AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian is a credit report agency. In order to view your credit report with your score you must pay {$1.00} and then they AUTOMATICALLY enroll you in their credit monitoring service for {$21.00} a month. There is no way around this. Then if you do n't cancel within 7 days, they charge you the {$21.00}. This is in small print. They do n't send you a reminder email or anything. They are hoping that the average consumer will forget about it until they charge you. Then, even if you cancel as soon as they charge you, they will not prorate any of the money back to your account. This is not fair to consumers. The onus should not be on consumers to opt out of something seven days later. You should be able to opt out of the service immediately. Also, if you cancel they should prorate the unused portion of the service. A company SHOULD NOT be able to rob hard working Americans of {$21.00} through these sneaky tactics. I expect more from an agency who is has so much power over the livelihood of American, but instead they are robbing us. CFPB, please make this company change this policy. It is unfair and predatory and this company is making money not by providing a service, but by hoping that Americans are inattentive and forgetful. It 's not right. 

Company response: Company chooses not to provide a public response
Consumer complaint: Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In XXXX, I paid Experian {$4.00} for a XXXX score. There was NOTHING that indicated that I was signing on for anything other than that score. Today, I noticed that XXXX was charging my debit account {$19.00} for Experian. I called XXXX, and they told me there 's been a monthly charge of {$19.00} since XXXX. They called Experian, who said they would credit {$19.00}, but no more. XXXX said, with further investigation, they MIGHT be able to get a total of {$59.00} XXXX for XXXX, XXXX and XXXX XXXX. They said they could not go back to XXXX because their liability did not allow them to. I called Experian, who said they could only refund ONE month of {$19.00}. When I said that I never authorized or signed for anything other than a {$4.00} XXXX score, the representative claimed " It was on our website. '' I then inquired that if I had signed on to some long-term contract, why had n't I receive a confirming email or review of exactly the service and terms to which I had committed. She reiterated that she could only refund {$19.00}. I asked her again for the total refund of {$79.00}, but she refused. To this moment ( and I was on with XXXX and Experian for a better part of an hour ) I have NO idea what the {$19.00} monthly charge was for, or what benefit or service I was receiving for that money. I believe this is an underhanded manner to get people 's credit or debit card information and surreptitiously charge them. I told Experian I expect the full refund because I was never informed of the charge or service, and never asked for the service. Thank you for your assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have notified Experian on multiple occasion that some one used my personal information to open credit accounts online with XXXX XXXX XXXX XXXX. I have provided the Identity Theft affidavit, proof of resident as well as the police report information. I have also asked that the information be blocked from my credit report in writing. They refuse to investigate or comply with the rights I have been provided under the law for victims of Identity theft. 

Company response: Company chooses not to provide a public response
Consumer complaint: Welcome XXXX XXXX [ Logout ] Case number : XXXX have not heard anything since XX/XX/XXXX and this lender is going to continue with foreclosure proceedings. I got a copy of a request for a stay of foreclosure that seemed like it said the company was going to help me keep my home but last week received a withdrawal of that request along with a statement that they intended to proceed with foreclosure. 
I have hired a lawyer XXXX XXXX and he intends to file for a motion for dismissal because I guess the lender and collector are n't supposed to work separately in Maine so what they are trying to do is illegal. 
In the mean time XXXX Bank of New York Melon is trying to foreclose on me XXXX is going to process yet another modification application to help me but I will probably just get another offer for XXXX + per month because the back amount owed continues to rise as I face uncertainty. 
I still maintain that XXXX XXXX XXXX said they were transferring my mod to XXXX and they would contact me if they needed information which they did not do until 3-4 months later when I finally received a bill which by this time was too high for me to catch up. 
I feel that these lenders took over my loan for pennies on the dollar as an easy target for foreclosure and an opportunity to re sell for full cost and triple their profit. 
These practices need to be stopped somehow. Did they not recently lose a lawsuit because of illegal practices? Do they even own my loan since it was a fallout from XXXX filing bankruptcy and illegally transferring notes to XXXX XXXX XXXX. 
I would like this investigated as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never had an employer named XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: When my ex and I we married and did n't have great credit we went got a vehicle loan together. The loan was over {$400.00} per month which was ok when we were married. Once we divorced and I was the only one making the payments it became too much for me to afford. I called and asked if there was anything they could do to help. I asked if I could trade the vehicle I was currently paying on for something less expensive so that I would still have a vehicle and that I would be able to afford. They informed me that they could not help me with changing out my vehicle to make the payment lower for me and that I would have to find a way to still make the payments of over {$400.00} or simply turn the vehicle back in and loose everything I had already paid and be left without a vehicle. I 'm still being forced to make outrageous payments as a single mother of XXXX children with no help or assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother and I have the same name but different Security Numbers and addresses. I have been under a different address the past two years. I see some disputes on my report that possibly could have came from my mother. I have not been to a college. Please let me know what future steps I have to resolve these issues please. 

