AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had made a payment with my credit card to settle the debt owed. I have sent a copy of my credit card statement to ERC Collections showing my payment but they say their system shows no payment. They have wrongfully reported this to the credit bureau even though I have paid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Generation MortgageXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : loan # XXXX XXXX XXXX & XXXX : XXXX obtained a jumbo reverse mortgage loan from you on XX/XX/XXXX. There was an underwriting condition for " a set aside of {$26000.00} for one years ' worth of property taxes and insurance plus 10 % '' ( see attached underwriting conditions ). 

My first installment of property taxes was paid, but my second XXXX was not. As a result of this XXXX XXXX installment not being paid on time I incurred a {$940.00} late penalty. I always pay all my bills on time and never would have allowed this to occur had I not understood that you were going to pay these taxes for the first year. 

The loan is now sold to XXXX as of XX/XX/XXXX, but you owned this loan when the XXXX XXXX became due in XXXX and also owned it when the taxes became delinquent on XX/XX/XXXX. I was never contacted or notified that you did not pay them, and since you had withheld the funds to pay them and had paid the first XXXX, I fairly assumed that you would use the withheld funds for the purpose that they were withheld and intended for and pay the XXXX XXXX of taxes as well ( or at the very least notify me that you could not for whatever reason ). Because your error of not paying them within the grace period cost me {$940.00} I need to be reimbursed by you for this amount. 

Please forward me a check in the amount of {$940.00} to reimburse me for your error in causing this burdensome fee. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXXXXXXXXXX. I have previously sent this same letter to you in XX/XX/XXXX. I have never received a response from your company. I have also contacted the company you sold this loan to, XXXX and they state that they did not acquire the loan until the tax payment was already late ( which is true ) so the responsibility for this error lies with your company and I insist that you correct it by sending me a check for the amount of the late fee I incurred by your company 's lack of follow through and financial disregard for my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a call from Sunshine Credit Services debt collection agency at XXXX. 
" XXXX '' stated my name and phone number was " associated with an outstanding debt ''. 
I did not recognize the company that the person said I owed over {$480.00}. 
I asked to speak to a supervisor and I was not nice. I spoke to a XXXX XXXX. 
They said they had the wrong number. But when I told them they originally asked for : XXXX XXXX at my home phone number. 
They then said that they made an error. 
I asked them how they got my name and number and they said again that " They called this number in error '' Again, the opening conversation was " Is this XXXX XXXX? '' The person stated that I owed a company I have never heard of over XXXX dollars. 
I am worried that I am a victim of identity theft and what if they called an elderly person who was intimidated? I am a XXXX and see all the time the elderly being taken advantage of by callers that have " scams ''. 
Please follow up so this never happens to anyone else. 

