AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I opened a HELOC in XXXX XXXX with XXXX, in XXXX XXXX it transferred to Specialized Loan Servicing. In XXXX XXXX i decided to refinance my primary mortgage and during th information gathering phase it was found that the HELOC is not recorded in the county I live in. On approximately XXXX XXXX, XXXX I began calling Specialized Loan Servicing to ask for a copy of this document. I have called each week since asking for this document to allow refinance to proceed, each week I get another person and another story. SLS document storage company seems to be in the land of the lost and no one can call or contact them other than via internal email. I was told to submit issue via fax to expedite ( attached ). I was told that a work ticket had been opened and due to close on XXXX XXXX, XXXX, when I called on XXXX/XXXX/XXXX I was told that ticket had been closed and another opened and scheduled to close XXXX/XXXX/XXXX. No one could tell me what or why. On XXXX/XXXX/XXXX I was told that the original consumer file had been ordered on XXXX/XXXX/XXXX, exactly one working day ago. No explanation as to why it was n't ordered 5 weeks or so prior and no time frame as to when I could expect resolution. At one point I spoke with a supervisor but vague answers where the same, on XXXX/XXXX/XXXX I asked to speak with that persons supervisor and was told that the only way I could reach them is thru the first level supervisor. Oddly enough that person is out of the office for an undetermined amount of time. I have filed a complaint with Specialized Loan Servicing home office and received a letter stating they will investigate in 30 days ( attached ). Now I have missed the closing window for primary mortgage due to all of the fumbling at SLS and its costing $ XXXX per month. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX account listed on my credit report with Experian and XXXX has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal is holding my refund hostage. I only use my account to purchase items from ebay and when I was issued a refund, paypal took possession of it and refuses to release my money back to the card that was used. In my account, it reflects that I do not have any funds. When I pay with a credit card using them as a payment processor, I expect them to return my money the same way. This is unfair and they are taking advantage of consumers for their own financial gain. Paypal should not be aloud to hold money hostage ESPECIALLY in a refund scenario that they had no control over. I have proof that my refund was issued from the seller on ebay several days ago, as well as proof my paypal account shows a {$0.00} balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My loan has been taken away but the company still keeps their account open in my credit information. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I purchased a vehicle from XXXX XXXX XX/XX/XXXX, A XX/XX/XXXX Sonata. Regional Acceptance financed the vehicle for XXXX months at 16 percent interest. I have had the car for 4 years making monthly payments of XXXX. As of today XXXX payments have been made totaling XXXX dollars. Regional Acceptance says I still owe XXXX on the loan, which is not correct and impossible for a loan that is 48 months into the XXXX month term. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with the creditor once and told them that I was investigating this as I had received several different bills from this medical company. I asked for any documentation that they had to tell me of this bill. None was supplied. No terms of payment were supplied either. After I sorted through my information I was unable to tell if this bill was accurate. Then, it shows on my credit report several times for a total of {$650.00} on Transunion and XXXX reports. Please remove this from my report as I have paid it as of XX/XX/XXXX and will continue my investigation as to where it come from. I will expect a full refund if this is inaccurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently noticed a repeated credit inquire every 3-months on my report since 2013. This is only on my Trans-Union report. The report list creditor contact a SYNCB/PAYPALEXTRASMCORLANDO, FL XXXX XXXX XXXX XXXX XXXX. I called this number and they state someone is applying for credit using my social security number and that I needed to contact Trans Union and hung up the phone. I called Trans-Union to report the fraudulent activity and they said they can not do anything about it, I asked for the information to be disputed and open an investigation and the Trans Union Representative refused to take such a report. only their represented refused to note the account. I asked for contact info to report the inquiring company and the fraudulent activity, there the Trans-Union representative stated he knows there is a number I can call but he does n't have the number as this time and that I needed to report the fraud to the company pulling my report. The company listed on my report said they do n't know anything about it and that XXXX is applying for credit in my name. I have called XXXX and they transferred me 5-times and noone there seems to have an answer either! 