AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a XXXX XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be XXXX less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with XXXX because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to XXXX in my dispute that if XXXX has it closed that they should be reporting the same. In fact, XXXX removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear XXXX, I have several accounts with Citibank , NA that were sold or charge offed in XXXX : - Sears XXXX -Citi XXXX -Citi Thank You Card All these accounts were settled in XXXX via a debt collection agency. I attempted to pay Citi directly but they refused because they apparently sold the debt to various companies. My complaint is for Citi to remove these charge offs from my credit report. These are the only delinquent items standing between me and a new home. My mortgage provider has stated these charge offs will result in extra interest fees through out the life of the loan. Not to mention, they also stated your chances of getting a new job, might be slim due to these charge off accounts listed on my credit report. I am asking for a simple request for Citi to remove these negative items off my credit report, so I can live stress free. These dark clouds from my past keep coming back, and Citi is the only company who does not help the situation. I have restored my credit and financial position since XXXX. Not to mention I have been a Citibank client since XXXX and will continue to do so. Please help me in my quest to get a new home. Have a good day and thank you for listening. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX collection on my credit report. It was from XXXX / First National Collection Bureau at http : //www.fncbinc.com/. A former roommate rang up pay-per-views on my account, I did n't agree to them and closed my account. 

Here 's the thing, the account was closed in XX/XX/XXXX or XX/XX/XXXX. It 's XX/XX/XXXX, it should have been off my report. 

However, according to the credit bureaus, it was opened for collection all the way into XXXX! I disputed this online, and lost somehow because they " proved '' it was sent to collections only in XX/XX/XXXX. 

Is n't that illegal to forge the date that something was stopped being paid on? Or hold on to collections and report them later? 

Not only that, the other day, I called First National, and paid it ( I should probably back charge it ). So after calling them and paying them over the phone, the charge on my card came up as XXXX! How weird is this?! Is XXXX playing a game where they own the collection agency and fudging dates? It seems so! 

Dispute numbers I entered - XXXX of them is correct, but only had 30 days after dispute back in XX/XX/XXXX to view the results. There was another dispute that I won I had in my email with the dispute number with XXXX still. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had numerous issues with Select Portfolio Servicing for years. They constantly take my overages that I send in with my payment and apply it elsewhere except the " Unapplied funds account '' which is where I want it to go. 2x a year I have to call them constantly and correct them. Sometimes they do it and most time they put it to other charges and fees WITH ABSOLUTELY NO DISCLOSURE TO ME AT ALL. I call them, they say they will take care of it by a said date. The date comes, and nothing is done. I ask for a supervisor and NO SUPERVISIOR IS AVAILABLE AT ALL EVER. They always want to call me back within 48 hrs. Sometimes they do and sometimes they do not, when they do not I have to start the process all over again with another supposed 48 hours. I recently talked to a XXXX ( supervisor ) on XXXX/XXXX/XXXX and she assured me it would be taken care of and she would call me back to confirm. Now it is XXXX/XXXX/XXXX and still nothing, I have received a few mtg statements since and nothing has been adjusted. This is my funds to be distributed and they distribute how they want with ABSOLUTELY NO DISCLOSURE OF FUNDS AT ALL!!! This is a clear violation of consumer mortgage laws. When I do talk to them, some say " We have a hiearchy to which we put your funds ... ..? " and some say they attend to my requests and they hang up the phone and never pursue my requests to where I have to constantly call them again and again. I have had other issues with this company a few years back asking them to confirm my previous mortgage servicing sales because I was concerned that the 2 prior servicers where sued for fraudulent mortgage practices by the US Government. Same thing back then .... no response and no answers .... and I send them registered letters back then. ... ... It is ridiculous. When it is the XXXX or XXXX of the month they are calling me for my payment .... which I am completely current on with no late payments, but when I call them with concerns ... it goes directly to the trash. Sometimes they call me back and sometimes they do not and I have to start the whole process over again and again. They also keep me in this collection status because I modified with a previous servicer. They constanty treat me like I am 150 days down in my mortgage when I am completely current every ... ... single ... .. month. I am not in collection status but they constantly refer to me as a " problem '' which is very discriminatory. Just because I am XXXX does not mean that they should treat me differently. 

Please help with this ridiculous racist, no disclosure company. 

Sincerely XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Originally XXXX XXXX reported a balance of XXXX on a credit card that was paid in full and closed, and now it is still being reported by XXXX XXXX and by Transunion, XXXX, and XXXX, as closed but with a balance and that is incorrect it should report closed with a XXXX balance on all XXXX credit reporting agencies. and no one is doing anything to get this issue corrected. IT IS HURTING MY INCOME TO DEBT RATIO AND MY CREDIT SCORE. 
SEE ATTACHMENTS : THEY CONTAIN TRANSUNION RECORD AND XXXX XXXX RECORD. 

