AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: i have been contacted by First Source Advantage for a XXXX CC debt from 10 years ago, the debt has not been on my credit report for years. could be potentially legit debt, I have been cleaning up my credit I 'm unsure what I have paid off in the past. 

I have ask for verification of this debt and even provided an updated address. they have failed to send any information. they called back after a month, i still had n't received any information, they verified the address in their system, which was correct. 
Here it is another month later I Have n't received any documentation and they called again. I told them i have n't received anything from them still and not to call me again. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Had an appointment with XXXX XXXX and was told my insurance covered all work done on that visit. I received a bill for XXXX {$170.00} and continued to dispute with XXXX XXXX. Spoke with a representative at corporate and they were supposed to contact my insurance company and get back to me. Today on XXXX/XXXX/2015 I received a call from a XXXX party debt collector, Budget Control Services. From there I called XXXX XXXX and they are looking back into it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Pinnacle Credit Services collected {$100.00} from me on a XXXX account in 2013. 
There is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This concerns case # XXXX. We contacted Wells Fargo again today. There seems to be good news. I had my son XXXX XXXX speak for us. He spoke to someone at Wells Fargo named XXXX. XXXX has agreed to review this whole case anew. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent a cashier 's check for {$1900.00} on XXXX XXXX, 2015. I deposited it in my bank account and the funds were in my available balance the next day. The check obviously cleared in the bank since the entire funds were made available to me. However, on the XXXX of XXXX. I called the bank to find out why my account was withdrawn and was told that the check for {$1900.00} was fraudulent and was being sent back. I was also told that it was my fault for not waiting for the bank to clear the check and make sure that the check was good. I was also told that the reason the bank made the funds available to me was because I have been a long time customer and have never had problems like this before. I trust that when the bank makes funds available to me that they are really available to me. I have completely lost my trust in US Bank. I am now over {$700.00} withdrawn in my bank account and I was told I am responsible for paying this money back. This is wrong on many levels and I feel I should be refunded this money because this the bank made the funds available to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being contacted by debt collection company on behalf of XXXX in the amount of over {$5000.00}. for internet and telephone services. I am a XXXX XXXX XXXX woman who only used the computer to visit XXXX, access my XXXX account and pay bills online. I did not download or stream movies so I can not understand the amount being requested. I requested documentation that would provide me with a better understanding but only received a letter stating I was responsible for the stated amount. I am asking for assistance to help me understand my responsibility and achieve a speedy resolution to this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I hadXXXX negative items on all XXXX credit reports. All have been cleared except XXXX from Experian. It was negative in XXXX, XXXX. After contacting them, they goofed and made it a positive item on my report staying on for 10 years ... XXXX XXXX. More letters and calls to them finally they corrected it to negative but still keep in on until XXXX XXXX. According to XXXX Bank it is a negative item and should be deleted in XXXX, XXXX. Nobody at Experian bothers to review this problem. They just send the same response back. Can you help? I have documents to prove this but I am rather illiterate on the computer and do not know how to attach things. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: Consumer Collection Services XXXX XXXX XXXX, XXXX, MA XXXX M-F : XXXX - XXXX, Sat : XXXX - XXXX ET XXXX / XXXX + multiple other phone numbers CALL CENTER SUPPORT : XXXX XXXX : XXXX A. ( I 've withheld the name of the debtor ) These people WILL NOT STOP calling me. I have told them repeatedly that I am not the person they are looking for, I do not know him, I have never met him. He does n't live in my home & he does not own the rights to this phone number. 

They are making my life miserable with the non-stop calling. I have reported them to the DO NOT CALL LIST & FTC.gov. 

