AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was late paying my timeshare maintenance fees, for the XXXX of 2015, and it was sent to collection in XXXX 2015. I paid the collection agency in full, and verified with them that I was paid in full, however they failed to return my account to the original creditor, and instead kept my account open so that the original creditor never knew to bill me for the XXXX of 2015. So neither the original creditor nor the collection agency have sent me anything in writing notifying me of the debt, but instead have made phone calls harassing my elderly parents on their home phone number thrice in the past week. Once by automated robot system, and twice by a live representative from the collection agency sharing my personal information on their answering machine. I just want to pay what I owe to the original creditor, as my account should have been generating bills from them, which they never sent to me, and not the extra erroneous charges by the collection agency, who is acting in an illegal manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX, XXXX. saying they 're collecting a debt for {$160.00} that was acquired by XXXX XXXX XXXX. The letter also mentioned XXXX XXXX as XXXX. I have n't been in XXXX XXXX for more than 15 years but I called and made sure I did n't have any open accounts with them. I also replied to XXXX XXXX XXXX XXXX XXXX that the debt is unfounded and they replied back that the account has been closed. 

Today I received another debt collection letter from Common Wealth Financial Systems saying they 're collecting a debt for {$150.00} that was acquired by XXXX XXXX XXXX. 

It seems that XXXX XXXX XXXX. is selling bad/unfounded debts to debt collectors. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an email from Wells Fargo that misrepresented that I called about or applied for a credit card through Wells Fargo. I have a mortgage with Wells Fargo, but because I had never made the phone call about a credit card ( or at all recently ), I assumed that someone was trying to open a credit card using my personal information. For fear that my identity was being stolen, I called Wells Fargo to determine whether there was an application for a credit card, or any other product associated with the Company. There was not. This email is predatory and misleading. I have spent my entire morning during working hours trying to determine whether someone opened a credit card in my name, whether my identity was stolen, and who I would need to contact to file a complaint, etc. This should cease immediately. I called consumer finance gov about this when I received the email and the reference number is XXXX. 

This is the email : " Thank you for your interest in a Wells Fargo Credit Card. 
THANKS FOR YOUR RECENT CALL Here 's more information about accessing your current credit card offer Dear REDACTED, As a follow-up to our recent conversation, we want to make sure you have information on your current offer. Sign on to check your offer and complete your secure, prefilled application. 

From earning rewards currency on everyday purchases, * to getting discounts on dining, to booking preferred travel, there 's a Wells Fargo Credit Card that can help you make the most of your purchases and your passions. 

