AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I field a complaint with CFPB regarding to Ally to resolve a matter. However Ally is calling me on an automatic system and blocking their phone calls without resolving these matters. They call my house all day long more than XXXX times. We are in dispute and they refuse to resolve the matter as I am waiting for a supervisor to return a phone call to me however this is an automatic system and then they block the calls the rest of the day. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service.. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was sold a short time later to Pacific Union Financial, and serviced by XXXX. Everything was fine until the servicing transfer to Pacific Union Financial. Every payment was made on time and in full. Pacific Union Financial sent us a letter, demanding almost {$2000.00} to " catch up our escrow account ''. I immediately called the servicer and they explained that our escrow balance was short, but they could not explain why. It was balanced at the beginning of the year, and the monthly escrow payment XXXX is more than the amount of our taxes and insurance. They offered to send me a pay history to help me figure it out ( I thought that was their responsibility ). I asked them to note that the escrow account shortfall was in dispute, while I researched the pay history and that we would reconvene as soon as I had a chance to review their documentation. The documentation took three weeks to arrive, and it came when I was XXXX XXXX, so I did not have a chance to review it immediately. There was no further contact or instructions. This morning, someone stating they were with Pacific Union Financial called me at XXXX demanding payment in full of the escrow shortfall or my agreement to a new monthly payment that is nearly {$300.00} more. I explained to her that I had previously spoken with someone and that we were investigating the shortfall. She stated that if we did not immediately pay the increased amount, that it would be recorded in our history as a short pay and that negative information would be reported to the credit reporting agencies. I explained to her that this is inappropriate, because I had not had enough time to review their documentation and that I considered their request to be disputed. At that point she became very argumentative with me -- threatening all sorts of XXXX and raising her voice. The call went over an hour with a very argumentative and harassing tone. We have never missed or short-paid a mortgage payment, since our first home was purchased over 20 years ago. We have an excellent credit history and payment history with this company and for them to use strongarm tactics and threats is very disappointing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased my home in XX/XX/XXXX. I recently received my XX/XX/XXXX Annual Escrow Account Disclosure Statement from my loan provider Castle & Cooke Mortgage. My current mortgage monthly payment is {$1400.00}. Upon reviewing the statement, I realized my new mortgage payment increased to {$2500.00}. I called Castle & Cooke for an explanation. The representative explained ... ..they did n't pay your XX/XX/XXXX taxes. She kept referring to they when assigning blame. When I asked who is they, she did n't answer me. I asked again and then she said the service provider. Then I asked ... ..are n't you the service provider? She finally admitted it Castle & Cooke failed to properly collect the funds for escrow. She did not provide means or options to resolve the issue. I had to ask for my options at resolving this issue. I am concerned because this is a problem generated by Castle & Cook, a problem, I believe they intentionally perpetrate. The representative stated this is a common occurrence. The representative stated I had up to 36 months to pay for the shortage of escrow funds. I asked if there would be a fee incurred and she stated no. I am leery of her statement but plan on proceeding with this option. Once I find out exactly how this works, I may submit another complaint or add to this one. During my research of Castle & Cooke, I found your organization has taken action against them for steering consumers to costlier mortgages. I feel I am being exploited and being taken advantage. I venture to say there are many consumers in similar situations who have not voiced their concerns. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several paid collections came off of my report, then after I bought my house, those mysteriously came back on. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have excellent credit with a credit score over XXXX, no delinquencies, no current balances, as I pay off my balances each month, and yet every time I apply for an XXXX XXXX card -- which is through Barclay 's Bank -- I am denied. I have a XXXX Barclay 's card with an excellent history, so I sent an online secure message to Barclay 's, which they not only refuse to address, but also refuse to escalate the matter to the corporate office. I am sick and tired of being treated like garbage by these banks. They lie, cheat, and steal from loyal customers, which is completely inappropriate, especially with customers with as excellent payment records as I have. I deserve an explanation in writing as to why this keeps happening, and CFPB has a responsibility to see that these issues are addressed in writing, not just blow off complaints by merely sending a copy of the bank 's lame response to the complainant. 

Company response: Company chooses not to provide a public response
Consumer complaint: local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts.
Company response: Company disputes the facts presented in the complaint
Consumer complaint: I went the West Asset Management/XXXX because of I work inquiry and was put in the hosiptal. I told them at that time my job workmen compensation was going to pay for it ; however the sent this to collection and now will not removed it even now that it is paid in full. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I just had the worst experience with a bank branch manager. I was trying to cash a check from my dad and XXXX who says she 's a branch manager refused the cashed the check. I told her that I would file a complaint and remember her name and instead of acting in a professional manner and controlling the situation she decides to scream out that I was a fraud in front of all the customers. I think it 's very rude, and she was speaking to me in a very very condescending manner and its very unprofessional of her that she would accuse me of fraud and not call and verify with my dad on the phone and also accuse me of a theif in front of everyone. I have no reason to steal my dad is a XXXX and does n't know XXXX and I 'm trying to help him pay his bills while these people are accusing me of fraud. She was so unprofessional I thought I was in the hood not at Bank of America. I do n't know what type of people is representing the company. 


XXXX XXXX Manager atBank of AmericaXXXX XXXX XXXX XXXX, TX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XX/XX/2015 at XXXX a recorded conversation was started between myself and a customer service rep from Bank of America XXXX At XXXX point she had a supervisor there asking questions and providing answers. The phone call was recorded and was over XXXX minutes in length. After months of calls, this representative was helping me. She said that if I made an additional payment of {$23.00} ( details are on the phone call ) that she would waive the late fee for XXXX that was placed on my account because I was XXXX day late. As an aside, I have not received paper or electronic statements from Bank of America in quite some time. Because I have been calling to dispute the late charge for months and only paying the previous minimums due ( {$25.00} ), Bank of America kept adding late fees and past due amounts. ( They added a late fee for XXXX, in XXXX, because I did n't pay the late fee, the considered the XXXX late fee a past due amount, and another late fee ) On the phone call with the representative and supervisor on XXXX, the was an agreement made to resolve the issue. They agreed on a recorded line that if I paid an additional {$23.00} ( I already paid the minimum of {$25.00} ) that day ( I did and have proof ) that they would waive the late fee for XXXX. This meant and they agreed that there would be NO late fee that carried into XXXX and therefore no past due amounts or subsequent late fees because I had made been and kept making the minimum payments due on time. After hanging up and making the payment, Bank of America NEVER made the changes and returned my account to " in good standing ''. They LIED. I called to complain and went into a branch as recommended a long time ago but a credit card rep of bank of america to launch an official complaint. Bank of America has refused to pull the phone call and do what was agreed upon. They are still charging my account with past due amounts which should not be there. They are also ruining my credit. I do not owe additional hundreds of dollars for being 1 day late and yes, I have proof that I made payment 1 day after the due date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to open an account at Bank of America and the lady entered in all of my information and I was denied an account and given a phone number to call, I called the number and it was Bank of America 's " risk department '' they stated that I had previously had a Bank of America account and it had been closed, I informed them I had NOT had a Bank of America account and I am a XXXX ( I am and have been dealing with it since 2009 ) and the man said that it did n't matter my police report and affidavit would make no difference and I would NEVER be allowed to have an account with Bank of America because the account opened by the XXXX had been closed. When I was filing my XXXX police report the packet they gave me said that no creditor or bank could hold being a XXXX against me because it was n't me. He was extremely rude and since it is illegal to hold XXXX against someone I would like something done about this it is n't my fault someone XXXX and it has been headache enough. The fact that he said I exposed myself to XXXX and that alone made me too risky is extremely offensive considering my XXXX after I got robbed XXXX and the guy stole my wallet. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: When my wife and I tried applying for a loan, the loan officer informed me that on my credit report there were XXXX different collection account for Bank of the West listed. The XXXX shows account name unknown with XXXX balance states unpaid and consumer disagrees. XXXX is listed as XXXX XXXX XXXX XXXXBank of the West with a balance of {$180.00} that supposly was turned over to collection XXXX. I have attempted to gain information related to XXXX of these accounts with no luck not even sure what branch these transaction took place at and I was told without a account number for reference it would be difficult to figure it out since my XXXX number did not pull any information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX REFUSED VALIDATION REQUEST AND INSTALLED INQUIRY ON MY CREDIT. IGNORED CEASE AND CEASE, PAID ORIGINAL CREDITOR. 

Company response: Company chooses not to provide a public response
Consumer complaint: Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!?? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recently pulled out my credit profile from equifax company. I have found out XXXX account that is incorrect, that is reported from Collection agency. After sending letters to the Collection Agency who has listed an item on my file, to ask them validate my debt. But I have n't received any legal documents that proof of debt, such as acoount statement, name of original creditor, and registered agent number, and so on. I asked them to delete from my credit file if they ca n't validate my debt, But they still keep reporting to credit report company while they ca n't validate my debt. 
I have contacted the credit report company, Experian, to ask them to investigate the account that I was given no evidence of my obligation to pay this debt to this collection agency. But it came out verified from Experian ( attachment enclosed ). And as I know this debt is out of Statute of Limitations of State, but the Experian still allows debt collector to report in my credit file. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchSincerely Yours, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a bill for XXXX from SLS servicing on XXXX/XXXX/XX/XX/2015, on a Home equity line of credit i had taken out 10 years earlier. It said balloon payment due ( Final notice ), and if i do not pay by 30 days i am subject to foreclosure. This bill was for XXXX, the limit on the HELOC was only XXXX. I paid it off last week, and they deleted the extra amount due to make it the true balance of XXXX. I just do n't want this to happen to anyone else, and if they get an older rich person, they might just have sent them the higher improper amount. Thank you. 

XXXX will attach a copy of the bill if you want or call me with any questions at XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company named Coast Professional Inc utilizing an address of XXXX XXXX, XXXX XXXX, LA XXXX is attempting to collect a purported debt that if valid, would have been at least XXXX years old. Under California law, where this purported debt would have arisen, the Statute of Limitations ( SOL ) is XXXX YEARS. This appears to be a shake down by a shady firm who probably bought this debt for XXXX cents on the dollar and is hoping that people will acknowledge the debt and restart the SOL. This is harassment. I have responded them in writing, as requested by the shady company, that I do not acknowledge the debt and that I am reporting them to the CFPB. Moreover, in there letter, it states that if you do not dispute the validity of the debt in writing - they will construe silence as a reaffirmation of the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a Line of Credit with US Bank that was included in our 2013 Bankruptcy and has been charged off by the bank. We are trying to sell our house and the bank is giving us the run around about releasing the Deed of Trust in the county records. This is obstructing the sale of our property 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing this complaint in regards to FCO an debt collection company attempting to collect a debt from me. I have no proof or knowledge that I owe this debt. I moved out of XXXX House in XXXX of XX/XX/2013 and paid any remaining balance I owed. I believe this debt is unjust and inaccurate. 

Company response: Company chooses not to provide a public response