AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid. 

This bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing. 

Company response: Company chooses not to provide a public response
Consumer complaint: For whatever reason, my financial institution ( Citibank ) did n't see this dispute in my favor. If anyone from the disputes department called XXXX XXXX XXXX and asked just some basic questions it 's easy to see that this franchise has a lot of gray areas and has a a hierarchy of rules and people to contact just to get a simple answer. This franchise is such a scam! 

I paid for a service/membership that was never honored. Merchant canceled my membership without telling me. ( No correspondence, phone calls etc. ) When I went into store to use my prepaid pass I was told that I could not use pass until my pass was paid in full ( more money and another payment of {$160.00}. I assume whoever sold me this " wax pass '' makes commission and sold me on singing up. She failed to mention all these extra deceiving details ) I was not interested in continuing this pass so I asked how I could I get my money back. I was then told by an associate I could receive a full refund back to my original payment method after talking to a manager. I reached out to the district manger named XXXX via the phone on a handful of different occasions asking for a call back. I even went into merchant where I signed up after making several phone calls. 

( Update : I just recently found out on XXXX/XXXX/16 that XXXX in fact does n't work at a physical store. She works in a call center. This franchise is running a scam ) I asked to speak to another manger and of course the only manager I can speak to is XXXX. I was then told by another associate working that " my pass had been canceled for non payment. '' There was nothing she could do other than to let me use my store credit at the full retail price for services and not the discounted price. The only way to get a refund was by talking to the manager within 7 days. '' Supposedly, XXXX contacted me a dozen times about getting my refund. And if I wanted one all I had to do was call her back in this time frame. 

I attempted to contact the manger XXXX numerous times including driving across town to speak in person with a manager during this 7 day timeframe. I find it very coincidental that it took her longer than 7 days to get back in contact with me. 

( Update as of XXXX/XXXX/16 after calling and speaking with XXXX again, this time I got ahold of her on the first try, I was told that it took her so long to contact me because she works on a first come, first serve basis and by time she got all my messenges it was on the XXXX day ) I do n't want a store credit. I want my money back! I paid for services I never received! I am not interested in having services done with this merchant ever again. So having a store credit means nothing to me. 

My pass was canceled and the manger XXXX did not reach out to me during that 7 day period. This company literally took my money and my bank sided with them. 

While this is being investigated/appealed is it possible to receive a provisional credit? 

