AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and TRANSSUION has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX not mine, No proof of debt- Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a financial hardship that started XX/XX/XXXX. By XX/XX/XXXX, I started falling behind on my mortgage with Wells Fargo. I immediately contacted my servicer stating that I was having financial difficulties. XX/XX/XXXX, they proceeded with the forclosure process. I responded immediately that I wanted to bring my loan current and stated that I needed a repayment plan to catch up, but they denied my request along with all my previous requests for a forberance plan and repayment plan. I was denied of my legal right to bring my loan current. Instead, I was railroaded to different departments for several months without a cleaar answer, neither in writing or by telephone. I contacted XXXX, attended their conventions several times without success of achieving a repayment plan. They only offered loan modifications or relocating assistance. This whole time, all of my requests have been ignored. It has always been my intention to pay my mortgage and continue with the loan terms as they are. I am holding Wells Fargo responsible for ignoring my request and their delaying tactics that cost me an enormous financial harm and the possibility of losing my home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a bill from XXXX XXXX XXXX which I have paid. I have received subsequent contacts from Harris & Harris debt collection by mail, and phone attempting to still collect a debt which has been paid. I have copies of cashed checks as proof of payment. Actually I accidently overpaid the debt by {$100.00} for a so XXXX XXXX XXXX owes me {$100.00}. Harris & Harris began calling me at home and work. I have documented the following dates and times Harris & Harris called me on my cell : XXXX Est from XXXX, XXXX EST from XXXX, XXXX EST from XXXX, XXXX EST from XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I checked my credit tracker and there is a XXXX XXXX account in my name that I do not have 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016, I initiated a " Send Money '' payment for {$770.00} from my checking account with USAA. The transfer vehicle for this payment was XXXX. The {$770.00} was debited from my account on XXXX XXXX, 2016, but never entered the XXXX system, and was not received by the recipient. Since then, I have contacted USAA multiple times to resolve this issue, and have been met with a refusal to provide any restitution. Additionally, USAA has continually referred me to XXXX to rectify this issue. USAA supplied me with a XXXX transaction ID with which to locate this payment. XXXX has no record of this transaction ID, and has no record of any transactions from my account for that amount using my checking account information. On XXXX XXXX, 2016, I spoke with a member of USAA 's Executive Resolution Team named XXXX, who, after talking directly with XXXX, informed me that USAA would be crediting my account for the entire {$770.00} within XXXX business days. After 8 business days, my account has not been credited. I spoke at length again with XXXX members of USAA 's Executive Resolution Team ( XXXX and XXXX ) on XXXX XXXX, 2016 to try to ascertain the whereabouts of my credit. These individuals informed me that USAA would not be crediting my account ( as previously promised ) and that I would have to take up the issue with XXXX. Although I informed USAA representatives repeatedly that since the transaction does not exist with XXXX there is nothing XXXX can do, they refused to offer me any restitution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was mislead on all information on the predatory school loans provided by Genesis Lending XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Please see attached letter to Wells Fargo Home Mortgage and documents of proof, copies of MY DEEDS of Full RE-CONVEYANCE, I DO NOT HAVE A MORTGAGE WITH WELLS FARGO. 
