AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was pursuing a mortgage loan modification and was presented a loan modification proposal and the lengthy application process. After reviewing the documents of the proposed modification I did not feel it was a reasonable deal. I took the next five months to look around and see what other options were available. After a five month search I felt I had no option but accept the original proposal from Select Portfolio Services. Upon contacting them they said my application and offer had expired. Two days later when I called them again I was told that I could, in fact, accept that original loan modification agreement. I informed them that i could not fine the original loan mod documents ; And would they they please rewrite them and send them to me for my acceptance and signature. They did, I signed returned and started making regular loan payments. 

I did not catch, that when the modification document was re-written and sent to me the second time, that the dates for the commencement of mortgage payments had not been updated to reflect my signing date, but had been left at the dates five months earlier, when the proposed modification had initially been offered. Original modification was offered XXXX/XXXX/XXXX and I accepted and signed XXXX/XXXX/XXXX. I have been five monthly payments behind ever since. 

I have applied for a second modification with Select Portfolio Services to resolve this issue to no avail. I have asked that they simple move those five payment to the end of the loan and return me to a " current '' status and they have refused. 

I need help to resolve this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wish to make a formal complaint about entry errors on my Credit Report. I wish the following entries investigation as I believe they occurred before my Bankruptcy filed XXXX XXXX XXXX and discharged XXXX XXXX XXXX. 
Collections : XXXX for {$290.00} XXXX XXXX XXXX XXXX XXXX AZ XXXX for {$290.00} XXXX XXXX XXXX for {$250.00} XXXX for {$210.00} Public Record : XXXX / Recorder Reference # XXXX Filed : XXXX XXXX XXXX Amount : {$12000.00} I wished these entries investigated and removed from all XXXX credit bureaus. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and these negative remarks of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX reached out to our office with concerns regarding an upcoming foreclosure auction and her attempt to work with her servicer ( SPS ) on a pre-foreclosure retention option or liquidation. XXXX is experiencing a valid hardship and has suffered a severe reduction in income. The property is still owner occupied and has been maintained. Upon speaking with SPS, they are unwilling to postpone the upcoming auction so that XXXX can complete a HAFA short sale. The property has been listed and with a recent price reduction, we are expecting an offer. We feel XXXX should be given a fair chance at completing a pre-foreclosure sale and we are asking that SPS give her more time on the review. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, I 've had a XXXX XXXX XXXX loan in default for a few years. I was never contacted about this specific loan ( all of my other loans are in good standing since they stayed in close contact with me ). I had successfully defered my other loans since I 've been abroad and unemployed, but somehow I never once heard about this XXXX loan until I applied for financial aid again to finish my last year of school and was rejected. So I contacted the collection agency that my loan was sent to : Delta Management Associates. I tried to set up a rehabilitation program but they only withdrew money from my account once. After around two months, I was asked for the same documents again without any explanation ( and I sent them without ever hearing from them again XXXX and then no more payments were ever taken from my account and they never contacted me again. I 've emailed the manager and XXXX employees there several time to ask what happened ( I have proof of these emails and it 's how they corresponded with me before because I am abroad ) and I have n't been able to get in touch with anyone there. I asked several times to send it back to the original lender so I could pay it off IN FULL without he collection agency 's very high interest rates ( I can afford to pay the loan but not the interest they tacked on ) or I asked for the loan rehabilitation to continue and asked why it stopped. In total, I 've sent about XXXX emails without zero response and I tried contacting default resolution at XXXX but was given different phone numbers and sent in circles. It seems no one is willing to help me. 

I have been trying to go back to school to finish my last year since XXXX 2014, but it 's impossible to get financial aid without this issue resolved. I 'm very desperate to complete school and I would like to go to grad school abroad. I ca n't get a hold of the collection agency Delta Management and they have not bothered to respond to me once. I 've asked XXXX for their advice and they said to lodge complaint and see if I can get the loan sent to the original lender or different agency to pay off immediately ( as long as I do n't have to pay high rates for agency 's fee since they are about an additional {$1000.00} ). They said it was also possible that the loan already went to another agency. So I tried to track it and was told to contact XXXX XXXX XXXX XXXX in XXXX as the XXXX XXXX. So I tried to look up their information to find out that they are permanently closed. 

