AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: i filed a complaint 2 years ago. 
To : XXXXXXXXXXXX : RE : Y XXXX submission [ Case number : XXXX ] Date : Wed, XXXX XXXX 2013 XXXX XXXX, They ( wellsfargo and assurant ) dodged issues, by ignoring my requests and answering an answer that does not pretain to a quastion, also send in tons of irrelevant paperwork, just to drind CFPB down, it is part of their tactics. 
Now it became absolutely clear, what XXXX is doing is beyond writing a worthless check, whcih is withour a doubt criminal offense. I want you to reopen my case, review and compare forclosure procedure in XXXX court, XXXX civil law. Also i have reported him and XXXX XXXX ( XXXX CEO ) to the feds and FBI in XXXX result. 

Reason for refusal to pay is force placed insurance product. Also refusal to review odifications XXXX attempts already, currently the XXXX is in progress @ wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was notified that NCC Business Services was attempting to collect on a disputed rental debt on behalf of XXXX. Because the debt prevented me from being considered for future apartment rentals, I made the decision to pay the disputed debt to resolve the matter and put it behind me. This debt was paid XX/XX/XXXX. I received a letter via email from NCC Business Services that showed the debt as paid in full, and I provided the letter to the apartment office. More recently, I have applied to several apartment communities, and my applications were declined due to unpaid rental debt. This debt is still showing open and unpaid on my credit report, even after almost a year of it being paid. NCC Business Services is responsible for timely and accurate reporting to the credit bureaus for debts they report. They have failed to accurately report this account for almost a year, which has been detrimental to my credit report and has cost me financially due to apartment application fees. I contacted NCC Business Services XX/XX/XXXX to discuss this matter and obtain proof of payment. The first person hung up on me, and when I called back, the representative said my only option was to send an email request to their email address. I have yet to receive the simple letter I requested, and any acknowledgment of my request. This has been incorrectly reported for almost a year. Falsely reporting a debt to the credit bureaus is a violation of my rights as a consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was deceived into obtaining mortgage with Citibank by XXXX XXXX. I was promised closing costs of {$1500.00}, and received bill due in the last moment of {$2300.00}, which is {$860.00} in material injury to me. 
Several facts why this constitutes a violation of UDAAP : 1. I am a first time buyer, with no knowledge of mortgage industry or anyone who went through this process and could help. 
2. Since I am not sophisticated enough to understand the large amount of files provided to me. That 's why I asked XXXX XXXX to clarify for me knowing my situation and all numbers how much closing costs will be. See email attached about me asking. In response XXXX called my cell and explained that official papers always overestimate the closing costs, for me it will be no more than {$1500.00}. 
3. If I knew about the real costs of closing, I would have gone to a different bank for mortgage. For example, I have had relationship with XXXX XXXX representative in regards to my purchase. 
4. I asked for closing documents several times closer to the closing date, but received a copy with final numbers only after XXXX of the day preceding closing at XXXX the next day. This is violation of 24 hours minimum disclosure. 
5. I was promised {$500.00} if I sign up for direct charge of mortgage payments from my citi checking account, but was given the full credit only in unsuccessful attempt of remediation of my high closing costs concern. Fact : I did sign up for direct debit. 
6. It has been over 90 days and still no remediation or reimbursement have been offered, although I have received calls about my negative experience and financial loss. 
7. Every time I asked XXXX XXXX a question about costs, he would not reply in email, but call me or ask me to call him ( see text messages screen ). 
I tried emailing the bank for resolution, there are no e-mail addresses available. I called and discussed my complaint with customer service, but noone ever got back to me or tried to resolve this issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My private loans have been sent to an outside collector named Allied Interstate. They call multiple times a day, they were verbally abusive, and threatening when I had spoken with them. They call all hours of the day, and interrupt me while I am working. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company calls our business daily.  When you answer they hang up. You call them back and they are asking for a person that does not or has ever worked here.  I have asked them repeatedly to take our number off of their call list.  XXXX 
They have called XX/XX/2015  XXXX
XX/XX/2015  XXXX  XXXX  XXXX
XX/XX/2015 XXXX
XX/XX/2015  XXXXM
Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have paid off my XXXX XXXX 's consumer loan accounts as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX of 2014, a debt collector working under STP attempted to contact me at work. When I spoke to them during work hours, the rep told me that if I chose to not take care of the debt today that they would send someone to pick me up that day and proceeded to ask if my mother ( and asked about her name ) would be home that they would be waiting there too. I spoke to a supervisor at that time and she took my card information down so that they can retrieve the funds. I received a call from my father today claiming someone called him on his cellular phone, which I never provided. I call the number ( XXXX ) XXXX and the rep I spoke to was from a law firm that STP hired to settle this matter in court and that I never finalized payment. I agreed to pay off the debt on the phone in payments. I look up the number after the conversation and it is a debt collector. The way they contacted me, my workplace and my father was not right. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have requested this debt to be valided and proper documentation provided to support that I was in contract with XXXX and had past due Cell Phone bills. I disagree that I was in contract and that debt was still owed. After 2 years, hours adding up to over XXXX speaking with XXXX as well as RPM no contract can be located ( there was no contract ). At that time XXXX lowered the debt from {$1900.00} to {$1100.00} I continued to dispute as I know I was not in contract and the response from RPM and XXXX was proven incorrect at which point the reason for the debt was changed. They stated that I cancelled during contract I advise I was not in contract and to supply me the contract at which point RMP asked me to supply them proof I didnt have a contract! That is not even possible as XXXX does not exist. When speaking with XXXX they advise that THEY turned me off for non-payment as the amount being reported was higher than if there was a contract cancellation. I provided XXXX with proof that I was no longer with them and transfered all my phones XXXX XXXX and that if THEY were the ones that turned me off for non-payment I would not to this day have the same number. That is when they lowered the amount as stated above. At that point I offered to settle for {$350.00}, I had already disputed this again for years, was verbally abused by the collectors, disputed it with the credit bureaus, sent in a Qualified Written Request, which no response was ever provided and this showing on my credit bureau has destoryed my rating and falsely represents my ability to maintain my credit obligations. RPM stated they would have to get approval. I called back and they advised me XXXX would accept {$400.00}. I asked for a letter to verify that they would be removed off my credit and that we would settle. I waited XXXX business days and called back. Was informed that the account was cancelled by XXXX and Transfered. I asked for a letter in writing stating what has occured and was provided a letter and was told that they would report to the credit bureau as cancelled. I have again spent months trying to get them to update as THEY ARE OBLIGATED TO DO. This debt is not only showing on my credit but now for XXXX different amounts, {$1900.00} and {$1100.00} and dates!! This is a direct example of their business practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: Tried calling TransUnion for assistance on my credit report. Was told " Special Handling '' is the only ones that can assist me with my report and that I 'd be transferred. No one ever answers when I call. I just receive voicemail. My calls are not returned. When I call back and ask for the direct number to this department, TransUnion wo n't give it to me. I 'm told I just need to call back to the regular number and asked to be transferred. 