Below I will mark making payments because the account number did not exist and when I went to Wells Fargo to make payments, the account did not appear on screen, so the agent would enter my name and take the payment. One day the agent just told me look XXXX XXXX this is not a Wells Fargo Account. Check with them to see why they are sending you statements. I knew I did not have a Mortgage and that my home would not have appraised out for that amount, and if I refinanced XXXX times as they contended, where was the Money? I did not at any time have a Mortgage with Wells Fargo nor did I refinance with Wells Fargo ever. ( See attached proof of deeds of Full Re-Conveyance ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Central Credit Services is reporting the same debt multiple times on my credit report. I dispute the validity of the debt as they also never had the correct address or phone number until I recently contacted them after viewing my credit report. But without question, they have reported the same debt 3 times on my XXXX Credit Report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was 6 months late with XXXX Wells Fargo credit cards. I was contacted once from Wells Fargo in regards to payment due. I was taking care of my XXXX father and neglected those cards.He passed and now I 'm being threatened to be sued by a law firm. I have made 2 payments, 2 months in a row on both of my credit accounts online. These accounts are still open, but I 'm being sued? Law firm says they will put a lean on my home too, but that I can pay them directly and they pay Wells Fargo? I 'm trying to catch up on my accounts to avoid suit. Can they sue me while Wells Fargo still accepts my payments online with what seems to be an open account? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ditech collects escrow monthly ( {$240.00} ) as part of my mortgage. On XXXX XXXX, 2016 I received a letter from my county stating I was deliquent in paying my taxes. I immediately called Ditech and their process for verifying that they in fact collect money for an escrow account was obsurd. They said to verify this it would take 14 business days and they would need to submit and review this by " research ''. Fast forward a week, and quite a few phone calls on my part, there was a resolution. The would in fact lay my {$2400.00} tax bill from my escrow account and they would charge me {$66.00} in interest because I was not an escrow consumer and, as per my request on XXXX XXXX, became XXXX. This is untrue. They have collected escrow since I bought my home in XXXX. These people are liars, sneaks, and impossible to deal with. They sent the issue back to " research ''. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I received a letter from I.C. Systems on XXXX/XXXX/16. My bankruptcy was filed on XX/XX/2016 and discharged on XX/XX/2016. I called spoke with Rep at I.C. made them aware of the bankruptcy provide attorney name and number. Fast forward to XXXX/XXXX/16 I was preapproved for an XXXX from XXXX XXXX XXXX was due to pickup on XX/XX/XXXX. On that morning I received a credit update from XXXX XXXX making me aware my score had dropped by over XXXX points. It was I.C. Systems and XXXX XXXX XXXX. I called the company to see why this happened and although my account notes notated that I called to report the bankruptcy. They proceeded to attempt to collect the debt anyway. I lost the vehicle due to the damage done to my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hi, my name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX, New Jersey XXXX. I have a mortgage with Wells Fargo Home Mortgage and I am trying to receive a loan modification on my mortgage. Wells Fargo is violating the law by not modifying my mortgage and I submitted twice for modification and they have refused like they continue doing with majority of people. They have my property schedule on XXXX XXXX, 2016 for Sheriff Foreclosure Sale. I need your help in this matter and thank you for your cooperation. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I was evicted from my apartment at XXXX XXXX XXXX, XXXX, IL XXXX under Management of XXXX. I was given until XXXX/XXXX/XXXX to move out, and a judgement-XXXX was entered against me for {$1000.00}, which included attorney fees, and court cost. A sheriff notice was placed on my door on XXXX to move within 48 hrs before any sheriff came out I had moved out. On XXXX XXXX, XXXX, after finding another place I sent the landlord a notice regarding my deposit and when it will be refunded because it 's been over 45 days since the judgment. Instead XXXX XXXX XXXX, XXXX XXXX sent me ANOTHER bill-account XXXX which is separate from the judgment and is for rent for XXXX and XXXX, and some other charges that took my deposit. It totaled {$1600.00}. I disputed the bill on XXXX/XXXX/XXXX with XXXX XXXX XXXX, sending a certified letter to XXXX XXXX XXXX, XXXX XXXX, and their attorney and neither parties responded. Instead they sent the amount to the collection agency XXXX on XXXX/XXXX/XXXX. The collection notice did n't even give me a 30 day notice to dispute. Instead in a notice dated XXXX/XXXX/XXXX. They told me that they were reporting it to the credit bureau. I do not owe {$1600.00} this amount includes rent XXXX, XXXX and XXXX, XXXX that I was not made