AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received repeated voicemails on my cell phone from a number that just showed up as XXXX and said that i had outstanding debt and needed to call XXXX XXXX at XXXX ext XXXX referencing account # XXXX and Pin # XXXX. 

I called the hospital ( XXXX XXXX in XXXX, VA ) and they said i had no outstanding payments, so i finally called XXXX and told her that. She was able to tell me the name of the doctor i saw in XXXX and said to call them to verify the supposed {$350.00} bill that was outstanding. She also had my home address and did not offer up a website to provide payment when i asked, but instead wanted me to pay online. I called the doctor 's office and they had nothing on file either so i called XXXX one more time and she then gave me the number of the hospital 's supposed billing system ( XXXX ). When i called this number, it was a menu of options with a foreign accent but otherwise official recording that mentioned free online bill pay. When i finally spoke with an agent, I did not give any information, but asked to be transferred to make an appointment ( to test the authenticity of the person ) and they were unable to transfer me. Then I said i did not believe they were who they claimed to be and they quickly hung up. 

Please take action to stop this group from frauding others! It was clearly a sophisticated scheme and they need to be stopped! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This catolog credit company has been giving me the run around about a credit line increase for the past 3 month.they Promise you an increase after 6 consevective on time payment and I have 8 but never come thru. I first requst one on XXXX/XXXX/2015 and never recieved and it been back forth ever since with differnt story everytime I call, all I want is yes or no. They did make an inguiry to tranunion credit reporting XXXX/XXXX/2015. But still no concrete answer from them, I have XXXX other catolog credit card that affiat with them and all have on time payment. XXXX of them did give me a credit line increase, Ginny and Midnight Velvet.please help me out. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Following a payment to avoid foreclosure my statement dated XXXX XXXX 2015 showed a balance due on XXXX of - {$150.00}. The following statement dated XXXX XXXX 2015 shows a past due amount of {$3000.00} and total due of {$5600.00} despite the prior month not having a balance due. Due to this statement error in XXXX, my payments have not been applied correctly, and I am currently showing as 30 days delinquent. 
I contacted the loan servicer when I noticed the error on XXXX XXXX 2015 and was told that they are unable to see the statements and that I must resolve the matter via email. I followed the instructions and sent the email with the attached documents on XXXX. Since then I have not received a communication from the loan servicer regarding a resolution to the matter. I believe a month and a half is more than enough time to get this resolved. 
I called customer service again today regarding the matter and requested to speak to the department noted in the last email as looking into the matter ( payment department ). I was informed that I am unable to speak to someone in that department. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a letter from California tax fanchise board of unpaid state taxes from 2013. I called them and explained I 'm XXXX XXXX military and have been for 22 years. I have not lived in california for 22 years. I am exempt from paying state taxes for Califronia. They admitted it was a error right away and XXXX out the debt. However, the very next day a tax lien hit my credit reports. I have submitted to all XXXX credit reporting sites. The lien is coming back paid BUT will remain on my credit until XXXX. I called the fanchise board to have this removed and was told the XXXX XXXX office wouldd have to remove it. When I called them I was told no the franchise board would be the ones to remove it. The recorders office did say its showing on their end as a error. So why is it on my credit report as a released tax lien. I need help to get this resolved and off my credit reports. Thanks in advance for the help. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX County Reg XXXX. Too old to be on file please delete. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I became behind on my Military Star Card when my XXXX got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment plan for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. 

They claim to have sent notice of the offset XX/XX/XXXX due to them saying I did n't have a payment plan in place, I never received anything or any notice to offset. And I was also on a payment plan of {$200.00} a month at the time up until XXXX XXXX when my payments fell behind and they would no longer work with me due to my job laying me off XX/XX/XXXX. 

