AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was XXXX in XXXX from XXXX XXXX until XXXX XXXX. When I returned back to XXXX XXXX XXXX I received several calls stating I was assaulted in XXXX. I never lived in XXXX and only visited XXXX to pick my car up from the port. However, they stated I received medical treatment there which is incorrect. I have been in XXXX since XX/XX/XXXX. Whomever, used my identity did not show identification and now I am being billed. I provided them my social security number and they said they were going to handle it. Now it is on my credit. I told them to send me a video because it is not me. However, they do believe I am not telling the truth. I can provide all the additional information needed to resolve this matter. 

XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$1200.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$1200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$28.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$28.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Medical 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Recently I purchased an item from Williams-Sonoma on-line. Yesterday I received mail telling me I 've been pre-selected for a W-S Visa issued by Barclaycard. I 'm not at all interested ; I already own a Visa card from another financial institution. They offered an opt-out number to stop receiving 'pre-screened '' offers from Barclays and other companies by calling XXXX. When I called, the answering tree message wanted my Social Security number in order to opt out! Even THIS site says not to give out SS # s ( in the instructions ). I 'm angry that in order to NOT receive unwanted solicitations, I need to provide my SS #. This reeks of fraud, or, minimally, unsavory business tactics. Please contact Barclaycard to request they change their demand for a SS # to stop these offers. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have received numerous letters from A.R.M Solutions INC stating that I owe {$9.00} for a delinquent account from The XXXX. I entered into an agreement to receive limited issues of XXXX in 2014 ( estimated ) through a XXXX door to door donation special. Through my donation I was set to receive a specific number of issues of the XXXX. I did not sign up for or agree to receive any additional issues or extend my subscription. However, according to them and A.R.M. Solutions I owe {$9.00}. I believe this is an illegal process on the part of XXXX. Forcing me into purchasing additional subscription, without my permission or expressed willingness. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called my previous mortgage lender Stearns Lending on XXXX XXXX, 2015 only to state that I had my loan tranferred to XXXX. I did not and have not received any information regarding the mortgage loan transfer until I contacted Stearns Lending on the above mentioned date. Reason I am filing a complaint is I currently am going through a valid hardship ( i.e. lost my employment ) and have sent off the hardship letter package on XXXX XXXX, 2015 to Stearns. I am attempting to determine what are my next steps and I have been on the phone with both Stearns and XXXX for over an hour today and have gotten no information as I have retained copies of my hardship package as directed by Stearns Lending to attempt to provide this information to XXXX to no avail. I want to file a complaint against Stearns Lending for not providing me a 15 day notice that my loan was being transferred as I have not received any educated information on what steps I can do to make an educated decision on what to do next without losing my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check into my Bank of America personal account from my business account. The deposit slip did not state a hold will be placed on the check, at the time of the deposit. However, the next day when I looked at my account I saw a hold was placed on the check even though it was already debited and paid from my business account. This resulted in a returned ACH check and a fee of {$35.00} for NSF. 
I called Bank of America and was told there is nothing that can be done even though the check from my business account was paid and the ACH will be returned. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a USAA credit card, -- -- -- -- -- -- XXXX. 
USAA Bank allowed a {$3000.00} + charge on my account using someone else 's credit card, their number is, -- -- -- -- -- -- XXXX! 
That is not my credit card number! 
That is illegal!!! 
USAA Bank says that is to bad, and that it does not matter to them, and that I still owe the {$3000.00} plus interest!!! 
I was not able to get an XXXX, so I took off work, and paid XXXX {$150.00} and shipped the merchandise to the USAA Bank!! 
USAA Bank said that makes no difference to them and that I still owe them {$3000.00} plus interest!!! 
I have been with USAA for more then 26 years, I have never been even late with a payment, and this is the way they treat their customers!! 
MILITARY PEOPLE, AND ALL PEOPLE, STAY AWAY FROM USAA!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with the bureau and supplied them with a copy of my police report, the account was removed. However, the bureau re- inserted the entry without informing me- when the account does 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: loan sold to Green Tree ... awful awful ... now Ditech..awful, awful ... I have been on a repayment program which was to XX/XX/XXXX, yeah! now had a notice payments going up {$150.00}, according to some stupid escrow rule they have, ..when I called, they blamed it on XXXX, of course, and the way they handled my loan. 

