AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Account that should be closed, but is reported as open in my XXXX report, in error : XXXX XXXX. 
StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXAccounts that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXDP of Educatoin XXXX Due $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXAll these loans above are part of the DEPT OF ED/XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : DEPT OF ED/XXXX StudentXX/XX/XXXXOpen - CurrentNo Missed Payments {$45000.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: The company has contacted my employer a total of XXXX times in the past 2 weeks. The company has NOT attempted to contact me at my personal residence or personal phone number. The company was alerted that he is calling a place of business and he should reach out via personal cellphone. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I found this company reporting to the credit bureaus that I am in collections on an account. Subsequently, I sent them a letter via certified mail to the address on my credit report same as on the XXXX website but it was returned undeliverable. Thinking this was an error, I re-sent the same letter again double checking the address. Unfortunately, based on me checking the USPS website for delivery confirmation the letter has still not been signed for and appears it is on its way back to me again. It seems that they are rejecting certified mail. It is unfair of them to report things on a persons credit report and then refuse to communicate via mail concerning the debt and how the error can be resolved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I previously filed a complaint against PennyMac Mortgage ( Case number : XXXX ) that was never resolved by the cfpb. The complaint then and now, is that the lender is taking advantage of consumers who enroll in the PennyMac Autopay Biweekly payment program and unfairly NOT reducing the principle balance of mortgages when the biweekly payment is received. The attached payment history clearly shows that biweekly payments are received, but the principle balance is not reduced at all until the end of the month. Meaning that consumers are unfairly paying interest on the incorrect 'higher ' principle balance for those couple weeks each month. PennyMac continues to refuse to apply the principle portion of the biweekly payments to the principle balance when it is actually received. The whole reason for enrolling in the biweekly payment program is to pay off the mortgage early and reduce interest payments over the life of the loan. This practice of NOT applying the principle portion of the bi-weekly payment 'as soon as it 's received ' and waiting until the end of the month, is unfair predatory deceiving and not understood by most consumers. The impact of this practice over the life of a 30 year mortgage is substantial and to the benefit of the lender not the consumer. While PennyMac may have disclosed this practice in fine print somewhere, most if not all consumers do not understand the negative impacts of this practice. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt was settled and paid in full to a different firm. XXXX XXXX XXXX XXXX is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within XXXX days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a check written out to me from an account holder of the Bank of America. I went to the XXXX Va branch. I was informed I would have to wait until the line for account holders was empty. As this was an improbability on a Friday afternoon. I asked for the bank manager. I stated it might be tomorrow before that happened, she said that was the policy. Also the fee of XXXX dollars to cash a check works out to be XXXX dollars an hour based on the time it took to cash the check I had. This seems exorbitant as the employees at the bank are there if I come in to cash a check or not! Also I was told by a company Rep that she would investigate and get back to me, it have been well over a week and no response! 

Company response: Company chooses not to provide a public response
Consumer complaint: National Enterprise Systems has called me no less than XXXX times, and left XXXX messages identifying themselves as debt collectors, about a debt they want to collect from my brother. Half the calls and messages came after I talked with them and notified them that I am not my brother. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I opened a Sun Trust bank account in 2011 while attending college at University XXXX XXXX Florida. They activated my student ID as my debit card when I opened the account. I got my school refund to the account, and had been using my student id card to access the account. The banker who opened my account put the wrong mailing address for the account, they mailed a debit card, and pin number to the incorrect address. A couple weeks after opening the account, the debit card they sent drained the account of all funds. I filed a police report when i found the account was empty. The police report was closed, without finding out who stole my money. Then SunTrust instead of refunding my money, closed my account, and told me I Must of committed the fraud on my own account. Not only did they imporperly close my account, they added me to a credit reporting company called XXXX, They have placed information on my XXXX file stating that I attempted to defraud the bank, which prevents me from opening a bank account anywhere. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Macy 's credit card. 
Back in XXXX, I had called their agents to set up the automatic payment. I was told that my request has been taken care of. But later in XXXX, I received a non payment notice. Upon receival of the notice, I contacted the bank for more information and learnt that there is no auto payment set up on my account. They were happy to remove the late fee but are not ready to correct my credit bureau reporting. I reached them out repeatedly through various channels but they are not accepting my request. As a consumer, I do not have any documentation of the call and detail of what was discussed in the call, but I was informed on XXXX that if a payment is made after auto pay setup, auto pay set up gets cancelled, ( I was not informed about this back in XXXX ). 
I have also not received any statement after XX/XX/XXXXXX/XX/XXXX which might have told me about the amount I owe and is not paid. Macy 's also did not send any such alert as well that would have helped me as a reminder of a non payment or auto pay getting cancelled/non setup. 

I have no way to prove that I have requested any such service because this issue never happened with any other banks that have auto payment set up option. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed a debt from Credit Protection on my credit report from XXXX XXXX. Thats odd becasue I 've had XXXX XXXX since 2006. I also noticed an account transfer from an apartment to another apartment, thats also odd considering I have been buying my home since 2006. I never gave anyone permission to request services from XXXX XXXX, which will open an account to anything or anyone under the sun without asking for proper ID. Now a collection account is showing for an account I never opened. 