Company response: Company chooses not to provide a public response
Consumer complaint: FIA CARD SERVICES - XXXX, this company keeps calling several times a day, after talking to a live person, explaining to them that we do not have an account with them or have any past due account and to stop calling, they continue to call. They claim they are calling from Bank of America. We told them we DO NOT HAVE AN ACCOUNT with Bank of America or past due amount with anybody. 
They continue to call several times DAILY. They are calling for the correct person BUT we never have any account with the company they are calling from. THEY START ASKING FOR OUR SOCIAL SECURITY NUMBER AND THEY WANT US TO VERIFY THE PHONE NUMBER THEY ARE CALLING. THE CALL IS ALWAYS AN AUTOMATED MACHINE. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to start by saying that I am very frustrated, because I am getting no help. Everyone is taking the situation lightly. I could have been embarrassed or worse arrested for this issue. I used an Wells Fargo ATM at the XXXX XXXX XXXX in XXXX. I withdrew {$340.00}, and was charged a {$3.00} dollar fee. this totaled XXXX. The machine distributed XXXX 4 XXXX - {$50.00} and XXXX 7 XXXX {$20.00} dollar bills. I am not a Wells Fargo customer and they are not willing to investigate, which I think is unfair. Whether or not I am a customer they put there product out there for non customers to use. Come to find out after giving one of the {$50.00} to my sister in law to make a deposit, it was fake. I can not let this issue go, I do not have money to give away, nor do I think it is fair that no one is sensitive to my issue. Counterfeit money is very serious, and I could have been arrested. I keep getting the run around stating that the atm does n't give out {$50.00} dollar bills but this day it did. I also know there is a ledger from day to day that shows the starting balance of the machine, and also the denominations that were in there. I am upset because I am being made to look like a liar, I do not need to go through all this aggravation for {$50.00} but it is mine. I also believe that if this situation goes unhand led there maybe other customers or non Wells Fargo customers who will experience the same thing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called JR BROTHERS FINANCE spoke to XXXX to ask what a charge a my credit report for {$130.00} was but all she can do is say it was mine and insult me. She asked me if that 's what I do for a living and hung up on me. All I want to know is that the charge is! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I call XXXX customer service and told them my address XXXX, TX XXXX ends at XXXX the XXXX day of XXXX PREVIOUS BALANCE Payment Receive XXXX/XXXX/2014 {$26.00}, XXXX there lease agency told I had to move out this apartment on XXXX XXXX, 2014 at XXXX. I move with XXXX and call and told XXXX customer service to disconnect XXXX account on XXXX XXXX,2014. see on this Bill Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14. Current Gas Charge Total XXXX TAX/FEE CHARGE TOTAL XXXX CURRENT CHARGES XXXX TOTAL AMOUNT DUE XXXX. Are someone at XXXX employer and employee steals and uses your personal information do fraud and put fraudulent charged on your billing account related to identity theft. I am disputing these fraudulent bills charges on my XXXX Costumer Number XXXX Customer Name XXXX, TX XXXX. Account close out XXXX XXXX, 2014. Billing Date XXXX/XXXX/14 PAST DUE AFTER XXXX/XXXX/14 XXXX, PAST DUE XXXX/XXXX/14 XXXX Final Bill PERVIOUS BALANCE XXXX these bill are like the same billing XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, Billing Date XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, billing Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14 XXXX see these attachment the XXXX bills date XXXX/XXXX/14 past due after