AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Turning point solutions called my home my cell AND my adult daughters cell who I have no idea how they got her number. They did not identify who they were representing but did threaten me that they can do whatever it takes to get their money. They also block their calls. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While attending XXXX University online, I was told that I needed to obtain a GENESIS LOAN in the amount of {$7500.00} but with the interest rate by the time I pay it off, it will be over {$10000.00}. I was then told a month later that I did n't need the loan, the financial aid department just did n't pull my financial aid in time and they could n't pull them in past time. So now I am stuck with a private loan that I never needed just to attend XXXX University when it was owned by XXXX Colleges in XXXX 2013. I was looking online and noticed that XXXX had to forgive {$480.00} XXXX in Genesis Loans however I was never informed of this -- so where is my forgiveness? How do I get forgiveness for a loan I never needed and can barely pay for? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have received several phone calls from Capital Management Services. I do not know who they are but researched them on the internet. They never leave a message so I 'm not sure what this is about so I blocked their calls on my cell phone. Now they are calling me at all hours at work! I 'm afraid this will jeopardize my employment! I have asked them nicely not to call me at work but to send me information to my home address but they have not done that. I need them to stop before I lose my job. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, 2015XXXX : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. Experian Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. 

Since you now have acquired this inaccurate disputed account. I have never been notified by XXXX XXXX XXXX of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. I request an investigation for this re-inserted inaccurate account. 

Company response: Company chooses not to provide a public response
Consumer complaint: The city of XXXX XXXX sent my name to collection for {$240.00} with XXXX XXXX. They called to collect. I advised them that I have never been in or near the city of XXXX XXXX and asked them to provide the information regarding the amount they are trying to collect from me. They were provided with my address information and the information was never sent to me. They have added this as a new collection to my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: i obtained a copy of my credit report # XXXX from Experian. It shows XXXX hard credit inquiries ; XXXX of them I never requested or have any knowledge of the companies. Some of listed XXXX times for the same day, i.e. XXXX XXXX, XXXX XXXX, XXXX, XXXX 's, then another inquiry from them XXXX XXXX, XXXX. I did not apply to XXXX for credit. XXXX XXXX XXXX 's on XXXX XXXX, XXXX for XXXX XXXX XXXX. then for XXXX XXXX XXXX. I did apply with either XXXX of these companies. XXXX Bank inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, again. I did apply to or through a company associated with XXXX Bank. XXXX XXXX I have no idea who this co. is but I have no association with them. XXXX XXXX Bills on XXXX/XXXX/XXXX, never applied to them. Experian XXXX 's on XXXX/XXXX/XXXX, then again on XXXX/XXXX/XXXX. Why are they showing up XXXX times as a hard inquiry on my credit report, from them? This information is inaccurate, at best. Note : I previously had accounts with XXXX and XXXX but they were legally discharged under a XXXX bankruptcy shown on the credit report. I have not had any accounts with them since then and there is no legitimate reason to show active credit inquiries from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: The only reason i knew of this debt was in existence was when my bank account took a hit and was marked frozen. I was never contacted or pursued. They sued me in Nj. I was informed it was a XXXX account from XXXX acquired by them in XXXX. I was told that XXXX was a client of theirs and i would have to prove a case of identity theft and submit an affidavit of fraud, a police report, and proof or residency from XXXX - XXXX. I feel im being put trough a wild goose chase to prove this is not my debt. I have not lived in the state of Nj since XXXX. I find it is nearly impossible to provide such information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Over a year ago I had an account with XXXX. I was more than dissatisfied with there service to say the least, so I cancelled. I paid my debt and moved on. XXXX then sent me to collections for a debt that was Invalid. The debt was removed from my credit by all three credit reporting agencies due to it being invalid. In the past year XXXX has given this invalid debt to XXXX collection companies that I have had to fight and prove the debt was invalid. The first was XXXX, then it was XXXX collections, XXXX collections, and now Eenhanced recovery collections out of florida. I have just filed XXXX complaints again with the XXXX and am now seeking legal counsel for there harassment. Please look into there unethical business practices. Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Roundpoint failed to pay the yearly premium for our homeowners insurance that had been coming out of our mortgage monthly payment. Upon calling them several times, we found out that they " forgot ''. In order to reinstate our home owners insurance, we had to pay a fee which we are now fighting to get back from Roundpoint. Today we made several unsuccessful attempts to speak with someone regarding this matter but were continuously rerouted, hung up on and given the run around. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: In XXXX, XXXX, XXXX sold my HELOC to Green Tree. Starting in XXXX, XXXX, I have had nothing but trouble with them. First, they told me I 'd missed the first payment and that I had a balance from XXXX that was sent over with my account. A manager at XXXX ( I wish I could remember his name ) had me on the phone while he tried to call management at XXXX XXXX to tell them that, in fact, I did not have a balance. All XXXX times, he got voicemail, all XXXX messages went unanswered. 

Over the years, GT has said I am in arrears, they have charged me a small fortune in late fees, that I do NOT owe, charged me for some Corporate fee they say was sent over from XXXX. XXXX reversed that charge in XXXX. 

