AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am not the person in debt, but my sister is. I received a call today from XXXX, asking for my sister by her full name. When I asked who they were, they said " I 'm sorry I can not disclose that information. '' When I asked " Why do you need to talk to my sister? '' they said " It is a private matter. Can you please pass a message? '' And when I asked how they got my information they said " We got it with some software. We ca n't disclose how. Do you know her? Can you pass a message? '' I then told them that I am a third party and they should not be speaking to me and then hung up the phone. They have now spoken to my sister and the company insisted that it is OK to call me, even though my name is not on the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a pick a pay mortgage with XXXX XXXX that was sold to Weikovia ( both who are out of business due to these illegal loans ) who sold to Wells Fargo. The rate went up and up and forced us into a bad financial position just trying to pay them monthly to the point we could n't. My husband was ill and no forbearance was given- we went to modify and they kept saying it looked good- to the point they denied us XXXX times - we increased business, added daughters income, rental income sent XXXX pages each time to get them all the documents- always denied. Even though these were illegal mortgages and they received government monies to work with folks like us. They did a modification that really gave us no financial relief in 2009 so this is how they have a loophole to not reduce principal or change the mortgage to a realistic amount and fixed rate. The lawyers made huge money and Wells Fargo bottom line is fine but we Americans are being put out of our homes due to this illegal scam. We even went Chapter XXXX to regroup but had to dismiss it as the payment kept going up and up. We need real financial relief. Have our home up for short sale and when that or foreclosure happens they are better off and we have nothing. We have paid for this home for 33 years. THIS IS SHAMEFUL and the judgements against them are not being used to correctly help many homeowners. 

Company response: Company chooses not to provide a public response
Consumer complaint: Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX TransUnion XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact AnnualCreditReport.com by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized! 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a call for help from XXXX XXXX US Veterans who were scammed by XXXX banks : SunTrust and XXXX XXXX. 
XX/XX/XXXX we closed on an {$800000.00} thirty year home loan at 5.8 % interest only for ten years. Monthly payments $ XXXXDuring year eight we called SunTrust to explore what alternatives we might expect to have at the end of year ten. We had a perfect payment history on this loan. We wanted to talk about converting our loan to a principle and interest loan through a simple modification or refinance at this time since mortgage rates were at historically low. 
We were advised by SunTrust that they want to help us but could not talk to us about a loan modification unless we were delinquent and the loan was in default. 
The SunTrust agents advised us multiple times to stop making payments so they could help us. We finally relinquished and SunTrust put us in their Loan Modification ProgramThus began a fourteen month nightmare of delays, harassment, lies and deceit. What a joke. Files could get frequently misplaced or 'lost ' many times. This eventually led to a 'modification ' in name only. It added {$75000.00} to principle plus an increase to monthly payments. Sort of an " extend and pretend '' program designed to move the homeowner toward foreclosure. They also ruined our credit. 
Lastly, we were threatened with foreclosure if we did not accept the modification. 
Monthly Interest Payments now are $ XXXXSurprise, XXXX XXXX appears as owner disclosed for the first time in the new documents. Though SunTrust said XXXX XXXX called all the shots, we were forbidden to contact XXXX XXXX about the new loan. 
Not wanting to lose our home, we were forced into the " modification '' agreement. We feel we were purposely led astray by both XXXX XXXX and SunTrust to gain control of our home by nefarious means. 
SunTrust has informed us that our new " Modified '' Home loan will go up to {$8800.00} a month XX/XX/XXXX. 
Thanks to the way we were misled into a " loan modification '' by SunTrust and XXXX XXXX it has damaged our credit and put us in a position where it is difficult and or impossible for us to qualify for loan with a new lender. 
We have tried for a VA refinance loan but were told due to the " Modification Loan " and our lower credit numbers brought on by the non- payments on our old mortgage we are ineligible for a loan. 
We are requesting that the loan be rolled back to its original terms ( balance, etc. ) and our credit derogatory comments be removed. 
We are happy to consider some modification program that they have as long as it is fair and clear. We have heard XXXX XXXX has a program as low as 3 %. We will then be able to afford and stay in our home. 
This will provide XXXX XXXX with borrowers with a long history of on time mortgage payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm really sick and tired of getting checks ALWAYS being placed on hold from USAA bank. Every single deposit gets placed on hold for a minimum of 7 business days. This past phone call in the attached recording you will see I tried getting a partial lift on funds {$300.00} out of {$1000.00} lifted 1 day early so that I could go to XXXX XXXX to pick up medication I need to survive. 

