AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have attempted to dispute this account with Experian by mail on multiple occasions. I am a victim of identity theft. I sent a letter requesting verification to XXXX XXXX XXXX for this credit card account that appears on my report. The verification information I received back very clearly showed the account belongs to another person with the same first name as me and an address I have never lived at. 

Company response: Company chooses not to provide a public response
Consumer complaint: Will discuss upon receiving notification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Continuous rude, threatening, and harassing messages or long blank messages left. When I attempt to contact the company provided no agents available after XXXX hours. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every XXXX weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help! 

Company response: Company chooses not to provide a public response
Consumer complaint: account is showed charged off XXXX seperate times and should just show closed in XXXX 2013 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection Service Center contacted my employer about a debt I was never billed for by the original creditor, never billed for by their company, nor made aware of in any manner prior to their contact. My receptionist took placed a message on my desk which read " Credit company called, they are attempting to contact you regarding an unpaid debt to XXXX XXXX, please return their call. '' No attempt at all was made to protect my privacy, the most the caller should have stated was their name, that it was a personal call, and a number where they could be reached. After their contact I checked my credit online and found the debt listed on my credit report. I attempted to contact the number she gave me as well as the number listed on the credit report, however, after much searching I discovered they had given and reported an incorrect area code ( XXXX instead of XXXX ). They do not answer their phones during the day, they require that you leave a message and a phone number. I can not be reached at my home number during the day and do not want them contacting me at work again so I refuse to leave my number. They have not responded to any of my correspondence. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I applied for a modification in XXXX 2015 and continued to respond to requests for additional information through XXXX 2015. At a court date on XXXX XXXX, 2015, I was told orally by a representative for ASC that I had been denied for a modification. I was told at that court date that I would receive a letter explaining why I was denied. But, ASC has not provided that letter explaining why I was denied. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased my home with no down payment - XXXX in 2006I was making the mortgage payment for XXXX months. 
Then, i lost my job and fell behind on the mortgage. 
I called them several time and i was offered a program to help me save my home. 
Again, I fell behind. Then Bank America began to harass me ... I do n't understand why they called me until .... i was told that they purchase XXXX. Again i was offered a new payment plan. I was not working and could not afford it .... Then a few other banks called me - i had a XXXX mortgage too ... .. XXXX, XXXX, ,XXXX, XXXX , XXXX AND XXXX .... This was very confusing to me so i took XXXX to court. They agreed to present the original note and show they are the current mortgage bank ... PLEASE HELP MY FAMILY AND SAVE OUR HOME ... ... ... ... ... 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2015, more than a month ago now, I completed a refinancing of an existing mortgage. The new lender transmitted the payoff amount to the old lender, Ditech. Ditech acknowledged receipt of the payoff amount, and they " closed '' my account. However, Ditech acknowledged that it owed me the balance in my escrow account, which is approximately {$1900.00}. To date, Ditech has not sent me a check for the escrow balance. I have attempted to contact Ditech but I have received no reply. Ditech understands that the escrow balance is due to be paid to me, not to my county/town tax authorities ; the new lender already paid the biannual payments which were due this month, and Ditech has been made aware of the tax payments. Please contact Ditech to demand that they send me the escrow balance without further delay. Thank you in advance for your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Allied Interstate, LLC-representative XXXX XXXX called me while I was at work. This is a new job for me, and has not been listed on any of my student loans or for collections. This representative did not call the main line at XXXX XXXX ; he called the Shared Solutions line for XXXX and asked to the XXXX agent to transfer to me personally. We are a HIPAA entity and have patient sensitive information on our screens all day, but he still called a private line used for XXXX for patients w/ XXXX . He stated that they just received the collection matter from XXXX XXXX XXXX last week on XXXX/XXXX/15 for a debt on a private student loan over {$39000.00}. The