AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Message sent to CMRE : I had received a call from CMRE and missed the call. I returned the call and got on the call with an EXTREMELY rude person who insisted that I need to pay bills for XXXX of my family members from as far back as 4 years ago. She continued to interrupt me when I tried asking what the bills were for and why I was just now hearing about them missing payment. I asked several times for her to send me documentation as to what the bills were for and from what doctors, so I could do my research and confirm that they had not already been paid. She told me I could refer to my EOB ( remind you some of these were from 4 years ago ). The most recent charge was from XXXX 2015, which I explained was currently under " audit '' from XXXX XXXX XXXX and I would not be paying that since we had already reached our " out of pocket maximum '' and that I could not pay that until the audit is complete. I feel as though I was being BULLIED to make a payment with no further explanation or back up information. 

If I was one of the doctors offices that you were representing and this had been outstanding for 4 years, I would not be impressed since this is the 1st time that I recall having received a call from this company. I have never had an issue with paying my bills, but I will not just arbitrarily pay something that someone " SAYS '' I owe without any documentation/information. 

I understand that you have a tough business, but rather than treat every person that you call like a POS and try to bully them into paying you and making you go away, you might want to consider trying the kind ( you get further with honey than you do with vinegar ) approach. Maybe I just received a call from someone that was having a bad day or that was not properly trained, in that case please feel free to have SOMEONE ELSE call me back to further discuss. Or, if this is your common way of handling business, please be sure to understand that I WILL find out what doctors use your service and make a formal complaint about the way that you " handle '' your customer service, by not making contact for 4 years and then when you do finally make contact, you try to bully them into immediate payment without providing further information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I lost my mom on XXXX/XXXX/XXXX, she had fell behind on her mortgage in XXXX. She was also receiving help from NJ XXXX at the time. They were paying a portion of moms mortgage and mom payed the rest. When mom passed she willed the house to myself and my brother, my brother XXXX on XXXX/XXXX/XXXX. I contacted Ditech 2 months after mom passed and the gave me a trial period payments with the promise of a loan Mod. at the end. I made all XXXX payments and then the claimed because mom dies I needed to assume the mortgage ( which I am more the happy to do ) To this date the have not accepted any more payments and have filed suit in court with the intent to foreclose. Everything they have asked me to submit I have. I truly believe the have acted unfaithfully. This is my moms live long work and my childhood home. I would appreciate any and all help in trying to keep our home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I joined " XXXX XXXX, '' and have monitored my credit report frequently. I had ( XXXX ) open accounts in collection, which had a " high negative impact '' on my credit score. Both accounts were over ( 10 ) years old. I disputed both items with " Transunion '' and they investigated them one at a time. The XXXX investigation was completed on XXXX/XXXX/XXXX concerning XXXX XXXX XXXX XXXX & Transunion results were " NO LONGER ON FILE. Yet low and behold, the derogatory account is still on my report as open & in collection. The XXXX report was investigated by Transunion and the results were the same ; no longer on file. So far, the one was removed on or about XX/XX/XXXX. I wrote to Transunion in XX/XX/XXXX and after informing them of the results of their own investigation, I asked them to remove the first negative account. As yet, they have not done so. It 's no wonder consumers are having such a hard time keeping their head above water financially. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have not received any written notification of this debt by CMRE. I i was called about a debt in XXXX of which i made payment in good faith & requested Dr 's information or the clients they represent, however i have not received any receipt of that payment or any other payment reminders or even details how this debt was accrued. 

i never got a bill from any doctor neither do i remember receiving any information neither by call or in writing from CMRE, this was only brought to my attention, when it appeared on my credit. 

i am in the process of purchasing a home and attempted to pay them {$100.00} though i already mentioned this was mistaken identity. 

they threaten to put this on my credit if i did not pay, so i paid them just to avoid any discrepancy on my credit. 

well come to find out they reported falsely to my credit and have engaged in XXXX style tactics, threatening and harassing me since i made my first call to them.. 

i need justice and a refund, they should delete this from my record and provide the Dr or Hospital details that gave them my information, so they can be sued. 