Company response: Company chooses not to provide a public response
Consumer complaint: Filled out the form and mailed it to XXXX, GA. I had asked for all XXXX reports. Experian balks and refuses to supply a report. They ask for additional data. They need a copy of a bank statement, a copy of a State issued ID, a copy of a utility bill and addresses for the last two years. XXXX did send me my report. I have been receiving credit reports for the last fifteen years w/o a problem. I ask them for data and they respond by asking for data?? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/15 I used a Bank America promo check - which was guaranteed no interest for a year. AT the end of XXXX the Statement showed that as I had paid over amt due - that my promo debt went from XXXX to XXXX. So far so good - then in XXXX I overpaid again - but instead of the promo debt going down or staying even it went up to XXXX. WHy? I called 18 times and told all kinds of reasons to be overcharged. Today a so called exec said they do not tell promo balance to members cause they do n't period. SO how is one to know a promo balance in order to make sure it is paid before APR interest collects. My contratc with them says I have 1 year but if they increase my debt each month it will NEVER be paid. 6 hours, XXXX phone calls, XXXX emails and NO assistance. It seems to me they want promo people to default to collect extra interest compounded backwards to make it worse. AT least tell me each month how the promo is going down or remaining the same not going up????? 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America which is my mortgage company had been reporting my account as 30 days late as of XXXX, 2015 even though I have been paying my mortgage on time. I spoke with their representatives 4 times in this week, and they ca n't figure out why my last payment of XXXX went to XXXX account. Because the bank sent me a letter last week and asking me to send that amount to complete the XX/XX/XXXX payment for this year. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion refused to provide a copy of my credit report. The need more data - Like : a bank statement, copy of a SS card, copy of a birth certificate and on and on. XXXX did send a report, the data I supplied was good enough for them. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I cancelled my cable service with XXXX XXXX and followed their instructions to disconnect the service and return all the equipment. I verified with the clerk that took the equipment that there was nothing more that I had to do. A week later I received a letter from XXXX XXXX acknowledging the disconnect but that I had to return the equipment. I called and verified with the customer service representative that they show that I returned all equipment. One week later I receive a bill from XXXX XXXX for the next month 's service. I called again and was told that someone cancelled my disconnect order. I assured them that it was not me and that I no longer had their service in my home. I was told I would still have to pay the bill since I had access to the cable and I had not properly ordered the disconnection. I had the letter from XXXX XXXX acknowledging the disconnection effective XXXX/XXXX/XXXX and said I was not going to pay the bill. The agent then told me I still owed for the equipment. I gave her the receipt number for the equipment. I am then told by the agent that I still had to pay a fee because of early termination of a locked in rate! I asked for a signed contract showing that I had contracted for this supposed locked in rate, but never received anything. The next thing I get is a collection notice. I send the collection agency, my letter, the receipts and the letter from XXXX XXXX. I received a response back that no further action was required and I did not owe the money. This was early in XXXX. On XXXX XXXX, XXXX, I received another notice from a collection agency that I still owe the {$45.00} from XXXX! I called immediately and the agent told me that I had to pay this money. I explained that this was resolved in XXXX and told them to have XXXX XXXX research their records. I was told I had to send them the documentation from XXXX. I no longer have this documentation. I am sure that I shredded it earlier this year since it was resolved and I had no reason to believe that I would hear from them again. The agent told me that I still had to pay the money. I told her to go after legitimate debts and stop harassing me about this unjustified charge. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I have received several voicemails advising us that we have completed an illegal transaction that, depending on whose voicemail it is, has ranged from an insufficient funds check to an invalid account. Via voicemails, the agent is telling us that our account is behind due to invalid/insufficient funds and that we are past due. She also states that what we have done is illegal. We always made our payment timely and frankly, I am stunned to receive such a voicemail, when I know that what she is saying is not true or legal to say. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is an insurance claim that I have talked to the provider about and provided insurance information to. I was covered by Medicaid and the provider is NOT suppose to bill me for anything other than the contracted co-pay set by Medicaid. {$1000.00} is NOT a co-pay. When I talked to the provider of the medical services, I gave them the insurance information and they said they would file it with Medicaid. I am not liable for this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We bought into a XXXX membership and they had us go through Universal Account Servicing LLC to finance the membership. We bought in on XX/XX/XXXX planning on using the membership in the future. This XX/XX/XXXX we went to use XXXX and found out they closed all their locations in New England in XX/XX/XXXX. When I found out the showrooms all were closed I contacted XXXX and informed them I believe the franchise owner knew he was closing all his showrooms ( 3 months ) and sold us a membership anyway. I informed XXXX the reason we bought in was the showroom and advisers, which now we did not have access to. At first XXXX would not cancel the membership. I contacted the Attorney General Office and filed a complaint. When I informed XXXX I filed a complaint with the AGO they Pro Rated a refund/cancellation. After the settlement I spoke with AGO and I was informed there were other complaints with XXXX. while speaking with AGO I mentioned that our credit rating was poor and we were turned down for every credit card and credit purchase. I asked about how we were able to get a {$4000.00} loan when we have been turned down by every other company, AGO said I should contact the Banking Commission. I am contacting you because I fell this was a planned scam. And if you have any other complains with Universal Accounting Servicing LLC. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Drive Time has to be the worst company by far. After being harassed the first time around the company still can not get it together. I had to put money in to my car which my warranty did not cover, I faxed all the information requested months ago for deferments which the people I spoke with several times had stated was approved. But due to a payment becoming a few days late because my account was froze due to fraud they did not process the deferment. Which is causing it to show that I am behind {$700.00} + on my credit report. So when I contacted them again after numerous times of keeping in contact they told me to call back at the beginning of the month to start the deferment process over again. Well I called today and of course they could n't do it for the full amount they stated they would before and I have to fax where I had the repairs done again with the receipts ( which I do not have because I already faxed in to them once ) before they would do anything. I advised her that I do not have those why did her company not keep them on file and she stated they have no place to store them. Company 's usually keep records of these types of things but apparently not drive time. They go out of there way to make it difficult for anyone. Granted I have had this car for almost 3 years and my loan has n't budged due to the interest they charge. The car is falling apart and the company refuses to work with you. They can just have the car back. Its not worth the hassle or the headache or {$470.00} a month. All they do is take advantage of people and ruin there credit even more. I have recorded each call and plan on speaking with my attorney again due to this situation. Others should know how horrible of a company they are. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have small business and I was have XXXX Insurance XXXX and XXXX Insurance send my company to collector for {$610.00} only for change the company they do n't happy we us went I tell I do n't going continue with your service and after that they send me the bill for {$610.00} And I do not owe they anything. collector company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXXClaim No XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested my credit score/history, and company could not find any credit history. They kept sending the same forms saying I was n't providing the proper information or wrong information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear XXXX ; In receipt of today 's conversation with the representative and point of contact from the Wells Fargo Home Mortgage Executive Resolution Team, XXXX XXXX. It has become crystal clear to me that not only are the representatives stalling for time and are also un-knowledgeable concerning my account. I was given a scope of reasoning for which there were XXXX escrow analyses performed within a three month period, without my consent. Additionally inquiring about the unapplied funds from the deposits I personally made. XXXX for {$490.00}, {$820.00} and {$1100.00}, which have not been applied and gaining interest by Wells Fargo. The reason I know this is due to the fact that I have now begun to receive correspondence from the NC Foreclosure Prevention Fund and State Home Foreclosure Project / case # XXXX. XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX XXXX. When inquiring to XXXX XXXX as to why I started to receive this correspondence and if the deposits I made had been applied, his reply was that he had no knowledge. One of the reasons one is appointed a point of contact and working on this issue since XXXX 2015, is to gain a scope as to why this is occurring. It is appalling to continue to be forced to have an outside agency look into these matters, when this organization ( Wells Fargo Home Mortgage ), is supposed to be of assistance in these matters. I have personally walked into the branches of Wells Fargo and made all of my payments over the counter and in person, I 'm also familiar with the branch managers. They have also had to hear of my frustration with the XXXX branches. Additionally when making these payments, it is my understanding that Wells Fargo Bank , N.A . are directly linked to Wells Fargo Home Mortgage, in making and receiving payments. So I ask the question, why are my payments not being directly applied to my accounts. I herby request a full audit of my records and payments and also request a point of contact that is fully knowledgeable with the payments and banking institution of the XXXX. I also requested all payments posted, as I have all of my bank deposits and records available. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX keeps trying to charge me for a month of service after I canceled my service on XXXX XXXX 2015. I returned my rented modem in the store and was told that my account was settled up, my auto payment was cancelled and that I would be billed for approximately {$28.00} on or about the XXXX XXXX 2015. On XXXX XXXX 2015 I was charged for the entire amount of $ XXXXXXXXI called on or about the XXXX of XXXX and asked why I was charged the full amount. XXXX informed me that this was an error and that I would be receiving a check for {$42.00} in the mail. On XXXX XXXX 2015 I was charged an additional {$71.00}. A few days later when I called XXXX I spoke to a few different representatives. First representative told me it was for my XXXX services since XXXX always bills a month in advance. Their website confirms this XXXX. The second representative told me that my services were still online because I did not turn in my modem, I informed them that I had and they said " oh yeah it looks like you have. '' I asked to speak with the next level manager who then told me at first that it was for my XXXX services. I informed them that I had canceled on the XXXX of XXXX and they then switched their story to " right you need to pay for the entire month of XXXX '' when I asked why it was n't Pro-rated they told me you pay after the services are consumed not before, a direct contradiction to my bill, their website, and the previous representatives. I was told their manager would call me back they never did. After a few more days I filed a dispute with XXXX XXXX. XXXX XXXX investigated the dispute and determined that the bill was not in fact mine. After XXXX lost the dispute I got a bill in the mail for my cable service for the month of XXXX and they have submitted the entire amount to a debt collection company. I am paid up and keep getting different stories from their representatives on the phone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an Loan with cash call and paid them way more like 3 times the loan and they harass me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am retired aged XXXX years. I lost my job XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and two times XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate and principal amount to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 5 months before closure and now I can not reap the rewards of this annual-fee credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 3 months before closure and now I can not reap the rewards of this annual-fee credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclays closed my XXXX Rewards card out of the blue. I had paid the annual fee of {$89.00} several months before closure and now I can not reap the rewards of this annual-fee credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: BARCLAY BANK issued a XXXX XXXX credit card to me and within a few months I received several unauthorized charges. Many calls were made to correct this over a few months. Reassurances were made by many representatives that the charges would be corrected and the account was closed for safety purposes. Yet the charges continued and the calls to Barclays continued. The last correction was for {$49.00}. Two months later I received an email for a late balance all regarding this {$49.00} and interest and multiple late fees. A bill that I was guaranteed had been removed after several more calls. I am refusing to pay this bill and I am not receiving any satisfaction from BARCLAYS BANK to correct this problem. How does a person protect themselves from these issues? This card balance should be XXXX. However ... 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I purchased a US Bank issued XXXX gift card of {$500.00}. It failed to activate. I was instructed by the representative that I would have to fax in a copy of my receipt. XXXX An aside, fax is 15 years outdated. I do not own a fax machine, nor do I have access to XXXX. I had to settle on using an online service, which is less secure than me emailing it over my https XXXX account. ) I faxed this information in on the same day, XXXX. Today, XXXX I called fully expecting my activation to be complete after 2 business days. The rep told me it could day 10-15 business days! That 's up to 3 weeks! And I have no assurance that my paperwork was even received on their end to be processed, nor do they have a method of contacting me back that it has been activated. 
Their system needs a complete overhaul. It is n't sufficient to meet consumer expectations nor needs. 

Company response: Company chooses not to provide a public response
Consumer complaint: I consolidated with Bank of America credit card. Due to the nature of XXXX of my loans ( it was a line of credit with my bank ), the consolidation was split into a regular credit card balance transfer and a cash advance. I now have two different % rates, and I can not pay the higher one off first. They are using a law meant to protect consumers against me. The promotional rate has long expired, so now I 'm stuck paying down a loan where the interest rate is killing me, and I ca n't choose to pay the higher one off first. 

Company response: Company chooses not to provide a public response
Consumer complaint: They are not doing proper investigation of my accounts. Under the FCRA they need to contact the company not just a XXXX digit code. Also under FCRA section XXXX they need to have proof of the account in their records in order to report it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have tried for the past 1.5years to negotiate repayment plan with BOA/XXXX without success 

Company response: Company chooses not to provide a public response