AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I mailed a cease and dispute letter to Hunter Warfield on XXXX XXXX. XXXX XXXX I received verification of debt letter dated XXXX XXXX from Hunter Warfield. The envelope states " Collection & Asset Investigation ''. Whenever Hunter Warfield sends letters it says this on the envelopes and they are not suppose to use envelopes that reveal information indicating that the sender is a debt-collection agency. And it was extremely embarrassing because our postal carrier had accidentally put it a neighbor 's mailbox. Also they did not mail the verification of debt letter in a timely fashion. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was XXXX in XXXX 2009. At that time, I was receiving XXXX for my XXXX. While XXXX at the XXXX, I spoke to a VA Representative who assisted me in stopping these payments while I was on XXXX. I filled out the paperwork with her, and we scanned it into the VA. I went directly to XXXX from XXXX XXXX. While XXXX, unbeknownst to me, I was still receiving payments. When the " stop payment '' paperwork finally caught up to the VA, payment was halted ; however, I had incurred a debt. Upon my return to the states and upon filing income tax returns, I discovered this debt. I contacted the VA, who informed me they had sent it to their XXXX XXXX XXXX. I fully paid the debt, satisfying the case against me. This past year, I have been attempting to clean up my credit report. I contacted the VA and asked them to remove this negative remark on my credit reports, especially since I was XXXX, unaware I had a debt, had tried successfully to stop payment, and paid the debt in full as soon as I became aware of it. I was informed they would not remove it. I would like it cleared off of all XXXX ( XXXX ) of my credit reports. I am still XXXX and hope to purchase my XXXX home soon. Any help would be greatly appreciated. Thank you! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received several calls from a company called Unified Global on a debt I believe to be payroll advance but I am unsure. A XXXX XXXX said this was my last chance to settle debt or he would tale me to county court. He was talking in intimidating manor and several vailed subtle threats about garnishing wages etc however i am filing for XXXX and have no job. He left message on my phone. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. Transunion has now updated and deleted the outdated information ..Experian and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX, XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX private student loans with Sallie Mae while I was in school. I refinanced these loans in XX/XX/XXXX with XXXX, XXXX XXXX sent Sallie Mae payments on XX/XX/XXXX and sent me a receipt for payment. Sallie Mae had n't processed the payment on XX/XX/XXXX and wanted me to pay them for a loan that was already paid off. I called and they told me I would have to pay a {$50.00} fee to be put in forbearance so they could research the issue, the issue was their fault from their company splitting in fall XX/XX/XXXX and they should have it resolved in a week or XXXX. I paid the fee and waited and then I received a bill in XXXX telling me I still had a payment due. I called and they had no record of my dispute from XXXX, and told me the only way they would research their mistake is if I electronically sent them proof of payment from XXXX or if I conferenced called them with a XXXX representative. Also, XXXX had overpaid in XXXX so Sallie Mae was actually holding over {$350.00} of my money. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have XXXX US Bank XXXX XXXX XXXX ( Business and Personal ) between myself and my girlfriend. We paid annual fees for each card this year under the assumption that the current reward of " XXXX free night hotel when booked with points '' would remain active for the remainder of the year for which we paid the annual fee. US Bank is changing this effective XXXX XXXX, 2015 and removing this benefit. This is a deceptive bait and switch tactic, and we are no longer getting the value we paid for in the annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX a collection company attempted to collect XXXX debts from me that were not mine. They used a variation of my name and home address including an apartment number for my home. I filed a complaint with the attorney generals office in XXXX, WA. I did not hear any more. In XX/XX/XXXX ( 6 years later ) Commonwealth Collections ( a subsidiary of XXXX collections ) attempted to collect these same XXXX debts with a variation of my name and the same erroneous apartment number for my residential home address. Once again I referred the matter to the attorney generals office. The AG filed a complaint on my behalf but they ca n't impose resolution. Collections agencies are simply junk debt sellers and this is what is happening. They know this is n't me but they sell the contract from one company to the next and nobody is successful at getting these criminals to cease and desist. I want them stopped.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank is unable to retrieve transfer that was done to a fraud account of fraud person for fake sale. Hello, I got many calls from this fraud company mentioning good deals about flights I was looking for. They sent me confirmation and tickets for flights I verified with airlines and they were booked for real. After a MONTH the tickets got cancelled and I never got refund. XXXX says someone cancelled it and it was fraud and used invalid card and details.They are trying to investigate as well, as they think its a fake travel agency. I transferred money via bank of America to consultants bank of America account, Now no one is answering calls nor responding to email. I tried requesting Bank to see if they can hold the account and retrieve the money back. I filed police complaint as well. Bank says that they can only REQUEST recipient to transfer back the amount, how can they allow fake accounts to be opened and operate, and how can they now file a case against the fraud and help me getting refund. Please help!! XXXX of my friends paid this fraud person as well in different bank account, XXXX bank and XXXX, and their tickets are now cancelled and no refund! I am filing a Police case as well - not sure if we can sort this out. XXXX of our friend paid to XXXX of the accounts of this company as well. No updates from anywhere so far. I lost {$1400.00} with this fraud. