AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I got a letter from Pressler and Pressler. They claim I owe a debt of XXXX. I requested validation immediately. This debt is not mine and I know they have no proof but the letter and my rights say i must request validation. I sent the request certified mail to XXXX XXXX. recipient did not print name on card. I got some strange looking copies of documents. They claimed to be court transcripts from XX/XX/XXXX. I had never seen these before. There was no court appearance date. I was never served a subpoena or sent anything through registered or certified mail. Even if this debt was mine, which it is not, this would be a lack of due service. you cant just SAY someone owes you a bunch of money and have no proof. I was also given a credit card number I never had. I sent a restricted mailing to XXXX XXXX. The signature was again illegible on the return card. I advised him the documents he sent were not proof of any debt owed to them by myself. I then got another letter telling me of alleged debt to which I am advised to send another validation letter within 30 days or debt will be considered valid. How many times will I have to do this? I believe they are trying to get a default judgement but the debt is not mine. If the debt was mine, which it is not, I feel i should have heard about it long ago since on the paper i was sent it says the last payment was XX/XX/XXXX. Why am I suddenly getting letters from this place now? I realize they are a junk debt buyer but I never had this credit card they say I did. If they could prove otherwise I would not be complaining against them obviously. I feel I will be inundated with mailings from them until i get sick of it and give up. I do not wish to give up because I DO NOT owe these people any money but they are legally allowed to continue to use my name as leverage to try to obtain money that is not theirs. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased my home in XX/XX/XXXX under a XXXX % loan option offered through XXXX XXXX. Because I had no downpayment I was told I would pay PMI, private mortgage insurance, until I had payed my loan down by XXXX % of the home 's value. My loan was for {$140000.00} but the house was appraised at {$150000.00} so I was told if I paid it down to {$120000.00} ( the equivalent of {$30000.00} down ) the PMI would be dropped. 

My loan was sold to Wells Fargo home mortgage in XX/XX/XXXX but the parameters of my original loan stayed the same. In XX/XX/XXXX I was able to take advantage of lower interests rates and refinance my home under what was marketed to me as a NO APPRAISAL loan. I even have documentation from the mortgage consultant that states WE REQUIRE NO APPRAISAL AT THIS TIME. Because of the refinance, I have been able to more aggressively pay down my mortgage and have finally reached the magic number ; {$120000.00}. I called Wells Fargo to negotiate the terms of dropping my PMI and I was told by the representative that I was not eligible due to my home 's value. I asked her to clarify, as I HAVE A COPY OF THE ORIGINAL APPRAISAL that says my home is worth {$150000.00}. She explained that she had no record of my home 's value prior to XX/XX/XXXX, when they " pulled comps '' during my refinance and reappraised my home for {$110000.00}. 
In XX/XX/XXXX no one ever came to my house to view the property for appraisal. In fact, no one even called. Wells Fargo did not ask me if I had made any improvements to the property ( which I had ) and every time I call I get a different answer from a different person. Well 's Fargo has committing fraud by lying about the perimeters of the refinance and offering an appraisal value of a home THEY DID NOT EVEN LOOK AT. What they are doing is wrong and I feel frustrated, taken advantage of and lied too. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have dispute with Experian serveral time to delete XXXX of same account that was files as bankruptcy in 2008, the account name is XXXX XXXX ID XXXX and XXXX XXXX ID XXXX are the same account for the amount of {$730.00} I have request to removed but all other credit report has removed it, Experian has my score to lows and this need to updates. I also have another account that was files as bankruptcyXXXX XXXX ID XXXX I also need that one removed like other credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter on XXXX XXXX, 2015 from Jefferson Capital dated XXXX XXXX, 2015 ( attached ). 

On XXXX XXXX, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received XXXX XXXX, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal. 

Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bureaus. 

Because they have violated by rights by improper reporting/ defamation and disregard to my right of validation and dispute, I am requesting immediate removal of this item from my credit reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on or about XXXX/XXXX/2015, i requested that u s bank send me a modification package. 
owr, which I did not receive within 5 days the notification of receiving.nor a respone to my request 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I had water damage to my condominium from a ruptured sprinkler pipe in a neighboring unit. We began to repair our home during the spring and summer out-of-pocket before we got our insurance settlement in order to expedite our return home. In total, our repair costs were approximately {$40000.00} This loss was ultimately covered, in significant part, by my insurance settlement. I received {$33000.00} from my insurance carrier, which I remitted to my mortgage holder as loss payee as soon as it was received in XXXX, 2015. 

