AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: a couple of days before XX/XX/2015, I rceived a phone call by someone asking me to pay a debt for an unrecognised source. I asked them to send me the information to my house and provided the home address. They said they will send it to the collection agency. I said I am ok with that since I have no idea what they were talking about. Today I received the letter and it is by ProCollect Incorporated in XXXX, Texas. I called the number they provided but one operator answers and forwarded me to no answer. The name of the creditor is XXXX XXXX XXXX. I never lived in these apartments. As I saw and reserached online that creditor I understood immediately that : 1 ) they contacted the wrong person or 2 ) it is a fraud I would like to stop this and I was forwarded to this site by the ftc customer service. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bloomingdale 's card - I purchased items from Bloomingdale 's online site using my bloomingdale 's card. On XX/XX/XXXX I returned the items ( they were properly received in time ), and called them to confirm receipt. During the call, they asked whether I wanted to receive gift cards or have the credit card account credited. I specifically mentioned that I did not want gift cards, and wanted the credit card account credited. Instead, they sent gift cards. I have been on no less than 7 calls with them since to get this resolved, and each time I have been told it has been resolved ( ie, the gift card cancelled and credit card account credited ). However, after each call I have continued to receive calls from Bloomingdales stating " this is an attempt to collect a debt ''. Now Bloomingdales has notified the credit reporting agencies that my account is delinquent, right as I am in the process of applying for a mortgage. I have spend no less than 10 hours on the phone with Bloomingdales to date trying to resolve what should be a simple issue. 

In addition, I have told Bloomingdales twice that I wish to register a formal complaint, but no one has taken my complaint. Therefore, I am requesting the CFPB to get involved - I need help! Most importantly, I need this removed from my credit report ASAP, so that I can continue my mortgage application process. 

Thank you! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Collection agency inquires on my credit report without permissible purpose. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent a wire on XXXX XXXX, 2015 to Green Tree Serving LLC, in the amount of {$530.00}, to payoff balance. My XXXX payment of {$150.00} was debited from the account on XXXX XXXX, 2015. I received a reimbursement dated XXXX XXXX, 2015 and I deposited the check into my saving account, on XXXX XXXX, 2015. They placed a stop payment on the check XXXX XXXX, 2015. I have been calling for almost a year to get my refund. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I tried to cash a check from the XXXX XXXX XXXX XXXX ( my husbands work credit union ) at XXXX on XXXX/XXXX/2016. It was declined. I came home and called the credit union and they assured me that the check was good. We tried again at XXXX ( our bank is closed on Saturdays ), again the check was declined. I have called Certegy customer service over and over again. I have never spoken to a live person. All I ever get is a recording and then I am put on hold. Endless hold, for hours at a time. My husband and I never write checks, we use a debit card all the time. The only thing that I can figure out is that we do n't meet Certegy 's criteria, because we do n't write checks. What in the world does that have to do with us cashing a check?? This seems terribly unfair to me that we are being punished and unable to cash a check at a business that offers check cashing just because we do not write a lot of checks. It is horrible that they can decline to cash your check and they do n't have to tell you why. This seems illegal to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I cancel the service of broadband with XXXX on XX/XX/XXXX and transfer my provider to XXXX. 
After numerous call in regard canceling of the service and returning device XXXX install for my connection to the broadband. ( I pay rent for more than 5 year every month for this device the cost of it on the invoice. is {$70.00}. ) I personally drop of the device at XXXX Now on XX/XX/XXXX I received a debt. collect invoice. from ERC for {$190.00} I call this company and I war refer to XXXX to dispute the the charges. 
XXXX will not talk to me if I do not give them my SS number, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a mattress at Macy 's in XXXX XXXX, CA on XXXX XXXX, 2016. The mattress was too firm and we called the salesman on XXXX XXXX, 2016 and requested an exchange to a less firm mattress. The salesman, XXXX XXXX XXXX, told us the cost to exchange was {$220.00} and charged our account over the phone. When we received the bill in the mail today, XXXX XXXX, 2016, the charge was well over {$400.00}. We agreed to the price difference of {$220.00} verbally and the charge was for a far greater amount. We have been mislead and deceived. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The correct high balance that was sent to the collection agency has not been reported. The collection agency reported a different amount than what the documentation says. The collection agency did not report the amount that the original creditor provided them with. The collection agency reported XXXX different amounts of {$950.00} and {$1.00}, XXXX. The company is named reliant capital solutions llc. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company in question ( DiTech, formally Green Tree ) not only calls and harasses me on my home phone ... but they call my cell phone, the corporate office for my place of employment and leaves harassing messages on the main voice mailbox, leaves messages on my personal line at work, has left more than a dozen messages on the business line for my brother in laws business, left messages at my mother in laws house, and my husbands uncle and cousins ' houses. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hard Pull on my credit report - I did n't contact or authorize XXXX to do hard pull credit check and do not know what this is for/from - I am concerned about identity theft, I do not have anything other than the hard pull I did n't initiate to suggest ID theft, so I 'm just worried. 
