AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Back in mid XXXX of 2015 my listing went under contract. The buyer agent had sold me on the broker with Geneva Financial, a XXXX XXXX XXXX # XXXX, would be able to accomplish the deal. As the transaction proceeded, the bank who I represented agreed to do repairs to the roof for financing purposes. The finance broker agreed to pay for the buyer repairs. He the broker said he would build it into the loan. I verbally said, OK and he proceeded to have a firm enter and do work in the amount of {$3500.00}. Originally we were to close on XXXX/XXXX/15, and it was then extended to XXXX/XXXX/15 from broker request to finish up. Well it was still not meeting that close date as his people were not done or he had to anticipate other factors. I do remember the turning point was when his camp all of a sudden said they were ready to close and needed an addendum putting the XXXX vendor repair costs on the seller side to be approved. My asset manager said no way, that we had only approved for the roof. Well from that point on it got dragged out until I called the CEO of Geneva Financial and reported him. He made changes and we closed in one week. The bad behavior was his stalling tactics keep all parties with no direction for over three weeks. Well fell out of contract due to his in action. Also rude treatment of the buyer agent pitting her against the buyer who she had worked with for over 2 years. Also the escrow officer had to know the status and he 'd never return phone calls. Absolute rude, fowl language along with no follow up to anyone in the actual parties to successfully close. Buyers agent has XXXX or XXXX other deals with this guy so he 's treating her badly as he knows he can control the way the financing goes with them. I will never use nor recommend this broker to anyone and he should be investigated for the behavior alone. To end the buyer had over 30 days to wait because of his stalling tactics. I accused him early on that he was holding hostage the loan for his own benefit thinking someone would pay the {$3500.00} that he had some idea would go on the other side of Hud statement and no one would detect, what an XXXX. 
Completely unprofessional in that he 's not truthful, lies and abusive. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a joint Citi Card with a debt of almost $ XXXX. I have paid off this card for almost 1 year. 
However I just noticed Citibank is still reporting this debt to Credit Agency - XXXX which is killing my credit score. Please immediately have Citi Bank remove this from my Credit Report. 

This information was found on XXXXCITI {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnionA complaint also filed about XXXXCase Number # XXXXThanks, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I saw incorrect info on my credit report about two years ago and filed a complaint. I stated that the time I was supposed to have applied for a credit card, I was living XXXX, but if I had been sleepwalking ( or flying ) they should show me where I signed. They did not answer or take the info from my report. I filed another report after many months and again they did n't react, So, here I am again. I recently applied for dental financing and was turned down. They sent me Trans Union address to complain. I tried to call, but only recorded instructions. Please help me. Thanks! 

Company response: Company chooses not to provide a public response
Consumer complaint: Fidellis XXXX XXXX in NC called XXXX in 1 day without leaving a message When I called back, they say I owe {$680.00} filed by XXXX XXXX Screening in XXXX, GA. I never heard of this company. Never did business with this comp. And certainly never received a bill. Fidellis accused me of throwing the bill away. Fidellis will not provide any paperwork. They wo n't contact XXXX to verify and wo n't clear the collection - it 's now been reported to the credit companies. Further investigation through our dentist who used this company for XXXX screening XXXX was told by XXXX there would be NO fees charged to patients because they would bill medical ins comp. and accept whatever payment they could get. It appears that XXXX sold patients names to Fidellis for bogus debts. Mine included. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to correct an issue on my credit report, regarding a foreclosure which was finalized in XXXX of XXXX. I had a XXXX and XXXX mortgage on a property located in XXXX, XXXX XXXX that was foreclosed upon. The XXXX mortgage holder, XXXX XXXX, is reporting on my credit report as " settled '' in XXXX of XXXX, but the XXXX mortgage holder, Bank of America, is still reporting the XXXX mortgage as an " unsettled '' account until XXXX of XXXX. 

History : In XXXX of XXXX, I contacted the Bank of America 's " Charge Off '' Department, requesting that credit reporting error be corrected. After six weeks of telephone calls and emails, they told me on XXXX XXXX, XXXX there was nothing they could do. 

Then XX/XX/XXXX, I began receiving harassing calls from XXXX, XXXX, XXXX XXXX XXXX, a law firm in XXXX, XXXX, informing me that they would be taking me to court to collect a {$45000.00} XXXX mortgage judgement against me on behalf of Bank of America. I informed them that this specific XXXX mortgage was settled in a foreclosure and therefore was exempt from collection. They stated that Bank of America considered this XXXX mortgage as a collectable debt. 

Finally, after months of harassing calls, mails and letters, I offered and Bank of America agreed to accept, a {$5000.00} payment to close this matter and on XXXX XXXX, XXXX, I paid this amount. 

