AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am writing you this letter to dispute XXXX late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XX/XX/XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX, Sears came out to my home to fix the garage door that went bad. After the service guy looked at what the problem was. He advised me that the springs were damaged and needed to be replaced. Too my understanding from calling them on the phone, the cost of the springs to be replaced would be {$190.00} plus tax, plus XXXX for the service call. I left my credit card with my father to pay the bill which should have been XXXX plus tax which should have been XXXX total. Sears charged my credit card XXXX, which is a difference of XXXX. I called Sears about the invoice and to know avail did would they fix the bill. Not only would they not fix the bill, the bill does not even give a break down of what was done, which would include parts and labor explanation. They have failed to honor the price that was given to me and have clearly taken advantage of the situation by charging me a price that they do n't charge anyone else. I contacted my credit card company who is also Sears and initiated a dispute and to no avail did they fix the problem. I believe that both companies are working together to rip me off. 

Company response: Company chooses not to provide a public response
Consumer complaint: My physician contracted with a XXXX party to provide medical services for their clients. The physician outsourced services on my behalf without my consent or knowledge and failed to pay for these services. The XXXX party billed me. I disputed this bill with the XXXX party and they failed to respond. Instead, they outsourced their bill to a collection agency. I disputed this bill with the collection agency at that time and that they validate the bill and I received no response. Five years later, another collection agency reported the bill to the credit bureau in 2015 without contacting me. I disputed this bill through XXXX who closed the dispute after two weeks when the new collection agency simply stated that is was my debt without any validation, nor XXXX ask for any. I am filing this complaint and asking XXXX to re-open a dispute and handle it appropriately and in accordance with the law. I am also re-disputing this debt with the new collection agency in writing again. As I understand the new rules medical debts can not be reported for 180 days while they are being investigated. I am very concerned that instead of dealing with the matter, this agency will drop it and it will show up with another agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ). 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: The XXXX website ( XXXX ) is non-responsive, and that is where I make my student loan payments. For several months I have attempted to make student loans and have been assessed late fees because the loan payments have been made after a deadline. This is not fair, because I have attempted several times to make my payments online but their website is not responsive. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank ignored my XXXX XXXX letter. 
I have a {$1300.00} charge off from US Bank, and they wo n't explain why. I have disputed with the Credit reporting agency 's, and it comes back as verified. I then sent US Bank a Direct Dispute request under the FCRA 623 and they completely ignored it. US Bank received my Direct Dispute letter XXXX XXXX, 2015 at XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with an agent and I asked if I could get documentation to verify I owe a debt and he says no I would have to talk to my insurance since they made an initial payment. I told him the letter they sent said that I could dispute the debt and he says " you do n't know what dispute means '' I said he was being rude and unprofessional and I requested to speak to another agent or supervisor and he says " they do n't have time to talk to people like you ''. I said are you refusing to let me speak to a supervisor he says " yes, I am not going to bother them with your issues '' The agent refused to provide me with any information other than an amount owed and the name of medical facility, refused to allow me to speak to a supervisor, and talk to me in a demeaning way throughout the conversation. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I draw a low goverment check each month. No goverment check can be touched by no one. Stop haraasing me.. Stop contacting my bank etc.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Stellar Recovery has placed an illegal erroneous account in the amount of {$1600.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. 

I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately. 

I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX ). 