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Wells Fargo to request XXXX checks be stopped. I made XXXX phone calls to do so on XXXX ; the XXXX was directed to their " Premier '' group due to my account status. That person, XXXX, keep confusing the relevant information for my request ( check number, dates, etc ) while simultaneously emphasizing that if the information was n't exactly perfect, they would ignore my request and process the check. Since the check in question was {$6600.00}, this concerned me greatly. I called again, was somehow not routed to the XXXX and this time reached someone who so clearly was under pressure to reduce her call handle time that she was essentially useless. She seemed concerned only with getting me off the line and finally attempted to do so by telling me that I need to go to the nearest branch. She then attempted to terminate the call. Are n't financial institutions obligated to at least provide basic service such as the processing of stop-pay requests? As a " Premier '' member, a service that I pay for, I would expect better but I would still expect that at the most basic level, they 're legally obligated to provide far more than I received. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Receivables Management Service called XXXX XXXX on XXXX/XXXX/14 at XXXX est. looking for the employee who he alleged owed a medical debt. As he started reading off his scripted I stopped him and told him not to call this place of business again. XXXX called again at XXXX XXXX trying to talk above me when I told him he was now in violation of FDCPA 805 ( 3 ) Communication in connection with deb collector and FDCPA 806 ( 5 ) Harassment. 
I would like to request that the maximum legal proceedings against Receivables Management Service be handed down. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Shellpoint Mortgage Servicing to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make XXXX payments of {$49.00}. 
Resurgent Mortgage sold their debt to Shellpoint Mortage Servicing in XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted Shellpoint in XXXX of this year, XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: problems have never been handled right tired of being treated as anything other than the victim. i opened a business account in XXXX told no fees waiver for 6 months of course the fee was billled every month which meant i was lied toor that red tape won over. all you get from this bank is a reminder of the greedy rules with no accountability of what i endured in terms of my time and other getting feed. when i was not supposed to. now i have an overfradt since i transferred money out to avoid it getting taken when bank keeps applying fee even tho there is supposed to be a waiver. 
its truly uinbeleivable. 
you can cut the greed with a knife. 

Company response: Company chooses not to provide a public response
Consumer complaint: Went to the credit card companies website to make a payment. I submitted the payment and the response from the website was the transaction " timed out '' please visit our site at a later time. I logout out came back, later and tried again. This time the message was, we are experiencing technical difficulties. please try again later. I did and got the same message. When to check my checking account balance and the transaction was posted XXXX times. Called the XXXX number on the back of the card. Operating asked me which of the transfers were to be reversed and I told her the last XXXX. I asked how long it would take to have the funds returned and she said, " depending on the backlog, between XXXX and XXXX days ''. 
I found this situation unacceptable. Want to let other know of the issue I was having. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a car rental reservation on XXXX/XXXX/15 with XXXX XXXX for an upcoming trip on XX/XX/XXXX-XX/XX/XXXX. I paid {$210.00} for the rental. Today I received an Ad from XXXX advertising the same product for the same time period for {$150.00}. I called XXXX XXXX and asked them to please refund the difference. Needless to say I received a run around. I contacted my Credit Card Company to explain the situation and that I would like to use their " City Price Rewind '' benefit. Citi told me that the benefit does n't apply to Car Rentals. My question is why is this purchase any different than any other purchase? It seems to me if a company offers a lower price on an unused product, they should honor their new advertised price. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been trying to short sale our home for XXXX months!!!! CitiBank has been continuously and purposely been delaying their review so they can auction our home off. We and our attorney have continuously submitted EVERYTHING they ask for in a timely manner. It takes Citi weeks to respond to our phone calls and emails and when they do finally respond, they say that what we sent has expired ( because they took too long to respond!!! ) The file is also in homepath because it is a FNMA loan. The file keeps getting closed out of homepath because of Citi 's lack of response. We have a sale date now on Wednesday even though Citi confirmed that they finally had everything they needed to issue an approval on this file after XXXX MONTHS of reviewing it. Citi promised us that this sale date would be cancelled but it is not. PLEASE HELP!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recently checked my transunion credit report and found a collection account listed on my credit report from some company called XXXX XXXX and the supposed creditor is XXXX XXXX. If you google XXXX XXXX this company is a FRAUD. I have had no dealings with such company. I have tried to odispute this with transunion however, they will not allow me to do so online and when I call I first get transferred to some person in XXXX XXXX. When I ask to speak to someone in the US I am left on hold because they claim " they are experiencing higher than normal call volume ''. 

