AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015, I set-up a payment of {$300.00} using Best Buy 's online payment center to be paid on my credit card 's due date of XXXX/XXXX/2015. On XXXX/XXXX/2015, my checking account showed a debit of {$300.00} deducted from account but when I checked my Best Buy account, I noticed that my balance had not decreased and in fact, it had increased, and that my account was delinquent with the summary page showing that a payment was still due for XXXX XXXX, 2015. 
When I checked my Best Buy Account activity, the activity on my account showed a {$25.00} late fee was posted to my account on XXXX/XXXX/2015. I opened a chat session with Best Buy Customer service and the agent kept asking me if I made my payment last night. I told him that I set-up my payment on their online system a week ago on XXXX/XXXX/2015 to be paid on my credit card 's due date of XXXX/XXXX/2015. He kept saying that my payment had not posted and that it takes a couple of days to post. When I provided the payment confirmation number from their website that stated the payment of {$300.00} was posted on XXXX/XXXX/2015, he said that the payment had NOT REALLY posted and when it did, the payment would be applied and the late fee would be reversed. 
It makes no sense to require people to make payments on a certain date only to apply a late charge, reflect the account as delinquent, and then have to reverse it ( and me to monitor it ) when they should just really require me pay on the REAL due date of the XXXX or XXXX of the month so the money hits their account on THEIR due date of the XXXX. I would like to know if my credit score is being affected by what are essentially rolling " late pays '' each month because they are delaying posting my payment when I 'm successfully making the payment in THEIR system on THEIR stated due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: i had a procedure done at XXXX XXXX in XXXX, tn. It was a referral from providence free medical clinic in XXXX. They asssured me I would not be billed. I forgot about it, now months later, I receive a message on my phone to call a # about an acct. #. I call and it is a collection agency from XXXX stating I owe {$180.00}. She stated that they sent me letters to an old address. I never received XXXX phone call from XXXX about this supposed bill. They just sent letters I never got and then sent it to collections without personally talking with me. This is fraud. XXXX medical payed this bill. I was not supposed to be charged. Yet, they did not even have the decency to call me about it and they had my phone #. This is wrong. These hospitals are sending bills to collection after no one responds to a letter, but they are not calling the person, to make sure the address is correct. If I had not had my phone # still operating, this would have went on my credit and it would have been months or years before I knew it. These people at XXXX are evil and they need to be held accountable for fraud. They need to have procedures that make them call an individual before sending to collections. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have attended XXXX, XXXX University, XXXX and XXXX colleges since XX/XX/XXXX. I graduated in XX/XX/XXXX with a XXXX 's degree in XXXX XXXX. However, initially I was told through financial aid that i was not able to take more than XXXX XXXX because I did not qualify. After 7 long and tedious years, they told me i could have paid an extra {$500.00} a XXXX and taken XXXX classes instead of XXXX. With this new information, I complained to financial aid and my student coordinator ( which by the way this time i had already gone through about XXXX ). During this time I accrued not only an overwhelming amount of Federal loans because of these predatory practices however, I also had to take out private Genesis lending fans because federal loans covered nothing. Now here I am graduated, with XXXX Genesis loans that equal to about {$1400.00} in monthly payments alone!!! The only job offer I have received is a job that pays {$10.00} an hour from the state which obviously is a no brainer because there is no way to cover these loans on {$10.00} an hour. Please tell me what recourse is available to help me get out of this drowning debt. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have credit monitoring issue due to an issue that occurred in XX/XX/XXXX year when my credit report was accessed by another person in an attempt to open new credit. The fraud alert was renewed a second time from the original date and recently expired in early XX/XX/XXXX. Recently, I called to ask how to remove some inquiries and the Experian rep told me inquiries are statements of fact and can not be removed. As a credit tracker member, they would not transfer me to the disputes department simply for inquiries. They suggested that I review all of my inquiries and then contact your agency for assistance to remove them if they do not belong on my report. When I called, the following were the issues I intended to address : The XXXX inquiry on XX/XX/XXXX. The reps at XXXX represent it is a soft inquiry as well and claim that a hard inquiry never appears on your report. I also have written documentation from the XXXX website that confirms the inquiry should be a soft inquiry. It is noted SEVERAL times on the website and outlined in the FAQs section. I have attached for review, and I am requesting this inquiry be removed since I did not authorize a hard inquiry be performed by XXXX. 

