AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To whom this may concern, When I checked my credit report I seen where a debt was reported by XXXX. I filed XXXX disputes with trans union and did n't receive any verification to prove debt was mines. I had an apartment with XXXX and had a bed bug incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being attacked by bed bugs and washing all of our clothes and shoes costing me XXXX of dollars, when I called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me I could terminate the lease but I was still entitled to pay XXXX 2014 rent which I paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to trans union and they advised they do n't verify if debt is actually yours with written documentation they just call. I spoke with the supervisor from trans union who did n't call me back. This has been a disaster I am a single dad and this is hindering from getting an apartment. Please Help!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. 

They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. 

It 's not fair that I 'm being held captive for something that does not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX loans with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. I made XXXX payments via bill pay thru XXXX Bank. I had XXXX accounts XXXX XXXX. It was sent to the wrong account. According to XXXX XXXX XXXX XXXX from XXXX Research Dept, XXXX XX/XX/XXXX XXXX cashed my check for {$1100.00} and sent it on XX/XX/XXXX to Nationwide Credit Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX EST XXXX. Again XXXX payment was cashed on XX/XX/XXXX and sent again to Nationwide Credit Inc . In XX/XX/XXXX, I made a settlement with Nationwide Credit Inc . I sent them the money. XXXX never corrected their record. Instead of sending the money back, XXXX sent the money someplace else and record my account as delinquent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had XXXX work at XXXX XXXX of XXXX in XXXX 2014. I paid my part in full before the procedure. They failed to do the insurance paperwork and they kept sending me bills for the part covered by insurance. I contacted them and the apologized and gave some excuses about the issue ( which I do n't think was the case ). 

After a while I received a letter from Debt Collector. 
I contacted debt collection agency and the dentist office to resolve the issue but it did n't work. I contacted the insurance company and took care of the issue myself and had them send the doctor the check. 
Insurance company record shows that the doctor has cashed the check. After receiving calls from debt collector I contacted the doctor again and doctor 's secretary apologized for the problem affirming I never have outstanding balance. ( all email correspondence attached XXXX But the debt collection agency keeps calling me and they say their client XXXX dentist ) says they have never received any payment, and they continue their harassment after a year. 

Company response: Company chooses not to provide a public response
Consumer complaint: I consolidated my student loans in XXXX XXXX. I have been in good standingwith the XXXX XXXX borrowers ( XXXX ) since XXXX XXXX. This acct waspreviously being reported in error as a collection/chargeoff up until recently ( approx. 6 mos ago ). after disputing this information ; consistently since XXXX and going thru great length and providing detailed documentation from thenational student database, this account was changed from collection/chargeoff to paid to paid/closed ( again approx. 6 mos ago ). I disputed the dates a few weeksago ( it reports open in XXXX & XXXX ). I challenged the timeframe ( 10 years ) toremain on my credit report and I received only a few days after the disputeresults from Experian not only not honoring the dispute/or removing them basedon the dates exceeding 10 years but the report was updated to CHARGE OFFAS OF XXXX XXXX THUS LOWERING MY CREDIT SCORE BY XXXX PTS. 
ONCE AGAIN, THIS ACCOUNT WAS DEEMED PAID/CLOSED AS ARESULT OF A EARLIER DISPUTE AND HAS BEEN CLOSED XXXX XXXX. 
Theres no activity/updates to this closed account!!!! THIS ACCOUNT IS NOTA CHARGED OFF ACCOUNT. ITS BEEN CLOSED SINCE XXXX! 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe that I am being billed incorrectly or the payments are not being reported correctly. I have paid a past due amount of {$66.00} and I 'm still being billed for it. It is a negative reflect on my account. Also, I was told that my payments would be approx {$34.00} per month and I have been billed for more, in which they keep increasing the amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : Santander BankWithout notice to me, Santander Bank closed my account XX/XX/XXXX and tookthe balance for themselves without sending me a check. It was only for {$.00}, but thisbank has a reputation for bad bad customer service and corruption. When I went to use the debit card to close out the acct, it was rejected. 