Company response: Company chooses not to provide a public response
Consumer complaint: The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors ' dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Dear Sirs, I was attending school at XXXX XXXX College in XXXX Colorado, going on my second semester ( In XXXX of XXXX ). In the end of XXXX, I received a phone call from XXXX where I found out that my mother had XXXX. I had to leave school to go take care of her in XXXX XXXX XXXX, XXXX. When I came back, in XXXX of XXXX, I found that ( XXXX XXXX COLLEGE ) had sent a bill that they said I owed in the amount of {$740.00} to a collection agency, by the name of PROFESSIONAL FINANCE COMPANY, located at XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Phone nubers ( XXXX ) XXXX and ( XXXX ) XXXX. I basically only went to class for a few days for that XXXX Semester ( which began in XXXX of XXXX ). I have been unable to pay this, and I am currently attending school at XXXX XXXX XXXX in XXXX, Nebraska. In order to enroll for the next semester, I am going to need the transcripts that XXXX COLLEGE has, which they will only give after what they say I owe is paid. I do not know what to do, because I am very poor, and I need the transcripts in order to continue going to school. Please, I need your help. I do appreciate so very much your time and attention to this matter. Respectfully yours, 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received a phone call from ShellPoint Mortgage Servicing on XXXX at XXXX asking me to verify personal credit information and they referenced me to my previous foreclosed home at XXXX XXXX XXXX XXXX XXXX Il XXXX. The company Shellpoint mortgage servicing also know as Resurgent XXXX Servicing was a company inwhich I had a second mortgage and I filed Bankruptcy on or about XXXX inwhich the debt has been wiped out. 
They continue to call and harass me when they had a copy of my credit report which verifies and shows that I filed bankruptcy and the debt had been dismissed. I told them to stop calling me and harassing me to put me on their do not call list but they continue to call and harass me. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This reported item was a duplicated sent printer. I spoke with XXXX rep who told me to decline receipt upon arrival, which I did and carrier took it away immediately. Obviously, XXXX failed to remove this double shipped printer from my credit card. I called to confirm this was removed and was told that it was. This is an erroneous charge and needs to be removed immediately. The credit card from XXXX has since been canceled. Please have this removed immediately as it is affecting my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: In previous correspondence I have requested a new point of contact and not the person whom previously failed to grasp knowledge and understanding of my accounts and failed to control herself in conversation and continually interrupting questions and answers. I contacted and emailed the corporate headquarters to make this request for a new point of contact and due to my hectic work schedule, it is my request that I receive no phone calls until and after XXXX. All correspondence should also be placed in writing and sent to me via email and or at my home at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Additionally I would like to make the request for a full Amortization Schedule, as it would clear up any further confusion by the Wells Fargo Home Mortgage Department. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to the doctor for a medical condition with XXXX. I completed all of the necessary paperwork and the doctor 's office filed a claim on my behalf which was supposed to have been sent to the insurance company ( XXXX ). I never heard anything back from the doctor 's office after that nor did I get any information from the insurance company stating that I owed any money. Shortly after that visit I moved to a new address and never received a bill from the insurance company or the doctor. About one year later, I was checking my credit reports and I find XXXX entries of collection on my reports. XXXX was from PDQ Services Inc and the other was from XXXX but with the PDQ Services address and information. I immediately called the doctor office and was told that there was nothing they could do and that I would have to call PDQ. I immediately called PDQ and offered to pay the bill in order to get it off of my credit reports as I did n't want my credit tarnished from a {$230.00} bill. PDQ was paid via credit card online. After that I still noticed that PDQ had the information on my credit report and I told them that I thought this violated my privacy rights and HIPAA as it showed my potential medical condition. I asked that the entire credit line be removed from my reports as it was paid and served no purpose based on the fact that I never received a notice of a bill. Neither PDQ, XXXX or the credit reporting agencies wanted to listen to my plea. I honestly feel that I have been taken advantage of and become a victim of shoddy medical collection practices. I also think that the doctor never attempted to contact me as this could have easily been paid in the early stages if only I had been contacted. I asked the credit reporting agencies to verify the methods and they basically gave me a nonchalant answer. They claimed to have verified the collection but could n't have as PDQ and the doctor sent me a letter stating that they were not going to address my complaint. Everyone ignored my pleas after I paid the account and all they wanted was their money. They had no concern for my rights as a citizen. The credit reporting agency says that they mask reports when sending out medical information but I am inclined to disagree as I see poor reporting from them each time I look at my credit reports now. PDQ does not bargain in good faith and should have never had my medical information in the first place as they have no business associate agreement with the doctor. I asked for this but it was never given which leads me to believe that they are handling sensitive information without a need. I asked them to verify the debt after the fact and they only sent me a letter stating that the debt had been paid in full. All in all, this has been one unpleasant situation to be in as a result of a {$230.00} medical collection debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a continued filing of complaint XXXX against PDQ Services Inc. I would also like to file the complaint against the credit reporting agencies as well. It appears that they do not verify information submitted to them or requested to be investigated by the consumer. They accept mediocre statements from collectors with no real intent in site. The credit reporting agencies allowed PDQ Services to report information of a medical nature which invaded my privacy even though they said that they did n't and I have reason to believe otherwise. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My sister started receiving calls from a placed called Summit Receivables ( XXXX ) regarding a undisclosed debt on XX/XX/XXXX. After receiving a message from my sister I contacted the number above. When I called they would not identify the debt in question. They tried to ask for my ssn to look up the supposed account. I did n't give it to them. I had to call back a few times because the people would yell at me and hang up the phone.. Whenever I would request some sort of debt validation. They never identified the debt over the phone nor did they send any letter of validation after I contacted them. I also reviewed my credit and I do n't see any collection activity from Summit Receivables. My sister contacted me again the other day stating that she is still receiving call from them even though I called them from my number. She said that now they are claiming it 's in regards to " her debt. '' they might be contacting my dad as well, as he told me yesterday a collector called him weeks back asking for me. I have n't put any of these family members on any credit related items. I think this is a scam.. I have researched online and found many other people complaining about the same place. 

