AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am selling my home at XXXX XXXX XXXX, XXXX, AL XXXX. The buyers XXXX XXXX XXXX XXXX obtained a pre-approval letter from TJC Mortgage NMLS # XXXX indicating they were pre-approved for a mortgage loan of {$230000.00}. Our closing was set for XXXX/XXXX/15 and I was scheduled to close on another home the same day. XXXX days prior to XXXX, XXXX XXXX with TJC Mortgage contacted me to let me know there was a delay and would have to postpone closing until they cleared up a mistake on the buyer 's credit. Since then, I have written communication from XXXX XXXX indicating the lender had approved the loan and it should close " any day ''. Due to this notification, I proceeded to solicit a moving company to move my entire house as the buyer 's wanted immediate occupancy at closing. I moved on XXXX XXXX, 2015. From XXXX/XXXX/15 - current date of XXXX/XXXX/15, TJC mortgage has been lying to me saying they had the loan approved and it would close any day. However, a phone call to their owner XXXX XXXX, revealed they had submitted the loan to XXXX different lenders and the client had yet to be approved, thus no closing date to be set " any day ''. I have declined further interest in my home and missed opportunities for additional contracts on my home not to mention the {$2400.00} so far of moving expenses and now have to pay to move my things back to my house. I believe this mortgage company acted in bad faith and should have notified me at closing or before that this buyer was not credit worthy and they were unable to fund their loan to enable me to relist my home and not lose a potential buyer and not incur the moving expenses of {$2400.00}. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I found out from a free credit report XXXX XXXX XXXX XXXX that a collection agency called Enhanced Recovery Company erroneously reported a debt of US {$350.00} that I 'owed ' to XXXX. This immediately caught my attention because I have never had a XXXX account. I called XXXX and reported that this was an error, to which they replied that they will investigate. I also called XXXX and gave them my social security number, and XXXX verified on the phone that they do not have any record of anyone with my social security number opening an account with them. I had informed XXXX of this as well, but later found out that XXXX 'investigated ' this issue and confirmed the 'debt '. 

I then contacted the collection agency, and the customer representative gave me the last XXXX digits of the social security number of the person who actually owed XXXX, and this was not my social security number. I was then informed by the customer representative that I will have to send a letter explaining the situation, and a copy of my ID and social security card to the collection agency for verification. 

I truly can not understand how a debt can be so easily reported to the credit report bureaus without verifying someone 's social security number, and the credit reporting companies just post that erroneous report which negatively influences my credit score. Now, I have to send my very personal ID and social security information to a credit collection agency that I do not trust. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: FILED A DISPUTE # XXXX. RECEIVED A REPLY FROM EXPERIAN THAT SAID VIRTUALLY NOTHING AND VERY CONFUSING. 

Company response: Company chooses not to provide a public response
Consumer complaint: AmSher Collection Services reported to credit bureaus a debt which I never owed. It is for XXXX XXXX, which I still use and am current, and have been current, on my bill, but they say I opened up another account in XXXX of this year and owe over {$400.00}. I have used Century Link since at least 2005 and when we moved over 3 years ago, we paid our balance and signed up for Century Link at our new home ( I am sure they would NOT have given us new service without paying off the old ). I have no idea how to respond to these people. I DO NOT OWE THIS MONEY! These charges are erroneous or fraudulent but either way, they are not ours and need to be removed before more damage is done to our credit! FURTHERMORE, we never once received anything from these people indicating that they thought we owed this money .... the XXXX we heard of it was from our credit report which leads me to think they are bipassing the system as a sneaky way to conduct a fraudulent business. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XXXX XXXX, 2015 I went in line to request a free copy of my credit report. I had not done so for a couple of years. I went to Experian XXXX to request the report. XXXX agencies asked that I provide a credit card number and indicated they would charge me {$1.00} for the credit report. I provided the information and agreed to the {$1.00} charge since it was a small sum ( although they should provide the report free of charge ). The next day I was charged {$49.00} by Experian and received and email indicating that I had signed up for their credit monitoring service. On XXXX XXXX, 2015 I was charged {$17.00} by XXXX. I called XXXX agencies to inquire of the charges and they indicated I had signed up for the credit monitoring service. I DID NOT sign up for such service so I told them to cancel immediately and requested they reverse the charges. They refused to reverse the charges but I am disputing them with my credit card company. I believe these agencies engage in deceptive advertising and their web sites are also highly deceptive. Consumers should be warned not to go to their web sites and if they do, be very careful. This is a real " rip-off '' and I suspect there are many consumers who have experienced what I did when I was merely trying to obtain a free credit report which I am entitled to at least XXXX a year. