AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On my background check report it states that I have a XXXX misdemeanor however, I have never been arrested in my life. This is inaccurate information and I am the victim of identity theft. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a {$500.00} collection on my Transunion credit report which I tried to dispute online but they would not allow the dispute. I do n't know if it was a technical error or they just have it set up so you ca n't dispute which means less work for them. I have tried to get a free copy of my report but they say I cant because I read it online and now they want XXXX per month to do what they are required to by law for no charge. Total ripoff and I 'm XXXX. This is not my account and it is destroying my credit and it is only on Transunion 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello CFPB, I am sending you this dispute as attempt to resolve an alleged debt matter with a collection agency by the name of Commonwealth Financial Systems also known as Northeast Credit & Collect. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX I reviewed my credit report and discovered XXXX accounts reporting from Commonwealth Financial System, The accounts are reporting as follows. 
1. Commonwealth Financial, Account Number XXXX, Balance {$450.00} 2. Commonwealth Financial, Account Number XXXX, Balance {$74.00} 3. Commonwealth Financial, Account Number XXXX, Balance {$990.00} On XXXX XXXX, 2015 I sent a request for validation to Commonwealth Financial Systems requesting for validation. XXXX has passed and I have not received any communication from the collection agency regarding my claim since I discovered the collection items on my credit report and did not receive any initial notices from them regarding any debt being owed. On XXXX XXXX, 2015 I sent a XXXX request for validation via registered mail to Commonwealth Financial Systems which was delivered on XXXX/XXXX/2015 at XXXX XXXX tracking number provided by USPS is XXXX. According to the Fair Debt Collection Practice Act 809 ( b ) the collection agency must provide validation of the debt that they are claiming to be owed. Not only has Commonwealth Financial Systems Failed to notify me of the debt owed. My request for validation has been ignored and they continue to collect on the debt before providing validation by continuing to report this debt to the credit bureaus [ 15 USC 1692g ] 809 ( a ). 
Commonwealth Financial Systems had sufficient amount of time to provide me the validation request. I am requesting that all three of the above accounts be removed from my credit reports with XXXX, XXXX and XXXX XXXX, Failure to remove the accounts I will consult with my attorney for who specializes in suing debt collectors for FDCPA violations. 

Sincerely XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX, and I am experiencing a horrible billing problem for services that were provided to me on XXXX XXXX of this year in XXXX XXXX XXXX facility. First, let me assure that I understand that XXXX XXXX 's outsource the XXXX services and that the billing issue is not directly with the Hospital. 

I walked to the XXXX that day, with pain on my neck after being in a car accident the day before. I fill out my intake sheet completely, providing my address and SSN. A nurse took my vitals, I was checked by a doctor ( I assume ) for less than 5 minutes, and I was given a shot for the pain, being release about 30-40 minutes after my arrival. ( No XXXX, XXXX or any kind of test was performed to me ) On Friday, XXXX XXXX, a little over a month after my XXXX visit, I received a letter from a COLLECTION COMPANY. I called this company and they advised me that if I did not pay immediately {$810.00} dollars they were going to ruin my credit. I was and I am very upset. I did not have the chance to see what I am being charged for. What if there is a mistake? What if they charging me more or for services that were not provided to me? I understand that XXXX services are expensive, but {$810.00} just for the 5 minutes the Dr. saw me seems a lot. I was denied my right to see my bill and my good name is being besmirch unnecessarily. 

I try to contact XXXX XXXX XXXX billing department in XXXX. I have an unpleasant experience talking to a lady that threaten me to make my life a living XXXX If I continued to talk about my situation. The Fair Debt Collection Practices Act, has been violated, and I am really concern how this is going to affect my credit. The person I spoke to from XXXX billing in XXXX told me that all this happen because XXXX XXXX 's did not provide my information. 

