AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX XXXX XXXX inserted a bad debt on my XXXX, On XXXX XXXX, 2015 DEBT RECOVERY SOLUTIONS also reinserted the same bad debt after previously being told its from Identity theft and removing it. There is no way both of those debt collectors can have a legal right to pursue XXXX bill at the same time. AARGON AGENCY INC also has the same debt listed in my XXXX, they last reported on XXXX XXXX. I 'm not facing double jeopardy I 'm facing triple jeopardy with XXXX debt Collectors listing the same debt & XXXX of them listing it 15 days apart in the same month.. XXXX XXXX XXXX XXXX XXXX both have the debt SEPERATED into XXXX accounts {$680.00} + XXXX total XXXX..Instead of the total being listed once. They 've maliciously separated the bill to do as much damage as possible to my credit scores. Instead of XXXX showing from XXXX co its now {$2100.00} AARGON AGENCY INC has it listed at but as one bill..So now the same bill is listed at over {$3000.00} in my reports. The Bill in question AARGON AGENCY INC has listed SPRING XXXX XXXX as the original creditor ( I understand that 's a HIPPA violation ) Both XXXX XXXX & XXXX XXXX SOLUTIONS have the original creditor as XXXX ( another possible HIPPA Violation ) I will be suing all mentioned parties for violations and filing complaints with my states Attorney General, The XXXX & Courts if these tradelines arent removed from my XXXX and if they 're resold or transferred again. XXXX companies cant have the right to legally try to collect on the debt at the same, XXXX or more companies are obviously trying to collect on a debt they have no legal right to collect on as well as the fact they intentionally misrepresented a debt by separating it to list it more than one time in my credit report. AARGON sold or transferred the accounts and has still reported on them while knowing they cant report or respond on accounts they dont have. AARGON also has a NV POWER BILL on my XXXX listed at an address I 've never lived at. I 've previously notified them it 's from someone using my identity.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent a email but have not heard anything back.On my credit score my mother name is on there. How do i deal with that. My full Name is XXXX XXXX XXXX XXXXdob XX/XX/XXXX. That is my mother madien name XXXX ... .she married my father which made her have XXXX XXXX Her middle name is different XXXX. Her dob XX/XX/XXXX.Please let me know how i can fixs this ASAP!!!! Thank you!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2014 I ordered medical products from XXXX XXXX XXXX in XXXX, Florida, totalling {$4900.00}. Within an hour or two I called back to cancel the order. The next day I received the order anyway. I made numerous attempts to contact the company, and left messages, but was never called back to resolve the issue. I never opened or used any of the product. 
I filed a dispute with U.S. Bank and was given a temporary credit on XXXX XXXX, 2014. I was told by U.S. Bank it would be taken care of, but on XXXX XXXX, 2014, U.S. Bank reissued the charge against my account. I have called on numerous occasions, each time being told it would be taken care of. Now, nearly a year and numerous calls to U.S. Bank later, I was told that U.S. Bank was not able to get a refund from XXXX, and there was nothing more they could do for me. Now I have no product after returning it to XXXX 's XXXX XXXX, and no refund. I have carried that {$4900.00} balance on my Visa card since, and have been accruing interest since XXXX 2014. 
This should never have been billed to my credit card in the XXXX place, as I cancelled the order, but now it 's beginning to affect my credit score when I 'm trying to purchase a house. 
Please help me in having this fraudulent charge and accrued interest removed from my credit card account and my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Between XX/XX/XXXX and about XX/XX/XXXX I worked for a company that offered a XXXX plan to which I contributed the minimum necessary to get the employer match. The XXXX plan is administered by Wells Fargo. Since I 've left the company, my " date of termination '' has not been reflected in Wells Fargo 's system which prevents the withdrawal of the balance ( I have a rollover IRA account setup to receive it ). The date should be some time almost 2 years ago and no one seems to be able to resolve it. I 've contacted the company, XXXX and Wells Fargo multiple times. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone stole my personal information and identity and opened a account with XXXX XXXX XXXX. Credit Collection Services is the debt collector for XXXX XXXX XXXX. This account is fraudulent and do not belong to me. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. Please review attached supporting documentation. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This is a XXXX bill of which I have XXXX for the past 15 years. My insurance pays each year. The code used for this XXXX was incorrect according to my insurance. I informed the lab to change the code - they can also call my primary doctor if they need additional information. I have not heard from them for quite some time, so i thought it was resolved. Last month I got a call from a collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called them after disputing the info that was incorrect on my report and they said it was correct. 
And that they would not allow me to dispute the information again even though it is incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: They are not standing upon the law that governs them. Eperian And XXXX have not followed the fair debt act. 

