AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am divorced from XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me? 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a principal payment to Wells Fargo of {$40000.00}. They cashed the check on XXXX XXXX, 2015. They will not credit my account until the " cycle '' is up. Therefore, I am not receiving any interest on my deposit or credit on my mortgage. The amount I should get is {$4.00} per day. This does not seem fair to consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My son and I received the XXXX Mortgage Interest Statement-Form XXXX from Suntrust Mortgage , Inc. We noted in Block # XXXX that it reported {$5200.00} as " Mortgage interest received from payer/borrower. '' We noted that the XXXX Mortgage Interest Statement reported {$4700.00}. After making all payments in XXXX and the principal on the loan reducing, we do not understand how the interest paid increased from XXXX to XXXX when the principal decreased. By letter dated XXXX XXXX, XXXX to Suntrust Mortgage Inc., I requested a complete and detailed explanation as to why the interest paid on the loan increased when the principal decreased. So far no response! Phone calls to Suntrust have been unproductive. 

Company response: Company chooses not to provide a public response
Consumer complaint: After 25 Years an account from XXXX showed up on my credit report with a zero balance but a past due amount of {$6000.00}. I am trying to refinance my house and would like it removed due to age and unfairness of reporting such an old debt. I have filed a dispute with Experian XXXX, but have not received any resolution as of yet. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a deposit to open an account on XX/XX/XXXX. The hold policy, per their receipt, said that {$4800.00} would be available on XX/XX/XXXX. As of XX/XX/XXXX, no funds have been released from hold. I did an online chat to ask why the hold was still there and was told that the whole amount would be held until XX/XX/XXXX. 

This seems a clear regulation CC violation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Transunion to inquire about an address I did not recognize on a credit report they mailed to my home. They asked me for my social security number? The report came with a file number and I gave them that. I was then repeatedly asked for my social security number which I did NOT feel safe/secure giving to someone not in the United States. I tried to explain that since this document was mailed to my home and it had a " file number '' which should be unique to MY FILE that I should not have to supply my social security number especially to someone who demanded that I give it to them. Why do you still allow this or any company to ask for social security numbers to verify IDENTITY? 

Company response: Company chooses not to provide a public response
Consumer complaint: someone has stolen my identity and opened several accounts in my name as well as federal taxes in XXXX XXXX and XXXX XXXX ec't as well as who knows what el 's i have been incarcerated in XXXX for the better part of XXXX up to XXXX XXXX XXXX XXXX jail XXXX XXXX XXXX Have not given no one permission to use my name whatsoever period I am a Victim of Identity Theft by all parties weather knowingly or not and will provide law enforcement anything to bring those involved to justice 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I received an email from my Citi XXXX preferred credit card provider. My account had been closed due to inactivity. Not having been previously notified of the pending closure I contacted Citi for verification of the closure and tried to reinstate my account. I was not aware that I was required to use their card and provide a timely use of the card in order for Citi to generate the revenue that credit card companies enjoy. I asked why I was not notified previously to this upcoming closure. I also expressed that closing my account would negatively affect my credit report. Citi advised me that the actions of credit reporting companies was not their concern. I was told that I could apply for a new account and would be subject to approval according to the processes of a new customer. This requires a credit report inquiry and other personal information. Excessive inquiries of my credit report affect my credit worthiness same as the closing of my account. I requested my account be reinstated but my request was denied. I had not been using my credit card due to a previous action which reduced my credit limit to the balance owed. I questioned Citi for the decrease. I was informed that my credit report had been negatively affected due to a recent entry by another credit provider. I requested copies of my credit report. Instantly, I determined the negative entry. It obviously was not a reportable entry. The date of the reported entry was very old and had been entered in error. It was an obvious error which was immediately corrected. I contacted Citi with the information of the correction. As the entry was blatantly obvious as an invalid entry, I did not understand why Citi did not review my credit report for accuracy. An obvious error of date. Citi reduced my credit limit due to their lack of responsibility in the handling of my account. I quit using my Citi card due to the careless practices of their business procedures and lack of providing a business relationship conducive to ethics and fair practices. I did not want an account with Citi but new the negative result of closing a credit account. I sent an email to customer service. I received an email in return stating I could read their response by logging into my internet account which I could not access as my account had been closed. I then contacted Citi and was referred to a manager. XXXX. She could not repair the damage already created. She suggested that I apply for a new account. Unsure of how to proceed I agreed. I still have Citi reporting a closed account and added inquiry to my credit report. While reviewing my credit report, the only negative entry would most likely be reported by Citi. My credit may not be granted due to the actions of Citi. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm being charge a amount of {$1900.00} for some storage fees of a vehicle that I sold in 2007. A car that has not been in my possession for over 8 years. 


