AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I did not have the money at the time, but do now and would like to resolve this debt 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am refinancing my mortgage. A payoff demand was sent to the current mortgage servicing company on XXXX/XXXX/16. They issued an inaccurate payoff, because when they took over servicing of this mortgage they mistakenly created the account as a daily simple interest rate loan, instead of a 30-year fully amortized mortgage. Repeated efforts to get them to correct their error and issue an accurate payoff have failed, and my refinance can not proceed without an accurate payoff. Please note : This mortgage and another mortgage on a different property closed at the same time with the same originator on identical Notes except for the principal amount and interest rate. The same firm is now servicing both mortgages, but they got XXXX wrong ( as a daily simple interest loan ) and the other XXXX right ( as a 30-year fully amortized mortgage ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear Consumer Financial Protection Bureau : I am here to file a fraudulent charge, and poor customer service claim from both " XXXX '' and Bank of America ( BOA ). On XX/XX/XXXX, I had a fraudulent charge on my bank account from XXXX in XXXX XXXX, IL. I called Bank of America that day, reporting the issue, and informed them that my debit card was compromised. In the end, a claim was put through, and it was found that the charge was fraudulent, and that I would receive credit back into my account. I officially received the credit on XX/XX/XXXX. As of XX/XX/XXXX, I received a notice in the mail from " XXXX XXXX '', saying that they disagree with the transaction, and are charging me with the same amount of the fraudulent charge. On XX/XX/XXXX. the charge will be transferred to a collection agency. 

On, XX/XX/XXXX, I called XXXX explaining the issue, and they did not listen. So, I went to Bank of America to solve the issue again. The first representative completely understood my problem, and recommended that we do a three-way call with " XXXX XXXX '' to get things in order. Once again, even with the Bank of America customer service representative explaining that XXXX is in the wrong, XXXX still refused to drop the charge. According to XXXX, they said that a grocery deliver was confirmed on the date of the charge, and that I owe them. The Bank of America representative was not happy, and decided to transfer the XXXX representative and I to the claims department of BOA. 

Once I explained my part, and the representative from XXXX explained their side, the claims department from BOA, even with the obvious evidence that XXXX is in the wrong, AGREED with XXXX, and said that I owe XXXX their money. 

To this date, XX/XX/XXXX, XXXX has sent me fraudulent evidence over an e-mail, listing the charges and the grocery bill. Yet, under the policy that XXXX has established, there needs to be evidence, when the delivery is made, that a signature from the consumer is provided to confirm the delivery. In the paperwork they sent me, my signature is NOT on the evidence. Needless to say, this is wrong, and this is financial abuse. Please let me know as soon as possible if anyone can help me. This is a very unusual situation, and like most consumers I ca n't afford to have a disruption in my finances. Please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I signed up for the US Airways credit card with the promise of a XXXX bonus miles and {$99.00} companion ticket. I did not receive either of these benefits. The card was combined into the XXXX card early in 2015. I was told when Us Airways merged with American those benefits ceased. However the promotion was during the merger process that it was offered. I was not told that it would go away. I was charged 2 yearly fees and I have not been able to get a refund. I have since canceled the card. I feeI that I am at least due a refund for the yearly fee. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Hi, I had a hard inquiry on my credit report from a third party ( XXXX ) who according to them was making the inquiry on behalf of my student loan company ( XXXX XXXX XXXX XXXX ). I do n't even think I have a loan with this company unless they go by another name, but I have not defaulted or paid late at any point and they never notified me about reasons to check my credit report. Around the same time I was looking for apartments and my credit score went down due to the hard inquiries from the student loan and my landlord. Is the student loan company allowed to do this for no reason and without notification? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i believe under the federal act and amendment that if the original creditor is not filing the compliant with bureau why is the collector not providing enough information to collect the debt or validation of debt it should be remove from bureau until further notice looking for sign contract or terms of agreement collection make frivolous attempt to collect debt as per credit bureau account number XXXX scs collector, XXXX XXXX if debt was transfer debtor should be remove duplicate debt for same entity whom is the original debt collector need original terms or agreement to support the claim making the scores drop and poor judgement, on amounts how can the make cliam i was never notify of debt or collection identity theft 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Central Credit Services LLC who works for XXXX XXXX constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to XXXX XXXX when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to XXXX XXXX and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XXXX of 2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I get a call every single day, sometimes multiple times a day, from a company called RPM ( Receivable Performance Management ). The number is usually from the XXXX area code. The latest was XXXX XXXX XXXX XXXX. 

I only know who they are because I looked up the number. If I do n't answer, I get a voicemail of a recording that says " This is a call from a debt collector. Please call XXXX ''. If I DO answer, I only get silence. At no point can I ever talk to anyone and tell them to stop calling me. 