I have XXXX other inquiries that should be removed. The XXXX from XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I do not recognize those as authorized by me, and I believe I already advised Experian about the XXXX XXXX inquiry should have been removed when they removed a few other unauthorized items ( which they did, so this XXXX must have been missed. ) The final inquiry issue is with XXXX XXXX inquiry on XX/XX/XXXX. I contacted XXXX credit on XX/XX/XXXX at XXXX and spoke with XXXX who did confirm that the inquiry is an error. He stated that no Experian credit file was received under my name on XX/XX/XXXX. It must have been a system glitch when I opened my account because he stated they pulled an XXXX file for the basis of my credit decision with them. I told him that I asked the rep in the store and she said only an XXXX file would be pulled and that is the only one I authorized. He again reiterated no Experian file was received so no inquiry should have been registered on my Experian report. He submitted an inquiry removal form to Experian and documented my account accordingly. I am requesting this inquiry be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received a call from XXXX XXXX XXXX XXXX regarding a payday loan. My SSN # has been compromised and I have filed with the IRS and FTC. This company has threatened to serve me papers at my employment, speak to my supervisor regarding a personal business matter and said if the matter goes to court I will have to pay attorney fees which could be XXXX to XXXX the amount of the loan. She wanted to resolve the outstanding balance of {$400.00} to stop the proceedings. I was never given the memorandum and she told me I 'm lying. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several issues : ( XXXX ) The creditor has reported Balance and Past Due on the account of {$1600.00} every month since XX/XX/XXXX, but it turns out the actual Balance and Past Due amounts were {$2600.00} as of XX/XX/XXXX 
( XXXX XXXX The account was charged off in about XX/XX/XXXX, but duplicate charge off codes were reported every month ever since. The duplicate charge of status codes are the reason I was denied a student loan on XX/XX/XXXX ( account looks like it is very recently charged off ), and I believe this qualifies as credit report poisoning. 
( XXXX ) I settled the account in full on XX/XX/XXXX. On XX/XX/XXXX I called Pioneer, and they said " And you said you want a paid letter? ", " Okay, I can get it mailed out for you '', and " I 'm going to get it going, you will get it today, okay? '' ( by email ), but I never received the requested Settled-in-Full letter from Pioneer as promised. On XX/XX/XXXX, I have disputed the inaccurate information on my XXXX credit report, and on XX/XX/XXXX, Pioneer has reported all inaccurate information as verified. In particular, on XX/XX/XXXX, Pioneer reported the account as Charged Off ( correct status Settled-in-Full ), Balance Amount {$1600.00} ( old correct balance {$2600.00}, correct balance as of XX/XX/XXXX {$0.00} ), and Amount Past Due {$1600.00} ( old correct amount past due {$2600.00}, correct amount past due as of XX/XX/XXXX {$0.00} ). Thus, Pioneer has explicitly and intentionally provided false information on XX/XX/XXXX in response to my dispute. 
( XXXX ) Furthermore, I believe that the account had been closed when it was charged off in about XX/XX/XXXX, but it continues to be reported as open. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi - I would like to add a person to my deed for the condo I own. I called Roundpoint mortgage XXXX times, wrote them XXXX letters, and they refuse to tell me. I would like to know if I add a person to deed, how does that effect the terms of my mortgage. After XXXX calls, they said XXXX owned the loan. After calling XXXX XXXX times, they said they are only the guarantor of the loan, not the owner. They said Roundpoint mortgage has a responsibility to tell me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Foreclosure Proceedings have been set for XXXX XXXX, XXXX and I am trying to prevent this Foreclosure as the bank has not followed through with what we have agreed that I will obtain new Financing to remove them from the note and they will not work with me. Please contact me with what ever you need from me for documentation as I have a substantial amount of information/documentation and can provide whatever you need. I had filed for bankruptcy protection in XXXX of XXXX as the Bank of the West filed for foreclosure at that time. XXXX/my attorney at the time agreed that we should have the case dismissed and this would allow the new bank I currently am working on refinancing ( XXXX XXXX XXXX XXXX XXXX ) ( new Bank ) to remove them from the SBA guaranteed loan. I/we have followed the protocol as outlined by the bankruptcy judge and have continued to make the monthly payments of {$2600.00} of which they mailed XXXX XXXX, XXXX payment back to me stating that they have already filed for foreclosure of XXXX XXXX, XXXX. AgainI have made payments as outlined in the bankruptcy proceedings and have made them prior to the due date. Besides what is listed above XXXX has further requested the following:1. ) XXXX has asked them for all of the Financial back up including what they claim to be in arrearage. 
