AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX from JMS Associates ( XXXX ) XXXX called our office asking for XXXX XXXX who is an old associate of this company. The gentleman advised that it was impertinent he speak with XXXX this instant regarding a financing settlement in their office and pushed and used aggressive speech and tactics to try to get me to give away XXXX contact info. I advised him that XXXX no longer worked in this office and he rudely replied again in an aggressive tone that this is the number XXXX provided, as if I was lying about XXXX no longer being affiliated with us and demanding to get his contact info. Once again I said to him that he was calling an office line and that XXXX no longer worked here but that I would take his info and give XXXX the message. We hung up. The next day the same guy calls me with the same tone, I reminded him XXXX no longer worked here but that I did him the favor of giving him his info for him already and that he was not to call this office anymore. He began yelling at me telling me I did no favor for him and that he had every right to call and that I had no idea what I was talking about and proceeded to harass and use aggression and yell at me with rude behavior until I finally hung up. This is a violation of section XXXX which constitutes a {$1500.00} fine. This man # XXXX should not be discussing someone elses debt with me over the phone and telling me about XXXX settlement and I am not the debtor nor is he allowed to use those tactics with the debtor. He also did not identify himself as a debt collector when calling. He said he was a law office calling about a financing settlement. When I look online it is clear this office is a debt collector. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a judgement on my credit report with Experian from XXXX County District Court. The judgement has been paid and I have been issued a " Certificate of Cancellation of Judgement '' signed by both the Clerk of Court for XXXX County and XXXX XXXX who is the attorney for the plaintiff ( XXXX for a student loan ). I have sent the copy of the certificate to all reporting agencies. Experian will not remove it. There response is that it is showing " Paid ''. I could understand that if I was simply giving a receipt showing that it was paid. However, if I have documentation from the court showing that the judgement has been cancelled, why would they refuse to remove it from my credit file. The judgement is set to be removed later this year anyway. However, I will be receiving my XXXX XXXX XXXX in XX/XX/XXXX and will be job searching. I would like for this to be removed prior. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied credit, went to XXXX to order my free credit report, went through the process online, website kept asking me to refresh then finally stopped working. Tried to resubmit, website said I had already received my report which due to the refreshing I did not. What upsets me the most is I can not reach a human being to report the website problem. I 'm old and really take issue to auto attendants on the phone and computers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint Details I was looking on XXXX for an apartment. Someone named XXXX had her own place for rent while she was 'out of town ' and 'sick. ' She was also telling me she 's in XXXX XXXX. So I never met her or took a tour of the place. She put it up for rent on XXXX and they said they would mail me the key once I transferred the security deposit ( {$800.00} ) and the first month of rent ( {$1000.00} ) to the bank in XXXX. I never got the key. Their email is XXXXXXXXXXXX. I think maybe XXXX stole my money too, her number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX. The address to this apartment is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX asked me for more money to pay her ER bill, I just said no I do n't want the apartment, so they said they would refund me and never did. I went to Wells Fargo to send them a request to give me back the money, and it turns out XXXX closed the account and have stolen the {$1800.00}. I 've contacted XXXX customer service, the police, XXXX, my bank, XXXX, XXXX and noone can help me. I did file a business dispute with them but I do n't know if that 'll work either 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to talk to Debt collectors and get this resolved for the past 3 years with no luck. They are not willing to discuss or negotiate with me about the debt in question. I do not feel that I owe anything because the company who placed the debt broke our contract first by their actions in maintaining a safe environment for the tenants. I have also disputed this account with all the credit agencies again with no luck. This collection is ruining my chances or renting a house as well as purchase a home. I need help 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: my house was set for a deed in lieu. The mortgage company asked the judge to cancel the foreclosure but the motion was denied. The house was foreclosed on. I cooperated fully with XXXX XXXX and vacated the home as agreed. 
I recently got a letter in the mail from Dyck-'Oneal Inc. stating that they were assigned this debt from XXXX XXXX and that I owed {$44000.00}. They reported to XXXX and XXXX already. I was never given any details on this amount other than them listing XXXX XXXX as the original creditor, no account number was listed. I have not had a XXXX mortgage for over 10 years. I have sent them a request for validation according to the Fair Credit Reporting Act. It is a violation for them to automatically place this item on my credit report without any documentation or proof. These are the items I am requesting : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Identify the original creditor and loan number Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legally entitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) Copy of the original signed loan agreement. ( My contract with the original creditor establishing the debt between us. ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Trans-Union Credit Report was showing wrong credit information in my XXXX XXXX XXXX Credit Card. I disputed it and Trans-union has removed XXXX XXXX XXXX account from credit report. 
I raised a complain in CFPB OMB # XXXX. I get response from Trans-Union that my Financing Agency ( XXXX XXXX XXXX ) need to re-report the credit. 
I had meet XXXX XXXX XXXX multiple times. I have reported my Credit. All other Credit Bureau are reporting correct Credit expect Tans-Union. 
I am raising a new complain because in-spite of my previous complain OMB # XXXX, the problem was not fixed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX insurance issued a debt for an auto accident that was dismissed in court. Case # XXXX. Attorney XXXX XXXX XXXX Ph/ # XXXX. The collection company is NCS at phone # XXXX. Name of representative is XXXX XXXX and he not only is calling numbers not associated with me but after providing him with attorney information and verbally explaining him to cease and desist he continues to make harassing calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving collection letter from mandarich law group for over four years trying collect on a debt that I do not believe is mine and even if it was mine statue of limitation on it has passed. even though I have been asking for debt validation on this account I have not been receiving no information on it. Also every time I look at my credit report I see illegal credit inquiry by mandrich law firm. What mandrich law firm is doing harassing me by their tactics to lower my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Flagstar bank XXXX continues to show late pay history, i was never on this account and it should be removed from report or updated with no negative pay history 

