AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I got a bill amount of {$63.00} from XXXX on XXXX/XXXX/2015 for the internet services which is unpaid at this time. 

Here is what happened - I took internet connection at my apartment with XXXX on XXXX/XXXX/2015. After installation, I started having problems with internet connection coming in and out. 
I called up XXXX Customer Care multiple times and they created escalated tickets ( Number - XXXX ), work orders ( XXXX, XXXX ) and sent technicians XXXX times to my house but none of them were able to fix the issue. 

I was also told by Customer Care that XXXX will credit {$20.00} for every technician visit if the issue is unresolved. 

Bad internet connection affected my office work ( because I work from home ) and I was so much frustrated that I had to disconnect XXXX services in less than a month on XXXX/XXXX/2015. 

Then, I got a bill from XXXX on XXXX/XXXX/2015 stating that {$63.00} is outstanding on my account. 

I did n't pay this amount because I feel as a consumer I did n't get the services which XXXX promised to provide when the new connection was taken. I called up XXXX Customer Care multiple times to waive off charges on my account, but they did n't bother to act on my concerns. Now, collection guys are threatening me to pay off balances otherwise it will be reported on my credit history. 

I have never defaulted on my payments for loans, credit cards, utilities in the past and have a clean credit history. I feel I have been cheated by XXXX and need CFPB to help me with resolving this issue. Thank you for your consideration and support in advance!! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I took out a loan with XXXX XXXX in XXXX of XXXX for {$2500.00}. My interest rate was set at 138.85 % with monthly payments of {$290.00}. After making 2 years worth of payments, over {$7000.00}, I finally submitted a complaint. My loan was moved from XXXX XXXX to CashCall to XXXX XXXX where they offered to reduce my interest rate to 20 % with a monthly payment of {$110.00} around XXXX of XXXX. It is now XXXX XXXX and my loan has been moved back to CashCall. After doing some research, I found out that in XXXX of XXXX, our Attorney General ( MO ) sued XXXX XXXX controlled by XXXX XXXX and this operation is prohibited from making or collecting on any loans in Missouri. The lawsuit also cancels existing loan balances for Missouri borrowers but I am still receiving notices that my monthly payment is due and will be extracted. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SECURITY FREEZEI live in Indiana and so I 'm entitled to place a security freeze on my report. I had no problem doing so online with XXXX and XXXX. But EXPERIAN on XXXX/XXXX/2015 and again XXXX/XXXX/2015 would not do so online - giving the message '' We were unable to honor your request ... based on the ( same ) information you entered '' NO info or explanation was given. I was told to MAIL lengthy and onerous info to obtain the freeze ( eg copies of govt ID, utility bill, along with all my info = SS, DOB, past addresses, etc ) Since the other agencies had no problem, I have to believe that Experian is doing everything possible to make it as difficult as possible in order to discourage consumers from placing a freeze on their account. 
In that my personal info was likely obtained in the XXXX XXXX XXXX data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely Security Freeze. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Bank of America owned home mortgage was sold to XXXX and I was notified by BofA 10 days prior to the transfer not the required 15 days. 
Also, my mortgage was sold to a bank in TX, a state I have refused to do business with in the past and vehemently refuse to do business with now. Do I have any recourse to find a different company? 