I am presently attempting to apply for a new home loan and I am unable to do so because Bank of America is reporting this account as last active in XXXX XXXX, instead of 2 years and 9 months ago ( XXXX of XXXX ) when it was foreclosed upon. Repeated calls to various departments at Bank of America have resulted in no response to my request. My wife and I would appreciate any assistance you can provide us. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. XXXX were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with XXXX and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was n't able to access my account then I call and found out that Netspend had closed my Account with out my permission. And not notifying me right away when this ERROR TOOK place! I had to find out on my own that my account was closed .because I wanted to pay a bill. And when they closed my account They took out all my money which I wanted it to stay in my account but they did n't put back in my account.INSTEAD they mail me my money which is going to take another 2 weeks or so just to get my money. They really put me in a bad situation. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I disputed this debt on XXXX/XXXX/15 and received a response from the company apologizing for the inconvenience and that the debt would be removed from all om credit reports. I may be facing disciplinary action or termination because this debt still remains on my credit reports. Therefore, the company failed to honor their resolution, as stated in the response to my complaint. I am again asking for this debt to be removed from all om credit files, as it is not my debt. My final complaint response that was filed with your office and was not disputed, by me, was assigned number XXXX. Thank you. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am writing to file a Complaint that the following information that Experian XXXX and XXXX have on my credit report1 ) XXXX has re added this account back to my credit report XXXX XXXX XXXX XXXX XXXX, XXXX Showing that it was past due for 30 Days only once back in XX/XX/XXXX and no payment history after that - this account is showing as a positive account on my Experian and XXXX account -- I HAVE TALKED TO XXXX ON GETTING THIS DELETED AND RESOLVED IN THE PAST AND IT WAS DELETED ANDKNOW IS BACK AGAIN ON MY XXXX REPORT ONLY ... 
2 ) XXXX Experian XXXX XXXX Credit Card charge off account - settled in fullBack in XX/XX/XXXX during the purchasing of my house there was a Charge off Account on my credit report from XXXX XXXX Account Ending in XXXX that was settledMy Broker from XXXX XXXX / XXXX XXXX and me XXXX XXXX - to see whether it was settle or not- we did - and they even got a hold of XXXX XXXX - and they ( XXXX XXXX ) stated that I had satisfied the debt - XXXX representative stated that he would consider making a goodwill adjustment to the credit reporting bureaus on our closed accounts and agreed to have this charge of deleted of my Credit Report as well as inform the other XXXX major Credit REPORTING AGENCIES TO REMOVED THIS CHARGE OFF - XXXX -Did there part however is still showing on my Credit report from XXXX and Experian3 ) XXXX XXXX Experian I 'm distressed that the XXXX major Credit burrow have included the below information in my credit profile as derogatoryXXXX XXXX XXXX XXXX -This item is inaccurate because for one me and my Brother went to XXXX XXXX back and opened an account WITH THE BANK So that the mortgage payment can be taken out automatically. They never send me out monthly statements - and when I received the phone call that the Payment was missed I advised the representative about my auto pay - she said she dint know what had happened and assured me that this was not going to affect my credit. I dont understand why there is a derogatory mark again for XXXX of XXXX on my Experian, XXXX ... but nothing on my XXXX -- - I 'm beyond XXXX ) XXXX - XXXX Experian -XXXX XXXX Card ending in XXXX When I pulled my credit report, and discovered that a late payment was reported on XXXX And XXXX of XXXX that time, I Was going through a financial Hardship - I had spoken to XXXX XXXX -- and they placed me on hardship plan - I was advised that this was not going to affect my credit report - which it did - they advised me to contact and dispute the information with the XXXX major Credit Burrows XXXX Witch I Did -I realize I made a mistake in falling behind, but up until that point, my payment history with them had been spotless. When I was able to get back on my feet, I quickly resumed paying my Bills and you can see that - let me reinstate - XXXX XXXX Assured me that this was not going to affect my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a home through Habitat for Humanity low income program in XXXX. The mortgage is serviced by XXXX Mortgage. I fell behind many times and have be able to catch up even filing bankruptcy in XXXX. I have not been able to resolve the fees charged by XXXX of XXXX to XXXX monthly starting XXXX. My mortgage is XXXX and I make XXXX an hour. I got a lawyer to help navigate in XXXX after not being able to catch up with a balance the added XXXX each year in fees. Habitat has not enforced their contract of XXXX late fee on a interest free loan. Its been in limbo and I have stopped paying money that never is applied to loan. I have XXXX XXXX XXXX assisting me to reduce the stress. I am XXXX years old. XXXX is stating about XXXX owed that accumulated since XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit Systems is reporting a collection account on my consumer reports related to a debt that they have no legal authority to collect on. The debt in question was paid in full to the original creditor, XXXX, and Southwest Credit Systems has no legal standing to engage in collections activity on this account. Following my payment to the original creditor, Southwest updated my consumer reports to reflect a " Paid '' status despite the fact that I have never paid Southwest Credit Systems for any debt, nor have I ever acknowledged any ownership of the debt they claim was owed by me to them. 