USAA chose not to accommodate the situation which I explained, was a medical emergency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: pinnacle credit has reported a debt from XXXX wireless without providing proof of debt I do not owe this debt and I have contacted XXXX they have no records of the debt, pinnacle will not send proper proof of the debt. The credit reporting agencies refuse to properly verify they simply take the word of pinnacle who have been sued numerous time for illegal debt collection practices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a mattress at Macy 's who told me they would give me {$100.00} off the price if I opened a credit card. At purchase XXXX of Macy 's told me he could n't take the {$100.00} off at the register. My bill came, but not with the {$100.00} discount. Over the phone I paid for the mattress in full, less the {$100.00}. This payment was handled by XXXX of Macy 's. XXXX assured me all was fine. That took 45 minutes. 
Two weeks later I called Macy 's to check to see that my balance was {$0.00}. No, there was a {$100.00} balance on the account. I called XXXX of Macy 's who told me that he would make the adjustment. That took XXXX minutes. He told me that he would have a letter mailed to me showing a zero balance. 
About a week after that I contacted Macy 's to check my balance ; computer voice said {$0.00} balance, and I pressed the button to have a letter mailed verifying the amountToday a receive another bill from Macy 's showing a balance of {$100.00} -- the {$100.00} plus interest. I called Macy 's, spoke with XXXX and supervisor XXXX who tell me that I owe {$99.00} because someone adjusted the {$2.00} off the bill. Their math is {$100.00} + {$2.00} interest - {$2.00} in adj = {$99.00}. XXXX told me that computer would not let him take off the amount, but he assured me that he would keep trying, and would call me Mon-, Tues-, or Wednesday to confirm that all was taken care of. I have NO faith that this can be accomplished. Can someone please help me? I have superb credit and I envision Macy 's showing a late payment because of their incompetence! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX foreclosed on our house XXXX XXXX. XXXX delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the XXXX delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to getting out of the military in XXXX I had file Bankruptcy XX/XX/XXXXandXX/XX/XXXX ask Pentagon cu for several loans toHelp me along with my credit but they constantly give meThe runaround saying I am not egible for another loan fromThem until I payoff my discharge loan from 33 years agoI would you to look into this matter for me please. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is soft pulling my credit report every time XXXX or XXXX XXXX soft pulls it. I called XXXX and inquired about it and they said they have no knowledge of it. I talked to Experian and they said since its only visible to me..they ca n't do anything about it..I an concerned about it because there is not valid reason for XXXX to be looking at my credit report. What can I do? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I disputed XXXX accounts as inaccurate/incomplete with specificity as to what wasinaccurate/ incomplete.on XX/XX/XXXX the investigation was completed with '' new information '' ( documents XXXX & XXXX ) .Both accounts are delinquent charge-offs and do not supply the basic '' date of first delinquency '', as required by FCRA.BOTH do not include the amount of lastpayment and other incomplete inaccurate info. ( documents XXXX XXXX ) .The creditors do not specify these items to completely report because it would then be calculable that both creditors charged penalty fees in excess of those allowable by the XX/XX/XXXX CREDIT CARD ACTwhich was fully implemented just prior to the opening of both accounts.I believe both creditors do not want to be paid ... ..because in writing off excessive illegal fees they make more moneythan if I would pay only the charges allowed by law ... ..so they earn more defrauding the tax authorities and the public.TRANSUNION should have deleted both accounts but they do notbecause the creditors are their customers and pay them to collude.TRANSUNION ISNOT ALLOWED TO REPORT INCOMPLETE /INACCURATE INFORMATION afterinvestigation, especially obvious, on the face of the record items. 