Thank you again for your time, XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a 1st and 2nd loan on my home. The predatory lender on my 2nd started a default judgement XXXX/XXXX/15 also called foreclosure. I have sent the 2nd lender the full amount of money owed via a certified check to get my home out of foreclosure. The 2nd lender says they will not apply the check to my account to bring it current until my 1st is current. My 1st is not in default or foreclosure. The property has a lot of equity over the 20 years I have lived here. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Citi Bank has pass a false debts to a number of collection companies. I been emotional as well as financially harassed. I have been unable to perform my daily actives, I can focus, sleep and eat due to stress caused by a debts that is not true and accurate. I was not informed that court action till years after the proceeding taken place. I did not and do no live at the address list on the court documents nor was I a resident or a visitor of that resident at the time they collection company claimed to served a summons into court due to my residency and visiting other states. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX XXXX, 2015 my husband and me made a offer to buy a house with Wells Fargo, the bank pre-aprove the purchase and my real state agent and the sell agent started puting all together. the purchase should be done by XXXX/XXXX/15. everythis was ok. I always need to called the wells fargo agent to make sure he has all the documentes from me. XXXX XXXX XXXX ( wells Fargo agent called me in to the bank XXXX to sig some paper that he needed, on the day He said that he needed to make a appraisal to the property but I need to pay {$500.00} for this matter. I give him a check the day. on XXXX/XXXX/2015 the appraisal was done I got my copy on the mail and one more XXXX XXXX received. the appraisal has all the information of the property including that it has XXXX units. 
on XXXX/XXXX/2015 XXXX XXXX asked to my purchase agent ( XXXX XXXX ) to request for XXXX extension because the underwriting need more time, the pettion was sended and aproved by the sale agent the same day XXXX/XXXX/2015 ; on XXXX/XXXX/2015 XXXX XXXX ( wells Fargo agent ) called me to let me know that the underwrither did n't aprove the loan because the propery has XXXX units and that the bank would aprove just XXXX house. 
I know XXXX XXXX is laying because when I was looking for my house I asked him if the bank would aprove more that XXXX unit, he responded that I could buy up to XXXX unit no more ; I always told him and also my purchase agent always told him that the house has to unit, this information is on the appraisal papers. 
I told him that but this was his excuse. I asked XXXX XXXX for the refund of my {$500.00} that I payed for the Appraisal, he said that he needs to send some documents before so the bank can refund the money to me but is been more that one month and he does n't resond my e-mail or call, he also request a second inspection for the roof with a 2 years waranty certificate, I had to pay {$250.00} for this inspection because the underwrither needed it to aprove the loan 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian has not provide me with evidence from disputed accounts which I have requested serval times in the past. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was congratulated on my mortgage modification. But the bank did not disclosed the new term and the percentage rate of the loan. I 'm still at 8.5 percent and 11 percent on loans. I 've been dealing with them for over a year now they are just doing nothing. I have an XXXX child and I have XXXX. I have been feeling as this is a JOKE to them. The bank is not treating me with any respect and they are not willing to help me! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a car loan financed by CNAC from XXXX 2015 to XXXX 2015. I traded my car in for a brand new car. When I traded my car in the new dealer called CNAC and got a 20 day pay off. Not even XXXX days later CNAC sent me emails telling me that I was in collections!! I reached out to them to advise them they will be receiving a check within XXXX days from the new car dealer. The representative was rude and continued to tell me that I was liable to pay. I then advised her that I will not make any more payments because they will be getting a check for the balance in full within XXXX days. I also advised her she was not to contact me at all. They failed to follow my request because they continued to call me when I a advised them not to. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by Macy 's Fraud department XX/XX/XXXX about unauthorized charges. I confirmed that the charges were indeed unauthorized, and the Macy 's person said that a new card would be issued and that the charges removed. A new card was issued, but I continued to get billed for the fraudulent charges. When the statement came XX/XX/XXXX, I again contacted Macy 's, explained that they were fraudulent and that the Fraud department should have taken care of it. The customer service rep. said he would forward the information to the Fraud department ( they were closed apparently ). In XX/XX/XXXX, I again got a statement as well as calls, and on XXXX XXXX, again called Macy 's and was eventually routed to the Fraud Dept. The woman again took all the information, confirmed that the charges should have been removed in XX/XX/XXXX, but that now Macy 's had reported me to the credit bureau. She started an official fraud claim. On XXXX XXXX, I received a Statement of Fraud to complete, and I completed and faxed back to Macy 's on XXXX XXXX. I have proof that fax was received by their machine on XXXX XXXX. One month later, after getting another statement, I contacted the Fraud department again. I believe it was XXXX XXXX. The Fraud rep. said that I would continue getting billed until the claim was completed but that that it should be soon. On XXXX XXXX, a message was left on my home phone from Macy 's. I called the number thinking it was the Fraud dept. calling to say they had completed my fraud claim. However, after going through XXXX regular customer service reps. and waiting on hold for 1 hour and XXXX minutes, I finally was put through to a Fraud rep. She was rude, insisted that the Statement of Fraud did not get put in until XXXX XXXX and therefore it was n't yet 30 days. I explained that I have confirmation that they received my fax on XXXX XXXX and that I have verification of it. Then she changed the excuse and said that they were going through a conversion and that it would take XXXX more weeks. So, 5 months, hours spent on the phone, and Macy 's still have n't corrected an issue they knew about in XX/XX/XXXX and neglected to resolve and also is hurting my good credit as a consequence. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt Collection company continues to call my XXXX daughters cell phone to attempt to collect a debt for another person. I have contacted the company XXXX different times, and XXXX of those times they have said that the number has been removed from their system, and is not attached to the account they 're trying to collect on, but the automated calls continue. In talking to the representative over the phone, they simply state that the number has been removed and that it will take XXXX hours to remove the number from the automated system. This has been the response each of the last XXXX times I have called, which covers a XXXX day period, so that is not correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian keeps wrong information on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am not clear as to what exactly happened with my Bank of America account. I do know that the account was ultimately closed and has been reported to XXXX ( XXXX ) and XXXX as " fraud '' because of a returned check that was deposited. I have made two trips to Bank of America to try and resolve the issues at hand ( I have been placed in XXXX & XXXX for {$240.00} ). The branches themselves have not been able to help me. The reporting to both bureaus has resulted in all my bank accounts being closed with my previous institution because of the " fraud '' attachment to my account. I have attempted to resolve the issue at Bank of america to no avail. It is IMPOSSIBLE to open another bank account for myself and or my business because of the fraud. My business will be closed by the end of the month because we can not operate without a bank account and our credit card reserves will be maxed out. Who gave Bank of America the right to shut down businesses it is very apparent that they have more power than our Government does. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error. There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in the process of closing escrow on a new home, escrow is supposed to close XX/XX/XXXX. 
I have sold my current home, and both my home now and my new home should close escrow on the XXXX. XXXX title has requested a payoff on my current loan from freedom mortgage about 2 days ago, should only take 24 hours to respond. Freedom mortgage still has not responded. I called freedom mortgage today which is XX/XX/XXXX, talked to a woman who said she would fax ticor title right away. She also said it would take ten minutes. She also offered to e mail me a copy of the payoff and I agreed. It 's been 3 hours and still no response. I reminded freedom as to how important it is for them to respond to XXXX XXXX as I have 2 weeks until I 've got ta move and it just seems as if they do n't care. 