* Rewards currency is earned on net purchases ( purchases minus returns/credits ) only. Monthly or annual rewards program fees, cash advances of any kind, balance transfers, SUPERCHECKS, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company in question : ProCollect Inc, XXXX. XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX I have been called continuously to provide credit/debit card information. I have been making payments through money orders and XXXX. This company had tried to collect a debt that I owe to an apartment complex. When first contacted about the debt by XXXX XXXX ext. XXXX, i was immediately asked to provide debit/credit card information to make payments on the amount owed. After I declined to provided said information, it was agreed upon that I would be able to make payments via money order or XXXX. On XXXX XXXX, 2015, I sent a money order in the amount of {$100.00} dollars which they received and cashed. 
Nearly a week later, I was contacted by a different representative and asked again for credit or debit card information to make a payment. I again declined to provided that information for my next payment. On XXXX XXXX, I mailed in another payment for {$100.00} which was cashed on XXXX XXXX a week later, I was contacted again by XXXX XXXX asking for credit/debit card information and my next payment. XXXX XXXX alleges that they did not received the payment that was cashed on XXXX XXXX. I sent in proof of payment and asked her why I have note been receiving monthly statements of my owed balance after making payments. She simply brushed me off. In frustration, I asked if there was another way that I could provide payment without putting a card on file. XXXX XXXX and I agreed that sending a XXXX would suffice since they are affiliated. On the same day of our conversation ( XXXX XXXX ), I sent a XXXX with XXXX XXXX on the phone and verified the reference number for my payment. XXXX XXXX verified that the payment would be processed. Again, I asked her again about receiving a monthly statement in the mail. XXXX XXXX stated that they are not " obligated '' to provide me with a statement. A week later, I received yet another phone call from yet another representative again asking for credit/debit card information to provide payment. This representative even asked me to pay the balance in full during this call. Again in refused to put a card on file and ended the call. Ever since, I have been receiving phone calls XXXX times weekly asking for a credit card. I have never dealt with any debtor who refuses and declines my request for a monthly statement and refuse to send any more payments until I know that this is a legit and legal company collecting my payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX IS REPORTING AN AMOUNT ON ALL XXXX OF MY CREDIT REPORTS THAT DO NOT BELONG TO ME. THE AMOUNT THAT THEY ARE REPORTING IS FOR $XXXX. I HAVE CONTACTED THEM SEVERAL TIMES REGARDING THIS MATTER AND EACH TIME THEY CLAIM THEY ARE WORKING ON IT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT. THE LAST DATE I SPOKE WITH THEM WAS XX/XX/2015, WHILE I WAS MEETING WITH MY FINANCIAL COUNSELOR. AGAIN, THEY PROMISED ME THAT WITHIN THE NEXT 30 DAYS IT WOULD BE REMOVED. MY COUNSELOR PULLED MY EXPERIAN CREDIT REPORT TODAY, XX/XX/2015, AND THE ACCOUNT IS STILL SHOWING ON MY REPORT. PLEASE HELP ME GET THIS ITEM REMOVED AS IT DOES NOT BELONG TO ME.
Company response: Company chooses not to provide a public response
Consumer complaint: Case # XXXX - continued I did not find a place on the original complaint to add more information. Today I received a package of the same XXXX that BOA posted on this site. The letter still does not tell me why I do not qualify for a HARP. It states that " the mortgage loan account is not eligible for the HARP due to program guidelines due to the previously implemented loan modification. '' On the XXXX website there is a quiz with the following questions : 1. My loan closed on or before XXXX XXXX, XXXX? 
My Answer : Loan closed XXXX XXXX, XXXX. The XXXX website says that based on this date, I am eligible. 
2. I have little or no equity in my home? 
( My Loan-to-Value ( LTV ) is greater than 80 % ) My Answer : Yes. 
3. I have had a good payment history on my mortgage for the past 12 months? 
My Answer : Current since XXXX XXXX ( 4 years ) 4. This is my first time refinancing with HARP? 
My Answer : Yes Link to site : XXXX The BOA website lists the HARP requirements as follows : " You may be eligible to refinance your home loan under the Home Affordable Refinance program ( HARP ), if : 1. Your home loan is owned by XXXX or XXXX XXXX My Answer : XXXX 2. Your loan was sold to XXXX or XXXX XXXX on or before XXXX XXXX, XXXX My Answer : XXXX XXXX XXXX XXXX, XXXX XXXX 3. You 're current on your mortgage payments My Answer : Current since XXXX XXXX 4. Within the past twelve months, you 've been more than 30 days late with your payment only once. 
My Answer : Current since XXXX XXXX XXXX. Within the six months immediately before you apply for your refinance, you 've not been 30 days or more late with your payment My Answer : Current since XXXX XXXX Here is a link to the site XXXX I again ask the following : 1. Where does it say that I do not qualify based on the guidelines listed on XXXX the websites of BOA and XXXX? 
2. Please tell me what those guidelines are, in writing. 
3. Why were we steered in subprime mortgages with credit scores in the outstanding range and a {$10000.00} down payment? Is n't this fraud? 
4. Am I being denied a loan refinance because I am XXXX? 
There are no guidelines that I can find which state the reasons why I am not eligible to refinance under HARP. No where does it state that " if I had a modification granted, I become ineligible for a HARP. '' If there is documentation stating the aforementioned quote, please provide it to me. My original modification was not a HAMP, but a bank proprietary modification. Based on the HARP guidelines listed on both BOA and XXXX websites, I am eligible. Please provide me with the answers to the above questions in writing. I am a responsible hard working tax payer and I am not giving up on this until I get truthful and legitimate answers to my questions in writing. If BOA is telling the truth, why is it so hard for BOA to put the reasons for my disqualification in writing? 

