AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My ex-girlfriend opened this account while we were together, without my permissions, using my social security number and date of birth. I was home at the time, and she had gone to the XXXX store she worked at. XXXX ( the company alleging I owe this debt ) had a sales rep at XXXX stores at the time, and this is how she signed up for XXXX service in my name, using my information, without my knowledge or permission. 

I noticed the debt when our relationship ended and I moved out. I disputed it, and submitted as evidence the surveillance video of the XXXX store on the day and time this account was opened, showing that I was not present at the time. 

I submitted a written notice of dispute to XXXX in XXXX 2014, and alerted the XXXX credit bureaus. After submitting evidence, it was settled and removed from my credit reports. 

I 've just received a collection letter from Enhanced Recovery Company , LLC, alleging that I still owe this debt. This is unfair debt collection practice as this debt was determined to be the result of my identity being stolen. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: THIS DEBT IS NOT OWNED BY ME. I HAVE BEEN A CLIENT OF XXXX SINCE XX/XX/XXXX AND HAVE THE SAME PHONE NUMBER REGISTERED WITH XXXX. I WOULD NEVER CONTRACT TO XXXX AS I DISLIKE THE SERVICE AND HAVE NOT FORGOTTEN MY XXXX EXPERIENCE WITH THAT COMPANY IN XX/XX/XXXX. PLEASE PROVIDE FULL VALIDATION FOR THIS ACCOUNT ; SIGNED CONTRACTUAL AGREEMENT ; WHERE THE ACCOUNT WAS OPENDED ; HOW IT WAS OPENED ; HOW THE SERVICE CHARGES WAS PAID ETC., 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Recieved multiple ( at least XXXX ) calls in XXXX days time frame. Never left a message. When I called back to see who was calling, I was repeatedly hung up on. When I was finally able to see why they were calling they said a debt was owed. When I asked for details I was transferred to another person to and started the process over again. Then I was hung up on again. I called back XXXX times and spoke to XXXX different people. When I asked for details on the debt, I was hung up on. When I called back, I asked to speak to a manager and was hung up on. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've had a Bank of America credit card account opened for the past three years, with an available line of XXXX dollars. Now recently, I 've had financial hardship. Hardships including Foreclosure on my parent 's home ( I still live at home since I 'm a full time college student ), an immediate family member in the hospital, and myself having to pay out of pocket for tuition. So overall, what had happened was I fell behind on my credit cards. I 've made arrangements on every single one, assuring I would n't be charged off. Out of the XXXX I have, Bank of America was the only one that essentially mislead me. I called on XXXX XXXX, telling them I was going to pay off my past due balance in full on XXXX XXXX. Their response? " No problem! I 'll make note on your account ''. So I figure that 's a good thing, right? Next thing I know, it 's XXXX XXXX and I ca n't log into my credit card account. I called the branch thinking it was just a technical issue, and they told me I was charged off the very next day? When I had arrangements? I told the representative that I had documented arrangements, and she told me she could see them. However it was n't " the right department '' that filed these arrangements, therefore could still give them the authority to charge me off. That 's just bad customer service, and if the wrong department made these arrangements, why give them the authority to look up my credit card information and essentially give me misleading assistance? I 'm very upset. I 'm XXXX years old, and now I have a charge off on my account ( that they refuse to reverse, since it 's 'out of their hands ' ). I need a solution to this, because I feel as if this was completely wrong. I ca n't say if this is illegal or not, I 'm not that aware of credit card laws. But this is n't right - XXXX person telling me what I did is sufficient to get my credit card back on track, and then the next day someone telling me rudely that I was n't responsive. Yes I was - I called the branch. That 's responsive. 

Company response: Company chooses not to provide a public response
Consumer complaint: I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows XXXX, but when I contacted this number the recording states, office of XXXX or XXXX I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from XXXX. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from XXXX. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after XXXX years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: disputed a bankruptcy that is listed on my credit report. It has been over 7 years and they continue to list it on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed extra charging complaint against Bank of America XXXX Bank of America refused send and showed my rent check of XXXX with sad icons on check because of I do not like Oregon resident on Bank of America paper check, Please Release rent check with sad icons must release information to U.S. XXXX at formal requests to male attorney allows looking at sad icons at formal requirement meeting with me in confrontation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank failed to fulfill its guarantee to pay any late fees associated with payments sent through their Bill Pay service that are delivered late. 
My mortgage payment was scheduled to be sent on XXXX XXXX, and was guaranteed to be received by XXXX XXXX. It was not received until XXXX XXXX. 
" If Wells Fargo does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges that you reasonably incurred as a result, provided that your account was in good standing with the payee prior to this incident. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I ordered a furniture set from Sears using their credit card. I received a bill for {$760.00}. The bill was due on XXXX XXXX, Saturday and I sent it in 7 days prior to the day it was due because it was a Saturday. I paid the amount in full. On XXXX, I received another bill from Sears with a fee charge of {$25.00} and interest charge of {$14.00} for a balance of {$690.00}, not even sure where that came from I have no balance prior to the above mentioned, totaling {$39.00}, because they did n't cash my check until Monday. I have noticed while reading comments that many people have had this problem and because Sears was n't resolving it they were getting more fees tacked on while disputing. I sent a letter to them on XXXX but I would like to make sure it gets resolved so I do n't get additional fees. According to the new law when a payment falls on a weekend, holiday or when the business is closed I should not be subject to late fees.According to their rules you can call them but they are not required to investigate without a letter, so I did n't bother to call. 