I want the monies refunded, immediatelyXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: its been XXXX mths and i havent hear one word 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage that our account was in default for XXXX months. My wife XXXX XXXX handles all of our bills and payments. She was in CA at the time so I called her to ask about the missing payments. She was shocked and said it 's impossible because our mortgage is set up on Automatic Bill Pay through our Wells Fargo Bank Account. Our mortgage is also with Wells Fargo. She called WFM and it was determined that XX/XX/XXXX and XX/XX/XXXX 's payments were mailed to XXXX ( the originator of the loan XX/XX/XXXX ). Through research with a WF online banking representative, it was determined that somehow the system sent the check to XXXX rather than Wells Fargo like it had been for the past several years. A claim was filed and the money was returned for payment to our mortgage account. In addition, WFOB reversed all fees due to the system error. WFHM was also satisfied. However, my credit report shows that I was more than XXXX days late on the payment for this time. My wife and I have written several disputes to WF Credit Bureau disputes department and we 've included documentation. They have replied XXXX times with there will be no changes, they feel they are reporting accurately. I 'm shocked by this, considering we have our mortgage and bank with Wells Fargo. It is very clear that payment was made both months ( they reported one month as fine ) and an error with Online Bank caused the payment to be sent to the wrong company. It is clear that I am not going to be able to get this matter resolved directly with Wells Fargo. Our bank statement clearly shows payment made to mortgage as well as fees reversed for error. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I was told my new mortgage payment effective XXXX would be {$630.00} based on a loan balance of {$100000.00}. On XXXX I made a payment of {$22000.00} to reduce my loan balance to {$86000.00}. Despite this payment, Greentree claimed that my mortgage payment would still be {$630.00} despite the reduced loan balance. I have spoken to Greentree XXXX times only to be told " they would look into it '' but that I still had to pay {$630.00}. On XXXX XXXX they sent me a letter saying that " my account has been approved '' but that I have to continue making the {$630.00} payment until I hear from them. I have never missed nor made a late payment. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My check was fraudulent from a potential employer. I did not know this before the submission to the bank since I was seeking an employee account. When the bank informed me that the check was a fraud. They then requested documentation of the entity that sent me the check. The next day I went to the original banking center and submitted the documents I had. I asked The representative to call or contact my Credit bureaus and informed them of my intrusion into my finance. the representative then stated " no that 's not my position '' and decline to inform the authorities about my encounter. I further informed Him that this is the XXXX time I have been sited for this kind of fraudulent conduct and he still stated that he would do nothing on my behave or " not his position ''. How can we Americans stop this type of intrusion unless we have better assistance with these needs. Life, Liberty and the Pursuit of happiness comes in where on this matter? Thank You for you consideration on this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX XXXX accts that have been sold to a third party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in 2013 I filed for divorce and was awarded our home having XXXX children. I knew i had to change careers to earn more income so I did but it was still not enough because it was still XXXX income. I tried to refinance the home threw Wells Fargo and talked with XXXX XXXX there XXXX. After being behind 2 months during the process of applying I was able to save the money to catch up on my payments. XXXX XXXX advised me not too for the fact that the refinance committee would ask were the money came from and not to pay it. She urged me to stop paying all together. I followed her advice. Over a matter of weeks I followed all the instructions XXXX XXXX had given me. I only ask that as i try to make a quick sale that Wells Fargo will grant me 60 days additional for the sake of my XXXX daughter XXXX so this does not traumatize her. This has been an absolute nightmare for me to take on alone so that my children could focus on there studies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Barclaycard XXXX XXXX XXXX XXXX XXXX online ( a United States credit card ). The next day I got a voicemail from Barclaycard security asking me to call back to verify details about my application, but they left a different callback number. I searched for that number online and found nothing associating it with Barclays. This lead me to be concerned that I had had personal information stolen. 
Because this was n't clear to me from the phone call, I called Barclays main customer service number to attempt to verify that the number they had me call back to was the appropriate main number. My only objective in asking for them to verify this information was to determine if the call I got was legitimate so I could call back. Instead, I was asked a series of personally identifying questions, and then told my card had been rejected. This was not my desired outcome, but it is not my primary concern ( although they did say that they were rejecting my application because I did n't sound like a man, which is concerning ). 
Here 's my problem XXXX bear with me, this gets a little tricky to describe ) : During this phone call, I was asked to provide " other phone numbers associated with my credit bureau statement. '' I provided XXXX numbers. XXXX number was my parent 's number, the other was an alternate number XXXX XXXX XXXX XXXX that rings through to my phone. I was thereafter placed on hold. Immediately after being placed on hold, my XXXX XXXX number rang with the phone number XXXX XXXX XXXX XXXX. XXXX The person on the other side of the line identified themselves as calling from XXXX XXXX, and asked to speak to my mother ( by name ). 
This was such a bizarre occurrence, I started to question whether or not this was a legitimate credit card operation or whether I had been scammed, and whether my identityhas been compromised. 
And I never did get the basic thing I was calling for ; verification that the original phone call I got was from a legit number. 
Any help in developing an understanding of whether or not my identity has been compromised would be appreciated. 

Original page was at XXXX*An online search associates this number with Barclays in Delaware, only in XXXX and on no official webpage. 

Company response: Company chooses not to provide a public response
Consumer complaint: its been XXXX and no answer 

Company response: Company chooses not to provide a public response
Consumer complaint: This company XXXX XXXX XXXX XXXX XXXX, TX-XXXX Telephone XXXX XXXX is reporting to Experian that I owe them XXXX. For a rent sofa that was picked up by the store truck. I have disputed this Item over XXXX times and the credit reporting agency is telling me they can not do nothing at all. I call this company and they told be they do n't have this acct and do not know who does ... but they are still reporting. This has cause me and my family severe damage on my credit ... PLEASE HELP. 