Details of the hard pull, date, and address of company XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The mortgage is a 50 year mortgage with a 30 year balloon. This mortgage is an Adjustable Rate Mortgage. I was told it was a 30-year loan and it is not. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND XXXX AND PROBALY EXPERIAN STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a co-signer for a student loan through Wells Fargo Bank. We are having trouble making our payment. The bank is making any effort to " restructure '' the loans impossible. We would like to combine them into XXXX loan with a fixed rate. I do n't know what to do. 
The more I look deeper into this, I 'm realizing we were giving bad information by my sons college / financial department. Steered towards Wells Fargo. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i have an us bank credit card and i have been charged excessive fees on my account and tried to settle the account due to a family crisis and called US BANK to get som assistance with payment options and was informed that i could n't get help this account has ruined my credit and have n't helped me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I found this address on my credit report and i have never stayed in Colorado i think somebody trying to open an account using my information XXXX, CO XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Dear Sir or Madam ; This complaint I am filing is against my servicer America 's Servicing Company. They violated the dual tracking laws. In XXXX they told me I can apply for loan mod and I did. I faxed them my loan modification application on XXXX XXXX. After 2 weeks of waiting for them to reply they told me that they cant accept my application because they posted a sale date for XXXX XXXX. America 's Servicing Company was the one who contacted me telling me that I was eligible for a loan modification and to send my application in the meantime they were foreclosing on me. They violated the dual tracking laws and lied to me. I plead with the Consumer Financial Protection bureau to protect me and investigate my servicer for acting in bad faith. 

Company response: Company chooses not to provide a public response
Consumer complaint: An account is still showing a balance after being paid. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I took out a loan ( {$480.00} ) with Fortiva XXXX company for an iphone that was merged with XXXX company. The loan was for 6 months at {$35.00} per month beginning XXXX/XXXX/2015. I made my payment through my online banking system XXXX ( XXXX XXXX XXXX XXXX XXXX, the online banking sends a check ( check # XXXX ) was mailed to Fortiva XXXX in the amount of {$100.00}. The address mailed to was XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Fortiva company cashed the check and it cleared in my bank account on XXXX/XXXX/15. Company sent a text on XXXX XXXX, 2015 saying that my payment was due on XXXX/XXXX/2015. I contacted the company on XXXX/XXXX/2015 and spoke with representative XXXX, and informed him that my payment was sent and check cleared in my bank on XXXX/XXXX/2015. He asked me to fax a copy of the check that cleared in my account. I faxed a copy of cleared check to Fortiva Research department fax # XXXX immediately ( XXXX/XXXX/2015 ). I followed up with a call to make sure they received my fax. They confirmed that fax was received. I followed up a few days later again, and representative told me that it 's still in payment research. Today, XXXX/XXXX/2015, I received a call from the representative saying that they did n't receive payment and it 's past due. I spoke with supervisor XXXX XXXX and he assured me that this issue will be cleared up in a day or two from him personally and he will give me a call back. I 'm filing my complaint now because I read online that someone else had the same issue with Fortiva XXXX and they have ruined their credit. I 'm taking precautionary measures before this is reported on my credit account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The collection agency and the rep holding my account ( XXXX ) refuse to disclose the verification of the debt. I reached out to the original creditor who confirmed that the information on file is incorrect. When I call, the operator says XXXX is away from his desk and no one else can help me with my account. This has been going on since XX/XX/XXXX. My initial contact was XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i was checking my XXXX credit report and i found a collecton account on my credit report with amount : XXXX I didnt use this service and i didnt authorize it to be done under my social security number i contacted the original : the representive of the original creditor told me there is no unpaid bills or any bills under my name or my social security number has been transfered to the collection agency I Dispued i from my XXXX credit report and due to the invistgations it has been deleted from my transunion credit report but the Quality Asset Recovery reinserted it on my XXXX and XXXX credit report without sending me any notification - This is a violation to the Fedral Fair Credit Report ACT Section 6o9 FCRA Section 6o9 XXXX The original creditor should ask me to pay this bills before it get transfered to the collection agency XXXX This collection account has many incorrect informations as 1 - my first name 2- my last name 3- my mailing address XXXX iam already having XXXX how come to receive medical bill while iam having medical insurance XXXX I made a recorded phone call with the agent of the original creditor to as about this bills he told me there is no unpaid bills under