XXXX/XXXX/14, Payment received XXXX/XXXX/2014, XXXX Current Gas Charge Total XXXX Tax/Fee Charge Total XXXX Total Amount Due XXXX, Previous Date XXXX/XXXX/14 Past Due After XXXX/XXXX/14 Pay Receive XXXX/XXXX/2014 XXXX tax XXXX = XXXX, they are not the same like Current Charges and Tax/Fee Charges Total, Total Amount Due date XXXX/XXXX/14, XXXX/XXXX/14 and date XXXX/XXXX/14 disputing fraudulent charges XXXX accounts identity theftXXXX XXXX employer and employee told me there collection agency Professional Finance Company , Inc will get the {$56.00} dollar from me are mass up, this is company 's do when you close out your account with them. they call there collection agency for more money from there customers and mass up your credit. This is not rightSincerely, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone in XXXX Arizona is using my name and she is spelling it wrong and using my social security number! She is spelling my name XXXX! I spell it XXXX! The credit bureau is spelling my name like that now! This other person has XXXX bills on my credit report! I need to have those bills on my credit report taken off and the credit bureau needs to get my name spelled right! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am behind on my mortgage payment and applied for assistance through the mortgage lender and was approved for a forbearance plan. I was also advised by my single point of contact, XXXX, to apply for HHF ( Hardest Hit Funds ) due to being unemployed, which I did ; and was approved. However, trying to reinstate my account to bring my account completely current and make full payments going forward, they have refused to cooperate because they are not participating in the HHF program through my state XXXX Arizona XXXX. I believe Freedom Mortgage would prefer me to make reduced payments in lieu of reinstating the account so they can foreclose on my home once the forbearance plan is completed. Once complete, all reduced payment amounts would become due at once, making it nearly impossible to pay in a lump sum once I regain employment, forcing my hand to apply for mortgage assistance, inevitably resulting in more fees, higher probability of default and foreclosure. I have escalated my concerns and request to management and spoke with a XXXX ( XXXX, ext XXXX ) who advised he would see if management could make an exception, but did not want me to contact the CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly requested Experian Consumer Assistance to remove a " XXXX XXXX '' who social security is quick different my my own, which is constantly hindering my credit approach to a better life. XXXX and XXXX got it right, still Experian has failed to correct the problem. See attached 8 page credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Bank of America has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought my house in XX/XX/XXXX for {$82000.00}, refinanced to lock in a fixed interest rate in XX/XX/XXXX. Was defrauded. Falsified documents filed. XXXX payment allegedly missed, but I was not notified until almost FOUR YEARS later, by then I had a lot of late fees. I did a " quick and easy loan modification, that put my home into foreclosure, even though XXXX indicated that they were ONLY moving the payment to the end of the loan. They said they were required to revert my loan back to 30 years AGAIN, even though they assured me this would not happen. Then, XXXX went under, Loan went to Countrywide and XXXX delinquent payment showed up again. Another loan modification, another 30 year term. The ONLY payments I have EVER missed are the ones I was REQUIRED to miss to qualify for the loan mod. As it stands now, I have lived in my home 17 years and owe {$4500.00} more than I did at the beginning, I have lost almost {$160000.00} in payments, AND my loan term is now 44 YEARS. 