If Transunion is going to allow some company to post a fraudelent account on my credit report they should at least have the decency to give me the opportunity to dispute this incorrect information with someone on the phone or online. They " claim '' that they actually do an investigation but this is a bogus claim. Now I am told by them that I have to file a police report to have this information removed? How about transunion do the right thing and report correct information? 

Company response: Company chooses not to provide a public response
Consumer complaint: The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that BOA entered. I would like this remediated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a few checking accounts at citibank. They are linked. One is supposed to be a charity account. For various reasons I had to downgrade the account to basic package ( I work at a XXXX and they had a special deal with citibank that citibank decided to renege on ). On the phone when I was ordering the account downgrade i asked if i needed to keep their minimum balance in all accounts ( since my charity account is constantly being emptied out for charity ). The rep said on the phone " no, the accounts are linked. as long as the total in all the accounts is over the minimum, there wouldnt be a charge '' ... Sure enough, there was a charge. I 've been wrestling with them for 3 days trying to get them to reverse the charge and standby the statement of their phone rep. They are refusing. 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA FEDERAL SAVINGS BANK. NOW I spoke to them for the very first time back in XX/XX/XXXX regarding several accounts that were open in my name and my own children 's name that I know I did n't authorize to open. They stated back then that it is me I gave the authorization to open the accounts and that all the accounts were negative and I would have to pay the money in order to stay out of the collections department. I told them that this id ID fraud and I did n't authorize you to open these accounts and especially the ones for my children this is ridiculous. They made me pay and later I found out that my parents were the ones that opened the account but I did n't know. I called them back and they said the accounts were closed due to fraud and you can no longer have an account with us. Now on XX/XX/XXXX I called Early Warning Service to get my yearly consumer report and they stated that USAA Bank reported me as suspected fraud on Early Warning Systems and I am on the report for 7 years. What in the XXXX is going on now. How and why was I reported to this service and why. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I disputed a debt with XXXX XXXX and they filed a lawsuit, lawsuit was dismissed by a Maryland State Judge, yet the information is still showing in my credit report. Once a Judge dismissed the case, the debt is over, the Court says I do n't have a to pay it. Further, every XXXX years XXXX has been submitting " write off '' in an attempt to keep the debt active. MY reading of the data on the internet says that this is illegal. I have lost many jobs and Experian, XXXX and XXXX refuse to update this case. This has been going on since 2008! ( Case Dismissal is attached ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested written notification of my husband 's debt and they refused to send it to me. They stated they had already sent it out and they could n't send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok '' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n't send it until the bill was paid off. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX I received the first collection letter from Central Credit Services LLC located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX with the phone ( XXXX ) on behalf of the creditor XXXX XXXX XXXX, for a debth ( {$230.00} ) which I do not recognize and does not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: got a home equity loan in XX/XX/XXXX got pay of balance for my card + husbands at XXXX XXXX, Mailed both checks on about XXXX. The credir card company applied XXXX payments to my husbands account, leaving mine past due and over the limit. I did not discover their error until XXXX at which time I called and inquired about status of card, they finally applied payment to my account on XX/XX/XXXX. They accumulated late fees during that time and now