AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In 2011 XXXX investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of National Fuel to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from National Fuel to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for National Fuel.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX XXXX found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cant get an annual report I was told alredy recieved one when I have XXXX applied for one this first time. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( 9 years ) I feel that all XXXX XXXX, XXXX and Experian bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again. 

Company response: Company chooses not to provide a public response
Consumer complaint: ideal collection stepped in trying to collect a debt in an inproper matter and not and threatened to take legal action as if it were a suit. when im in a suit with XXXX as the defendant and em as a plaintiff for funds thats owed to me and slander on a contract leased and not delivering agreement back like should. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: They refuse to send me my credit report online or via email. Called with no resolution, unable to obtain free annual credit report as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has sent the same letter 2 times to all credit agencies to inform them to take the mortgage off my credit as derogatory. The first letter was sent in XXXX and the second was sent in XXXX. XXXX is the only one that has done this. The others have not and it is hindering us getting another home loan. It has been well over the 90 days they say it can take to fix this. We are now approaching 180 days. XXXX the amount of time they say it could take.ni am fed up with this and want this fixed NOW!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Last XXXX I bought a merchandise on line it came defective, I tried to look a viable solution with the seller we could n't find. I contacted Shell Master card to initiate a disputed for the amount of {$94.00} I sent Shell Master Card proper documentation. Theydenied me assistance saying : '' The Merchant is willing to work with you '' and '' based on a review of the circumstances surrounding the charge we have noresource to recover the funds ''. I believe Shell MasterCard is unwilling torepresent me with the merchant, for the defective merchandise I received. 
Also I have to mention the Merchant does n't have the merchandise to exchangeit. I 'm attaching documentation on regards. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently, an agent of Regions bank solicited me for a Home Equity Loan he knew from previous contact I might be interested in. Months ago a deal fell apart because of the upfront money Regions required of me. I was n't willing to use all my savings to get the loan. In XX/XX/XXXX when he called I told this agent that XX/XX/XXXX my mortgage would be under XXXX and at that time I would try again with Regions and other institutions. XX/XX/XXXX he called saying Regions had a great deal I would qualify for. The deal was not a good XXXX considering the market rate at the time was a whole point or more lower than what he was telling me was a good deal. He knew already how fabulous my credit score was ; Regions ran it again, and it was XXXX, I have no other debts, other than this mortgage. Now I ask you, why would that bank try to excite me about a rate of 4.25 & possibly getting it as low as 4 % for me, when they had to know home equity rates were around 2.75. Yes, I am a XXXX American woman, why am I not offered the best available when I more than qualify. My current home loan rate is 5.875, which when acquired in XX/XX/XXXX was a good/best rate at that time. I 'm looking for a better rate to continue my attempt to pay off the property in less than XXXX years, which is why a re-finance is not in my interest because of the XXXX of dollars added in that process. 

Company response: Company chooses not to provide a public response
Consumer complaint: Almost 5 months ago I applied for a mortgage refinance with Amerisave. Despite the fact that my wife and I have excellent credit and income well above average, and also despite the fact that our house is in a very desirable area of XXXX NJ, the loan still has not been closed. I have been told verbally over the phone that I have been approved and that the closing will be scheduled soon but I am repeatedly asked to supply " just one more thing before we can close ''. I have asked to speak to a manager several times and the people I am dealing with have refused to give me the contact information for a manager. What has been happening over the past few months is that I have had to send and resend documents. They asked for a bunch of documents ( which is expected ) but then would later request them again, saying they lost the fax or in one case " my signature was n't dark enough ''. The document with the supposed signature problem was to request my tax returns from the IRS and that happened months ago. There were also some repairs ( adding a missing handrail and such ) that I needed to address and have done so. Now that the repairs are complete I am being told they found something on my tax returns ( this is months later ) and they need me to fax my original tax returns or they ca n't close the loan. I did a little checking and what I realized is that the interest rates have gone up and what I believe is that they keep stalling hoping that my rate lock will expire or that I will get so frustrated that I just go somewhere else. A friend recommended the CFPB. All I am hoping for is that someone contact Amerisave and verify that I am not being scammed and maybe motivate them to close the loan and honor the rate I have locked. Please note that ( after the fact ) I read some reviews on websites and have found that I am not the only person to have this problem with Amerisave. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sold per Wells Fargo a fraudulent loan, what was supposed to be a XXXX FHA loan turned out to be a reverse foreclosure loan which requires adifferent set of documents and applications. 

