AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in 2 years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i had a loan from texas auto brokersthen they sold the loan to mid atlantic finance companythen i get a call from XXXX that they have my loan, and can not reach mid atlanticso who do i send the next payment to? im kinda sick of gettin the runaround here and just want a definitive answer. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I filed XXXX XXXX Bk in XX/XX/XXXX that was successful completed and discharged in XX/XX/XXXX. All of the debts that were included in the bk were deleted from my credit report with the expectation of an entry made by XXXX ( was included in the bk and at the time was just XXXX ). I initially disputed this entry with Experian online and received a response that it was verified. I called Experian to get additional information was was told that my account was verified with the date of last payment made XX/XX/XXXX. Of course this was incorrect. I most definitely did not make a payment to this company during my bankruptcy. I was told that I needed to send in documentation to support my claim. I immediately mailed a copy of the debt schedule page, final account from the trustee, and discharged order. In my letter, I requested copy of the original contract, a complete payment history from XXXX, and vertification method. 
Today, I received from Experian the following which does not address the original incorrect reporting of this debt : An account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date bankruptcy was either filed or discharged. The bankruptcy itself, listed in the public record information section of the credit report remains for seven years from the filing date if it was a Ch XXXX, or 10 years from the filing date if it was a Chapter XXXX or XXXX. 
As a national consumer credit reporting agency we collect and store information from credit grantors and information available in public records following the guideline in the Fair Credit Reporting Act. 
When you use credit a record of your payment history is stored along with the respective account. The monthly payments leading up to a bankruptcy discharge tells the account 's history. Unless the history is inaccurate, it can not be deleted. Accounts included in a bankruptcy ( other than those under Chapter XXXX ) will no line indicate that a balance is owed. 

The account in question is currently showing : XXXXDate Opened : XX/XX/XXXXFirst Reported : Not reportedDate of Status XX/XX/XXXXRecent balance : XXXX paid as of .... 
Status : Discharged through Bankruptcy Chapter XXXX. This account is scheduled to continue on the record until XX/XX/XXXXComment : Account closed at credit grantor 's request. This item was updated from our processing of your dispute in XX/XX/XXXXAccount History : Debt included in Chapter XXXX Bankruptcy XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am required to carry flood insurance on my property and when I received my renewal notice recently, the premium had gone up dramatically and it stated that I could increase my deductible up to {$10000.00} if my mortgage holder was in agreement with that. I called Bank of America and they said there was no problem with a high deductible but would not send a letter to XXXX to verify this. I went through my insurance agent and he also spoke with BofA with the same results. He actually spoke to XXXX different people and XXXX said they would not send a letter out to XXXX allowing a deductible increase. The increased deductible would drastically decrease my premium, which is what I want. I am requesting that a letter be sent to XXXX from BofA on my behalf. 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection agency got my medical information and should n't have. I signed statements on this account they have on file that the account was n't mine. 
They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They XXXX called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information in error. No collection agency should have been given my medical financial information. 

This company has filed an account on my credit report, even though I disputed this account, yet it stayed on my record and they continue to harass me every day. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am a new Macy 's card holder. I made XXXX purchase for {$92.00}. My husband made XXXX payment. The balance was {$58.00}. I am diligent about our credit, we are saving for a new home and want to keep me credit score strong, so I paid the balance online on XXXX XXXX (? ), early. 

I received a phone call from Macy 's yesterday, saying my account payment did not go through and now the payment is late, late charges, interest and returned check fees adding to over {$200.00}. 

I was devastated! They did refund the late fee and interest fee but would not remove the returned check fee because it was an error on my part. Clearly, I was trying to maintain my account by paying early. Why could n't they call me sooner? 

I paid the balance of {$58.00} and {$130.00} in returned fees over the phone and vow to never shop at Macy 's again! 

This is a disgrace! 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX and pay what I need to pay each time. I saw XXXX collection accounts on my credit. My insurance paid my medical bills. I sent to this agency to validate the debt and they did not validate it. This agency is not Bonded to collect in my state. I checked on the Secretary of State Site and entered their name and address. It says there is not a bond for them. This agency never sent me a letter or anything stating that they are putting anything on my credit 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wanted to write and voice a concern involving the banking practices of Regions Bank and possibly others. My mother had surgery on XXXX and spent 14 days in XXXX. During this time her home was broke into and her Television was stolen. Upon returning her to her home she wrote me a check from her Regions back account and asked me to cash the check and go buy her a new television. I pulled up to the drive through and presented the teller with my mother 's regions check and my driver 's license. I was informed that I would be charged {$4.00} since I was not a member plus I would have to come inside. 


My first concern:1. laws, rules/regulations that allow Banks such as Regions to charge a fee to cash a check that their customer wrote is not customer service. This ultimately will result in an increase fee to their members/customers. For example : when an individual pays for services with a Regions check, a non-member will have to charge an extra {$4.00} because it was written from a Regions bank account. if these fees generate XXXX to XXXX revenue per month, putting this fee back on the account holders will result in them finding other banks to conduct their business. 

2. Is This type of business conduct " Bank Bullying '' non-members are being strong armed/forced into opening an account with their bank requiring an minimum deposit or else face a fee. This state needs is tighter control, consistency and continuity across Alabama Banks. This type of fee is unreasonable and unfair. 