About a month ago I get a veiled threat on my monthly statement that if I do n't pay up, they can exercise their right and seize my property ... over less than {$700.00} that I do not owe! 

A few weeks ago I called, again, to dispute these charges. I spoke with XXXX in the collections department. I kept insisting I do not owe this money. At THAT time, I told her I pay, and have paid, this account in the same fashion, on the same date, since its inception. She stated that I was fine until XXXX XXXX. When I asked what happened in XXXX of XXXX, she could n't tell me! 

When I called again a couple of weeks ago, I spoke with her, again. She stated that I missed the XXXX XXXX payment and made a double payment in XXXX. She stated I also missed XXXX XXXX payment but did n't catch up. I have my Bill Pay records to prove differently. All payments have been made, on time, to Green Tree. All the while they have been telling me, and charging me, I am a month in arrears. 

Today I sent certified letters to both of their locations in XXXX and XXXX. I enclosed copies of my Bill Pay records and the statement from XXXX that the {$40.00} fee had been reversed. I told them I expect a corrected statement of my account within 10 business days of receipt of my letter. 

I do not have great faith these sleazy crooks are going to back off any time soon. I did some further research and found that you, and the XXXX, took them to task and in XXXX of this year, they were fined and guidelines they are to follow, laid out. 

I am here to tell you, they are still practicing their dishonest protocol and I am reaching out to you for support. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A report on Transunion shows that I owe money to XXXX XXXX. I have never had a vehicle towed so this is not my bill. I tried to file a complaint on Transunion but their complaint website was n't working. There is a collection agency trying to collect : XXXX XXXX XXXX for {$3000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Even though Wells Fargo states that they include pending bill pay transactions in their available balance calculations they do not. A user must remember that they have a Bill Pay and visit the Bill pay web page to see the actual available balance. This calculation is n't even available on mobile so a user has to visit the bill page pending transaction page and hand subtract pending transactions. I believe this way of doing business puts consumers in a position to overdraft and incur fees because they are not being forthright with the available balance calculation shown on the summary as well as quick balance web page. 

Company response: Company chooses not to provide a public response
Consumer complaint: The representative that left a message with my son said they were calling with the XXXX County Court. The rep I spoke with alluded to the fact that since it was n't him it was n't a problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was recently transferred to Shellpoint Mortgage Servicing. I was given the phone number ( XXXX ) XXXX. When I try calling them, the greeting " All calls will be recorded '' is played, then the call disconnects. This has been going on for several months. I 'm also unable to create an online account. I need to discuss this and other issues with them. I 've been making my payments via USPS XXXX so I have proof of delivery, but this should not be necessary. It need the means to communicate with this company. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. 
I just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: First Cash Call never ever thoroughly explained my interest rate nor explained to me how long it would take for me to pay it back. I fully remember when I took the XXXX loan, the rep told me it would be XXXX a mth and for me to do the math and figure out how long it would take. I took it out in XXXX, have paid it every month on time and today I noticed I still owe XXXX. I asked them how is this possible, and they responded with I should have read the contract with XXXX of their reps. I was deceived and taken advantage of by that first phone call with them. I asked questions but they have lied since that day one call I placed to them. Secondly, I asked they take the $ money out on the XXXX, but no, since XXXX they 've been taking the money out on the XXXX. I called and spoke to them on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and today, all for the same reasons to please do not take money out til the XXXX and they have ignored my every request. Today I called my bank to put a stop payment on these jerks, and if I do decide to pay them back I will on my own terms, but having been lied to, deceived, and taken advantage of, I 'm leaning on never giving them a dime again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: PayPal limited my account. They claimed I 'violated their user agreement ' -- but would not tell me how I did so. I 'm not aware of any violation. I have {$600.00} in the account and PayPal will not release it for XXXX days -- saying that they need to hold on to the money in case of 'charge backs '. But I have no pending transactions and I 've not sold anything using PayPal for months. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Complaint about use of excessive exchange rate for international wire transfer!! 
This is regarding a wire transfer to a ( my ) international ( XXXX ) bank account. In addition to a fee of US {$35.00}, BoA uses an exchange rate US Dollar/XXXX of XXXX, which appears excessive given the actual traded exchange rate of about XXXX. 
Info of wire transfer is as follows : Transfer Date : XX/XX/2015Confirmation number : XXXXOrder number : XXXXFrom : Adv Tiered Interest Chkg - XXXX : XXXX : ( XXXX XXXX XXXX ) Transfer Amount : XXXX XXXX. 

Thank you!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Approx XXXX XXXX 2015 I made complain against America Service Company I applied for loan modified and the paper work continue to get misplace from the Agency. I was never told they denial the claim, I began with a new Contact and they continue to ask for additional paper work I send the paperworked requested, When I ask XXXX the reinstatement amount he told he could not tell me and that home was not in foreclose status, after final talking with customer service, they said it was but could not give me a amount. I think the Company does not have any intention to help the consumer.Conflicting information.Omb # XXXX previous claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a company sending a demand notice she said it is not a school loan we filed a chapter XXXX bankruptcy on XX/XX/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our XXXX house please help the name of the company is educational computer systems inc. 

Company response: Company chooses not to provide a public response
Consumer complaint: this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company