AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have given the authority make these inquiries Please have them delete these from my Experian credit report Thank you very much Alert Type New Inquiry Processed Date XXXX/XXXX/2015 Creditor Type Complete Department Stores Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was behind on the loan and got caught up. The loan is due on every other Friday and I get paid every other Monday. I made a promise to pay on the Monday that I pay, so my promise to pay was XXXX/XXXX/16 and I got a phone call harassing me about my payment after I made the PTP. They called me 3 times and sent a text message. I called them and was told if you pay your bill on time I would not call you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: DITECH FINANCILAL LLC, XXXX XXXX XXXX. I USE TO PAY {$380.00} A MONTH AND NOW THEY RAISED IT TO {$670.00}. I ', M RETIRED, WIFE IN XXXX AND I HAD A XXXX XXXX 2010. IT IS PUTTING A BURDEN ON ME. HELP ME. IF I GET SICK OR LOSE MY PART TIME JOB, I WILL LOSE MY HOME. HELP ME. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. 



I called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. 



I spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. 



At XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. 



I was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. 

I researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went into Bank of America to transfer my IRA from XXXX XXXX to Merrill Lynch. 
Silly me. 
The account was opened using my Social Security Number but in the wrong name, " XXXX ''. VERY SCARY. How do they ( XXXX ) get away with this level of incompetence? 
See the attached letter from Merrill Edge. 
For the record, my name is " XXXX ''!!! 
I have talked to Bank of America, Merrill Lynch and Merrill Edge 9 or 10 times so far, to stop sending me correspondence in the WRONG NAME. Each customer service person is very nice and their claim, " I can fix this for you! ". LIARS The computer still sends out notices in the wrong name despite my many calls to them to STOP sending mail in the wrong name! 
HOW CAN WE GET MERRILL TO STOP, FIX OR ELIMINATE THIS SITUATION THAT THEIR INCOMPETANCE CREATED? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have written numerous QWR 's requesting the account owners name and address including the name and phone number of a contact person.This account was put into " REO '' status XX/XX/XXXX. SPS continually responds to the request naming XXXX XXXX as the account owner but not including an address or contact information. In the latest response to my letters requesting validation of debt. The foreclosing attorney now says XXXX XXXX XXXX is the owner of the note but SPS continues to respond in writing stating XXXX XXXX 's ownership of the account. XXXX stated in their response to the QWR that I sent them, saying, this property had been foreclosed on in XXXX XXXX? When speaking with SPS over telephone. The various relationship managers say that XXXX is their client ( the servicer ) and that SPS is SubServicer, and that XXXX is the owner of the Note. But written correspondence SPS continually states that XXXX XXXX owns the account as trustee for the holders of XXXX XXXX XXXX Trust. SPS 's definition of an account owner includes owning the note. XXXX denies any affiliation with this note or account at this time. Currently there is a foreclosure sale scheduled for XXXX XXXX, XXXX. The preforeclosure letter dated XXXX XXXX, XXXX I received from the foreclosing attorney states ; SPS is their client and has directed the firm to commence with the sale for XXXX XXXX as owners of the mortgage and trustee for the holders of the XXXX XXXX XXXX Trust. SPS refuses to acknowledge the account being placed into " REO '' status maintaining ownership of the account by XXXX XXXX and refusing to provide me with the necessary contact information for the current note owner or owner of the account. There are several issues that need to be addressed : XXXX is the chronological timeline of correspondence and my attempt to get correct answers concerning the current owner of this Note. 1 ) The hiring of SPS as SubServicer XXXX XXXX 2 ) The foreclosure sale of XXXX XXXX, XXXX as stated by XXXX. 3 ) Foreclosure shows up in XXXX report XXXX XXXX XXXX XXXX The account is placed in " XXXX '' status XXXX XXXX. XXXX ) SPS refuses to address " XXXX '' XXXX XXXX to this day 6 ) Modification application submitted 7 ) Modification proposal received 8 ) Dispute of errors and omissions letter sent 9 ) SPS refuses to address " REO '' and account balance XXXX Foreclosure sale notice XXXX XXXX, XXXX 11 ) QWR to SPS and Debt Validation sent to attorney 12 ) Debt Validation response received 13 ) Foreclosure sale terminated XXXX XXXX, XXXX 14 ) QWR response 15 ) foreclosure sale notice XXXX XXXX, XXXX 16 ) QWR sent to SPS and Debt Validation sent to attorney 17 ) Foreclosure sale placed on hold XXXX XXXX, XXXX XXXX ) QWR response 19 ) Foreclosure sale notice XXXX XXXX, XXXX 20 ) QWR sent to SPS, XXXX and attorney XXXX XXXX, XXXX 21 ) QWR response from XXXX XXXX XXXX, XXXX 22 ) Foreclosure sale postponed XXXX XXXX, XXXX 23 ) QWR response from SPS XXXX XXXX, XXXX XXXX ) Complaint sent to CFPB 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I specifically wrote experian to erase wrong information on my report. results show residence-deleted, telephone-deleted, employer-deleted. but all wrong personal information still shows in the last page. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX Systems Accounts : XXXX, XXXX, XXXX, XXXX This collection agency took the original creditor XXXX Acct XXXX total {$1100.00} and reported XXXX separate collection record on my credit report resulting in Acct 's XXXX {$630.00} & XXXX {$490.00} Original creditor XXXX Acct XXXX total {$1500.00} and reported XXXX additional collection records on my credit report in Acct 's XXXX & XXXX In summary XXXX took XXXX original creditor accounts a generated a total of XXXX collection accounts on my credit report. 
I am requesting that all collection records from XXXX be deleted and prevented from reporting in the future to my credit. 