falsely reporting to my credit has caused me great financial loss and i am in the process of losing the Ernest deposit i made. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: fraudulent charges were made to my macys credit card. Someone obtained by my information and made charges to my account. Macys sent correspondence to the wrong address. I never lived at the fake address that Macys sent letters to. I filed a claim on XXXX XXXX, 2015. They claimed to have proccessed it on XX/XX/XXXX. Since then they have been investigatin without any indication of whether the charges were fraudulent or not. Now recently, under threat of litigation, there was some progress. The company stated that they were going to clear the charges and report it to the credit bureaus. I asked for a letter detailing the investigation was indeed over but a few days later, I get another call stating that the charges are clear but they are still investigating. They denied the request for letter given. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: HUNTER WARFIELD is attempting to collection on a debt that was caused as a result of identity theft. 

My identity was compromised in XXXX. Someone broke into my car and stole my wallet and other items that had personal information. It 's unclear who exactly however the Department of Justice might have arrested someone. If the apartment they collect for verified ID or went through proper identification procedures they would have seen it was n't me. 

I sent a certified letter containing : FTC Fraud Affidavit on XXXX/XXXX/XXXX ( Receipt XXXX/XXXX/XXXX ). I have not received a response. Today, XXXX/XXXX/XXXX I sent another certified letter containing all of the above documents and DOJ Victim Letter. 

Please feel free to review the attached documentation and proof of what they received and when HUNTER WARFIELD received it. 

I 'm hoping to get this resolved soon. Thank you XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Two issues. 

1 : on my rewards credit card, I was not accruing points at the amount stated in contract. Took multiple requests for resolution and they only credited a portion. 

2 : when I attempted to redeem points, I could not do so online. Customer service advised that I call in to redeem XXXX points for a {$400.00} credit. I called in and rep messed up the transaction giving me a {$200.00} credit. I was promised a response after the case was opened and no one reached out. After repeated emails, and sharing stated terms of my contract, they will not credit me the {$200.00} difference. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I moved out from XXXX prior to the end of my lease. I gave proper notice & received an email from the manager that explained the fees. I paid 2/3rds of the balance prior to leaving & was informed I would be contacted in 30 days and I could make payment arrangements. I received a letter on XXXX from a company called IQ Data saying I owed and incorrect amount. I faxed them the next day with a copy of the email from my leasing office with the fees and asked them to correct their records and I would make payment arrangements to pay the corrected balance. I also called that afternoon and was told to wait 24 hrs for my fax to get in their system and they would contact me. They did not even tho I provided all my current contact info. I called them back on XXXX. They claimed they did not get my fax even tho I had a confirmation letter. They continued pushing me to pay the debt then and said that it would go to the credit bureau if I did not take care of it immediately. They told me that I could not make payment arrangements and that I only had 30 days from the day I moved out of the apartment to pay the debt. Their letter arrived 30 days after I moved out so I could not have paid it. They refused to listen to my concerns, they were unwilling to consider payment arrangements on the corrected balance and all they did was threaten me to pay the balance as quickly as I could. I do not want to deal with these people. I want the communication returned to the leasing office and I will make arrangements with them once they have assured me that the balance has been corrected and this will not appear on my credit report. IQ Data is unethical and people should be made aware of their terrible collection practices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. 
Received a mailing from them last summer stating I owed a debt which they were hired to collect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted an application for a loan modification in XXXX XXXX. I sent all the documents required. Since that time I have been contacted numerous times asking me for the same documents I sent before. It is now XXXX XXXX, XXXX and I am still going back & forth with this mortgage company. Even the agents have admitted that they have the items that the underwriters misplace them. I am at my wit end fed up with this and want something done immediately. I 've faxed, email and mailed the required documents 4 times to no avail. The agents are not knowledgeable and no one seems to want to assist me. When I ask them to look for the documents they find them. However the following week I get a call asking me for the same thing over and over again. 

Company response: Company chooses not to provide a public response
Consumer complaint: The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Trans union asked for the account # for the debt I paid, and then we got disconnected. I called back as I had found it not even 3 minutes later and an automated voice told me I was being investigated, so I could not speak to any one. The trans union worker on the phone wanted the account # of the account I paid. It is account # is XXXX and the amount paid was {$140.00}, with XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been part of a scam and have contracted my bank ( XXXX ) and am not being taken seriously to stop the scam. I need your help. 







