AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A woman from a collection agency for XXXX XXXX called me at XXXX from the number XXXX XXXX XXXX XXXX. She was calling about a debt I owe to XXXX of {$150.00} or so. When I told her I was not working, not eligible for unemployment insurance and I do not have any money, she prodded me to get friends and family to help me. I told her that they are already helping me as much as they can ( I am living with family and they are making sure I have food and have access to a phone, car and car insurance so I can continue to look for work ). 

I explained to the woman that I recently got divorced and have a lot of bills that have added up. I told her that I am aware of the debt and plan to pay it as soon as I can. She then asked which bank I use. I told her I will not give her that information and she proceeded to tell me that I may as well just give it to her since they 'll keep calling and get it eventually. Then she started raising her voice and and said " Are you trying to say not to call you again? Is that what you 're trying to say? ". I told her that it is illegal for her to harass me and that I had already told her I am aware of the debt, I do not have any money, and I plan to pay it when I am working and can take care of it. I told her that I was n't telling her not to call me again and she was talking over me, yelling and arguing. Eventually, she hung up on me. 

This conversation is the most adversarial and nasty one I 've ever had with a debt collector. It left me shaken up. I had a scheduled phone job interview with a potential employer right afterwards. I 'm hoping answering this woman 's call did n't affect my manner on the phone. 

I am trying my best to find work and be able to support myself again. I do not feel it was fair or legal for this woman to verbally abuse me on the phone. I answered the out-of-state number, knowing it was probably a debt collector, because I 'm being as responsible as I can. I do not like having outstanding debts and I try my best to deal with everyone who contacts me in a fair and respectful way. I am in an unfortunate spot in my life at the moment that will hopefully pass soon. Being abused over the phone by a debt collector adds insult to injury. 

I reported this because I do not want anyone else to be treated the way I just was. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is a collection agency and they added an item to my credit illegally. By law they have to notify me of the debt and allow me 30 days to dispute it. I was never notified of this debt, nor given a chance to dispute it. This debt is not valid as I was living in an apartment unit that was not safe to live in and had to move. Shortly after I moved, the units floor collapsed and rendered the property condemned. Since this company failed to notify me of the debt in a timely manner and failed to allow me to dispute it, I can not rent with any other landlords. Them adding this to my credit illegally has affected my ability to get a place to live. The landlord was given proper notices and opportunities to fix the unit I lived in but failed to do so. I legally vacated the unit and there should have been no further charges or debts. If this company would have notified me of the debt, I would have showed all the proper evidence to justify my moving out, therefore it would have never appeared on my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I would like to file a Severe Complain to Reliant Capital Solutions LLC XXXX OH XXXX for Fraud misrepresentation after notification in writing for improfessional collection activity practice regarding a case XXXX for XXXX XXXX XXXX XXXX XXXX University for the amount of {$19000.00} the Student never attend to Class and CampusWe present the dispute in writing with the support evidence documentation, the company constantly acting with treats phone call with not respectful and adequate language and ethics, they violated all the ruling under collection of the consumer act and license 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America changed my credit card number. XXXX issued a credit under my old number but never posted to my account. BOA tells me that they can see the credit under the old account number but because of recent changes to their software platform it has not posted under my new account. This credit was issued over a XXXX ago. I have talked to their Customize Service and Electronic Transactions departments several times without any success. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 
The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 15 days. 

Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX XXXXBanks and XXXX & XXXX BANKBanks and XXXX & XXXX XXXX Credit XXXX XXXX XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX CT, XXXX, OH XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had bought a vehicle from Express Credit Auto in XXXX. When we signed the contract, the salesman put a stack of papers in front of me and had me sign one after another without letting me read them. He said it was n't necessary because it was all standard paper work. I asked him if the Vehicle had a cutoff device, he said that they no longer used those devises. In 2014 I went through several months where I was having problems paying. Express credit said that they would put the payments to the end of the contract. Later I was at my brothers house and when I tried to leave the van would not start. I was 3 days late on the payment. when I called them they said I would have to make the payment plus a cutoff fee or they would n't turn on the van. That 's when I found out that the van had a GPS Tracker with a cutoff switch and that they had lied about the cutoff switch. I also found out that they could track every place that I went. They agreed to turn on the van but it would immediately disable if I made another stop. I was forced to go directly to the dealership and make the payment. I consider this a form of soft repo. Later I went and got a ledger of payments from them and on reading the ledger, I found out that they had closed the original contract that I signed and refinanced the vehicle without my knowledge or consent. They also showed on the ledger that they had returned {$6700.00} dollars to me during the refinance. I never received this money or saw a check made to me. They also altered they contract by adding a personal protection insurance on the vehicle in the amount of {$2300.00} without my consent which made my payments go up. I am now in the process of fighting them because they committed fraud by closing out the contract, refinancing, and altering the contract to their benefit. Also by telling me that the vehicle did not have a cutoff device with GPS. I feel that by tracking my vehicle everywhere I went, constitutes an invasion of privacy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our mortgage if with XXXX. The servicer is XXXX. loan services. Our mortgage is in default but we have taken every step to rectify this mortgage. We no longer have any car payments, credit card balances or tuition payments. We only have our mortgage which we are trying to modify with SPS. They have to date given us no options even though our monthly gross income is over XXXX. Per the suit filed by the XXXX Treasury XXXX was to have programs available for homeowners such as us. They have never made the XXXX attempt to talk to us about our situation. 
We are asking for any assistance from you that would help us stay in our home. 