Thank you. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I applied for a credit card with XXXX XXXX. I was denied because my address did not match what was on my credit report. Then I tried to get my credit report and could n't get it online because the security questions were n't mine. I feel I am a victim of credit fraud. What ca I do to prove I am the rightful person to use my Social security number?. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed a XXXX loan in 2013, and XXXX did not require me to obtain XXXX Interior Condo Insurance. 2 Years later SLS is threatening to force place this insurance on my property because it 's their " Policy '' for me to have it when my note does not contain this requirement. It 's not fair to change the rules in the middle of the game. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XX/XX/XXXX. The judgment was also filed in XX/XX/XXXX. The debt collection agency is Dominion Law Associates, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to XXXX XXXX Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at Dominion Law Associates with no success XXXX her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by XXXX a point which will cost me money for years to come because of the incompetence and lack of concern on the part of Dominion Law Associates through no fault of my own. 
On XX/XX/2015, I made payment in full of {$2200.00} to Dominion Law Associates to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, Dominion Law Associates finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at Dominion Law Associates, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from Dominion Law Associates, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially. 

Company response: Company chooses not to provide a public response
Consumer complaint: Actually XXXX of the above. Our bills through them are medical. A failed XXXX XXXX at XXXX XXXX that totally XXXX my wife. Patient relations understands this and has told me, " just send what you can, when you can. I have documentation, cancelled checks and bank records showing I am making payments, more than I should but, even after advising them NO MORE CALLS, every day they call, some time several times a day. WE had to finally have a block put on our phone. They had called my work office and even advised my supervisor who they were and why they were calling. Disclosing my debt info to her! They even asked for my we whom they know to be XXXX and is not working. Especially at my place of employment. My supervisor can attest to this as they called several times after being told not too. " I make regular payments to these people and they constantly harass us for more, more, more. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: TO, CFPB I have checked my credit report and found that all my credit is missing. I have utility bill s payed, I have car insurance payed for 4 years, I have apartment payed for for two years faithfully, and phone bills, cable, an inter net. I would Like to re submit all the bills and information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I request a credit increase from my XXXX XXXX XXXX & I consider there will be a soft Copy of my credit report, but they did a hard copy without mentioning on line on this regards, therefore I lost some point on my credit Fico Score by Trans union, which is not Fair, they should notice me that before my request on that regards, my other Credit card they do increase on line with no effect on my credit Score ( Soft Credit inquiry ) Please consider my request to remove this hard copy from my Credit report on XXXX/XXXX/15 Thank you for concern & Happy holidays XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call from XXXX which works for Michael Andrews & Associates LLC after talking to him and informing him that we have not received any information over the mail and that we were not aware of any collections, he wanted me to come to a payment arrangement immediately. After I told him I was not able to do it at the moment he told me that if we did not pay arrangements would be made to garnish my wages and that I will have to pay more than what he was offering me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Need debt verified or removed from credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was making payments to Wells Fargo for a store credit card I had gotten through XXXX XXXX. I purchased the chair in XXXX of 2015 and started making payments the following month. I made all payments by logging on and manually making payments. XX/XX/2015 I decided Autopay would be better so I signed up. I thought it made a payment for XX/XX/XXXX because in my bank statements the transaction shows as an ACH transaction so I did not look at the account again until I was notified in a letter from Wells Fargo that I was 2 months behind on payment and that the account was closed. I had no prior contact from them via email, phone call, or text. ( see attached Statements JPEG of account messages ) I had no idea the autopay did not work until it was too late. I caught the account up after I was notified, via letter, and called Wells Fargo myself. I thought all was well until I had applied for a car loan and noticed my credit score dropped XXXX points!!! Wells Fargo made no effort to alert me that my account was delinquent ( see Statement JPEG and if they had looked at my payment history they would have seen that I made my payments on time and should have made a better effort to alert me. I would have taken care of it then, instead of ruining my credit score for a simple misunderstanding. I am an honest customer who made his payments and I do n't feel like my credit should be ruined because of this mistake. I can understand a late fee and having to report that, but an account closure is absurd! 
I contacted Wells Fargo and attempted to get them to rectify the situation but they did not even take a statement from me or ask about my side of what happened and then I get a letter in the mail about the situation and she did n't even try to rectify the correct issue. I just want this account closure stricken from my credit record and my credit score to reflect that. This was just a misunderstanding and they made no effort to help whatsoever! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX loans on my home. The first mortgage after much stress, hassle & lies from this bank, I finally received a loan modification. The XXXX loan is a HELOC with " Wells Fargo ''. They told me that if I could get a loan mod from the first lender it would be much easier to get modified with them. They denied me twice, saying I can afford the monthly payment as is. Which seems to have nothing to do with any reason to deny an approval. The payment would have to go up regardless & if I made less money they would say I could not afford it & be denied as well. They even added {$1000.00} to my gross income, of which I do not make. So apparently there is no such thing as approval in any case.There is only an {$8500.00} ( approximate ) delinquent amount. If this amount was simply added to the loan amount it would be about {$20.00} more per month in payment. So they would rather foreclose on my house than to increase my monthly payment by {$20.00}. This is outrageous. 
In 2 years this HELOC will end anyway & the entire amount will be due. If I refinance it will increase my payment by about {$600.00} more per month + the cost of the refinance fees. I only have 2 years on support payments left & then do not know if I will have any income at all after that. I was a homemaker and almost XXXX XXXX XXXX now. While my ex still enjoys his XXXX figure job & lavish health insurance. He was the one who caused all of the delinquent payments in the first place. The only choice I am given is to come up with the {$8500.00} payment. How do they figure that I can afford that? I am currently making the month payments & have been for the last couple years. It is only the delinquent amount at issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX representative mistakenly did a hard pull on my credit report. I contacted XXXX office of the president ( XXXX ) XXXX extension XXXX and XXXX informed me they have requested TransUnion to remove the hard inquiry on XXXX/XXXX/XXXX. 

XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX On XXXX/XXXX/XXXX the hard inquiry was still on my TransUnion credit report. I contacted XXXX and they informed me that the request was sent and the processing time is entirely up to TransUnion. 

On XXXX/XXXX/XXXX, nearly half a year later, the hard inquiry is still on my credit report. TransUnion failed to process the removal request in a timely manner and always pushed me to creditor ( XXXX ) when I contacted TransUnion customer service. The customer service supervisor I spoke to was XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: When I pay extra money towards my principal balance, Freedom Mortgage posts my regular monthly payment XXXX, they deduct what I owe to interest, then the principal amount from my regular payment, then on a separate entry they will enter whatever amount I paid extra towards my principal payment. Well after they deduct this extra principal I pay, they then post the TOTAL OUTSTANDING BALANCE with the regular monthly interest they deducted on the regular payment back into my amount owed. This month is was {$330.00} added to my total due instead of it being deducted. Plus every year they transfer my loan from one lender to the next and I have to either agree with the balance they say I owe or dispute it. I disputed it because of their failure to post payments correctly. They sent me several documents of my payment history, but not all of it as I requested. There are months missing. I need to know if there is someone I can hire to audit my account and get the files. They transfer the mortgage from their sister companies every single year so far. Just to make sure they keep skimming off the payments when people do n't notice they total your money back into the balance as if you did n't pay it at all. Just a little at a time so it is n't noticeable. Customer service is n't helpful, phone calls are time consuming, their website is hard to look at each payment due to the way they post the payments. XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Principal Payment Reversal ( {$22000.00} ) Detail XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$21000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Principal Payment {$39.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$40.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} If I pay {$22000.00} towards the principal balance, then the balance should be that exact amount subtracted from the prior months balance. Instead they added {$330.00} into my final balance. I want the entire account analyzed due to the fact that every penny we earn from our jobs goes towards this loan. They are thieves. I HATE THIS COMPANY AND WANT OUT OF IT! I want to find a bank that is honest and do n't try to steal from hard working people who actually try to pay their bills off. 

Company response: Company chooses not to provide a public response
Consumer complaint: An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I attempted to make a payment on the company 's website, and they took the money, however, I received written correspondence stating that they wo n't honor the payment to my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company is on my credit report. I have no idea who the company is attempting to collect a debt for. The FCRA states that a company has to send me a letter in the mail 30 days prior to reporting on my credit. This is a clear violation of the law. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: US Bank is charging overdraft fees to make money. I have on several occasions looked at my account saw it was over and immediately put money in the account. Not a check, but cash. The next day I am hit with an overdraft. I have made many deposits on my account in cash and all have a positive balance to again get overdraft fees. I have requested text messages when my account is below XXXX, not only have I not received one this year, but they notify you the following day what your previous balance is. Just so they can charge these fees. How is this legal. 

Company response: Company chooses not to provide a public response