AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: It is a known fact that XXXX XXXX XXXX XXXX XXXX XXXX employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown XXXX XXXX XXXX XXXX XXXX XXXX employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance XXXX XXXX XXXX XXXX has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year XXXX XXXX XXXX XXXX XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted XXXX XXXX XXXX XXXX XXXX in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and XXXX XXXX XXXX XXXX XXXX XXXX has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of XXXX XXXX XXXX XXXX XXXX XXXX on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: opened a account with pay pal and attached my checking account to the XXXX. the money was taken out of my savings. I have filed account with paypal they state it is not their fault. Also I have a pay pal XXXX which was closed because XXXX of my payments did not go threw. I make my payments threw pay pal and my back up is my bank account. Because of the money being taken out of the wrong account and nsf charges their was not enough funds. I sent documentation to XXXX showing all the issues and the reason it happened. Also gave them a letter from bank stating their were funds in the account. They will not reopen. The issue is on the ACH paperwork which is attached. wrong coding was used the complete bank account was not used. Please see attached pw 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a collection from XXXX on my file for {$2200.00}. This bill is not reported correctly. There where XXXX people signed to this lease with all of SSN and any addiontal information they needed to give us this place to live yet under the terms Responsabilities it states Individual which clearly is inaccurate. that would mean we should be splitting this amount XXXX ways which should be {$560.00} individually. I 'm afraid this creditor is trying to report for payment from all XXXX individuals at the amount of {$2200.00}. If we all paid that the creditor could make up to {$9100.00} dollars. This is incorrect and something needs to be done. They wo n't respond to me 

Company response: Company chooses not to provide a public response
Consumer complaint: Called XXXX Suntrust HAMP Settlement Friday evening XXXX XXXX in Refrence to Suntrust Hamp settlement. My question was WHY do n't I qualify. It is a XXXX Loan. I waited on call back from XXXX neutral party XXXX XXXX XXXX XXXX on Wednsday XXXX XXXX. