AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I bought a prepaid XXXX card from XXXX. The card is from NETSPEND Corp in XXXX, TX. I put {$500.00} on the card and forgot about fees. I tried to make a purchase for {$500.00} XXXX XXXX, 2015 and the card was declined to the Merchant ( XXXX XXXX in California ) so they cancelled the order. NetSpend has put a hold on the {$500.00} and wont release it to me despite numerous calls to them. I had to use a different card to purchase the product. Netspend says I have to have the merchand send them something stating the order was cancelled. The merchant says " When I cancelled that order it went into cyber space .... '' how do I get NetSpend to release the money?? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had purchased a home in XXXX. It was later sold to Greentree services. I had got married and when we decided to divorce. I was the only person who was working. I was working XXXX hours a week. When the plant stopped overtime I had gotten behind on the mortgage. I had got it caught up. Then in XXXX the XXXX ( I worked 9 years ) decided to close down. Before they closed I had gotten behind. I called and talked to a representative and he told me if I could catch it up before I lost my job. He would deferr my payment for 3months to help me while I looked for a job. I was to call on a certain day and talk to him. I did as he told me. But when I called him back on the day he told me. He said that he could n't deferr my payment because I did n't have a job? I found a job an hour away. When gas prices starting getting high in XXXX. I had got behind again. I started getting phone calls at work. In XXXX my wife and I decided to purchase a bigger home. I had called Greentree asking if I could sell the property and pay the remaining balance. I was told that I could send in an offer. That they sometimes accept lower offers. I had a sister that wanted to take over payments ( they said no ) and I had XXXX offers of {$25000.00}. I called and asked if the offer was accepted and they said that I did n't write down the dollar amount. I had faxed the offer and reasons on XXXX page? After the mortgage was foreclosed on. I found out that they had sold the property for {$4000.00}. And I owe the rest of the mortgage. After foreclosure process I had tried to set up some type of payment. But when I called and said that I did n't think it was fair that I had to pay the {$19000.00} that they lost by selling it their selves. And the woman rudely told me I had to pay all of it. After the foreclosure they had told me that since I could n't make a payment. I could fill out a hardship form. I had did as I was told and once again I was denied. Another problem I have is that on XXXX occasion when I was behind. They called my sisters ( that was on my account ) and my neighbor and had told them each how much I was behind and if I do n't pay the entire amount was due ( again told them exact dollar amount ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: wel ive got alot of issues, we, ll start XXXX XXXX all XXXX XXXX. the recenmt over the limit that was reported is a complete lie, they added onterest which put me a few $ over. trhey did this b4 once when my balsanve was so high ( m thats done. just paid threm down in XXXX. but whenmi got a notification, i called custumer service and said a certain credit didnt go thru and their $ 50+ interest put me over. the csr said ( { and assured me that no0thing would be reported til XX/XX/XXXX. i get my dis on XX/XX/XXXX theyre due XX/XX/XXXX. so thryre alwayts earl ; y anmd wazy bedore the XX/XX/XXXX. 
now to the XXXX COAP??? i nquiries all in a month. i just found out thats XXXX XXXX XXXX. ive been getting preapprovalo letters up to {$35000.00} for apxc 2 years. in fact i bought new XXXX with itafter about XXXX monhs im wantyed to refi lower inteest. they approved me ( i have all documentaTIONstill ) then about a week later they call and said my employer filled the form wrong ( XXXX income, XXXX is XXXX main revenue source. my boss was on vaca tiohn fort 3 weelks. letters were coming in saying IF it were approved @ higher inrest rate. off and on back and forth i said forget thrm.. what im figuring now is the kept running my inquiries. THEY BETTER COME OFF ASAP!!!!!!!!!!!!!! I DONT THINK YOURE GOING TO WANT ME XXXX W/ THEM DIRECTLY. 
HELP ON THISW 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed XXXX Employers listed as XXXX and XXXX on EXPERIAN credit report. I have never been employed by these companies. I am requesting that EXPERIAN immediately remove these names from my credit file, listed as my previous Employers on my credit report immediately. I have attached a screenshot of the incorrect information listed on my credit report from XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been having the same issue with these company I have tried to refinance my home and each time they report the inquiry incorrectly they are required to report them as XXXX as long as they all fall within the one month time frame, there should be no more than XXXX inquiries on my report. Transunion has placed information on my report that has alredy been disputed and corrected there should be not missed or late payments on my trans union report ( XXXX ). 

Incorrect information on my credit report Account termsCreditor name/info, balance, payment, etc. 
Account statusPaid bill on time, account closed, etc. 
Reinserted previously deleted informatio 

Company response: Company chooses not to provide a public response
Consumer complaint: They keep charging me over draft fee and matiences fee when I use my account for direct deposit told them I lost my card but still charge my account then say wellyou cant close it because of a balances well you have to pay it. instead of crediting all my money they credit what they think I should have. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sallie Mae called me twice in two weeks regarding my bill once on XXXX from an unknown number and once on XXXX. XXXX times I explained that I do not have money to pay them and in response to asking them to stop calling me, I was informed they would continue to call until the balance is paid. I find this action harassment and I would like them to stop calling me or at minimum reduce the amount to once a month. 