Why XXXX XXXX 's did not supply my information? What happen with that paperwork that I filled out? Is there a chance that a person have access to my name, address, SSN, and other personal information? I am so scared, Identity theft is a really looming problem to me right now. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX 2014, my purse was stolen from my car in XXXX, XXXX. I called XXXX XXXX right after the incident to inform them my wallet with debit card, credit card and photo ID was stolen. However, they let the person/people that stole my purse cash checks on my name in another state a couple of days later. My account was frozen until the case was resolve XXXX months later. Because the process took so long and the bad service at XXXX XXXX, I decided to move my account to XXXX XXXX in XXXX. Recently, I moved to XXXX where XXXX XXXX is not available and also got married, I 've tried to open another checkings account in a local bank but i 'm not allowed. Also, I tried to open an join account in XXXX with my husband, who is a XXXX costumer, but I ca n't do either because XXXX XXXX let someone steal from my account twice even though I called and cancelled everything. They even let it overdraft by thousands of dollars. I have the police report which states someone broke into my car, I even have the receipt from my cars repair. I have excellent credit. However, I not allowed to open a checkings account because of XXXX XXXX 's incompetence. To this day I do n't understand how XXXX XXXX let this happen. Who cashes checks for XXXX in a different state after they called a few days before to inform the bank about a robbery. On top of stealing from a client then they do n't let people bank with anyone else. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently opened a new XXXX XXXX credit card with Citibank.This was a promotion offered by Citi/XXXX XXXX in their online reservation payment area. I was able to charge a flight immediately on the card, as they gave me temporary information on the telephone when I signed up. 
Yesterday, XXXX XXXX, 2016, I received the card and immediately logged into their online system ( which I was unable to do with the temporary information they provided at signup ). The Citibank website informed me that my statement had closed on XXXX XXXX and the amount was due on XXXX XXXX. I had not received a statement in the mail ( it arrived today- XXXX XXXX ) and it is not yet available on the website. 
It is my understanding that a customer is entitled to 21 days to review their statement, but I was not provided this. ( 21 days from today is XXXX XXXX. ). I contacted Citi by chat and message, but they refuse to allow me the full 21 days and simply reply with their scripts. I believe that their failure to provide me with the full 21 day grace period should result in them moving the charges to the next statement and resulting due date. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am being harassed by robocalls from Central Credit Services LLC. I receive robocalls to my cell phone and now at my workplace landline number- at any hour of the day including Sundays. I asked this company to stop calling my workplace phone number in 2014- the representative has not honored that request, and the harassment continues. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a Care Credit Card. I have called the company several different times since 2012. I had a XXXX and was late on some of my payments. I called them to find out what options I had to get back on track since I was off work going back and forth to doctors to see what exactly was wrong with me. It took a year to find out that I had actually had XXXX strokes. In this time frame, I was not using the card for my doctor bills because I have insurance. But to make a long story short, I have paid all my promotional balances off according to my online statement. Today I called them and the representative tried to tell me I have an old promotional balance of like {$4.00} and then something about a balance of {$200.00} that is being charged interest. There is no open balances on my statement. The total amount of {$2200.00} is marked as unpromotional balance - which means interest on top of interest. No one can explain any of this to me. I have not been able to get anyone to help me resolve this issue since 2012. I am at my wits end to get this resolved. I do n't feel like I owe this but when I spoke to a representative and tried to get help I was informed by him that his supervisor told me to call XXXX. I called that number and it is to a debt collection agency or company to like consolidate debt and get on a monthly payment plan or something. I just want every one else that is considering getting a Care Credit Card to refrain from doing so. It is definitely not a reputable company. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have taken an auto loan, but it is being shown as other loan in my credit report. which might impact my final credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX 2016 I applied for a loan ( mortgage ) from the XXXX XXXX XXXX XXXX ( XXXX ). 
After processing my loan application, XXXX notified me that Experian Credit Bureau had declared me deceased, and further action on my application is denied, until I personally cause Experian to correct this false report of my death. 
. In accordance with guidance at XXXX I sent Experian, via certified mail, USPSXXXX, a letter, enclosing a notarized statement, attesting to the fact I am alive and well. I asked for correction of the false information, promulgated by Experian, and the identification of the source of that information. Please note, of the XXXX reporting credit bureaus, Experian was the only XXXX reporting false information Experian signed for the letter XXXX XXXX, 2016. As of this date, XXXX XXXX 2016, I have received no reply from Experian. 
The false reporting by Experian, and their lack of response, now after approximately forty-nine days, has caused me great inconvenience, worry, and financial hardship, I have asked Experian to do only XXXX things ; correct the false information and furnish me the original source of the false information so I may take action at the source to correct the record. in this matter. 