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter on XXXX XXXX, 2015 about a collection account from XXXX that was placed with Enhanced REcovery and I 've never had XXXX so after speaking to a representative she stated she would be sending the account back to XXXX office as a fraudulent account and once there had been an outcome, I would be notified. I never heard anything from XXXX nor Enhanced Recovery so I assumed the account had been resolved through the fraud department of XXXX. I never lived at the address on file for this account nor did i ever give anyone permission to use my social security number to obtain services in my name. This account was originally with XXXX XXXX 2 or 3 years ago and I disputed it and it was deleted immediately due to the account not being mine. I tried to refinance my vehicle and because there was a brand new collection reporting with this company I was denied for my loan and they they wo n't pull my credit again for another 60 days. I want this account deleted immediately due to never being notified of the ressolution of my fraud dispute before randomly reporting the accountto the credit bureaus. Also after speaking with Enhanced Recovery today I notified that it was no longer with their office and had been sent back to XXXX XXXX so there is no reson for it to be on my report as of today 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a PayPal account, which I will never use and I want it removed/deleted/deactivated, etc. I 've been trying since XXXX 2014 to delete my PayPal account myself without success. I have contacted PayPal a number of times to ask for PayPal 's assistance in deleting/removing/cancelling my account with no success. That leaves my financial information out there for whomever might be looking around to find. I also had a PayPal XXXX which I was able to cancel that account but the PayPal XXXX account is still linked to my PayPal account and of course my address appears on the statements which reside there with PayPal. I need and want the PayPal account closed/deleted/cancelled or whatever it takes so that no information is available anywhere to anyone. I 've sent email messages to XXXX XXXX, President and CEO XXXX, PayPal XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXXXXXXXXXX and it appears just get passed along to a support type person and they can not or will not delete my account. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. 
They have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I as paying an interest only mortgage with XXXX who sold the mortgage loan to Specialized Loan Servicing LLC. I called them in XX/XX/XXXX to request a XXXX fixed mortgage since the principle of my loan was {$50000.00} and it never decreased after paying 10 years. I was denied a modification because I had never missed a payment. I thought that was crazy so I resubmitted it. They began returning my payments which forced me to miss payments. I was so frustrated with calling there and being talked to like an XXXX I hired XXXX XXXX to help me. XXXX was able to work out a modification where I was in a 30 year fixed but they hurt my credit with the missed payments! I was now back to paying 30 years of interest as if I never paid the 10 years. I made my payments every month on time for 10 months then they sent me a statement with an additional {$110.00} charge added to my mortgage payment. I called and was told to fax in my problem and to send in my normal payment. I sent in my payment less the {$110.00} charge. I received a letter stating the {$110.00} was an error and would be corrected. When I received my statement for the next month they had not applied my payment, it was sitting in unapplied funds and they were requesting double the amount that I owe monthly. I called and was told my payment was not paid in full so it would not be applied. I explained that I did make my normal payment as instructed to do so but not the {$110.00} that was put on my account in error. So once again I only paid my normal payment for the month. This went on for 3 months. I thought their system would finally see I was not behind in my payments because the money was sitting there in unapplied funds but no such luck. I called in XXXX and they told me that since this all happened in XX/XX/XXXX there is nothing they can do. So I have a mortgage payment sitting in unapplied funds that will never be applied to my mortgage because they overcharged me {$110.00}. When I called in XXXX I was told I was 3 months behind when I have NEVER missed a payment. My statement shows I owe them over {$1500.00}. In XXXX I decided not to pay them to see if they would apply the mortgage payment that is sitting in unapplied funds. I feel they want to force me into a foreclosure. Since I just do n't have the money