AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: First of all, the debt that they are claiming that I owe them is false. They are claiming that I owe XXXX wireless money when I do n't. Long ago I did have an issue with XXXX, but we settled it out of court. On top of that I did declare bankruptcy about 5 months ago, so even if I did owe this company or XXXX any money, that was wiped out and they are illegally contacting me. In addition, when I contacted them to get this resolved they refused to resolve the situation and hung up on me. That refusal would also invalidate any debt even if it were valid, which it is n't for XXXX reasons already stated. Finally they were asking for my social security number, which they have no right to do and I am not obligated to give them. When I refused they refused to do anything except demand it and eventually hang up when I stood up for my rights. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: It was Sunday XXXX XXXX. I received a call at XXXX XXXX from XXXX. 
It was from Credit Acceptance, the lien holder on my vehicle. I answered the call, but there was no response and then I was hung up on. I called immediately back, and was quickly connected to a representative. I was asked to verify my account, and I gave them my name, and my address, but then they asked for ANOTHER piece of information to verify ( for XXXX purposes ). I questioned this, because they originally called me, threby meaning they would have to do outbound XXXX requirements. 
They started to argue with me, and I never provided the additional information because I was mad, and because they started to argue with me about the process. While this was going on, the rep started to talk about the specifics of my loan, the fact that I was overdue, and that he needed to collect payment at that very moment because there is no grace period on the note. It states right inside the note that there is a 15 day grace period before it is considered late and collection proceedings are started. 
The thing that blows my mind about this is the fact that I had already sent out a payment automatically from my Bank account on Friday afternoon! It was removed from my checking account, and was waiting on Credit Acceptance to process it! However, they chose to have a representative Call me at XXXX on a SUNDAY morning as I was trying to drive to Church. Get your payment processors to work on Sunday while the banks are closed! 
I was incredibly offended by this nuisance, but more by the fact that the representative failed to properly verify my identity even by there own XXXX Controls! I am confident that I could call in again and not have my privacy protected adequately! This must stop because I am confident if this lack of regard for security happened to myself, a person whom has never missed a payment, I can only imagine it gets worse for those in collections, or those seeking to modify a loan. 
I would like my credit report to reflect that I had not missed any payments, and I would like the CFPB to investigate and redress my claim against this careless company. 

Company response: Company chooses not to provide a public response
Consumer complaint: " Cooper, Hoffman, Klein and Associates '' continues to harass me by calling my cell phone in attempt to collect another person 's debt. They have yelled at me, misrepresented themselves as lawyers, threatened to take me to court and refused to stop calling me after I asked them to remove my number from the account that does n't belong to me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I switched my service over XXXX with the understanding that they would pay my cancellation fees XXXX. I cancelled XXXX and payed the cancellation fees and XXXX sent a prepaid card for {$240.00} to cover the cancellations fee. My problem is that the card expired last month, XXXX. I called to request a new card from Citi Bank and they told me they could n't give me a new XXXX as it had expired and I lost my all my funds. 

I called XXXX back and explained what happened and the agent told me to call XXXX and speak to Citi at this number. She said it should n't be problem and that I should be able to get a new card. So I called that number and spoke with the supervisor XXXX who explained that he could n't do anything and that the funds were gone. He stated that he could not do anything and that the card had expired and I lost my money. I explained that I read on XXXX that even if the card had expired I should be able to get my money. It states " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. '' It 's still my money at the end of the day. I paid {$240.00} to switch XXXX with the understanding they would pay for it. So I 'm still owed that money. XXXX then informed me that he could not do anything and that I 'm not entitled to a new card. 

