AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Contacted XXXX time on XXXX/XXXX/16 regarding a debt for {$800.00}. I spoke with the collector telling him I was unemployed, but would try to set up a payment plan when I get some income. He said he would note the account. XXXX/XXXX/16 I was contacted again by the collection agency telling me that I had a debt and it needed to be paid. I told this collector that I had already spoke to another guy at his company and if he would have read the notes he would have seen that I said I 'd call back whenever I was able to pay them and I instructed him to not contact me again. He was very rude telling me i needed to explain my situation to him and i again told him that it was in my account notes in their system. He said let me give you a number where you can call us back, and I said no thank you I will look the number up when I call back. XXXX/XXXX/16 I received another phone call from a collector regarding this same debt that I had already told them to not call me back. I am being harassed over this debt when I have no possible way to pay it at this time.The XXXX collector I spoke with was very nice and understanding, they just keep calling me. I know my rights and the laws and they are violating them. 

Hunter Warfield Collections XXXX, Florida 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all 

Company response: Company chooses not to provide a public response
Consumer complaint: CITI Card account ending XXXX has been billed in error. Please check the original account information for XXXX when this account was established, purchases made and what State and Why it was rolled over as this was reported as a " Rollover " account number. There was no use of any other account or issuance of any other credit card to this XXXX XXXX. 
There may have been identity theft as XXXX XXXX ( account ending XXXX ) only had this account since applying. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed this several times. With CRC and agency. I have provided payment schedules along with letters from the CRC. Drivetime.., is the company I have my car loan with. From XX/XX/XXXX thru XX/XX/XXXX.., I attempted to make actions to pay off my loan early and thus, by recommendation of Drivetime, started making payments 1 1/2 times to 2 times required payments. However each month seemed I owed monies when I prepaid. I attempted to resolve this .., but received little to now cooperation. XX/XX/XXXX payment was collected of which Drive Time did not give me credit for and showed my car as being repossessed. At this point I requested an Audit of my account and after 3 months, my funds were finally applied. However my payments status and balance were still in question. I have tried 15 different times and at least 20 hours of phone time to try and get the payment schedule along with how my payments should have been allocated corrrected to no avail. Seems DriveTime made attempts to get it right and then will report incorrectly again and again. I have been working to get my credit straight for almost 2 years to purchase the home I currently live in. These errors with Drive Time have not only cased a monetary hardship for me but is directly affecting my ability to be mortgage ready. ( needless to say I am still renting a house I should have been able to buy several months back if this issue with DriveTime did exist. ) I am truly at a loss and really do n't know where to turn. I do have a payment schedule I requested from Drivetime, which does reflect my prepaying several months in advance. However, per my last conversation ( which I have ever conversation documented date and times ) I was told by a Drive Time customer service rep., there had been errors made to ALL customers in terms of reporting for XX/XX/XXXX and the entire year had to be resubmitted. I did ask to speak with her manager and she informed me there were no managers at her level I have XXXX basic items first, why has DT reflected 30/60 days late when in fact I prepaid months in advance.. and per serveral conversations with DT wanted these errors corrected. And I believe based on the misappropriation of my funds paid my balance is higher than it should be. I would like to have these things fixed and some kind of monetary compensation for the out of pocket expenses and hardships experienced due to these issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX XXXX County Special - XXXX XXXX County Special - XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed this entry with Transunion on multiple occasions. The creditor *XXXX ) are refusing to provide me proof of validation in violation of : TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] 803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