to hire XXXX again, I had just given up until an agency called XXXX XXXX suggested I contact your agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally Financial Auto reported to all the credit bureau 's that I was late on a payment for the month of XXXX when my XXXX Payment was n't even due for another 2 weeks. I am in the process of going to settlement on a house but can not due to my and my wifes credit scores took a dive. after calling every day to get them to fix it they keep telling me it will be fixed when they report at the end of the month. I over and over explained to them that I do n't have till the end of the month. I only have a week before settlement. will not help or work with me at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted via phone - the person claimed to be a Citibank representative and said that they called me to lower the interest rate on my credit card. They asked about my phone number, type of my Credit Card, my CC number and the expiry datye of the CC. They asked me to confirm the last XXXX digits of my SS number. I suspect this might have been a scam and the info they obtained could be used to purchase goods. I would like to ask for verification. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I made my XX/XX/XXXX mortgage payment. At the end of XX/XX/XXXX I made my mortgage payment for XX/XX/XXXX. Everything was fine until about XX/XX/XXXX when I started receiving late notices. I did some research and found that LoanCare had applied my XX/XX/XXXX payment towards XX/XX/XXXX. So instead of recording XXXX separate months payments as they should have they showed XXXX payment for XXXX. I called and got it resolved without issue. I was assured that this was their mistake and it would not affect my credit score. I have filed a dispute with XXXX with LoanCare but they refuse to change the late. The account was never late. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX credit report agencies released and provided to XXXX different companies my credit information without my seeking to have credit extended to me. This happen XXXX XXXX 2014 and XXXX XXXX 2014 by the companies being, XXXX XXXX XXXX, and XXXX XXXX. The impermissible pull is negligence under Federal Law 1681 under FCRA ( sec 604 ( A ) ( 3 ), and Damages under FDCPA. I had gone to both these dealerships as co-signer and on loan already approved by XXXX, for XXXX XXXX my partner, the approval ID XXXX on date XXXX2014. the dealership never indicated they would seek financing other than that we went in with from XXXX XXXX They obtain my social security indicating they would contact XXXX and see if they could " increase '' the amount with me as co signer because they " Dealership '' F & I department manager said XXXX would not qualify receiving social security income because no way to re coop loan if it defaulted because XXXX receives State payment subsidy and social security and creditor would n't be able to garnished. At no time was authorization signed to allow a credit pull or to seek other financing, nor was there any disclosure as required under law as to sharing of consumer information 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was a XXXX at a XXXX college in XXXX XXXX XXXX named XXXX. I attended XXXX to try and better my education and grow as a professionalI .I called the XXXX ad scheduled an appointment with a rep who I thought was a counselor. Later I found out that these reps get commission for every student they enroll and once we XXXX .which is why they are a predatory school. I advised the rep that I did not finish XXXX and that I wanted to further my career. The rep referred me to a XXXX that was XXXX and a fraud .I completed about XXXX test in XXXX hours and they forwarded my transcripts directly to XXXX stating I now had a XXXX. I then Attended XXXX for 2 long years and XXXX the XXXX program they offer. Once I tried to apply for a job in the XXXX XXXX field such as XXXX, XXXX probation, i was advised that in order to get credit for my XXXX degree and XXXX must be from an XXXX College, which XXXX is not.The degree from XXXX is pretty much useless, no regular college recognizes the credits and no criminal justice job will accept it. So I feel defrauded I wasted 2 years of my life and now I have a big student loan debt. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The XXXX credit card was offered to me and I said no I just want the XXXX card. I was sent the XXXX card instead even though I was assured that I was getting simply the XXXX card. After using the card for a couple months, I purchased some text books at XXXX University's Bookstore. The charge never appeared on my statement for 2 months and I received XX/XX/2012 and XX/XX/2012 statements with zero balances. Then, on XX/XX/2012 statement XXXX charged me a late fee and finance charges for the purchase made back in XX/XX/2012. I told them I had XXXX statements XXXX with a XXXX balance and they said sorry. I was so upset I paid off the charges and closed my account. I initiated a dispute with www.annualcreditreport.com for these incorrect penalties and how it negatively impacted my credit reports and significantly lowered my credit scores but they have not finalized a response. They sent me a email stating they were investigating the situation.
