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

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

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank returned my payment made by check for no reason and proceeded to charge me a late fee. I had the funds to cover the check and the representative lied and said my bank returned the check to them. XXXX of the vice presidents at XXXX XXXX XXXX assisted me with a XXXX call to get the matter resolved. I feel they tried to defraud me, a XXXX, by returning my check and could not provide me an explanation and charged me a late fee. I wonder how many other seniors they do this to??? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2012, I had applied for an Dillard 's store credit card. I had never used it. In early XXXX of 2013, I had lost my wallet at a movie theater. I reported the card as lost/stolen to Dillard 's and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XXXX 2012. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to Synchrony Bank. I had assumed everything was settled at that point. Now I am receiving collection letters from a XXXX XXXX, XXXX collecting on the same debt. 
XXXX XXXX, XXXX is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service. 

So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to. 

Fast forward to today. 

ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE. 

I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS. 

So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt. 

So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill. 

Thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to open a online savings bank account with Ally Bank with my Individual Taxpayer identification Number and after a phone call follow up i was asked for a image of my social security card. I informed the customer representative that I did not have a social security card, that all i had was my Individual Taxpayer Identification number and she proceeded to inform me that it was not possible to to open my savings bank account with only my Individual Taxpayer Identification number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia Dept of Revenue showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sold my home of XXXX years and upon reviewing the closing statements the debt collection law firm of McCullough Payne & Haan , LLC, presented a lien filed against me on XXXX/XXXX/XXXX in the amount of Principal {$3700.00} plus interest of {$2300.00} Plus attorney 's fees of {$580.00} plus court costs of {$100.00} to equal a Grand Total of {$6700.00} it is my understanding that the lien was placed WITHOUT any proof of Service as they could n't find me in the city although I maintained the same home address from XX/XX/XXXX through XX/XX/XXXX. I believe they used the same illegal tactics as was used by another debt collection firm that thecfpb has any action against ( XXXX XXXX, XXXX XXXX XXXX ) which also represented XXXX XXXX Bank. 
Again my understanding the lien is good for seven years and was refiled XX/XX/XXXX. and again appears to have paid {$7.00} XXXX/XXXX/XXXX I do n't know if these steps are correct or not and since I never received service on the original lien I would think the Liens were not legal! 
I had a closing attorney get involved and he negotiated a {$4000.00} reduction of the total presented in the closing documents for a new net total {$13000.00}. 
I believe this debt collector mirrored the practices of XXXX XXXX XXXX XXXX XXXX and just churned out non serviced liens to the court and the court just believed the lies and went along with being duped. 

Company response: Company chooses not to provide a public response
Consumer complaint: Medical bill received for {$1000.00} from XXXX Hospital on XXXX/XXXX/2015 for an XXXX XXXX visit on XXXX/XXXX/2015. XXXX paid in full on XXXX/XXXX/2015. Debt collecting agency Windham Professionals , Inc. contacted me on XXXX/XXXX/2015 to collect debt, despite that it was paid in full. Windham Professionals , Inc. claims that they have contacted the hospital to verify that I had paid the debt in full, but are claiming that it was n't. After contacting the Hospitals billing department, It was confirmed that my bill was paid in full with a balance of {$0.00} and that XXXX XXXX is NOT affiliated with Windham Professionals , Inc. Not only is there no debt that I owe, but they are trying to convince me I owe a {$710.00} debt. 

Attached are Bills from the hospital showing the true amount owed, listing of claims from my Health Insurance company ( XXXX ), proof of bank statement payment, bill from Windham Professionals , Inc. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been getting continuous calls from a XXXX party debt collections in regards to a XXXX account that was opened under my name in XXXX while I was in Texas. I have sent in the requested proof of residences and identification to them about a month or so ago. Calls stopped for about a week and then started back up. I have spoken with them again and they are now asking for a police report of the incident, I went to my local police department in Texas and they are telling me because of the time and situation i would have to file with the XXXX police department for that claim. I am not able to just fly over to XXXX to make a police report. So when I called back they said well we are out of options and transfer me to another person that tells me the same thing until I magically get disconnected. I then went and called XXXX and after hours of phone calls from them and finding out there are no local branches here in Texas they sent me here to file a complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They are showing that I have XXXX mortgages on my transunion with XXXX which is hurting my credit score when I only have XXXX. please remove the old mortgage I have a XXXX score with transunion and a XXXX with XXXX because of this error 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery claims to be collecting for XXXX XXXX XXXX. I know I do not owe that company any money. They have ignored my letter asking for validation and proof of the debt belonging to me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I filed a complaint # XXXX on XXXX/XXXX/15 about my deed in lieu with the Bank of America. I received a letter dated XXXX XXXX, 2015 from the Bank of America stating that an approval was granted for the {$2000.00} which was mailed out. On, XXXX XXXX, 2015 I received an email from XXXX XXXX that they needed a XXXX completed. I completed it on XXXX XXXX, 2015 and emailed it back. On, XXXX XXXX, 2015, I received an email XXXX that Bank of America is unable to assist with my request of the whereabouts of the {$2000.00} check. 

