AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 my attorney submitted my most recent updated financial information to my servicer SPS. On XXXX XXXX, 2015 SPS gave my attorney a list of items they needed for my review. My attorney then forwarded all requested paperwork to SPS and then on XXXX XXXX, 2015 my attorney confirmed SPS had a complete application. On XXXX XXXX, 2015 SPS advised my attorney that they needed clarification on some of the bank statements for deposits of rent and my husbands contribution. On XXXX XXXX, 2015 my attorney again confirmed all paperwork was complete and no additional documents wer needed. Then on XXXX XXXX, 2015 SPS stated the paperwork sent was not clear enough. Everything was faxed again by my attorney on XXXX XXXX, 2015 and XXXX XXXX, 2015. On XXXX XXXX, 2015 SPS spoke with my attorney and now states they want everything again, but updated. Per my attorney and per RESPA Reg x, SPS was supposed to review my file for assitance within 30 days of having a complete file. My attorney has verified SPS had a complete file on : XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. They continually string me along stalling and then asking for the same paperwork over and over. They are evading reviewing me for assistance by simply allowing the paperwork sent to expire and then asking for it all again. RESPA Reg x was put into place in order to stop this type of behavior, per my attorney. They can make a decision based on the paperwork they have in hand. Three times in the past 60 days they have had a full and complete file. I would like them to stop stalling and make a decision. The last time they confirmed they had a complete file was on XXXX/XXXX/15. The paperwork I sent in XX/XX/XXXX was valid through XXXX/XXXX/15. I should not have to send the newest paperwork over and over and over simply because they are stalling or not underwriting my information in a timely manner. My situation is not that complicated. They are making it complicated on purpose in order to evade reviewing me for assistance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX credit card that I use, it is a XXXX XXXX XXXX cash rewards credit card. There are XXXX or XXXX other cards that I do not own on that credit report for credit karma, and it is making my credit score look poor and that is not good. I need these other cards that do n't belong to me off of my credit score. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The statue of limitations has expired on the debt in question XXXX it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff XXXX XXXX XXXX XXXX waited too long to bring this case XXXX laches ). 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I received a letter from first national collection Bureau located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with XXXX she then hung up the phone 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We were approved for a short sale with a closing date needed by XXXX/XXXX/15 by Bank of America. On XXXX/XXXX/15 our buyer had an extreme medical emergency, when we asked Bank of America to give us an extension on the approval ( approval letter advised extension were possible ) to allow our buyers emergency to subside they denied an extension stating that Bank of America was going to sell our loan so they could not extend the approval. Closing attorney office asked several times and Bank of America kept advising that because they were selling the loan they could not do anything to extend the approval. Now after a couple weeks and repeated inquiries it turns out Bank Of America DID NOT sell our loan. We have the same contract in place for the house sale and now they are advising because the approval expired we need to start all over and be reviewed all over again. ( Which takes months to complete ) We feel we were not fairly treated and that Bank of America should be able to reopen the approval they already gave. They refused to give an extension based on the fact that they said they were selling, but they did n't sell and the approval expired due to their false information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call at XXXX XXXX my local time, local to the address/zip code that my mortgage is through. When I answered the phone, the representative stated that she is with SunTrust mortgage and asked me for my social security number. She did not disclose that this was debt collection ( failure to use FDCPA miranda ) and I was very confused. She refused to tell me what the call was in reference to. 

I called SunTrust and they disclosed that the call was an automated dial in an attempt to collect a debt. I had already submitted my payment the previous business day before receiving the debt collection call, and my payment was still within the 15 day payment window ( not late ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I formally requested that Ditech begin the process to remove the PMI from my mortgage in the beginning of XXXX 2015. XX/XX/XXXX I was contacted by a third party appraiser to schedule an appraisal and a few days later they informed me that my lender canceled the request. Since then, I have called Ditech around 8-10 times to follow up as to what exactly happened and each time the customer service acknowledges that there was some kind of issue which could not be explained but they were escalating my case to begin this process again. As of XXXX XXXX, I have not had any resolution and I have not been contacted by anyone to schedule an appraisal or by Ditech to continue this process of PMI removal. According to the standards of my mortgage, I satisfy all the requirements for PMI removal, yet Ditech seems to have done everything they can to prevent this from happening. At first it seemed negligent, but now it is clear that it is fraudulent. I have been paying PMI for 3 months longer ( and possibly more moving forward ) than I should have and I have adhered to their standards throughout this process. I have no resolution as of XXXX XXXX 2015 and after calling customer service today, I been told the same thing, that my case was moved to the escrow department and I should hear from someone in a day or so. But I never do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an account with XXXX Bank which is for use at Pier XXXX imports. I received a late payment for a balance of {$5.00}. I wrote the bank and I had it removed XXXX. It is still reporting on Experian and they are not removing it. I in good faith thought I paid the account off. Some how there was a {$5.00} interest charge that was billed and which I did n't receive. I believe that this should n't be considered a late payment. Letter to XXXX Bank Attached 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been calling GreenTree/DiTech literally for years, regarding having my mortgage, which has never even been late, released from bankruptcy. My co-borrower is the bankrupt party. I was told months ago that my account was approved for release, but the then representative, XXXX XXXX # XXXX, who is now the " supervisor '' never ever returns my calls or does her job in having this account released. When I called requesting to speak to XXXX 's supervisor, I was told that I can only be transferred to XXXX working on my file or to XXXX, the inept supervisor. So I am filing this claim in the hopes that someone at DiTech will actually do their job. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: 1. My current emplyer and has been for the last 8 years is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. There are addresses listed that I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently discovered an account on my credit report for which I have not received any information. I have started an investigation with XXXX and would also like to start it here. I did not receive any information informing me of this debt from the collection agency, and it says it has been with the company since XXXX 2015. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sears mastercard credit card services provided balance transfers at 0 % until XX/XX/XXXX, they only had one place on info that stated they are charging a fee vs interest on paperwork. This was misleading, so in fact they are getting there interest up front. There topic in bold larger letters states, YOU COULD SAVE ON INTEREST BY TRANSFERRING HIGH BALANCES. 
Checks should state that you agree to rates provided. I have used there checks before without this fee provision. 
Please advise 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX. 
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases. 
Sincerely, XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After paying off my home mortgage in full, Well Fargo has flatly refused to return the original signed Note. The mortgage was sold as part of a collateralized debt instrument to investors. I suspect they are double-dipping and continuing to use the Note as collateral on the CDI because I paid off my loan 27 years early. This would require them to admit to the fund that the CDI is worth about XXXX dollars less than they sold it for. Instead they filed a notice electronically with the county indicating that the Note was paid. The electronic filing can legally be claimed to be a mistake later if they produce the original signed Note. The only thing I have been provided with is a copy of the electronic filing which is not valid as it lacks a corporate endorsement seal on it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX, sponsored by Bank of America. I use it to accumulate miles for the mileage plan. I pay twice a month, and I never carry any balance. I pay a $ XXXX yearly fee. I believe I am being harassed by Bank of America with frivolous card changes ( forcing me to update all my payment accounts ) and locks on my credit ( they claim suspicious use ) in order to make me close my account. Curious if others have had this problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX FROM GLOBAL ELEMENT CALLED MY WORK PLACE ON XXXX/XXXX/15 AND WAS TOLD SHE CAN NOT CALL MY WORK AND MY EMPLOYER DOES NOT ALLOW THESE TYPES OF CALLS. THE COMPANY THEN CALLED A FAMILY MEMBER A FEW DAYS LATER AND GAVE THEM INFO REGARDING MY PERSONAL BUISNESS THEN ON XXXX XXXX CALLED FROM GLOBAL AND AGAIN I TOLD HER SHE CAN NOT CALL MY WORK. SHE THEN GOT NASTY AND THREATEN ME SHE WOULD GET A LAWYER 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have made several attempts to download my credit information from Experian an Have called them o their hotline at XXXX XXXX to no avail. I have used their direct website where you have to pay as a last resort several times after they said they made repeated attempts to reset the system for me. I have had no trouble obtaining my tranunion, and equifax reports but this is an immenense mystery toe. I made an additonal attempt to apply by phone and surprisingly the system found me, but they said they will try to send me a copy to my home address within 15 days if they can track all of my information down. In any event they will attempt to locate my info and send what they have. This Is All Surreal. I am XXXX years old and XXXX credit agencies can find me on the spot, and another does not even believe that I am an American citizen. How Is this Possible? Does Experian do their call center business in XXXX? Please help me get a copy of my Experian report. Thye call center employee aqctually told me that she cold not help me. I am working with lexington law firm to help improve my score from fair to excellent. Ineed your help obtaining my legal rigt to posess my experian report. 