I have no accounts in collection. I routinely check my credit reports. I just want this company to stop calling me. I refuse to call their XXXX number just because they use robocalling with no one on the other end to talk. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank has changed the terms applicable to it 's XXXX XXXX credit card, after the payment of the annual fee. The application specifically states that the holder receive a XXXX night 's stay free for each award night booked, and the compensation for such is the payment of the annual fee. 
Now, the Bank purports it can adjust the terms of it 's contractual obligation after the annual fee had been paid. 
Reference is made to the following advertisement for the credit card which clearly states the benefits are in return for payment of the {$75.00} fee. The only proper resolution is to continue to provide the benefits until the card anniversary. A refund of the fee is unacceptable as the contractual obligation of the Cardholder has been met. CFPB should require specific performance, as the value of the XXXX free night far exceeds the annual fee. The Bank does not have the protection of XXXX v. XXXX as it is not an airline and can not make at-will changes to the program after payment of the annual fee. 
XXXX referral=commissionjunction 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name in the credits report is wrong in the trans union report my correct name is XXXX XXXX and in the report say XXXX isnt XXXX its XXXX XXXX XXXX may fix the problem please because this has cause that i cant see my credit scores thanks 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX Zinco Collection Agency . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX. I stated I never had such card and advised him he was mistaken. After @ 27 mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a XXXX # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a XXXX XXXX. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XX/XX/XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XX/XX/XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX BANKRUTCY IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was contacted by a company XXXX XXXX XXXX on a payday loan. They said I had committed a crime and would be put in jail if I did n't immediately provide them with money. They said it was a misdemeanor offense and that I would be put in jail if I did n't pay. I had my attorney contact them and they refused to provide any contact info to him. They also call my father and my work and said I owed a debt. The called repeatedly, and when I said I would set up a payment plan they said I was going to jail unless I paid today. 

The only info I have on this company is they call themselves XXXX XXXX and their phone number is XXXX XXXX XXXX they gave me a case number of co XXXX and I was to contact XXXX XXXX at ext. XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Lender is foreclosing on my home XXXX/XXXX/16. I have not received notices until XXXX/XXXX/16 as I was living with a friend temporarily and notices were not forwarded -- for over 6 months. Post office registered my new address, but documents did not reach me. They are now going to send me a modification pkg, but need 37 BUSINESS DAYS to review it, yet foreclosure is in less than 30 days! I need foreclosure delayed, postponed or canceled so I can complete required paperwork on their end. The lender told me their ATTORNEY was the one to contact to postpone foreclosure, and the ATTORNEY told me the LENDER has to be the one to postpone foreclosure. Please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The federal tax lien in amount of {$110000.00} dated XXXX/XXXX/XXXX, need to be removed from Trans union, due to statue of limitation for 10 years from XXXX/XXXX/XXXX when the substitute tax return was prepared XXXX. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have spoken with NFCU before as well as made a CFPB complaint on them for reporting the same credit card multiple times to the credit reporting agencies. They agreed to remove the duplicate accounts showing incorrect balances yet when I pulled my XXXX report on XXXX/XXXX/15 they have not done so per XXXX. They are inaccurately reporting a balance of {$7100.00} AND reporting the accurate balance I have been paying on. They need to remove this duplicate from my XXXX report immediately because it is detrimental to my credit score. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Have n't heard anything from them to make payment arragements or anything.I would like to work out something to have it taken off my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX I received the attached letter from " FORD : Security Operations ; XXXX XXXX S.D. ( believed to be XXXX XXXX ). The letter is very disturbing threating reinstatement of an unpaid account & financial delinquency reporting to Credit Agencies. The report is specious and unsubstantiated. The Ford Service Credit Card : XXXX never solicited by me. Unknown to me the credit line was initiated in XX/XX/XXXX & paid in full that year. In XX/XX/XXXX a hard copy credit card was received in the mail. Upon receipt & investigation the account was cancel with a balance of XXXX ( XXXX ). The plastic card was destroyed. On XXXX XXXX XXXX the issuing bank was called : In summary their transcribed report stated : " Account close with XXXX balance '' 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing regarding this agencies illegal collection practices. UCB is practicing completely illegal collection practices. I have a voicemail that was left on a family members voicemail that stated, " if the person was not " my name '' to hang up if not continue to hold. There is a full recorded message that I have from a family member ; that 's completely illegal stating information regarding a collection debt.The message also proceeded to leave they are a debt collector collecting on a collection/delinquent account. I have never received anything or heard of this company. As a collection agency should n't information be verified prior to speaking to anyone or leaving a full voicemail regarding the call. 