They claim that I owe the debt because I was the last register owner. I asked them how can that be if I never received any license fees, registration, smog requirements or any paperwork from the DMV stating that I own the vehicle, The Debt collector then stated that I must of never finished register process of the vehicle and that 's why I am responsible. I told them that the truck was under my name and I had it for 3 years and when I sold it I turned in my release of liability paper work to the DMV. There fore I should not be responsible for this debt. 

I did not sign or agree on any agreement for the yard which should make me free of this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has fraudulent information listed on my credit file from XXXX XXXX XXXX XXXX Numerous attempts to dispute this Inaccurate and Unverifiable information have been made with no remedy. Supporting documentation will be sent via U.S. Mail 

Company response: Company chooses not to provide a public response
Consumer complaint: Please help me prevent foreclosure to my property at XXXX XXXX XXXX which I have owned for twenty years as single woman head of house with no assistance nor help from anyone. After 15 months of continuously contacting my lender Ditech Financial/Green Tree Services denied my application over four times as a request for Special Forbearance and Mortgage per the investor request I have diligent prepared for months and worked directly with XXXX, XXXX XXXX & XXXX XXXX with NO Final Resolution and a unexpected/surprise Foreclosure Notice the day I submitted the final requested XXXX 2015 bank statement on the XXXX/XXXX/2015 the same day I received a notice I was denied plus received from the Attorney XXXX XXXX XXXX XXXX XXXX. foreclosure number. 
During the time Ditech Financial acquired Green Tree Service I was in process of completing the application process. Upon my attempts to make several calls to Ditch/Green Tree Services I have never seen such unprofessional non-responsive after contacting them for 15 months to work towards a mortgage modification resolution. I have numerous home repair issue I have attempt to repair using life savings and canceling insurance policies. I desperately need assistance to save my home from foreclosure as I have repeated called everyday since completing the Request For Mortgage Assistance application. I have the property listed and a buyer wants to purchase but no response from Ditech/Green Tree Services since XXXX XXXX, 2015. My roof is leaking, the foundation is cracking from the drive way unto the garage, my AC unit is not working and I can not afford to have all these items repaired. Again I have not been able to speak with XXXX XXXX my Ditech/Green Tree Account Representative for she is non-responsive plus continues to answer my calls but puts me on hold and returns to address my request for a Short Sale. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: At first it was pleasant smooth and an easy process I was told at XXXX that everything was finished and that I would receive my funds in 24-48 hours when I called about a confirmation email I was told at XXXX that my status was changed to decline with no reason why and when I explained to them about earlier conversations they claimed they had no record of approval for me when I tried asking for a supervisor none were there also the XXXX people that told me I was funded when I tried contacting them the mailbox was full XXXX I recommend you stay away from this company as they are a scam and play with people 's emotions 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a Citi Bank Credit card for several years. Never missed a payment and several times I paid it off in full. Never late. 
My card was to be renewed XX/XX/2015 and for some reason it was cancelled. I called Citi Bank and they could not give me a reason for cancelling this card. I talked to XXXX different people and they could not come up with a reason. One customer service rep told me, your were late with your XX/XX/XXXX payment by 3 days. 3 Days? I told her that was no reason and I had made the payment but their not processing it over the weekend seems to have made it late. 
Now, if they knew they were going to cancel this card why did they not tell us? I had paid it off, in full and then used it on vacation. Why did they let me do that, knowing they were going to cancel this account? Why can they not give me a reason and keep transferring me from one rep to another? That was a very dishonest move on their part. I feel they took me to the cleaners knowing this was going to happen and knowing they would be charging all these hidden fee 's. 
So now they are calling me round the clock mainly at work and hounding me over their mistake. Now I am being added late fee 's, over the limit fees and being turned into the credit bureau. 
I just made another payment today online ( XXXX/XXXX/2015 ) and their late fees and interests are way out of control. And this is their fault, they can not even tell me why they cancelled the card. 
I do n't mind to pay my debt but I am not paying unfair fee 's and penalties. 
And this hounding me round the clock after all the years I have been a loyal customer has got to stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: Kings Credit Services was paid in XXXX of this year for an old debt ( originating around 2010 ) earlier this year that was listed on my credit report as a result of a stipulation for qualifying for a loan to purchase a home for my family. In XXXX they served me and my spouse with a summons that they are suing us for additional old debt they found after they received the a check for the original listed debt. This collection agency never contacted us regarding any debt owed to them, nor attempted to collect it. The old debt was discovered by my lender on my credit report. Since paying them the collection agency has since filed a suit against me and my wife to collect additional old debt, ( approx : {$2500.00} in old medical services ), and in XXXX of this year listed the additional old debt from 2010 with credit reporting agencies, resulting in negative affects with our credit score. My question is if California has a statute of limitations on debt collection related to actions a creditor can take, how are they able to sue a time barred debt, and is n't that against the law? Not only that, the documents related to the medical services they sent me do n't match the amounts listed on the court summons for which they are suing me for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a phone call from a number located in Texas ( XXXX ) stating, " Hello, this message is intended for XXXX, my name is ( uhm ) XXXX XXXX I am calling regarding some paperwork that I received in my office today under your name and social security number. I need you to be advised that I have a request to put you on my schedule defined by the certified notice of intent regarding a pending case that has been filed against you. Before I stop by your residence or place of employment we wanted to give you a curtesy call and inform you that you are being put on my schedule to be served. ( Male coughing in background ) If you have any questions regarding this matter you do have a legal right to contact the following party at XXXX refer case number XXXX. Now just to be clear you are being put on my schedule for XXXX between the hours of XXXX and XXXX. Unless I hear differently from the plaintiff I will be out to see you at that time. ( Uh ) XXXX you have been notified. " I believe that these people are not who they say they are and are violating SS 807. False or misleading representations [ 15 USC 1692e ] of the Fair Debt Collection Practices Act. Specifically subsections 3 and 10. I am unsure of what else this person could be misrepresenting or falsely stating, all I know is that this is not the first time they have called trying to scare me into calling them back and conning me into giving them money or my information. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I made my monthly mortgage payment ( due XX/XX/2015 ) to LoanCare ( XXXX XXXX ) on XX/XX/2015. I have a pdf of the bank statement showing this was sent ( provided to LoanCare ). The bank showed they did not cash the check so I had it resent. I asked them to remove the late charge from my account as I did send my monthly payment. 
LoanCare replied on XX/XX/2015 From : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXSubject : RE : Delinquent Notice in Error ( XXXX ) Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Delinquent Notice in ErrorDear Valued Customer, Thank you for contacting us. 
Our records indicate your mortgage payment was posted to your account on XXXX and was backdate to the date received on XXXX/XXXX/2015. Also the late charged of XXXX was waived off your account on XXXX/XXXX/2015. Please allow more time for your XXXX payment to post to your account. 
Please feel free to contact us if you have any additional questions. 
Sincerely, Customer SupportXXXX XXXX, VA XXXXOn XX/XX/2015 I received a mailed letter dated XX/XX/2015 that I owed a {$25.00} returned check fee. I emailed them on XX/XX/2015 and XX/XX/2015 ( as they had n't responded ) the following : From : XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Saturday, XXXX XXXX, 2015 XXXX XXXXSubject : Re : Delinquent Notice in Error ( XXXX ) Customer Support, I am now receiving a bill from you for a {$25.00} returned check fee ( letter dated XX/XX/2015 ). I do not understand why I am receiving this. You sent me a notice stating you never received my original payment. I had the bank cancel that check and reissue the same payment. You sent me the note below that the late charge was waived and now you are charging me a returned check fee. This is all due to your inability to cash a check you had for almost three weeks and sent me notices stating you never received it. Please remove this returned check fee from my account. 