I feel that this information is not being reported correctly ; which is unfair and misleading 

Company response: Company chooses not to provide a public response
Consumer complaint: I am Complaining about SLS my loan servicer, SLS says in a letter sent to CFPB that I will attach for your review that mediation took place on XX/XX/2016, but in fact their attorney refused to, and we ended up in court on XX/XX/XXXX instead of mediation which is what I was promised since the very beginning, also in that latter it indicates that meditation was postponed to a later date which is not true, a settlement agreement will also be attach for your review, their attorney offered me conciliation NOT mediation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My husband passed away on XXXX XXXX, 2015. In XXXX of 2015, I contacted Navy Federal Credit Union to inform them of his death. He had a credit card with them. I asked what I should do about the account. They told me that since I was an Authorized User that I was responsible for the account and if I chose to keep the account open that I could. So, I chose to keep the account open. I have used the account for six months, and payed over {$20000.00} in balances. I have spoke to them on several occasions for the last six months when they froze the account, saying it was suspicious activity. I would call them, tell them yes that I made those charges and they would unfreeze the account. Never a word was mention to me about the account was going to be closed. I tried to use my card today and it was declined. When I got home from work, I called NFCU and asked them to unfreeze my account. It was at this time, I was told the account had been closed. I asked by whom, and they told me and I quote, " Well, there was someone else on this account ''. My reply was yes, my deceased husband. I was then informed because my husband had passed away, that because I was only an Authorized User, that I was not liable for this account. After being told that I was when I called and told them of my husband 's passing. They waited until I had paid the credit card down to almost nothing and with no notification or reasoning why, they closed the account. So, in other words, because I was only an Authorized User, they lied to me when I told them my husband had passed and told me I was liable, and after paying pretty much the entire balance off, they closed the account. My late husband and I have had this account for at least twenty three years. It was my only credit card. It was my emergency credit card. They should not be allowed to do this to people. They should have been upfront from the beginning and tell me, no I was n't liable for it. Instead they chose to lie and take over {$20000.00} XXXX that I could have desperately used somewhere else ) from a grieving widow. My husband served this country and I served this country, and this was completely wrong. Thank you in advance for any assistance that you can help me with this. They should n't be allowed to get away with this. i did what I thought I was supposed to do, but they lied and stole. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: A charge of XXXX was placed against my card for XXXX XXXX dress. I had to guy a gift card given the value of the dress exceed XXXX However the item was damaged and returned to XXXX XXXX. The company said it would go back on my Visa ( the XXXX ) and it didnt. 
I tried to file a dispute with US Bank over this with documentation, but they ignored it as they couldnt be bothered with my dispute. Bottom line is they know the item was returned and that I am owed XXXX. They just fdont work for the best interests of their customers. 
I want my XXXX back now. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2014 I had a car accident in which I ended up in the hospital and incurred medical bills that were wrongly sent to the collection agency because the bills were not sent to my insurance company on time. Upon finding this out I contacted my insurance company and they paid the bills in full. I then contacted the collections agency stating that the bills had been paid in full and they should remove the collections accounts from my credit reports because it was negatively hurting me. They are very hard to contact and the representative is very rude and hangs up on me every time I try and resolve the issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i have contacted exsperian about a civil case on my credit report that does not belong to me and incorrect addresses that do not belong to me and they will not remove them.they keep importing incorrect information of persons with a similar name and placing them on my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Transunion failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently purchased a Cadillac CTS at the XXXX XXXX in XXXX XXXX. They gave me a temporary registration and I believed the documentation to be legitimate. On the temporary registration the mileage was listed as XXXX miles, the actual mileage of the vehicle was XXXX miles. When I went to the XXXX to receive my permanent registration the XXXX informed me that the vehicle was not registered in my name and there was a lean on the title. After the XXXX, I went back to XXXX XXXX and they would not disclose the information that I needed. Later on XXXX legal informed me that the vehicle was stolen. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? 
If yes From who? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 2012 was seen at The XXXX XXXX XXXX XXXX. They took my insurance. I am XXXX insured. They filed my primary insurance and did not file my supplement insurance which also covers any deductible. I wrote them letters and tried calling and they refused to answer. They sold the balance of my account for {$55.00} to a collection agency - CMRE Finance, XXXX XXXX XXXX, XXXX, CA XXXX. When contacted I asked for a copy of the charges. Never received from either agency. They acknowledged the XXXX billed my supplement company, but because it was over a year they would not pay. CMRE Finance filed with the credit bureau 's even though erroneous billing had occurred. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is refusing to investigate, verify and remove some accounts from my credit report/file that do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. 
Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00} 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I opened a new credit account with XXXX XXXX XXXX. Never used the card but did pay the XXXX dollar activation fee. 4 months later I saw fraudulent charges at XXXX in California. I called the credit card company and reported fraud. They closed the account and issued a new account to me. I was told it could take 60 days to investigate. XXXX was reported to them XXXX XXXX 2014 for charges made XXXX XXXX and XXXX 2014. Received letter from their fraud investigation department stating no new charges on account ending in XXXX. This is not my account. I have spent hours upon hours trying to resolve on the phone.. No resolution yet I keep getting late fees interest and the fraud charges are still on the account. They have now reported me to the credit agencies as a no pay on the credit card. The new account they issued I also closed due to their lack of resolution in the fraud case. Pleas advise how to remove from my credit report. They are idiots. 