responsible to pay per court order, because I was evicted, and questionable charges that took my deposit of {$350.00} and the collection agency is not honoring the disputed letter sent to their client, XXXX XXXX XXXX, XXXX, nor did they send me a letter stating that I had 30 days to dispute the collection. I believe they have sent this to my credit report, I have n't received a copy of the credit reports yet. Please see documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid a XXXX card in full but there was accumulated interest that was not on my statement. I was not made aware of that until after I had a 30 day late put on my credit report. I paid the balance in full soon as I found out about it. I contacted XXXX but they would not correct the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was seeking a modification on my mortgage about four ( 4 ) years ago with this mortgage service company. However they set me up on a payment plan that I am not able to maintain. They said that they would do a modification about 2 years ago, but have been stringing me along ever since. I am eighty ( XXXX ) years of age with my only income from S/S of $ XXXX monthly. My house note is {$1100.00}. I had been maintaining the payments with the help of my daughter until she recently became unable to assist me. I want to keep my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Professional Account Management, XXXX, WI, allegedly acting on behalf of the XXXX VA, is trying to collect an " unpaid parking ticket '' in the amount of {$30.00}. The supposed date of the violation was XXXX/XXXX/XXXX. I have called XXXX and P.A.M and explained that on the date cited, I was at the Virginia XXXX XXXX, working XXXX. I have not been in XXXX since XXXX. Further, the citation states that the vehicle was a XXXX. I do not own a XXXX and have never owned a XXXX. Finally the P.A.M. notice states that {$40.00} dollars has been paid and the outstanding amount due is {$30.00}. I never paid anyone {$40.00} and I am not paying anyone {$30.00}. I explained all this to XXXX and P.A.M. in great detail in XXXX and advised them to check their records and find out who paid the original {$40.00}. I assumed it had been resolved, but I got another notice today. If this is a scam, I want them shut down. If this is shoddy record keeping on the part of XXXX and/or P.A.M, I want it stopped. P.A.M. threatens to destroy my credit. If that happens, I want my credit restored. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Closed our account with XXXX beginning of XXXX 2015. They continued to automatically charge my credit card on file for an additional months bill in XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since last XXXX, they continued to refer me to their 3rd party collection company. I talked with Sunrise several time to clear up the matter. I forwarded all the XXXX chats to the collection company ( Sunrise Credit Services Inc ). I just received a new collection bill from XXXX XXXX for the same issue. I called Sunrise and they only told me that the account had been removed from their system. I have not been negligent, I have contacted XXXX and Sunrise at every step of the way and continue to be told that the issue has been resolved and no debt is due by XXXX and continue to be lead on a goose chase by Sunrise, only to find out later by written mail that the have escalated the claim. At this point I feel XXXX is harassing me and has costed me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get XXXX to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have an account with WellsFargo. I have been client for many, many years. One day, out of the blue, when trying to place a transfer online, my money is frozen. I call the contact center and they told me that my account has been blocked, that they needed some additional personal information to unlock it. I answered their questions and they say they would process accordingly. A week later, still no access to my money. Called again, they say the needed more time. 

I can not believe that WellsFargo can just take me out of accessing my money, just because of and " intern process '' ... .still not indication on when could transfer money out of my account ... 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have sent an inquiry to DiTech Financial LLC regarding a pending payment from escrow for hazard insurance. I am doing so because servicing was transferred from XXXX XXXX XXXX to DiTech effective XXXX XXXX, 2016, and I want to make sure that recent on-boarding will not impede timely payment. In the past, I have had problems with servicing transfers and timely escrow payments. Letter to DiTech is attached. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company is LendingTree.com. On XXXX/XXXX/2016, LendingTree.com posted a banner ad on the XXXX ( news ) website. It quoted various mortgage loan rates. It quoted a 15 year fixed rate, 2.75 % stated rate, 2.75 % APR. I submitted my personal information ( perfect credit, low loan to value, conventional SFR. I was subsequently contacted by about XXXX different mortgage lending companies. NONE of the companies quoted rates anywhere near the advertised rate of 2.75 %. In fact, virtually every XXXX of them stated that one can not find that rate in the market whatsoever. 
