AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Previously an " alleged debt '' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate in what they were doing-Jefferson Capital Systems not only is trying to collect for an " alleged debt '', but they have falsely reported this on my 3 credit reports known as " Silent '' treatment, and " Re-Aged the Alleged Debt '' for 2015-Jefferson Capital Systems is required by FCRA to report ACCURATE information concerning consumer credit files 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On my credit report, it reports that I have an account with XXXX bank '. This is incorrect information because I NEVER opened an account with this company. I called the company at the following contact info : XXXX BANK, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ( XXXX ) XXXX. I gave the representative my information ( ie. name, address, social security # XXXX to see if I have an account with them and they confirmed that I do not. However, this account keeps showing on my credit reports and it is ruining my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, Allen and Associates. Allen and Associates contacted me and I provided my proof of payment. One year later I was contacted by a legal firm, XXXX XXXX threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later XXXX has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

XXXX has also filed a credit default with the credit agencies which is false. 

As XXXX indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was under a modification XXXX of 2013, successfully completed they were then moving my account to another department when I became lost in the system. I received notice of foreclosure XXXX days later, managed to get it stopped with the assistance of a senator within DAYS of the sale on the county steps. I again completed their requirements and received permanent modification XXXX XXXX, 2013. Since then Wells Fargo has my home listed as a foreclosed on my credit, I have been unable to get a loan to replace my roof, I have to pay 12 % interest for a car loan, I have brought this up to them many times without response. Recently I again reached out and they sent me to home preservations to assist me in modifying my mortgage. I am afraid to reach back to them on the basis they may start messing with my mortgage againAll I want is the foreclosure off my credit, it is impossible to exist theses days with this. 
I am enclosing the recent letter to them and their response. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo offers mortgage customers the ability to pay their mortgage online for free however, every time I have attempted to do this I have received the message, " Please try again later. Wells Fargo Online is temporarily unavailable. '' So, if I do n't have time to mail my payment I have to pay it over the phone which costs {$15.00}. I believe that having the system always unavailable forces mortgage customers to pay the {$15.00} fee. Also, when I spoke with a representative about this issue he gave me an XXXX number for the tech department. When I called this number the automated system asked for my account number. When I entered my account number it said it did n't recognize that number and I could n't get any further. It does this every time I call. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian would not let me send them documents to support my dispute with them, they report XXXX XXXX and XXXX on my Credit Report which XXXX were under consent report issued by the FTC and CFPB and would not remove these phony debts even thought they were sent to them by mail by my husband 

Company response: Company chooses not to provide a public response
Consumer complaint: EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: NRA collections company contact me XX/XX/XXXX, I received XXXX letter stating I had a debt. I contacted them and said that I believe it was paid in full. They said put the account in dispute. I never heard from them again. After calling them today, XX/XX/XXXX, they said that I asked that they do not call me, I do not recall that. They turned it to collections, reporting that they have tried to collect it for 7 months. I have never received a request for payment, they did not list on my credit report that this is " in dispute '' as they told me. 

They list it as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' I disputed it, never heard anything else, not one letter or phone call. Now on my credit report showing, very unethical business practices, very rude, very unprofessional. XXXX in the XXXX office was rude and unprofessional. They told me to put it in dispute, I did, and never once contacted me again with verification of debt. 

I requested Name, Address and License Number and they hung up on me. Three times. 

They do not answer their phones, transfer you again and again, hang up while on hold. I was asked repeatedly to be put on hold and no one ever comes back to the line. I was on hold for two full hours today. 

I never received written notice of the dispute verification within the 5 day allowance. 

They listed on my credit report that they have tried for 7 months to collect, they have not tried even once to contact me, and they can not be reached for questions/concerns. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX listed collection accounts on my credit report for XXXX XXXX on XXXX XXXX, XXXX. However they listed the original reporting date as XXXX XXXX, XXXX. When I called XXXX XXXX XXXX XXXX ( XXXX ) I spoke with XXXX XXXX a Collections Representative on XXXX XXXX, XXXX he indicated the actual debt occurred in XXXX XXXX and had already been paid by XXXX my auto insurance carrier under my personal injury protection ( PIP ) coverage in XX/XX/XXXX. I then spoke with XXXX XXXX XXXX XXXX for ( XXXX ) and he advised me of the same. However this account was actually paid prior to it being updated on my credit report on XXXX, XXXX which they knew false information was being provided to Transunion. However I did notice the changes to my credit report until I checked on XXXX XXXX, XXXX through XXXX XXXX XXXX. Transunion failed to calculate the timeliness of this reporting as being out of the statue of limitations for the State of New Jersey which allows a XXXX ) SOL on all debts. Also this debt involves medical information, Transunon requires me to contact a special handling person in order to discuss or file any disputes as they see them as frivolous or being done by a third party credit repair company. I check my all XXXX of my credit reports monthly and these collection accounts was never reported until XXXX XX/XX/XXXX. 
XXXX has agreed to delete the accounts as they are not accurate as they have admitted and XXXX XXXX asked me why it took XXXX so long to pay the medical bill and I reported to him that was a question for XXXX not me. According to the FCRA : Duty to Correct and Update Information - If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify allCRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
Transunion also had an obligation under the FCRA to report accurate information in which they should have questioned the update status as they collection accounts never appeared on my credit report until XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have items showing negiitive reports on accounts my ex wife must have got in my name unknowing to me 