Company response: Company chooses not to provide a public response
Consumer complaint: Like many of the military veterans USAA serves, I filed for bankruptcy. I immediately confirmed my intention to pay my vehicle loan in full. However, USAA eliminated online access to the loan and refuses to even send paper statements. The only way I 'm allowed to verify account information is to call a separate phone number that rarely works, apparently due to under-staffing in the bankruptcy department. 

USAA will permit you to set up monthly automatic payments for your loan, but a representative warned me that they do not stop the payments once the loan is paid off. After inexplicably making it more difficult for members in bankruptcy to access their accounts, the policy of accepting over-payments is tantamount to stealing from USAA 's most economically vulnerable members. 

USAA also blocks members who have come through bankruptcy from full online account access granted to all other members. I was told this was " corporate policy. '' Considering the unique financial challenges facing so many of our nation 's veterans, I would hope USAA would support ( rather than exploit ) members who go through bankruptcy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I want to file a complaint against this collection agency XXXX American Collections Enterprise Inc XXXX I requested a debt validation because these accounts just appeared on my credit report without any written notice to me or how I can dispute the debt or seek verification after five day of our initial contact, which is a violation of the Fair Debt Collection Practices Act section 809. They also stated to me that they were not the original creditor. 
Furthermore ; I do not think that I owe these debts. I spoke to XXXX XXXX who was very rude and would not provide me with the information that I requested over the phone, pertaining to which XXXX accounts numbers were listed on my credit reports, she said there was XXXX accounts that I had with them and all XXXX was on my credit report, which is not true. XXXX XXXX and XXXX XXXX was very evasive when I inquired about these accounts and not straight forward. XXXX XXXX and XXXX XXXX also told me that these accounts been on my credit report for years, which is not true. If you refer to the attachments that I provided, ACEI place these XXXX accounts on my credit report on XX/XX/XXXX. The Original Creditor that is listed on my credit report is ( XXXX XXXX which was purchased by XXXX back in XX/XX/XXXX. I contacted XXXX XXXX Maryland on XX/XX/XXXX and they could not provide me with any information on any of these accounts. As I 'm typing this letter to you I still have not receive any written notice or debt validation from American Collections Enterprise Inc to this date. 
I would like all contact from them to cease if they can not provide me with some validation and proof of them owning my account. I also want all accounts from ACEI removed from my credit report ASAP. I also filed a complaint with BBB Better Business Bureau which they responded saying that the validation of my debts were mailed to me on XX/XX/XXXX, which is a lie. I would like them to provide me with proof that they mailed me anything on XX/XX/XXXX Better yet, I would like them to mail me the debt validation again via priority mail asap. 

Please see all of the correspondence and attachments between us thus far. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to check my credit report but I am unable to do so because none of the questions nor answers pertain to my history. I suspect they 're must be an issue due to identify theft. I need more information as to what my next step should be in order to get my report and if they 're is fraud I can get this straightened out sooner than later. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am disputing a collection on my credit report that is keeping me from obtaining a please to live. The account is with an apartment complex I never lived in. I found out that my daughter put this apartment in my name and has failed to pay the delinquent amount owed. I did n't find out until I relocated and is unable to get an apartment due to this on my credit report. They are unwilling to work with me on a payment plan due to the age of the account. This not being my responsibility am I liable and what steps due I need to take to correct this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used the Experian site to receive my credit report for {$1.00} as advertised on the site, but without my being aware of it the company also signed me up for a credit report monitoring service with a monthly fee, and I did not realize it until I saw an additional charge of {$21.00} on my credit card the following month. The company did cancel the " subscription '' after I contacted them, but they refuse to refund the {$21.00} fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: Before XXXX 2015, I have a credit score in middle XXXX on all XXXX credit bureaus. After being denied credit I discover all kinds of wrong information on my credit profile. So I file an Identity theft report with the XXXX Police Department, in XXXX, XXXX XXXX File # XXXX ). I send the report to the XXXX major credit bureaus and the creditors. All the creditors and credit bureaus deleted the information from my credit report quickly except Experian. XXXX of the creditors told me that Experian is the XXXX that had cross referance my file with someone else with the same name. My name is XXXX XXXX XXXX XXXX Address ) XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX. My DOB XXXX ( SSN *********** XXXX. And that is the way i apply for credit and that is the way the creditor report my information to the credit reporting Bureaus. After sending Experian a copy of my ID and SS Card that tell me that they dont have no information in there database under that information. Which is a bold face lie and i told them so and that their job is to apply the information in there database exactly like the credit provider report it to them. On a credit report that I have from them is show a difference SSN and Several addresses and phone number that i know nothing about. And they refuse to correct this misinformation. This has cause me denied creditXXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result. 