Company response: Company chooses not to provide a public response
Consumer complaint: Mohela XXXX has called repeatedly. Finally, on XXXX XXXX, 2015, at XXXX XXXX they called and left a voice mail and I returned their call. They were trying to collect a debt from someone with the same last name. I gave what information I had and asked them not to call me again. Again on XXXX/XXXX/2015 at XXXX XXXX, they called and hung up when I answered. On XXXX XXXX, 2015, I phoned them at XXXX and requested that they refrain from calling me after XXXX XXXX and refrain from calling me at all in reference to the debt which I am not a party to. They informed me that they could do neither without receipt of a " cease and desist '' letter from me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Kay Jewlers are reporting information in my name to the credit reporting agency XXXX without ever sending me any type of communication that a debt was to be paid or owed to them i was a victim of fraud never even knew this account existed intill seeing it reported to my credit report when i reached out to the collection company they told me the company was out of business and that they didnt have any information for me or about any money that was owed. I asked them to remove the information on several occaisions or provide me some type of proof that the information indeed belong to me. there is no dates opened or how the account was created reporting to my file.violating my rights that protect me as a consumer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: AS REFERENCED IN SPS ' RESPONSE TO MY PRIOR CFPB COMPLAINT # XXXX, SPS STATED THAT THEY INFORMED ME AS TO WHY THE HIGHER CONTRACTUAL PAYMENT WAS DRAFTED HOWEVER SPS DID NOT DISCLOSE OR EXPLAIN WHY THEY ASKED ME TO ALSO MAKE CHECK PAYMENTS WHEN THEY WERE AUTODRAFTING MY ACCOUNT PER THEIR DOCUMENTATION RECEIVED BY ME IN MID XXXX XXXX WITH MY LOAN MODIFICATION PAPERWORK. 

IT IS NOT BECAUSE SPS AUTODRAFTED ME THAT I INCURRED BANK FEES, IT IS BECAUSE SPS AUTODRAFTED FOR A CONSIDERABLY HIGHER AMOUNT AND ALSO REQUESTED THAT I COMPLETE AUTODRAFT PAPERWORK TO REINSTITUTE AUTODRAFTS AND MAKE CHECK PAYMENTS IN THE INTERIM TO ENSURE MY ACCOUNTS REMAINED CURRENT, TO WHICH I WAS OVERCHARGED AND INCURRED BANK FEES OF {$110.00} FOR DUPLICATE CHECK PAYMENTS ( AS I WAS NOT AWARE THAT SPS WAS CONTINUING WITH MY ORIGINAL AUTODRAFT SET-UP WHEN MY ACCOUNTS ORIGINALLY TRANSFERRED TO THEM IN XXXX ). 

AS PART OF THE LOAN MODIFICATION PROCESS, SPS HAD STATED TO ME ON SEVERAL OCCASSIONS THAT THE AUTODRAFT PROCESS WOULD HAVE TO BE SET-UP AGAIN ONCE THE MODIFICATION WAS FINALIZED. YOU CAN IMAGINE HOW UPSET I WAS AFTER A LENGTHY MODIFICATION PROCESS WHERE THE SAME DOCUMENTS HAD TO BE SUBMITTED 5-6 TIMES BEFORE THEY COULD FINALLY GET THE MODIFICATION GOING, TO THEN HAVE THEM FINALLY FINISH IT 6+ MONTHS LATER BY SIGNIFICANTLY OVERCHARGING MY BANK ACCOUNT, CONTINUING TO PROCESS CHECKS - NOT ONCE, BUT TWICE EVEN AFTER I NOTIFIED THEM OF THEIR ERROR, REFUSE TO APPLY THE OVERPAYMENT TO MY ACCOUNTS APPROPRIATELY ( AT LEAST FOR ANOTHER THREE MONTHS ), REFUSE TO CREDIT ME THE {$110.00} IN BANK FEES, AND THEN START REPORTING DELINQUENCY ON MY ACCOUNTS AS A RESULT, DESPITE MY ORIGINAL REQUESTS FOR CORRECTION IN XXXX XXXX AND CONTINUALLY REQUESTED BY ME EACH MONTH UNTIL I STARTED FILING COMPLAINTS THROUGH CFPB IN XXXX XXXX ... THERE WOULD HAVE BEEN NO FURTHER DISPUTE, NO FRAUDLENT CREDIT BUREAU REPORTING, ETC. 