LendingTree.com is, along with their marketing partners, engaged in false advertising, specifically a bait and switch. LendingTree. com and its marketing partners are now fraudulently in possession of my personal information as well. 
Please do what you can to force or convince LendingTree.com to stop their fraudulent advertising. Some consumer is going to fall for the bait and switch. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX accounts that are reporting incorrectly on my report 1 XXXX XXXX this is reporting incorrectly on my report 2 XXXX XXXX this is reporting incorrect on my report 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Our records that we found indicate that we purchased our home in XXXX for {$320000.00} and our servicer was XXXX. Then records indicate that we refinanced our home on XXXX XXXX XXXX for {$460000.00} with XXXX. Records indicate that in XXXX, XXXX went chapter XXXX bankruptcy in XXXX Delaware. The trustee for XXXX sent us an email stating that they sold our note and Deed of Trust to XXXX XXXX in XXXX. Documentation reflects that we contacted XXXX XXXX XXXX multiple times which was at that time a servicing company that was owned by Goldman Sachs. We requested in writing ( certified mail ) from XXXX XXXX XXXX, to provide us assignments of all the investors that owned our note and Deed of Trust since XXXX. XXXX XXXX XXXX failed to provide the documentation that we requested. Then we contacted XXXX, our trustee by email. We requested to know who was the current investor of our note since the trustee collects the payments from the servicer and maintains investors/security holder records. XXXX stated in the email that the investor was XXXX funding. I found out that XXXX funding and it 's affiliates also went chapter XXXX in XXXX Delaware in XXXX. Goldman Sachs then sold XXXX XXXX XXXX to XXXX XXXX XXXX. We requested in writing ( certified mail ) assignments of all investors since XXXX. XXXX stated that XXXX loan trust XXXX owns our note and deed of trust. This is incorrect because this note and deed of trust is ONLY placed within this trust and are NOT the investors. This reflects on the original note and deed of trust that the servicer must go by! NOW ; even though we had a modification, the modification does NOT in anyway reflect who the current investor is and if the investor obtained this note legally! The current investor must prove legal ownership of this note and deed of trust by providing a copy of all assignments going all the way back to XXXX! Then we sent Goldman Sachs a letter by certified mail requesting to know who is our investor and provide assignments going all the way back to XXXX. As of today, we have not received the assignments ( proof of ownership ) that we requested from Goldman Sachs. The assignments that we are requesting would reflect who our current investor is, who owned this note prior, dates when purchase, dates when sold, going all the way back to XXXX. I believe that XXXX, Goldman Sachs, XXXX XXXX servicing and XXXX XXXX XXXX do not have these assignment records of who owns or owned this note! We believe fraud has occurred! We are still requesting all assignments going all the way back to XXXX. Now ; as I stated before, the trustee for XXXX sold this note and deed of trust to Goldman Sachs in XXXX. If Goldman Sachs did sell this note during the financial crises, then Goldman Sachs may have misled the new mortgage bond investor during the financial crises. Goldman Sachs must be required to provide the documentation ( assignments ) that we are seeking going all the way back to XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Background : We have had this card since XX/XX/XXXX and have used it on and off during that period. Normally for " additional '' expenses. On XXXX XXXX, XXXX we went to use the card, while we were traveling, and it was declined. We figured it was because we were traveling. We called the XXXX number on the back of the phone, thinking we just needed to let them know we were traveling and get the card enabled. Much to our surprise, we were told they had closed the account due to non usage in XXXX XXXX. When asked why they had not notified us they said that " we e-mailed you ''. When we asked them to " re-open '' the account they indicated that they could n't and we 'd need to reapply. 
My complaint is, an e-mail is not a notification when it comes to something financial. Especially since we had just received new chip enabled cards the in previous couple months with an expiration date of XXXX/XXXX/XXXX. In this case CITI bank left us in an extremely bad situation, as this was the credit card we had planned on using while we were traveling. Now I am hoping that this has n't messed with our credit. Especially since they did n't notify us about the closing. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response