My mortgage company has been holding onto this money without a legal right to do so. Our mortgage agreement allows them to " hold such insurance proceeds until the lender has the opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction. '' They conducted this inspection on XXXX XXXX, 2015, and both the inspector and customer service department indicates that the work has been completed to their satisfaction. 

Nevertheless, they continue to hold onto these insurance proceeds, creating a financial hardship for me and my wife who had to repair our home without the benefit of having insurance. Meanwhile, the mortgage holder is profiting from the float. 

When I call their " loss draft department '' they come up with novel things that I have to do, including, most recently, that I have to write them a handwritten letter recapping what I sent is a series of other letters. None of this is allowed in the mortgage agreement. 

This is a classic example of consumer fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I have been Macy 's customers for years without any real issues. Recently, however, we received new credit cards. When I went in to view my current balance, I discovered that there were other account numbers ( XXXX for internal charges and XXXX for external charges ). However, I was unable to login with either number and so unable to view my balance. I called Macy 's customer service and was told that these were old numbers - XXXX was replaced by the new card and the other was replaced when we experienced fraudulent use of our credit card. I spoke to someone who was able to replace the old numbers with my current number. However, in the process, it appears she wiped out my account history. I have made repeated calls trying to get this rectified but so far to no avail. A common theme is that I am told that there is no history to which I reply I understand and I want that corrected. I have called and been connected to Tech Support ( XXXX ) on XXXX. She assured me that there were system issues and that this would be resolved within XXXX hours so we set a time of XXXX at XXXX XXXX ET. No change. I called back on XXXX ( XXXX ) and was connected to XXXX. We went through the problem again and he assured me that he would check into it with XXXX Support and get back to me by Wed. around XXXX. Again no call back. To date Macy 's has shown no interest in resolving the problem. This opens the question of whether or not they are able to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was not the owner of this property for the year listed on the Tax Lien according to the XXXX County, Board of Assessors. ( See attached ) This Lien is a non issue with XXXX and XXXX but I ca n't clear it up with Transunion. 