According to the CFPB " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed an account in collections on my Credit Report back in XXXX and disputed. I received an Email on XXXX stating that it was in fact an error. To date, the collection is still on my credit report and has not been removed. I disputed this with Experian and the report number they gave me was XXXX and my investigative ID was XXXX. This needs to be removed as I am building my credit and this just hampers my attempt. 
I have pasted the email I received : The results of your investigation of information in your Experian personal credit report are now available for online viewing. For your protection, please review your results online within four days of the following date : XXXX review your results, go to the following URL and enter the requested information. XXXX Report Number is : XXXXYour Investigation ID is : XXXXThank youThis notice is systematically generated. Please do not attempt to reply or send email because we can not receive it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Reference : XXXX. XXXX XXXX XXXX XXXX have deny an auto loan based on* Serious delinquency, and public records or collection file*Time since delinquency is to recent or UNKNOWN*Number of accounts with delinquency*Lack of recents revolving account information*Number of recent inquires on credit report. *Credit score XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a voice mail from " investigator '' threatening me with sending sheriff to arrest and process me. He said he was sending sheriff to my job and/or home. I called number provided and agent said that they had called, sent emails and sent letters. I have not received them. I only received call today, XXXX XX/XX/2015. I live in XXXX and they said that there was n't anything I could do to stop XXXX from arresting me. I asked for date and place so that I could appear and face judge and he said no, I have to wait to be processed by XXXX 's office. They said they submitted paperwork in XXXX XXXX XXXX XXXX. They gave me docket # XXXX. Investigator called from XXXX and instructed me to call XXXX. I called a XXXX time and asked for address, they said XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Illinois. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is to inform you that over XXXX customers who have come to XXXX XXXX XXXX in XXXX in the past year or so and ate or had a drink are being charged XXXX from their accounts on a single day. The fraud in this restaurant is massive. I personally was charged over {$2000.00} in XXXX XXXX and on XXXX XXXX, I was charged again another {$1200.00}. This happening to lots of people. The management is saying XXXX XXXX, XXXX. a credit company is doing this. My bank is saying XXXX XXXX XXXX is doing it. I have filed a police report with XXXX Police Department. We need your intervention. 
Please help stop this menace. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to make a payment online and their website had been updated 2 weeks ago now I ca n't access and make my payment online. I called them and they said that since I closed the account a while back that now I ca n't get access to the account online and must mail or pay by phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: While shopping for a loan for a refi, potential lender pulled my credit without permission or authorization. At no time during the conversation was I asked if I authorized a credit pull. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for an installment loan through XXXX XXXX ( XXXX ) close to a year ago and faultered on making regular payments due to medical and family emergencies. XXXX gratiously worked with me but the emergencies persisted and they sent my account for collections to ZFN & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, ( XXXX ) XXXX. While the representative assigned to my account was very accommodating and understanding her knowledge of recommended avenues to pay were lacking GREATLY! I was sent on a goose chase to find a magical debit card sold at XXXX where I could load more than {$500.00} at a time. My payment was to exceed that amount and to be taken out the next business day. She could not get her mind wrapped around the fact that I could have gotten ANY reloadable card where I could load {$500.00}, then the rest at same register back-to-back. I thought well maybe they ca n't take more than {$500.00} off at a time or something weird, along those lines. Hence, my having to take time off of work, getting chewed out by my boss, burning up the LAST of my gas for the month ( I only get paid once/month ) all to try and find this mythical card that no one at my XXXX has ever heard of ... REALLY??? THEN to top it all off, once I finally informed the lady of my woes she was willing to wait until I got paid for me to get the card. SERIOUSLY!!! THEN I got not 1, not XXXX, not 3, but 4 calls, IN ONE HOUR!!!, from another male agent and a manager at this agency to ask why I had not secured my arrangement with a debit card. Mind you, they had my screen up right before them as they were talking to me having full knowledge of the arrangement I had made with the other agent, AND I HAVE a debit card in my possession, an XXXX Serve Card ; but they do n't take that one! I do not deny the debt I owe with CC but there is NO WAY ZFN & Associates should be this ignorant of how to handle business and people. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For the XXXX time, I did not receive a bill for my Home Depot credit card. As a result, my payment was late, since I had no idea a payment was due. Between late fees and " minimum charges '', I was charged a total of {$54.00}. When I complained about this, they refused to credit me back any of these charges, since " too much time '' had passed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Mortgage has delayed closing on the sale of property and will not tell the closing attorney or the buying/selling agents what is necessary and needed to complete the file. We continually supply documentation, same documents multiple times and can get to straight answer as to when we will be complete. This has been approx 60 days in the process. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have had a financial hardship and tried to work with Wells Fargo to get a loan modification. We have worked with them over the past 4 months only to be told there was nothing they could do and put the property into active foreclosure status. The company has not been responsive to explain why the modification was not approved when provided additional information. They have not returned my preated calls and I feel like we are geeting the runaround. The whole process has been very frustrating on top of the stress of potentially loosing the house in foreclosure. They have not reached out to us to work out any other solutions. The last time I called, which was on Monday XXXX XXXX, 2015, I was told they have a policy to return call within 48 hours. That time has passed. I feel like they are not observing the foreclosure protections that have been put into place to protect homeowners by being responsive and finding solutions other than foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company put a XXXX XXXX XXXX account back on my credit reports after it was previously removed about 2 or 3 months ago with no valid explanation for doing it! First off this account should n't be reporting on my file anyways as its a fraudulent account and second off its 7 years old and is reporting inaccuracies anyways. I demand this account be removed again permanently from my file or my intent to sue letter will be typed up by my lawyer. There is also a XXXX account that XXXX Bank has already put a request for a deletion to the credit bureaus and this is the only one that has n't removed it yet!! 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX XXXX ( California ) Recorder shows a massive owed debt on my credit report, for XX/XX/XXXX and XX/XX/XXXX. 