rep stated that he had a cell phone number listed and he tried to call it right before calling my work on a HIPAA line ; however after checking my phone records this rep never even tried to call my cell phone ; he just called me at work and not on the main work line, he called on the Shared Solutions/Copaxone line used for patients. He then stated I needed to call him back on my break at XXXX ; so I did twice and the rep never answered and I left 2 messages which were never returned. The rep during the call said, " Why would n't I call you at work you owe over {$39000.00}, and I 'm trying to help you ; I can offer you a deal to get this paid off. '' I have never received any communication via or written from Allied Interstate prior to this call at work. The rep was very rude, and I still do n't know if they actually have this loan in their collection office, and I question that they got the loan in their office on a Sunday XXXX/XXXX/15. My main concern is that Allied Interstate , LLC ( this is where the rep said he worked for ) has had the loan in their office for 1 week, they have n't tried my cell phone if they have no messages were ever left, I 've received no written communication ; the first communication I receive is at my work that the rep called on a private line for Copaxone patients ; also, I was not able to determine if this was a legit company and if they really have the loan in their office to collect on as the rep was vague and rude ; I also returned his call as requested and my call was sent directly to voicemail with XXXX messages never returned. I do not have my current employer phone number listed for any purposes at this time, and not for sure how they even got the XXXX phone number to call me ; which is n't even the employer themselves ( XXXX ) but one of their private patient lines. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been called several times ( XXXX within XXXX ) with this place telling me that someone wrote a check and attached my name to it, and the check was bad so I need to pay. When I question who it was that wrote it was told not my business. When asked what its for and the amount they hung up. Tried to call them back and they start scream and cussing at me, also making XXXX comments to me. They refuse to mail anything to me. But want me to pay {$200.00} to them for something that is not mine or I will go to jail. I have never wrote a bad check even called my bank to verify all my recent checks where fine which they was. Then they started calling my husband 's phone doing the same thing telling him I need to learn to pay my debt. But I pulled my credit nothing on it at all, and they wo n't tell me what the check was for or when it was wrote just keep asking for me to pay or go to jail. The number that keeps calling is XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This all began XX/XX/XXXX when my wife of 30+ years passed away. My stepdaughter had been living with us and continued to do so until the XXXX. Apparently, my stepdaughter had stolen blank checks from my home XX/XX/XXXX. When she moved out XX/XX/XXXX, I was still under much mental stress from the passing of my wife. I knew the amounts that had been deposited to my Regions Bank account and my account at another bank and what was withdrawn by me, but I did not discover the forgeries until I was contacted by the bank due to overdraft XX/XX/XXXX. I contacted my local branch and found that between the XXXX accounts over {$20000.00} had been XXXX and forged against my account. The XXXX account has reimbursed me over XXXX % of lost funds, however, that was a different bank. I have now been informed from Regions that I will not be reimbursed for the $ XXXX+ that was forged on this account, due to it not being reported within 30 days of the first forgery. However, these forgeries were reported to multiple counties and cities on forgery and theft charges upon encouragement to do so by Regions Bank to ensure my losses. I followed directions from the bank officer, and then received phone call last week stating that NO funds would be reimbursed. These transactions were due to the fault of the bank, by MULTIPLE tellers and branches, and the dollar amounts and timing of check cashing were extremely suspicious, and they were still cashed without question. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. I have disputed this fraudulent account multiple times with Macy 's and have received no response with validation/verification of this debt. This account does not belong to me, and is not even in my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: This dispute involves incomplete and inaccurate information on my credit reports with XXXX loans from the same creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XXXX have the same address. It is XXXX. XXXX XXXX, XXXX, WI, XXXX, phone number XXXX. 

The account numbers are XXXX ... XXXX ; XXXX ... ./XXXX ; XXXX ... ./Great Lakes XXXX ; and XXXX ... XXXX. 

XXXX of these loans are closed, paid in full with zero balances. Yet they are still being reported as " Adverse '' or " Negative '' with all credit bureaus except XXXX. They have been all removed with XXXX ( copy attached ). 