I have received several credits to my checking account x XXXX claims that I did not initiate through Macy 's XXXX XXXX. So far, not bad since it 's a credit - the next step these scammers do is start wiping out your funds. 




The credit card is not mine, however the checking account is. As of yesterday XXXX of the XXXX credits were reversed. Again I did not initiate this either. I spent over 3 hours on the phone with XXXX last week and 1 hour speaking to a supervisor- XXXX from Tennessee ( they give you their location when you call XXXX last night. She said they did not initiate it but the merchant did. Last week I canceled my debit card and have received a new XXXX. I received XXXX letter from XXXX yesterday that said I could have a copy of the transaction and when I spoke to XXXX, she said no, because they do n't have it. 










I said let me get this straight. I did not and the bank did not do anything except follow the orders/transactions from Macy's- which I told you I did not do! Yet Macy 's is able to have access to debit or credit with my funds? 




It was explained that the merchants sometimes clean up their accounts and return funds for bookkeeping purposes. If they did that- they why turn around the next week and recoup x XXXX of the transactions? 




When you XXXX " MACY*S.COM # XXXX there are pages of information, yet XXXX does nothing to block Macy 's from my account. I have a Macy 's card. They certainly know how to bill me or credit me. I also believe that any funds they may have would have been escheated to the state. 




XXXX : XXXX https : XXXX http : XXXX MACY*S XXXX XXXX XXXX XXXX MACY*S XXXX # XXXX XXXX OH I provided Macy 's On Line with the new American Express XXXX card to pay for XXXX pieces of luggage. The total cost was {$480.00}. 




View on XXXXMacy XXXXmacyscomXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/2016, I answered an Internet email advertisement about getting a Mortgage on line. I was also talking to a local company about a Mortgage and should have stayed with them. When XXXX of the Representatives from The Loan Depot contacted me ( an Internet Mortgage Company ), I decided to give them a try because of their excellent promises of " getting it done in 30 days ''. I had been warned about on line Mortgage Companies, but these people are good ... .and they talked me into going with them. The process dragged on and on and on ... ... and I really do n't think that Loan Depot steals money from anyone, they just promise money back and credits on your closing costs as long as you do what they say ... ... and then the approval process begins. Now that they have everything you can imagine about yourself, including pictures of your personal items in the home ( proving that you really live in the home ), it drags on and on and on. When they XXXX up, they ignore you. When you drag your feet, Loan Depot gives you the " death promise '' ... ... if you do n't do this or that, you are out, this loan is over. The problem with this loan was that I was coached to say things, send in items that did not exist ( which I did not send ) and then they just NEVER get it approved!! The real confusing thing was that I was told that the Loan was approved, we got a call from XXXX different sources, the Title people and the Insurance people telling us to get ready for the closing ... .and then silence ... ..nobody is returning calls and you start getting the run around. Then, on a Saturday, when they do n't think you are going to answer their phones ( because they are always phone numbers that are blocked ... .DO NOT SAY LOAN DEPOT, like good companies have on their caller ideas ) and you do answer and they tell you at the last minute, this loan is not approved at what amount you needed, but we will approve another lower amount. I told them to go for it, and once again, they started putting me through the " approval process '', unbelievable. So, after almost 90 days of Loan Depot 's promises, NOTHING ... ..and then finally a " this loan can not be done, because you wo n't give us what we need, which is items that are impossible to give them ''!! CONSUMERS, go with your gut, but DO NOT use Loan Depot or any on line Mortgage Company. If you can not go somewhere and look at these people across the desk and make them responsible for what they say, DO NOT play their game. They promise the moon and deliver nothing. Even though, they represent that they do thousands of loans a week ... ... and maybe they do. Nice people, big promises, NO RESULTS!! PS I went back to my local Mortgage Banker, locally, and they are closing on my loan next week for the full amount I needed. Thank you CFPB for allowing us, as consumers to get word out on these kinds of companies. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On or about XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, my daughter XXXX was taken to XXXX XXXX. On both occasions we were fully insured, in fact in XXXX, we had double insurance. XXXX XXXX XXXX, contacted me regarding this debt on or about XXXX XXXX, XXXX. I responded to his notice on XXXX XXXX, XXXX and advised him that his notice was both deficient and improper and requested validation of debt. XXXX XXXX did not provide verification as he is mandated to do under federal law nor at anytime did he make me aware that all he needed was insurance information. On or about XXXX XXXX, XXXX, XXXX XXXX filed a complaint, knowing that I disputed the debt. I was never served with the complaint and then on XXXX/XXXX/XXXX he moved for a judgment and a writ of execution without ever serving me with those papers so that I could request a court date and dispute this process. A call to my insurance company reveals that these XXXX debts were never submitted for payment and in NJ this company is under contract with my insurance and is not allowed to bill me until after the claims are first submitted to my insurance. My credit is ruined as a result. If XXXX XXXX has responded as he is required to do under federal law I could have provided the necessary information. He is clearly in possession of the information necessary to provide verification as he provided to the court when he filed for a writ of execution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ridiculous!!! I have been in review since XXXX XXXX Nobody at BSI Financial , our Servicer, will respond to our requests. When we send documents, we hear NOTHING. They do not respond to us, nor our counselors XXXX, XXXX and XXXX at XXXX XXXX. And DO NOT SAY YOU DO NOT HAVE AUTHORIZATION TO SPEAK TO XXXX AND CLOSE THIS CASE, like you tried to last time. My written authorization is attached. 

