AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. 
They said that the credit companies would be notified. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I sent Central Credit a cease and desist letter. They continue to call me XXXX times a day from different telephone numbers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Was sent several mailers as well as emails informing me of a sign up bonus of XXXX XXXX XXXX XXXX when i applied for a credit card with citibank. I applied for this card, was approved, Met the terms of their offer, and now they are refusing to give me the sign up bonus, based on some internal policy which is not transparent to the consumer, as well as using targeted advertising to me specifically. If i was not eligible for the offer they presented to me, they should have not presented me with the offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: So Experian has a massive data breach through XXXX, and I get to pay them, and the other XXXX XXXX, for the privilege of freezing my credit reports to minimize the damage they did to me through their incompetence. See anything wrong with this? 

Company response: Company chooses not to provide a public response
Consumer complaint: Unable to receive any monthly statements for a loan that I opened in XXXX 2014 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX XXXX XXXX has been my Cellular Carrier for about 20 years. I 've always made every payment on time. I had their sister Company, XXXX XXXX, for awhile and due to problems, had to have it disconnected. During the time I had XXXX, it was combined-billing with my XXXX XXXX XXXX Cellphone Service. Sometime after cancelling XXXX, I began receiving notices from various Collection Agencies that I still owed XXXX XXXX XXXX for their Services. I contacted both XXXX XXXX XXXX and XXXX XXXX Customer Service, and they XXXX told me they showed no outstanding Debt on my Accounts. XXXX XXXX XXXX continues to harass me via XXXX Collection Agency after another, yet can not provide any proof of exactly when, where, and what the outstanding debt they claim I owe is for. The latest harassment is from a company called ERC, address is a XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I believe it is illegal to operate a XXXX XXXX XXXX out of a XXXX XXXX XXXX, a violation of Federal Law. XXXX claims that my debt owed is {$84.00}, for XXXX XXXX XXXX Account XXXX XXXX, which is not my current account number, although I have had uninturrupted Cellphone service from XXXX XXXX XXXX for approximately 20 years now. ERC Collections Reference Number being XXXX on their latest letter to me.. I have had about XXXX Collection Agencies over the years, hounding me for this money, and every time I contact them and explain that XXXX XXXX XXXX has verified with me by phone calls to their Collections that I owe no money, the Collection just gets sent to another different Collection Agency who begins the harrassing letter process over again. I have responded to these Agencies in writing several times, refusing to pay anything, based upon my conversations with XXXX XXXX XXXX and XXXX XXXX both stating that I owe nothing. This continuing harassment for no proven valid reason has damaged my Credit Rating, and at this time I request followup investigation, and notification to XXXX XXXX XXXX and all Collection Agencies past, present and future involved, that this is a Complaint for unjust harassment without substantive proof, and that they are to immediately sease and decist, and that I am entitled to any and all reparations under the Law for their conduct towards me, and for the continued non-stop harassment that I have encountered over the years, due to these Companies falsely accusing me of oweing money without any substantive proof of such, and despite my repeated phone calls and letters to these Companies, who have XXXX agreed verbally that I owe them no debt, but have failed to remove me from Collection Agencies rolls,, promptly and properly, per all Laws XXXX State and Federal. Further, I request that all resulting correspondence of any nature be addressed to me in writing and sent to me, and that it contain a name, department, and phone number of any employee seeking any information relative to, and or pertaining to, any aspect of this entire matter. I also request a receipt of confirmation in writing, for this complaint I am hereby filing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: iN REVIEWING MY CREDIT REPORTS WITH eXPERIAN AND XXXX, I noticed that the Accounts section is devoid of any relevant information regarding my current revolving account with XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a sears card last month while in a Sears store shopping because by opening the card I could get a percentage off my purchase. I called Sears two weeks later to find out how I could pay off the card. They would not give me any information unless they could verify my ssn. I explained that I do n't use my ssn for verification. I asked them if they could verify something else. They said no. I went into a Sears store to pay my card off about a week later. I called two days later and requested to cancel my card. They would not continue the call with me unless I verified my ssn. I said I am not asking you for information on the account I just want to close it. I was transferred to fraud who took me through verification. I asked how do I close my card and she said we need your ssn first. I asked her if there was another way to close the account she said no. I refused to give her my ssn just to close the account. The call escalated and she hung up on me. I believe the ignorant lady 's name was XXXX. If I would have known that the ssn was a prerequisite for getting any business done on this card I never would have opened it. 