This is for a XXXX loan for XXXX university XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Recently I have had several thousands dollars wired from outside acct into my Citi Bank checking acct. What shocked me is Citi charged me {$15.00} for service fee. It is such a ridiculous policy to punish its own customer to put $ $ to his Citi account. That explains again why Citi performance XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wells Fargo account online was apparently breached by some scam artists and this comp is trying to blame me. Why on earth would I tamper with my own finances?? 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.I currently in discussions with XXXX XXXX XXXX in regards to the remaining {$64.00} but the company has yet to return my calls. I have notified both companies in writing of my payment of this debt and my intend to fill a complaint. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: On XXXX XXXX, 2015, I received a collection notice from National Credit Management Mid-South XXXX XXXX for an alleged debt owed to XXXX College in the amount of {$200.00}. However, after checking with the Student Accounts office at XXXX XXXX XXXX " the College '' ), I determined the amount was to be billed under a third-party billing agreement with the College and therefore is not my individual liability. Therefore, on XXXX XXXX, 2015, I requested National Credit Management to provide validation of the debt as provided by the FDCPA and for an accounting of the debt. I 've received no response to my request. However, after checking my credit report, I noticed the debt was reported to all three major credit reporting agencies. National Credit Management is reporting a non-validated debt on my personal credit report causing damages to myself in terms of my credit score, personal reputation, and business relationships. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I borrowed {$2700.00} on a title loan from Wilshire Consumer Credit XX/XX/XXXX, and added an additional {$500.00} XX/XX/XXXX for a total of {$3200.00}. I 've been making {$200.00} payments throughout. I 'm approaching {$6000.00} now and my balance is still over {$3000.00}. I 've recently learned that Wilshire was found guilty of unfair and illegal loan practices. I knew something was wrong with their practices but thought I was just stuck. I would very much appreciate your help in this regard. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion has deleted my whole credit file of 31 years. Their agent told me they found the records & would put it back on file in 3 days. It has been weeks & they have not done soXXXX Transunion XXXX refused to take XXXX 's credit information from XXXX 'S credit rep for XXXX accts I have with them. Only XXXX is reporting my credit info correctly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to complain about XXXX XXXX XXXX and a store in Florida that has been harassing me for years and says I owe them money when I do not. 

I originally purchased phones from them to take with me overseas where I lived. They told me the phones would work overseas and they did not. I originally spent close to XXXX dollars on the phones, cases and a speaker. I immediately flew back to Florida to return them right away because they have a 14 days return policy in order to receive a full refund for my purchase. When I arrived, I initially called to speak to the manager and sales person who sold me the phones. They placed me on hold several times and never picked up the call. They also took many messages from me and no one returned my calls. I called XXXX and they told me to go back to the store and ask for an immediate refund which when I arrived at the store the clerk said he could not give me a full refund. I then told him I wanted to speak to the sales person who sold me the phones and he was unavailable along with the manager of the store. I finally had to call the police in order to get their complete attention and a full refund from the store. I had returned the phones on day twelve, 2 days before the 14 day return policy. All the items were still in their packages and everything in tack. I had the receipt as well. I did everything I was suppose to do in order to receive a full refund and never used the phones or phone service because the sales rep and manager of the store lied to me to make a sale. The manager had deactivated the service upon the return.. He gave me half of the refund in cash and the rest was sent by check from XXXX. Approximately a month later I received a bill for XXXX dollars without any explanation from XXXX. I called their headquarters and explained what had happened and they said they would investigate it and get back to me and never did. Soon after and still I am receiving letters from collection agencies claiming that I owe this amount. I sent these agencies letters explaining what had happened and attached and sent copies all of my receipts and names of people i spoke to at XXXX along with the names of the sales person and manager of the store. I sent emails and mailed them letters with copies of all receipts. I never heard back from them and they still list this debt on my credit report under collections. It has been over 3 years since this incident occurred and i believe that because I called the police to assist me with this return that the manager is behind this false charge or fee that has no bearing or explanation at all. Please help me to finally take this charge off my credit report. It has hurt my score tremendously and I dont know what more to do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: there is a charge on my credit report that is not mine please remove it i have never had an XXXX account in cali 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX -- XXXX XXXX XXXX BANK XXXX {$590.00} i have paid this account off in full please remove this from my credit report as XXXX said it would 

