AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : D & A Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXXToll Free : XXXXXXXXFax : XXXXXXXXE-mail : XXXXXXXXCollections : XXXXXXXXSales Contact : XXXXXXXXSales Email : XXXXXXXXComplaint Resolution : XXXXXXXXXXXX XXXX, TXToll Free : XXXXXXXXEmail : XXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes D & A Services to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to D & A Services. Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that has been rendered to D & A Services because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to XXXX-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXoll Free : XXXX : XXXXE-mail : XXXXXXXXXXXX : XXXX Contact : XXXX Email : XXXXXXXXXXXX XXXX : XXXXXXXXXXXX OfficeXXXX, XXXXToll Free : XXXXEmail : XXXXXXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes XXXX XXXX XXXX XXXX to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to XXXX & XXXX Services. Consumer has no fiduciary, contractual obligation to pay XXXX & XXXX XXXX anything. There is no payment history, nor products, or services that has been rendered to XXXX XXXX XXXX XXXX because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am receiving calls from Focus Receivables Management claiming claiming "this is an attempt to collect a debt",

when I called, the XXXX question I asked is "Is this a debt collection agency"

they hung up immediately,

the return call number is XXXX
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted XXXX and received a response from XXXX XXXX XXXX which I assumed is XXXX parent company.They could not or would not give me information on the reason they ask to see my credit report. I never heard of XXXX. XXXX XXXX XXXX advised me to have the credit reporting agency ( EXPERIAN ) investagate this but they should have know why they inquiried my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree Servicing , LLC is XXXX of the worst companies I 've ever dealt with. After being assured that I was approved for a loan modification, Green Tree kept requesting the same documents over and over. I submitted at least a XXXX packets of the same exact documents, only to be told they were never received, at which time they started foreclosure proceedings. 

They also harassed and threatened me many, many times on the phone, sometimes up to XXXX phone calls per day, often swearing at me over the phone. They also contacted my family members by phone and threatened them, as well, giving these XXXX parties information on my Green Tree debt. 

I thought XXXX XXXX XXXX customer service was bad, but when my mortgage was sold to Green Tree, I learned that their practices and customer service are XXXX times worse. My account representative, XXXX XXXX ( XXXX, ext XXXX ) was not only disrespectful and harassing, but she would not give me the information I needed, including the amount due on my mortgage. She also hung up on me many times. 

XXXX XXXX also insisted that my AUTO insurance was part of my escrow balance. I knew this was n't true and called my auto insurance company to confirm. When I called the office of XXXX XXXX, president of Green Tree Service, LLC ( XXXX ), I was given an amount due to bring my account current. I called again to confirm that the amount was correct and was given a different figure. They then insisted on transferring me to XXXX XXXX, who again, would not give me any info or payment options to bring the account current. 

I 've dealt with other Green Tree representatives, as well, and both XXXX XXXX and others noted that nonpayment of my mortgage could result in arrest or imprisonment. Green Tree pressured me to use a payment system known as XXXX, a pay-by-phone service that charges {$12.00}, even though other payment options were available to me. 

The level of incompetence of Green Tree representatives is shocking, and I hope that steps are being taken to make this situation right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I owned XXXX a payment from when we moved. I paid XXXX on XX/XX/XXXX Just received ( XX/XX/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a secured credit card with Wells Fargo. I was renting a car with XXXX. I left my secured credit card as collateral there. When I paid with the car, however, I used my debit card. XXXX accidentally charged XXXX my credit and my debit card. They then reversed the charge on the credit card. Because this charge was over my limit, Wells Fargo closed the card and refused to reopen it even after XXXX admitted fault and reversed the charge. This has negatively affected my credit even though I did not authorize this charge to be made.
Company response: Company chooses not to provide a public response
Consumer complaint: An employee stole my daughter identity and went to regions bank of XXXX and opened up a business account added my daughter and her self on the account my dauther had no knowledge of this bank address in where account was opened is XXXX XXXX XXXX XXXX XXXX fl XXXX contact person foe the bank that know what happen is XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Is regarding ExperianXXXX has been reporting on my credit report ... this has been disputed with XXXX since XX/XX/XXXX. Talked with Experian that XXXX refuses to give me ANY back up ( original date/what this was for etc ... ) Contacted experian each month to dispute again this is an invalid debt. Experian will refuses to remove from my credit bureau.. due to the fact that XXXX sends back in the portal it is a valid debt. How can this be a valid debt if there is NO documentation to back up the debt. Experian stated they will NOT remove and there is nothing they can do and it will be removed from my report XX/XX/XXXX. This is unacceptable that Experian can continue to report negative Unverified information. Not sure how this is legal for the credit bureaus to report false information and side with a collection agency vs the consumer on a debt that is NOT validPlease advise the next steps. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX I paid a debt for XXXX $ with First Credit Services out of New Jersey. The company agreed to send a letter to the original creditor canceling my membership and any further payments upon receiving payment. They charged me XXXX $ instead of the XXXX $ and had to issue a refund. Today I received a call for a debt of XXXX {$.00} Last time I paid it the company did not send the letter to the original creditor that they had promised to send. This caused the original creditor to charge me again. 