Company response: Company chooses not to provide a public response
Consumer complaint: California Business Bureau of XXXX, CA, has attempted, on numerous occasions, via their representative XXXX, to collect over {$1000.00} above the principal balance of an alleged medical collection with XXXX Hospital in exchange for deletion of this account from my credit report. The company claims they have validated this debt with statements and bills in 2010, however, I stated I do not recall this, and they have refused to send updated copies of this debt validation to my current address or remove this from my credit reports. 

California Business Bureau has attempted to extort excess money from me, the consumer, in exchange as a barter for deletion from my credit files. I believe this to be a violation of the FCRA and a very unethical practice. 

I have disputed this debt with the original creditor as well, XXXX HOSPITAL, who claims that the debt is valid based upon me recalling one of the services performed ( XXXX ), though I still dispute the dates of service in question and total amount said due. The original balance is quoted as being {$1700.00}, and CBB is requesting over {$2800.00} to close the debt and remove from my credit report. 

In addition, I have filed a complaint with the XXXX and the Attorney General in California for this company 's extremely unethical business practices. Note that XXXX, CBB Agent, stated " I 'm not supposed to do this and normally we do not do this, but will delete this for you if you pay this amount ''. The company has refused to further dispute this information, nor has accepted responsibility for the attempted bartering with their agent and non-compliance with FCRA. It is also worth noting that NEITHER THE ORIGINAL CREDITOR ( XXXX HOSPITAL ) OR THE COLLECTION AGENCY ( CALIFORNIA BUSINESS BUREAU ) HAVE COPIES OF MY DRIVER LICENSE, SIGNED DOCUMENTS BY MYSELF, or SOCIAL SECURITY CARD proving this is my debt, or that I was seen on the alleged date of service for the alleged services. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CitiMortgage approved a loan modification XX/XX/XXXX, XX/XX/XXXX learned that they had not approved it after my trustee paying my mortgage payments on time. Went to try and do a loan modification with my lawyer, CitiMortgage lawyer, the employees from CitiMortgage never showed up. They caused me to lose a day of work , drive 2 hours to XXXX to try and do a settlement with them. Had to pay for a third party who never showed up except on the phone to be a mediator. I am on chapter XXXX, previous to filing I have never been behind on my mortgage payment. From XX/XX/XXXX to now the trustee stopped paying my mortgage. Still trying to do a loan modification. CitiMortgage constantly stated my papers were not sent when I have a bankruptcy lawyer doing all of my paperwork and submitting it. Finally I was going to surrender my home tired of the whole process. I received from my lawyer information about a possible loan modification the letter was dated XX/XX/XXXX XXXX, XXXX, he advised me to possibly consider this. I decided to go ahead and go through with their offer. Payment due on XX/XX/XXXX XXXX, XXXX was sent on XX/XX/XXXX XXXX. So on XX/XX/XXXX XXXX I have received a letter that the CitiMortgage went to court to remove my automatic stay. Such inconsistencies. Then I received an email stating that my mortgage has been sold. They have caused me undue stress and at this time I do not know what is exactly happening with my house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had gotten a loan through Wells Fargo : America Service Company. Suddenly every XXXX, I had to pay an extra XXXX. I called for information why. No Answer. I had to pay XXXX insurances on my home. I called asked why. no answer. After that I started t o call for loan modification and nothing. I was not behind on my loans at all. Suddenly, someone appears to ask me do I need assistance. I got assistance but I feel it was purposely set up by Wells Fargo because all the problems I had with Wells Fargo he fixed. So I thought I could trust this man. I got XXXX loan modifications but they were XXXX denied by Wells Fargo with lies. My main target is Wells Fargo setting me up because I was always on time until I met XXXX XXXX. : 