How are these people still in business??? Who can help us??? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had purchased a timeshare property from XXXX XXXX XXXX in XXXX Colorado I was unable to get reservations no spots were available and they did not do anything to accommodate my vacation schedule they ruined my vacation and my relationship with my boyfriend I feel they are selling more timeshares then they have space to accommodate. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My roommate decided to purchase cable through XXXX XXXX she ended up falling for XXXX those check scams where you cash a check for someone and then the check bounces and you owe the bank the money from the bounced check. So she ended up losing her bank account and could no longer pay the XXXX TV account with her credit card. Therefore, I offered to pay her monthly fees with my credit card and she could give me the cash. However, the account was still completely in her name attached to her social security card. Fast forward a couple months she decided to move out and takes the XXXX account with her to her new place. Fast forwarded almost a year ( I would sometimes get calls from XXXX asking me if I knew where XXXX ( my old roommate ) was and I would tell them no ) I see that XXXX has sent me to collections. I call the company right away pretty angry at the situation because not only did they have all my information but they wrongly sent me to collections damaging my credit. When I asked how they got my information they said that I tried to purchase XXXX once before ( which I immediately canceled due to bad customer service ) and that is how they got my social security number. Anyways, they were not very helpful and told me to file a dispute with the credit bureau which I did and won and it was taken off my credit. However, I recently checked my credit again and it was back on under a different name. I was very confused so I called the credit bureau and they said that after XXXX lost the dispute they sold it to another collection agency! Which seems really crazy to me and completely unjust. The credit Bureau then gave me your information and told me to contact CFPB and file a complaint. This was taken off my account and then was just added by your company I have disputed this and won many time now so I do not understand how it keeps getting bought by different companies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ok I have contacted before then contacted my bank but they are doing the same thing they have done in the past. On Wed XXXX XXXX i had went to staples purchased {$3.00} and some change in copies also the same day before XXXX i had purchased {$17.00} then on the XXXX after banking hours i went to take out an atm fee so what the note said was could charge a fee so i got a mini statement. which cost XXXX dollars. So they turn around change the order they came in charged the atm charge then the mini statement XXXX done at their bank. Then put the fees on the other charges after them even though merchant services now only take one to two days. Also they had sent a account change saying that charges below XXXX would only be charged XXXX dollars. The lady on the phone a moment ago said they changed that. So in effect what they are doing is the same the have always done manipulate the way things come in to charge huge fees 

