AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My wife and I borrowed to buy our home from XXXX XXXX XXXX XX/XX/XXXX. She passed away suddenly on XX/XX/XXXX. My mortgage had been purchased by Wells Fargo Home Mortgage several years prior. The people denied all help and even made reference to my XXXX marriage saying I could use my " XXXX '' as an excuse to blame their treatment of me after my wife of almost 20 years passed away. The person that make the insulting statement was XXXX XXXX. He spelled it for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost XXXX of 22 years due to the changes in the economy and stop making payments to my Mortgage loan after few moths I was in foreclosure and I hire an Attorney to help me with the foreclosure almost a year later I was inform By the Bank XXXX that if I paid my XXXX mortgage at a reduce amount they will grant a loan Modification. after the payment was made They offer a 6 months trial payment and I proceeded and pay the second mortgage and pay the 6 months Trial period. after the trial period was finished the bank never contact me and I blame the attorney for not working diligent and hire a new Attorney one year pass and I received a Letter from XXXX telling me that will not longer servicing my loan and they will transfer it to Green Tree after the transfer it took Green Tree almost a year to grant the loan modification where my loan was modify at a higherinterest and increase my Principal in {$140.00} to bring the account current. 
I was surprise because the loan was to much for my income but I did not want to loose my home. 
After the loan modification was in place for the amount of {$4100.00} the bank change the payments 3 moths later to {$4200.00} and then to {$4300.00} and in XX/XX/XXXX the payment was increase to {$5400.00} Once more time I contact the bank to understand why the increase was for and they said that the taxes for XX/XX/XXXX and XX/XX/XXXX where not paid that accounts for {$10000.00} and {$11000.00} totaling {$21000.00} but the banks send a bill for 44 payments of $ XXXXWhen I ask the bank to explain all this charges they can get a clear answer and also said that the overcharges will be apply to the principal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The phone number calling is:XXXX. I received XXXX calls between XXXX XXXX and XXXX XXXX ; sometimes getting XXXX calls a day. Most of the time I would answer and they would hang up. Once in that time a recorded message said " Please be advised this is not a telemarketing call ; this is a business call for ... CLICK ''. 
On XX/XX/XXXX the same ph. # came up, I picked up and said " hello '' several times, nobody said anything but they did not hang up right away, so I said '' You interruppted a very important call, you 'd better say something this time or DO NOT CALL BACK, STOP CALLING THIS NUMBER! Then they hung up. 
Later that same day that number called again. I answered, again, they said nothing. I said, " I TOLD YOU NOT TO CALL BACK, I AM REPORTING YOU. STOP CALLING ME ''. I then submitted a claim to the Do Not Call site, as I have been on that registry for years. 
On XX/XX/XXXX they called not once, but twice. The first call that came in I was able to say '' YOU HAVE BEEN REPORTED, DO NOT PHONE THIS NUMBER AGAIN ''. 
On XX/XX/XXXX another call came in on the answering machine, so I again submitted a complaint. 
Today, XXXX XXXX, The message on the answering machine was different. Still a recorded message. The message said XXXX XXXX was a debt collector looking for? XXXX XXXX? If I continued to listen to the message then I was acknowledging that this person was at this number. 
I was not home when this call came in. This entire call was a recorded message. I do n't know who they were looking for. I could not understand the name, It sounded like XXXX XXXX, XXXX XXXX,???? I do n't know. But, I do know that this phone number has continued to call here after being reported XXXX, and told several times to stop calling. This is the first time they gave any names. Of which I do not know any of them. I do not know who this XXXX XXXX is. I do not have any debt anywhere. The end of the message said if I had any questions to call XXXX. 
I did not and do not plan on calling that number. I do n't need another number phoning me all the time looking for someone who does n't exist, at least, not at my home. and is n't a name I recognize. 
If you can do something about this, that would be great I am not happy with this caller phoning now a total of XXXX times between XXXX XXXX and XXXX. It is very annoying, and harassing, and I really would like it to stop if that is possible. Thank you for your time in reading this. 
***I WOULD LIKE TO SUGGEST THAT YOU NOT GIVE THEM ALL OF MY IDENTIFYING INFORMATION AS I DO NOT HAVE ANY DEBT OF ANY KIND WITH ANYONE. AND THE PERSON THEY WERE LOOKING FOR, WAS NOT ME, BUT SOME PERSON, BY A NAME THAT I DO NOT KNOW. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America reported my missing payments to my credit history in the midst of reviewing my loan modification application. I was originally told that I would not receive the modification ( and was approved ), then told that I would not be reported in the midst of the process ( which I have ). This has impacted my ability to secure future home loans with other lenders. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. 
The information does n't match my records and I believe it to be wrong. 
I was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late? 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a mortgage with Bank of America when my husband lost his job. He was unemployed for 2 years so we filed a forbearance on the mortgage. We sold the house to satisfy the loan and closed on the last day of the 30 day grace period BOA offered us ( XX/XX/XXXX ) and satisfied the loan in full. We were NEVER even 1 day late on a mortgage payment for this loan. Our credit reports have been showing the mortgage on the home as being delinquent for more than 120 days since XX/XX/XXXX even though it was paid in full within the allotted time frame. 