I feel TransUnion is treating me different based on my prior complaints to the CFPB, and now TransUnion is failing to provide me the same assistance as they will to others on the phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: I continue to receive calls from Receivables Performance claiming that I owe money. Lately they call continuously and do not answer. Multiple times a day. I have explained that I have not been given verification of debt since I had to pay XXXX XXXX XXXX a sum of money when I cancelled my service in store. When I do get a chance to talk to a representative, they are typically rude and tell me that I owe more money and did n't pay enough. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complain because TransUnion has ignored me request to provide me with the Documents that their company has on file that was used to verify the accounts i disputed they have gone past 30 days mark and can not verify these accounts. 
Under section 611 ( 5 ) ( A ) of FCRA - THEY ARE REQUIRED TO " promptly delete all information which can not be verified " that i have disputed Please resolve this manner as soon as possible, thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: 3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit card account ( account ) had a statement balance amount of {$440.00} dated XXXX XXXX, 2016 due on XXXX XXXX, 2016. 

Prior to XXXX XXXX, 2016, the payment due date, my account was posted with XXXX credits for returns which totaled {$480.00} With the total credits from returns of {$480.00} exceeding the statement balance amount due of {$440.00} by {$38.00}, it appears to me that I did not have to make a payment and I did not. 

Unfortunately, my account was assessed with a late payment fee of {$25.00} for not making a minimum payment. The explanation I got on the phone from the credit cad provider was " credits do not count as payments ''. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was referred to a XXXX XXXX by my doctor and they faxed over a referral with my medical insurance info on it and i got billed because they said that they could n't verify the medicaid part because i didnt give them a copy of the card i tried many times to get a card and to this day since ive tried the first time in XX/XX/XXXX i still have not gotten a card this doctor visit happened in XX/XX/XXXX ive disputed it its come of my credit report and immediately put back on the report it is ruining my credit 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For the past year, I have been in correspondence with Pressler and Pressler regarding at XXXX account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a dispute pertaining to multiple inaccurate late payments reporting after account was charged-off closed XXXX/XXXX/2011. I disputed with Experian and included a portion of my XXXX credit report but the inaccurate infor- matiion was verified. The creditor has stated that these differences on XXXX Experian report should be disputed with Experian. I did so but was not successful in having this inaccurate, injurious info deleted. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Hi my name is XXXX XXXX and I had my mortgage account with ditech. I payed my mortgage from XXXX XXXX XXXX for 10 years, with 0 payments missing or late. But when I transfer the payment from XXXX XXXX XXXX to Amplified my mortgage company Ditech received payment from Amplified and tried to collect from XXXX XXXX XXXX, when the account was closed and they were notified. 
They are claiming that I 'm missing a payment and I have all bank notices showing payment to the account. I sold the house and paid off the account ( XXXX ). They will not release the title and now want to start foreclose steps. I have tried for months to correct this issue and they are not willing to correct the issue. They are constantly harassing me with calls from several agents daily once i explained the issue they are dismissing and refuse to help correct the issue. Now a XXXX dispute has turned in to XXXX with late charges and they are refusing to release the title to the house when I have provided the document showing all payment have been made to this account XXXX. I need a response immediately to address this issue. Please call me ASAP at XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX, I received a mortgage loan for my house XXXX, XXXX. My payment was promised to be an affordable payment. I was paying my mortgage on time but my mortgage payment had a substantial increase where I was no longer able to make payments on the mortgage. In XX/XX/XXXX, GreenTree Servicing, LLC. sued me for a mortgage that I received from XXXX, XXXX. While being sued on the motgage, then another lender name, " Ditech, LLC '' starts collecting on the same mortgage. I feel like my house is going to be part of a fraudulent foreclosure procedure. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This XXXX account reporting is past the statute of limitations please remove as requested 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TransUnion reported false information resulting in my being denied a loan. I contacted TransUnion and received their investigation results with the fraudulent account still on my Report and in Collection. 