Besides this, I was never once contacted about this loan for years until it was too late. I found other students that attended XXXX XXXX XXXX who had this same exact problem with this same exact loan ( zero contact and then defaulted ). So I am obviously very concerned about this and do n't know what my next step should be. I was thinking of getting a lawyer but I thought that could prove to be difficult as I am abroad and if it would really be worth it in the end. I 'm just looking for better solutions. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I would like to dispute a claim that is on my credit report. The claim is from XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas. I did not know this claim existed until I enrolled in XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed me that their records only go back to XXXX and apparently they had no information on the claim. I was told to contact CSI collection agency for further information. 
I would like to know how a clinic can say that I owe them money but have no record of services rendered. 
I called CSI and was told that I owe {$290.00} to this clinic for services that I have no recollection of. My son was a patient there up until XXXX but he was fully insured at the time with XXXX as I was a young single mother at the time. 
CSI told me that the services were for me and not for my son??? which is very confusing to me, because I was never a Patient at XXXX XXXX XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This complaint is related to the resolution of the CFPB case number XXXX. Despite of my efforts to fix this problem and despite this complaint has already been resolve ; Transunion reporting agency do not care about the resolution in relation to my case. They keep reporting the wrong information, Transunion stated that only the collection company can delete the information, the collection company stated that they already deleted the information with transunion the same way they did with the other CRAs. 
Again this is in reference to the CFPB case number XXXX please read the resolution. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several questionable problems with my reports as in medical, credit card information and the fact that I had to purchase my free credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by XXXX XXXX XXXX, since they only deal with that agency and not Gerald E. Moore and Associates. A lady at the apartment had contacted XXXX XXXX XXXX to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to Gerald E. Moore and Associates, apparently a company under the same umbrella as XXXX XXXX XXXX. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed some information with Experian and I like I said before they only removed some of the misleading information off my credit report. I sent them a identity theft report twice and they are still re- porting this XXXX public item. This is becoming very stressful and very irritating. Please Help 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I wrote Trans Union to remove all hard and soft inquiries from my credit report that are suppose to come off because it has been two years. I was told when I called they are not removed by them I would have to call the company. Well, I have done that and was told Trans Union need to remove them. XXXX was suppose to be removed in XXXX XXXX, I applied in XXXX XXXX, XXXX and the Credit Union is suppose to be removed soon XXXX XXXX, XXXX as well. The XXXX, Trans Union has it being removed in XX/XX/XXXX, that is more than XXXX years. I want them deleted. A coworker had hers removed with no problems ( she is not XXXX XXXX ) so why do I have to contact the companies? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been waiting 6 years... YES... 6 years... under the constant promise that my bank ( US Bank ) was going to get us an affordable mortgage so my wife and I could keep our home! Anyone who hears this story can not conclude that this is our fault! The bank has held all the cards. They have been stringing us along with the hope that we were going to be able to save our home. I have laid out all the particulars in my complaint, including the FACT that US Bank lost all of our documents! ALL... lost... and yet somehow it 's our fault that we have been delayed and have not been given an affordable payment. That 's all we have been asking for!! We have paid for over 15 years, almost {$2800.00} a month and yet we can not find someone at US Bank to get us a lower payment so we can keep our home! Now, we face being foreclosed on! We are more than angry! We want US Bank to pay for our delays, and all the charges we have accrued from their incompetence! 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I want to have this issue removed from XXXX and XXXX as well 

Company response: Company chooses not to provide a public response
Consumer complaint: Freedom Mortgage sent me a monthly statement on XXXX/XXXX/XXXX stating that my payment was {$1500.00}. My payment had always been {$1100.00}. I contacted the Vice-President, XXXX XXXX who indicated that they did an escrow analysis on my account and that they realized they had n't been collecting enough of a payment. Strangely though, there was no increase in my taxes or insurance. As a matter of fact, my taxes went DOWN. Employee error is the reason my payment has gone up. There have been numerous employee errors on my accounts with Freedom Mortgage and I am growing so tired of it. 
I received NO notification of this until I got very upset in the email to XXXX XXXX and stated that I was never informed of this, and that this notification was required by the mortgage company. All they did at that point was email me their analysis that I had never been notified of prior to this date. 
On top of everything else, I sent in my regular mortgage payment for the XXXX XXXX, XXXX payment and received a notice of a " late payment '' since they refused to apply my payment. 
This is extremely concerning to me as many problems have occurred since I have had my mortgages with Freedom Mortgage. Since I have had my accounts with Freedom Mortgage, here are some issues I have had with them : 1 ) About a year and a half ago, I received a refund from Freedom Mortgage. I spent this on home improvement. A few months later, I was informed that Freedom Mortgage was then that amount short and needed to recover it and increase my payments. 
2 ) Freedom Mortgage neglected to pay my homeowner insurance bill. This was approximately a year and a half ago as well. My homeowners insurance actually ceased until I requested that Freedom fix the situation. 
3 ) I would gladly pay this amount if it was due to an increase in my taxes or my insurance, but as I stated previously, nothing was increased and actually went down. 