I corresponded with Bank of America and have XXXX letters from BOA showing the loan should not have been marked as delinquent and the letters note BOA submitted corrections to the credit agencies. I have written and telephoned all XXXX credit agencies and the loan is still showing delinquent, even 14 months after selling the home and having BOA send the correction letters. 
On XX/XX/XXXX XXXX XXXX at Bank of America called and she told me BOA contacted all credit agencies and corrected the discrepancy. She believed the discrepancy would be gone after XX/XX/XXXX but it is still showing on my credit report as of XX/XX/XXXX. 
I do n't know what else to do - I have worked with BOA and they said they have done all they can do. I have worked with all XXXX credit agencies and they say the negative data they are getting is from BOA so they ca n't make the change. I have attached supporting documentation including the XXXX letters from BOA and the XXXX page from today showing the loan is marked as a 'negative ' account and delinquent ( but closed ). 
Please help me resolve this problem. I am hoping to purchase a home this fall and can not have this discrepancy in my credit file as it is bringing down my credit score. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Is sold an item on Ebay and Paypal charged me a XXXX percent fee but I called customer service and they told me that Paypal does not charge a fee for items sold on Ebay. Ive been a loyal customer with Paypal for over XXXX years and will like if the please have the courtesy of resolving this issue by refunding he XXXX dollars charged fee or I will be selling my items on XXXX again and use XXXX payments and XXXX wallets instead of Paypal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We acquired a mortgage on a double wide trailer and XXXX acres of land. I was deemed permanent property, but Bank of America still put a separate electronic lien on the double wide. The entire loan ( mortgage ) was paid off in XXXX of 2014. We have contacted Bank of America, XXXX Bank, Our local DMV, XXXX multiple times, have all the paperwork and Bank of AMerica still has not release the lien. According to XXXX they are the only ones that can release the electronic lien since they are the ones that established it. Also apparently we are not the only people they have done this do according to our local bankers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not incur this debt and when does the statue of limitation ends? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm contacting your agency to understand why my account with Bank of America would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and Bank of America has just processed my latest payment to them on XX/XX/2015.Please advise 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian does not answer the phone, has not removed the erroneous and perhaps fraudulent info from our credit report. We are a small, family-owned XXXX XXXX. Our company name is XXXX XXXX XXXX XXXX. We live & work from home. Our shop is on our property and has been for over XXXX years. We are the only XXXX XXXX & XXXX for miles around and certainly the only one in XXXX, TX. Experian will not return my calls. I have emailed XXXX times with exact details of the problem and I keep getting letters that say it 's resolved. It is not. We are still listed twice on a business credit report search. The wrong info lists our address as that of our XXXX competitor who has been out of business over a year. The property taxes for 2014 for our competitor 's property are in arrears and I have been told by our mutual vendors that they were never paid by our competitor. XXXX denied our credit app because of Experian 's reporting. Experian keeps telling me to " resubmit again. '' After posting my story on Experian 's XXXX page, I finally got a real human in the personal credit reporting department that is trying to help me. He is even having a difficult time with the Business Credit department of Experian-his own employer. XXXX XXXX XXXX XXXX has never owned, rented, worked from the property at XXXX XXXX XXXX, XXXX, TX. Several years ago, someone claimed our online profile so that when you searched online for XXXX XXXX & XXXX you got the phone number to our competitor at XXXX XXXX, XXXX, TX. I finally fixed that but it took years. We were denied credit by XXXX because of Experian 's false information and Experian will not return my calls and repeatedly sends form letters to me saying that it 's fixed. A quick search on www.experian.com reveals that it is not fixed. No one has called me back except for XXXX in the personal credit area, who saw my post on XXXX and is trying to help me. We have excellent credit. We work extremely hard doing XXXX work in the Texas heat. We pay our bills on time and mostly in-full. The other XXXX reporting agencies are not reporting the wrong info. XXXX with Experian just told me that they have pulled a credit report on our name with our competitor 's address. I can not get the report unless I pay them money. The building at XXXX XXXX is vacant and for sale. The property taxes are in arrears. I just need our name completely disassociated from that address. Please help. Experian Business Credit will not help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: A recent divorced mother of XXXX was responding to a job listing on the XXXX XXXX. The individual indicated tthat it was an independent contracting position and that my credit card would be required to conclude the employment opportunity. The individual that answered the advertisement indicated that we would have to meet, at the financial institution and that he had a good relationship with the banks in XXXX and XXXX, Georgia. The XXXX XXXX ad provided a XXXX ( XXXX ) XXXX employment line phone number, where there was an automated individual responding to all calls. The individual stated that the company 's name was XXXX. XXXX and they have access to unclaimed government funding, which they need independent contractors to fund these unclaimed monies through their account and send the funds to a corporation. He stated, he would not need any personal information, just the credit card and to meet with the bank lenders. 