THE FINAL CORRECTION DEMANDED BASED UPON SPS ' ERROR IN XXXX XXXX, IS THAT MY CREDIT WORTHINESS BE RESTORED AND THE LATE REPORTINGS TO THE CREDIT BUREAUS FOR THE MONTHS OF XXXX, XXXX, XXXX XXXX BE CORRECTED. SPS HAS ALREADY CORRECTED THE PRIOR MONTHS CREDIT REPORTINGS TO THE BUREAUS FOR THE PREVIOUS MONTHS IN THEIR RESPONSE TO MY CFPB COMPLAINT NUMBER XXXX. THEY SHOULD HAVE CORRECTED THESE THREE MONTHS AS WELL AT THAT TIME, BUT THEY CONTINUE TO CONDUCT THEIR BUSINESS IN A DISHONEST FASHION, DEFRAUDING CONSUMERS OF THEIR RIGHTS. I FOLLOWED UP WITH THEM VIA TELEPHONE SEEKING AN AGAIN TO ACHIEVE AN AMICABLE SOLUTION AND NOT INVOLVE OUTSIDE PARTIES, HOWEVER, SPS LEAVES ME NO OTHER RECOURSE BUT TO CONTINUE MY COMPLAINT THROUGH CFPB. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On or about XXXX XXXX, XXXX I contacted XXXX XXXX at Summit Financial to verbally advise that I was voluntarily surrendering the XXXX XXXX XXXX. XXXX XXXX stated that it was the holidays and that no one was available to pick the vehicle up. I advised XXXX XXXX I was able to take the vehicle back to XXXX XXXX, he told me that I was not able to do so. XXXX XXXX advised that a representative would contact me at the phone number provided to schedule a time to pick up the vehicle. I received no contact from said person, XXXX XXXX received a call on XXXX/XXXX/XXXX from a woman calling from XXXX stating that they were issuing an enforceable warrant for my arrest but did not say for what reason or why. I called on XXXX/XXXX/XXXX at XXXX XXXX and spoke with an individual named XXXX XXXX XXXX whom stated that she was from the enforceable warrant reporting/processing office. XXXX XXXX advised she saw in the notes that someone spoke with me stating I was voluntarily surrendering the vehicle but that they were headed to court this afternoon to place a warrant for my arrest for not surrendering the vehicle. I advised her that I had not received a call from anyone stating they were ready to get the vehicle and that I had no problem with them getting the vehicle. She advised that I leave the key in the vehicle and the car unlocked so someone was able to come get the vehicle as long as it was not in a gated community. I advised her that I was not comfortable with that, that I wanted to be there and receive something in writing stating that they have secured the vehicle. She stated that Summitt Financial is a large company and that I would receive something in the mail 10 days later stating that I could pay off the debt to retrieve the vehicle or advise me of the debt which was owed. I advised her that I was currently out of town but the vehicle was at the residence which was listed on contract. She stated that they had to obtain the key, I advised them to tow the vehicle. She threatened to have me arrested and a warrant issued. I advised her that what she was doing was against debt collection practices and that she had no right to tell anyone that a warrant was going to be issued nor should I be penalized nor threatened with a warrant because Summitt Financial failed to contact me to schedule a pick up time. I have the emails and I am able to obtain records of my phone log to prove that I have initiated contact with the company to secure the vehicle almost 30 days ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian never provides free credit report over the online system XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I mailed a payment to the XXXX XXXX which presented to my checking account on XXXX/XXXX/15. XXXX/XXXX/15 I filed for bankruptcy this account was not included, because of this my insurance paid off the balance of my account causing an over payment. XXXX/XXXX/15 I requested to have the over payment returned, that request was not processed. XXXX/XXXX/15 second request for over payment started this was completed. XXXX/XXXX/15 I received my check and I deposited it on XXXX/XXXX/15 to my account. XXXX/XXXX/15 the check was returned unpaid as unauthorized. My checking account was then charged a {$20.00} fee for a {$25.00} check. I am not out {$45.00} instead of just {$25.00}. XXXX/XXXX/15 I contacted customer service to XXXX for a replacement of funds, they stated someone would contact me back and they would find out why the check returned. XXXX/XXXX/15 I have yet to receive a call back. I have contacted this customer service almost on a daily bases and either the call is dropped or they tell me a supervisor will call back in 24 business hours and yet I have not receive a call or my money. I have requested the telephone number to the corporate office and have been told there is no number. I checked on line found a number that is just a series of voice recording information. 