Company response: Company chooses not to provide a public response
Consumer complaint: We are trying to get short sale approval for a XXXX lien. The loan was with XXXX, then service released to XXXX XXXX XXXX XXXX XXXX XXXX, then on XXXX/XXXX/15 service released again, this time to Lustig, Glaser & Wilson. I 've put in XXXX calls to Lustig 's office, and have sent an Authorization to Release to Lustig 's office XXXX times. They say they have XXXX of new files, and so maybe it has n't loaded into their system yet. They say there 's nothing they can do to assist in finding the loan. We have XXXX lien approval and must get approval from this XXXX lien to close. Please help! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: my payment is due on the XXXX the late payment is XXXX, if I mail my payment in via check the company never receives it by the due date or the XXXX, then they charge me a late fee and I end up paying online so they charge the transaction fee. Any month I send the payment by mail they call on the XXXX saying they have n't received it forcing me to pay the late fee and transaction fee. 
Also now that I review the payments I do n't think the interest they charge me is legal it just seems like im paying triple. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The creditor is XXXX from XXXX, DE. I did default on this loan and it was charged-off. I did recently paid this debt in full at the full pay off amount of {$1300.00}. Prior to me paying this debt off, I found out this debt was being reported as the following : On my XXXX credit report, it shows as being charged-off, but the account name shows XXXX/XXXX. I never had a loan with XXXX XXXX. I 'm not sure why this is even listed. There 's no information showing on my XXXX credit report. On my Transunion credit report it shows the account as being open, with a 90 day past due status. If a creditor saw this they would think the account is still open. There is a lot of inaccurate information on my credit reports. Also, prior to me paying off this debt with XXXX I sent a certified letter to XXXX XXXX as that was listed on my credit reports ( I found out they handle lots of accounts including XXXX, again I signed a contract with XXXX, not XXXX XXXX ) wishing to settle this debt in return for possibly deletion of the negative information from my credit reports. I never got a written response from this company, so I called them, they stated they do not settle accounts and I ask if I would get something in writing and they said " No '' .So I contacted XXXX directly and just paid the debt. This is why I 'm contacting the Bureau of Consumer Financial Protection so I can be assured that I will get a response and update to my credit reporting issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a mailer with bogus information and quite illegal according to required state guidelines. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Initially, I was not given the full 30 days notice for the sale of the mortgage, as required by law. 
Since then, my escrow has been miscalculated twice, changing my monthly payments significantly. The first time it took 3 months and submitting the correct paperwork 3 times to get the calculation fixed. This time, my payment is jumping from $ 850 month ( including escrow ) to over {$1200.00} to fix the miscalculation. Despite repeated assurances that Roundpoint will look into this, my calls and emails have not been returned once in 5 weeks. 
The issues are always simple math mistakes, and have personally made sure RoundPoint has received actual numbers for escrow calculation. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: " This is not a duplicate '' I filed a complaint with the CFPB on Attorney General and XXXX XXXX XXXX XXXX, after disputing the debt collection practices by the Attorney General and XXXX XXXX XXXX it was agreed that the debt be written off due to improper collections. On XXXX/XXXX/14 at XXXX the XXXX XXXX the dispute to XXXX XXXX XXXX XXXX XXXX the dispute. On that same day XXXX XXXX XXXX reported XXXX of those collections on my Transunion Credit Report. For months this has affected my credit and other litigations with in my processes. On XXXX/XXXX/15 I spoke with the Attorney General XXXX XXXX XXXX about the credit reporting, he stated that it had been written off. I had mentioned to him about the XXXX fair credit reporting act violation that were placed on my Transunion credit report. He stated that the Attorney General has nothing to do with those reports that it was XXXX XXXX XXXX I then asked if XXXX XXXX was n't hired by the Attorney General as a third party to collect on the debt. Thanked him for his time and then called XXXX XXXX XXXX XXXX to question the Fair debt collection practice and the Fair credit Reporting Act. I spoke with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, stated that " they were written off on XXXX/XXXX/14. After giving XXXX XXXX XXXX to correct the issue I had to file a dispute with the Transunion Credit reporting Agency, after investigations the Transunion Credit Reporting Agency removed the false reports from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a certified letter to transunion disputing inaccurate information in regards to a public record. I have filed chapter XXXX and it has been discharged. I sent copies of the court information proving that the public record item for XXXX XXXX was included in the discharged bankruptcy. I get back a credit report showing the amount owed of XXXX. It is to my understanding under the FCRA rule no amount should be showing. I also disputed this online. I am filing a complaint for them refusing to fix this error. 

