AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: Without receiving any notification that my account had gone inactive I was charged a {$2.00} a month inactive fee. I went to use my card this month and apparently the {$23.00} I had on it had been drained out slowly by this fee. After calling the company they refused to refund my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Pressler & Pressler has taken almost {$3000.00} from my account. They send all the letters to my old addresses which I can not respond too and then they have the right to seize all my funds. They have taken 4 times money out of my account. They have my correct address but still send all letters to my old addresses.. They even took all my child support money and the last withdrawal they took from my account was a week before XXXX! They took {$600.00} which left me broke XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I found out that the comapny was reporting to the credit reporting agency on XXXX, XXXX the company has not followed the federal law in regards to section XXXX of the FAIR CREDIT REPORTING ACT 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, 606 - 15 U.S.C. 1681d XXXX general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Someone in Georgia stole my identity, opened fraudulent accounts, and started a Credit Karma account using my old name and social security number etc after my wallet had been stolen. I have finally gotten all three credit bureaus to report only correct information with the help of a lawyer. I contacted Credit Karma to take over the fraudulent account and had to send in proof of my identity. Now Credit Karma refuses to remove erroneous information even after I have paper copies of all XXXX credit reports and none of the false information is listed there. I want Credit Karma to close my account permanently. They allowed a scammer to open up an account in my name and now refuse to correct my information even after I sent them my documents, which is protected under the Fair Credit Reporting Act. I want them to close my account permanently so that nobody else can do this to me. They are perpetuating a crime against me. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My credit is suffering because it says I have not paid back a student debt, but I did in fact just pay it. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I currently have an account on my credit report from XXXX XXXX that I did not authorize to open with a current balance of {$950.00} that has been sent to collections, the reason this account was sent to collections is because I was informed a payment was never made on this account from the day that this account was opened because I never authorized the account. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I transferred funds from my XXXX Checking Account to my USAA Checking Account on Friday, XXXX XXXX. This is not the first time I have transferred funds from and to these accounts. This is however the first time USAA has held all but {$100.00} for 4 business days, which has ruined my attempt at surprising my wife and son for XXXX. I called USAA to inquire why they were holding my money and was told that it 's due to my maintaining a low balance in this account ; that the amount being transferred ( {$630.00} ) was much higher than my average daily balance of {$40.00}. I only use my USAA account for work-related expenses ; to pay for parking, toll road fees and an occasional cup of coffee. I 've researched the XXXX, Title XXXX, Chapter XXXX, Subchapter A, Part XXXX, XXXX, which states electronic transfers should be available the next business day ; and I find no " Exceptions '' that speak to maintaining a low balance.There 's no reasonable business reason for this punitive rule other than to squeeze out a couple of pennies from each consumer. What this USAA ( Low Balance ) rule essentially does is penalizes consumers by holding their money hostage unless they maintain higher balances in their accounts. If they ca n't make money off of your money on a daily bases ( low daily balance ), then they 'll hold your money if/when you make a larger deposit and make money that way. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX forwarded XXXX cases for collection against XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX. XXXX amount of {$7400.00} and for XXXX. XXXX {$7700.00} to Accounts Receivable Collection Agency. 

For XXXX XXXX XXXX the amount of {$6500.00} was sent to us and received the check from him on XXXX/XXXX/2015, and deposit the check on XXXX/XXXX/2015. This check was paid before we sent XXXX XXXX XXXX to the collection agency. Since the check XXXX. sent in showed the XXXX. XXXX home address, we applied this amount to XXXX. XXXX account only to be notified by XXXX that the check was to be under his account. So we changed XXXX. XXXX Invoice showing this amount as paid. Please see attached check and deposit slip for detail. Collection agency is claiming for this amount which they have no right to do so. 

For XXXX XXXX XXXX, amount of {$7700.00}. We did submit to them on XXXX XXXX the invoice however two days later, XXXX XXXX, we were informed that our Service department was to fix his system on site and h/o would pay us in full. I notified the collections agency via email on the same day to cancel this transaction. In the agreement that we signed, states if we submit an invoice and cancel it, they can charge us 10 % of the total bill. That is not an issue. 

The collection agency only collected from XXXX XXXX XXXX a total of {$7400.00} yet they seem to think they collected a total of XXXX. Which is impossible because they did not collect for XXXX XXXX XXXX. 