After contacting this company repeatedly, and them either hanging up on me or giving me false information as to whom i can contact to help me resolve this issue. I am coming here for help. I was basically told after weeks and weeks of trying to contact this company that they will not give any part of the refund of XXXX that they took from my taxes even if I am in a hardship. They claim that the hardship would only help pay the remaining balance after they collected all of my refund that I desperately need to keep my family a float. After lying to me and telling me that they would help and do what they could after speaking to the higher ups they avoided my calls and when I did finally get a hold of them they claimed sorry there is nothing that they can do and I would be on my own and sorry for any inconvenience. This is not acceptable or even fair! I needed that money to pay rent, my lights and water so they do n't get shut off as well as food for my children and these people just do n't care at all! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been working with SPS on a Deed in Lieu of foreclosure since XX/XX/2015. I signed the intent to vacate agreement on XX/XX/XXXX and vacated the premises on XX/XX/XXXX. As of today, I have not received the Relocation Incentive as promised and noted in the agreement. I continue to get erroneous status updates. The latest is that the check has been issued and is awaiting Manager 's approval. This was the update on XX/XX/XXXX ... .when I called today, they informed me it was manager approved on XX/XX/XXXX but they are unable to tell me when the check will be sent. I am without a place to stay because I have been waiting on the incentive to put down on a new place. I simply need the check to move on with my life. I feel like I am being taken advantage of by the bank since I surrendered and vacated the property on XX/XX/XXXX. I call almost everyday and I get conflicting responses. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I have reached a hardship with are income and we have gone to are creditors to reduce payment by lowering the interest rate. All of them have agreed. Except Bank of America. They have refused to lower the interest and sent me to an outside source who also will not help me.I am XXXX years old and it has very difficult talking to the bank, they have not been helpful, they are confusing and their tactics are intimidating. And extremely disappointing since I have been a customer for over a decade. Their letters are false and deceiving, and they have strung me alonging saying they are here to help. They have destroyed my credit rating, and my XXXX is now in jeopardy. XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a customer of Ditech financial, mortgage company that used to be named Green tree until last fall. This company has very rude CSR and supervisors! This past week, they have charged bank account 3 different mortgage payments!!!!! causing my account to be in the negative ( I NEVER SET UP A AUTOMATIC PAYMENT PLAN )!!!! When speaking to the supervisor " XXXX '' about this issue, she has been VERY rude and flippant about returning my money! I spoke to her on XXXX/XXXX/16 about getting my money back, she told me that she will have a check " cut '' and sent to me " overnighted '' on monday ( XXXX/XXXX/16 and she also stated that she would give a call on monday. I received no call of check. I called julie on XXXX/XXXX/16 about receiving my my she the check was actually " cut on wednsday XXXX/XXXX/16 and sent overnight. I told her I did not get anything from them and i requested a tracking number of the " sent check '' she could not give me the " tracking number " because they are very busy at the end of the month. She told me that I should be receiving the " check " by sat. XXXX/XXXX/16 it is now XXXX/XXXX/16 and no check. I have been calling XXXX all morning with response. I have a feeling i am being robbed and i dont like it! I want my money now! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Yes, several time disputed. 
Creditor have continuosly by error placing my account last two payments delincuent. Payment was delivered on time at creditor drop box. 
Lender start to call about payment, i have visited their facilities and lender agreed their responsability with payment have lost at their facility at their drop box and asked to replace lost payment. 
Payment was never late. 

Company response: Company chooses not to provide a public response
Consumer complaint: Once again I got an email telling me they have fixed the issue. Yet they have screwed it up even more. Now every single account I have had and have with XXXX except the one that was actually discharged, notes that it was discharged in bankruptcy. Even my current 15 year mortgage that I got post bankruptcy says it was discharged. Experian is committing several egregious violations of the FDCPA. If they were actually validating these accounts then XXXX would be telling them the true status. Also on the XXXX XXXX/HELOC for XXXX ( the one that was actually discharged in bankruptcy and the only one that needs to be marked as discharged. ) XXXX still claims a mortgage lien on the property so if they sold it or transferred it as you are insinuating then why does my title say different? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX XXXX XXXX left our home flooded in 6 feets of water for 6 days, whereas 2 feets to XXXX inches came into the house. It cost over 50 % to restore our home. XXXX, refinanced our home so we could pay the contractors. XXXX financing raised our intrest rate 11.9 % on the 1st mortgage and 16 % on the 2nd mortgage. They promised our intrest raters would come back down after 12 months. We never received the promisary letter nor have the intrest rate come down. we have been paying XXXX and XXXX since XXXX XXXX. Our mortgage was sold to GreenTree Mortgage Services and now XX/XX/XXXX Green Tree - Ditecgh a Water company XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have tried every avenue and path to get help with this matter. Our credit at that time was good and we feel that we was taken advantage of during a time of dress. We have a bloom blance coming due XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I DID NOT SIGN ANY LOAN DOCUMENT OR A PIECE OF PAPER FOR REPAYMENT IN RELATION TO ACCOUNT ENDING NUMBER : XXXXSINCE XX/XX/XXXX I PAID OUT MY HOME LOAN WITH INTEREST 4.875 % ALMOST XXXX TO THE DIFFERENT BANKS UNTIL IN XX/XX/XXXX I REQUESTED IN REFINANCING MY HIGH INTEREST RATES FROM HELOC UNDER {$180000.00} TO LOWER OR CUT DOWN AND WE DID NOT RECEIVE ANY NOTICE OR CLOSING STATEMENTS OVER 90 DAYS AND BANK CONSTRUCTED A BAIT AND SWITCH LOAN AS PREDATORY WITH UNCLEAN HANDS AND WE PAID ALMOST {$200000.00} INCLUDING WITH ALL KIND OF FEES AND BANK STATED THAT I STILL OWES THAT OVER {$300000.00} IN ADDITION WITH ILLEGAL ACCUMULATED-INTEREST OF USURIOUS PRACTICES OR UNFAIR DEBT ( IMPOSSIBLE PERFORMANCE ) IN OUR LIFETIME FROM YOUTH TO SENIORNOT ONLY STRIPPED OFF OUR MANY YEARS OF ACCUMULATED-EQUITY BUT ALSO INCREASED INTEREST RATES GOING UP 1 % IN VIOLATION TO TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z WITHOUT OUR CONSENT- THAT IS A SLAVERY OF LOANI WROTE AT LEAST XXXX TO XXXX LETTERS TO COMPLAIN TO BANK FOR SO MANY YEARS BUT BANK ATTEMPTED TO COLLECT UNFAIR OF DEBT AND THREAT THAT LOAN IS IN FORECLOSURE WARNING THAT STATEMENTS MADE ME VERY HARASSMENT OR ABUSE AND I FILED COMPLAINTS TO MANY DEPARTMENTS OF GOVERNMENT SUCH AS CFPB AND DOJ AND STATE BAR OF CALIFORNIA AND XXXX XXXX BAR OF ASSOCIATION BUT BANK DID NOT CARE FROM MY COMPLAINTS AND I FOUND THAT BANK NEVER REPORTED MY HISTORICAL PAYMENTS TO XXXX MAJOR CREDIT BUREAU OVER 6 YEARS IN TRANSACTION IN VIOLATION TO FRCA 