As a recent divorced mother and struggling parent, I was excited about the job over the phone and as, what was the next step on the process. He indicated to meet and bring the credit card, therefore, he could meet with the bank officials. Upon, the scammist arrival, he had paperwork to file out and had the company information readily available. He was however, casually dressed, but I said alright perhaps a low grade business casual attire is permittable. However, in the midst of my vulerability, he took the credit cards and the rest was history. All accounts at Wells Fargo of 20 plus years were comprised and closed, but I stated to the bank, that I was the victim of fraud and I was immediately interrogated. Interested, how the tables are turned, but it is imperative that the public is fully aware of scammers taking advantage of hard working citizens and I am fully committed to assisting with the possible incarceration of all individuals that take advantage of any citizen. I am amist and seeking public exposure of the ability to simply post any ad, at random, whether it is the XXXX XXXX and XXXX or the XXXX XXXX. I am seeking restitution and continual public exposure of these prevailing incidents, therefore, no one else is taken advantage of. What should be my next step? 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a student checking account at Cathay Bank. They switched my account to a Personal Checking account with a daily minimum balance of {$1000.00} WITHOUT informing me in writing. The only indication that my bank account type has changed is the {$10.00} maintenance fee on my XXXX monthly statement. While their current website says the student checking account is only valid for XXXX years, it does not say, and I was never informed, that my student checking account would be AUTOMATICALLY AND WITHOUT NOTICE changed into a Personal Checking account with a XXXX monthly maintenance fee. Had they informed me, IN WRITING, I would have closed my account and created a new student checking account, as I am still a student. They later told my power of attorney XXXX PoA XXXX that in order to renew a student account, I had to fly back personally, XXXX, to do so, even though my student status is unchanged. 