This agency had collected back {$7400.00} and sent us check # XXXX for {$2900.00}. They claim they charged us 10 % of XXXX. XXXX amount of {$7700.00} which should only total {$770.00} and our agreement for the {$7400.00} was 27 % however, they kept almost 40 % of XXXX. XXXX. Check which they never sent us nor do we know what check number XXXX XXXX XXXX sent them. They kept his check and sent us less then what was promised. We have all documentations if needed to follow our statement. Please let me know if you need me to email them to you. 
The bottom line to make more sense of this issue is this email being sent to XXXX XXXX XXXX XXXX : Dear XXXX, As stated, you collected for XXXX XXXX XXXX the amount of {$7400.00} which 27 % is owed to your company totaling {$1900.00}. You took 10 % of XXXX XXXX XXXX amount of {$7600.00} which totals {$760.00} because we canceled the transaction. When you total XXXX that we owe, the total should be {$2700.00}. You sent us a check for {$2900.00} CHECK # XXXX. Your company took the remaining balance of {$4600.00} which is not our agreement. Your company owes us a total of {$1400.00}. Please submit to us by next week XXXX/XXXX/2015. 

Regards, XXXX XXXX Customer Service Supervisor XXXX XXXX, XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ERC Debt Collection agency is trying to collect on a debt that I no longer owe and they are threaten to place this debt on my credit report and is demanding I make a payment with them and I never establish a contract with this company at all, also they have been calling my work phone number and sending a bill to an address I never live at before. I feel like that is breaking the FCRA law and defaming my character. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: DITECH ... these people call day and night after the first day a payment is late. I paid over the phone after very aggressive phone calls from DITECH. They said they would waive the fee and when I saw my bank account they charged a fee. 
They also sent me a letter adding {$2000.00} to my mortagage that they obtained from GREEN TREE. They said it was audited and they found a mistake. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a loan with Ditech ( GreenTree ) that was originally with another company. When I requested a payoff quote there is a corporate advance fee for around {$560.00}. When I called I was told this was for a deferred payment I had. My payments have always been around {$100.00}. I do n't know how or why there would be a deferred payment in that amount in XXXX of 2013. After reading some complaints, I am wondering if this " deferment '' happened when the loan was transferred from whichever company had my loan before GreenTree. I also wonder why the fee only shows up on my payoff quote and not my monthly statement. Are they hoping to sneak in something if I were to pay it off all at once. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I fully paid account and closed it. The credit card owed me a balance of {$50.00}. 
I had to call and have the amount checked and put in the account. 
Now the account is being reported as restricted, dropping my credit score during the holiday shopping season. High interest, annual fees, and poor service is why I closed this account. I believe this was a malicious act ... 
XXXX XXXX account # XXXX Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get a re-modification for 3 yrs now. The mortgage company continue to ask for the same documents over and over again for the re-modification which has prolonged this process now for about 7 more months. During this re-modification process I had a house fire XXXX/XXXX/XXXX and now the mortgage company SPS XXXX Select Portfolio Servicing Inc ) has a hold on the funds provided by the insurance company to pay for the repairs. All moneys had been sent to me, I endorsed the checks and forward them to SPS for repairs now they wo n't let the contractor draw the funds to do the repairs. I have a deadline for my temporary housing paid for by the insurance company of XXXX/XXXX/XXXX. Loan # XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The store allowed an extend payment plan on a payday advance that was paid for in full by ACH check on XXXX XXXX, 2015 and fail to refund cash payment. 

I obtained a loan of {$500.00} from The Check Cashing Store and agreed to payback {$550.00} on XXXX XXXX, 2015. I was not able to pay the full amount on my due date. 

The representative allowed me to make a partial payment of {$300.00} in cash in order to extend the remaining balance of {$250.00} for my next pay period. 

The Check Cashing Store ran my check which cleared on XXXX XXXX, 2015 in the amount of {$550.00}. 

I contacted the store and was advised they had no record of my cash payment and that my receipt was not valid because it was tendered as a Money Order. 

The rep claimed she could not do anything but have the manager XXXX look at the surveillance cameras to prove I paid cash. 