All my attempts to validate this debt has went without response by Stellar Recovery. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I get daily robo-calls from National Enterprise Systems at XXXX asking for someone who does not live here. This has been going on for at least XXXX months. I have blocked the call, but they still keep calling. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian did not send me the proof of verification I requested on several inaccurate and erroneous accounts that are being reported on my credit. I feel as though they are refusing to help me with issues I am having with specific creditors and collection agencies. I have sent them XXXX letters and request to no avail. I feel as though I am being discriminated against and would like to have them investigated. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I were out of state for a XXXX and were late on a payment to XXXX credit card services.We paid the late charge plus the account in full. Then we receive a bill for XXXX XXXX, 2015 but XXXX has added a {$2.00} interest fee. When I spoke to them, they said they would charge interest for XXXX subsequent account statements despite the bill plus late fee being paid immediately. How can they charge interest when it was paid off already? We have cut up our XXXX. credit cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with someone at XXXX who said that they were the manager, but i 'm not sure he was rude and nasty. He told me that my lender was lying and it was illegal for them to remove the collection from my credit report and it would be a {$10000.00} fine to do it. He also told me it could not be done because Fox did not own the account they were just contracted to collect. I asked it I could go back to the medical company and ask them and he informed me that XXXX had the contract and I had to go through them. The entire time that I was on the phone he was screaming and yelling telling me that if I pay my bills this would not be a problem. He did not want to hear anything that I had to say. I tried to explain to him that I was a single dad and I lost my XXXX year old son early last year and was XXXX for nearly a year and medical bill were the least of my problems.some the insurance paid the other 's were my responsibility. During my grief and illness I was in no shape to do anything. I found the strength to get things back in order and called fox to pay the {$200.00} and once paid asked if they could remove it from my credit report. That is all I want. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company lied to me about including my escrow in my mortgage despite verbal consent by the mortgage provider that I was not going to have the mortgage and property taxes included in escrow. When they said they were going to work on resolving the issue, instead they sold my mortgage to another bank with the escrow. Then XXXX said he would refinance me at no charge to remedy the situation, yet, after that, he stopped responding to any calls or attempts to communicate with him. This company is deceitful and misleading, and promises things that they do not hold up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months. 

Company response: Company chooses not to provide a public response
Consumer complaint: it was something I never opened 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money. 
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This company has contacted me when I told them not to contact me during my work hours which are XXXX XXXX to XXXX XXXX. I received a call at XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it may concern : I am writing because under my credit report, I am reported as married to XXXX. I am not married and this is an error, as I was married to this person but the marriage was annulled due to fraud. I need my report to show my accurate marriage status, which is single. 

Also, I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later XXXX by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information, when they show my past names, that they think they are dealing with XXXX or XXXX different people. Thank you for your attention in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Convergent has re aged and reinserted the alleged debt from XXXX on my Credit Reports. They are listing this account as having activity in XX/XX/XXXX which is incorrect and a violation of the law. 

These trade lines were removed as a result of a dispute by me in XX/XX/XXXX. 

This reinsertion came with no notification in writing to me. I noticed when I pulled my reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage payment increased without notification. Upon further research, I discovered that a disbursement was made from my escrow account in XXXX of 2014 for taxes. My taxes were paid in full prior to closing in XXXX of 2014. I contacted the county 's treasurer 's office and confirmed that the taxes were paid in XXXX of 2014 and no additional payments were received after that date. The mortgage company is not assisting me. I contacted them multiple times and keep being told that they do not have my closing documents. This has created a financial hardship for me and no one is helping me. My account is currently serviced by LoanCare. Their Customer Service department is rude and no one follows up with what they say that they are going to do. Please provide assistance so that my mortgage payment does not become delinquent. 

Company response: Company chooses not to provide a public response
Consumer complaint: The problem is with EXPERIANTo know my score I paid {$1.00}, that is how they get my debit card information and they have been charging from XX/XX/XXXX to present the monthly amount of {$19.00}. Could not make it stop. 

XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX $ XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 I executed the permanent Home Affordable Modification agreement mailed to me by Provident Funding, by signing XXXX copies of the XXXX page document in front of a notary public. The modification agreement was prepared by XXXX XXXX. I then returned the notarized Modification Agreement back Provident Funding for their signature and recordingOnce the document was fully executed Provident funding was to record the Home Affordable Modification Agreement at the XXXX XXXX County Registrar Recorder. 
On XXXX XXXX, 2015 Provident Funding finally recorded the Home Affordable Modification Agreement after I filled complaint # XXXX with the Consumer Financial Protection Bureau. 
It has recently come to my attention that Provident Funding altered the signed notarized Modification Agreement that I mailed back to them on XXXX XXXX, 2015, before recording it, by inserting typewritten text on page XXXX and adding XXXX extra pages at the end of the document. 
I have attached the original notarized document that I executed, as well as the forged document that Provident deliberately altered and recorded. I have also highlighted the insertions and additions. 

I would also like to point out that that Provident Funding provided me a copy of the executed agreement that did not include the alterations. 
I was only made aware of the incident, because I retrieved a copy of the recorded document directly from the XXXX XXXX County Registrar Recorder 's office. 