Company response: Company chooses not to provide a public response
Consumer complaint: An agent from One Main Financial in XXXX Minnesota opened an ac for me, I had indicated to him that my husband had an ac with them which I cosigned and I wanted to open my own to which he said I qualified after verifying my credit history upon signing my disclosure statement I realized that the amount was more than I had been given to which I was told since my name appeared on husband s ac his balance will appear on my new ac until its paid out little did I know that he had closed my husband s ac after he received his paid out disclosure notice we called the bank and they were looking at ways to reverse the situation 2 days after this inquiry I called again and was told it was 14 days after and there is nothing they could do, as if that was not enough my husband s ac was debited of this loan payment despite the fact that this was a different account his had been closed and payment date was different the bank was called and they indicated to him that this was the voided check I had presented to them suggesting fraud on my part really then when I contacted them they apologized and I asked me to present copy of my check ( VOIDED ) I did but they again this time debited his ac and also mine different dates but same ac called them again and accepted the mistake and promised to e send a check back for credit and shockingly my husband received a letter sting that he had authorized them to take payment from his ac so no check refund from them so unprofessional customer service and disapointing that I now carry this big loan I did not apply for and cat get help and still getting messed up every time. this needs to be stopped 

Company response: Company chooses not to provide a public response
Consumer complaint: Law Office of G. Reynolds Sims And Associates, P.C. XXXX XXXX is a Collection Agency. XXXX XXXX associates had been contacting/harassing me since XX/XX/XXXX for a debt they ca n't prove. They also contacted my brother XXXX times, XXXX of them was at his place of employment. They told my brother that they are trying to contact me to collect on a debt that I owe. 

I sent XXXX XXXX XXXX letters in XX/XX/XXXX disputing the collection. I have not received a response to my XXXX letter. I thought that everything was ok until I was contacted from XXXX this year ( XX/XX/XXXX ) indicating that I have XXXX open collections account on my credit report. 

I had received several calls from collection reps. Especially from XXXX, whom was very rude, talked over me, told me to contact someonethat can pay the debt for me or I should sell something. He then asked for mybank account number. 

I told XXXX XXXX I want proof of the debt that they are trying to collect. 
He said it is my responsibility to prove it. I asked him how can I prove it if itdid n't happen. 

I am still trying to get this dispute resolved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied on the internet for a lower rate to refinance a mortgage. I was called by a person named XXXX XXXX from XXXX mortgage. We spoke on the phone and I gave him some personal financial information including my social security number and my address. After hearing his sales pitch I stated that I would be in touch if I decided to use his company. Five days later I received a packet in the mail. It was a loan application that I did not request. This application contained my SSN, address, my profession, credit scores. banks I use and other personal information. I am not happy with someone so carelessly sending my unrequested private information via a medium where it is so easy to steal. XXXX again the person 's name is XXXX XXXX. XXXX mortgage file # XXXX. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed several incorrect and inaccurate items on my Experian credit report. Unlike XXXX and XXXX, who both performed proper investigations and ultimately removed the accounts from my reports, Experian never performed a legitimate investigation. I received a letter from them dated XXXX XXXX, 2015 that they previously processed my disputes and that the credit grantor has verified its accuracy. This is impossible because the other XXXX credit reporting agencies were unable to verify it, thus deleting the bad information. Furthermore, Experian refuses to reinvestigate the same dispute. This is absolutely ridiculous. So instead of submitting electronic disputes, I sent dispute letters in the mail. I received another letter dated XXXX XXXX, 2015 saying that Experian believes they received suspicious requests in the mail regarding my personal credit report and determined it was not sent by me. How can they possibly determine this when the return name and address on the letters belong to me, and I personally signed each letter and included my social security number. They simply refused to comply to my dispute requests and delete inaccurate information they are displaying from the following creditors : XXXX XXXX, XXXX XXXX XXXX and XXXX Bank. Moreover, they have restarted the 7 year time clock for which these tradelines naturally drop off of my credit report which is yet another violations of the FCRA. I am utterly disgusted with Experian and request a full investigation of their practices along with my ignored disputes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was enrolled at wyotech in XXXX Florida for school. I was told that I had no choice but toGet this loan from genesis lending for my XXXX academic year, I had to get this personal loan for {$5000.00} to be able to finish my school. The XXXX advisor never explained this when I started my first academic year, anyway I was also told that hey would find job placement as soon as I got out of school, and they did not do anything to help me, I have had financial hardship since I have been out of a school and could only find a job that pays me XXXX an hour. My loans are to high and genesis will not work with me and the interest is 12.9 % and each Month they charge me an additional XXXX late fee. Everything I was told has been false regarding the loans and interest, as well as the job market, there are no jobs that are paying XXXX to XXXX an hour! I have had extreme hardship trying to pay this debt to my fed loans as well as genesis. My genesis loan is still at XXXX 3 years and it only shows XXXX paid! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Contacted place of employment after I explained I am not allowed calls. Personal or Business. Left message on my work voicemail. 