The Check Cashing Store or the manager has made NO EFFORTS to contact me with results of the surveillance camera or my REFUND of {$300.00}. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Experian and XXXX refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Experian numerous requests asking them to please investigate and correct some accounts in my credit report that are reporting incorrectly and they are not responding. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged {$72.00} in overdraft fees on XXXX. Last time I called about a fee I asked if my line of credit could be setup on my checking account and to opt me out of overdraft. I was lied to about this and was charged {$72.00} overdraft fees due to this. I am on a fixed income and can not afford to pay these fees due to their mistake. XXXX of the fees was for {$3.00} that should have declined due to being opt out. I never signed a form opting me into overdraft coverage and asked to see if but was told they did n't have it. Please help me get all {$72.00} refunded. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed when checking my credit report that there was a bankruptcy on there and I called transunion to dispute it and they told me that I would have to call the consumer which is the XXXX XXXX Court when in calling them I gave them the necessary information and they informed me that they had no record of me having a bankruptcy in there court system. So I then called back to transunion to dispute it once again and they sent me a letter stating that it is indeed me that has a bankruptcy. I have never lived in the state of California. Now I called the courts back and they had me get in contact with the US trustees, they did some digging and found out that it is a male with my madden last name and our last XXXX digits are the same but the rest of our SS numbers are different. And for the life of me I do n't understand how this could happen and if I found out this information why could n't do the same. And if it is on Transunions why does n't it appear on the others if it were true. I would like this to be taken care of. They were rude when I called them and I really did not appreciate the way they talked to me 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I have received phone calls from nations recovery center in. XXXX georgia # XXXX. A XXXX XXXX asks for someone with a somewhat similar name to my wife 's and also our address and the last XXXX of her social. Even though she has assured him she is not the person he is looking for the calls persist. I asked to speak to a supervised but have not wpreceived a return call to date. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I sent a letter to first credit services not to contact me by phone. I 'm still being harrassed to this date with threating and other tactics 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Please refer to the following sets of previous case numbers:XXXXXXXXComplaints were originally filed against this creditor by me, the creditor has admitted they areunable to locat eme in their records however they will not remove the invalid items from my credit report. This is my third time sending a dispute to CFPB and teh last time I disputed, they did NOT respond within their allowed 30 day timeframe. THe creditor is the same for both items, but the XXXX items are independent of eachother and both negatively are impacting my credit reports. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This guy named XXXX XXXX his phone number is XXXX said he was calling on behalf of XXXX, but when we called them they knew nothing of me or them. they told me to contact the ftc. This man said he would have me served with a warrant and taken to jail if i did not pay him. I had never heard of this company or this guy, yet he said there was a court case against me and said if i did not pay him that he would take me to jail from work. We contacted our lawyer and he said a lot of clients had been getting calls like this and to report it as fraud. 
This person threatened my wife, my mom and my brother. 
These people somehow have my job information, my address and my family member names, and they will not send me any information whatsoever on who they are or who they represent. I ask for information and they yell at me and tell me that unless I pay them they will take me to jail. I said that I do not know of them and want proof they are not a scam, then they get louder and more threatening and hang up on me. 
This company that they say i owe money to never heard of me or them. they told me to report this. I hope that these hateful people are prosecuted. Very awful that they call you and make you feel like a criminal and yet they are the criminals. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have received repeated calls from this company stating that I owe them over {$16000.00} for an accident from XXXX of 2015. The police report lists the accident as a no fault accident. When I have told them that they scream at me and tell me that I know it was my fault and I just need to pay them. I have repeatedly asked for documentation showing myself at fault, as well as a breakdown of what they are trying to charge me and they refuse, telling me that I just need to pay them. They have threatened to put me out on the street and take everything I own. Also have threatened to have my License revoked. Every call ends with their representative telling me to pay them and then them hanging up on me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: EXPERIAN HAS NOT UPDATED MY FIRST PREMIER ACCOUNT TO THE STATUS OF PAID COLLECTION OR PAID CHARGE OFF. I AM WORKING HARD TO RESTORE MY CREDIT AND NEED THIS INFORMATION UPDATED IMMEDIATELY! 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2006, I refinanced my home and was sold an illegal loan in the State of Illinois ( Pick-a-Pay Loan ) with World Savings. Now owned by Wells Fargo Bank. I have already made a complaint with CFPB. Please see previous complaint # XXXX and XXXX. I am putting through a second complaint because the answer from XXXX XXXX at Wells Fargo is insufficient. Firstly, he did not look into any of the issues. He must advise me why there are XXXX applications with different incomes which were both incorrect. I can prove it by supplying proof from the IRS that I was not making that much money. Secondly, I had given him a letter from XXXX XXXX insurance and he did not even research the type of insurance that was purchased. He stated in his response that it was title insurance. The insurance policy taken was in case I defaulted on my loan. They changed my income on the application after I signed it. They then took out an insurance policy with XXXX XXXX in anticipation of my default so when the minimum payment of the loan tripled, they could put in a claim. XXXX XXXX letter indicates that there was no claim with the insurance policy. I will attach the letter sent to us by XXXX XXXX. I will also attach XXXX XXXX letter showing that no research was attempted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a car loan with XXXX XXXX that was paid off in XXXX 2012. I had a very good professional relationship with the company and a excellent payment history. I recently checked my credit reports online and I was very surprised to see the credit bureaus are reporting this account with a lot of negative history. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech calls repeatedly on my home phone and our cells, even though we have repeatedly asked them NOT to contact us via phone. We are not behind on our mortgage payments. I am tired of the daily harassment! 

Company response: Company believes complaint is the result of an isolated error