2. ) XXXX has asked to set up payment arrangements once we have received the financial information ( again to no avail ) 3.why would they contact my Investment property owned by me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX ) which has a Tenant living there. The tenant whom received a notice to vacate the property prior to the foreclosure sale of XXXX XXXX, XXXX has XXXX young children and is a single mom now has severe XXXX over this. This property deeded to XXXX XXXX XXXX has a lease agreement with the tenant whom was unaware of all of this. 
4. ) XXXX/I have asked for a full accounting detail break down of the account since it inception to assure that funds have been properly applied. 
5. ) What XXXX has received is very vague and I am not sure how a loan that shows a principle balance of XXXX XXXX round figures ) and a maturity date of XXXX XXXX could now be stated ( according to what vague we got XXXX {$31000.00} how can the loan go up from XXXX to XXXX???? 
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them? 
I do intend on filing with the Consumer Finance Protection BureauRespectfullyXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On my Experian credit report, it shows that under XXXX XXXX XXXX that I am deceased. Of course I am not, and no other credit card or report shows that I am deceased. Also, when I contacted Experian to dispute this, they said they resolved it but they did not. They changed the XXXX XXXX XXXX to CO in XX/XX/XXXX. This is incorrect. This was charged off in XX/XX/XXXX. Also, they still show that I am dead, which is effecting my ability to get credit. I need this fixed asap. 

Company response: Company chooses not to provide a public response
Consumer complaint: Acct Closed on XXXX/XXXX/09 with XXXX card. Still showing on my Transunion report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was never told directly about this bill that I " owe, '' but instead I found out about the bill when I accessed my credit report. I contacted the Lansing Professional Business Bureau, which is what was indicated on my credit report and they told me that it was " too late '' to send them my XXXX insurance. I have XXXX insurances for this exact reason! When I initially when to the hospital they only took the XXXX insurance card although I handed them XXXX. Then when I call to still give them my secondary insurance, they told me that I could no longer submit it because it was sent to collections. I am never supposed to pay {$500.00} out of pocket for medical bills with both insurances working together. I would like to dispute this medical bill because 1 ) I was never directly informed of the bill 2 ) they informed a debt collector before informing me 3 ) they told me that I could not submit my insurance again, even though I submitted it to them in the first place 4 ) I disputed the medical bill and they did not reach me within the 30 days 5 ) I have called and called and each time I was informed that " nobody could do anything for me. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, I sent Experian a dispute regarding a judgement ( ID : XXXX ) that I was notified was showing up on my credit report, however, even through I provided them documentation showing this account was associated to XXXX XXXX XXXX, whereas, I am XXXX XXXX XXXX, Experian refuses to remove the judgement not associated to me. The judgement is question is assciate to my son not me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owe XXXX School of XXXX XXXX {$2700.00}. The collection agency, Partners Financial Services Inc. of XXXX, they have chosen to partner with is charging me {$2300.00} ( almost XXXX ) simply for it being in collections. They have clearly stated that the charge is 0 % interest. I have been a student since I left XXXX School and could n't pay them the amount due. I was never notified that I was going to be charged such a large amount or that it was going into collections. I believe Partners Financial Services Inc. is charging me for the amount XXXX owes them for collections and is putting it in my account. I do not feel as though I owe Partners Financial Services Inc {$2300.00}. This collections agency is charging me unreasonably and unfairly. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: customer service associate was horribly rude. 