Also, I do not appreciate that I have to register online my personal information to retrieve their reporting on me as my identity was stolen and reported by them to begin with. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX and the economy fell in to a major recession.I asked Bank of america for help in XXXX and one day in XXXX XXXX XXXX they call me at XXXX and offered to make my mortgage new principal balance XXXX monthly payment XXXX at 4.125 % .Then they added a BALLOON payment of XXXXI have read that balloon payments were not allowed, by the XXXX frank act.The government gave bank of america money to help and I dont feel I was helped.My monthly payment was XXXX before the modification.I feel they did not use any money from the government to help me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I checked my credit history with Experian Credit Report XXXX XXXX, XXXX and found unknown to me account number XXXX opened with XXXX in XXXX XXXX. I never opened any account with XXXX, never applied for any credit line with them and not aware of any charges for any products or services from them. Also I never got any letters, emails or phone calls from XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a call from this number, XXXX, and as soon as I answered the phone they hung up. I called the number back and asked if someone called my phone and was asked was I my name. I said yes and the person on the phone said unclearly that they were RPM a company based in XXXX, WA and that this was a business call. I asked a business call pertaining to what. We are a debt collector. They said my address to me without the zip code and I said yes. I asked who are you and if I owe a debt mail me proof of the debt. The person asked me to verify my zip code and I responded with you have my address and zip on file. The person hung up the phone on me. I called back more than XXXX times and was hung up on each time. I spoke with a supervisor who also hung up the phone and would not disclose any information about the debt if one even exists. I called again and was told the company 's name is Receivables Performance Management. I XXXX this information and their address is XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX. This company 's other phone numbers XXXX and XXXX, which the last number I have seen on the caller ID many times. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notification from Eastern Account System of Connecticut, INC dated XXXX/XXXX/16. The statement indicates a balance of {$77.00} due from the original vendor, XXXX XXXX XXXX. The notice reads : Your account has been placed with this office for collection. To avoid further collection activity, pay it in full. If you can not pay in full or have a problem, contact this office. 

On XXXX/XXXX/16 I contacted XXXX XXXX XXXX to inquire about a recent bill I received from them indicating a balance owed of {$21.00}. In my discussion with XXXX XXXX they verified my service was disconnected on XXXX/XXXX/16. I was being billed for unreturned equipment. This equipment was returned on XXXX/XXXX/16. The CSR from XXXX XXXX indicated that my account would be updated and a credit balance of {$55.00} would be returned to me. I then asked the CSR if this account had been submitted to Easter Account System of Connecticut and the CSR responded by saying no. 

I then attempted to call Eastern Account System of Connecticut on XXXX/XXXX/16 and the number listed ( XXXX ) only goes to voicemail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Through research I had to find out how the payments were to be made into which I found out the payments were to be made electronically through an ACH ( automated clearing house payment ) form. Well all I wanted to do was terminate the ACH form and pay for the lease through my own means and their website into which you can pay by check or credit/debit card. It states on that form that a submission in writing must be made to MotoLease LLC. for whom the lease is though in a reasonable amount of time for them to respond. I then called MotoLease LLC. to verify that the address I had mailed the letter to was correct. Which it was, but upon verification I spoke with an XXXX at the time and I was notified I would have to pay a security deposit of {$300.00}, and it is not listed anywhere on the ACH form or the lease terms. During that same call I asked XXXX could they waive the fee for that because it is not listed anywhere in the terms and to speak with management I was denied was told my information would be passed along. I call back today ( XXXX/XXXX/2015 ) spoke with another representative today asked about the information and still was not given an answer, but I was told this time that the security deposit amount was {$500.00}, and was apologized to for being given the wrong information. Again I asked to speak with someone in management was denied again, but was told by the same rep ( whose name I did not get ) that they would just cancel the ACH form and I could pay online into which steps I have listed above. To add I was not told by the dealership XXXX ( XXXX ) or even MotoLease how the payments were to be made I had to research all of this information for myself. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company