Company response: Company chooses not to provide a public response
Consumer complaint: I saw an article that said, " apply now by phone '' for a XXXX " XXXX XXXX ''. I spoke to a XXXX Representative '' and gave her all the information she required to apply for a new XXXX XXXX XXXX. After a short period of time, she stated that she could not approve my request at this time. She should they would review my apllication and send me a written response. After about two weeks, I received the written response. It stated that my request for a new XXXX XXXX XXXX was denied. The written response stated that I was denied for XXXX reasons, based on information provided to them by TRANS UNION, a credit reporting agency. All of the reasons were not true for my personal credit information. TRANS UNION stated the following : ( 1 ) - '' High number of credit cards recently opened ''. This was totally not true., I have only XXXX credit cards, both of which are not new and have never had a late payment. ( 2 ) - " High utilization on XXXX or more retail/store accounts ''. I do not nor have I ever had a retail/store account. Other statements they used were also totally false. I was told by the representative, for the XXXX XXXX XXXX, that TRANS UNION was their primary source for my XXXX XXXX XXXX request denial. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ... 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I applied for a credit card, The representative told me, that the reason they decline me was too many inquiry 's on my XXXX which for 2015 only had XXXX, The representative told me on the phone that they only pulled XXXX inquiry, I told her that you also pulled a XXXX credit report, and she told me they did not pull XXXX credit report, only XXXX credit report, I told her i can look on experian with a confimation that i have with them, and it shows they pulled a credit report XXXX/XXXX/2015, If the representative can lie on the telephone to me, I can see why i did not get approve, Because i have great credit!!! High Limits!!! Good Income!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX liens showing up with XXXX which only list XXXX Release of tax lien XXXX {$23000.00} and TransUnion XXXX same {$23000.00} different doc numbers and TransUnion also list XXXX $ XXXXThese were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business. 

Company response: Company chooses not to provide a public response
Consumer complaint: my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!! 

Company response: Company chooses not to provide a public response
Consumer complaint: OCWEN mortgage servicing company ( XXXX ) has been calling for over a year. I have never had a mortgage with anyone. Explained each time that the person they are looking for is not at this number, that I am not the debtor they are looking for and requested each time to have my number removed from their system. Have called their " support '' number and requested my number be removed. They continue to call daily, sometimes XXXX daily. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This is not even my name. I have no idea what this is or anything. The collection agency has never contacted me by any means I only came to know about the debt from checking my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a loan of {$3100.00} from Loan Me. Everything was fully explained to me and the loan was funded on XXXX XXXX. I later that day called Loan Me customer service. I just wanted to receive my account number. I was told that they wanted to give me a welcome call for being a new customer. I informed the customer service person I was in a hurry and just wanted my new Loan Me account number so I could electronically submit my own loan payments. I was told they needed to re verify all of my personal information first to validate it was indeed me calling. I was good with all questions asked until they asked me to say out loud my whole social security number. My other financial institutions never ask over the phone my entire social security number but instead ask for the last XXXX digits. I believe this practice of asking some one to repeat their entire social security number over the phone is in violation of my rights as a consumer and can lead to identy theft. I provided my entire number online with their application which I have no problem with. They could easily verify my identity using the last XXXX digits of my social security number or another validating security question. The person I spoke with after I was validated as the borrower proceeded to tell me they would not give me my account number until I listened to their welcome call monologue. I reapedately asked just for my account number to no avail. I asked to speak to a supervisor and was placed on hold and then disconnected. I called back to receive the same validating questions and again was asked to say my entire phone number. This time the person did provide my account number when I asked but also proceeded to insist I listen to their new customer welcome call. I reluctely listen to what was Loan me ' s welcome call for me being a new member. This welcome call is nothing to do with verifying the borrower but has everything to do with loan me ' s attempt to get my permission to be contacted at work. Please have them stop the practice of having to repeat my entire social security number over the phone. Thank you. 
Respectfully, XXXX XXXX XXXX XXXX XXXX # XXXX, CA XXXXXXXXXXXX XXXX of SS # XXXXMore than enough validation provided. 

You may publish everything but my personal information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. 

This account should be removed from all credit reports immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX sold my info to a XXXX party integreated recovery services out of new york. I tried giving them the money I owed but they put my credit card info through wrong. Now they are contacting my ex-husband and telling him that the sheriff will be coming to our door unless this is settled. In the initial contact they threatened me with having someone serve me papers at my work location and that I would have to pay {$2000.00} in attorneys fees plus the {$700.00} that I owed and be charged with criminal offenses. They continue calling my ex-husbands cell phone and harrassing him on a daily basis. I have never gotten a written letter from them except an email after I told them I would not pay until I got written confirmation. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I inquired specifically regarding the ability of the Citi Double Cash credit card, with regard to their ability to separate out charges for the multiple users of this card. I was told on XXXX ( XXXX ) separate occasions that this could be done. Upon receipt of my XXXX bill all of the charges were lumped together. I contacted their customer service and they said there was no way they could separate out the charges. This was totally misleading and I went through a long and arduous process to move our accounts over to this bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds. 
I spoke to both a customer rep on the phone and the branch and still no resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was notified of negative activitiy in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, XXXX and TransUnion " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late payments report. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureas that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a XXXX balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintained. Thanks for your support in this endeavor. 

Company response: Company chooses not to provide a public response