On top of everything else going wrong, I have received statements that say I owe more than XXXX payment and I had to email XXXX XXXX to figure out why they were trying to collect for more than XXXX payment. There is too much to go into detail, however, right now the main situation is my payment going up so high because of employees of Freedom Mortgage not doing their jobs correctly. A homeowner/holder of a mortgage should not be the person responsible when these employees do n't do what they are supposed to. 
XXXX XXXX stopped emailing me when I informed her via email that I had not received the appropriate documentation from Freedom Mortgage regarding any change/increase in my payments. I informed her that a mortgage company is required to notify me of any changes in writing and that this was not done. I did not hear from her or receive the assistance I needed after that time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted a dispute to TransUnion regarding duplicate accounts on my credit report. 
XXXX is listed on my credit report twice. Please advise why the same information is on my account twice and lists the same information. 

Company response: Company chooses not to provide a public response
Consumer complaint: We applied for a home mortgage and our application came back with serious delinquencies and other issues on both my wife 's and my Credit Score Information that was provided by Experian. They are the only agency that reported any issues, none from XXXX or XXXX. 
I went to the Experian website and entered all the information, including my SSN and then was left with a blank webpage with no options and going back in the browser deleted all the sensitive information I had just provided to Experian. They have no way to contact them by phone as every number defaults to the same voice menu. 
My complaint is that I/we have always have excellent Credit and these Experian reporting 's are not just incorrect they are a serious consumer abuse that they have the right to damage consumers confidence in the Credit reporting system and the arrogance to be out of contact when their website does not work. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Credit agency admits the receipt of proper documentation toward inaccurate information being reported from XXXX XXXX XXXX XXXX loan number XXXX They claim they cant find the name of the reporting mortgage company even documents from police department and supporting bank clearly indicates the reason for inaccuracy and removal of the wrong information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my bill of XXXX on the last statement and they for some reason refunded it then closed my account ... i then explian to tjem i did pay and can prove it in my bank statement that the money was refunded and they still closed my CC. I then said if your going to XXXX me then i wont pay whats on the balance. This was a few years back though. I would pay it but i feel they aint goi g to remove it anyways from my report 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: As I was checking my credit score. I saw the debt collectors ( GOLD KEY INC ) send a medical debt of {$710.00} I was not aware of.The debt agency did not contact me to dispute the matter in order to see if there can be any arrangement made to have the debt paid off. I received no phone calls and there was no form of contact made to informed me of the debt. I'am filling a complain due to not receiving notice of right to dispute and also for not receiving any letter via mail concerning the debt. I'am willing to work with them in compliance, if they are willing to work with me to have the debt remove from my credit report profile. Thus affecting my credit score. I 'm seeking help because I feel like it was unfair to me due to the fact that I receive no form of letter informing me of the debt or trying to reach me via phone to discuss the matter. 
Thank you!. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion previously removed my Bankruptcy filling report due to inconsistent records.. now they re-added the record with false data, stating it was a chapter XXXX filed in XX/XX/XXXX ... this is wrong and they should remove this, ... it was filed in XX/XX/XXXX got discharged in XX/XX/XXXX .. removed from my credit report and recently added for XX/XX/XXXX .. this is wrong violates every FTC rules on fair credit reporting act 

Company response: Company chooses not to provide a public response
Consumer complaint: American Credit Acceptance repossessed vehicle XXXX/XXXX/XXXX ; loan was current. Video recording of automated system. Demanded repo fees and late fees w/o 10 day discretionary notice ( informed them they were not entitled ). Made fraudulent entries in account payment history to reverse repo fees ( demanded monies be returned to me ). Recovery agent demanded add'l {$370.00} to release vehicle. XXXX XXXX XXXX XXXX XXXX packed purchase price of loan & added {$1500.00} cash down payment to purchase price of vehicle. Credit report indicates " pays as agreed '' ; another agency has a 60 day delinquent entry ( 2 months prior entry states payment on time ) next month reported 30 days delinquent. Simple Interest Loan ; several payments of {$280.00} applied {$20.00} to principal or {$0.00} to principal. As of XXXX XXXX total payments $ XXXX/Interest posted $ XXXX/Principal posted {$1100.00}. 

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