My loan was a violation of federal regulations and with illegal overcharges. 
The sellers were at the closing and received a check for the purchase. 
I was blinded with this being my XXXX home purchase. This is a deplorable acttowards a senior citizen with this being a XXXX and over community. I haveworked long and hard for over XXXX long years as a XXXX and now in myretirement time I find myself homeless. 

Wells Fargo has been unsympathetic regarding this matter. I have beenphysically ill and hospitalized over this matter. My siblings and I were taught topay our bills and follow the law, but what I have found is an unjust sentence inmy golden years. My life is at a standstill and I find myself aborted back to XXXXyears ago when I was capable of working XXXX hour shifts, This has become aliving nightmare. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX my {$550.00} bill from the XXXX XXXX for services XX/XX/XXXX was sent to PSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was unable to get an itemized bill from XXXX or the collection agency regarding what I was seen as owing. My numerous calls to XXXX and PSB as well as facsimile data was ignored. XXXX says XXXX paid {$530.00} while PSB notes XXXX paid XXXX as sent to them by XXXX. Neither XXXX nor XXXX will talk to me to reconcile this big difference. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I 'm filing a complaint because of the lack of help and correspondences with Wells Fargo with regards to the Estate of XXXX XXXX XXXX in an effort to submit foreclosure alternative paperwork including but not limited to the completion of a possible short sale of her property in an effort to satisfy her loan obligation. Every time I send the requested documents such as her Death Certificate they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to multiple different credit report websites trying to obtain my credit report for the first time. All sites would take me through the entire process just to get to a series of questions where I am asked, " How much is you monthly mortgage payment? '' Being that I 'm XXXX years old and just now starting to build my credit you can trust me when I say I have no mortgages. So after I click that I in fact do n't have a mortgage, the websites all tell me my report is unobtainable. I tried contacting Experian Credit Bureau by phone and could not get in touch with a real person, nor would the prompts lead me in a productive direction, which leads a very frustrated me to you. If you can help in any way it would be much appreciated. 
Thank you. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Up until recently ( XX/XX/2015 ) I was a member of the Experian bureau 's online credit tracking. For the past 3 years, I used the site as a measure to help work on my credit. When I first started, based on the credit tracker, my credit score was XXXX. This site provided a great resource in showing what accounts were negative or what kept my credit score low. As I began to work on my credit, based on the report provided by Experian 's online credit tracking, I started to see improvements in the score it provided. Now 3 years later ( XX/XX/2015 ), based on the site, I have a credit score of XXXX. I felt comfortable with the progress I made and used the information ( Credit Score ) the site provided to determine whether or not to apply for loans and credit cards. I recently applied for a Small Business line of credit with XXXX XXXX. Unfortunately, I was denied due to my credit score. Once I heard the news I was shocked. Then I received the letter from XXXX XXXX saying that my credit score reported from Experian was a XXXX! In disbelief, I checked to see what my score was around the time XXXX XXXX pulled my report. XXXX XXXX pulled my report on XX/XX/2015. I did n't pull my report on XX/XX/2015. But I did pull it on XX/XX/2015 and again on XX/XX/2015. On both dates, my score as reported by Experian was XXXX. I would like Experian investigated for providing false information or for misrepresenting their online service. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XX/XX/XXXX I settled an credit card account with XXXX XXXX XXXX. The debt was cancelled, a XXXX was issued and the information removed from the credit report. Additionally, it is well past any timeframes to be listed on any credit report and is outside the statute of limitations. However, as of XX/XX/XXXX XXXX XXXX XXXX re-listed the account on 2 credit bureaus - XXXX and Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used XXXX to apply for a Citi credit card. After being approved for an amount, it gave me the option to perform a balance transfer and add an account. I added my XXXX account number and hit submit. Then it said I was idle and logged me out. I do n't know if my mastercard information is safe. I did not get any confirmation email from lendingtree or Citi. Almost seems like a phishing scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: On various occasions i have overdraft my personal bank account. My pay day falls on every other saturday. As per bank policy i understand overdraft fees will be assessed. On my payday i have received text message from the bank advising me of available balance with the overdraft fees already being subtracted. On monday morning when i got to check my bank account i have been charged with extended overdraft fees. This is a glitch in the banking system but it has been costing me and no one can seem to help me i have called the bank customer service and have gone to the bank and no one wants to reverse the fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bought a car in XXXX 2015 and financing was accepted and processed by Westlake Financial Services in California. After 4 months I found out that the account has not been presented to any of the credit bureaus. I inquired with the company as to why my account has not been reported and was told there is a discrepancy with my social security number and name and that the company was unable to report the account. I have other accounts that are being reported to the credit bureaus with no problems or discrepancies and simply want this account reported properly. The dealership has sent the company copies numerous times of my ID 's to include my drivers license, social security card as well as military ID, the paperwork submitted by the dealership was typed. I have not been notified of such discrepancy and the company has refused to discuss the details of the supposed discrepancy. The company supervisors have hung up on me, placed me on hold for over 45 minutes then disconnected me and no one will answer any questions regarding this problem. I simply want it reported to the credit bureaus as it should be. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2015, my partner lost his job, his sister died at the age of XXXX and a XXXX on me. In the midst of all this going on we had a few returned checks at the XXXX. They were placed with Meade and Associates in XXXX Ohio. I spoke to a lady named XXXX who said that I could pay the checks off a few at a time and she would work with me. On XXXX XXXX, 2015 I receive a call at work from XXXX a collector at Meade and Associates. He said he was turning them over to the courts of XXXX County and wanted to give me the opportunity to make them right. I said I could pay half of the balance in XXXX payments and he said no. He said that if I did not give him a debit card number to hold or debit card number he would turn them over to the court house. There website stated that they work with people. I said that I would call him back with the information on the card. I work as a XXXX and I thought, try and work it out. I called back and asked for a supervisor. I spoke to a gentleman and explained the situation. The man said " let me put you on hold and see what I can do and get approval ''. I was on hold and voice audex came on and said now being transferred. XXXX who originally called me picked up and began yelling at me and then screaming at me saying what do n't you understand etc. I ended up giving him my debit card number and said this will be my car payment plus other bills, he said ok I will turn them over to the XXXX County Prosecutors office then. I have spoken with the prosecutors office and the lady was nice, she said they do n't need to use their office to bully people. I ended up researching Meade and Associates and their are numerous complaints. I own the debt will right the wrong but do n't scream at me at work and threaten me. This XXXX has done this to other consumers and I would like to know why he is still employed there. My understanding is the Ohio Attorney General has been contacted before but nothing done. Why? Can all these consumers placed in collections be wrong? XXXX XXXX is by far collecting in a thug like mentality and it is not ok. I plan on contacting the XXXX County Prosecutors Office again in a written letter form and advise them that this individual needs to stop using their office as his own personal collection tool. Meade and Associates are located at XXXX XXXX XXXX XXXX Ohio, again if you research you will see that I am not the only one who has been screamed at threatened. They say they record the conversations but lets be real, they can record portions of what they want to be heard. All of these people that I have researched are not going to have the same story. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit card from XXXX ( Account number XXXX XXXX XXXX XXXX ) was stolen in XXXX 2011 and reported to the police. I have the police report. I have contacted XXXX and submitted several documents, including the police report and statements from me and my wife, and they have refused to delete the negative information from their records and from Experian. XXXX XXXX and XXXX deleted the information, but Experian will not delete it without XXXX " signing off '' on it. Please help! I 've been trying to get this straightened out for over a year now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a military member of navy federal credit union. I was looking for a part time job, and was contacted via email on a at home job offer. I was mailed a check for suppliessupplies I deposited the check in my account at the local navy federal, and was given the direction to send a XXXX to the supplier. Not realizing it was a scam due to my hopefulness and being excited about bringing in some extra cash. Once I realized that it may have been a scam I contacted navy federal. They informede there was nothing they could do till the checked cleared as fraudulent. So security locked my account, and told me to come back in a week and they would see what they could do. A week goes by and my account goes - {$2800.00}. The check was indeed fraudulent. I went to the bank and asked if I could make some type of payment arrangement because I could not afford paying that amount back. They told me no, I 'm responsible for the charges and there is nothing they can do to help. I spoke with a XXXX XXXX bank and they said navy federal should have been able to tell the check was fraud before they allowed me to cash it. And I specifically remember the bank teller being unsure of the check and asking her supervisor about it but the supervisor said it was fine. I understand my mishap, but navy federal bank tellers are horribly trained to look for these fraud checks. So now I am behind on all my bills on my navy federal account which includes my car loan personal loans and credit card and line of credit. I was already financially struggling, now I 'm in a black hole. Navy federal will not do anything to help me. Now with no money because I did not receive my last check because it went to the negative balance, no money for next check, behind in all my bills including rent with no help from anyone. How is it that navy federal has no protection for there military members and families. How is it that the people that serve your country can end up homeless and hungry, and in even more debt because of a scam, and their bank not care. I understand my fault, but being in the military I forgot about the scumbags in the world that prey on innocent people looking for a better chance in life. 

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