AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an account on my credit which was investigated by the credit bureau ( Experian ) and concluded. The dispute was concluded. The Creditor company, XXXX XXXX XXXX XXXX, concluded that I owe them for early termination of the account even though I canceled the account in less than 30 days of opening and returned their credit card processing machine to them. I contended that I do not owe them since I canceled the account on time and returned their equipment to them. They insisted that I owe them and concluded the dispute. 
However, they left a dispute comment on my Experian credit as if the dispute is still active even though it has been concluded. I want them to remove and delete the " dispute comment '' from credit since it has been concluded by them after the investigation by Experian. It is holding and preventing me and my wife from our mortgage application process. The banks and mortgage companies said they can not proceed with our mortgage application with the " active dispute comment on my credit. '' I need them to remove the dispute comment only and not remove or delete the account since they insisted that I owe them. The credit bureau ( Experian ) said that it has to be removed by the creditor company since they put it there. The XXXX XXXX XXXX refused to remove it even after I requested them to do so through Experian several times. 
I called the XXXX XXXX XXXX on XXXX/XXXX/15 and spoke the Account XXXX, XXXX XXXX, about removing the dispute comment. She agreed to remove it at start of our conversation. And she concluded with me that she will recommend to Experian to remove it. However when she requested that I pay the debt and I said that I could not, she became angry and probably do n't want to remove it again as she agreed to. It is on record that she initially agreed to remove it as they recorded our conversation. 
I have waited since XXXX/XXXX/15 when I spoke to her up till today XXXX/XXXX/15, ( I just spoke to her again ) and she has refused remove it. She referred me back the Experian to remove it. I called Experian again today and they insisted that the creditor has to remove it. Hence this complaint. The dispute comment has been on my credit since XX/XX/XXXX and has prevented me and my wife from proceeding with our mortgage application. We intended to buy and move into the home by now but we are being stalled by the dispute comment. 

PLEASE HELP ME AND MY FAMILY TO PREVAIL ON THE XXXX XXXX XXXX XXXX, FROM PUTING A HOLD ON OUR LIVES BECAUSE OF THE DISPUTE COMMENT ON MY CREDIT. 
Thanks. 
Sincerely, XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been experiencing some financial hardship and contacted my loan servicer who is acting in behalf of XXXX XXXX XXXX bank. I have audio recorded evidence that the servicer has been engaged in " dual tracking '' and also has purposely caused delays since I have requested a modification. I am less than 60 days behind having made a payment recently. I was sent a default notice by the servicer twice. I have contacted the servicer and they say they are looking into what modification programs I might qualify for while at the same time continuing with forclosure procedures. They have violated the CFPB 's rules that require that a minimum of XXXX days delinquent before they can proceed with any type of foreclosure process. They are " dual tracking ''. They are trying to delay the process by saying they have not received all of the paper work. I can prove they have attempted this by the audio recordings I have of the calls I have had with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15, I received a bill from Genesis Lending stating that I still owed {$0.00} when I thought I had already paid my loan off completely.As a result, I check my account online under the history and realized that I was chareged ( XXXX ) {$25.00} fees for a total of {$200.00} that I was not aware of. On XXXX/XXXX/15 at about XXXX Eastern time, I called Genesis Lending at XXXX and talked to XXXX XXXX I informed XXXX that I just received a bill from Genesis Lending for $ XXXX.She advised that my account is completely paid off and she will waive the $ 0.01.Informed her when I checked my account online, it showed that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} that I waw not advised of.She indicated that they were late fees.Informed her that I was still in school at the time when the late fees were charged.She adivsed that I was still responsible for the interest 6 months after the loan origination and ususally it is a couple of dollars per month.Informed her that I was not adivsed of it and I did not receive any statements or bills.Asked her if the fees could be refunded.She adivsed as far as credit reporting goes, there was nothing she could do becasue they were already reported to the credit buerea.She then asked a supervisor to see if the {$200.00} fees could be refunded.She came back and advised her supervisor XXXX said no.Asked to speak to XXXX.Informed Operations Manager XXXX that I was not adivsed that I had to pay for the loans and I did not recieve any statements or bills.Asked him if the statements were sent to XXXX XXXX.He indicated yes, and advised that XXXX University should have informed me.Informed him that I was also not advised that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} and I never recieved any paperworks showing such.Asked him to refund the {$200.00} fee.He advised that my account is now completely paid off and by refunding the {$200.00} fee, it would put my account into negative and they would have to credit me the {$200.00} which they could not do since they are only the loan servicer. ( XXXX ) of the {$25.00} were refunded. There were un-authorized charges on my account and Genesis Lending failed to provide statements showing charges, interests, payments and credits as per requested in my previous XXXX responses. Please be sure to provide statements showing such since the loan origination date. Alternatively, please be sure to send a refund check for the remaining balance of {$120.00} plus any interests to my address on file. ALSO, I keep on getting emails and mail indicating that I need to pay my student loan. Please be advised, my loan is completely paid off. Please update your file to reflect this so I do not get further emails or mails. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have been disputing a judgement for over a year. The judgement has been paid since 2013. Every time I dispute the judgement showing not being paid the results are that the company who placed it there verifies that it is correct. After a few attempts to dispute this through the credit bureau and getting the same result every time I contacted the court that the judgement went through and the company who placed the information on my credit report. The court says the judgement has been paid and they sent the paperwork stating such to the company who filed the judgement. I then contacted the company who filed the judgement and they confirmed that the judgement had been paid. They sent me a letter stating such so that I could provide documentation to the credit bureau. I sent the letter to the credit bureau and the response I received was that they could not use it to make the changes and would have to verify the information with the company who provided it. I am not sure why the company who put this on my credit report is still verifying it as correct, if they are in fact verifying it as correct, or why they did n't update my credit report in the first place. Every time I have to correct a mistake, correct an account, etc. I have to provide documentation such as drivers license, proof, etc. and sometimes even that is not enough, while the company who put the information on my credit report or is verifying the information only has to do so verbally. 