When I called the creditor 's toll free number listed above, XXXX was unable to find any accounts under my name. 

Please delete all XXXX accounts on my credit reports. 

XXXX account shows an outstanding balance of {$2400.00} as of XXXX XXXX. I owe nothing on this account. I have never received a bill yet it is being reported as current making monthly payments. 
I received a XXXX waiver from the XXXX XXXX. of XXXX dated XXXX XXXX, 2014 ( copy attached ) which wipes out all my student loan debt. Yet XXXX account, XXXX ... .under the credit name of XXXX XXXX XXXX XXXX shows an outstanding balance with XXXX late pays in its payment history. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On my credit report, there are XXXX accounts listed showing I am an authorized user which should no longer / not be on there. XXXX, XXXX and XXXX each have account with my name listed as an authorized user. They each have a balance of {$0.00} and I have no idea who to contact regarding ownership of the accounts to have my name reviewed. According to the credit reporting agencies, I am to file this complaint to have them corrected. Therefor, this is the sole purpose of filing this information with you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get Specialized Loan Servicing to review my request for a loan modification and they have not responded or assisted me any fashion. 

Company response: Company chooses not to provide a public response
Consumer complaint: I represent a family in Ohio whose mortgage was a XXXX mortgage, then owned by XXXX XXXX XXXX, and now Green Tree Servicing, LLC, or Ditech Financial, LLC. The mortgage was wrongfully foreclosed to begin with, but despite the Stipulated Entry between CFPB and Green Tree, Green Tree has made no effort to put a hold on the foreclosure proceedings, even though the family 's mortgage falls within the date range of affected mortgages. The family had a loan modification agreement with XXXX XXXX XXXX which they executed right before the mortgage was sold to Green Tree. Also prior to the mortgage being sold to Green Tree, the zone in which the house is located was re-zoned and the property taxes on the house increased significantly. The family entered in to an agreement with the County Treasurer to pay the taxes in ten installments. Despite their agreement with the Treasurer, XXXX XXXX XXXX stepped in without any prompting on the family 's part and paid the entire balance for the property taxes, rather than the smaller payment the family had originally contracted for. The money was added to the family 's escrow account and the monthly mortgage payment, too, increased significantly. Next thing the family knows, their mortgage is sold to Green Tree and their checks are being returned stating that the amount on the check is not enough to make a payment and the late fees started adding up at this point. This all occurred despite the fact that the County Treasurer sent a letter to Green Tree telling them of XXXX XXXX XXXX 's mistaken overpayment of the taxes. Eventually, Green Tree began foreclosure proceedings. This has gone on for the last eight months despite the Stipulated Entry between your agency and Green Tree. Green Tree 's lawyer is actually the person who relayed the Stipulated Entry to me, so it is obvious that they know that this exists. The problem we have right now as the end of the case nears as the trial date gets closer and closer, is enforcement. How can an Ohio Court enforce a Federal consent order? Green Tree knows that it is subject to the terms of the Agreed Entry, but has willfully chosen to proceed, rather than stay the foreclosure in order for my clients to go through an investigation and loss mitigation options, such as a loan modification, which they are currently completing the application for. However, if the mortgage is allowed to be foreclosed upon, it wo n't much matter whether or not they are approved for a loan modification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Citibank Checking/Savings account. On XXXX/XXXX/15, I deposited a check which subsequently bounced. I was charged XXXX dollars due to the checking account that was providing the source of funds having insufficient funds. I believe that this unfair and fraudulent ; since, I am unaware of whether the check I received will clear or not. Being the recipient, I should not be held responsible for the failure of another person 's mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: I financed a car thru Wells Fargo Dealer Services ( WFDS ) on XXXX XXXX, 2015. I got full coverage insurance on the car BEFORE LEAVING THE DEALERSHIP ON THE DAY OF THE LOAN. I provided proof of coverage THAT DAY WHILE STILL AT THE DEALERSHIP. I was STILL sent a letter from WFDS requesting proof of insurance. I submitted this proof FOR THE XXXX TIME ( via the XXXX website ) on XXXX XXXX, 2015. I have proof of the date and time of the submission. On XXXX XXXX, 2015, I received ANOTHER letter from WFDS requesting proof of insurance and including a NOTICE OF COLLATERAL PROTECTION INSURANCE. Today, I provided this proof of insurance coverage FOR THE THIRD TIME to WFDS and I expect THIS ONE will be ignored, too. Also, my contract with WFDS clearly states my Original Loan Amount as XXXX with monthly minimum payments of XXXX. Every payment I have made is exactly XXXX, which is more than the minimum amount due. On my XXXX XXXX, 2015 statement, the Loan Balance was showing XXXX with a minimum payment due of XXXX. I paid my usual XXXX and notified WFDS of the error. I never heard back from them, but the adjustment was made in my Loan Balance online within a few days - but they never corrected the Current Payment Due amount AND ADDED THE " PAST DUE AMOUNT '' TO THE FOLLOWING STATEMENT! On my XXXX XXXX, 2015 statement IT HAPPENED AGAIN! The Loan Balance is XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! On my XXXX XXXX, 2015 statement, my Loan Balance is now XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! I have provided proof of insurance coverage AND SOMEHOW THEY HAVE NOT RECEIVED IT XXXX TIMES!!! And they are charging me MORE THAN MY CONTRACT STATES FOR PAYMENTS, and adding the extra amounts to each new statement when I DO NOT OWE THESE AMOUNTS! I have paid MORE THAN THE MINIMUM AMOUNT REQUIRED BY MY CONTRACT and I have no idea where these extra amounts are coming from but I have proof of everything I have submitted to them! My insurance agent is sending a fax to the company proving when I got insurance on the car, but I expect that THEY WILL CLAIM TO NOT HAVE THAT EITHER. I have already submitted this exact same complaint to the XXXX. After submitting this complaint, I also plan to file this exact same complaint with the Attorney General 's Office, the Department of Consumer Affairs, and I plan to contact an attorney to discuss a lawsuit for breech of contract where I will also seek punitive damages. 