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX years old female who hold a conventional fixed mortgage with Bank of America. I have lived at XXXX XXXX XXXX XXXX, XXXX, NY XXXX my primary residence since 1997. The interest on my mortgage XXXX. XXXX has been 7.37 %. Over the past 5 years I have requested a modification to reduce the interest and payments. I have completed forms and submitted at least XXXX packages. Over and over it goes. A former consultant at NY XXXX XXXX woman XXXX XXXX who was helping people like me submitted a document informing Bank America that during this process I will be submitting the escrow payment monthly. My status moved from being full time XXXX to a retiree whose income now is primarily XXXX, some annuity disbursement since I am now retired. I have submitted hardship documents over and over. Still without success. When I was fully employed I was told that my income was too high. Now that I am retired, I do accept part time assignments to teach when these are given. Last semester I XXXX XXXX classes. This semester I received none. However, I am still able to pay the escrow. I have worked and saved all my working life to retire and live though at a different level. I live prudently and frugally. Each time I believe I am making headway in the process the consultant is changed as well as their location which makes me wonder whether documentation sent to XXXX is transferred to the next XXXX. This makes me have doubts about the process. I do not think it is honest. The most recent consultant made it clear that applying and completing documents offers no guarantee for success. Does it then mean that I am engaged in a process destined for frustration. Does it mean that this is a cruel game intended to oppress and frustrate me so that I will just give up and do a short sale and turn over the major asset of my life to Bank America? Our Government readily helped Bank America to survive with a quick bailout. I do not see any reciprocation when the CEO 's still get big bonuses and the little people get squeezed and oppressed. I am so thankful for now XXXX XXXX for understanding the plight of little people and little elderly people like me.. Yesterday I faxed the document XXXX verification benefit award letter to XXXX XXXX XXXX to her, Today Im telephone about its non receipt even though another mailing admits receipt of document. The process needs to be more humane -- not terrifying by more than XXXX computerized program just beating and beating and beating ones mind to drive them out of their homes and leave it for Bank America. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XXXX star hotel reservation i a certain area from XXXX on the telephone while looking at the hotel listing online. I received a XXXX star hotel in a different location. XXXX was promptly contacted about this error. The XXXX XXXX I spoke with named XXXX acknowledged that the booking mistake was a SYSTEMS ERROR on their part-which led to them booking a XXXX star hotel when our search criteria was supposed to only include XXXX XXXX hotels. After alengthy conversation & speaking with XXXX reps XXXX still refused to refund the charge. I informed XXXX that I did not accept the charges as they did not deliver what was agreed upon. We did not use the reservation. My credit card co Bank of America was contacted right away and told that we did not accept the charges and not to pay them. When the bill showed up on our B of A statement we disputed the charge. We received a letter from B of A stating the case was resolved and in our favor. Later @ XXXX/XXXXXX/XX/2015 I received a XXXX letter dated XXXX/XXXX/XX/XX/2015 saying their investigation found that we did engage in the transaction and that we owed the {$910.00} being charged. On XXXX/XXXX/XX/XX/2015 I telephoned B of A and spoke with XXXX to reactivate the dispute.I was told I did not need to contact XXXX directly as B of A was handling the dispute. I received a letter from B of A dated XXXX/XXXX/XX/XX/2015 on @ XXXX/XXXX/XX/XX/2015 saying again that we did engage with XXXX and that we had till XXXX/XXXX/XX/XX/2015 to have documenation sent to them to continue dispute. I was shocked at the last minute request as they had weeks to ask and inform me of deadlines and additional forms. Despite the untimely requests I faxed as they suggested, everything requested on XXXX/XXXX/XX/XX/2015. A letter wa also sent to XXXX describing the Dispute and that we were seeking a reasonable resolution to the matter. To date XXXX has not replied. XXXX position states : that I called and wanted to cancel the reservation due to not liking the hotel received. This is NOT true as I have stated above. XXXX did not deliver what was agreed upon. I continue to dispute the billing and have informed XXXX departments at B of A in writing. B of A received the letters delivered XXXX Mail XXXX on XXXX/XXXXXXXX at XXXX in XXXX XXXX, TX, sighed by XXXX XXXX. To date we have not received a reply. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a current motion @ XXXX XXXX courthouse Florida by plaintiff to reset a sale date on this 100 % illegal foreclosure attempt. XXXX is a brief detail of this abuse. 
A. After sitting unprosecuted for over 5 years on XXXX XXXX, XXXX I had Non-Jury ( XXXX ) trial versus Countrywide XXXX XXXX XXXX XXXXXXXX/Bank of America at XXXX County Courthouse in XXXX XXXX , XXXX. Case # XXXX. 
B. Florida 5 year Statute of Limitations ( SOL ) expired XXXX XXXX. 
C. Among the serious deficiencies are:1. Plaintiff lacks legal standing to foreclose. 
2. Robo-signing of documents, robo-testifyer for XXXX XXXX at XXXX trial. 
3. LOSS/DESTROYED ORIGINAL PROMISSORY NOTE upon filing Lis Pendens in XXXX ( only copy endorsed in blank provided ). As of XXXX XXXX, XXXX per robo testifyer personal notes with him at trial, original promissory note still lost/destroyed. 
4. Lender force placed homeowners insurance charged at gouging XXXX, XXXX times normal rate and purchased from plaintiff controlled or owned insurance company. 