Company response: Company chooses not to provide a public response
Consumer complaint: I negotiated the purchase of a new home for {$430000.00}. I submitted the original purchase contract, stating a purchase price of {$370000.00}, as well as all amendments to my lender as requested with the final agreed upon purchase price of {$430000.00}. The appraisal was ordered on XXXX XXXX, 2016 and performed on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received the appraisal directly from the vendor electronically referencing a Contract Price of {$370000.00} and an appraised value of {$410000.00}. Unfortunately for me, the Contract Price was actually {$430000.00}. The appraisal even stated that the property appeared to be selling at a discount due to 'pressure to sell '. The appraiser used XXXX relocation properties and XXXX foreclosure for comparable. The appraiser appeared to be 'trying ' to get the appraised value lower and closer to the Contract Price based on several factors. 
I informed my lender at the time of the error and they contacted the appraisal vendor. I did not hear anything for a few days and eventually received a 'corrected ' appraisal reflecting the correct Contract Price of {$430000.00} but still stating an appraised value of {$410000.00}. The 'corrected ' appraisal also detailed in the addendum that they WERE NOT provided the amendments to the original contract price until XXXX XXXX, 2016 and that was the reason the {$430000.00} Contract Price was not utilized for the appraisal. As well, it was noted that the appraised value could not be changed. 
The lender was negligent by not performing the industry standard expectation of presenting the appraiser with ALL of the contract paperwork including all contract amendments. Ultimately, this appraisal could not be used for the purchase of my home due to the negligence of the lender. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am attempting to avoid a foreclosure sale. I have submitted a completed mortgage assistance package to my servicer - Wells Fargo Home Mortgage. I also have equity. Wells Fargo has not postponed the foreclosure sale because they prefer to take the equity from me and profit from my distress. I fell behind on my mortgage because of long and painful XXXX treatment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lenderlive has admitted to paying out almost {$1600.00} from our Escrow balance to the wrong Insurance company. Since then, and before we noticed the error, our loan was sold to another servicer. Now that servicer shows our escrow short, and is increasing our payments. 
I contacted Lenderlive on XX/XX/XXXX. They had the correct insurance company, amount and status listed, but acknowledged paying someone elses Hazard insurance. I was supposed to get a call back. By Friday XXXX, I called again. The supervisor had yet to start their shift and I was promised a call back, but XX/XX/XXXX or Monday XX/XX/XXXX. Still nothing. This money was essentially stolen from us and we are waiting for them to reimburse us or our new mortgage servicer ASAP. This money is in their hands somewhere since the other persons escrow most likely has an overage. This is the second issue I 've had with Lenderlive. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Experian Report pulled on XX/XX/XXXX and Transunion Report pulled on XX/XX/XXXX show XXXX bank re aging a credit card debt charged off in XXXX to reflect a past due amount on a XX/XX/XXXX credit report for XX/XX/XXXX.. This is illegal and violates the fair credit reporting act. They ca n't say a debt is due if they have charged it off. It must be listed as disputed on my credit report and they could not verify the debt in XX/XX/XXXX. Also, they must cease and desist from how they report this debt immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. 

I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order they insisted I use for payment ( XXXX/XXXX/XXXX ), and the XXXX Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan with Delbert Services/ XXXX which I pay every month on time my complaint is that they are aware of my pay dates yet they call my cell phone XXXX times a day starting the XXXX of the month. I have asked them to not call me until after the XXXX which is my payday. They say the only way they will do that is if I set up automatic withdraws which I do not wish to do. All I asked was for them to not call XXXX times per day, they also do not leave any messages when they call. 

Company response: Company chooses not to provide a public response