Company response: Company chooses not to provide a public response
Consumer complaint: I was involved in an no fault XXXX accident, substantiated minor injuries resulted me going to the hospital. I was assigned a Representative for XXXX XXXX whom I spoken to several times in the past and was informed that all medical bills will be paid thorough XXXX XXXX. I shared that information with all the parties involved with the accident and yet it is still on my credit report. Doctors XXXX service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt is about 17 years old and I remembered that I have this debt account closed by cross country. Now some new copy pay who is 3rd party have been.sendingme letters. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested verification and validation of debt and this company will not provide. I do not believe that this agency is licensed and bonded to collect in my state and that this debt is over XXXX years old. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a dunning letter from a 3rd part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing XXXX XXXX XXXX, this was fraud on the court. 

I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. 

These 3rd party debt collectors are posing as attorney 's representing XXXX XXXX XXXX, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served by a sheriff as required and as a result a default judgement was entered. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a dunning letter from a XXXX part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing Bank of America, this was fraud on the court. 

I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. 

These XXXX party debt collectors are posing as attorney 's representing Bank of America, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served by a sheriff as required and as a result a default judgement was entered. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 Initiated {$850.00} Wire Transfer reference number XXXX Debit from my SunTrust Account to Recipient my Son 's Account at XXXX XXXX bank XXXX. 
Money transfer pay through XXXX XXXX XXXX and then Recipient 's to XXXX XXXX bank XXXX. 
Currently Bank XXXX XXXX Holding my money {$850.00}? do not know reason why? 

Company response: Company chooses not to provide a public response
Consumer complaint: I never not received a judgement demand letter from this company. I never received any communication from this company about the outstanding debt.The first communication was sent as a form of garnishment to my employer. My employer notified me. After I spoke with the representative from Quick Click Loans, I was told I did not have to be notified. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call from Commonwealth stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The address of my home is : XXXX XXXX XXXX XXXX, NY XXXX This is XXXX of the last letters we have sent to Wells Fargo. 

From XXXX XXXX through XXXX XXXX, we received XXXX short sale offers on our home, all to which were within 5 % of asking price yet they were all rejected by Wells Fargo. 
From XXXX XXXX, we received over a dozen calls from Wells Fargo asking us for the HUD statement. Each time we faxed it over and each time it continued to be lost. 
In XXXX, the home was broken into and all copper piping was stolen. Our insurance company sent Wells Fargo a check for over {$11000.00} which has subsequently been " lost ''. 
In XXXX, Wells Fargo advised us to record a " Deed in Lieu '' which was consequently rejected by WFHM. 
In XXXX, we were notified the home was going into Foreclosure despite all purchasers interest and effort on our part to sell it. 
Through XXXX to Present, we have received and continue to receive numerous notices from Wells Fargo " to save our home '' through mortgage modification. 
In XXXX, our neighbor notified us that there were squatters living in the home for over a year. We finally synced up wit XXXX XXXX in your XXXX XXXX Department who assured us that she would get the house secured and confirm with it when it was done. After several attempts at follow-up, XXXX has also failed to deliver. 
We secured an expert Real Estate agent to once again try and short sell the home. Within days she presented to Wells Fargo an all cash offer. After months of being passed around from person to person, numerous emails, correcting mistakes Wells Fargo was making, the short sale was denied on XXXX XXXX, XXXX by Wells Fargo. 

The following resolutions need to occur before XXXX XXXX, XXXX : We will receive confirmation on the security and condition of the home. 
The house will be removed from Foreclosure and back into Short Sale status. 
We will be assign a Personal Coordinator that will be our SOLE contact person for all other communications and activity going forward. 
WFHM will remove any and all negative reports on our credit Very Sincerely- XXXX and XXXX XXXX XXXX XXXX We tried short sale again this summer, again rejected by WF due to a " surplus of funds ''. That surplus this past summer was small. 
We just want resolution. We want our exemplary credit back. What we had before they systematically destroyed it. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed. 
TRANSUNIONS credit files does not support latest credit scores. These scores continue to drop. 