Company response: Company chooses not to provide a public response
Consumer complaint: Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is $ XXXXXXXX negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted this to the CFPB about 6 months ago. Case No. XXXX. As a result the debt collection company, Meade & Associates, responded that the original alleged creditor had " requested that the account be closed '' because it was " sent in error. " Now Meade & Associates are sending me threatening letters again demanding payment for this same account even though I sent Meade copies of their correspondence to me closing the account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is an ongoing complaint. You should be able to select more than XXXX issue. Yesterday, Select Portfolio Servicing ( herein ; SPS ) sent a Realtor XXXX XXXX from XXXX XXXX ( no address on letter, only a ph # XXXX & a Fax XXXX ) to put a letter on my residence of owner Occupied. To ask about moving out and receiving cash to avoid eviction. My matter is still in litigation. SPS still continues to make attempts to " scare me '' I am XXXX, my spouse abandoned me. I have been fighting this by myself. I am not on a " NOTE '' that had been lost, destroyed or stolen, that was never produced until the very last minute, with XXXX signature, ( ill gotten ) and XXXX endorsement, without recourse. SPS has never had a recorded chain of assignment only a fraudulent assignment by XXXX exists in the recorder office by a Robo Signer named XXXX XXXX. To which is what SPS came with. If they had at the time, why did they not bring it. They did not HAVE the authority to come to court or act on behalf of anyone. I have sent several XXXX and XXXX to SPS, and the recent Realtor. SPS has comitted fraud, along with XXXX Bank. I ask they Cease and Desist from further attempts to seize my home or have me evicted as THREATENED. my case is still in Litigation. THEY ALSO CONTINUE TO ASK FOR A PAYMENT THAT WAS PAID. I HAVE SUPPORTING DOCUMENTATIONS TO SUPPORT THIS FACT. THEY ALSO CAN NOT PROVIDE XXXX YRS OF ACCOUNT ACTIVITY. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear, My loan 30 Yr Fixed with PMI used to be serviced by XXXX Mortgage and in XXXX 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI. 
and here 's what happened:XXXX- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family. 
XXXX Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo XXXX Sq Ft instead of XXXX Sq Ft. They used the size calculation method, which impacted the value of my property. Contacted them again and was sent from XXXX customer representative to another and was told I was wrong. I contacted my association to double check the size of my property and they confirmed it 's XXXX ( also in line with first appraisal I had years ago ) XXXX Having reached a dead end, I decide to proceed with submitting a payment of {$28000.00} to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that. 
XXXX Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of {$72.00} SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my XXXX statement. 
Please help, I 'm willing to provide all the documentation needed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Late with payments, made payment plan arrangement with company. Still calling me XXXX times a day even on Sundays. Have explained several times DO NO CALL ME I am on a payment plan with your company to no avail. They seem to be of XXXX descent as if they do n't understand I 'm paying your company quit calling me. Calls start at XXXX every morning Monday-Sunday very annoying at least XXXX calls per day. I do not understand why they are calling when I have made and am keeping arrangements I put in writing with the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is filed against the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX and Customer Services Representative XXXX XXXX ( XXXX ) XXXX for transpassing my credit report file information obtaining a " hard '' credit inquire without my permission. 
On XXXX XXXX, 2015, I met XXXX XXXX XXXX at his bank branch located at XXXX XXXX XXXX, XXXX XXXX for banking issues. 
On XXXX XXXX, XXXX the US Bank sent me a letter Ref. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX stating my application for credit is denied. I immediately, visited the bank branch location and requested to remove the HARD INQUIRE from XXXX because I NEVER applied for a " credit line ''. 
On XXXX XXXX, 2015 I mailed the same request via us regular mail, but as of Today, no RESPONSE was received by the US Bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX applied for a loan modification with Bank of America, for years they denied me a modification then this year they said if I make trial payments they will give me a modification. I made XXXX trial payments and then they send me a loan modification agreement. And I cant accept it because they want an outrages amount of money that I do n't have. They did n't forgive me the past dew amount. I know there are government programs that exist for these situations that are supposed to help the consumer like my self. But I do n't see those programs working. Please help me with this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Commonwealth Financial whose address is XXXX XXXX XXXX, XXXX, Pa ... ... ... phone number XXXX picked up a disputed account from XXXX XXXX XXXX in the amount of XXXX and submitted it on my credit report as them being them being the creditor. They submitted the same account again listed under another creditor named NE CRDTCOL for the same amount of XXXX. They have the same account listed on my credit report under XXXX different names but they are XXXX and the same. Their real name is Commonwealth Financial. as I googled the phone number they continuously call me from and it is registered to Commonwealth Financial. The number they call from is XXXX. When I call that number back, I get a person who states his name but no financial greeting. They now have listed another account for XXXX XXXX XXXX which is the same as XXXX XXXX XXXX. NE CRDTCOL does not exist and is bogus for Commonwealth Financial. They are trying to collect a debt that was not owed. I paid my co-pay and my insurance policy states if the medical servicer charges more than what my insurance pays after I pay my co-pay, that amount has to be forfeited by the servicer. I consider these vultures who seek out debs that are 5 years old or older and try to collect on them as bottom of the pond scum suckers and I have no intention of paying them XXXX cent. I have been harassed by these people for years and have had enough especially now that as of XXXX XXXX, they submitted the same account against my credit. Guess the vultures forgot they had already submitted it in XXXX. I have printed my credit report and submitted it to an attorney proving what I am saying is true and I have the phone number stored in my cell phone showing that the real culprit in this scam is Commonwealth Financial and bogus name NE CRDTCOL. I am informing CFPB just to make you aware of this fraud on their part. I have also written to all credit reporting agencies to check the original debtors on the reports and submit them to me to t urn over to the attorney involved. I have had enough and was informed of steps to take against these debt collection agency agencies. This debt happened back in XXXX and is just now being placed on my credit report. The real issue is it was paid and my insurance company will have records as well as the original debtor. I intend to sue Commonwealth financial and this bogus name NECRDTCOL to the fullest extent of the law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been separated from XXXX XXXX XXXX XXXX since the beginning of XX/XX/XXXX living with my grand farther in XXXX XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



MABT/CONTFIN # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : $ XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Opened:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX Updated:XX/XX/XXXXPayment Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed 

Company response: Company chooses not to provide a public response
Consumer complaint: Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a 'permissible purpose ' I am writing this letter. 
I do n't recall applying for credit or several COMPANY'SYou state it yourself on my report. Unspecified I did include some definition of Unspecified. I did not authorize to run my creditFrom the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] '' ( : D Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' 

Company response: Company chooses not to provide a public response