Company response: Company chooses not to provide a public response
Consumer complaint: After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

RespectfullyXXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through XXXX with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I filed chapter XXXX bankruptcy and XXXX wireless was XXXX of the creditors included on the bankruptcy. XX/XX/XXXX XXXX wireless sold the debt to XXXX and they have continued to sell the debt to different people the last five years and harassed me on my credit report to the point where I can not purchase a home. I have disputed this report several times with XXXX fax, experience, and Trans Union. I am a XXXX veteran who is seeking to use their VA home loan. I need a certain credit score and this creditor that was included on the Chapter XXXX bankruptcy in XX/XX/XXXX continues to report negative information to all three credit bureaus regarding this account in my name. the 's preventing me from securing a mortgage. Several attempts have been made to fax mail and send information such as my discharge of debtor and the actual schedule E which shows XXXX wireless as a creditor on my Chapter XXXX bankruptcy. However no one that I 've spoken to up to this moment has taken any action to remove this on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: i refinanced my mortgage on XXXX XXXX with Bank of America and i was told yesterday for XXXX of the banks when i was trying to get my principal reduction that my mortgage was miss handled by Bank of America. Even though when i tried to do my loan modification Bank of America told me i do n't qualify. Now my mortgage was transferred to XXXX in XX/XX/XXXX. I am in a trial payment with XXXX and i prequalify for the loan modification vs when I tried to do with Bank of America they told me I do n't qualify. 
I would like to have my loan review by the consumer finance. I have all the documents when i refinanced my mortgage with Bank America in XX/XX/XXXX. By the way my investor is XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter in the mail from RMS claiming I owe {$71.00} to XXXX. A principal amount of {$31.00} and " other '' fees totaling {$40.00}. I replied within 30 days with a debt validation request, which was received by RMS on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX labeled " Notice of credit bureau notification '' from RMS stating I had 10 days to fulfill the amount or my information would be reported to credit bureau. At this point, my debt validation letter had not been responded to. I called RMS on XX/XX/XXXX and spoke with XXXX XXXX ( XXXX ) who advised me the account was in dispute and that the documentation I requested was being obtained and my validation letter was received. On XX/XX/XXXX, I received a credit notification ( XXXX ) of a new collection account in the amount of {$71.00} from RMS. I placed a call to RMS at XXXX on XX/XX/XXXX seeking information as to why my debt validation request was not responded to and why the account was reported to the credit bureau. I was told that nobody was available to help me and that I would need to leave a voicemail for " XXXX '' and was promised a call back immediately. At XXXX I placed another call requesting to speak with XXXX. After being connected with XXXX, he confirmed that the account was forwarded to the credit bureau on XX/XX/XXXX, that my debt validation request was received on XX/XX/XXXX, and that a letter was sent to me dated XX/XX/XXXX, acknowledging receipt of my debt validation request. XXXX then asked me if I was willing to pay the principal amount of {$31.00}. In doing so, he would send me a letter saying the debt was satisfied and request that it be removed from my credit report. I declined the offer as I was still unaware of the debt and its validity. I politely asked XXXX for his full name and he declined to help me any further and disconnected the phone call. As of today 's date, I 've never received validation of the debt. I was also asked several times why I do n't remember the bill as it was from just XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: After successfully completing over two months of a full documentation mortgage loan application process my loan was approved on XXXX XXXX 2015. This cash out 60 % LTV refinance is needed to complete a remodeling project on my property which I have owned for over 23 years. XXXX XXXX XXXX, Loan Depot 's loan processor assured me I was approved and final loan closing documents would be drawn up as soon as I cancelled four of my five credit cards that were to be paid off in the loans close. I immediately cancelled the four credit cards they specified even though I was told it would be impossible to reinstate them and that this action would negatively affect my then good FICO credit score. XXXX XXXX the loan processor pushed me to obtain emailed and or faxed confirmations of these credit card cancellations which was successfully completed on XXXX XXXX. On XXXX XXXX after nearly three weeks of excuses I was amazed to hear XXXX XXXX 's explanation that the property appraisal was being reviewed causing this delay. After another five exhausting weeks of phone calls and emails asking for an update I was told on XXXX XXXX that their appraisers comparable ( comps ) were not acceptable to Loan Depot and the loan was being declined because of this. This cancellation caused me to be damaged on several levels starting with my FICO score being negatively affected because the lender required me to cancel credit cards as the only condition of final loan approval. In addition Loan Depot required me to rewrite at additional cost my hazard insurance policy with additional conditions and coverage. 
The facts have become clear after I have looked into this which are disturbing. I agreed to pay whatever the cost was for a professional appraisal and paid a deposit of {$390.00} to begin the process, I was contractually obligated to pay whatever the cost was for a professional fee appraisal. As far as I can ascertain Loan Depot through its XXXX appraisal agents was the cause of the the unacceptable appraisal by restricting the appraisers fees offering a substandard fee causing a low end appraiser located hundreds of miles from the property to be the only appraisal service willing to do the work. The appraiser they selected was not a member of the local local XXXX XXXX XXXX board. There are many local Montana real estate fee appraisers when it comes to these unique properties but they hired an out of area appraiser simply because of the low cost, this cost was mine not Loan Depot'sMy damages are ongoing after nearly five months time passing when this could have been finished in two months because of Loan Depot 's actions. This has caused me XXXX dollars damages in lost time, emails, phone calls and more. 
I am ready to proceed with a loan closing in order to rectify this, not wanting to to resort to a costly lawsuit with XXXX XXXX for its disregard to its fiduciary obligations to me. Kindly help me with this or refer me to whoever you feel may be able to help me proceed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response