Thank you. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX and the XXXX were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I requested a per-approval letter from XXXX mortgage to buy a home. XXXX Mortage lender XXXX XXXX, pull my credit history without my approval. he told me that he can not issue a pre-approval because he did not have my XXXX forms for the past years. i said my accountant is on vacation and i can not current get them. i asked him to withdraw my application. However XXXX XXXX pulled my credit history and that damaged my credit. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bank of America, : I had a mortgage account of {$56000.00} established in XXXX. In the year XXXX I refinanced my mortgage with another bank in order to obtain some of my equity for medical reasons. During those XXXX years, I was late on paying my mortgage in XXXX instances : that was on XXXX XXXX. I paid a late fee to the bank the next time I paid my mortgage. I do not believe that XXXX episode need be labeled as a negative connotation. There service to me contained many withdraws negligently and without reason taken out of my account then " corrected '' and put back after my correcting the bank in their error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been banking with Bank of America for more than XXXX years and had no issues with them until recently. Several years ago, they enticed me into signing up for a preferred debit card. They explained to me that this card could be used as a credit and debit. When I would use the card to purchase items, some stores would swipe it as a credit card and I did not have to enter my PIN as they say they were not equipped to use it as debit. I thought that I had no other credit card with the Bank as it was a part of the XXXX card. In XX/XX/XXXX when XXXX XXXX through XXXX of its subsidiary, XXXX was charging {$29.00} to the card ending in XXXX, the Bank was automatically doing a direct debit from my account. When I reviewed statements, and only saw a direct debit payable to FIA Card Services, I thought it was the amounts which were charged to my card when the stores could not debit it. Since I did not anticipate charges on any other card, I did not question the bank as I trusted them. I do n't recall authorizing the Bank of America to debit from my debit account any amounts from a credit card ending in XXXX. I do n't understand how this happened. When I discovered a scam on my debit card in XX/XX/XXXX I went to the branch of Bank of America at the corner of XXXX XXXX and XXXX. I cancelled my debit card and asked the manager, XXXX for a payoff amount to pay off the outstanding amount on the debit card. The manager told me that there was a separate card out there that only a XXXX was charging {$29.00} a month to since XX/XX/XXXX. I could not believe it and immediately called XXXX and the Bank 's fraud department and everyone to help me straighten it out. XXXX XXXX XXXX XXXX XXXX returned XXXX of the charged to the account and approximately XXXX are outstanding. I spoke with many managers and customer service representatives of the Bank and they say they can not help me. Their fraud department said it is not fraud. If it is not, they must be in concert with XXXX or XXXX. I requested an account of all charges ( what items were purchased ) for the amount that the Bank say is outstanding on the card ending in XXXX and to date the Bank have not provided me with that. The last person I spoke with at the branch bank, XXXX said that the Bank of America and the credit card division is separate entity and they can not help with them even though it is someone at the branch bank who signed me up for the card ending in XXXX. I do n't understand what is going on, but please have the Bank go after XXXX for whatever they claim is owed to them. They keep on harassing me for payment. The Federal Consumer Protection Agency and FTC said that the FTC have a settlement claim against XXXX and Bank of America, yet Bank of America refuses to give the form the Federal Consumer Protection Agency instructed me to get from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today Friday, XXXX XXXX, 2015, at around XXXX, I came with my mother to get a check deposit. We had to wait a long line. Finally we got to the counter and met a guy name XXXX. Because my mother had an issue about the check and already talked to another man named XXXX so XXXX told my mother to come back which is today. XXXX then called XXXX to come and talk to us, and XXXX made us so confused, the check can be deposited but he said he was not sure, etc. ( although my mom has resolved this issue with XXXX before and now she was just coming to deposit ), and he turned us to the advisor named XXXX ( she was XXXX ) because he thought my mom did n't understand him. When my mom talked to XXXX I was n't there but when I came back my mom said XXXX told her that just deposit it. Then we had to wait a long line again. When we finally came to XXXX, XXXX called XXXX to come. I then know why my mom did n't understand because XXXX talked to her with the most unrespected way ( my mom is old ), XXXX was very impatient and despised her which made me nearly cry since I was standing there and she was my mom! The check finally got deposited ( thanks goodness! ), that take hours which actually could be done in a few minutes right in the beginning, what we received was both confusing and feeling tired, insulted. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Nationwide Credit , Inc. ( " NCI '' ) frequently contacts me more than once per day and more than federal laws allow. At times, the telephone calls take place up to XXXX times in a single XXXX hour period. See attached copy of the XXXX XXXX, 2015 demand letter for additional details and examples. 