Company response: Company chooses not to provide a public response
Consumer complaint: on same day in XXXX 2015 they called my wife at work, me at work and me at home, from XXXX. The man, XXXX XXXX, stated he was trying to find our son to collect a debt, that a claim had been filed against him and his old address was no good. Informed XXXX XXXX that we did not know where our son was and to not call us any more. On approximately XXXX XXXX XXXX XXXX called again. We informed him of previous request not to call, that he was violating FCRA, and ask for his company name, address and phone number. He would only supply CKA as the company name and then hung up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was charged by Experian every month for membership that I did not agree to. I signed up for a 1 dollar credit report and instead I was charged {$22.00} a month for five months. I never agreed to this. Experian stole around {$88.00} from me. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Bank of America signed a settlement agreement with the DOJ in XXXX of 2014 regarding Countrywide mortgages. According to the Settlement the Bank of America was to suppose to modify all the Countrywide loans shown on XXXX XXXX of the Settlement. Currently Bank of America is keeping it a secret which mortgages are being modified. The only mortgages being modified are the ones Bank of America still owns. As a result Bank of America is violating HUD and CFPB 's regulations. See the attached letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I received a demand letter for payment from USCB America for {$730.00}. I am disputing this debt of {$730.00}, because it has never belonged to me. 

I was a victim of identity fraud and are disputing this debt of {$730.00}. I have been receiving harassing phone calls from USCB on my employers mobile phone. 

The {$730.00} debt belongs to some one who used my information with out my knowledge. I will not pay a debt not belonging to me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received a XXXX tickets in XX/XX/XXXX that was captured by a camera. I am in the military and I am always on the move. The only way I found out was when it showed up on my credit report as a collection account on XX/XX/XXXX. I had no knowledge of any debt before it went to collection and showed up on my XXXX report. I had no chance to contest my ticket, let alone pay it. Before this, my score was consistently above XXXX FICO 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America charging me for late payments when they are not late. and hurting my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: I am on the Do Not Call registry. This number called me and gave me an account # XXXX for a debt of $ XXXX for XXXX . They tried to verify more personal information from me. I only gave name and DOB. I do not owe any medical debt that I am not already paying off from a number of years ago. This is not anything I have a debt for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was issued a citi prepaid card by the XXXX to remit my tax return. When I registered the card no details are provided on ACH fees - or any fees even as the user agreement forces agreement to the fees. The disclosure indicated a link to said fees would be provided but none was. I searched the site and elsewhere online thoroughly and found none. I called the customer service line and no option to speak with a customer service representative was provided, only limited automated service. Considering this is my money provided in a format I did n't approve, at least I could be provided clear terms and adequate service given Citi is earning returns on my float and potentially vendors where I will be forced to use the card as direct transfer to my bank account has unclear financial fees. I 'm highly irritated and should be able to access my own funds more easily. 

Company response: Company chooses not to provide a public response
Consumer complaint: It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX. 
I want to report this company as a total fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have written to XXXX XXXX XXXX account XXXX multiple time requesting for validation and have not received any. 

XXXX XXXX have written to Experian multiple times concerning the lack of validation on this account. 
XXXX XXXX have asked Experian to remove the allege account from my credit file for the lack of validation from XXXX XXXX XXXX, and all I get from Experian are that they are performing research and get a repetitive automatic responses, with no validation as alleged that they verified it. This happened every time I wrote to Experian, they repeated the act of doing research which ended up nowhere. I never received any validation from Experian nor the collection agency. 

This is in violation of the FCRA. The Collector failed to validate this allegation, and Experian is not removing this negative remark from my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit 

Company response: Company chooses not to provide a public response