Company response: Company chooses not to provide a public response
Consumer complaint: Diagnosed with XXXX. Was placed on medical leave for XXXX., Unable to work consisted. Also please remove all discharged accounts from 2006 BK. Remove all duplicate accounts. Also Fraud investigation. XXXX, XXXX, AND ALL ACCOUNTS TO BE REVIEWED ANS REMOVED TIL INVESTIGATION IS DONE, OVER!! THANKS ... all documents are with attorney. 

Company response: Company chooses not to provide a public response
Consumer complaint: An automated machine keeps calling to saying it is calling to collect a debt for " XXXX XXXX ''. A person by that name never has lived here. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The debt collector called my employer stating that I owed a debt and they were trying to reach me. The last time, they were told not to contact me at work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My family has been a customer of Bank of America since XXXX. Even though from XXXX my family moved to XXXX states, I always keep my account and a deposit box with BoA. In XXXX fall, my family moved to XXXX, I transferred my deposit box at a branch of BoA. I 'm writing this letter because I loss a big amount money at this BOA branch. I have reported and provided all details of my experience to Bank of America for their investigation. However, no one reposed to me. I have to write a letter to XXXX XXXX ( President, CEO ) in XXXX XXXX. Then I received a letter from XXXX XXXX ( Customer Advocate, Office of the Chairman and CEO ) on XXXX XXXX, XXXX. In this letter, it said that " please allow a minimum of 45 days for a complete investigation to take place. You will be notified by mail of the decision. '' At the meantime, a lady called me and told me the same point of view. Nowadays, Time has passed 200 days, and I have not got respond from BoA. Therefore, I have to complain this accident to you. 

Incidence : On XXXX XXXX, XXXX morning about XXXX : XXXX, I went to open my safe deposit at Bank of America XXXX VA XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, XXXX. I found that an envelope retaining {$10000.00} in cash that was supposed to be in the safe deposit box was missing. Last time I checked the safe deposits box this branch ; the cash was still in the box then. The register card showed that none of the signers or owners has accessed the safe deposit box. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/13 a sales rep from XXXX XXXX XXXX came to my door to sell me a vacuum. He was very pushy and persistent, after expressing a number of times I really was interested and his still relentless push for me to just try the vacuum he had, to get him to leave I agreed to give the vacuum a try. I was told that if I did n't want it within XXXX days that all I had to do was call the sales rep and he would come back and get it with no obligation. I called the very next day and told him to please come get the vacuum, he said he would be over, but never showed up. My daughter and I called repeatedly in the next few days to ask the sales rep to come get the vacuum and he never did. Now XXXX years later this debt is showing on my credit and I never intended to keep the vacuum. I believe this sales rep preyed on older adults and used aggressive tactics to get clients to just take the vacuum so that once they did so he would then leave with never having the intent to come pick the unit up ever again and sticking people with an un wanted bill. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ALLY BANK HAS LYED ABOUT THE REPOSSIONS OF MY XXXX XXXX XXXX, WE GAVE CAR BACK IN XXXX XXXX, CAR WAS TOTALLY NOT RUNNING, XXXX XXXX DEALER, XXXX NEW JERSEY WAS TOLD TO GIVE CAR TOO BANK, WAS UNABLE TOO REPAIR, CAR COULD NOT BE STARTED, PROGRAMS IN THE MAJOR RUNNING SYSTEM NEEDS TOO BE TOTALLY UPGRADED. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER, OR BANK! 
WE NOTIFIED THE STATE ATTORNEYS OFFICE, CONSUMER PROTECTION AGENCY, NEW JERSEY AND ALSO THE LEMON LAW. 
COMPLAINTS WERE SENT TOO CONSUMER PROTECTION AGENCY, ALSO TOO ALL CREDIT BUREAUS IN XXXX, XXXXTHIS WAS A BAIT AN SWITCH TACTED BY XXXX NJ. 
THEY 'VE DESTROYED MY CREDIT, ALSO LYED TOO THE CREDT BUREAU ABOUT ME VOLUNTARY REPOSSESSION, THEY SAID HEY REPOED VEHICLE IS A MAJOR LYE. 

Company response: Company chooses not to provide a public response
Consumer complaint: Charged XXXX by XXXX XXXX XXXX company to my Navy Federal Credit card for a transaction that was already paid for by my insurance company. I have opened disputes with Navy Federal and have to hear back/have the disputes resolved after providing documentation proving that these charges have been paid by an insurance company already. Navy Federal is not processing the disputes in a timely manner. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX 'S XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX 'S and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do not know where to start to be honest. I am XXXX and can not maintain my house any more and had to move out. I tried for a modification and was denied then tried for a shortsale and bank of america tells me i did not complete a modification. this is utterly ridiculous. i have been trying to do a shortsale and they denied it because they said i did not turn in a bank statement. it was uploaded in XXXX. bank of america also said i can not do a shortsale because i did not do a modification, i have news for you i have worked on a modification with XXXX XXXX for about XXXX months to get bank of america to open the file in XXXX and work on a shortsale. so the negotiator XXXX XXXX told me the file is declined because the home is vacant, however it is a guidline that if hope was vacated because they are XXXX and can not maintain the property a shortsale can take place. that was what i was doing but this man denied the file because he could not reach me. declined because he could not cal me. finally he called me and spoke to me for about XXXX hour PLEASE LISTEN TO THIS CALL he said the file should not have been declined and would get the file back to XXXX XXXX and she would re open the shortsale. this was over a month ago. i called in last week to check on status because i was not contacted and some person at bank of america tells me the property will foreclose and that the shortsale was never in the works ... .omg it is in XXXX and been a shortsale for almost a month ... ... .wow verified stupidity. they said i have to be reviewed for a modification. i am meeting with a attorney the AZ Dept of housing refers and letting them listen to the conversation of bank of america stating they made a mistake and will fix it. so far this has not happened. this is ridiculous and i can not even type anymore as it is so painful all i have been through. i am so upset. please do not foreclose on me and approve the shortsale. i even wrote the VP XXXX XXXX at bank of america and he never responded. what is happening is wrong and this is horrible. the lawyer says he will take it on and has cause so that is good but who wants a law suit i just want this to be over approve the shortsale and move on with my life! 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to do this but was told I was not eligible to dispute the information online and needed to mail my identity sensitive information to them but for security reasons they would not mail the information back to me. I am not comfortable with mailing my drivers license and social security card to them. This is keeping me from being qualified to purchase a home and is VERY time sensitive. Experian Credit Agency has my SS # incorrect in their records. I also tried calling them but was unsuccessful in getting to speak with a person 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent letters made calls back and forth to the Dept of Ed who tells me my account is closed paid in full and should not show any negativereport to the XXXX credit reporting agencies. Dept of Ed student loan claim Imust dispute any negative information with transunion XXXX orXXXX. I have done so many times and it continues to show multipleincorrect reports of missed payments. I have asked the closed accountsbe removed which are from more than 7years ago but all I get is ais a customer remarks added to their report claiming I never missedpayments. will they ever help me and clear my record so I can buy ahouse! I have sent proof to the agencies from my student loan companythat the accounts are paid what else do they need??? 

Company response: Company chooses not to provide a public response
Consumer complaint: IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a payment on my credit card at Wells Fargo Financial National Bank. The bank applied the payment to a mortgage at Wells Fargo Home Mortgage that was paid off XXXX years ago. Wells Fargo sent the payment back to me, and Wells Fargo Finncal National Bank is now calling me constantly about the supposedly overdue payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: The servicer response to my previous complaint was inaccurate. The issues I am facing have not been addressed and although a new HAMP XXXX is on file with the servicer - Bank of America, the foreclosure sale scheduled for Tuesday, XXXX XXXX 2015 has not yet been cancelled even tough all the required documents have been verified as received and uploaded for review. The red tape and servicing mismanagement has not changed. Before the XXXX XXXX was even acknowledged or decided, another foreclosure sale was scheduled. Also, the XXXX dispute letters I submitted via certified mail have never been acknowledged even though I know from the green certified postal return receipt card that they were received and signed for. I am not getting a fair review of my mortgage modification requests even though HUD counselors have advised me I am eligible for XXXX or more of the programs available for homeowner relief. 

Company response: Company chooses not to provide a public response
Consumer complaint: PennyMac has fail to produce to me the original promise note and mortgage in question. 
My request was done not to release the original but notorized the copy under penalty of perjury and then they send me a copy of HUD1 which I do know the signutare are all forgery. In reference to HUD1 that the forgery was committed and I have solid evidence. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I originally sent a dispute letter dated XXXX/XXXX/15 to Trans Union. I then received a reply from them dated XXXX/XXXX/15 thinking that my dispute letter did not come from me and now they want a power of attorney. I even attached a copy of my driver 's license with my dispute letter and a copy of a utility bill. How are they determining that this information is not sent by me? 

Company response: Company chooses not to provide a public response