Company response: Company chooses not to provide a public response
Consumer complaint: I entered my identification inormation in, I did not recognize or remember most of the correct answers. The website then told me I ca n't get my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I got a mortgage for a small XXXX bedroom mobile home through XXXX XXXX Mortgage. The contract was a forgery, signed and altered by the seller in order to change the interest and payment I signed for. XXXX ignored all my complaints so I continued to pay the payments until I was sent to prison in XX/XX/XXXX. XXXX forgave the debt and filed it with the Credit Bureau as such. Now this Ditech Financial LLC is illegally harassing me for a debt that was not only forgiven but the statute of limitation bars any collection. There has never been a judgement against me for this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint is regarding the manner in which Bank of America has chosen to handle the short sale process. 
Complaints are as follows : ( 1 ) Not communicating with the realtor in a timely manner to ensure that documents where submitted. 
( 2 ) Repeatedly asked for multiple documents that were submitted on a number of occasions. 
( 3 ) Frequently lost documents that were faxed multiple times and then when stated by Bank of America that they received it they were not legible or not in the correct format, so either documents were refaxed or reloaded into the equator system on several occasions. 
( 4 ) The phone number to the assigned short sale representative, when contacted is usually disconnected or out of service. 
( 5 ) Failing to respond or return phone calls and voicemail messages from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the short sale specialist XXXX XXXX XXXX ) XXXX ext. XXXX. 
( 6 XXXX Frequent phone disconnections. 
( 7 ) Failure of delivery of timely and acute information regarding the short sale application/process, for example the amount of the appraisal. 
( 8 ) Submitting an offer and the sale date was not postponed. 
These are a few of the many concerns/complaints regarding the loan. 
According to Bank of America records I, current owe more than what the property is worth and after several attempts to receive a loan modification I decided in order to prevent a foreclosure that a short sale was my best option. However in any application that is submitted to Bank of America regarding a loan modification or short sale, I feel that Bank of America is not giving the opportunity to rectify the situation with an active offer on the property. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received XXXX returned check notices from my bank. Both notices were for large amounts of cash to be paid to a mortgage company that is not my lender. 
Date Amount check no action taken fee chargedXX/XX/2015 {$3000.00} XXXX Returned $ XXXXXX/XX/2015 {$3000.00} XXXX Returned $ XXXXThe company trying to access the funds was Freedom Mortgage Company which is not my Mortgage Co ( Lender ) I contacted them and they denied trying to access money from my account. The bank gave me their name. I spoke with a XXXX at XXXX. I contacted my Mortgage lender to see if my account had been transferred to Freedom Mortgage and they said it had not been transferred. I do n't know how they got my banking information and the amount they were trying to access is double of what I pay to my mortgage company. The name of my mortgage company is XXXX at XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX disclosed that I was paying significantly higher insurance premiums due to information in my credit report. They arranged to have TransUnion ( TU ) send me a copy of their report. I had never seen it before and discovered that it had highly inaccurate, false and misleading information which appeared to leave a 10-year " gap '' in my record. The proper explanation is that : in XX/XX/XXXX I was upgraded to an XXXX XXXX XXXX XXXX XXXX XXXX with high credit limits replacing my original XXXX card started in XX/XX/XXXX. It became my primary credit source for the past 16 years. The face of the card clearly states that it continues my XX/XX/XXXX membership. TransUnion erroneously reports only the old card which was superseded in XXXX XXXX as having a {$0.00} credit limit and closed 10 years later in XXXX XX/XX/XXXX without explaining the actual change which took place. On XXXX XXXX I called TU about XXXX-XXXX AZ time and talked to XXXX . I asked that TU provide the above explanation as to what really happened to the old card EITHER by verifying it with XXXX Credit Bureau ( whom I authorized to give information to TU ) OR by allowing me to provide such a statement correcting my credit report. I then talked to his Supervisor, XXXX, who confirmed to me the points listed below which were stated by the TU rep accuratly reflect TU 's policies. I believe these stated policies conflict with my rights under FCRA. TU 's policies are : 1. TU is mainly a reporting agency of data given them by whichever creditors chose to file periodic reports. It is " not our job '' to seek out or investigate any missing information brought to our attention which might adversely affect a consumer 's credit record. 2. I asked how I could proceed to file a grievance or appeal on the omitted information. I was told that TU does not have any such procedure for doing this. 3. I asked if I could provide a brief statement giving the true and correct description which explains that certain credit information is omitted and why. I was told that consumers are not allowed to give their side of any dispute or denial. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been experiencing identity theft and also i have been going through a lot of financial situations. I recently opened a small business and had different of personal accounts that different people from different organizations and other trust fund monetaries that where left to me from a deceased individual, that explained that she wanted her money to go to a charity of some type. I was left a sum XXXX XXXX dollars close to in XXXX XXXX i should say. I opened my investment account and I did the appropriate paperwork for the trust fund account and gave the appropriate distribution for how the money was supposed to be distributed equally each month and to each account. Every single account that I have opened and every deposit that was either transferred and or supposed to be wired, released to the account and then in increments where transferred out of the accounts slowly and shortly. While at the same time the accounting information online are telling me pending. By the third day of the payment holding process the bank then shows that the account funds was insufficient and on top of the NSF message i had to pay a check refund payment. Every single time the check goes through a specific holding period the funds within that period are released and then the information changes and says that it can not be processed and the checking funds was stopped. This has happened with a repeat number of my accounts causing me to go negative within my business to take a major loss on the business and personal aspect. I then try to get some type of confirmation and or repayment and the companies try to tell me they can not locate the account and or they can not understand what happened with the account. I filed different police report numbers and have been to different agencies and yet i am still without any account and or without any funds at all. I do not know exactly what to do and or how to get my funds back nor do i know how to or what to do because it has even been a change in the police reports that i have done missing information at the merchants, and /or the different companies that i have used for money accounts and or for personal stored information. I have tried protective custody switching name and personal information on my accounts plus more and at this point i am at a total blank of what is going on or what to do next. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment for my installment loan via EasyPay Finance and to my surprise, it has not been processed yet. I did, however, receive a confirmation number but even then the payment has not reflected on my account after 2 days. I spoke to XXXX representatives already and only XXXX was able to help but was n't too professional either. The problem here is that if I made a payment on a certain day then it should be processed for that day. It seems to me as if EasyPay/Duvera Financial is just trying avoid payment to cause a delay purposely to see what they can get out of it. I have proof of everything I record everything I do when it comes to them for safety reasons. Anything I can do to resolve this matter? 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Continued security issues caused by inappropriate policy promoting identity theft within the company. ( First reported XXXX/XXXX/15 ; problem still exists ). On XXXX XXXX, 2015 I called Sears Mastercard because XXXX my card had been declined by Sears even though the account is in good standing. The CSR asked for my " personal password '' and even though I know this is illegal & I addressed this issue back on XXXX XXXX, 2015, I went ahead & complied with the request. I was then advised by the CSR the password I gave was incorrect ( it was not incorrect ) & that I should be giving the name of my first pet. Immediately, I realized Sears had not done anything to address my complaint dated XXXX XXXX, 2015 as they were still practicing a policy which jeopardizes the security of their customers accounts by asking inappropriately for a personal password when what they really want to know is the " Secret Question '' answer. The CSR 's are not asking the questions appropriately. I advised the CSR of this & was told this is the script they are told to go by. Yes, this happened in XXXX 2015 as well. I advised the CSR to please mark the account that I am officially complaining for the second time this year about their policy, because now I complied with their request to reveal my password only to be told that it was not what they wanted to know. What that means is a ) I now have to change my password ; b ) they never fixed the problem ; c ) they are promoting identity theft ; d ) they are not securing my account, but instead are jeopardizing it ; and, e ) Sears is proving it can not be trusted to protect the accounts of its customers. Since this has happened before, this has to be taken seriously, because their Customer Service department is not listening or taking initiative to solve the problem. Therefore, I am taking serious action. If this issue is not resolved I will take this to the media and advocate a large scale investigation of this banking institution for potential fraud against it 's customers. It is very clear to me that Sears does not take security seriously. They might as well stop trying to say that they do, because they are not doing anything to help the situation. As it turns out my account should never have been flagged for potential fraud. They were only harassing me. Ultimately, I am glad it happened, because it allowed me the opportunity to catch them in the act of just how under-protective of my account they are. I can not believe they would ask for a password knowing that a Customer can actually give them the password trusting them to handle the situation appropriately. Then when you give them the password, they reveal they did n't want the password ; they wanted the secret question. Again, this is XXXX totally different things. Unacceptable. Seven months has passed since this was first reported. Nothing has changed. 