Company response: Company chooses not to provide a public response
Consumer complaint: I own a XXXX Home Depot XXXX Card. The very fisrt purchase was fraudulent. When I received my statement and realized the charges were fraudulent I went to the XXXX store to report the incident. The manager called the Home Depot Credit Department. I reported the incident to the police department XXXX and gave Home Depot the XXXX Police Department Phone Number and case number and the information was included on the paperwork sent back to Home Depot. When asked who I thought might be responsible I mentioned a name of a person working at my office who may have picked up the 2nd card out of my deck and used it - but I am not 100 % sure. When I asked the person if he had the second card he said he 's not sure but if he did he lost it. I have tried to contact the fraud department at Home Depot at least 6 times and when I finally get to the Fraud Department the line disconnects me. I believe I have taken all the necessary steps - reported the incident immediately upon realization, called Home Depot, cancelled the card, filled out all the requested paperwork, followed up, reported the crime to the police department, the person I think committed the fraud has been arrested before on stealing property and fraudulent use of credit cards. I am attaching all the paperwork for you to review. I continue to receive bills from Home Depot adding service fees and late charges - and I would like this entire incident to be cleared up as soon as possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting calls from Wells Fargo on a mortgage that exists with a person I do not know. Wells Fargo has been told about this and still calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: Yesterday I made a deposit via mobile banking. I verified the bank received my deposit. It was added to my balance, so my checks were covered that I wrote on XXXX/XXXX/2015This morning,XXXX/XXXX/2015, I checked my bank statement on line, and I had a overdraft fee of {$210.00}. My bank statement shows that my account was overdrafted only because of the {$210.00} that the bank took. I spoke to Regions bank at several levels and was told that the statement presented on line is not accurate. Why? 
Regions has overdrafted my account for the past 4 months, everytime I have used mobile banking or, looked at my statement at night only to wake up and find that they changed the order of checks already processed with something pending to create an overdraft. 
I am not perfect and I have a mom on my account that sometimes uses the check card without telling me, so I can understand an overdraft here or there, but we are talking about {$700.00} to {$800.00} in the last 4 months. There is no cooperation from the bank. All I am told is that I overdrafted my account and there is nothing they can do to reverse it. 
Something needs to be done. I am very frustrated. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not mine and has previously been removed from my XXXX Credit report. This company " Commonwealth Financial Systems " continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by Commonwealth Financial Systems to be mine, but both companies Commonwealth Financial Systems and XXXX have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. Commonwealth Financial Systems need to be held accountable for their false reporting of collection accounts. I am requesting Commonwealth Financial Systems provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When Commonwealth Financial Systems fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with Equifax on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If Commonwealth Financial Systems denies this I can download proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and Commonwealth Financial Systems needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all three of my credit files where it is listed XXXX, XXXX and XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Company ( Enhanced Recovery Corporation of XXXX, FL ) filed a collection which turned up on my credit report. The collection is for a debt dating from XXXX 2009, which is past the statute of limitations ( SOL ) for Florida. The company never contacted me via mail or any other method. When I called and pointed out the debt was past the statute of limitations, I was told they could not help me. From the company 's information it appears they assumed the debt after the SOL had past, indicating they knew it was invalid, but were attempting to collect regardless. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If North American Recovery denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and North American Recovery needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX issues:1 : US bank told me that interest on my HELOC will be prime + XXXX. This was confirmed via email after the loan amount was changed. However, my HELOC ended up being prime + XXXX. When I contacted the bank, they told me it is because the amount of loan was changed. However, I have an email from them ( please see attachment ) stating that the interest rate will remain the same even though the amount was changed. US bank will not honor their own promise. 
2 : In the closing documents which I signed I was charged a lower amount for the notary than the actual amount. I had to ask for the final document and find out for myself that the amount was larger. They would not honor the document we both signed. I have the documentation if you need them. 

Company response: Company chooses not to provide a public response