AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am an XXXX. I tried to rent a place 2 years ago, close to the University XXXX. At that time I had never been in campus, so I asked the receptionst for advise about how close was the apartment complex to the XXXX of the University XXXX. They said that they were XXXX min. walking to the XXXX. 
They immediately they asked for my information, my social security number, etc ... and sent me the contract to fill it outt. I never signed the contract in their offices. 

I never did it, because when I arrived to XXXX XXXX Michigan and discovered they did lie to me, I asked to cancel the contract and they did it by word. The manager told me that they were so sorry and that they understood that they were not that close to the university. 

Everything went well, they have my email address. 
They never contacted me again. On XXXX XXXX, I received a letter from ProCollect with a debt of XXXX dls. 

I do not recognize this debt because I never lived in XXXX XXXX, and I never signed a contract in person in their office. 

Now this is affecting my credit score. I have't had any problems with my credit scores before, I always pay my debts when I know I owe money but they never tried to contact me during this 2 years and now they are just affecting me. 

The manager at that time told me that I was fine. I do not have any other documents from them telling me that I owe money. 

So I do not recognize this debt, since the manager canceled it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Harris & Harris XXXX XXXX XXXX XXXX, Illinois XXXXPhone Number : XXXX continually call my phone every morning. I have informed Harris & Harris that this debt is included in Bankruptcy that was file XXXX/XXXX/2014. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've attached a PDF that explains what I 've attempted to have removed from the XXXX credit bureaus. My XXXX frustration and complaint is the inconsistency of reporting between the XXXX bureaus.My XXXX frustration and complaint is the inability to remove someone else 's public record ( Judgement ) that is on XXXX of XXXX of my reports. My final frustration and complaint is the fact that there are multiple levels of credit reporting and scoring ( consumer and industry ) that are only available to industries such as Mortgage, Credit Cards, and Auto. These industry level credit reports vary greatly from the consumer reporting and scoring. And they are fraught with errors greater than the consumer reports. In my case the mortgage credit report has scores 25 % lower than my consumer report and the XXXX public records on my consumer report are duplicated to show XXXX public records on the mortgage report. XXXX has someone else 's address and refuses to correct it to my address and they have XXXX public records that have {$0.00} as the amount ... yet they refuse to remove. These public records are explained in the PDF I 've uploaded to you and they need to be removed ASAP. XXXX has removed the judgement XXXX XXXX of XXXX public records ). Experian also refuses to remove the XXXX public records. The only good news is that on my consumer reports a XXXX lien of {$120.00} was removed by all three consumer reports BUT is present on my Mortgage report ( All XXXX Bureaus ). In other words, the XXXX bureaus remove the {$120.00} lien that was in error, but kept them on the mortgage reporting and scoring!! So, in conclusion I see no purpose or value to the consumer reporting and scoring since the lenders, be it auto, mortgage or credit card, have significantly different scores and reports from the same XXXX bureaus ... and removing from the consumer products does n't guarantee removal from the industry product. This is so unfair on every level. And the consumer has no access or ability to contest or correct the industry level credit reports or scores!! Government needs to simplify and create an oversight department that governs them and keeps them honest. Please read my PDF and help me. After 37 years as a XXXX I 'm prohibited from getting a mortgage due to errors on my consumer reports and inequalities with errors on my industry reports with with only foreigners and non-US citizen to deal with over the phone and via mail/fax. That 's the strangest twist of this entire story. People outside of the USA are making decisions for US Citizen 's credit woes!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit agency ( Trans Union ) has reported an installment loan from a " sub prime '' lender ( XXXX XXXX XXXX ) that negatively effects my credit rating ( which does not belong to me ) and claims they have verified with XXXX XXXX that the transaction is mine. I tried to contact XXXX XXXX XXXX at the address given XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX ) and there is no XXXX XXXX Office in that town and the phone # sounds like a fax signal. Trans Union offers to submit dispute electronically ( XXXX time and expects to get a different response ) but will only submit Social Security number info ca n't or wo n't ask for contracts or name and address or any other pertinent information. So the disputed transaction ( even though the account is closed and does n't belong to me ) stays on my credit report as a negative factor. 