I did live in XXXX during some of this time, but I was not working the entire time ( 2 months one year, then XXXX the next at a XXXX company ) both times as a employee making roughly median wage there. The amount they claim i owe is substantial, over XXXX and XXXX for each year. 

I have contacted the XXXX recorder 's office, and they have NO documentation about this at all, and do not understand how i could possible owe the amount claimed. As they are unable to provide ANY paperwork backing up this claim, i 'd like it removed from my credit reports. Experian and etc do n't make this easy as it 's a government entity on my report, not some bank. 

What can I do? They ca n't or wo n't send me anything showing how i owe this debt I know I do not owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged {$140.00} in overdraft fees on four transactions on XXXX XXXX, 2015 by Bank of America. I had {$53.00} in savings account linked to overdraft protection. The transactions came in the following order {$350.00} first, {$25.00} second, {$25.00} third, {$2.00} fourth. Money from savings account did not apply to XXXX transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. I have a letter from the attorney for the homeownerto take me off the judgement. Thank you XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I enrolled in a biweekly interest minimizer program XX/XX/XXXX and on XX/XX/XXXX they notified me by email that the program is no longer available but I need to know where my money is that was taken from my account in XXXX previous to the email. My house payment is now outstanding and I need my money back. I 've called over XXXX times and you get a recording to call back due to high call volume. I 've emailed and no one returns my email either. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I lived in XXXX XXXX rental complex in XXXX, Pennsylvania from XXXX until XXXX. Although I had paid all my rents on time and had returned the apartment in a perfect condition and had the agent of the rental complex inspected the apartment, despite having XXXX Dollars security deposit, which XXXX XXXX never returned to me, the XXXX XXXX XXXX , without any notification to me ( although they had my new address, phone, and email ) sent XXXX Dollars for collection to Hunter Warfeild Collection Agency in XXXX, FL. This apparently happened in XX/XX/XXXX. Hunter Warfield never attempted to contact me and reported the collection to Credit Bureau in XX/XX/XXXX, which was almost 5 years later. I first noticed the issue on my routine credit checks in XX/XX/XXXX. I paid the collection immediately, total of XXXX Dollars, including the collection fee, although I did not think I was responsible to that. 
This XXXX dollar collection had drastic effect on my credit score and my overall financial life. I had never have a single late payment in my entire life. All my credit scores were in top tier. Only with this issue, my credit score dropped significantly. As of last 2 years, I had multiple attempts to get a home loan and I have been turned down every time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SKO Brennar American - collection letter rec 'd - phone XXXX XXXX XXXX XXXX, NY XXXXXXXXSent to XXXX XXXX XXXX XXXX FL XXXXTel XXXX # XXXX - they refuse to give me original creditors information and has threatened to report this onto my credit report unless I pay. 