Company response: Company chooses not to provide a public response
Consumer complaint: I am lodging a general complaint against SLS. Since the first day they began servicing our mortgage, there has been nothing but trouble. ( 1 ) first month 's payment issue-payment crossed with prior servicer-SLS on our back, ( 2 ) Repeated harassment ( several months in a row ) that we did n't have enough insurance on our home ( after repeated faxes to SLS, clearly showing more than enough proof of insurance, ( 3 ) we had just completed a loan modification, only to have SLS increase our escrow amount making the monthly payment difficult to make again ( SLS decided that they were going to hold the highest amount of escrow pad as allowed by the state of California, thereby increasing our monthy mortgage amount ), especially for a customer that worked months to get a loan modification to save their home. ( 4 ) but most disturbing is their collection tactics. They leave a door hanger envelope ( unsealed ) with capital red letters that say " confidential '' ( in an unsealed envelope ). Inside is a quarter sheet of ripped paper that indicates SLS was there to check if the property was " still occupied ''. That is a clear and intentional threat and unfair collection tactic. ( 5 ) One month we called in the payment ( so we can keep track of everything via XXXX XXXX ) and the agent at SLS set-up the payment and confirmed the bank account on file and it did n't belong to us! It was an account with XXXX and we have XXXX XXXX, not even close ( XXXX ) recently, we agreed to a payment plan with SLS to have payments automatically debited by XXXX XXXX from our checking account for the next XXXX Fridays. The agent set up each withdrawl and provided us with a confirmation number. The first payment was debited as scheduled and we received a confirmation letter from SLS that the payment had been processed. Yesterday, we received a reminder notice from SLS that a payment would be debited on XXXX XXXX as agreed but today my husband receives a call from SLS regarding our delinquent account. Frustrated, I contact SLS to inquire as to why they are calling for a status when we had an agreement that was current and valid. ( for the XXXX paymen ). ( 6 ) Today 's call was the last straw and trigger to lodge this complaint. When the SLS agent was researchng why SLS called, he was perplexed by what he was seeing on our account. He said he can see the payments were processed but they have not been linked to our account. I was put on hold many times ( common with SLS ) only to have the agent ask me for my banking information again. There is something seriously wrong here. There are numerous complaints for this company online, with the XXXX and of course CFPB to name a few. I appreciate that SLS may be working with XXXX paper, but that is no excuse for blatant threat collection tactics, repeated banking mistakes, harassing calls and letters etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a checking account for my son before leaving for college, for the purpose of transferring funds as needed. XX/XX/XXXX he 's doing his XXXX out of state. The problem is this institution has very limited branches. When my son received his first check I instructed him on where to go to deposit his payroll, to our surprise they held a portion until a week later. We called the bank for explanations, with the understanding that was handed over along with the advice of making more deposits the better. Next pay period same thing happened, once again we called got different advice and spoke with supervisor, she advice he go somewhere else to cash it, meanwhile I 'm here home borrowing money getting money orders going to XXXX to deposit into my acct. and transfer into his. 3rd time he cashed it and he then went out purchased a money order and went out the way to find a XXXX to deposit into his acct. so that it can be transferred back over to my acct. THEY HELD THAT AS WELL! Made a call again new advice. HELP PLEASE! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Creditor XXXX XXXX placed a retail credit card into collections that is not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have TWO hard credit inquiries on the SAME DATE from the SAME lender organization XXXX XXXX, 2015 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother, age XXXX, was contacted by DCM Services and informed they were trying to collect on a hospital bill regarding my deceased father. They told her she needed to agree to arbitration to settle the debt. 

They claim to be licensed in the state of Minnesota, but when I went to the Minnesota Department of Commerce and did a search for them using their name and license #, the portal could not locate them. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I tried to send {$2900.00} to my cousin brother through https : //www.xoom.comXXXX on XXXX XXXX 2015. 
According to the advertisement the money should be deposited instantly, so far they are saying the company is working on getting some status update from their partner. I am not receiving proper status update from them. I would like the money to be deposited in cousin 's account or refunded back to me ASAP. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: best buy paid it off XXXX they was taking it out my check XXXX I have tn care plus i never went to the doctor in XXXX and the online school never receive material so I should n't be obligated to pay my phone XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Nicholes Financial Inc is reporting a Charged off account on my consumer report and is still trying to collect on said account. That will not provided me with the original contract nor statements of accounting.
Company response: Company disputes the facts presented in the complaint
Consumer complaint: I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender charged my debit card without my authorization. My bank is XXXX XXXX XXXX in KY. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I pay that account on time and on my credit report show the account stay open 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed Credit Collection Services on my account when I was denied credit in XXXX of 2015. I disputed this debt with the credit bureaus and I sent a letter to this collection agency requesting validation of the said debt. I never got a response back from them and they continue to verify this debt as mine to the credit bureau which is a violation of the FCRA. I can not make them give me this information but I can certainly report them for reporting it without proper validation. This mark on my credit has caused me damages and if not resolved immediately I will take necessary action. 

Company response: Company can't verify or dispute the facts in the complaint