Thanks, XXXXTo date, I 've received no response from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I found many inconsistencies in the alleged amount owed & the interest accrued with respect to this account. I was forced to send a XXXX request to XXXX XXXX which was received by its agents or representatives XXXX in XXXX, NH at XXXX. XXXX XXXX failed to reply and through acquiescence agreed to all terms and conditions in the attached Affidavit of Fact, Verification/Proof of Claim Document. XXXX XXXX transferred the alleged debt to Delta Management Associates who are now claiming an alleged debt subject to the provisions of the FDCPA in regards to the attempted collection of an alleged debt owed. XXXX See : XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX. New York, XX/XX/XXXX, and XXXX v. XXXX, XXXX. XXXX. XXXX, XXXX XXXX. Illinois, XXXX. XXXX, XX/XX/XXXX I have not applied for, neither received any services or credit with either party. I also have no account and/or contract with XXXX XXXX or Delta Management Associates, nor do I wish to contract. Neither party has a bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX s ) and or Representative XXXX s ) are frivolous. Neither party has provided ( 1 ) authenticating proof from the Secured Party Creditor that they are authorized to collect the alleged debt on their behalf ; ( 2 ) nor is either party in possession of the security granting them the rights to interest in the collateral per Article XXXX of the XXXX. XXXX XXXX a ) ( XXXX ) [ XXXX ] ; ( XXXX ) in addition XXXX parties are making multiple enforcement claims on the same note. 

Company response: Company chooses not to provide a public response