Company response: Company chooses not to provide a public response
Consumer complaint: tion or Company : Wells FargoStreet : City : XXXXState : NCZip : Phone : Type of Account ( s ) : ( If you are unsure of the type of account ( s ), please contactyour financial institution for assistance. ) Deposit Account ( Checking, Savings ) _X_ Credit Card ___Loan Product ( Consumer, Mortgage, HomeEquity ) ___Asset Management ( TrustAccounts ) ___Consumer Leasing ___NonDeposit Account ( Investments ) ___Insurance ___ Other XXXX Print Complaint FormXXXX XXXX XXXXXXXXHave you tried to resolve your complaint with your financial institution orYESIf Yes, when? 
XXXX/XXXX/2015How? 
Phone, OtherHas the financial institution responded to your complaint? 
NOIf Yes, when? How? 
Contact Name : XXXX : call center XXXXCOMPLAINT INFORMATIONDescribe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount ( s ) and date ( s ) of anytransaction ( s ). Be as brief and complete as possible to make the explanation clear. 
Do not include personal or confidential information such as your socialsecurity, credit card, or bank accounts numbers. 
They have, for the 3rd month in a row, stolen {$14.00} from my business checkingaccount even though it is linked to a {$19000.00} credit line which waives the $ XXXXfee. Called their phone center 45 minutes got an XXXX who lied aboutwhere she was, refused to transfer me to a supervisor and said they wouldcall back still waiting for XXXX others to call back from Tuesday andWednesday. They claim they fixed the issue fully knowing that this is untrue. 
They think that I wo n't notice this charge and/or wo n't waste my time tryingto resolve. They are doing this to every small business and you need toinvestigate this fraudulent practice For me, I want a refund andcompensation for my time as well as seeking that you fine them for fraud!!! 
They are XXXX with me and charging me {$14.00} when my line of credit isover {$10000.00}. They have XXXX with me for the past 3 times and have LIEDsaying this has been corrected. MAKE THEM FIX THE ISSUE AND STOPATTEMPTING TO STEAL FROM ME. HOW DARE THEY BLATANTLYATTEMPT TO STEAL MONEY FROM ME AND, WHILE YOU ARE SUPPORTEDBY THEIR LOBBY, I EXPECT YOU TO SOMETHING ABOUT THESECROOKS!!! 
Please be advised that the issues described in this complaint will be shared with 

Company response: Company chooses not to provide a public response
Consumer complaint: After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX XXXX, the file is again reopened for a third time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know. 

Company response: Company chooses not to provide a public response