Company response: Company chooses not to provide a public response
Consumer complaint: I was trying to pay my mortgage over the phone and the automated system kept telling me that it did n't recognize my account number, when I finally got through and entered my bank account information the payment seemed to go through and I was given a confirmation number. I called and checked on it several days later and it confirmed that my payment was received. When I received my next statement it showed a " payment reversal '' and a late fee charge. When I called to ask why my payment was reversed I was told that I entered my account number wrong. I was charged a {$100.00} late fee. I believe that it was the system 's error that caused this problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion, care of said XXXX XXXX at XXXX, now claims that the letter addressed from XXXX to me is " unacceptable '' to substantiate deletion of the purported delinquent record on my credit report claiming that I still owe XXXX XXXX {$780.00}. Evidently, the FCBA is a bunch of hogwash, and Federal legislation is a joke, because the credit bureau does n't think it 's binding. They clearly believe that they can 1 ) completely ignore the billing dispute of a consumer 2 ) promise XXXX service at XXXX rate and overcharge them for services at will 3 ) fail to even acknowledge the consumer 's billing dispute 4 ) and then report delinquency to their credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XXXX, I fell victim to a disease called XXXX. I would suffer XXXX attacks of XXXX over the next 2 years. XXXX would disable me for several days. XXXX would require surgery. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX total XXXX. She has been unable to work since, XXXX, XXXX. 

In XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are drug addicts and are both in jail. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there not anyway that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Macys XXXX has placed me on electronic billing statements without my permission several times. I have gone to their website to request paper statements to just be switched back to electronic statements a few months later without my request. Being that Macys spams my email account several times a day with unwanted marketing material, I opt out of their emails which removes Macys.com from my email box and therefore electronic statements never make it to me. This has happened twice in 18 months which resulted in 2, XXXX lates reporting to my credit reports over the last 18 months. Macys customer site for their consumer charge card is confusing and uses multiple pop ups trying to trick the consumer into electronic statements without the consumer understanding. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have XXXX on my credit report there is no XXXX in my area, plus have not had cable for almost 2 years. Was not me. Have been a victim of identity theft in the before, might be related. Person who stole my identity was prosecuted. Please remove from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has been harassing my wife and I over the past year. We are crippled by this debt. When we told, we could not make the high payments, first they suggested consolidating the loans. After consolidation, the payments became even higher. Then, we asked to have them unconsolidated and they refused. it took several phone calls. Also, my wife gets calls almost daily just letting her know a payment is due. The loan has been deferred since she took some classes. They have called her and our mother in law who is the cosigner. The information is inconsistent online and who you talk to in person. and you just get the run around. Today, I was about to make a payment and they refused to take it. They said it has to be a bank card. This was my last straw. I offer to pay the money and you refuse to take payment. This has been a huge nightmare, and this vendor should be barred from taking on student loans. My wife even was diagnosed with XXXX and is not able to work full time. Still, they wo n't offer any relief. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given free credit protection with Experian due to a security breach. It promised that I would be able to see my credit score right on their website. But, I could not get it, so I called. After much wasted time on the phone Experian said that it was not included in my free service, but that I could get it at freecreditreport.com. So, I logged in there and was told " Congratulations, you are eligible for a seven day trial membership {$0.00} credit report. '' But, when I tried to access it, it told me that the cost was {$21.00}. Another very long frustrating call and I was told that it would be available in 2 days. I totally do not believe this and am convinced that Experian is deliberately misleading and deceiving customers. Please do something to make them stop. Thanks. 

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

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

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

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

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a car loan that appeared on my credit to be open with a balance of {$13000.00} still owed. i filled a complaint with all three credit bureaus to dispute this as the car loan with XXXX XXXX XXXX has been paid and settle since XXXX of 2012. I had a settlement with the car loan company to have XXXX ( a car dealership ) buy the dodge calibur for {$10000.00}. XXXX XXXX XXXX agreed to accept the {$10000.00} for the loan. I have a settlement agreement offer.It would show the loan was paid/settled. I was in good standing and was n't reported as late to the credit bureaus. When i noticed the car loan was still showing it was a current open loan for a reamining {$13000.00} i disputed it with the credit bureaus. I have heard back from everyone and XXXX and XXXX have it update to be true and correct. Transunion has now changed the account to be derogatory, with {$3500.00} in late payments and not paid. I contacted transunion to talk about their findings. I advised them i sent them proof of the settlement and that nothing is owed and that the account was never derogatory. The account should say paid/settled as the other credit companies have reported. They did verify that they received my proof and have it on file however the car loan company gave them different information and they have to go by what the car loan company has given them. I do n't understand how they can report solely on what someone says while the consumer has proof of the settlement. This discrepancy has cause my credit with them to plummet XXXX points since their false update. I have attached what experian concluded from their investigation which was true and correct and attached what TRANSUNION HAS FALSELY REPORTED. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a condominium in XXXX 2015. I have excellent credit with a score of XXXX at that time. I sought out, and got preapproved for fixed interest rate 20 year and 30 year loan terms for 3.75 %. when I made my offer I was told the condo units needed XXXX approved financing and that I would have to use their mortgage company : pinnacle Capital Mortgage XXXX. So I talked to my preapproved banks and they agreed I had to go with such a bank, and they were not approved for it. I went through pinnacle and I am upset that their interest rate was 4.25 %. So, I feel I had no choice but to pay the higher interest rate. All the terms were the same and the only reason the loan officer would state was that " it was a condo '' so I had to pay a higher rate. I just feel this was unfair and should be reported to the proper agency to investigate. They have sold many condo units and was told they provided 90 % of the financing on them. Incidentally, my loan was sold from Pinnacle to XXXX mortgage 1 month after I closed the transaction. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company