Company response: Company chooses not to provide a public response
Consumer complaint: I'm filing a complaint against Westlake Financial Services. Recently Westlake Financial had  a third party company come into a private apartment community and repossess my vehicle without my knowledge or consent. Upon contacting them I tried making arrangements and they told me I was lying even after I told them that I would be recording the conversation. They didn't try to offer me and kind of financial assistance or programs that could help me obtain my vehicle back. I have put so much money into the car and can't afford to lose it. I recently fell on a rough patch after losing my job, which is why I couldn't make payments. I have XXXX children that require various XXXX appointments for different things, but without my car I'm unable to get them back and forth. Myself , spouse, and children all have XXXX XXXX a week, which we haven't been able to get because of lack of transportation. I have been  working diligently to get the money I need to get my vehicle returned to me as it is very important. I feel that they should help me find financial assistance that will help me with my monthly payments so that they can get their payments. I'm currently seeking employment so that I can successfully make my payments and get the car payed off on my own, but it's really hard doing so without my car. Again Westlake Financial offered me no kind of help or referral services to obtain nor keep my vehicle, which as I stated is crucial to my everyday living.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: HelloI am seeking help with a debt collector calling from the phone number of XXXX, that is constantly calling my place of employment. I am not allowed to receive personal calls unless it is a life or death matter. They are now asking for my supervisors since I am not able to take the calls. Please tell me what I can do, I am very afraid that they will cause me to lose my position here. This is truly harassing and should not be done to no XXXX at their place of employment. 

Thank You. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I asked for my documenation I asked for it numerous times but nobody is responding 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I responded to an online Ad for a free consultation with California XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation right ended on XXXX business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is more than doubling my mortgage payments on a rental property than I have been paying them for XXXX years on time every month. They found out what I 'm charging for rent, so they are trying to make my payment the same as the rent. They told me they do n't care if I am not making any positive on the rental. Why would I keep a property with no monthly income? 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago, a company called XXXX Collections added an incorrect collections account to my Experian credit report. Initially, I sent letters to both XXXX Collections and to Experian. Experian amended the item to say that it was disputed, but did not remove it. After a few attempts, XXXX Collections sent me a letter notifying me that the item would be removed from all of my credit reports. I sent a followup letter to Experian, certified with return receipt, saying that I was sending additional information to support the removal of this item from my credit report. I included a copy of the letter from XXXX Collections. 

Incredibly, instead of removing the item, Experian sent me the enclosed communication saying that " [ They ] received a suspicious request in the mail regarding XXXX my ] personal credit report and determined that it was not sent by [ me ]. '' The letter also says that they will not be initiating any disputed based on the " suspicious correspondence '' and that " Experian will apply this same policy to any future suspicious request that [ they ] receive regarding XXXX my ] personal credit information. " This is a serious problem, because some disputes ( such as faulty pseudonyms ) can *only* be handled by mail. Experian 's unilateral decision to ignore information that I provided - with my signature on XXXX the letter and a return receipt notice postmarked to the same address to which they sent the enclosed notice - presents an unprecedented breach of protocol. What further steps should I take to ensure that correspondence does not appear " suspicious ''? Get my letter notarized, perhaps? That will be next. 

I should add that Experian 's online dispute process has never worked for me - they have an authentication step that I can never complete, even though I know more about my life than they do - and they make it deliberately difficult to contact them on the phone. Now they have taken away the last known recourse available to me. 

Their letter includes a threatening allusion coordinating with law enforcement, but it seems to me that law enforcement should be investigating Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX office representative made false statements, and when I disputed the debt originally it was dropped from my credit history. 4 years after this was done, XXXX XXXX is attempting to collect what they think is debt. A person authorized to repressent the company told me that I would owe a certain amount and that amount was paid, when a different amount was attempted to be collected I was told that it did not matter what that person agreed to. In New York State a verbal agreement is tantamount to a contract and as such is where they provided service. They have harassed me for the last 7 years to collect something that is not owed to them. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I received harassing phone calls at work and on my personal cell phone from a third party debt collector calling themselves " City Management Group. '' These people stated that I owed money for a payday loan from XXXX. This loan had already been paid off, but this third party debt collector was trying to get me to pay them for the debt again. My attorney sent the company a letter showing the debt had been paid. Their phone number is XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: XXXX has that I owe {$15000.00}. My car I got through them was stolen XXXX XXXX. And my insurance paid off the balance 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed the following account on my credit report ; I sent Experian letters which I received from the creditors which shows that the account are being reported in correctly. The letter also states that the accounts should be deleted, and or updated to reflect no late payments and etc. I have disputed this with Experian who fail to perform a proper investigation into the matter. They also have failed to removed the accounts from my reports, even after the creditors have requested it all be deleted or updated to reflect no late payments or past due. Please help me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response