Company response: Company chooses not to provide a public response
Consumer complaint: FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 my mortgage company Wells Fargo Home Mortgage made an unauthorized payment to my account of {$2000.00}. without my consent. I called the mortgage company immediately after learning about this problem. I was told on XXXX, 2015, an outbound call was placed to my residence and a male answered the phone. The representative asked the mal if they were authorize to make payments on my loan. The male said, " yes ''. I am the only person on my loan, sole owner of this property without any third party contacts or co-borrowers. As a result, my bank account was overdrawn by {$1000.00}. I was informed by XXXX from Wells Fargo Mortgage that a previous representative made an outbound call to the home and used my previous banking information that was on file to submit the transaction. The male that they are referring to is my son, whom does not know my banking information or any of my personal information. The representative failed to use proper protocol procedures and failed to abide by XXXX Law. I was told that this is a negative on my behalf and can be sought out to be writing bad checks. I requested a reversal of this transaction, I was told it will take 3-4 business days but there will be several ( 4 ) insufficient fund fees totaling {$140.00} that would be charged to my account not along the outstanding fees from the other companies. I am requesting that my money be refunded back to my account, all overdraft fees be waived, and that they pay for the company insufficient fund fees along with a letter of resolution and my credit report clear from this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America shows on my recent statements from the last couple of months that there has been atm withdraws on my checking account. Informed the bank several times about this issue and asked for my atm pin number to change. Tryed and get this resolved with the compnay but it has been denied every time. The transactions was also done while I was at work and sometimes several times a week. Filed a police report but the officer was n't able to get the footage form the bank. The bank looked into the cameras and found no evidence on the time frame on what my bank account shows. I informed the bank that I have never been to an atm to withdraw over XXXX at a time when I have bills to pay of my own. I have lost over XXXX with in the last few months. XXXX dispute was XXXX dollars and the other disute was almost XXXX dollars. Still nothing is going on and they informed me that the atm pin was used without an inguire made. I asked to switch atm and atm pins number of times and was also informed that I never called in at the time that I saw this going on. Hoping I will receive all of my money that I have lost in the last few months and I have already switched to different bank account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed late payment ( s ) on my credit report that we 're from XXXX XXXX ( XXXX XXXX ). 

I contacted XXXX XXXX and they sent me a letter stating that they would contact the credit bureaus and have the negative remarks removed within 90 days of the letter they sent me. 

They never had these late payments removed as promised. 

I have a copy of the letter that I will attach to simplify this complaint. 

My goal is to have these late payments removed from my reports as promised. 

I have attempted to contact XXXX XXXX again to have them correct this. They have not and stated there is nothing else they can do. 

I have sent certified letters to all XXXX credit bureaus containing the letter from XXXX XXXX specifically stating these late payments should be removed. They refuse to remove them. 