my name XXXX here is a copy of my XXXX and recoded phone call with representive of the original creditor 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the credit bureaus with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being called repeatedly, on a daily basis, but there is never a message left. I have googled the phone number and there are multiple complaints about this company not only being a scam, but harassing others as well. I have never heard of the company nor have I ever received written communication from them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I obtained a loan from bank to pay off credit cards, a cashiers check was mailed to Macy 's to pay off credit card, the check was cashed by credit card company on XXXX XXXX, 2016 I have receipt confirmation from my bank that it was cashed. The amount has still not been applied to my account on XXXX XXXX, 2016. I have called customer service and sent messages via internet and my bank has faxed over the copies of processed checks and the amount has not been applied to my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Every month I start getting calls about one week prior to and one week following payment. They call multiple times per day. When I block the number to use a new number. If I were in very bad standing with my account I would understand but I am not nor have I ever been which makes the consistent, repetitive and harassing calls unjustifiable. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in the process of purchasing a house for my family, and I see that I have two accounts in collection. They NEVER contacted me BEFORE passing this information on to my credit [ report ] they havent even sent me an account statement. I dont know what I owe this money for. Ive never even received telephone calls from them. 
I havent received any explanation about anything. They didnt give me any opportunity to verify the balances that they want to collect from me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ditech took over my Greentree account. I am no longer able to access my online account, where I should be able to view and print my mortgage interest statement. I have requested that Ditech either restore my online account access or provide me a hard copy of my statement. They have failed to comply and have not responded to my communication. I can not file my 2015 income taxes without this form. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: IN XXXX I GOT A XXXX MOTGAGE WITH XXXX WHICH WAS SOLD TO SHELLPOINT. I PAID IT OFF XX/XX/2015. I RECENTLY TRIED TO REFINANCE AND THE LAWYER FOUND THE DEED OF TRUST WAS NOT RELEASED PROPERLY AS IT WAS RELEASED BY XXXX WITH NO POWER OF ATTORNEY FOR XXXX TO RELEASE THE DEED. NUMEROUS PHONE CALLS BY MYSELF AND THE LAWYER HAVE NOT BEEN ABLE TO RESOLVE THE ISSUE. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I received an automated telephone call from ERC Debt Collection at XXXX this morning asking me to call another phone number. I pay all of my bills on time and I have an excellent credit rating. I Googled ERC Debt Collection and see there are many complaints of phantom bills that they are trying to collect on. Many stated that ERC reported to the Credit Bureaus false information and they were having a hard time getting the information removed. I am contacting you in advance to try to head them off. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage was sold to Loancare Servicing in XXXX, 2016. Every time I call them, I am on hold for at least 45 minutes before any rep takes my call. I had called to inquire about how I could stop my Property tax and homeowners insurance from coming out of my impound account. The representatives I have spoken to are rude, condescending, and have not helped me in any way. The only rep that gave me some direction told me me to email customer support and also told me that I could not be connected to the escrow department as they do not talk to customers on the phone. So, I emailed the customer service department requesting that my impound account no longer pay out the property taxes and homeowners insurance, and that I would pay it myself. I received a ticket number in an automated reply which stated that I would be hearing back from them within 10 business days. It has now been 17 business days and I have not heard from them. I called them again on XXXX XXXX and was told to wait 30 more days for a response by mail and that I was not allowed to talk to the escrow department. Then, this morning, I received an automated email from them stating that my property taxes had been dispersed to the county. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ally Financial has been charging a fee for late payment when I have been paying the amount due as shown on the online summary. So instead of allowing me to pay for the amount due and also any additional fees on the account they only allow the amounts paid to apply to the principle and do not tell you or advise you that any overpayment is only applied to principle and will not be applied to fees. They then XXXX fees based on the original infraction without telling you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I sent a request for a Security Freeze, because I am a victim of ID Theft to XXXX TWICE. I sent them a police report, proof of address, my drivers license and my social secuirity card. I sent the request certified mail and it was signed for on XXXX XXXX 2015 and XXXX XXXX 2015 by Experian.. They have not placed a security freeze on my file although the other XXXX bureaus did place the freeze with the same documentation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response