I believe that Provident Funding 's actions are illegal, and constitute fraud which I why I am seeking your assistance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by phone in XXXX or XXXX by FBCS , Inc for XXXX medical debts. I asked for debt verification, and the rep danced around the issue, and suggested that we make payment arrangements on this debt that they stated was from 2009. I honestly do n't remember if this debt is valid or not, but the rep said they would send me debt verification, which ended up being a generic looking document on their letterhead, which also looked generic, with XXXX or XXXX sentences stating that I owed the debt. Before I received that, I do n't recall getting anything at all from them. The debts totaled less than {$150.00}, so in good faith, I made a payment arrangement, but told them that I wanted true debt verification information, which I never received, even after I had made a couple of good faith payments. 

My suspicion about these debts, as well as the agency, kept growing, and I became more and more uncomfortable with them. They would even call a week or XXXX prior to my arranged due dates with them to make sure I was going to make the payments. Every time they would call, I would tell them that I never received the debt verification that I had repeatedly asked for. During the last call I received, I told the rep that I was going to file a complaint against their company with the CFPB, and she told me to do what I had to do. The final straw for me was that they put this debt on my credit report, which seems almost like a bully tactic to get me to finish paying off this possibly fraudulent debt. I do n't know what to do about this, but I am livid. Will you, or can you, please help me? 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I submitted a complaint last XXXX to the CFB regarding PayPal and a dispute that I had with them from XX/XX/2006 PayPal told the CFB that they lifted the restriction on my account however they continue to place an undue burden on me utilizing the service in light of this. Frequently holding funds from transactions several weeks and issuing only generic email responses and not answering my calls when I call to complain. As a consumer this places an undue burden on me when I sell something on Ebay and have to wait an inordinate and uncustomary amount of time to receive my funds when post people receive their funds instantly from items they have sold and mailed. Yes, they even hold my funds after I have mailed and sent the items with a tracking number. This is particularly egregious because customers who purchase from the site have no alternatives to pay for products. Ebay who owns Paypal forces consumers to use their payment processing service PayPal. So I am stuck with no response from the organization and I am continuing to be punished for a matter from 9 years ago that I thought we resolved last XXXX XXXX with Case number : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received a phone call from an unknown number leaving me a message to call back XXXX. I called back. They spoke of a debt that was from XX/XX/XXXX -XX/XX/XXXX? I live in Colorado statue is 6 years. They said that there will be a court hearing on XXXX XXXX. I looked it up and I do not see it on the docket. They also said that the sheriff 's department would be serving me. I called the sheriff 's department and they do not have a record. When I call the number I speak to the same person over and over never identifying themselves.They are demanding XXXX payment via credit card or money order by tomorrow to stop the court process. But as a law office they do n't have to tell me anything they guy was willing to work with me and offered the XXXX payment and XXXX other payments. I believe this is a scam cause I ca n't find that phone number listed to any law offices in the nation. 

Company response: Company chooses not to provide a public response
Consumer complaint: WelI have been trying to get a mortgage loan modification since XXXX of XX/XX/2013 on my XXXX mortgage, from the same lender and I have not gotten anywhere with this lender I keep sending in information every XXXX days because they tell me to fill out a application every XXXX days.It has been absolutely mind boggling why they keep stalling me for this long, I know they receive money for each time I fill out this application for modification loan. XXXX dollars I keep talking to different people every time I call, I have requested for a manager or supervisor to contact me that never happened, I 've ask for a new representative XXXX different times now and they all react the same way do n't communicate you have to continually call them my account has gotten to about XXXX dollars behind now. I was told to file a complaint against this company for all the stress that they are taking me through concerning this loan my wife is not making the money we used to make an so we ca n't pay the amount that they are asking us to pay and so we had a modification for our XXXX loan through usbank, and now it seems as though they wish not or want to string this XXXX modification out for as long as they can and its just not right I have filed a complaint with usbank escalation dept. and I was sent a letter from usbank and was told that if I filled out another application that they would escalate the process that was XXXX again XXXX months ago I have not heard anything at all I have had it with usbank! 

Company response: Company chooses not to provide a public response