The amount is {$97.00} and I have asked for 2 years for them to provide proof that I have owed it. I submitted that proof to Transunion dated XXXX/XXXX/15 and Transunion acknowledged the receipt. It is still not removed and it is affecting my credit and employment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Monterey Financial has extracted a late fee from me even though I have paid them on time. They have stopped my access to my educational program due to stating that my payment was late however they have received my first payment plus late charges and still I do not have access to my class. I have paid them off in full {$2700.00} yesterday but I still do not have access to my class at careerstep.com. I was treated like a criminal even though they did not mail me my loan documents or give me any copies of my financial agreement. I tried to set up a payment system with them thru my bank, XXXX but they do not process payments in a timely manner in order to extract late fees. They should be charged for bank fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My mortgage was previously with XXXX XXXX XXXX and they sold it to BSI Financial as of XXXX XXXX, XXXX. My mortgage had been in the foreclosure status previously with XXXX XXXX XXXX due to my husband being XXXX and not getting paid. We were working with XXXX XXXX XXXX to get the mortgage current. We finally received the documentation and total amount due to get the mortgage current. We did not receive this information until XX/XX/XXXX therefore the total amount of {$14000.00} was sent to BSI Financial on XXXX XXXX, XXXX, which made our mortgage current and out of foreclosure. We have been trying since XX/XX/XXXX to get information from BSI Financial on our loan details. They are not sending us statements or giving us any information. We filed bankruptcy in XX/XX/XXXX and have continued to make our mortgage payments with XXXX XXXX XXXX since then. Now BSI is telling us they will not send us statements because our home was included in the bankruptcy yet we have continued to pay it and was reaffirmed. My husband had to send a letter to BSI Financial requesting monthly statements and also he had to say that he understood they were for informational purposes only. We have been trying to make our XXXX XXXX house payment which is what is due. We have gotten nothing but the run around from BSI Financial. They keep saying our house is in the active foreclosure process yet the payments are current. I have called numerous times, left numerous messages and no one returns calls. I have owned my home for 18 years and have escrowed my homeowners insurance now this new company is telling me that I ca n't do that. When I told them that I wanted the money back that had been escrowed through XXXX XXXX XXXX for my homeowners insurance, I got ignored, the customer service person tried to change the subject. I told him that they were stealing my money if they did not return it. I was then told that they would have to do an escrow audit and they would return any property tax overages. This is not the property tax escrow money, it is homeowners escrow money, XXXX different things. I did not seek this company out to service our mortgage. I want to make my house payments yet keep getting jerked around. I try to go onto BSI Financial 's website to make payments and I get locked out. I call to get it unlocked again, no response. This company needs to be shut down they are taking advantage of people that had no choice in using their company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on XXXX XXXX, XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around the XXXX or so of XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from Experion, XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, XXXX of the reporting agencies asked questions about auto-loans I supposedly took out in XXXX of XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since the late XXXX 's! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
EXPERIONXXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. YOU ALL XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX 

Company response: Company chooses not to provide a public response
Consumer complaint: I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When my mortgage was with Bank of America ( B of A ) I had a letter that said I may qualify for a mortgage modification. I then called B of A for more details and was told if I did this it would not have any serious negative effects on my credit. I advised I would try and do this and filled out all the paperwork time and time again but seemed to be getting nowhere. Every time I called I had to talk with different people before they would put me through to the person handling my case. There were times it took days to reach the person I needed to speak with. I was told or it was implied that if I was behind on payments my request would go through more quickly and probably be approved so I asked again if I did this would my credit be affected and was told it would not. Therefore, I got behind on my payments but nothing changed and I kept getting the run around so I caught up my payments at one time and told them I wanted nothing more to do with getting a modification which I had to do repeatedly. Finally they sent me a letter denying the modification. That was the first and only time I had late payments of any kind. B of A did not keep their word and dinged my credit anyway. 
I have disputed this with all XXXX credit reporting agencies and have also been in touch with our consumer advocate group " Let XXXX know '' on XXXX XXXX XXXX in XXXX, Arizona and have been advised by them to file with the reporting agencies and then contact B of A and ask them to do the right thing by having this blemish taken off my record. I will also report it to the Consumer Financial Protection Bureau ( CFPB ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CFPB Once again Arvest Bank, Arvest Mortgage, Central Mortgage and their LIES on how much they received from Insurance Claim checks of {$41000.00} on XXXX/XXXX/XXXX, a claim check of {$35000.00} on XXXX/XXXX/XXXX, and a claim check of {$10000.00} on XXXX/XXXX/XXXX. There is an additional Claim check for the amount of {$2000.00} with date XXXX/XXXX/XXXX that you received from XXXX XXXX XXXX XXXX that you have not reported {$2000.00} with a total of {$89000.00} not {$87000.00} ( That will be consider Insurance FRAUD ). They say Attorney XXXX XXXX has a check of {$58000.00} that is not true as well. How once again Arvest Bank is playing with the Government and the money from XXXX XXXX XXXX XXXX. Now they are being greedy and keeping the extra {$2000.00} or the whereabouts of proceeds putting it into their pockets. ( How convenient ) but now at least they reported the lie in case number XXXX I will like for you to please contact XXXX XXXX to confirm my allegations at XXXX XXXX, XXXX |Senior Claim Representative | XXXX | XXXX Fax | XXXXXXXXXXXX |. For I do not know how they got the monies situation Arvest Bank has 3 copies of three different General contractors as well as 2 cleaning crew companies witch was referred by XXXX XXXX in her email dated XXXX/XXXX/XXXX please see attached as they requested from me for the amount as follows XXXX CEN CONSTRUCTION and another for {$120000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX signed and Notarized by me with XXXX for the amount of {$130000.00} and he said that he will match the numbers of XXXX. Arvest Bank never made payments to XXXX as stipulated in his contract another violation of contract. The Insurance company started with a low number of the amount shown above dated XXXX/XXXX/XXXX for amount {$41000.00} after going back and fourth and having their Contractors lfor 6 months then they issue a second check for {$2000.00} XXXX/XXXX/XXXX an a third XXXX/XXXX/XXXX for {$35000.00} and fourth claim check for {$10000.00} on XXXX/XXXX/XXXX. Now he has put a lien on my house for {$120000.00} he has been paid {$19000.00} plus {$10000.00} leaves and amount of {$91000.00} minus the missing check of {$58000.00} + {$2000.00}. I do n't care how they get to an agreement all I want is to be able to do a loan Modification I wo n't be able to do so until this Lien issue is resolved. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose XXXX XXXX XXXX father passes away XXXX XXXX House burns down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The data shown and reported on my Transunion file is still incomplete! 