Company response: Company chooses not to provide a public response
Consumer complaint: After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with SLS under account number # XXXX which was a secured credit line for my home. This account was transferred from XXXX XXXX to XXXX on XXXX, 2013. This loan had a maturity date of XXXX, 2013 and during the month of XXXX, 2013, I called my lender and asked for a loan modification in order to extend the maturity date. I was told that it would be a simple process and kept making payments beyond the maturity date ( checks were accepted by SLS and cashed until XXXX, 2013 ). I was not told that the loan modification would take one year, that I would be reported late, and instead, I was told to continue making payments after XXXX, 2013. On XXXX, 2013, however, SLS stopped accepting my payments and they started to report me as late until they completed their loan modification process. They were slow, negligent and mishandled the loan application process to my detriment. They extended the loan maturity date of XXXX, 2013 by continuing to accept my payments and should not have reported me late to the credit bureaus. I am requesting that they remove all derogatory remarks from my credit report, given that I relied on their statements, I continued to make payments beyond the maturity date, as agreed, I was not told I would be reported late if I went through the loan modification process, and they took 12 months to process the extension, which was eventually granted, but by then I lost my home, since I was not able to refinance due to their negative credit reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had previously put in a complaint on this company and they agreed to remove this amount friend my credit yet today I received a letter asking for me to pay them back, It is illegal for them to contact anyone In Massachusetts for a pay day loan. Previous case number XXXX. The fact that 3 years later I am still fighting with thus company is ridiculous. I want this company to stop contacting me regarding this balance 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm continually getting calls from an agency called XXXX collection. I 've told them repeatedly that the person they are calling for does n't live here that they have the wrong number. They assure me they will remove my number then they will call back the next day. They call very early in the morning, weekends, and it 's really causing me XXXX. A few of the representatives have been extremely rude and and insinuated that I was lying about it being a wrong number. This has been going on for almost.a year. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had failed to make a timely credit card payment to Barclaycard XXXX XXXX. This was just a matter of forgetting to pay my bill. 
Received an email notification reminding me of my need to pay and that it was delinquent. My Account balance to pay was {$180.00}, due XXXX/XXXX/2016. My new statement with additional purchases of {$2700.00} arrived with a due date of XXXX/XXXX/2016. My new statement indicated a late fee of {$27.00} which is standard. It also had an interest XXXX of {$34.00} which is for the unpaid balance of {$180.00} and should not be applied to the new purchases until that payment is delinquent. So an interest charge of {$34.00} for {$180.00} equals 18.29 % for 1 month! or 220 % annualized. Check their math! 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit score for Transunion has changed by almost XXXX pointsd and I have paid all accounts on time with no closing of any accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XX/XX/XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX. ( XXXX ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Multiple calls it in one day, I 've told them to call me after XXXX because of work. XXXX will not work with me on making payments and have the debt removed from my credit report. XXXXsaid she only will have n't debt removed if I pay in full which I ca n't pay in full I would be more than happy to make payments only if they will remove my debt from my credit report once paid in full. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX has been reporting to Experian through XXXX for over 10 years. Recently we realized that XXXX had gone out of business and none of the information we were reporting was appearing on Experian. Furthermore Experian deleted all the information we had ever reported through XXXX without either company informing us. We have been dealing with the manager at Experian, XXXX XXXX, and the supervisor, XXXX XXXX for two and a half months now without any solution. We were denied being able to report to them directly yet we are still being charged to be able to purchase credit reports from them even though at this time we know they are not accurate because valuable information from our company has been deleted. Over ten years worth of information is missing for our customers. Experian refuses to reinstate the information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a job, interviewed, and days later, received a letter in the mail about that potential employer receiving information listed in my credit report without my consent or permission. When I reached out to the individual that interviewed me, I received no response so I presume I did not get the job based on the information contained in my report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Transunion fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( nationstar ) old outdated information from over 10 years ago I have not received one update or letter or email from them 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My personal account is with Sun Trust bank. The paoblem is with a practice that banks use known as reordering transactions. On XXXX XXXX XXXX I had numerous transactions that I made for the XXXX season. On Monday XXXX XXXX XXXX I had a balance of {$45.00}. I went to XXXX and spent about {$10.00} on my debit card, The next morning XXXX XXXX XXXX i look at my phone and see that I am now negative over {$400.00}. I expected to see XXXX overdraft fee because my wifes check that was direct depositied from her employer was incorrect, they did not pay her the full amount due by XXXX of dollars. That being said if the bank had made the debits the way the transactions were made then that would have been acceptable. Instead they switched everything around they paid a large transaction they claim on the XXXX and put the smaller ones that I had made on XXXX/XXXX/XXXX after they cleared the larger XXXX from the XXXX this change caused me to have XXXX overdrafts or {$240.00} in fees. I went to my local branch and spoke to the Branch manager, XXXX XXXX he said that he did not have the authority to drop the charges and that he woudl have to send the information to another department. As of this date XXXX/XXXX/XXXX at XXXX nothing has been done. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I received a letter addressed to my home from XXXX who identifies themselves as a debt collector. The letter indicated that I had an outstanding balance with Green Trust Cash in the amount of {$350.00} principal, {$100.00} interest, and {$60.00} in fees. However I have had no financial dealings with any such company and have never applied for any loans, cash or any other type of account. I called and spoke to a representative of Green Trust Cash who would not provide me their full name or answer any other questions about the account other than to verify that my name was used to open one. I also ran a credit check after receiving the letter and there was no such account that appeared on the report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a previous complaint about Barclays Bank because their records were in such bad shape that I could not get anyone to discuss my charged off account so that I could settle it. ( They thought it was with a collection agency, the collection agency said it was still with Barclays, this went on despite many many phone calls trying to find someone who would accept a payment ) My previous CFPB complaint prompted action from their president 's office to fix those issues so that I was able to enter into a settlement agreement. I paid the amount required by the settlement agreement by XXXX XXXX, 2015. I was told the credit reporting would update on XXXX XXXX to show that I no longer owed a balance to Barclays. 

However, on that date, they only took off the payments I made. They are still reporting that I owe them approximately {$3000.00} even though under the terms of the settlement agreement I owe them nothing and the balance should be XXXX. I attempted to call, and spoke with a regular customer service representative and then a supervisor, who XXXX said the balance would NOT be updated. 
Barclays is either refusing to abide by the terms of our settlement agreement, or its employees are simply not competent enough to update things correctly. This needs to be updated asap because I am in contract on a home purchase, and it can not go through while the lending bank thinks I owe money to Barclays. 

Company response: Company chooses not to provide a public response