Company response: Company chooses not to provide a public response
Consumer complaint: I forwarded insurance proceeds from a barn fire ( total loss ) to Select Portfolio Servicing , Inc. because the check was made out to us and them. They were supposed to distribute the funds back to me in XXXX installments : 1 ) immediately for materials purchase ; 2 ) when inspection verifies project is half done ; and 3 ) when the project is complete. After XXXX months, I still do n't have a XXXX of my money. XXXX keeps coming up with forms I need to complete or processes they need to finish. The contractor will finish next week and I wo n't have even the XXXX installment to pay him. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had 19 month CD with U.S. Bank which was apparently automatically rolled over for another 19 months at maturity. The problem is that rate is extremely low ( 0.15 % ) and not competitive. When we asked what the cost would be to terminate the new CD we were told a {$25.00} fee, which is fine, plus a 3.0 % penalty, which is ridiculous. We were expecting to a few month 's worth of interest as a penalty. 

Company response: Company chooses not to provide a public response
Consumer complaint: I worked out a payment arrangement with Fulton, Friedman & Gullace, LLP. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out XX/XX/XXXX however they did XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In fact my drafts begin XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ive contacted this company several times for several years trying to obtain information on an account that they are reportung on my credit file XXXX times, i have constantly disputed this account without resolution, it simply is not my account, its fraud please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I continue getting calls from different people claiming I still owe cash call {$2500.00}. I paid off that debt to a reputable law office. The scammers keep saying they have papers to serve me. Their number is XXXX, XXXX XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I received a low FICO credit score from XXXX credit card, and per its info provided, contacted TransUnion, who refused to give me my credit score. I asked them if my score was the same w/them and whether it is above or below XXXX. They stated they could not tell me because every company uses a different scale, and that I would have to pay for their numerical score. Why would I pay for a score that is not standardized? I asked them " if I were applying for a mortgage, which score would be preferred from the mortgage company, TransUnion or XXXX ''? For the record, XXXX just XXXX my credit limit, yet my score is low. She stated I would need to obtain a score from each company. That 's absurd! There has got to be a standard scale that every credit reporting agency, credit card provider, etc. uses across the board, and if there is n't, there should be. Otherwise, I should start a credit reporting company and create my own scale for those who are disenfranchised, who refuse to obtain credit cards to establish credit when cash should speak volumes rather than borrowed money. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX In reference To our telephone conversation today XXXX XXXX, I am absolutely appalled by the behavior of Union Bank! One might say! I 'm guilty by association! I told you in the beginning that we did not have intentions to continue business as a XXXX, I also sent you a letter from our accountant. I did a lot of research for you to send you certain documentation which A considerable amount of time, you have me into a very precarious position, as of XXXX XXXX my existing loan has adjusted to an increase of approximately {$2000.00}. You have taken over a month to finally let me know your decision, I was told in under the impression when I authorize charging my account for {$490.00} in going forward which included appraisals and other things which were never done! I never received an appointment from the appraiser or any communication except for the fact that you called me and asked me why I canceled the appraisal? News to me I told you, so I 'm assuming this was done internally within Union Bank I am requesting that you return my {$490.00} immediately, or I will have no choice but to file complaints with explanation to certain authorities, this was not fair nor businesslike. I wish all of you the best. 
Best wishes XXXX XXXX I told XXXX in the beginning I do not have any intention of continuing on with the XXXX before I made application to Union Bank. He checked and said there would not be a problem since I was providing him with a letter from my accountant which I did. As we continued of course after they got my {$490.00} he came back and said their underwriter said they could not do the loan since I was a XXXX the deposit of {$490.00} was also for a appraisal and other things which were never done by Union Bank I am requesting the return of my $ XXXXHow complaint can be satisfactorily addressedReturn of my {$490.00} from Union Bank 

Company response: Company chooses not to provide a public response