Company response: Company chooses not to provide a public response
Consumer complaint: SHERIFF SALE THIS TUESDAY - XXXX/XXXX/15 Bank FraudHI. I filled out documentation for a loan modification on XXXX XXXX, 2015 for a {$900000.00} mortgage. Our situation has changed and we have enough funds to pay the monthly mortgage. 
All documentation that Wells, Fargo Home Mortgage required was submitted. 
I received a call XXXX weeks ago that I was denied the loan because our mortgage was over {$720000.00}. This is ridiculous because Wells, Fargo knew the loan was over {$900000.00} back XX/XX/XXXX. 
I called and spoke to XXXX XXXX who said that this was not the reason for the denial. She stated that we were denied because I did not produce a profit and loss statement for my real estate company. I told her that I do not have a real estate company and why was this not communicated to me? In addition, I asked her why I got a call last week that my loan was denied due to it being over {$720000.00}. 
She said that was incorrect and I was grandfathered due to some regulatory change in XXXX, 2015 ( I looked this up on the internet and could not find a " regulatory change ''. Then, I received a letter from XXXX XXXX stating that I could do the modification documentation, but " it is to late due to a sheriff sale on XXXX XXXX ). 
I extended the sheriff sale to XXXX. I then got a call from XXXX XXXX ( XXXX ext, XXXX XXXX last Thursday. He said he is investigating the whole situation and knows the sheriff sale is XXXX. How can he possibly investigate this by Tuesday? We need to postpone the sale which takes a call to his attorney XXXX 5 minutes ). I got a letter in the mail last night dated XXXX/XXXX/15 from XXXX XXXX. 
She is reminding me again about the sheriff sale on XXXX/XXXX/15 and says she would be happy to look into the matter but is it to late. 
Please help ASAP. The whole situation above is FRAUD. I was denied for reasons that are not correct. Time is of the essence. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : This is to let you know that TransUnion has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is XXXX to XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( TransUnion , XXXX & XXXX ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
TransUnion should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, TransUnion is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. TransUnion has failed to do so. TransUnion has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, TransUnion should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against TransUnion for FCRA violation and character defamation ( all of which have materially damaged my life including increased insurance charges and inability to secure a job ). 
I have attached a document that includes commentary directly from XXXX XXXX XXXX XXXX XXXX confirming that they have misrepresented the first date of delinquency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wellsfargo continuously misapplies payments and proceeds to charge late fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenXXXX, Experian 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a holder of a XXXX Mastercard, issued by Barclaycard. In the last month, Barclaycard has stopped XXXX of my transactions and harassed me either via phone or text message that my card is blocked due to security concerns. 

The transactions ( XXXX XXXX / XXXX XXXX / XXXX XXXX and two times on XXXX XXXX were in range between XXXX - XXXX USD. As Comparison, my Credit Line is XXXX USD and my annual spend with the Card approx. 60k USD. 
I understand that as a card owner I have the obligation to support the card issuer to keep my account safe, but stopping the usage of my card XXXX times within a calendar month where non of the payments are disputed require your regulatory advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX 

Today I received my XXXX credit profile only to find their derogatory tradeline displayed. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I sent CMRR ( XXXX ) for debt validation to XXXX XXXX, as I had no idea what this debt was on my Experian report. XXXX XXXX never responded. I disputed with Experian numerous times between XXXX and XXXX. XXXX XXXX XXXX I sent Experian a Certified letter, again, requesting explanation of this debt they 'verified ' ( Certified XXXX ) Experian always comes back as verified. I even called and spoke to a customer service rep for Experian and he was going to look into it. 2 days later, the debt is verified again. I 've written to Experian asking them to show me how they verified, and this has not happened. What is happening is that they are clearing in violation of the FDCPA. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unable to obtain any of my annual credit reports online. I have had XXXX cc frauds in past year. How an you monitor credit if you ca n't get reports? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX hired Financial Asset Management Systems to Collect on a private student loan. Financial Asset Management Systems has repeatedly used deceitful collection practices to try and collect on the debt. I called Financial Asset Management Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. XXXX has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contact by XXXX XXXX and they said they were collecting a debt on an old account I told them I needed additional information and I was told it cost them more money to get account information but they have enough to proceed with further actions if I do not pay. They mentioned they seen I have cleared up all my past debts so that prompted them to contact me to clear the one they purchased. I have they kept asking me if I seen them on my credit report which I answered no but then said used it as a threat which they did add to my report. Once on my report I could see the name of the original creditor " XXXX XXXX XXXX '' The qualifications to join this union are to be a XXXX resident. I have never lived or know anyone who lives in those stated. I am not eligible to even have services from this credit union. This is clearly fraud and they are constantly acting as if they a re making changes to my report so they know my credit monitoring will alert me. I submitted a dispute to experian they did not change anything. They should have an application of some form with my address or how I am eligible to have a loan from this credit union. This is not a standard bank. That should have been an easy way to find out if this is a true debt of mine I am not sure what the review process is but I do n't believe it was looked into correctly. I communicated with XXXX there were several disconnections they told me the have a internet phone system. If I legitimately owe this I would pay but it seems far too sketchy and they seem to now how to pull of the disputes of experian they did n't even try to add to my other credit files. I am not trying to discredit anyone maybe they bout a bad debt with wrong file information. I tried to submit another dispute being more detailed about the fact I am not eligible for this credit union but they say they will not review the same dispute twice but I can put a comment on my file. If they do not look closely they are only adding to the problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: WHAT HAPPENEDProduct : Experian Credit ReportingIssue : Credit reporting agencies ' ( CRA ) investigation was inadequate and failed to consider Creditor Payment History spreadsheet and Borrower Check LedgerDescribe what happened so we can understand the issue ... 

