AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: An unknown representative from Financial Credit Network called my cell phone and left a voicemail asking for a return call. She did not state her name, the company she was with or that she was attempting to collect a debt. I have a no-call agreement with FCN because I have a recurring payment plan set up to pay the debt and am current in doing so. The call XXXX are unnecessary and borderline harassment. I had to XXXX the return phone number to find out it was Financial Credit Network who had called. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received correspondence from Central Credit Services LLC dated XXXX XXXX, 2015, XXXX XXXX XXXX about a debt to XXXX for {$110.00}. I had no idea that I owed this, as this was the very first thing I have received about this debt. In this paperwork it stated that if no payment was made that this would be reported to the credit bereau in 45 days. I made one payment on XXXX XXXX, 2015 for {$25.00} and was just about to make another payment when I received an alert from XXXX XXXX which alerted me to this being reported. This should have never been reported since I made a payment before the 45 day period had ended. I contacted this collection agency twice about getting this removed from my credit reports and both times I was denied. I paid the balance owed on XXXX XXXX, 2015 which was {$94.00}. My point here is I made a payment before the 45 day period ended and if you really want to get technical I paid the entire balance within the 45 day period. 45 days from XXXX XXXX is XXXX XXXX. I feel I am being treated unfairly and I would like this removed from my XXXX, XXXX & XXXX reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been summoned to small claims court over a debt for a doctor bill. I had been paying on the debt the best I could and it was turned over to a collection agency. The collection agency has sent me XXXX letters and I have received no phone calls. The amount of money that they say that I owe is more than the agreed amount that I had arranged with the doctor. In the XXXX bill they sent me was in XX/XX/XXXX and the doctor bill was inflated by about 300 dollars and there was a hospital bill that did not belong to me from 2004. The next bill I received was just for the doctor bill ( still inflated ) and there was a threatening note above the statement that stated : We have tried to contact several times and you ignored us, so unless you respond we are going to have to file suite . So, I responded. They did not like my response so they served me papers. I had offered to pay the amount that I owe but they would not except that offer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When a corporation, bank or any institute checks on a credit rating, and then denies one because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past XXXX years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. XXXX XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXXTo Whom It May Concern, I did not receive notice of my right to dispute a bill nor did I receive proper notice that I owe a debt before it was sent to collections. 

I went to XXXX in the XX/XX/XXXX seeking medical attention. The staff there informed me that after viewing my insurance the matter would be taken care of by my insurance company. Even after I called and the person on the phone assured me the visit would be no more than {$100.00}. 

In XXXX of XXXX I received notice from the Bonneville collection agency that I had an outstanding debt. The debtor was unrecognizable to me because I had not gone to the doctor in over a year and I did not recognize the name, XXXX. So I thought it was a scam. 

After receiving another notice and about XXXX strange phone calls I called to ask who they were and why they were bothering me. That 's when I was informed of a bill from XXXX. I asked XXXX to send me documentation. They sent a bill dated XXXX XXXX, XXXX. That 's all they had. 

Then I called XXXX to ask why was n't I notified of a bill so I could pay or dispute it? I also asked them to send me verification that they attempted contact me or submitted this information to my insurance company and also, why was this bill so high? 

XXXX simply sent me the same XXXX XXXX, XXXX bill that Bonneville Collections had sent me. They had no more documentation.. 

I have since spoke with and written emails to XXXX, XXXX, XXXX, /Mercedes, and XXXX at XXXX asking them to withdraw this Debt from the collections agency and give me time & proof that this is a legitimate bill. I have been ignored. 
Since this business has chosen to ignore me and my plea for assistance would you please intervene? 

Sincerely, 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2008, I am requesting this be removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) We have verifiedthat this public record item is reporting correctly. If you have additional questions about this item please contact : XXXXI have disputed this information with transunion, as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However transunion is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with transunionbelow was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXXSatisfied Judgment Filed XXXX ; XXXX XXXX XXXX Court ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XXXX ; Verified XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to unforeseen hardship during XXXX semesters of my XXXX career, the federal financial aid and tuition assistance by my employer was not enough. After being declined by my local bank I resorted to taking out a small ( {$6000.00} ) loan from the private lending company, Sallie Mae. I graduated with my XXXX 's XXXX XX/XX/XXXX and 2 months ago ended up losing my job to due lay-offs. 
As soon as I lost my job I contacted Sallie Mae to alert them of the situation and began attempting to negotiate a lower monthly payment amount ( from {$300.00} to {$50.00} until I am able to get back on my feet ) .I have sent Sallie Mae a total of XXXX letters via Certified Mail and in response they began calling me an average of XXXX times per day, every hour, starting as early as XXXX. 
In my XXXX, XXXX, and XXXX letter I explicitly requested that Sallie Mae attempt all further communication via paper letters rather than phone messages however these requests have been ignored and my phone continues to ring off the hook and I am met with at least XXXX harassing messages threatening " something bad will happen '' if I do not call them back. 
I am not avoiding making my student loan payments and even in this financially difficult time I want to maintain an open line of communication with Sallie Mae, however I feel that their collection attempts have crossed over the line into being harassment. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have been having a significant amount of fraud on my citi bank checkings account. I asked citi bank back in XXXX to Cancel my account instead they just gave me a new debit card. In XXXX i had identity theft, my computer got hacked an all of my finacial accounts XXXX being citi bank got comporomised. Someone stole my identity and withdrew {$1400.00} from a teller. The branch is located in XXXX according to the customer service representive i talked to, to initially create the claim. Everytime i call citibank they transfer me to someone in XXXX and I hate it. I called in XXXX to make the claim and the representitive never even made the claim! I called back in XXXX to get a status update amd was told the claim was never made and so i had to wait longer to get my money back. I tried to file a police report and citi bank said they do not have the video anymore that is deleted after 30 days amd that there was no way they could help me. So they XXXX me over when it came to getting the autorities involved, the police said i needed solid evidence to accuse the people i was trying to accuse and citi bank could not provide me what i needed. I have been calling for 2 months now, I never got a letter or an email about the status of my claim and every person i talk to is incapable of doing their job. I am currently living on the couch of my sisters apartment because citibank has not given me my funds back so i can attempt to look for a place! I called my friend who works for XXXX in XXXX XXXX XXXX XXXX and he told me to take these actions. I need my money back! 