When my PoA went to the bank, on XXXX, a teller told her only that the {$10.00} maintenance fee was because my new account type had a minimum balance that we did not meet. To rectify this, my representative wrote a check for {$500.00} to Cathay Bank to satisfy it, since she was only told verbally that there was one. No bank personnel advised my PoA that this was a DAILY minimum balance rather than a monthly minimum, and they failed to give us the relevant Bank Account Disclosures for the new Personal Checking account. 

When my PoA returned to close the account on XXXX with an account representative, she was told that we were charged another {$10.00} in XXXX because we were under the {$1000.00} for a few days, which again, nobody informed us was a DAILY minimum. Had they given me the account disclosure materials, in writing, we would have known that this was a DAILY and not a MONTHLY minimum balance before they charged another {$10.00} in maintenance fees. Consequently, because they deducted the second {$10.00} in fees for XXXX, they informed us that we would see another {$10.00} deducted in XXXX because the new {$10.00} they deducted for XXXX officially put my account below the {$1000.00} daily minimum balance again. 

Had they advised us IN WRITING before changing my account type and then given us the Bank Account Disclosures, I would not have been deducted {$30.00} in maintenance fees due to their negligence. One of the agents at the bank, after some time arguing with my PoA, agreed to consider making an internal note waiving one of the {$10.00} fees but " but we will be charged in XXXX as well. '' The staff at Cathay bank refused to let my PoA close our account, claiming that we had a safety deposit box with them, which is neither here nor there, given that we could have removed the safety box. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have closed accounts still on my report hard inquiries on my report that I did not approve. I want them removed immediately I have contacted all XXXX credit places no responses from any of them 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with XXXX and wanted to add my husband onto my account. A store salesman convinced us to switch to a business account, which we did. They upgraded our phones and we were all set. A couple of months later ( recently ) I began to get phone calls where an operator was on the line and then, brought a man on. He knew my name and said he wanted to verify my address which he mentioned. I said I did n't know who he was and was not going to verify anything. He would not say anything else. He called at least XXXX times a day from XXXX in the morning to XXXX or so in the evening for a couple of weeks!! I called XXXX XXXX my phone company who tried to help. I submitted XXXX phone numbers which they blocked. I was about to go to the police. I had nightmares ... He KNEW my address ... I did n't know if someone was going to come and kill me ... I was not aware of owing any bills. Today I was going to have my phone turned off when I get mail from Receivables Performance Management. They said I owed XXXX {$710.00}. I was not aware of owing this. I am a customer of XXXX! I was never informed of owing them anything!! After talking to XXXX, the person who switched my account failed to switch my phone to the new business account. So, I owed the entire amount of that phone which was supposed to be on a plan over time. They sent it to collections, and COULD DO NOTHING TO HELP ME!! They never sent me a bill or let me know in any way that I owed this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage through Penny Mac. This loan was an FHA loan with mortgage insurance. I paid off the loan on the XXXX of XXXX. I was charged mortgage insurance and interest for two months when calculating the amount needed for closing. Interest for XXXX and the entire month of XXXX though it was paid off on the XXXX within the grace period for payment of the loan and mortgage insurance supposedly for XXXX and XXXX paid in XXXX and XXXX, again the payoff was received within the grace period for paying the payment. 
Also I analyized the escrow account for the entire period of the loan and the amounts paid in the the escrow plus the initial amount in from loan inception, less payments made do not come to the total refunded to me after closing. 

I would like someone to review the mortgage as I feel I have not received all of the funds due when the loan closed. 

The loan number is XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Closed on my home in XX/XX/XXXX, U.S. Bank bought the mortgage in XX/XX/XXXX but there is still noting listed on our Credit Report, we are being denied credit because we do not show as homeowners on our credit report. Contacted U.S. Bank, where I was immediately directed to collections, even though I have NEVER been late and was told that as a courtesy they reported me to the bureaus late! What courtesy is that. I want my mortgage listed on my credit report as the law states it should within 30 days! 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a XXXX mortgage with BMO Harris ( 25 % personal cash down payment ) and was denied given the reasons of " Limited Credit Experience '' and " Unable to Verify Income. '' I have a XXXX imperial score, provided all information requested including source of funds, XXXX, and employer letter with my start date of XX/XX/XXXX that included compensation. I have history of credit cards paid in full, vehicle loan, as well as continuous employment since graduation from XXXX in XX/XX/XXXX and after a 1 Yr XXXX from XXXX University in XX/XX/XXXX. I feel my application was denied because of racial discrimination as an XXXX XXXX female and the bank is scrutinizing applications from XXXX, IL unfairly. Whereas in contrast, people with similar paper profiles ( education, income, credit score, employment history etc. ) are not denied in suburbs where the majority of the population is XXXX and the applicant is also XXXX. 

Company response: Company chooses not to provide a public response