Company response: Company chooses not to provide a public response
Consumer complaint: World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/XX/XX/2015 I was contacted by a collection agency stating that I owe {$2900.00} to an online university. I stated that the claim was erroneous as I had applied for and to my knowledge received financial aid. I asked what the debt was for. They stated it was because I did not withdraw from my classes per the contract. They stated they had exhausted all efforts to contact me. I stated that this was the XXXX I had heard of this alleged debt. Collection agent stated that they had been contacting me at ( telephone number that did not belong to me ). Agent read off the telephone number. I stated that was not my telephone number. Agent stated that that was the information provided to her. On XXXX/XXXX/XX/XX/<YYYY> after having made contact with me and after I had advised the telephone number they had been calling was not mine, a collection agent from this agency again called the telephone number not belonging to me, it belongs to my mother, and left a phone message discussing the alleged debt on my mother 's answering machine. This same day this same agent left the same message on my answering machine and implied a threat that if I did not call them back by XXXX on XXXX/XXXX/XX/XX/2015 that my file would be moved to final determination and that " seriously, this is something you do n't want to happen ''. Previously, when I asked the collection agent to validate the debt, they threatened that if I request the validation of debt that I would not be able to work out any type of settlement, that all chances of working out a settlement at a reduced amount would be off the table. As I was trying to reason with this collection agent, she continued to yell and talk over me and stated " I 'm not playing your games, I 'm going to submit paperwork to garnish your wages ''. On XXXX/XXXXXX/XX/<YYYY> I contacted the original creditor, spoke to XXXX. of the university and advised that the collection agency was very abusive and illegally trying to collect on a debt. I stated that I wanted to work directly with the university to resolve this matter. XXXX. stated he would speak to Mgmt to pull my file from the collection agency. I contacted the collection agency to advise them of this. The agent with an exasperated tone asked why and " Are you going to resolve this? '' I stated I am resolving this as quickly as possible. XXXX. of the university emailed me XXXX/XXXX/XX/XX/2015 stating that he was speaking with the collection agency and would be back in contact with me after hearing from the collection agency. Received a call XXXX/XXXX/XX/XX/2015 from the collection agency again. I did not answer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit bureau Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a payment plan on medical bills owed starting XXXX they stated they have several other accounts linked to me for a total of little over {$3200.00}. I at that time set up payment plan on the account to pay {$150.00} every 2 weeks on Debit card which started in XXXX & continued thru XXXX in which my card had expired I then called & spoke to XXXX asked for my balance @ the time & my balance had increased to a little over {$3400.00}, I asked how it increased paying {$300.00} a months she said the intrest is 1 % per account & I have XXXX accounts with them, I advised her I did not have XXXX accounts @ that time I advised I was willing to make payment arrangements but I want a individualized billing if charging fee 1 % per account she refused I asked for manager she refused sd XXXX was not availabe asked for a mgr to call me back I never received a call back I also never received individual billing either I on XXXX received a notice that if I do not arange payment they will forward to litigation, on XX/XX/XXXX I called spoke with XXXX XXXX I asked for exact date of speaking with prior rep XXXX on the account in XXXX or XXXX she said no record of speaking to me around that XXXX & nothing for conversation she completly disregarded my questions & concerns & advised me now that my balance is {$3500.00} I again tried to advise XXXX XXXX of my concerns she refused individual billing that is not how they do things thier I advised to speak to mgr I spoke to XXXX XXXX who stated was a manager I again asked for individual billing advised her they are linking incorrect & over charging she to refused to listed to what I was trying to explain to her & said that I was cutting her off from answering my questions said they ony submit XXXX bill with a list of providers & intrest is billed per account. I again advised her willing to make payments on the account when I get a individual billing for each account they state they have in their office she refused she stated I was over talking her so she could not answer my questions she said is forwarding to littigation they cant wait forever for payment on account.I have been denied a individual billing of accounts they state they have listed in their office ( that come over individually ) even after I had been paying them {$300.00} plus a month my debt the state I owe increased not decreased 

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