Company response: Company chooses not to provide a public response
Consumer complaint: Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to SPS to ensure SPS 's compliance with Regulation X. Despite having received a complete package from the Borrower, SPS has continued to make burdensome and duplicative requests for documents in an attempt to stall the Borrower 's request for mortgage assistance. For over a year now, the Borrower has continued to cooperate in every way possible and has continued to respond to all of SPS and opposing counsel 's document requests. Since our client has retained our services, we have submitted every document, explanation, and break down that has been requested. More specifically, we have provided the Borrower 's bank statements, your request for an explanation for deposits on the Borrower 's bank statements, and now a breakdown of each deposit by property. Each request has been in response to our production of the previous requested document. The piece meal requests are inappropriate and a violation of SPS 's responsibility to act diligently in their processing and review of the Borrower 's application. 
Furthermore, it is our contention that opposing counsel has hijacked the process from the mortgage servicer and has inappropriately hindered the review of our clients ' application. In addition, on these facts we would contend that SPS has received a complete package and opposing counsel has continued to move forward with the trial in violation of XXXX CFR XXXX. Since our client had in fact submitted a complete application to SPS at least 37 days before a foreclosure sale date was scheduled, they should not have taken any affirmative action that could cause or result in a judgment of foreclosure or a foreclosure sale. Even though opposing counsel is attempting to continue to move forward with trial, SPS is responsible for promptly instructing counsel not to proceed in such a manner once a package is received. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX AND EXPERIAN ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer XXXX . Subsequently XXXX providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at XXXX suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to XXXX up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the XXXX. All support history is attached. 
Experian is the only credit bureau who has refused correct the reporting mistakes by XXXX both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list XXXX as verified/updates with incorrect dataAttached : XXXX report of Experian reporting agency show the account status as deed in LieuAttached : Sherriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been recently denied credit based upon my TransUnion credit report. I immediately contacted TransUnion by formal correspondence to request a copy of my credit report, in full accordance with the FCRA. I also called TransUnion and a representative told me that I would have to purchase the monitoring service to receive a copy of my report. The FCRA enjoins Credit Bureaus to provide a copy of the person 's report if notice of adverse action has been rendered by the prospective creditor. 