Company response: Company chooses not to provide a public response
Consumer complaint: Multiple issues : LoanCare, a XXXX company which services my home loan failed to provide proper notice and disclosures when they placed their own insurance coverage on my home loan. 

Second, and a more alarming issue is the insurance they placed on my home without proper disclosure has the same coverage I pay for on my own, and there was XXXX % + more per month than my insurance. The insurance company LoanCare chose, and the XXXX times higher than market rate home owners insurance premium resulted in an unnecessary burden on my family. 

If I am experiencing this, this means there are many others out there harmed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i have another name on my account and i have other addresses that i dont live at anymore 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX services continues to report a negative payment history item on my transunion credit report. XXXX XXXX XXXX stated that they informed transunion to remove any negative items from XXXX XXXX thereafter, however when I spoke to a transunion representative she indicated that XXXX stop reporting the item in XXXX XXXX. XXXX XXXX services was not suppose to make any more reporting on credit report once I declared Bankruptcy Back in XXXX XXXX, however they continued report me being over 120 days late on payments. I think transunion had an ovesite of this matter. Also I completed a student loan rehabilation program and all negative items were suppose to be removed from my credit reports by XXXX. The loans are no longer in Default status 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in the process of getting vetted for a teller position at my town 's bank. I 'm in the background check part of the process and received a copy of my background report. On it under public record it lists a case I have no knowledge of and belonging to another family member. I would like this removed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have submitted a complaint once already about shell point mortgage and they responded by sending me a letter saying they received the complaint and were sorry, they said they were looking into the matter and would send me an update on my file asap. I still have not received anything they still wo n't return my phone calls and my home is going to sheriffs sale on XXXX/XXXX/2016 I finally got an e-mail from them last night at XXXX saying that my case was under review and to call with any questions I tried calling anyone I talked to could n't help me they had to transfer me to a specialist who is never there and never returns phone calls now I am down to the last min to get something done and I ca n't do a dam thing because they refuse to do there jobs. ( so much for keeping my home ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They contact an emergency contact name disclosed in my rental agreement 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote to the creditors, Experian, XXXX and XXXX regarding credit inquiries on my credit reports approximately 3 months and I am still waiting to hear from them. I have asked them to provide written proof showing that I authorized XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX to pull my credit. I did not apply for any loans or credit card with these companies. I need these inquires to be removed from my credit report. I will be contacting the State Banking Commission regarding this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: the transion is tacking {$17.00} OUT OF MY CHECKING ACCOUNT FOR THE LAST TWO MONTHS AND IVE NOT GIVING THEY PERMISSON TO.SOME ONE HAS STOLE MY BANK ACCOUNT NO AND GIVE IT TO THEM I WONT THEM TO STOP TACKING THE MONEY OUT MY ACCOUNT 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an item that should have been removed from my Experian credit report. All other credit reporting agencies removed the item after investigating. Experian did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Experian reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items. 

Company response: Company chooses not to provide a public response
Consumer complaint: A review of my credit report has identified a public record dated XXXX/XXXX/XXXX. This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. It is due to be deleted in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America refused to renew a home equity loan that I had had since 2000 because of a fraudulent quit claim deed on my property. While I was in a process of loan modification, they reported me as delinquent to the credit agencies and my score went down significantly and now I ca n't get a home equity loan from another bank. Bank of America will not answer my emails. I have XXXX contacts there but they will not talk to me anymore. I have a detailed letter that I would like to send you but I ca n't see any way to do this on the website. 

FYI. None of the above options accurately identify my problem. You should have a " None of the above '' option. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX Dob XXXX/XXXX/1962 Please remove the security / fraud alert from my credit profile, I never asked you to place this on my credit profile. It is illegal to place things on MY PROFILE WITH MY PERMISTION!!!!! 


XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a collection letter on XXXX XXXX XXXX from Stellar Recovery INC stating that I XXXX to XXXX. I did not receive notice of the right to dispute. I am buying a home and it hit my credit which now has prevented me from buying. I have had the same phone number for three years and when I called and talked to Stellar I spoke with XXXX individuals there. I have the conversation recorded. Both of whom told me that they were not obligated to send out a validation of debt letter. I have not used XXXX XXXX for over 4 years. Had I known that I even owed the debt I would have just paid it but I had no opportunity to even have that option. It hit my credit in XXXX XXXX and then I got the letter stating I owed them money in XXXX XXXX. 

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