. 
Al Then they began to stalk me in front of my home. They would park and watch me maybe about XXXX15 min. This would take place during the week. They kept on doing this until they saw my husband outside and ask for me and gave him the court order that they were suing me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud 

Company response: Company chooses not to provide a public response
Consumer complaint: transunion is reporting a judgement on my account from NJ Superior court XXXX this judgement has been vacated.XXXX pLease remove this judgement asap. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Male from collection agency came to my mothers home and issued her paper work regarding my debt.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid off the Loan yesterday XXXX/XXXX/2016 and today I when I look at my bank account I find that they took the pay off payment twice. When I called them I was told that I set it up to pay if off twice. Which I did not do. I was told that it could take 10 to 14 days to get the overpayment back. When I asked about all the overdraft charges I was told that they would not refund them as I 'm the one that set the payment up twice. When I asked to speak with a manager I was put on hold and then hung up on. I have tried calling 3 time this morning and have gotten nothing but the run around. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX/XXXX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XXXX/XXXX/XXXX and spoke to a customer service representative and a manager. I asked them for the reason why my account was closed without any warning and they basically just repeated what the letter had stated and that they could not provide any more details. I told them that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$1500.00} if they are redeemed towards travel expenses such as hotels, airfare, etc. I was travelling to XXXX in XX/XX/XXXX and XX/XX/XXXX. Had planned to use my points for travel during that period. But they cancelled my card while I was in XXXX and hence could n't use Barclay card during my international travel at all. I am unhappy with the way that they have closed my account. I have never ever been late on making payments and keeping outstanding balance well within my credit limit. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning. I was planning to downgrade my card to basic one anyways but they said there was not a way to do so and they would not even refund or compensate for my points that I accumulated for my international travel, which is what they point out as best benefit associated with the credit card to begin with. Its very unethical and rude on Barclay 's part and caused huge discomfort as I had planned to rely on them for the duration of my stay in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: i am filing this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the 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 chooses not to provide a public response
Consumer complaint: I was unaware that I am being Charged an inactive fee from BB & T bank in the amount of $ XXXX/month.I have it just as a little savings and my safety deposit box is also with them.These " fees '' should be deemed criminal, just because I do n't use the account once a month I am punished. 

Company response: Company chooses not to provide a public response
Consumer complaint: ComplaintDescription of the complaintI contact Navy Federal Credit Union on XXXX XXXX, 2015 regarding access my old account in order retrieve funds that was credit to the close account the reason for this they had told via phone several times that they can not credit the new account they have credit the old account which I do not have access to. I ask why would credit account that closed they stated that that was they policy. So today call will be see if I can have access to my account which have funds belonging I spoke to XXXX stated that I would will not be able access the account because the account is negative now I did cause the account be negative Navy Federal Credit Union authorizing transactions and hold me responiblity of Fraud Account I contact them and stated that this is a Fraud Transaction why then will I be held responible for fraud I did not do it. 

How complaint can be satisfactorily addressedThere 's alot of money coming up missing due to the lack of management of accounts and Product, Services and Navy Federal Credit Union is getting away with stealing member money a investigation is need to catch all involved with stolen money and mismanagement of member account and they should be charged and convited for all illegal handing. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX. 
I am also in the process of reporting them to the Federal Trade Commission ( FTC ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The debt buyer Dyck O'neal Inc has engaged in multiple deceptive, unfair, and misleading debt collection practices. Please closely review the violations listed below and supporting documentation I have included : 1. Dyck O'neal Inc purchased this " deficiency debt '' for only {$1.00} and then claimed I owe them {$100000.00}. However this is totally inconsistent with the final statement I received from the original creditor XXXX XXXX XXXX regarding this property which clearly states that the Balance outstanding was {$140000.00} and the Fair Market Value of the property was {$170000.00}, leaving NO deficiency and making this a phantom debt. ( see judgment assignment and XXXX XXXX XXXX Statement ) 2. The original action occurred XX/XX/XXXX, that is over 5 years ago. The statute of limitation in XXXX is only 1 year, making this time-barred. Also I am a XXXX resident and the statute of limitations in XXXX is only 90 days. So this also violates XXXX public policy. 

3. Based on the XXXX XXXX XXXX statement I provided, my drivers license, my credit report, my address has always been in XXXX. But based on the XXXX County Public Records website ( see printout from XXXX/XXXX/XXXX ), Dyck O'neal intentionally and willfully filed this lawsuit with a false XXXX address I have never lived. Potentially disclosing my information to a third party and commencing legal action and obtaining a default judgment without my knowledge. The sewer server service denied me the legal right to defend myself. 

Since I am a XXXX resident with absolutely no connection or contacts to XXXX. It 's difficult, inconvenient, and expensive for me get out-of-state legal assistance regarding this issue so I am desperate for the Consumer Financial Protection Bureau to assist ensure a fair resolution. 

I recently became aware of this after reviewing my credit report which dropped XXXX points. I also applied for a job, and after a background check they sent me a Fair Credit Reporting act notice ( see enclosed letter dated XXXX/XXXX/XXXX ). 

Not only is this embarrassing, but this illegally obtained judgment has devastated my credit score, damaged my reputation, causing me XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Capital Management Services has called me over a dozen times saying that they are trying to collect debt from me. I have no known debt what-so-ever and I checked my credit report and I have ZERO debt. Very confused as to why they continually call me. I have not answered and I do not plan to answer until they provide me with a letter or proof of said debt. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: CitiMortgage is the mortgage lender for borrower having a first mortgage lien. Due to an escrow account analysis the mortgage company increased the mortgage payment by approximately {$35.00} for the month beginning XXXX XXXX, 2015. The borrower inadvertently neglected to increase the payment by the {$35.00} for the first payment coming due on XXXX XXXX, 2015 and the mortgage company without notice to the borrower refused to apply that mortgage payment to the underlying loan. The borrower began making mortgage payments on XXXX XXXX, 2015 in the increased amount but the lender without notice to the borrower only applied the XXXX payment to the XXXX payment due. The same thing happened with the XXXX XXXX and XXXX XXXX, 2015 payments. When borrower made loan application for a new auto during the month of XXXX 2015, he discovered that the mortgage company had been reporting him 4 months past due thereby significantly damaging the credit rating of the borrower. Again, lender never gave borrower written notice or any notice that his loan payments were continuing to be applied as late simply because the mortgage payment was increased by {$35.00} due to an escrow account analysis. Borrower has not been able to obtain a mortgage loan to purchase other investment properties, and he was charged a higher interest rate with which to purchase a car. 

Company response: Company chooses not to provide a public response
Consumer complaint: Absolute nightmare to deal with it. Waited on hold for sometimes 30 mins for what I viewed as simple questions. Once a representative would pick up I would proceed with my question, if they did not know the answer they would simply hang up the phone and I would need to spend another 30 minutes to get a hold of someone. If the rep did not hang up on me I was usually provided in accurate information. Without question the worst company I have ever dealt with. Luckily I have closed out my loan and after an hour and half of attempting to verify the address where the tax documents would be sent, ( after 3 unsuccessful attempts ) I hope I never have to contact them again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized. 

Company response: Company chooses not to provide a public response