Company response: Company chooses not to provide a public response
Consumer complaint: We refinanced our home to pay off some credit cards. A check was mailed to Citi Cards with the payment coupon sheet in the amount of {$9500.00}. Citi did not post the payment. After two full weeks, I contacted Citi and presented the paid canceled check from XXXX XXXX company. I was promised the funds would be applied to my account within 48 hours on XXXX XXXX, 2015. It is now XXXX XXXX with no funds posted to the account. I have called and spoke to multiple account supervisors and the funds are always 2 to 3 days from being posted. They have the payment and have refused to post it in a prompt manner. Let others take note that Citi can not or will not post payments promptly. I will never recommend this card to a friend. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX for XXXX, XXXX XXXX XXXX and working with a homeowner, XXXX and XXXX XXXX. They have submitted a hardship package, paid XXXX consecutive TPP and awaiting the decision from their mortgage company, Wells Fargo. The client called in on XXXX XXXX to check on the progress of their modification and were told that no information could be given, a new representative was assigned, the loan was in " litigation '', and the only person who give them information was the attorney. Wells Fargo would not give the homeowner the phone number to call the attorney. The attorney was supposed to call the homeowner. On XXXX XXXX, the client came in to see me XXXX XXXX ). I called and was told that the loan was in litigation and Wells Fargo could not give out information. All information had to come from the attorney. When we reminded the representative, that the homeowner had requested the attorney call him per Wells Fargo procedure, and he had not received a call back, the representative sent and email and informed us that the required 48 hours had not passed. The homeowner came back in on the XXXX to follow up with me as I would assume the homeowner would have received a call from the attorney by now, the attorney NEVER called the homeowner and now there 's no reason to speak with the attorney since the loan is going back to the home ownership preservation department. Someone, again, is supposed to call the homeowner from this preservation department within the next 48 hours. We asked for a phone number for the home preservation department and she would not give ' this phone number to the homeowner to call Wells Fargo. Homeowner must wait for someone from Wells Fargo to call them. 
The homeowner 's application has never been denied. The homeowner is very concerned about the litigation. Is this dual tracking as Wells Fargo has the loan in litigation while still working the loan for a modification. 
The homeowners are very very concerned and upset that their loan is with attorney and can get no information on their loan while it is in litigation. 
My complaints are that the loan first went into litigation when the homeowners have an active application for a modification. 
And secondly, there is a time where the homeowner could NOT receive information on their loan. And, thirdly, there will be a third Point of Contact assigned to this XXXX application for assistance. 
The homeowner was XXXX payments behind when they started this process. They have been Wells Fargo customers for over 15 years. They experience XXXX hardship and now feel that they are not treated well. I am just trying to help Wells Fargo understand how this process is making the homeowner feel = ca n't trust them, are n't being treated well due to their hardship ... .Remember the homeowners are doing what Wells Fargo instructed them to do in their hardship situation. 
They feel like they are being treated differently and treated as if you are not as worthy as customers paying on time. Remember they are making the payments as instructed by Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my mortgage with AmeriSave back in XXXX 2015. At the time, they promised me a {$400.00} refund of my home appraisal fee. I have yet to see any of that money. My attempts to reconcile the issue have been ignored by the people in charge. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: On or about XXXX/XXXX/16, XXXX XXXX from Aldon & Associates contacted my aunt XXXX XXXX by phone stating that they were looking for me for a legal case # XXXX. XXXX XXXX has never been listed on any application I have submitted. This creditor is randomly contacting individuals with the last name XXXX disclosing personal information relating to a debt I do not know about. She resides in XXXX, MO and I have not lived in XXXX in over 12 years. Furthermore, XXXX XXXX is a mental health patient whom suffers from XXXX, XXXX and has a XXXX issues. XXXX XXXX contacting her has caused her to have a XXXX and she was XXXX on XXXX/XXXX/16 because of the threatening nature of the call which set her off on worrying that there was a legal case pending against me. On XXXX/XXXX/16, XXXX XXXX received a call from the same company but from a XXXX telephone number but they left the same XXXX number for me to contact them. They are operating outside of FTC guidelines for debt collection practices and disclosing personal information to individuals that they are not legally authorized to do so. 

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