Company response: Company chooses not to provide a public response
Consumer complaint: I leased a home located at XXXX XXXX XXXX, XXXX, NC XXXX. My lease terms were XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I vacated the unit and returned possession XXXX/XXXX/XXXX. I relocated to XXXX, MO and entered into another lease agreement on XXXX/XXXX/XXXX. I never communicated or received any correspondence from the property owner or property management company until XXXX. I learned that on XXXX/XXXX/XXXX, the property management company, XXXX XXXX and XXXX requested possession of the unit through the XXXX County Courts. XXXX XXXX was award possession on XXXX/XXXX/XXXX. I did n't learn of the request for possession, any debt owed nor was it reported to any of the credit reporting agencies until XXXX XXXX, XXXX. More than 5 years later I received a notification from my credit monitoring service that an entry was added to my credit report stating I owed {$7100.00}. I knew immediately this amount was bogus. On XXXX XXXX, XXXX, I contacted XXXX County Courts for a record of what XXXX submitted as damages ( attached ). XXXX submitted to the courts a balance of {$1400.00} for past due rents and late charges ( which I disagree with ). However, they sold my account to Resolve Partners , Inc. and stated to this company I owed {$7100.00} in rents. They provided Resolve XXXX , Inc. an itemized statement ( attached ) stating I resided in the unit for 5 additional months after they had obtained possession from the courts. This is untrue. As I previously stated, I fulfilled my lease which expired XXXX/XXXX/XXXX and moved out of the unit on XXXX/XXXX/XXXX ( lease attached ). Furthermore, why would a property management company allow a tenant to remain in a unit without paying rent for 5 additional months after they obtained legal possession of the unit from the courts? XXXX fabricated the amount of the debt I owed them to be able to sell it at a higher price to Resolve Partners , Inc. Even if I am liable for the {$1400.00} that XXXX submitted to the courts, I was not credited for the {$950.00} security deposit I paid upon taking possession on XXXX/XXXX/XXXX. This would make my balance {$470.00}, not {$7100.00}. I have requested that Resolve Partners remove this inaccurate information numerous times and yet it still remains on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have filed multiple complaints XXXX on this going all the way back to XXXX and have filed multiple complaints on XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXTransunion.com XXXX, XXXX XXXX Fax : XX/XX/XXXX Additional documents being mailed. 
Dear Ladies and Gentlemen ; The reason you have received this letter and old copy of my TransUnion credit report is due to the multiple, nearly monthly credit reports disputes regarding XXXX formerly known as XXXX. 
The letter by an unidentified individual at TransUnion clearly states that " Our goal is to maintain complete and accurate information on Consumer credit reports. '' It goes on to state that the company reviewed my information and " After reviewing XXXX complaint, we are unable to process his request because we were not able to determine the nature of his dispute. In order to investigate information contained in his report. Please XXXX provide us with the specific account name and number and specify why he is disputing it. " I have made myself clear for almost three years now, the amount of the XXXX formerly XXXX automobile account is wrong, the nature of the account is also wrong. This item considering the fact that obviously the account is being reported incorrectly and has been for some time, nearly two years, should be removed from the credit report now and forever. 
This specific matter was clearly described on a multitude occasions The balance of the account was wrong, and I was absolutely clear on this matter and frankly am surprised that this is still an issue. 
I have communicated with the lawyers for XXXX formerly known as XXXX and it was clearly an issue where XXXX restructured the financing on an automobile account and moved XXXX delinquent payments to the end of the contract and later when I dealt with XXXX debt collector 's I entered into an agreement with the debt collector for a settlement of XXXX of with at least XXXX has been paid. This matter was reinforced later by the attorneys for XXXX XXXX and I entered into litigation that was settled out of Court. 
In addition, the automobile was repossessed and the fact that the automobile was collected and resold XXXX, XXXX. The automobile was sold for the amount of $ XXXX have sent another copy of the credit report that is in dispute to your attention with the account under dispute clearly and boldly circled with arrows and the words XXXX '' If there is any misunderstanding or confusion, please contact my XXXX XXXX XXXX XXXX at XXXX. Or email XXXXXXXXXXXX, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had a mortgage with Shellpoint Mortagage Servicing, XXXX XXXX XXXX, XXXX, TX XXXX refinanced the loan on XXXX XXXX 2015 ( XXXX ). The escrow company wired the payoff to Shellpoint on XXXX XXXX ( XXXX ). Shellpoint claims that they received the payment only on the XXXX of XXXX ( XXXX ). Therefore I land up paying interest on XXXX laons for XXXX XXXX through XXXX XXXX. I think Shellpoint is lying and even though the money was wired to them on XXXX XXXX they are claiming XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid. 

Company response: Company chooses not to provide a public response