Company response: Company chooses not to provide a public response
Consumer complaint: over the last 11 months I have made various payments and specifically requested that they go towards PRINCIPAL ONLY. The lender Ally bank has refused to comply and gives me the extreme run around. Keeping on the phone for 20-30 min, telling me a supervisor will call back and they never do. My current balance is listed as XXXX when it should only be around XXXX. Which is what the issue has been incorrectly applying my money where I want and need it to go. I should n't have to go round and round with XXXX reps over less than a 7 day time frame 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my mortgage loan from US Bank through XXXX XXXX. I was told that I should receive a check for approx. {$700.00} - {$800.00}. I eventually received a check for {$200.00}. I have tried 3 times to try to resolve, US Bank treated me horrible. On the XXXX time the gentleman from XXXX XXXX conferenced called with me it took a hour and approx 15 minutes did not get anywhere at all. I am told that I should have received {$270.00} times XXXX plus the XXXX making a total of {$750.00}. It seemed when explained by XXXX XXXX US Bank did n't want to understand him at all, totally frustrated when it was completing explained in simple math and simple english. XXXX the rep we were talking to seemed not very versed in mortgage lingo. He talked circles and ignored the direct question that was asked a number of times, way more then should have been. He then towards the end of the call says he could n't help any further and i got back what I needed to get back. Then he proceeds to tell us XXXX still on conference call ) that I would have to contact the pay off/customer service number and they will further help me. I basically stated that the pay off/customer service could n't be the same and I do not!!!!! want to start all over again there was and extension given but when I turned around to proceed to call the given number in fact it was want I guessed it would be all over again with customer service so i decided to ask for the pay off dept to discuss my problem and according to her she like says ca n't get ahold of pay off then do not have direct lines, phones for customer 's to talk to them. Then i asked what the XXXX digit ext was and she told me its a branch pay off to get the verbal pay off COMPLETELY WENT CIRCLES!!!!! I would like the rest of my money returned to me ASAP as I 'm in need more then the XXXX dollar bank is. Here are the phones number and extensions that were given to me. 
US Bank XXXX XXXX no transfer when i used this XXXX customer service/pay off dept ext. XXXX ( not an extension ) XXXX ext XXXX. The gentlemen in which we spoke to his name is XXXX? his direct line XXXX. He stated he was a supervisor? I have a check for XXXX the remaining is XXXX. I was told this amount was taken out twice, in pay off then taken out of the refund escrow. 
Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owe Ohio Acceptance Solutions Group money from a payday loan that I received from them. Due to unforeseen circumstances, I am unable to make my payments at this time and have been willing to set up an arrangement with them. I have emailed them at least 15 times asking them to stop calling me at work because it puts my job in jeopardy. They continue to call and hang up. They are calling from XXXX. If you call that number back, it is them. I need these calls to stop! 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I decided to fiance a new car through the dealership. I was unaware however, of how many hard inquires the company actually performed. I just recently found that a total of XXXX hard inquiries were performed, XXXX for TransUnion and XXXX for XXXX. 
Because I was only aware of XXXX inquire, to be made by the dealership itself, it is my hope to dispute and remove these other hard inquiries as they were performed without my permission and have damage my credit already. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal has restricted my account, preventing me from making any changes to the account or even closing the account, and preventing any transactions on the account, until I provide a copy of my photo drivers license and recent utility bill. Paypal has refused my verbal and written requests to provide their information security policy and procedures for my review so I can determine if they can be trusted to protect my personal identifying information from hackers or others intruders into their systems. 

Company response: Company believes it acted appropriately as authorized by contract or law