In summary, First Credit Services promised to send a letter to the original creditors canceling any further charges from the original creditor upon receiving payment, They did not, and another payment was issued. 

First Credit Services said " You pay us, we cancel any further charges and cancel your membership. '' They did n't cancel further charges or membership. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Experian is reporting XXXX bankruptcies that they state they have verified. They have the wrong address and phone number for the BK court of NJ. How can this inaccurate information be verified properly if they have wrong contact info. Furthermore I contacted the BK courts and no one from Experian called to verify. or have contacted them in any manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank is not applying extra paid on the payment to the principal they apply it to the next months payment. I called them to complain and at first I was told they do not apply the extra to principal they did not have to, and there was not way for them to do that. They do not give an option online when making payments for extra to be given or applied to principal. When I stated that is not legal then they tell the only way was to send in a check by mail with instructions to apply to principal otherwise it would be credited towards the payment/interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: A payment was sent to Bank of America without my authorization and knowledge and a account was automatically generated. Because the payment would be further delayed if I chose not to use the account that I did not authorize, or even have knowledge of. I did not receive a check by mail and by then I did not have a choice but to use the account. 
The local child support enforcement who sent the payment to Bank of America has knowledge that I was expecting my payment by check but in fact, chose to go against my wishes and have a account opened without notifying me which also delayed payment to me. 

And to insult to Injury, the Bank continuously denied transactions when I used my bank card in the store which was embarrassing, the account had available funds. The reason I 'm told is because I swiped a card that was lost/closed out by mistake, but only because I had not discarded it ( no scissors handy ). Because I swiped this card that had been closed out a year or more ago they ( Bank of America ) blocked transactions for the ACTIVE account, at their discretion meaning Bank of America reported fraud on the active account because I swiped the closed out card by mistake that is NOT even tied to the active account. 

Company response: Company chooses not to provide a public response
Consumer complaint: The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it. 

Company response: Company chooses not to provide a public response
Consumer complaint: for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: The company is ERC and it is a autodialed recording asking me to call back with a reference number provided. 
According to my financial records and the credit bureaus I owe no outstanding debit for which I am past due. 
My telephone number has been on the no call list for years.. 
The offending tel number is XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We enrolled in the XXXX XXXX Rewards debit card program in XX/XX/XXXX. 

Promotional Reward Program Problems - Visa XXXX Debit Card : We had problems receiving our rewards from the beginning. We spoke with at several different customer service representatives through the card issuer on and off about the problem over many months, with our last conversations XX/XX/XXXX about the problem. Each time we were told a specialist would return our call but our calls were never returned. 

We were told by a card issuer service representative ( at that time XX/XX/XXXX ) there was over {$300.00} in rewards that were never issued to us, and that our debit card may have been provisioned incorrectly when issued. We were also told that the system was not functioning properly and that the reward information and amounts should appear on the customer debit/credit entry pad at the store when a reward is available, and at that point we should be able to see the reward amount and authorize the payout of the reward on that store visit/transaction. To this date that functionality has never worked. 

We have relied on the XXXX store cashiers to let us know when a reward is available. We believe that many of the cashiers did not offer the rewards because they were not trained correctly. To this day, many of the store cashiers STILL do not know how to apply a reward. 

We 'd like a full accounting of rewards earned and any rewards still due since the card was issued. We have spent countless hours of frustration on the phone and in person trying to resolve these issues. 

Direct Deposit Problems : XX/XX/XXXX Direct Deposit Problems : XXXX different direct deposits were not serviced correctly. I spoke with customer service representatives on several occasions between XX/XX/XXXX and XX/XX/XXXX. Each customer service representative we spoke with could offer no reason as to why the direct deposits were failing or give a solution to resolve the problem. Each representative also promised a return call from a specialist within XXXX hours. Our calls were never returned. 

Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$740.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$710.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$2400.00} - Succeeded. Previous failed deposits, along with a current deposit were combined and finally deposited successfully. 

XX/XX/XXXX Direct Deposit Problems : Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$770.00} - FailedWe have never had any direct deposits fail XX/XX/XXXX. I 'd like to know the reason why these direct deposits XX/XX/XXXX are failing and how to prevent it in the future. We need to be assured the problem does not happen again. Also, the customer service response is horrible. Not one time have our calls ever been returned concerning any problem by a specialist as promised. 

Company response: Company chooses not to provide a public response
Consumer complaint: During a kitchen remodel of my home which I purchased in 2000 a slow leak was discovered. The insurance adjuster came and saw the damage and submitted a check for XXXX. The mortgage company said they would apply that to my monthly payment and I was to use my regular monthly payment for materials and to pay the contractor. They did not uphold their end and my mortgage was delinquent. Later m they tried placing me in a loan modification program. It was back and forth with a document missing or lost in a fax stack, so the process had to start again. This continued for XXXX more times, until my home was auctioned without me having ant prior notice. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After identity theft occurred ( and a police report was filed ) we placed a " Fraud Alert '' with the XXXX credit reporting agencies, and ordered credit reports to see what information was in them. EXPERIAN THEN MAILED OUR CREDIT REPORT TO THE IDENTITY THIEF 'S ADDRESS INSTEAD OF OUR CORRECT ADDRESS! THE THIEVES NOW HAVE ALL OF OUR ACCOUNTS AND PERSONAL INFORMATION! WE JUST CALLED EXPERIAN, AND THEY ARE VERY SORRY, BUT CAN NOT DO ANYTHING ABOUT IT! THEY NEED TO BE PUNISHED! SORRY IS NOT ENOUGH! 

Company response: Company chooses not to provide a public response
Consumer complaint: I went into Monetary Management of California, Inc. d/b/aMoney Mart for a loan. I asked how much I would owe on a loan of XXXX dollars. And the woman said I would have to apply. I filled out an application and gave it to her. She demanded my id, proof of income, bank statement and other proof. She took my picture, fingerprint, called my bank to verify my account was in good standing, and had me sign a bunch of paperwork. Then after all that she checked something on a computer she told me she could not loan me. 
I asked why would she collect all my information and have me sign stuff as if I was going to get a loan. She said it was policy and that they get audited by the state. I asked for my check back and copies of my documents and she said no. 
Should n't they have told me no before all of that? 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in XXXX and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian Inc. is acting as creditor, which is against the law. The credit reporting agency restricts investigation, indicating that they have already investigated the matter, and wo n't do it again, which is n't allowed, unless its found to be without merit, but each investigation has to judged on its own merit. In respect to Experian, there are XXXX entries on my credit report which are reported inaccurately, and a mountain of inquiries that are n't mine. The inaccuracy of credit reporting by Experian, anyone who knows any variation of your name, your actual address, and a made up social security number can access your credit report, which has happen, XXXX times on mine. Additionally when asked to verify other than by statement the accuracy of any account, Experian states that they verified it. In the last XXXX months Experian has reported an account XXXX, with account number XXXX, indicating the status, while the actual credit report in information has n't been updated in XXXX months. The Creditor reporting agency is acting as creditor for the purpose of collecting payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian ( Report No. XXXX ) re-inserted/reported a charge off XXXX Credit Card Account ( No. XXXX .... ) after previously agreeing to correction. It has been repeatedly mis-reported with false information. The previous correction only came after multiple disputes via their online system, paper letters, the XXXX and CFPB. Debt is illegally re-aged as evidenced by IRS 1099 also previously showed a balance due for the wrong time period ( s ). I learned of this only because my credit card company sent me a letter stating that I had a delinquency and as a result they were cutting off my credit. I have been damaged by the reckless mis-handling of this XXXX entry that is not only improper but violates Experian 's own internal policies. I attempted to file an online complaint on this change but their online system blocked it as having already been addressed despite allowing the creditor information to be added. I did navigate to their upload option but it was unclear whether the dispute was active or not. 

Company response: Company chooses not to provide a public response
Consumer complaint: At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a bankruptcy from 2005. It was filed ten days before the newBankruptcy laws were effective therefore does not fall under the ten year rule and should be deleted. 

Company response: Company chooses not to provide a public response