XXXX also tried sending our help request to the investor, XXXX and they did n't even bother to respond either. We have so many emails to them sending documents and then following up, and only TWICE has BSI responded to the emails. 

BSI, kept insisting that they never received any of the documents for the modification review. We continued to send the documents that they requested, it 's been over 1 year now. Since the beginning of the modification process they always had an excuse they never received documents for modification review - that or they just do n't respond whatsoever. They clained a HAMP denial letter was sent out as you claim in XXXX due to missing documents, however we have since tried to send back in numerous updated packets and information, which no one fully addresses nor corresponds back with us or the borrower. Getting someone to respond is like pulling teeth to say the very least ( see attached, all emails with NO RESPONSES ). We have reached out to the counselor assigned, XXXX XXXX, numerous times, no one returns our emails or calls. I tried calling three times on XXXX and was placed on about 30 minute hold each time with no answer. Out of desperation, I have also recently emailed reps from the past XXXX XXXX and XXXX XXXX to help, but no response from them either. 
We need a DEDICATED person to be assigned to this case - the people thus far have done nothing to help. Please see attached, just a FEW of the emails we have sent that NOBODY has responded to. PLEASE HELP. Nobody is trying to help. They put us on hold for a very long time, or they do not respond to numerous emails. PLEASE HELP. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: + Original debt ( roughly {$80.00} ) from XXXX XXXX XXXX XXXX ( XXXX ) was disputed ( double billed - i think so they could bill vision insurance and health insurance separate ). XXXX said they would get back to us but never responded to consumer. 

+ Consumer received multiple calls from debt collector Capital Accounts ( CA ) addressed to a minor in the house ( XXXX old ). Father explained situation and asked for debt validation. Nothing ever received. 

+ one gentlemen from CA mentioned we were " breaking the law '' because of the minor / parent and discussing it without proof. 

+ Consumer paid bill directly to XXXX just to make it easy ( only {$80.00} ) and to resolve matter. 

+ CA continues to call consumer for debt ( it 's been at least 60 days since it was paid ). Latest was today - When I asked for contact details, he said his name was XXXX XXXX and then hung up on me. 

+ phone calls from CA come from a switchboard operator 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My issue is the ongoing negative derogatory impact on my credit report, over and over again I have been denied credit loans and refinance options because my mortgage loan servicer is still reporting Qty : 19 Missed payments for BofA XXXX XXXX # XXXX, even though the Account was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ). An additional Qty : 7 Missed Payments are showing on BofA Loan XXXX # XXXX, where a home loan modification agreement was reached to get this account back to current/favorable status. Loan XXXX qualified and was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ), under the fraudulent loan provision of the National Mortgage Settlement, Which by law allowed me to claim tax exemption for the loan debt forgiveness under the Mortgage Forgiveness Debt Relief Act and seek credit repair for improper loan servicing practices. Loan XXXX was also renegotiated thru a loan Modification. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response