Company response: Company chooses not to provide a public response
Consumer complaint: Disputed a public record on Experian the judgment is paid in full. Experian refuses to mark it as paid. I have sent them the paperwork online showing that the judgment is paid. Just received the copy of my credit report from Experian, and the judgment is still not marked as paid. I am a resident of New York State, and the judgment will be 5 years old in XXXX, this judgment needs to be off my report in XXXX 2016 according to the New York State 5 year rule. Below is the satisfaction of judgment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an auto loan with PenFed that they refinanced for me in XXXX. The loan was refinanced from XXXX XXXX and I have now received a letter stating that PenFed has raised my interest rate from XXXX to 14 % since XXXX did not release the title to them. My husband has contacted XXXX numerous times as the title was in his name and they have stated they have released the title to them. My husband also contacted PenFed about the issue in XXXX and they stated this was an error and my husband even opened a checking account with PenFed the same day. This is a fixed rate loan that should never should have been raised and PenFed before releasing a check to XXXX for the payoff of the vehicle should have obtained a copy of the title before doing so. I can not get them something I do not have and will not be held at fault. This is completely unethical. I am very saddened as PenFed has always been a good company to me but this is the worst financial injustice I have ever encountered in my life. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working with my mortgage company to modify my current loan. I have recently received a discharge for bankruptcy which I excluded the home from. I have been working with one individual through the process and was behind 3 months of payments ( due in part to the mortgage company changing from Greentree to Ditech as well as Bankrupcy proceedings, In short my direct deposits were canceled by the mortgage company and I did not notice it right away ). 
I have tried multiple times over the past couple months to contact XXXX from Ditech to come to a resolution and have not been able to reach him in person, I have left a number of messages on his voicemail and with his coworkers who are not willing to discuss any part of the loan other then take a payment. 
The last time I spoke with XXXX was regarding a loan modification packet that he was sending me. a few days later I received a packet from Ditech but it did not contain the information that XXXX mentioned and I have not been able to contact him since. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Never had a XXXX Account!, Never signed for anything, Have requested that in accordance to the provisions of the Fair Credit Report Act. 611 ( a ) [ 15USC 1681 I ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. 
I have contacted this collection firm, through email and postal mail. 
Have contacted XXXX complaint filed. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: STRAP : XXXX BB & T violated many Federal Regulations Including TILA, Regulation Z, Dual Tracking ( as they were informed I was working on a Loss Mitigation Package with Neighborhood Home Solutions well within foreclosure deadlines, failed to send me their Loss Mitigation package within a timely fashion, exploited my lack of knowledge of the law and claimed they would " work out a solution during my first trial when my complaints should have been raised, and gave me a predatory loan as I was below the poverty line with XXXX dependents. The Civil Court could not adjudicate these claims and BB & T continued with their foreclosure auction well before any and all court motions / appearances were allowed to transpire. They also had many mistakes in documentation and transferred the property to XXXX XXXX XXXX after my last court appearance when opposing counsel told me personally, among a credible witness, that he would email me later that day with a resolution. The Plaintiff also provided the court with misleading ( bordering on fraudulent ) comments which could not be adjudicated at that time and my supporting documentation was unable to be reviewed within the 5 minute time frame the court allotted us. 
XXXX XXXX XXXX XXXX XXXX FL XXXX I have all documentation supporting my claims and am prepared to take this to a Federal Level. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX, I pulled my credit report from TransUnion and found that TU XXXX conducted an inquiry without my written authorization on XXXX/XXXX/XXXX. Refer to page XXXX of enclosures submitted. Another inquiry was made on XXXX/XXXX/XXXX by Transunion XXXX with my first name that is not spelled correctly. Refer to page XXXX of enclosures submitted. I did not authorize this inquiry. Furthermore, I did not subscribe to this service at all-Period. I believe that is inquiry involves fraud and that this entity doing business as TU XXXX is not legitimate. I wrote a letter to this entity dated XXXX/XXXX/XXXX. Refer to page XXXX of enclosures. I received a letter dated XXXX/XXXX/XXXX from Transunion XXXX. Refer to XXXX XXXX of enclosures. I did not apply for a loan or a credit card. I simply pulled a credit report and that is all. First of all, I want to know if this entity is a legitimate business and second, they do not have my expressed written authorization to conduct a soft inquiry with my expressed written consent. They have no business conducting a soft inquiry for no reason and claim that I had signed up for it. Especially, with no signed contract or my expressed written authorization. My financial information is not available for sale, distributed, faxed, e-mailed, stored in a retrieval system, sent to a third-party without my expressed written consent. Transunion XXXX also known as XXXX or XXXX is not authorized to resell any and all of my information-Period. 

Company response: Company chooses not to provide a public response