Company response: Company chooses not to provide a public response
Consumer complaint: On EBAY, I had to take down all my items. I 'm locked out of Paypal for the forseeable future. 
It 's all got to do with the XXXX. I sent it as they requested, choosing to do it by mail, certified, instead of over the internet. The tracking shows they got it on XXXX, last Monday, and it was signed by someone named " XXXX XXXX. '' I verified this by talking to a postal employee of the station - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, which delivers to the Paypal address I mailed to. I verified the address - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, over the phone with a Paypal customer rep, and online as well. I tried talking to a couple of so-called " supervisors, '' which was a joke. They claim they have n't got it, despite the signer 's name, on record. They are claiming that if I do the XXXX the way I was trying to avoid, then all will be fine. I do n't trust the internet or the phone with personal info. I know that you guys ca n't necessarily help with getting me back on Paypal, but I would think that it would be important to know, if they ca n't hang on to a simple piece of certified mail, and lose someone 's personal info. At this point, I have heard verbally by XXXX different people via phone, that they do n't have my XXXX, and I have XXXX emails stating they do n't have it as well. These XXXX emails could easily be generic emails, because it 's really obvious they have no real interest in communicating with anyone, just getting rid of them. So this is my complaint - they appear to have mishandled my personal info, and I want to know just where it is. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was involved in an accident in XX/XX/XXXX where I was hit by a car while riding my bicycle. The driver was at fault as they t-boned me while they were turning onto a side road and I was traveling in the bike lane. This debt is regarding a bill from the XXXX Fire Department which provided me with an ambulance ride to the hospital. 