Company response: Company chooses not to provide a public response
Consumer complaint: am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Tansunion 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: I applied for my free credit report from Transunion using the government form from annual credit report.com and sent it in and got back the stock we can not find you but to provided documents which is did and they are my latest paycheck stub and my latest bank statement showing my current address and I get back a stock letter staying proof is unacceptable as it was to old? so how can the current pay check stub and bank statement not current and requesting to sent in the same documents why? can I get my report I provided the information and Transunion can find me with out any problem and again every year I have this issue why is the government allowing these companies get away with this type of behavior and have so much control over our information 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being charged monthly for interest and there are no eligible purchases that warrant the interest charges. The only eligible interest charge was paid and reversed. I have made many calls and have been told different things by different representatives. Last month, I was told if I pay over {$70.00} towards my balance ( from a non-interest bearing balance transfer ) that I would clear any charges in the past that might be charging interest. I paid {$100.00} and I am still receiving the interest charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: Let me be clear. I have paid all my mortgage payments in full, to date. I bought my home in XXXX and immediately set up automatic direct debit every XXXX of the month to the mortgage company, XXXX XXXX. Sometime in XXXX, my loan was sold to Citibank, who expected a XXXX payment. I immediately contacted Citi, who assured me they would recover the funds from the previous lender. When this did not occur, I contacted XXXX XXXX, and was told the date, amount and tracking number of the wire transfer. I called Citibank, but still nothing. I made a very long conference call with the two, ( XXXX from Citi and XXXX XXXX from XXXX XXXX ). The Citi rep recorded the info of the transaction. XXXX also sent the info. Still nothing. Citi told me to fax my bank statement. They must have given me the wrong number as I spent about an hour faxing to a bad number. I repeatedly called Citi, which is always very time consuming and sometimes even impossible to connect. On one occasion, they informed me they had found some of my mortgage payment, but not all, and therefore would apply none. ( They would have never revealed this info, if I had n't asked ). Becoming increasingly aggravated, I told them, recovering the rest of this payment and the associated discrepancies is beyond my ability. I merely pay my bills and as I had no control over this transaction, Citi will have to find my money. I have helped as much as I can. Rather than directing their energies to finding the mortgage payment I made on XXXX XXXX, they have instead chosen to harass and threaten me. They call me at work, on vacation, ( verbally abusive ) send me threatening letters, to foreclose on my home, damage my credit rating, which would seriously jeopardize my job. I have spent so much time trying to solve what I consider their problem, and now they expect me to take time from work to meet them. I called a local branch to try to set up a meeting but was unable to get through. If there is a problem with XXXX XXXX, why am I in the middle? It 's not my field, I 've told them, repeatedly. They bought the loan and the associated payments. My job is very important to me, and right now I am way too bogged down, to get further involved in and stressed out correcting Citi 's incompetency and misconduct. In fact, when I do have time, I will look into getting this note into the hands of a more professional and respectful lender. ( By the way, the missing money amounts to about {$250.00}, which really does not justify Citi 's hostile behavior. ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Took out this loan with Argon Credit back in XXXX 2015 to cover medical expenses for my husband. The application stated the interest rate would be no more than 5 % when consumer applied ; however, the interest rate was not revealed until the final signing of the loan. Consumer discovered the interest rate was 89 % on a {$2000.00} loan. This is in violation of the Usury law of the state of Alabama. Consumer has made a previous complaint with CFPB about Argon Credit, and the interest rate was decreased to 79 %. Consumer has made XXXX payments of {$190.00}, totaling {$1500.00}, but the balance is showing {$1600.00} with the majority of the payment going toward interest. Consumer disagree with this balance. Under Alabama usury law, the balance should be {$470.00} because the interest rate charged by Argon Credit is in violation -- balance due {$2000.00}, only. The balance increases enormously every month instead of decreasing. Argon Credit is using Private Payment Services to debit my account, and when consumer calls, XXXX XXXX XXXX refuses to give a payoff balance. The phone reps go into great lengths to avoid giving consumers this information. I have contacted Argon Credit several times about this interest rate violation, but just sends out a generic response. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been asking my service mortgage provider to show me proof of monies distributed for servicing this morgage after a modification was agreed upon. Now they are trying to collect on this money even after i agreed to {$32.00} in interest and other fees. I am disputing XXXX and additional {$730.00}. Totaling {$3600.00}. i have been asking them for proof of this since XX/XX/2015. I am still waiting till this day. 

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