Company response: Company chooses not to provide a public response
Consumer complaint: About XX/XX/2008, our tenants at our property at XXXX XXXX XXXX, XXXX, FL. XXXX continued to be late on their rent, as usual. As a result, we could no longer cover the mortgage payment to Wells Fargo. We called and requested to do a short sale on the property. I followed all instructions and supplied them with mountains of paperwork that they requested. In XXXX 2008 they delievered the Notice of Default to the tenants and told them they had XXXX days to move out, which they did without paying another rent payment. I coomunicated with Wells Fargo in attempting to sell the home and avoid foreclosure. I called and spoke with XXXX at Wells Fargo ( in the loss mitigation department ) on XXXX XXXX, 2008 reaffirming that we wanted to avoid a foreclosure, either by short sale or deed in lieu of foreclosure. She assured me they wanted me to complete the short sale and they did not want to foreclose. But I reminded her they had a court date of XXXX XXXX and I did n't want anything bad to happen on that date. She assured me it was not a sale date and they would postpone or cancel it because I was trying to do a short sale. She even sent me a letter on Wells Fargo letterhead detailing all of this information, that they wanted me to do a short sale and then she signed her name. Well, about two weeks later they foreclosed. What a bunch of liars. How are you supposed to work with a company that pulls this kind of stunt? We had a sizable down payment when we purchased this home just XXXX years earlier. And all of the money that we spent to update the home, all gone because they are liars. My first missed payment was XXXX XXXX they served my tenants with the Notice of Default in XXXX 2008 and then they foreclosed in XXXX of 2008. A total of XXXX months from start to finish. I wonder how much quicker they would have foreclosed on someone that was n't trying to work with them? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is claiming a medical service performed in XXXX during the XX/XX/XXXX-XX/XX/XXXX time frame is mine. I live in XXXX and had not visited the state of XXXX in XX/XX/XXXX or anytime before that. I have had no medical services performed at XXXX ( or XXXX for that matter ) nor have I ever visited XXXX hospitals anywhere else. Furthermore I have had insurance coverage through an employer sponsored medical program most my adult life ( including the XX/XX/XXXX-XX/XX/XXXX time frame ), and would not have elected an out of pocket service. The debt XXXX is claiming is not mine and needs to be removed from my credit report immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: my mother moved in XXXX homes in XX/XX/XXXX or XX/XX/XXXX, she is a XXXX patient an at the time could n't stay alone so i moved with her pregnant and could n't work at the time i was told being over the age of XXXX i had to sign the lease as well, later in the months my mother told me to leave her home, after wards she moved out months later, me not knowing she owes anything, now i am trying to get an apartment but national credit is saying i owe as well as my mom XXXX dollars she is living on XXXX and cant afford the debit but its stopping me from getting an apartment because they keep denying my disputes and continuously applying it to my credit report i do n't know what to do about this i contacted the XXXX housing authority but they said they apartments were demolished years ago an they do n't keep those files any more its not them looking for those payments but the collection agency is please help 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sallie Mae makes it difficult to apply my extra payments against the highest interest loan. I have complied with their rule to send instructions with each payment. I send a separate piece of paper with instructions on how I want my payment applied but now they are not following my instructions. Their toll free customer service line puts you into a recording that does not give you the option to speak about billing problems. I only got an alternate contact number by choosing the option to apply for a new loan. The new contact number is only open from XXXX - XXXX. I feel that Sallie Mae is playing games so that people will give up on having extra payments applied to the higher interest loans. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I contacted Enhanced Recovery Company XXXX/XXXX/15 regarding a XXXX debt in which I was unaware of. After speaking with a reprensentative who refused to answer my questions I was transferred to a Supervisor named XXXX. After attempting to speak with him he continuously over talked me and refused accept my request of a validation yet tried forcing what he thought he knew on me and forcing me to pay the debt. I understand how cell phone plans work I 'm not stupid and XXXX had no right to deny me a validation of a debt I was unaware of!!! He even had the audacity to ask if I wanted to dispute it or if I wanted a validation like I had to choose between a validation or dispute. XXXX went on to say I had to send the dispute in writing or nothing in his office will be done. Why was my right to dispute this debt and request a validation denied by this company? Why was I forced to choose between a validation or dispute? The notices says dispute the validity of the debt within 30 days or it 's assumed mine. The letter does not state it has to be sent in writing so why was XXXX trying to force me to send it in writing when I clearly disputed it verbally various times? Section 809 of the FDCPA does only require that the collection agency validate in writing when the request for validation is done in writing. But as per the notice I received there is no specific request nor requirement of the dispute or the request for validation to be placed in writing so therefore I feel as though this collection agency is poking fun at the FDCPA. Thus being unfair and violating my rights as a consumer as well the collection agencies that put forth the effort to maintain compliance. Being that a dispute and request of validation are both a form of a dispute they still need to be treated differently as well as investigated properly which this company refused to do. I also have everything recorded. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have several accounts, inquiries, addresses, and name aliases that are fraudulent and incorrect i have a police report with the officer information XXXX badge # XXXX report number XXXX along with id theft affidavit notarized and my social and driver license .... please review this info ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello. My name is XXXX. I took out a payday loan through a company called XXXX. I went through a company called XXXX XXXX to mediate a settlement and they took money out of my account for 7 months and it was to go into an escrow account. Needless to say I paid for services I never received and they are no longer in business. Long story short I took out a loan for {$3400.00} on XXXX/XXXX/13 I mad a total of 12 payments for a total of {$3200.00} and I tried to mediate a settlement through XXXX XXXX. Now I am being bombarded with phone calls from XXXX XXXX XXXX ( XXXX ) XXXX. The interest is extremely high and at the end of the day 13 payments later I would have paid {$7100.00} with interest being {$3700.00}. Do you represent this type of cases? Do I need an attorney? Is there room for compromise? These people are trying to serve me papers, there is a person that text me and when you call back there is a lot of threats, as well as from the phone calls. They have turned it into collections of which has been recorded on my credit report. It 's a night mare. Please advise if you could help me and what fee 's will be. Thank you, XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This company is reporting false negative information about me to banks and credit card companies and it 's interfering with my being able to open an account. When I contact the company, they are rude, insulting, unprofessional and provide no help whatsoever. They are also very insensitive towards me and the problems this is causing. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to banks. They do n't care about anyone but themselves. There are virtually XXXX of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewXXXX 

Company response: Company chooses not to provide a public response