How can this be correct? Bank of America who now owns my mortgage was just fined almost {$17.00} XXXX dollars for fraud. I am wondering WHY what they did to me does n't qualify as fraud? 

Please advise. 



XXXX XXXX XXXX XXXX, Tx. XXXXXXXXBank of American Loan : XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, XXXX Iowa Sheriff The XXXX Clerk of Court of Iowa, XXXX Assessor of Iowa, XXXX XXXX Law Firm, XXXX and Wells Fargo unlawfully foreclosed and let someone purchase my home. Also VA employees, Wells Fargo employees who were involved in deceptive practices. I used XXXX to complain through the VA and the XXXX XXXX XXXX loan center got my VA loan entitlement back after the documentation and phone calls I have provided. XXXX owes me XXXX for doing this. Wells Fargo owes me XXXX for what was owed on the house. Clerk of court of Iowa owes me XXXX. XXXX Sheriff owes me over XXXX for the merchandise they threw away when they forced me to move due to a writ of removal that should n't have happened. Would like the XXXX Sheriff to pay my moving truck costs and storage unit costs of about {$1000.00} dollars. 

Company response: Company chooses not to provide a public response
Consumer complaint: I worked for about two months but got terminated for complaining about employment and RESPA violations at First Title & Escrow , Inc. headquartered at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX with phone number ( XXXX ) XXXX. They have offices in other states but I worked in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
This company is doing about XXXX transactions a month and I highly suspect they are not compliant with RESPA regulations for kickbacks or marketing service agreements. I know that their main source of business in XXXX XXXX in XXXX, XXXX comes from a marketer, XXXX XXXX, who is the daughter of the President/Executive of XXXX XXXX XXXX, XXXX which I think maybe in violation of a mortgage kickback scheme since they can not be an affiliate of the mortgage company. 
Please investigate this company. XXXX cases a month from honest marketing efforts -- I highly doubt it. This will be very similar to the XXXX company you investigated. 
XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a inquiry on my transunion form XXXX card on XX/XX/XXXX on my credit report I XXXX XXXX did not apply for never and I would like it removed form my credit report I have written letters to transunion and XXXX card on XX/XX/XXXX an I have never got any response from either company I call them transunion tells me to call XXXX card and XXXX card tells me to call transunion neither is a help of resolving this matter or letting me no where it came from so I decided to ask yall for help resolving this matter because I am getting no where I have also attached the letters I wrote to XXXX and transunion thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: They call me and tell me when I have no money for a payment to borrow money from friends or churches. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Fact 1. Chapter.XXXX program, XX/XX/XXXX. Paid in full XX/XX/XXXX. 
2. XXXX in additional charges with no explication, XXXX. Repeated requests. 
3. XXXX XXXX XXXX XXXX XXXX said it was a mistake when they changed invoice styles and they had allot of errors to fix. That was XXXX. 
4. Since then I have not gotten a straight answer or response. 
5. I send a form letter with my payment every month, requesting a response. 
6. I currently send my payment priority mail, because they occasionally loose my payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an eviction account that was sold to a collection agency at XXXX separate times and the CA is reporting the balance due as XXXX complete separate accounts. Let me explain, I lost my job a while back and was left moving back to my moms with no income, hence the eviction. After the eviction The apartment complex had XXXX bill for the amount of {$920.00} and sold it to the Collection Agency, a few months later I 'm assuming after final court fees were assessed another bill was sent but I still was with out work and unable to pay. So at that time that bill was also sold to the same collection agency for an amount of {$1600.00} ; this balance how ever already includes the original balance due of {$920.00} plus the fees. Now the collection agency Is reporting it as XXXX separate account for a total a balance due of {$2600.00}. 

I do n't have court documents as I moved out from the apartment, I do how ever have the XXXX bills and the proof of the XXXX balances from the CA from when I requested account verification. 

I was able to catch the mistake because the XXXX account verification from the CA came with a copy of my lease and statement ledger showing the accrual fees totaling {$920.00} acknowledging the XXXX debt. 

But at the same time the CA also sent me the XXXX bill with another copy of my lease and a copy of the same statement of ledger but this time they included the XXXX page of the ledger showing the continuation of accruals from where the XXXX bill left off of at {$920.00} for a total balanced owed of {$1600.00}. Now the CA is now reporting separate accounts for an entire total of {$2600.00}. 

You could imagine why I do n't want to agree to anything as I would be agreeing to pay a portion of this debt XXXX not to mention the havoc this is doing on my credit. 

I sent all copies to the XXXX credit bureaus XXXX are n't even reporting the debt but XXXX is and its still on there after they investigated. Now I believe this is because I requested a verification of accounts and not a correction of balances and reporting. I am also assuming the CA can verify the XXXX accounts because..well..they bought XXXX accounts to show proof of. 

This is where my dilemma is ... not sure what step to take next with out making things worse for myself. I also contacted a consumer attorney briefly over the phone and of course the cost of hiring one will be more than the debt itself. Any help is greatly appreciated. 

Company response: Company chooses not to provide a public response