Company response: Company chooses not to provide a public response
Consumer complaint: After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was scheduled to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in English. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, Transunion, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am XXXX I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX and the stress these companies have caused me have effected my XXXX, I 've spent large amounts of money sending certified and expedited mail the last XXXX months with no results. Thank youXXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. at this time. home depot is paid in full. it was a washer. I closed the card because of the unprofessionalism of their customer service. therefore I did not want to do any business with them. 
2. Att. uverse. I sent them their receiver back and that has shown up. They are charging me for something that I am not using. 
3. I have no idea what XXXX or XXXX is. 
Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Receiving daily phone calls to collect debt for XXXX XXXX ( not sure on spelling ). Phone call asks to press XXXX to confirm you are this person since I do not know this person and it is a different last name I just hang up the call but calls continue to come every day. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has repeatedly released my credit report to XXXX XXXX. I have complained before ( Though CFPB ) and all they do is remove the inquiry. These are account review inquiries and I DO NOT HAVE AN XXXX XXXX ACCOUNT. That is clear from my credit report. I have opted out of marketing emails for LIFE and also have a security freeze on my account. There is no reason for them to release my report without my authorization to a company that I do not do business with. 

Company response: Company chooses not to provide a public response
Consumer complaint: We sent in a Loan Modification application on XXXX/XXXX/2015 to the lender, Bank of America. at that time, they had a sale date scheduled. we requested a postponement to allow a review and it was pushed out to XXXX/XXXX/15. we waiting for over XXXX weeks to get an update, calling weekly, only to be dropped into the voicemail of a XXXX XXXX who was the assigned SPOC. he never returned our called. we sent in updated documents on XXXX/XXXX/15 along with a Notice of Error, QWR, and Demand for Response - XXXX Days. As a result, the sale date for XXXX/XXXX/15 was canceled. we continued to call for an update and were told on XXXX and XXXX by different agents that the file was in review and no docs were needed and there was no sale date set. We received a letter from the Counsel for BOA on XXXX/XXXX/15 that there was a new sale date set for XXXX/XXXX/15. we sent another Notice of Error citing that BOA told us the file was complete and in review so no new sale date should have been set without explanation or cause. on XXXX/XXXX/15, we spoke to XXXX XXXX who stated that the file was incomplete since XXXX/XXXX/15 and that he called XXXX times. the number he called was out of service, which he acknowledged. he knew we were the counsel for the borrower and I asked if he had our number. he said he did but that " we do n't have to call you if we do n't want to ''. we were floored by this attitude and lack of consideration. he also said the file was closed on XXXX/XXXX/15, XXXX day after we were told the file was complete and in XXXX review. as of today, we have sent in all of the requested documents BOA claims were requested, they were faxed and email on XXXX and XXXX for good measure. this is a gross mismanagement of the review and Loan Mod process and we insist that the sale be postponed and/or canceled to allow for a proper review. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank cleared a trust check that I deposited at a Citibank ATM. The check was from a certain trust account and was made out to the trust and also my name. Around XXXX weeks later I received another trust check exactly like the XXXX XXXX and deposited it into my account thru the ATM. This time the check was returned. To cover the debit of this returned deposit and to insure none of my outstanding checks bounced I had to take a cash advance from my credit card. The fees and interest charges were huge. While Citibank acknowledged they made a mistake in accepting the very XXXX check ( which because they did I deposited the XXXX XXXX in exactly the same way ), they refused to reimburse the total fees and charges incurred instead somehow never explained to me they paid approx. XXXX of the fees. And this took over XXXX months to accomplish. 

Company response: Company chooses not to provide a public response
Consumer complaint: My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late. 

Company response: Company chooses not to provide a public response
Consumer complaint: I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded 

Company response: Company chooses not to provide a public response
Consumer complaint: When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unaware of this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sold my home via short sale on XXXX/XXXX/15. Mortgage servicer received and acknowledged payment on same date. Mortgage servicer did not post payment and show account as paid in full until XXXX XXXX, 2015. This action causes undue and unnecessary tax consequences to me. XXXX was sent and acknowledged and the request to correct was denied ( see attachment ) Mortgage company 's request for HAFA and HUD-1 was unnecessarily duplicative and presented only to delay the closure of the loan. Please correct the day of the paid in full date to reflect XXXX XXXX, 2015. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: It is with great frustration that I write for the XXXX time to you. I have also done everything in my power to complied with SPS Servicing co. This is the XXXX time Sps confirms receipt of my documents and when I call again they are requesting same documents again. My attorney on record submitted a motion and it was just denied. Please hear me out. I want to resolved this problem. I am going through this for the past two and a half years. 
I want to keep my home. I went a head and did a forensic review. Apparently XXXX XXXX bankrupt and my note was in the bankruptcy. Where do I go from here? 
All I want is for SPS to come on with a loan modification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries. 

