AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: When I called Social Security to secure an online account with them, they told me my information did not match what Experian had reported so I could not have an account. When I received my credit report from Experian, I found no problem. When I called Experian they said it was because my information had been merged previously with another creditor and when that happens Social Security will not give me an account unless I spend XXXX hours going to the Social Security office. 

It is ridiculous that I should spend XXXX hours ( 1 hour each way and XXXX hours waiting to get an appointment ) in order to straighten out a mistake the credit bureau made. Could you please look into this? Other people surely have the same problem because the credit bureaus are so fouled up. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has contacted me several times seeking someone else who I have no contact with. I have asked repeated to be taken off their call list but they continue to call me. I spoke this last time to a dawn XXXX/XXXX/2015. I will be filing a harassment lawsuit for calling me the company stated their name is Diversified adjustment services Number XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I filed bankruptcy in 2012. The house was not included in the bankruptcy. I tried to explain to Bank of America that I paid all of my payments and the house was not included in the bankruptcy. Every time I tried to resolve this, they called me a bankrupt person and they took my house and wrote it off as a loss and put it on my credit report. I paid all of my payments and had never been late on a payment. I am enclosing all of my documents that show this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Financial Asset management systems ( FAMS ) has steadfastedly refused to provide me a detailed balance statement on my account. In addition, FAMS does not have a contract with me to collect student loan payments from me. FAMS is engaging in illegal and abusive debt collection practices. The only rationale that I keep receiving on why my balance jumped from {$24000.00} to {$66000.00} is " interest. '' " Interest '' is not a sufficient explanation. I never received a detailed balance statement as to how this occurred and how this new balance was calculated. FAMS is trying to Collect on a balance that has not been shown to be correct which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS is engaging in unfair business practices. I have not been shown where my debt payments are being applied to. In addition, my credit report has not been updated to repayment status as I was originally told by FAMS. FAMS has repeatedly threatened me, and has engaged in abusive debt collection practices including hanging up on me and repeated threats that are in flagrant violation of the Fair Debt Collections Practices Act. Their lies regarding updating my credit report to repayment status after XXXX payments which never happened were flagrant violations of the Fair Debt Collections Practices Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX.com like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do one every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the first time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each one, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the first time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all three bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a checking account with wells Fargo that was in the negative for 6 weeks after I continually asked Wells Fargo to refund some of the NSF charges that they charged me, which was XXXX. They refunded XXXX, I expressed me begin a valued customer and I am interested in bring my account in the positive could they refund XXXX more fee. I had originally asked for XXXX, but they only refunded XXXX. So I continually asked for XXXX more. They said no. After my account being in the negative 6 week. They took money from my other checking account without my authorization to clear the negative balance in the other checking account I have with them. The complaints I have is that Wells Fargo was not welling to refund XXXX more fee, which financially would have made me able to settle the negative amount. The other complaint is they took money from my account without my authorization. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian shows charge off as status every month for XXXX months. Should only report as charge-off for XXXX month. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. I do not owe a debt to American Accounts Advisors. I have repeatedly received phone calls from debt collectors from American Accounts Advisors who has harassed, verbally abused and threaten me with arrest and wage garnishment. American Accounts Advisors in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am pregnant with my XXXX child. Obviously medical bills pile up. This is compounded by the fact that if you get behind by 1 day they send you to collection. Then you have to deal with the stress of a collection agency while still maintaining your payments on other bills. 

This debt was sent to collection in error. I spoke with XXXX XXXX who apologized and stated it would be removed. However, on XXXX/XXXX/2015 i get a XXXX demand letter to pay this debt. In bold letters stating DUE BY XXXX/XXXX/2015. i repeatedly get calls but they never leave a message. XXXX 