Experian Refused to Require Credible Debt Verification on the Part of Major Subscriber XXXX. 

The Federal Trade Commission and the Consumer Financial Protection Bureau should take the lead in forcing Experian and XXXX to comply with Federal Law and Federal Court Order. Moreover, CFPB has recently issued a Bulletin finding inadequacies in the CRA validation process and there is a pending Federal Court case challenging same ( State of Mississippi XXXX Experian Information solutions , Inc. XXXX ). 

Experian refuses to require " Furnisher '' XXXX to bring its credit reporting system into compliance with the Fair Credit Reporting Act ( FCRA ) ; acceptable debt validation process in general ; and, the XXXX 2014 United States District Court Consent Order, in particular. Experian continues to use unverified data provided by XXXX in its valuation of credit reports and resulting credit scores. Although the Consent Order systematically invalidates XXXX data collection/reporting process, Experian appears to be acting in tandem with XXXX to refuse to facilitate credible/acceptable debt verification. In fact, Experian simply ignores the existence of clear and convincing evidence that XXXX has " routinely '' misreported debtor payment history and otherwise made inappropriate " assessments '' to Borrower accounts. 

In the instant matter, Experian unilaterally accepts XXXX undocumented position that I am {$15000.00} behind in mortgage-related " assessments '' and 12 months behind in mortgage payments. Among other credit report wrong-doings, I am legally entitled to copies of Experian 's debt validation referral to Furnisher XXXX - and XXXX response. XXXX and Experian should not be allowed to engage in secret communications concerning debtor account and inquiries. I have repeatedly requested a detailed breakdown of the alleged and bogus {$15000.00} assessments and identification of the specific 12 months of mortgage payments I am allegedly in arrears. Providing this information is crucial given the District Court 's invalidation of XXXX internal reporting system, and the fact most of these charges were assessed during the period I was under Chapter XXXX protection ; a clear violation of Federal Bankruptcy law. 

Experian should not be allowed to ignore un-refuted evidence ( in the form of the Consent Order, check ledger and Payment History spreadsheet ) of wrong-doing and systematic misreporting on the part of XXXX of its major subscribers. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX, to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with XXXX XXXX. Pursuant to XXXX XXXX ( d ), the XXXX at XXXX XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX at XXXX XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Prince Parker & Associates is an accounts receivable service company that prides themselves on quality in developing solutions for payment options between businesses and its consumers. On XXXX XXXX, 2015 A representative by the name of XXXX from Prince Parker & Associates contacted me via phone in regards to an attempt to collect a debt. She caught me at a bad time ; however, before I could relay the message to her she spoke to me in a very disrespectful manner. The communication was very abrupt and she accused me of refusal to pay the company and threatened to immediately report my account to the credit bureas, demanding a payment be made in full that day. I was a little taken back, as I am aware the amount due ; however, there has been a very limited amounts of attempts in contacting me to discuss a solution. In addition, I have had a tremendous amount of financial hardships that have caused me to be unable to make any payments. I am back on track and attempting to resolve any financial discrepancies I currently have. XXXX XXXX made a few statements, one of which was very unneccessary prior to hanging up the phone in my face. She states " whatever, it 's your credit not mine. '' This had me very disturbed, as I have worked in customer service and Patient Care for over 8 years and understand that this is deemed inappropriate. It does n't matter if I am in debt for XXXX cents, the purpose of this company is to develop a financial solution with the consumer in hopes of resolving accounts for certain businesses. I contacted the office immediately to speak with a manager, XXXX XXXX, who gave me the name " Pam '' ( It was n't until I called back, that another representative gave me her real name ). Upon this conversation, I realized the company had an incorrect address listed ; therefore, any mailed correspondencies had not been received. I began to inform the manager of the problem I experienced, rather than her rectifying the issue, she began to tell me, " I will update the address but we have contacted you numerous times ( numerous being three, based on the dates she provided me with ) No one should have to contact you in the first place to tell you about any debt that you owe. You knew when you made a commitment to pay that you would owe. I will report this as refusal to pay to credit bureau. Good Luck to you. '' She never attempted to discuss future payment arrangements or bothered to ask what my financial situation was. No solutions or options were offered. After hanging up on me, I called again. XXXX XXXX answered again, refusing to provide me with her name nor any information about the company. I am very disturbed as I have no issue getting this account resolved, but what I do have a problem with is representatives working in customer care/service or do not provide quality nor genuine concern. Furthermore, these type of representatives do not serve as assets to the companies, only liabilites. In essence, you are not contributing to the Accounts Receivable Dept of the company but allowing the company to take even more losses. 

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