Company response: Company chooses not to provide a public response
Consumer complaint: My roommate received a pre-approved notice from Barclay Bank for a credit card. We have the same address AND he is an authorized user on my current Barclay Bank Delaware credit card. 

He submitted the application, however, they claim the letter was meant for me and they used my SS # to pull the credit report. 

He contacted them and they explained the reason it was n't approved ( no big deal ) was his name did n't match my SS #. 

He was provided with a ref # XXXX so that I could call and have the inquiry removed from my credit bureau since this was obviously an error on their part. 

I called and got nowhere. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our XXXX 2016 payment was made, but not applied to our account. This resulted in a late fee for XX/XX/XXXX, late fee for XX/XX/XXXX, and a derogatory mark on our credit. I contacted Loancare by phone, and they told me to provide proof of payment via email. I did this one week ago, on XXXX XXXX, and they never responded. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Synchrony Bank has been non-responsive and lied to me about the status of my billing disputes. They sent me a letter that is dated XXXX XXXX, XXXX stating my account will be credited {$3700.00}, but these credits never posted to my account. Also, this is not the full amount under dispute, which is {$7000.00} for XXXX transactions. I called on XX/XX/XXXX and XX/XX/XXXX. Each time they confirmed the dispute ( s ) were resolved in my favor, the correct amount of {$7000.00}, and these credits will be applied to my account, which never happened. I called on XX/XX/XXXX and was informed there are no credits pending and there is no record of this letter I received on XXXX XXXX. They requested me to fax the letter to them, which I did with a cover letter and have not received a response. 
Previous history : The first letter I sent was on XXXX XXXX, XXXX regarding disputing transactions from XXXX to XXXX. Synchrony acknowledged receipt of my letter on XXXX XXXX. I called in XXXX and was informed I 'll receive resolution letter within 30 days. I received nothing, so sent a second letter on XXXX XXXX, XXXX. Once again, I received written acknowledgement on XXXX XXXX, same generic response as XXXX XXXX. Then my next communication was the XXXX XXXX letter. None of this is following the dispute process outlined under federal law. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My son has a student loan through CITI. We cosigned loans with him. After struggling to make payments he worked out a solution with CITI and has been making the agreed to payments. The lat payment was XX/XX/XXXX. Currently, there is no delinquency on this agreed to schedule. 
XXXX XXXX XXXX alleges to be a collection firm for CITI and is trying to collect on the debt that our son is already paying. In effect they are trying to collect twice on the same debt. We are not a party to the agreement between CITI and our son. Further, I suspect that XXXX XXXX XXXX is merely a reorganization of a company that has been listed on the FTC site as no longer able to operate as a debt collection service. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. 
Citibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Saturday XXXX XXXX, XXXX, my wife called Wells Fargo, our mortgage lender to stop an automatic payment scheduled to process on XXXX XXXX, XXXX. The reason for our request was because my wife gave birth to our XXXX child in XX/XX/XXXX, and she 's had some difficulty with her XXXX disbursements. In order to ensure access to funds so that we could care for our XXXX children, my wife contacted Wells Fargo. The representative did not tell my wife there was a possibility the payment would process as initially scheduled, but instead confirmed the request was processed and told my wife to call back at a later date to schedule the XXXX XXXX payment. Therefore, we did not make any alternative arrangements. 
Unbeknownst to us, without our authorization, and contrary to Wells Fargo 's XXXX XXXX, XXXX, verbal confirmation, the payment posted on XXXX XXXX, XXXX, resulting in our overdrawn deposit account, with no access to funds until Wells Fargo 's reversal is applied to our account ( 2-3 business days ). In addition to the reversal, XXXX, a supervisor I spoke with on XXXX XXXX, XXXX, indicated they would reimburse any transaction fees assessed due to their failure to disclose that the payment could still process. I requested compensation for the inconvenience, and I later realized that I used the incorrect term, as I now contend that Wells Fargo processed an unauthorized transaction after my wife requested to stop the ACH scheduled to process on XXXX XXXX, XXXX. Wells Fargo did not request any documentation from us, and as stated above, did not inform us there was no guarantee the transaction would not process. 
One other concern I have regarding this matter is the actual date that Wells Fargo initiated the ACH. According to their explanation, electronic transfers and ACHs take between 2-3 business days to post. If the ACH was initiated on XXXX XXXX, XXXX, how did the payment clear on XXXX XXXX, XXXX? This leads me to believe that the ACH process began on Monday, XXXX XXXX rather than XXXX XXXX, XXXX. 

Company response: Company chooses not to provide a public response