Additionally, they try to trick you into going to their website XXXX XXXX how professional is that website? ) in order to get the link to get your free copy of your credit report. Talk about being an Unfair, Deceptive, Abusive Practice. Fortunately i am an informed consumer who knows the website is XXXX. I feel sorry for those who are elderly and are tricked into whatever scam they have waiting for them on that site. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The case is centered on the bank refusal to honore our TILA rescission. For over five years we 've been fighting them in their attempts to take our home. 
We initially purchased our homestead property on XXXX XXXX, XXXX from XXXX XXXX with a XXXX mortgage and a XXXX mortgage. We subsequently consolidated the XXXX loans on XXXX XXXX, XXXX and took a new mortgage with a different " lender '' called XXXX. On XXXX XXXX, XXXX, Florida XXXX XXXX XXXX XXXX terminated XXXX XXXX XXXX ( " XXXX '' ) mortgage lending license due to questionable lending activities ( Exhibit-XXXX ). On XXXX XXXX, XXXX, after discovering irregularities in our mortgage loan we rescinded our loan by notifying XXXX and BankUnited XXXX via certified mails with return receipt requested ( Exhibit-XXXX ). Neither XXXX nor BankUnited XXXX/BankUnited N.A. responded to the letter of rescission. 
On XXXX XXXX, XXXX, based on our rescission, we filed our quiet title action in XXXX XXXX, Florida. A default final judgment was entered on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, BankUnited N.A. a newly formed bank, filed a foreclosure action against me and my wife in the Circuit Court of XXXX XXXX, Florida. 
On XXXX XXXX, XXXX, BankUnited N.A, filed a motion to vacate the default final judgment of quiet title and the state court vacated the judgment. On XXXX XXXX, XXXX, the FDIC, in its capacity as receiver for BankUnited XXXX removed the case to XXXX XXXX Court for the XXXX XXXX XXXX Florida. On XXXX XXXX, XXXX, the federal court erroneously dismissed our claim of rescission. The court granted summary judgment in favor of BankUnited N.A. The XXXX XXXX XXXX XXXX XXXX affirmed the lower court decision ( Exhibit-XXXX ). With the money judgment BankUnited N.A. obtained a foreclosure judgment and scheduled the sale of our property. We are currently appealing that decision. BankUnited N.A with the help of the law firm of XXXX XXXX XXXX and XXXX XXXX XXXX. have consistently ignored our rescission and caused us to defend an illegal foreclosure for years. The Supreme Court decision in XXXX, No. XXXX ( U.S. XXXX XXXX, XXXX ) confirmed that we properly rescinded our loan. The bank and its lawyers continue to harass and threaten us with the foreclosure of our home. We seek the help of the agency to resolve this matter once and for all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a debt from a XXXX I had back in 2009 when I was in college. I could not afford to pay the bill and did not have insurance at the time. 

Company response: Company chooses not to provide a public response
Consumer complaint: My child 's identity has been stolen, it shows a XXXX 's credit at XXXX TX, he 's social security number has been used by this person since 2010, I have reported this issue to XXXX. and nobody has seem to help me and my child in this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my mortgage bought by Greentree Services XXXX I have an automatic payment plan with my bank that pays my mortgage amount each month and have never missed a payment. I have my bank records showing the payments made each and every month. I received a statement from GreenTree claiming I was in default and demanding the full amount of my mortgage. In addition I have an escrow account and Greentree continues to miss paying my taxes and insurance from my escrow account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I visited Transunion for a credit report. They required my credit card number to bill me XXXX dollar for the report. Now they say I joined their service and want to bill me XXXX a month. They have already billed my credit card for this service even though I did not order it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of multiple cases of identity theft within the last two years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for TransUnion 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up XXXX Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This one is specifically for Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid already an account and they said I did n't pay and reporting late paid 