say I owe {$630.00} I have been fighting this for 5 yrs. It is clearly their error. I have receipt of check from bank and statement showing when payoff was applied from XXXX XXXX. I contacted them within 30 days by mail to dispute it but they say they never got letter, so this is on my credit report, I have tried to resolve this matter but the card co. says because I mailed XXXX payments in same envelope is why they applied it to husbands acct. both checks were clearly written with each name and acct # on them. I can not be responsible for their mistake, they have hired collection cos. and when I explain the situation they just say well we are n't going to resume any collection from you, so they hire another XXXX. This is crazy, I told the gentleman last time he called that if Husbands card was over paid by law they were send overpayment to him. Then and only then did the phone calls stop, our bank has been contacted in this matter but does n't seem to want to help even thou they wrote the check. Do n't know what to do at this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted on XXXX/XXXX/2014 by the Medical Business Bureau ( MBB ), a debt collections agency, and was told that I owed a hospital bill for an ER visit to XXXX XXXX 's XXXX XXXX XXXX in XXXX TX for the date of XXXX/XXXX/2014. I was told by MBB that my insurance at the time, XXXX, paid {$110.00} towards this amount and the remaining balance ( {$700.00} ) was my responsibility. When I asked for a bill listing each charge, MBB could not provide it to me and said I should have already received the bill from XXXX XXXX XXXX, the medical billing company that handled separate charges for the ER visit on XXXX/XXXX/2014. When I contacted XXXX XXXX XXXX, they said that the address they received from XXXX XXXX 's XXXX XXXX XXXX, and the address that they sent their separate billing charges to, was also XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tx, XXXX. Still, I must stress that I had not lived at this address for 2 years at the date of service, but they still forwarded the bill to the outdated address. The debt was then sold by XXXX XXXX XXXX to MBB who then contacted me by phone to collect the debt. The amount of the debt XXXX XXXX XXXX said that I owed was {$440.00}, but when they sent my debt to collections ( MBB ), MBB said that I owed {$700.00}. How could I owe MBB {$260.00} more than the debt that XXXX XXXX XXXX said I owed? Was MBB charging interest on the debt that they collected from XXXX XXXX XXXX? 

I contacted XXXX XXXX 's XXXX XXXX XXXX and they admitted that they forwarded the bill to an outdated address. I asked XXXX XXXX 's XXXX XXXX XXXX why they did not contact me by phone, mail, or email to confirm my address for the bill. I know at the date of service that I gave XXXX XXXX 's XXXX XXXX XXXX my most current address, XXXX XXXX XXXX . XXXX . XXXX, XXXX, Tx, XXXX. For some reason, XXXX XXXX 's XXXX XXXX XXXX had XXXX XXXX XXXX. XXXX . XXXX XXXX Tx XXXX on file for my guarantor, my father. When they did the billing for the XXXX/XXXX/14 visit, they sent the bill to an outdated address. This amount in question ( {$700.00} ) should have never gone to a collections agency. I am beyond upset with XXXX XXXX 's XXXX XXXX XXXX for billing me to an outdated address and also upset with XXXX XXXX XXXX for billing to the same outdated address. I have already contacted MBB through a complaint with the XXXX and they are issuing me a refund and closing my account with them, but I am submitting this complaint to make other people aware of the medical billing errors that XXXX XXXX 's XXXX XXXX XXXX and XXXX XXXX XXXX made. A billing error that has caused me months of stress, frustration, and numerous calls of harrassment from MBB to collect this debt. I will not use XXXX XXXX 's XXXX XXXX XXXX XXXX or any affiliate again in the future. I will also post to every consumer protection agency I can about the serious inconvenience that I have had to deal with for the past year. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a report showed in my account regarding XXXXOriginal Creditor for {$1600.00}, i have never been to XXXX XXXX before in my life.I know my green card was stolen sometimes in 2010 

Company response: Company chooses not to provide a public response
Consumer complaint: The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller. 

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