Additionally, Southwest Credit Systems has engaged in repeated violations of FDCPA legislation. They have never mailed ANY documentation to me as required by FDCPA 809 which would have allowed me to dispute the alleged debt. Then, they refused to provide proper validation of the alleged debt following my written correspondence to them sent Certified Mail, Return Receipt Requested on XXXX XXXX, 2015 and received by their representative, XXXX XXXX, on XXXX XXXX, 2015. This lack of response to my dispute is in direct defiance of FCRA 623 which allows consumers to dispute reported data directly with the data furnisher. Their failure to respond to my dispute while continuing to report the alleged account constitutes illegal collections activity as affirmed in XXXX in which the judge found that reporting collections accounts to a consumer reporting agency constitutes collections activity under the FDCPA. 

This illegal activity by Southwest Credit Systems must cease immediately. If the organization does not immediately delete all references to this illegally-reporting tradeline from my consumer reports, I will move my claim to the Federal District Court in XXXX, New Hampshire, and we can discuss the matter in front of a judge while Southwest contemplates the value of reporting a tradeline that is of no worth to them versus the reality of them paying me {$1000.00} for each FDCPA violation they have engaged in. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ). 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a Green Trust Cash in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a Green Trust Cash had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: During my first initial talks with Fairway Mortgage ( XXXX, ID office - XXXX ) I explicitly asked how twice monthly payments would be applied. I was they would be applied once received less a few days for processing. I even went-on to press the point, given that my mother 's mortgage will take her payments whenever, but they wo n't be applied until they are due. Thus, sending twice monthly payments does nothing ; the loan servicer has her money, they continue to charge her interest, and her payments do n't reduce her mortgage until they are due. I cited this exact example and he said no, that is not the case. He even went-on to voice confusion and concern for my mother 's mortgage ; I explained that it 's about 15 years old and maybe that has something to do with it. This was a point for me, as we make twice monthly payments in-order to shorten the life of our loan ; this mortgage is my only debt, I purchased a 15 year mortgage ; I want to be done with it ASAP. 

My loan was then sold to XXXX. 

After many requests by XXXX, I have received a full amortization schedule ( they had been providing me summary information ). Details of my payments show that my payments, just like my mother 's, have been received and cashed as received ( twice monthly ) but once again have not been applied to my loan until due ( or until both payments have been received ). I voiced my concern that this was not what was sold to me, this will add hundreds in interest, and many months to our loan. At this point, they directed me back to Fairway. 

After contacting Fairway ( XXXX is no longer employed there so I spoke with his manager, XXXX ) I was told that it is up to XXXX how to apply the payments and they do n't have any control over that. I pressed the point that I signed a form, along with the numerous other mortgage forms, OK'ing Fairway to sell my mortgage ( which they did to XXXX ) only if the terms and the loan does n't change. Although my interest APR did n't change, the way in-which it was applied did. Which equates to a change. Fairway disagrees. When asked who to contact, Fairway directed me to their corporate office and made no mention of CFPB. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We had an outstanding debt with XXXX XXXX for the birth of our twins. 

We paid XXXX XXXX the {$990.00}, and according to the hospital, the account was settled on XXXX XXXX, 2015. 

A collection agency called Harris & Harris continuously calls and harasses us saying we owe them money for the balance. No matter how many times we tell them they have paid, they keep calling and saying we owe them money. 

First, they lied to us the reason they were calling is because XXXX lost our payment and had n't posted to my account. When I told them XXXX posted our payment on XXXX XXXX, 2015, XXXX XXXX told me it 's in my best interest to show Harris and Harris my bank statement to prove payment. He finally relented and said he would make an inquiry to XXXX XXXX. There is no explanation as to why an inquiry was never made beforehand. 

I need these people to stop calling, and I am not about to give these charlatans my bank statement to do so. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: WRONG ADDRESS ON MY REPORT NEVER LIVED THERE 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: A payee to whom I wrote a check erroneously cash the check twice for XXXX different amounts. I called Suntrust to address the issue and over a month later it has not been addressed. Call center agents were misleading or incompetent 

Company response: Company chooses not to provide a public response