I had attorney representation immediately following the accident which informed me to provide them with any bills I received. I did so, and the bills from XXXX was part of that stack of medical bills I provided. XXXX was paid by my attorney 's office once the lawsuit was settled out of court. While this collection shows that it was paid in full, this should not be on my credit report. None of the other healthcare providers ( which also had to await payment ) placed anything on my credit reports. 

At no time was this an attempt not to pay, nor does it accurately portray my credit worthiness. 

I attempted to contact XXXX XXXX and XXXX in XX/XX/XXXX. The person who answered the phone stated that there was no one available to take my call. I asked that someone call me back and she took my information. She stated she would pass it along, however, they were not obligated to remove this from my credit report as it was a valid debt and it did n't matter that it was paid. All they had to do was mark as paid and they had done so. 

I never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans. 

Please help. 

Thank you for your consideration of this situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a XXXX Credit Card for 0 % interest for a year. When I got my statement I was being charged an outrageous amount of interest. I tried complaining to customer service and a supervisor to no avail. They even said they did n't have a 0 % interest rate offer. What do I do other than switch my statement over to another credit card. This sucks big time. 

Company response: Company chooses not to provide a public response
Consumer complaint: Select Portfolio Serving, SPS, is not acting in " Good Faith '' in the underwriting and preparation of a loan modification which was in fact already granted in XXXX of XXXX by the former bank note holder, XXXX. 
I have fully complied with all their requests for financial information for the past 6 months. They are requesting the same financial information over and over again. I have sent them " proof '' of income several times only to be informed it is not enough. 
I have already given them the following Documents:XX/XX/XXXX TaxesBank StatementsInsurance statementsrental income for the house in questionrental income fore the XXXX XXXX XXXX income for investment property located at XXXX XXXX XXXX XXXX XXXX Fl5 months of consecutive rental income direct from the Federal Government ComputersProfit and Loss StatementsDetailed listing of my ExpensesRMA formAll this information can be verified by my Taxes which were professionally prepared by XXXX XXXX and XXXX XXXX CPA, XXXX New York XXXX 
SPS has formally acknowledged the receipt of this information via email confirmations to me dated:XX/XX/XXXX, XXXX confirmations of receipt XXXX/XXXX/XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX. In total, there are XXXX separate emails from me that they confirm were in fact received by them. 
Despite my total cooperation and a deluge of information from me which can be easily verified, SPS continues to deliberately delay and or sabotage the recognition of a Mortgage already put in place by XXXX or grant a new mortgage taking into consideration the failures of XXXX and now XXXX Bank to accept my mortgage payment of {$1700.00} for several years. In fact, XXXX had accepted my payments for 9 months. 
I have attempted to correct this situation through personal phone calls, letters and lawyers. To date, no one is listening. 
Once again, the loan had been modified in XXXX and I was current on the payments when the note was transferred to the new servicer. The new servicer required me to re-apply for a loan modification which put me at risk of foreclosure because the new servicer did not accept payments after the loan was transferred. 
Florida is a XXXX XXXX and Foreclosure matters are referred to XXXX XXXX. The bank and I are required to participate in a Loss Mitigation Workout Solution. 
This matter has been placed on the court 's calendar and I submitted opposition papers to a Summary Judgement Motion on the basis that the Note to the Subject Property was not attached to the Bank 's Motion papers. 
There is a sale date scheduled for XXXX XXXX, XXXX and the bank has all the documents to approve a Loan Modification, but is not in COMPLIANCE with FEDERAL GUIDELINES. 
XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I entered a Debt Management Plan with XXXX for a Payday Loan obtained from XXXX XXXX XXXX. I signed the XXXX documents on XX/XX/2014. XXXX continued to debit from my bank account, so I called them on XXXX XXXX and asked them to stop charging me, since I was already paying on the DMP. I also called XXXX XXXX, and asked that any payments they try to take out be stopped. despite these attempts, they have debited me XXXX more times. I keep calling and being assured it will be taken are of, and it is not. I am paying this back to XXXX companies. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: MY MORTGAGE LOAN HAS HAD XXXX DIFFERENT SERVICERS IN ABOUT A ONE MONTH TIME FRAME. BECAUSE OF THIS, SERIOUS ERRORS WERE MADE WITH MY REQUEST FOR MORTGAGE ASSISTANCE. I HAD INITIALLY APPLIED FOR MORTGAGE ASSISTANCE WHEN MY SERVICER WAS XXXX. MY FILE WAS IN REVIEW. ON XXXX/XXXX/2015 MY LOAN WAS TRANSFERRED TO XXXX XXXX. XXXX DID NOT TRANSFER MY MORTGAGE ASSISTANCE DOCUMENTS. A FEW DAYS LATER, MY LOAN WAS TRANSFERRED AGAIN TO BSI FINANCIAL. ONCE AGAIN MY MORTGAGE ASSISTANCE DOCUMENTS WERE NOT TRANSFERRED. BSI FINANCIAL WAS INFORMED THAT THERE WAS A COMPLETED PACKAGE FOR MORTGAGE ASSISTANCE. BSI PREFERS TO IGNORE THIS FACT. NO DECISION WAS MADE ON MY REQUEST FOR ASSISTANCE. IF MY REQUEST WAS DENIED, I WAS NOT PROVIDED A 30 DAY RIGHT TO APPEAL. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: National Bank of Arizona and their servicer XXXX have denied all my requests for a loan modification. The facts indicate they are not evaluating my request for all possible foreclosure prevention programs, esp. HAMP for which I qualify. Instead, because I have substantial equity, they are only evaluating my requests for reinstatement, which is the only foreclosure prevention measure for which I do not qualify. 

Company response: Company chooses not to provide a public response
Consumer complaint: Through billpay, the Bank of American Signature Visa paid my credit card instead of my husband 's as directed on the billpay. After talking with the visa company, they said 1-2 business days to get it fixed. On the XXXX business day, I called and was informed it was actually 2-5 business days. Then, on the XXXX business day, I call and it 's actually 10-14 business days. They have recordings and notes in the system that confirm that I was lied to and they STILL are not going to do anything about it today. My husband has been unable to make any purchses with his credit card as it 's showing a late payment. It 's effecting out credit and nobody is willing to accept any responsibility for the lies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not. 

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