Company response: Company chooses not to provide a public response
Consumer complaint: My netspend debit card got unauthorized transactions for a hotel in XXXX which I do not have passport nor purchased a plane ticket..I had charges from XXXX XXXX.XXXX XXXX.i called the police as it was happening be they did not have a 24th our hot line called in the morning had card blocked was told charges was pending an they allowed the transaction to go thru days later after having my card blocked..I 've called several times an told different things an hung up on ... I am very upset I have bills do an need food for my children ... Please send a fax so I can fax documents 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I informed them that I can not have anyone contact me at work regarding a debt. They came into my work threatening to sue me in front of my boss, co-workers and customers putting my job on the line after I told them I can not be contacted there. They are also coming to the house I stay at and leaving notes on the door several times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited a check that was payable as " cash '' on XXXX XXXX 2015, on the next day the check was put on hold in my account but the founds had already being transferred from the account of the person who wrote the check. As of XXXX XXXX 2015 I contacted the customer service of Bank of America and I was told that the check would not be credited in my account because it was written " cash '' instead of my name on the check, because there was a possibility that the check could be returned for insufficient funds, and that I will have to wait another 5 business day to have the check returned. It does n't make sense since the funds have already being removed from the account of the person who wrote the check. In addition, I spoke with XXXX representatives who were very unwilling to help me and who spoke with me like a machine not providing full answers to my questions., 

Company response: Company chooses not to provide a public response
Consumer complaint: Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from XXXX and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Numerous phone calls and voice mails where messages are left claiming my social security number has been seized by the government, someone will be coming to my home to make an arrest for theft by deception, their is a case filed against me, and they have started calling and using my personal cell phone number to register as the number calling my phone! They have also contacted my last employer numerous times and corresponded on my private employer email account, as well as started calling numerous others and leaving information about me on others ' voice mails! 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers