AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello-A doctor 's bill was sent to the wrong address, so I received a debt collection notice via the telephone saying I owed payment. No big deal, I contacted my insurance company and doctor and they confirmed it was legitimate. I told the debt collection agency that I was in the process of contacting those companies and I planned to pay when that was confirmed. I received the XXXX notice about 10 days ago. 

I received a call from the collection agency today and was told they were going to report the bill to the credit agencies. I said okay, I 've confirmed it 's real and I 'll pay it online right now, since I do n't feel comfortable giving my credit card information over the phone. They said that if I pay online, it wo n't post for three days and by that time I will have my debt reported. I said okay fine - I 'll take that chance and I 'll have a confirmation email, which I can use to clear that up later. They said I would n't receive a confirmation email for the payment either, so I had to pay over the phone. 

This seemed odd, so I asked to speak to a supervisor and they said the same thing. I hung up and paid my bill online. Unsurprisingly, I received a confirmation email immediately. I called back 15 minutes after making my payment and I was told their system shows that my balance was paid in full. So obviously, all of those previous statements about online posting and confirmation emails were bold-faced lies designed to be pressure tactics. It was pretty disgusting. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We provided all the documents they need to refinance our home mortgage. Home appraisal was done from our pocket. We were very upset about the XXXX months waiting for this home refinancing. We just wanted to rate the service of XXXX XXXX XXXX # XXXX as very, very poor and we would like to file a complaint about our experience ; very poor in communication! My husband called the secretary or assistant more than XXXX times and left a message all the time XXXX and also called XXXX 's cellphone so many times but no reply at all. We highly expected that they could help us with our loan because we were struggling financially and we were living paycheck to paycheck and hoping that they could lower our monthly payment and it did n't happen at all. All we want is their communication if they 're still going to process or not. We have waited for nothing! The money that we spent for home appraisal was wasted. And without them knowing, we paid late payments for our home mortgage and other bills because we 're expecting that it will be closed soon. We have an option to look for another banker or lender, so it could be done as fast as XXXX days. But simply informing us that they ca n't finalize the loan is an easy task to do but we did n't hear anything from them at all. Even my questions, worries and anxieties were not answered at all ( especially those bills that came regarding supplemental tax bill and updated home insurance ) which were already late too. He do n't have a heart to help others! We wasted a lot of money and time for nothing!!! They keep on giving us promises that it will be close by XX/XX/XXXX, then XX/XX/XXXX and now around XX/XX/XXXX or XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: i submitted multiple accounts that were inaccurately reporting to my file to be investigated and corrected or deleted. Yet the agencies kept verifying the inaccurate accounts and illegal reporting as correct. They were not. especially in my case since i have filed for bankruptcy and the accounts were appearing as open/delinquent/active and in some cases with a balance. they information within the accounts were also incorrect. 
they keep verifying items as accurate and mine when they are not. i have received absolutely NO evidence of an investigation and the XXXX phone number they provide me contains no dial tone and i can not get through to any furnishers to see whether or not an investigation has ever occurred. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mars has placed XXXX collections on my credit profile that are un merited. I do not owe any money to Mars or XXXX. These charges were already investigated and proven to be fraudulent. I requested from XXXX a validation of the debt and they were un able to provide the requested information. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: They use a horrible robot-caller that is barely understandable. The robo-caller does n't connect you to a real person, but instead forces the contact to call back at a different number. 

Company response: Company chooses not to provide a public response
Consumer complaint: i requested that the collection company delete the account and all reporting on my credit report. since i paid the collection in full. i called several times to resolve but, company stated it is company policy not to delete from credit report. they stated to call each credit bureau to get deleted. after contacting the bureaus they stated that only the collection company can delete from credit report. i again called collection company to request a delete. i was transferred to a supervisor/manager voicemail. i left a message but, no one contacted me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is trying to collect {$170.00} for a XXXX received that I purchased at XXXX XXXX. XXXX claims that I leased the receiver from them, however, XXXX and their agents have failed to substantiate their claim. They have ignored my written and verbal communication and continue to use harassment tactics to collect money on an unsubstantiated claim. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: PayPal/eBay are holding my funds. Neither company follow Reg CC hold procedures nor do they seem to care. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen? 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : My name is XXXX XXXX and my social security number is XXXX. 
My wallet were missing for sometimes. I had to go through a lot to get me and my XXXX granddaughters back our identity. It 's been awhile now but I had already gotten everything back then XXXX months later I received my wallet while we were in the XXXX. We have been in the XXXX system from XX/XX/XXXX to XX/XX/XXXX 
While I were in XXXX I had payed a lot of my bills off of my credit. Whe we came to XXXX XX/XX/XXXX my credit were okay. Now I 'm just getting an copy of my credit report and I see that I have other charges on my account like XXXX XXXX XXXX this account is played in full if this is from my landlord. I have stated to them to clean this account If you could please get him to send/ fax you something in writing that this account is played in full and remove it off of my credit report. 
2. XXXX XXXX XXXX XXXX - I have never ever applied for an XXXX credit card. I know this one is a lie. The account were opened in XX/XX/XXXX. 
I were working and living in XXXX. So I know that it were not me. This charge is really wrong. 
3.XXXX.opened on XX/XX/XXXX. For {$100.00} dollars. This were not me cause I were still living in the shelter and working XXXX days a week.please help me clear the matters on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off and closed my Bank of America credit card account on XXXX/XXXX/15. The payoff was arranged through XXXX XXXX XXXX XXXX. An automatic recurring online charge of {$21.00} from my phone carrier was charged to the account XXXX/XXXX/15, a full week prior to the payoff but BoA never included this charge in the payoff and never sent a statement informing me of this charge. I received a letter dated XXXX/XXXX/15 ( arrived XXXX/XXXX/15 ) informing me of the outstanding balance plus fees bringing my new balance to {$76.00}. I spoke with a BoA supervisor XXXX XXXX who initially told me to pay the original charge of {$21.00}, which I did, and she would attempt to remove derogatory credit from my credit report as well as the fees and interest charges. I heard back from her today and she stated I was responsible for the full balance, which today stands at {$54.00}, the result of fees and interest and if I did not pay the entire amount she would not remedy my credit report. My credit history is excellent and had I received a statement my credit history shows I would have paid it off immediately. I should n't be held accountable for these exorbitant fees and charges due to BoA 's oversight in not including the original charge to the payoff amount in a timely manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are self employed and were going through hard times in XXXX when the economy crashed and found it difficult to keep up with our mortgage. We turned to Wells Fargo for help because our interest rate was very high at 6 %. They gave us a temporary reduction in our interest rate and payment that was only good for XXXX months in XXXX XXXX. Once the XXXX months were up our rate went back to 6 % and we could no longer afford to make the payments. We tried working with Wells Fargo but they would not help us so we hired the XXXX XXXX XXXX in XXXX XXXX to work with Wells Fargo. Wells Fargo has refused to help us because the investor will not allow a permanent modification. We have done our part by making the XXXX monthly payments which we could afford. We do not want to lose our home where we raised our children. We are requesting that Wells Fargo permanently modify our loan so we can continue to make payments and stay in our home. 

Company response: Company chooses not to provide a public response
Consumer complaint: We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. 

By answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. 

When I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. 

Help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I initiated a dispute on XXXX XXXX, 2015 regarding a charge to my USAA checking debit card from XXXX for {$54.00} for wi-fi services that I did not receive. USAA requested the SAME information over and over and over and over, which I provided at least five times ( four times via telephone and once via fax ). Every time I call, I 'm told that they need THE SAME INFORMATION. I have provided everything they 've asked for at least FIVE TIMES. They refuse to do anything further. I believe that they are intentionally stalling so they do n't have to do anything. USAA service is simply horrid. What happened to this bank? They used to be decent! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Account was sold and still being reported as a charge off on my credit report. It is still showing on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citi Bank has called me a minimum of 3 times ( sometimes up to XXXX ) every day since XXXX XXXX. I realize that I do have an outstanding debt, but lost my last job after a medical issue and started another in the beginning of XXXX. In the time that I have been awaiting my XXXX paycheck ( so that I can pay them ) I have received calls every single day while I try to go about my life and do well in a new profession. 
I called them and was told that it is perfectly legal for them to call me that frequently when I owe them money, but I do not believe that is the case. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by Student Loan Processing Direct ( XXXX ) by XXXX XXXX in XXXX 2014 for the purpose of paying off my Federal loans, consolidating them and lowering the interest at a fixed rate. A consolidation fee would be need to be payed in the amount of {$390.00} to start the program then an agreed monthly amount would be paid against the loan. Monthly payments were deducted beginning XXXX 2014 to present. When I learned my credit was indicating a negative score from the Federal Loan Program is when I learned this company had changed my contact information & phone number to another address and falsly claimed my loan in foreberence to avoid the Federal Loan from trying to contact me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America sold my loan to XXXX and never notified us. I found out when I tried to pay my mortgage and now XXXX will not let us make a payment until XXXX XXXX. We need to pay it now because we 're closing on the XXXX of XXXX on another property and all the paperwork is reflective of the payoff amount minus the last payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: In progress dispute for Case number : XXXX. The company 's answer is not relevant to the situation. Clearly a stock answer they have brewed up. I HAVE disputed the information and can not access the dispute. Furthermore, I am unable to submit any disputes online. The system rejects me any time I try. Finally when I try to call to fix it I am passed around like a hot potato. There is erroneous information on my credit report and I want it fixed. If you wo n't fix it I need to be able to dispute it. 

Company response: Company chooses not to provide a public response
Consumer complaint: First Source Advantage, XXXX XXXX XXXX XXXX, XXXX NY XXXXXXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a one time offer with a unrealistic date basically 10 days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a dispute on XXXX XXXX, 2015 about a final payment I made to XXXX. This payment was applied to someone else 's account and after I spent many hours on phone and being put on hold, disconnected etc, XXXX actually expected me to go to XXXX to straighten out their own internal problems. I refused. I filed a dispute to get my money back and 3 months later, I still have not gotten any response from Suntrust. I have chatted, emailed, called, and went into bank telling them my credit was now being threatened by XXXX. They did not care. To date, I have received no response so I do not even think Suntrust followed up with XXXX. I sent form from my local branch which I have proof. I called many times since this time and they just act like I should wait 90 days to expect a start on this dispute. I am now being damaged, credit wise, over this because I am not going to keep paying a bill which amount keeps getting changed and added to anyways. XXXX is now saying the credit due to me for my over charge ( which was final straw for me and why I canceled all services with them ) is now not going to be given so I owe more money than the {$93.00} I paid to be rid of them to begin with. I want to file a complaint against Suntrust and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I return a call to XXXX XXXX XXXX XXXX XXXX 's located in XXXX, NY. I get calls at all hours and lots of them saying they are going to sue me, if I do n't pay they are going after my husband too. I get XXXX different numbers to call, called back a XXXX XXXX for her to be nasty and hang up when I asked to talk to her supervisor, that if I do n't pay they will seek legal action resulting in me paying the bill+court cost+lawyer fees. I never ever open this account and I tried to tell her that but she would n't hear me out. I look up the numbers and a XXXX XXXX shows up at the address and location she gave me. Number look up basically gave me the same things. I do n't know what to do at this point I am a laid off stay at home mom of XXXX young kids, my husband works XXXX jobs to keep us a float, I was just in a accident and was injured I have no time to go back and forth with these people. Help. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: CITI Bank cancelled our XXXX XXXX credit card alleging that given our income we could meet our credit obligations. They say they based their decision on " secret '' guidelines and mywife 's credit report. The latter does not contain income data and our income and payments arejoint. We have been meeting all our credit obligations on time including finishing recently longterm payments on both a mortgage and a car loan. Because they are acting unfairly and in anot transparent way we have concluded that CITI is discriminating against us because of ourage. 

Company response: Company chooses not to provide a public response
Consumer complaint: THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have attempted to dispute multiple inaccurate items from my report and the bureau keep verifying the wrong information and illegaly placed information as accurate and verified. i have received absolutely no items as proof that an investigation occurred. it has been over XXXX days and i have not received and investigative results. they are reporting wrong information and refuse to delete or fix. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owned my home for approximately 19 years when it foreclosed in XXXX 2014. However, the decision is not yet final as the case has not yet completed the redemption period and I am filing this complaint to let the CFPB know that along the way I was scammed ( XXXX individual was actually on the news a few month ago and he was indicted for mortgage fraud in XXXX XXXX ... ... .he was XXXX of the persons who handled my loan! ), encountered gross negligence or not provided the services that I paid for at various entities. For your information, this home equity loan was originated by XXXX mortgage then sold to XXXX then acquired by XXXX XXXX XXXX and then eventually serviced by XXXX Servicing. Other entities that contributed to my misfortunes included a financial counseling agency and a law firm that took a lot of money from me ( with large up-front fees ) without assisting me in any meaningful way! Lastly, my dilemma culminated with being assigned to a Judge in the XXXX XXXX XXXX in XXXX County, Florida who had been arrested herself for XXXX and she had been recently reassigned from the XXXX Division to the XXXX Division. It appeared that she had no desire to hear the merits of my case and basically told me to " sit down woman '' and then proceeded to immediately deny the motion to set aside foreclosure sale and vacate final judgment. I never had a chance to show the valid reasons as to why the sale should not have gone through! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Collection Company Name : Stephens Michaels & Assoc. 

Representative did not give her name until I asked, rep. never notified me call was attempt to collect debt, rep. never told me call was being recorded, rep. also claimed that there was supposed to be a pre-recorded message verifying all of those things before our call was connected ( implying auto-dialer ) but recording never happened. 

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