Although NCI received the demand letter on XXXX XXXX, 2015, they continue to call me repeatedly. XXXX has called me no less than XXXX times between XXXX XXXX and the present date. See attached : copy of certified mail receipt ( front and rear views ) and photographs of my cellular telephone log. 

NCI also violates federal law by failing to provide me with the information to which I am legally entitled. On XXXX XXXX, 2015, I verbally communicated a request to receive both a verification of my debt and a current statement of my account to a collection agent known to me only as " XXXX. '' Although this person told me that I can expect to receive the requested information and that it would come from a Pennsylvania address, I never received anything from NCI. For this reason, I have no contacts, monthly statements, receipts or additional correspondence to submit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a 48 month auto loan with Westlake Financial Services payment of {$370.00} which is due on the XXXX of each month at the end of my 48 month term with a balance of {$900.00} which was due on XXXX/XXXX/15 on XXXX/XXXX/15 I only paid XXXX of the balance because of the high balance that all I had. And I told them that when the call kept coming every day XXXX a day or more after the XXXX of XXXX. They said the call will continue every day unless I hold it with a credit or debit card and told them every day that I will make the final payment when I receive my XXXX check on XXXX/XXXX/15. The call continue and I answers everyone and answer every question concerning my address it same thing everyday from the home phone to the ceil phone which I ask them to remove over a year ago because the ceil verbal and in writing. These past 21 days been a nightmare 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft/charges being placed on my account that I was not responsible for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When I started out going to school, I was forced to get a private school loan from Genesis Lending, XXXX. XXXX XXXX, OR XXXX, I started in XX/XX/XXXX and was paying Genesis Lending from the time I started, and XXXX University and XXXX have a Law suite right now with over charging me and other students like me, I put my trust in them and now I am forced to pay higher school loans, I think this part of my school loan should be FORGIVEN, I have called Genesis Lending today XX/XX/XXXX and they basically told me to just keep my account current, so please help me and forgive this loan. Genesis Lending phone number XXXX. Thank you for your understanding. I was only trying to better myself and get a good job and XXXX XXXX XXXX University took advantage of my and others as well, I am so upset that this could happen, so please understand I am not made out of money!!! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I attended XXXX XXXX school in XXXX Georgia. The program lasted XX/XX/XXXX through XXXX of 2014. I graduated in XX/XX/XXXX and have been paying Sally Mae XXXX $ per month ( I was set up on automatic payments ) Last month my automatic payment went from XXXX $ to XXXX. They did not notify me of the change and my checking account is now overdrawn with around XXXX $ in overdraft fees. I called Sally Mae and they said my payment is now XXXX. I told them that I was not working in the field I was trained for and that I could not pay that much a month ( that amount is more than my rent and car payment ) I can not pay that amount and be able to pay my rent or buy groceries. I asked if the payment could be lowered until I get a better paying job which I was trained for. They said no. I told them that I was not going to be able to pay my rent this month. Finally after talking with a " manager '' I was told that for XXXX bucks they would credit my acount the XXXX. That was over a week ago and they have not credited my account. I am still overdrawn at the bank and at risk of being evicted from my houde because I am negative XXXX in my checking account. Not only is Sally Mae unwilling to work with me and lower my payments to something affordable until I get a better job, they lied to me and have not refunded my money so I can pay my rent and utilites. I just want them to work with me and do what they said they would do so I can get back on my feet, be assured that I have a place to live, so I can actually keep my job and pay my bills. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My daughter and I requested the information from the XXXX private lenders to pay college tuition. XXXX Loans gave as the best rates and we decided to proceed with XXXX. We never agreed to get any money form the XXXX.How big was our surprise after I received a negative statement form the University. XXXX student loan sent money to the college without my or my daughter approval and started to collect their fees!!! We demanded to return full amount back to XXXX but now XXXX sold almost {$100.00} " debt '' to the collection agency. Please advise. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: very very very old debt, out of the statute of limitations, paid in full years ago, and the company has a collection agency attempting to collect the same debt again and its expired from 6 years statute ... I have sent them cease and desist letters and they have not complied. please help 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I responded to a marketing message from PennyMac and inquired about a refinance. I received a quote from XXXX XXXX and advised him that I will continue to shop around. I ended up finding a better deal and informed XXXX and PennyMac customer Service that I will not be moving forward with them. I heard no response from XXXX since, today I received a package in the mail that was sent to my address and had my home on the loan documents. However, there was PII data from another PennyMac consumer. 

Company response: Company believes complaint is the result of an isolated error