AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been working with a client beginning back in XX/XX/XXXX. He was finally approved a trial loan mod in XX/XX/XXXX. The first pymnt wld be due on XX/XX/XXXX - XX/XX/XXXX. His new payment wld be {$500.00} down frm {$650.00} originally. XXXX XXXX is XXXX and only has XXXX XXXX for income. The same month he was given the trial mod ; he got hit with a child support garnishment from XXXX and they garnished {$360.00} from his XXXX of {$970.00} leaving him with only {$610.00} to live on. There was no way he could make the {$500.00} payment at this point ; so he turned down the offer. XXXX XXXX appealed to XXXX and they reduced the garnishment down to {$75.00} a month. By the time this appeal was completed and the garnishment was taken care of it was too late to appeal and ask them to go ahead with the original loan mod. So they made us reapply and subsequently they turned him down stating he did not have sufficient income to make the original trial payment that was offered to him. There was only a {$75.00} difference in the income once the child support issue was taken care of from the original income submitted for the loan mod request. They denied him XXXX additional times, stating he did n't have enough income to qualify then said the final time nothing had changed since the prior denial so they would not look at him for a second change Hamp Tier II ... This situation was totally out of his control and he was blind-sided by the child support. If thy could approve him once for {$500.00} why can they not offer it to him again. The {$75.00} difference would not have kept him making this payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a minor. Years ago, I signed up for a gym membership, without knowing all my options. The Gym is called XXXX XXXX. I quickly realized that I did not need a full year contract. After using the gym for no more than XXXX months, I proceeded to cancel it. Being given different information by different reps over at XXXX XXXX, they prolonged the process, telling e to wait months. And each month came and they would give me another excuse. They asked for proof of me being a minor and then told me that it was n't enough. After months of a wild goose chase, I called my parent 's credit card company. They told me to not worry about it. I told them about the whole situation and how saw that others on the internet have also complained. They stop the charges and filed a complaint with the XXXX. We never heard about my membership since. All the online reviews seem to point toward exploitation of minors. 
Now, within the last few days, First Credit Service have been nonstop calling my parents about this. Due to my parent 's XXXX, the rep asked for " authorization '' to speak to me, the minor. I called them and asked about it. The numbers do n't add up to my original plan. They stated that it was for XXXX months. This added up to XXXX dollars. I told them information about which they seem to have no idea about the situation. They say that I need to file a dispute about a balance that I thought stopped. They asked me questions about my family. It seemed like they were just trying to collect information. They seem to exploit fears I told them about thing becoming litigious. Also, a bad credit score. I 'm turning XXXX. And they told me that they were on my side. " call me a friend, '' they said. That 's when I realize how similar it was to a cliche scene of good cop, bad cop. It was a very manipulative conversation. Although they said stuff, a lot of stuff sounded open ended. They also told me that my dispute will take months and that it was not likely to go through. I asked about how it was going to be investigated. They told me that they will decide and I was baffled. It 's like saying that the procedure is for me to say what happened, then they say what happened, and then they decide who is right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was applying for civil service job I found a judgement on my credit report going back from XXXX from XXXX XXXX XXXX. There is outstanding balance of XXXX. Never was I contacted about the debt. According to XXXX I was served by private processor from a debt I opened XXXX. That is impossible because my first credit card I had was XXXX. 

I contacted XXXX about the debt, I asked for official validation. All the where able to give me was a copy of judgement. 
I requested statements sent by XXXX or the original creditor. They could not provide the information. 

I asked for the name of the person who served the summons. 
Full name of the person who signed for the summon. 
A copy of the delivery notice showing the signature date and time. 
I asked several times and they refuse to send any information. 

I asked for a copy of affidavit that processor had brought, no one in my family received a summons in my name. Never did they attempt to contact me about this. Now there is unbelievable amount of money that is owe. 

I can afford the amount that they are charging me. It was unethical how they went to collect money. I was never served properly and this is hindering me from getting a position in public safety. 

Company response: Company chooses not to provide a public response
Consumer complaint: i'am filing a complaint against Experian Credit Reporting Agency , they have ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. under SECTION 611 ( 5 ) ( A ) of the FCRA -- they required to ''prompty delete all information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. THANK YOU SO MUCH .... 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted " Experian '' directly, and was somehow redirected to " XXXX '', I paid my XXXX for my Experian credit report but only got to view my XXXX XXXX and XXXX. fico score, I already got this info from credit XXXX XXXX, Experian is unlawfully in collusion with other corporations to hide, and make it to impossable for me to obtain!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Both my family and I had been receiving threatening phone calls and voicemail to provide my information so that they may contact me about a debt i supposedly owed. After calling them back the man proceeded to tell me i was being sued by XXXX XXXX for a debt i owed them and the only way to differ that was by making a payment. At the time i agreed and made a payment of {$110.00} and set up an arrangement for monthly payments. This month ( XXXX ) the day before they were due to withdraw the money my XXXX year old son got ill and had XXXX. I had to take him to the doctor and as a result had a list of medication i needed to purchase for him. I call the company right after his doctors appointment and they said the payment had already been submitted and there was nothing they could do. Today the payment was declined and a woman called me back in a rage. Asking if I was on probation because they would be suing me and pressing charges and the police were going to show up at my job and arrest me, unless somehow i cam up with {$60.00}. At that moment it made me think. I did some research and I found quite a few people had been through the same thing and that it was a scam. I proceeded to call XXXX XXXX ( the company they said i owed money to ) and was told that they do not use a collection agency by that name nor do i have an active account with them. I immediately called my bank and had them cancel my card and block them from making any other withdraws from my account. The woman from the " collection agency '' called me again to see if I was going to make the {$60.00} payment and i told her i knew it was fraud to never call me again because im filing a claim with the FBI. She again go infuriated and started using fowl language so i hung up and have n't heard back from her since. The telephone numbers they have contacted me from or have had me use to contact them are XXXX and ( XXXX ) XXXX. I was told the company name is Citi Management. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Paypal wo n't let me withdraw my money. The options they give me to " verify my account '' are all broken. I do n't see why they are able to accept my deposits, but then prevent me from withdrawing my money. 

I made withdrawals from my paypal account to my paypal prepaid card in {$300.00} batches since that was the most I could do per day. This option is clearly/encouraged by the paypal prepaid card as a valid way to fund my prepaid card, that is, direct transfer from my paypal account into my paypal prepaid account. 

All I want is to access my account to get access to my money. Paypal has been holding my {$500.00} hostage since XXXX/XXXX/15 and I am very upset about that. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I bought a computer from XXXX XXXX but started having problems with them around XX/XX/2015 when XXXX contacted me. I did not know who XXXX was so I called XXXX instead. they stated that they were unable to process my XXXX card. After calling XXXX and XXXX back I was told to now give XXXX the number on the front of the card and NOT the banking and routing number as they previously asked. then everything was fine and they gave me back all late charges they had charged me. They NEVER called me, emailed me or mailed me anything. when I asked them why, they responded that they do not do that?! then a few months later XXXX called me again to say that it was still an issue. I called XXXX, spoke with a supervisor and all was fixed. ALL LATE FEES were given back to me and they were very apologetic. then I found out that they reported these late fees to credit reports. when I called bestbuy again, they agreed they were at fault, apologized again and said that they would fix this with the credit reporting, which they never did. I filed a compliant with Experian but still nothing has happened, Experian says that according to bestbuy I had a late payment in XX/XX/2015. I have a statement from XXXX XXXX showing ( XX/XX/2015 ) that the late fee from XX/XX/2015 was returned to me. I also have a complete list of all charges, fees, etc and none are late fees. I never had a late payment with bestbuy and all of the late charged were returned to me. I have proof of this and will forward it to you as I did with Experian. After I paid XXXX off, they will not speak to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Grenn TRee LLC Has been charging me for home owners insurance since XXXX of 2015 with uot my knowladge or concent. They also made a payment to my own homeowners policy XXXX with out my knowladge or consent. They then shorted my escrow account for the month of XXXX and are now asking me to pay for it. For some unknown reason for the month of XXXX 2015 my mortgage payment went from {$1400.00} to only {$840.00}. I called them XXXX and asked why and no one could give me a clear answer only sumizing it was for the insurance charnges. Now they are asking me to pay for a {$530.00} escrow shortage? Can you please investigate these discrepencies? Thank you. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Paid the loan off in XX/XX/XXXX. However because they processed my loan on XX/XX/XXXX and not the XX/XX/2015, they reset my loan and gave me an early payoff amount. As of XXXX XXXX 2015 I was done paying for the loan. XXXX XXXX 2015 they processed a debt payment from my account of {$66.00} that were not suppose to take as the loan has been paid off for over a month. They said to return the money to my account take 48hrs or I could come pick up a check from the office. So now this is going to cause my rent to check to bounce and a late fee to be assisted to my account and leasing office to charge me a fee as well. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have disputed the following tax liens with Transunion multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can Transunion verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX : Tax Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My goodness I have been through it with getting information on my Credit Report changed. XXXX, XXXX and Experian have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XX/XX/XXXX and spoke to a manager XXXX XXXX XXXX. I asked him for the reason why my account was closed without any warning and he basically just repeated what the letter had stated and that he could not provide any more details. I stated that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$3300.00} if they are redeemed towards travel expenses XXXX hotels, airfare, etc. ). I have been a Barclay 's credit card customer since XX/XX/XXXX, and I am unhappy with the way that they have closed my account. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning. 

Company response: Company chooses not to provide a public response
Consumer complaint: My goodness I have been through it with getting information on my Credit Report changed. XXXX, TRansunion and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on two occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get PMI removed for 2 years 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is in regards to XXXX original a count # XXXX in the amount of or close to {$29000.00} has more than exceeded the California time statue ( 6 ) years with no payments, activity and or dialogue in that same time ( 6 ) years, to legally collect this debt. I would like that the collection agency listed below, to contact XXXX and or other credit agencies to remove this negative mark from my credit report immediately and or issue to me on my behalf a document / letter in reference to that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES that pertains to the XXXX # XXXX in the amount of or close to $ XXXXXXXXNOVEA PORTFOLIO MANAGEMENT ( their a count # XXXX ) Address : XXXX, Florida. XXXXPhone : ( XXXX ) XXXX
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed the following tax liens with Experian multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can XXXX verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX XXXX : Tax Lien : XXXX Lien : XXXX Lien : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a single mother of XXXX and of a military son. I had planned on buying a home, and now I ca n't because I am out {$4000.00} due to fraudulent activity. 

On XXXX XXXX, 2015 I was in the process of closing on a house. I was working with my realtor through email and phone during this process. It ended up that I wired my escrow money of {$4000.00} to a fraudulent account. The following is a detailed account of what happened. 

On XXXX XXXX, I worked with my realtor to sign the bidding paperwork for XXXX XXXX XXXX property in XXXX, VA. 

The next morning, I received a congratulatory email saying that the seller agreed to the bid and I will receive an email with the instructions for escrow and other documents. Later that morning, I did receive instructions and called my bank to proceed with the wire transfer. 

My realtor called shortly after to discuss me signing additional paperwork, then called again later in the afternoon to talk about escrow monies. I told him that I had already wired the money according to his instructions. He said that he never sent me anything today, and to stop and call my bank to stop payment. 

I did call my bank, and the bank where the money was being wired to, and neither party would freeze or hold the money to investigate!! 

My bank would n't do ANYTHING until I filled out a form, which, when I initially called to complain, no one, told me about any form, until my bank manager the following day mentioned it. I was told to make a police report, which I did. I NEVER, got ANY response from the local police to even say it was out of their jurisdiction. I feel really helpless in this situation. 

My realtor 's email was hacked! I want my money returned!!! That 's it! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX has a closed account on my credit report that I have would like removed 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a copy of my annual credit report XX/XX/XXXX. The debt listed below is not on my credit report. I obtained a copy of my credit report from XXXX XXXX on XX/XX/XXXX. My credit report indicates I owe {$35.00} dollars. The debt collector is XXXX. Original creditor is XXXX XXXX XXXX XXXX. I unequivocally do not own {$35.00} dollars. XXXX reported the debt. I am requesting the company remove the inaccurate statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I dont know where this XXXX bill is coming from I have never had XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted lend up to informed them that i was going to be needing an extented payment plan and i was told that they did not have to obey that law 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo filed a complaint against my FHA mortgage with out reviewing me for a loan modification. I contacted Wells Fargo in XXXX 2015 and XXXX 2015 for assistance. However, they denied me saying there was not a sufficient change in my circumstances to warrant a review. This is not true because I was temporarily laid off and then got rehired and now make more money. Wells Fargo sold my home and bought it for {$20000.00} and then left me with a deficiency of {$80000.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never had XXXX. Not sure why this is on my credit report or where it came from. 

Company response: Company chooses not to provide a public response