Request action to correct Experian false reporting, Sincerely, XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender reported to credit bureaus that my XXXX 2016 payment was greater than 30 days past due. This is inaccurate at XXXX 2016 had XXXX less day due to leap year. Payment due date was XXXX XXXX. Delinquency clock starts XXXX XXXX and the payment processed on XXXX XXXX - day XXXX. My credit score dropped XXXX points due to this inaccurate reporting. Spoke with the Lender and they suggested I dispute it with the credit bureaus - which I have done. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/2015, my PCP sent me for an XXXX. Because I am XXXX and on a fixed income, I checked my copy of the XXXX Medicare Benefits Summary of Benefits ( under Sect XXXX XXXX, and I inquired about the cost of this with XXXX Customer Service, the XXXX Hospital, and the office where the XXXX was performed. They said no fees. I now have XXXX rounds of bills, XXXX unanswered " grievance & appeals '' to XXXX XXXX, and a 30 day notice from a collection agency. For the 3rd time, I gathered up my letters, their letters, the bills, etc. I will upload these which will explain details. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed a XXXX XXXX late payment ' report to XXXX. Merchant ( Samtander ) replied to dispute by reporting an XXXX pmt previously shown as paid on time now reported as also late. XXXX DID NOT question Santander 's STUPID response. They imply passed to me the dispute as resolved in the merchant 's favor. ASININE! ( Got ta love Credit Bureaus who 'rubber stamp ' merchants ' replies! ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My wife & I are getting ready to apply for a home loan. 
Our lender told me that her reporting bureau CREDCO is showing a {$570.00} outstanding debt collection on my information & social security number from XXXX XXXX. 
We are current XXXX customers have been since the XXXX bill is current as usual. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello I recently submitted a request to Trans Union in XXXX 2016 to delete an account that was a result of Identity Theft. They have not removed it and I am writing another letter for them to either delete the item or provide there method of verification. I thought that they were suppose to remove it within 4 days of receiving my letter. I do n't think this is fair. This negative item is making it hard for me and effecting my life adversely. I need your assistance in removing this item from my credit report with Trans Union immediately. Thank You XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I lost my job about two months ago and my Macy 's bill was due XXXX/XXXX/16. Today is XXXX/XXXX/16 and a bill collecting agency called me twice today. Once at XXXX XXXX and the other at XXXX XXXX, both times I was at my current place of employment. I have NEVER been late on any of my payments. I did have XXXX slip up on my first payment where me being a teenager I sent them my debit card number instead of my routing number and they returned my payment. After that I personally drive about XXXX-XXXX miles to go pay my Macy 's bill and this is how I get treated after not even a week of being late. FOOLISHNESS! I 've worked 3 weeks in the hole at my new job and my check has n't come in the mail. I ca n't give them money I do not have!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was contacted by Linebarger Goggan Blair & Sampson , LLP numerous times to collect debt for an XXXX violation. This violation was paid on XXXX XXXX, 2016 through the NY XXXX website. The last notice to collect this debt was sent to me on XXXX XXXX, 2016. I tried to contact them by e-mail and phone to resolve this issue and got no response. 

I would appreciate if you could please investigate this further. 

Thank you. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I had a modification over 2 years ago. It was plagued with misapplied funds, inconsistent record keeping, and a price increase in violation of our signed modification agreement. After falling into a difficult financial period, Wells Fargo offered me the opportunity to submit another modification request, full well knowing I had a prior modification. After 2 months of gathering & submitting all documents to their satisfaction, I was told by preservation specialist XXXX XXXX that they can not even consider looking at my documents because my prior modification appears to have been less than 2 years ago. She would not provide actual dates, explanation as to why Wells Fargo went though the extensive document gathering process, or what the guideline is that I do not meet the qualification for. I was initially told there were various options, including allocating past-due payments to the back of the loan. My payment increased {$150.00}. per month above the agreed upon modification schedule after only 1 year, greater than the rate reduction I received per month. My interest rate went up, not down, during the initial modification process. I do not believe any of these manipulative tactics are legal according to XXXX guidelines. Please assist. 

Company response: Company chooses not to provide a public response
Consumer complaint: Went through a company called Mortgage Lenders of America LLC. We listened to the lady on how we were going to set a plan to fix the credit score. So we paid off all our debt. First mistake in which she admitted to was that she ran my credit too many times and without authorization. Final result in my family losing the house we wanted and right before XXXX. I tried calling multiple times as did my realator and this company will not return any calls. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have had a loan with AIM since 2010, I have been paying twice a month all along. Well I am getting documents together for the sale of this property, and I find out that AIM has been keeping my first monthly payment in a non-interest bearing account until the second payment comes in and applying it all at once. I received absolutely NO benefit from paying twice a month like I expected. 

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