Company response: Company chooses not to provide a public response
Consumer complaint: Contacted me XXXX XXXX attempting to collect a garbage bill that was 3 years old that I had no idea I owed. Their amount was the wrong amount and I disputed it. They sent an updated invoice in XXXX and called in XXXX. I paid the amount on their bill at which point they notified me that they placed this on my credit report. The operator was beyond rude and would not let me verify that the information he was reading to me was incorrect. I will be suing this company for defamation as I paid for a debt that was not valid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Keep Getting calls from a " Premier Portfolio Group ''? Saying they have a bad check? I have not had a checking account in 5 years and Never had a returned check when iI did have one! Sometimes it is an XXXX no sometimes a XXXX XXXX Area code, sometimes XXXX Or XXXX! This is obviously a scam and I want it stopped!! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I submitted a Fraud Complaint to Navy Federal Credit Union for unauthorized transaction on XXXX XXXX, 2015 from XXXX XXXX, NJ in the amount {$20.00} I received letter from XXXX XXXX stating that the transaction was not a error. Also usually there a way to dispute online but I 'm unable to dispute if Navy Federal Credit Union is going to give option to processing fraud it should be available to all transactions. Please investigate Navy Federal Credit Union procedure on processing Fraud complaint and ALL Product and Services and ensure it working according to United States Federal RegulationsXX/XX/XXXX POS Debit - XXXX Check Card XXXX - XXXX XXXX XXXX NJ POS - {$20.00} {$350.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian lists erroneous, highly damaging, information regarding XXXX accounts with XXXX XXXX. I made contact with XXXX via telephone to get the account information for farther investigation some months and they do not know it. I then requested online that Experian validate the debt. They did not provide proof the debt is correct in any way. I would like this information immediately expunged from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX student loans are reporting monthly payments due of over XXXX dollars. This was fixed by Transunion about two months ago as they are not in repayment. However, this month the accounts report once again as if in repayment. Enclosed proof all these loans are deferred and do not have a payment amount due each month. The last time I had to complain to CFPB as TU refuses to help me.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There were several items that were never dlivered form XXXX so a series if cgarge backs intitiated. As US Bank is the lease customer advocate organization in the world, i recall that they didnt follow the procedure nor process for follwing the law and submitting my chargeback. 
I reccomended we close the card out so it couldnt be shared amoingst other parties. I assumed that they would send me my new card out. However when It didnt show for 2 weeks, I got concerned. I called them and US Bank said a new card wasnt issued. They lied and said it was because i didnt want one. That is a complete lie, fabrication, and a shocking statement for a bank employee to make. You would think once it was identified that there was an issuem, which was the fault of the bank, they would reissue the card, They havent and I want a new card. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This was an unauthorized charge. 

Company response: Company believes it acted appropriately as authorized by contract or law