Dear SKO Brennan American, I never rec 'd trial offer from your client. In addition when I called you to discuss the collection letter I received - your representative refused to provide me with your clients information. I feel that I am being extorted and have reported this incident to FTC. I do not want to fall victim to any fictitious claims and feel as if this is one that qualifies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On or about XXXX of 2015, ALLIEDINTERSTATE contacted me about certain XXXX XXXX credit card debt account # XXXX. I personally notified ALLIEDINTERSTATE, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, ALLIEDINTERSTATE, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised ALLIEDINTERSTATE, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that ALLIEDINTERSTATE provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of FRAU and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, ALLIEDINTERSTATE purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving repeated calls at my workplace from the phone number XXXX. In the last week, they called on XX/XX/XXXX at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, and XXXX, when I was finally in my office and I answered the phone, there was no repsonse, and they hung up. I returned a call at XXXX on XXXX/XXXX/15, and found that the number was for a Dillard 's credit card provided by Wells Fargo. I have never had a Dillard 's credit card. The system asked for an account number, and eventually ( when I did n't provide an account number, since I do n't have one ), I was connected to a representative, I provided the work number, she verified that I do n't have an account, and said a note would be created and the phone number would be removed. I then received additional calls from them at XXXX and XXXX on XX/XX/XXXX. Today ( XX/XX/XXXX ), I tried to call at XXXX to again request for the calls to stop but was told by the system that call volume was too high and they could n't answer my call. 

I have worked at this college since XX/XX/XXXX, so it is possible they have the number from whoever had the extension before me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery Company showed up on my credit bearu I disputed it with the credit bearu. As it was for an old XXXX account that was closed XX/XX/XXXX. As I could no longer afford it and was told upon closing the deposits that would be applied to the account and closed. I contacted ERC and requested detail on why they where collecting the said it was for XXXX old XXXX accounts ( XXXX lines XXXX account ) this was sometime XX/XX/XXXX. I told them I have never received a letter at all from them to dispute the collection and requested more details Some time goes by and XXXX/XXXX/2015 I contacted the collection agency again and they transferred me to the dispute department a woman by the name of XXXX said that she had already placed a request in with XXXX for a company of by account along with where the depsit was placed. She then told me the account also had XXXX of early termination fees. I told her my account with XXXX was past the early termination fee period and requested that she provide proof of my signed agreement and any recording they had from XXXX authorizing such a hefty termination fee as i had stated the account was well past the termination charges. When I called and spoke to some else I was told they would not give me any time frame as to how long they had to collection the info before they would have to remove the account without the validation. I called XXXX/XXXX/2015 and spoke with a XXXX who said that they just received the request on XXXX/XXXX/2015 and this was the first time they requested any info as it originally needed to be in writing when I told him that it I was told it was already requested he said that they had not. When I told him I want proof of all documentations as the letter I sent requested his response was we will only send you what we are legally required and that is just the statement not the originial signed agreements. A previous complaint was files under Case Number : XXXX a agency responded that they would be supply the information of the signed contract and any and all recording in regards to the early termination fee to date nothing has been provided to me from the collection agency nor XXXX. ERC removed the collection and all negative information from my report and it remained off my bureau for a couple months and now they have resubmitted the collection on all my CRA bureau as a new account as of XXXX 2015. I am demanding that they remove all negative reports from all any of my credit bureaus as they they have failed to provide proof of the agreement. 

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