Company response: Company chooses not to provide a public response
Consumer complaint: Lustig , Glaser & Wilson XXXX P.C XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of XXXX for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the XXXX XXXX Court. They are attempting to re-age a debt that is over seven years old, and XXXX had already sued me in 2008 in the XXXX XXXX XXXX XXXX XXXX Court. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX/XXXX/XXXX, I purchased a used XXXX XXXX, from XXXX XXXX. The total price was {$32000.00}. Wells Fargo Bank picked up the loan for XXXX payments of {$670.00}. It was later switched to Wells Fargo Dealer Services. I have made XXXX payments for a total in excess of {$49000.00}, all the while receiving XXXX upon XXXX of harassing phone calls at all hours of the day, to every number I 've provided to Wells Fargo. I am charged at least an extra {$10.00} processing fee, for every payment. When I called today, to schedule the last payment, for Thursday XXXX XXXX, I was told that if I did n't make the payment by tomorrow, XXXX/XXXX/XXXX, I would have to surrender the vehicle. I do not get paid until the XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've just returned from the XXXX for my business. I was traveling in remote areas of the country where the vendors I was purchasing from, for the most part, only accept cash. I used my XXXX Bank of America debit cards to access cash. As a bank of america customer from before it was called Bank Of America, I was charged {$440.00} in foreign transaction fees for accessing cash from my OWN BofA accounts. BTW, that same cash on deposit earns virtually no interest & they use my cash to make money via lending and other services. To charge me {$440.00} just to access my own cash which is on deposit with this institution essentially for FREE ... has me off the charts angry. This should be illegal & it is ethically & morally wrong. I can not believe I have been loyal to this institution for this long! In addition to these I also have been assessed {$130.00} in fees on my BofA VISA credit card. Essentially, it cost me {$580.00} to be a Bank of America customer visiting XXXX XXXX for XXXX days. Of that {$580.00}, at least {$440.00}, or 77 % was a fee to access my own money. How can this even be legal???? I would appreciate any help you can give me in getting these fees 100 % refunded. To date, they have refunded {$230.00} without explanation as to how they arrived at this figure. It matters not - it should be 100 % refunded & should never have been charged. I would like to know what the tax dollars I pay are doing to protect me???? XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My parents who are both deceased left this property XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX to me XXXX XXXX XXXX and it was foreclosed on XXXX XXXX, XXXX : Foreclosure paperwork was done. On XXXX XXXX XXXX my son who is not on the mortgage. This mortgage has been sold over and over. I try to do the modification for the XXXX 6 months with no success. I hired XXXX XXXXXXXX on XXXX XXXX, XXXX to do the loan modification for me. And the modification went through the trial. Then XXXX extra month of payment, then they put me through a second trial. Hopes of getting a modification. The payment went for {$710.00} ( 3 ) month, {$810.00} ( 1 ) month, {$1000.00} ( 1 ) month, ( 3 ) month {$1000.00}. Add it up with homeowner insurance. Had me jumping through hoops to get a XXXX point and wind mitigation inspection. Still did not accept the low cost insurance I found for myself. Helping families save their homes Act of XX/XX/XXXX XXXX. When I started out I told all the attorneys I do not want to lose my parents ' home and the family house with have both been in this family for over XXXX yr. I got a phone call this weekend about the insurance I put in tell me singe some page work that was email. But when I went to the email no paperwork was there. Last month I pay no payment because the later payment was paid in XXXX XXXX. I was toll look for the final modification papers in the mail by my lawyer, as of today I have not received any paperwork. Every payment has been more than the {$940.00} you see on this monthly mortgage statement that I will send to you when you ask for documents. Since I did the first complaint PennyMac has send me the new find modification with is unreasonable because I had a 30 years fixed rate 8.450 % at {$940.00} mortgage payment total left {$120000.00}. Now it 's up to $ XXXX and a 40 years payment {$920.00} interest rate 3.875 %. a officer to reduction of {$22000.00} the anniversary of your XXXX trial period payment date for three years. If I do not want principal forgiveness, I may have other modification options. Yes I would like to know what the other options are at this time. Did not give my time to take to a Real Estate Attorney to look this over. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sent an invite to sign up for a 'Bi-Weekly ' mortgage payment plan from SunTrust XXXX Went into a XXXX XXXX Florida office in XXXX 2015, the 'Personal Banker ' had to call the main mortgage office to get more information about the plan because she did not know how this new plan worked. I just received an email letting me know that I owe 2 months mortgage payments simultaneously for the XXXX month, this was never disclosed, also a late fee which needs to be waived. This now looks as though I am late and was told that it would go to credit reports if not paid. I think this is not good business and have asked to stop immediately. I was told to send a written letter in order to stop. I have faxed a letter stating this today, XXXX XXXX, 2015. Had I been properly disclosed to about the 2 months worth of payments to begin, I would have not proceeded. When I made my XXXX call today, I was told that there were 'bugs ' in the new process, 'many complaints coming in ' and ' this is a new process for us, so we are not sure '. I was also told that a 3rd party system handles these types of plans. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion deleted XXXX XXXX for {$160.00} because the company agreed to it. Now it has been re-reported. The debt is not mine. In addition, Transunion is reporting credit inquires that do not belong to me and do not constitute fair use. I have had XXXX credit pulls in 2015. There should be no hard credit inquires on my report from 2015. This is harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has been calling me several times a day and harassing me about a dept that I discussed with the hospital that they sent to collection anyway. I get several calls a day in spite of any arrangements that I have XXXX with the reps. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Department of Social Services paid my XXXX XXXX XXXX XXXX when I was laid off. I have since moved and have been paying back the Dept. of Social Services for this. I received notice from Penn Credit collection agency in stating I owe XXXX XXXX. I sent them a certified signature required letter with copy of confirmation of Dept. of Social Services making payment and requested they remove from my credit report and to correct this information on their end. Rather than do that they again sent me only a request for payment, even though they signed the certified letter from me. I called and they started yelling I owe them money so I stated I was filing a complaint with CFPB 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Financial Asset Management Systems ( FAMS ) has kept my credit cards on file even after repeatedly telling them that I do not consent to them keeping my information on file. FAMS is engaging in illegal and deceptive tactics in flagrant violation of the Fair Debt Collection Practices Act. I never consented to allow FAMS to keep any card information on file, and even after repeatedly asking them to remove the information they have not done so. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

Company response: Company disputes the facts presented in the complaint