My " Payment History '' on my credit file shows as " no info available ''. I strongly challenge the accuracy of that credit factor. How can it possibly show no data when you have my credit card shown on my credit report? I should be getting some " payment history '' rating here associated with my credit card, regardless good or bad. And I know it is a good rating for I had always paid in time and am being rank by my Creditor as " A ''. 

Lacking points I should deserve for this credit factor might have resulted in having lost a car deal I had wanted to purchase. 

Please remediate instantly! 
Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TILA Rescission letter was mailed on XXXX XXXX, 2010. The effect of TILA Rescission is, as a matter of law and by operation of law, to cancel the loan contract, and to render the note and mortgage void. The matter is well settled, to wit : the rescission exists, it is effective as a matter of law. The rescission is effective upon mailing. The pretender lender, Bank of America N. A., do not dispute that rescission has occurred but seek to invoke issues in a case that is not and can not be before any Court, to wit : whether the rescission is effective. And they seek to do so through motions in which they deftly avoid the requirement of pleading and proving facts in a proper lawsuit to vacate the rescission, thus depriving the homeowner of their right to raise appropriate defenses to the non-existent lawsuit seeking to foreclose. Pretender lender want the courts to enter an order that would impliedly vacate the rescission. The pretender lender seek to have the court assume facts about the consummation of the alleged loan including the date or dates when consummation occurred and the source of funding for the alleged loan. They even want the court to assume that disclosures were adequate. They seek to have courts adopt the premise that the rescission is not effective upon mailing if there are potentially defects in the reasoning or actions of the borrower. ( XXXX v Countrywide ). SCOTUS clearly stated that the rescission is complete upon mailing, regardless of whether it is disputed or not. This eliminate the right of Bank of America N. A., et al to raise a challenge. All three branches of government are in unanimous agreement : TILA Rescission is effective upon mailing by operation of law. Nothing further is required from the borrower. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a mortgage with XXXX XXXX. With XXXX, I could set an autopay to come out on any day of the month I wanted. My loan was sold to Provident Funding. Provident only allows autopay to come out on one specific day of the month. I also can not schedule my current month 's payment for a specific day in the future. Now I have to remember to make my payments on the day I want them to come out, or I might get charged fees. This is definitely not designed in the consumer 's best interest and is a downgrade for me. I did n't get a say in the sale of my mortgage and now I 'm getting less functionality. Please help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've been paying my mortgage since the first time i received my first payment letter, but now statehome mortgage has sold my loan and the new mortgage company is saying im 120 days behind. How is this when i have all bank statements confirmation emails etc, showing when ive paid my mortgage in full 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a follow up to Complaint against Wells Fargo number XXXX for purposely harassing me, lying, and ignoring foreclosure proceedings in order to secure as much money out of my pocket as they can.w-up to case. XXXX/XXXX/XXXX. Finally ending around XXXX/XXXX/XXXX. Thanks to you Wells Fargo agreed to take the 3 month sale option under Wisconsin Statute 846.16 ( 2 ) instead of having to wait 1 year to sell my property.I have copies of all mentioned below from Wells Fargo lawyer XXXX, XXXX XXXX XXXX XXXX, XXXX Wisconsin. They filed for foreclosure XXXX XXXX, XXXX. The home at XXXX XXXX XXXX XXXX was sold XXXX XXXX, XXXX to XXXX XXXX for {$37000.00} ( 44 % of assessed value {$86000.00}. Plaintiff will not apply for personal judgement against Mortgagor. It states approximately five times plaintiff not seeking deficiency judgement. All of a sudden in XXXX XXXX i received a subs XXXX XXXX Aquisition or Abandonment of Secured property form from Wells Fargo stating that this form was sent to the IRS. When my tax people looked at it they refused to do my taxes. It states that they were told of the abandoment home on XXXX/XXXX/XXXX in truth I called them in XXXX XXXX and was given verbal permission to leave my home by Wells Fargo. They later denied knowing anything about this. It says I owe {$100000.00} and the assessed value of the home is {$140000.00}. In truth it was assessed at {$86000.00}. The box is checked that I am personally responsible for this entire debt. I called them a week ago. After 2 hours I finally got someone to fax THEIR attorney letter to and I have heard nothing. Is there anyway you can help me. This is totally fraudulent form. I can not get a hold of anyone at the IRS. Thank you so very much. XXXX XXXX. ( Wells Fargo account # XXXX ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response