I spoke today with TransUnion and they told me that " Documentation from XXXX XXXX '' is not sufficient for them to remove these late payments. 

That is insane. There is nothing more official that could be presented. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE SENT CREDIT BUREAU ASSOCIATES 3 REGISTERED LETTERS IN REGARDS TO AN UNKNOWN ACCOUT ( XXXX ) THEY HAVE PLACED ON MY CREDIT. TO DATE IT HAS BEEN 7 MONTHS AND THEY HAVE NOT RESPONDED TO ME BUT THEY STILL REPORT THE DEBT. I HAVE A POLICE REPORT ON FILE WITH THE XXXX POLICE DEPARTMENT. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have alerts set up on my Bank of America checking account to let me know when I have insufficient funds. I never receive these alerts until AFTER Bank of America applies overdraft protection and then charges me for it. I am not given the opportunity to correct my account because it 's not brought to my attention until after the fact. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the collector and made arrangements to pay the debt he contact my work repeatedly, in the same hour. Then proceeded to contact people i havent spoken to in years on my XXXX account asking them to contact me and tell me to be home because im going to be served papers to go to court. All in less than XXXX hours of making payment arrangements.. that I called to make! this is harassing and embarrassing. 

Company response: Company chooses not to provide a public response
Consumer complaint: this company has placed a collection account on my credit but the debt does not belong to me and it was not validated. I have sent this company certified letters since XXXX 2015 and they continue to ignore me and report the unknown account on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I went to XXXX, located at XXXX XXXX XXXX, XXXX, NJ, and purchased a XX/XX/XXXX XXXX XXXX. On this day I gave XXXX XXXX " XXXX '' XXXX a personal check in the amount of {$2300.00}. On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX and was advised that I had to return to the dealership and resign the documents, which I did. I noticed that the documents ( Bill of Sale ) I signed were under the name of XXXX Auto Sales. XXXX XXXX stated he and XXXX XXXX were partners and that as soon as they receive payment of the remainder of the money, I should get my permanent plates and registration and that the original title would be forwarded to the lien holder or given to me, depending on how payment is made. On XX/XX/XXXX, I went back to the dealership and gave XXXX XXXX and XXXX XXXX a cashier 's check in the amount of {$23000.00}. On this date I was advised that I should receive all documentations and permanent plates within two to three weeks. This was not the case. I called and texted XXXX XXXX and XXXX XXXX, on many occasions and requested the documentation and plates or my money back, plus interest, to no avail. 
On XX/XX/XXXX, I made a complaint with the New Jersey Department of Motor Vehicle, Investigations Department, which is being investigated by Investigator XXXX. On XX/XX/XXXX, I went to the XXXX Police Department to file criminal charges against the Dealerships ( XXXX and XXXX Auto Sales ), XXXX XXXX and XXXX XXXX. On or about XXXX, I met with Detective XXXX of the XXXX Police Department and filed a Theft by Deception charge against XXXX XXXX " XXXX '' XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX Auto Sales ). 
On Saturday, XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the previous owner lienholder. 
On Monday, XX/XX/XXXX, I called Ally Bank and spoke with XXXX. I provided her with copy of the Bill of Sale and the checks. I received a return call from XXXX XXXX ( sp ) and was advised that they could not release the vehicle as they ( Ally Bank ) have not been paid. She also advised that the vehicle will be put to auction within 15 days from the repossession date. I tried working with Ally Bank to see if I can get the vehicle back as I need to get back and forth to work. She 's stated that she was sorry, but to there 's not much she could do. 

Company response: Company chooses not to provide a public response
Consumer complaint: A complaint was submitted on XXXX/XXXX/2015 ( XXXX/case # XXXX ) regarding Arnold Scott Harris , P. C. I received a collection letter dated XXXX XXXX, 2015 Notice # XXXX Account # XXXX Installment Payment {$24.00} Payment Plan Balance {$300.00}. This issue was suppose to have been resolved in XXXX approximately 4 months ago, and yet I received another collection notice which is n't for me. The individual is XXXX whom I do not know. I 'm certain in a 4 month period Arnold Scott Harris, Attorneys at Law could utilize better methods of locating the correct individual if need be. This issue was extremely stressful to me 4 months ago, which apparently was all for nothing and time consuming but I still have to do my part to inform this office since I 'd done so prior. 

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