Company response: Company chooses not to provide a public response
Consumer complaint: On our Barclaycard we had a balance of XXXX. We sent payment on XXXX XXXX Payment over balance in amount of XXXX with a due date of XXXX XXXX XXXX fully XXXX days or XXXX days to arrive in City XXXX XXXX. We called two days after XXXX XXXX ..XXXX XXXX. And balance indicated IT NOT only had not been recieved ( or so they would claim ) but there was additional balance indicating a late fee. IT however had to be in their possesion for it was cashed check XXXX on XXXX XXXX. We sent a XXXX payment of only the previous balance since i called and they said they would waive the late fee. This XXXX payment I sent check XXXX by certified mail and was recieved XXXX days later..the certification came back dated XXXX XXXX. I called that day to see if the XXXX check had been cashed and MY account showed a balance of negative XXXX that is a credit balance. I have another credit card with Barclaycard. and asked if this XXXX could be transferred against debt on this other card. They said NO. They agreed to send a check to us at our physical address of XXXX XXXX XXXX XXXX Michigan My name is XXXX XXXX XXXX. They did not they faxed it to our XXXX. Which was not agreed upon and charged us so fee..XXXX of which I recieved a letter date XXXX XXXX.in so doing. AND did not send us this months billing. but XXXX letters. DUE THIS month XXXX XXXX. and today is XXXX XXXX. So I called them today. NO explanation of how they arrived at XXXX. My intention had been to pay the balance and cancel the card..and they keep moving the DUE date and the payment address to XXXX. when it was in XXXX. and have trumped up some bogus charges made by someone XXXX like it was someone who got ahold of my account number evidently to make us feel like they were doing their job..or perhaps to sell us some other service. My neighbor has a Barclaycard..and a few other people I know and they have had similar problems with them So they need to be investigated. I called today ..no XXXX gave explanation of how they arrived at XXXX for some trumped up fee. WHEN the account was paid off. But they finally after calling DROPPED the XXXX and some guy named XXXX in XXXX said it was dropped but could not understand him. Something about XXXX fee. for reversing the check..I had tried to stop payment on the XXXX check..but it had already arrived and they cashed it giving a credit balance of XXXX aforementioned. So it was NOT like they were charging me for stopping payment on a balance owed them. in the XXXX place. IT was never stopped since they cashed it before STOP payment arrived evidently. Just all round bad business practice NEVER had a Credit card ever do this to someone WHO pays their bills. And NONE of them have ever charged to return MONEY overpaid to them. In fact XXXX credit card company without me calling XXXX returned the money because they simply wanted an even balance at XXXX. There is the story. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know. 

I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am military and I am going through a hardship right now with my wife going back and forth to custody court for her daughter and her father had XXXX her. All my creditors are working with me to get lower payments except for one Pioneer Services. They unwilling to work or budge at and they state that they are in support of the military i have asked many times and contacted them many times with no resolve. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a re-fi of my conventional XXXX mortgage XXXX. The mortgage is held with XXXX XXXX. After the appraisal came in lower than what we expected, US Bank advised that we could go no further unless I had more income or could bring more cash to closing. I challenged the appraisal but US Bank stood by the appraisal. So, US Bank ( XXXX XXXX ) suggested I find a friend or family member to loan me money or liquidate retirement funds. I even spoke to my employer about a pay raise. Not being able to do any of these things, US Bank then suggested we refi with an FHA mortgage. The appraisal again came in low. Same appraiser as before. Thus, by this time in late XXXX, we were at a standstill. I shared my frustration with an acquaintance who is an independent mortgage broker. He asked to see the most recent appraisal and he found it to be defective. I presented his findings to US Bank and they adjusted the appraised value by {$18000.00} to {$400000.00} which is where the mortgage lender and I had hoped it would be all along. It allowed us to move forward with an FHA mortgage re-fi. I asked US Bank to review the first appraisal for the same mistakes made in the XXXX but they did not respond. The appraiser refused to provide me proof that the XXXX appraisal had been challenged. Once the re-fi was back on track in early XXXX, I was told week after week that my closing was eminent. I was told to make sure I had cash on hand for the closing and to demonstrate to underwriting that I had cash on hand. So, on XXXX, I liquidated {$10000.00} of retirement funds to have on hand ready for the closing. The mortgage lender told me he had his supervisors ( XXXX XXXX and XXXX XXXX ) working on expediting the paperwork through underwriting. When asked about this, neither XXXX or XXXX were aware of there being a problem. Underwriting continued to ask for more information and sometimes XXXX and XXXX times after having already received it. With the closing seemingly going nowhere, I then brought into the discussion XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to go to the corporate office in XXXX to inquire of the chain of command because each time I asked an individual who they reported to, I received no reply. It is XXXX XXXX and my FHA refi, which technically started in early XXXX, is still not closed. This whole process started XXXX. 

Company response: Company chooses not to provide a public response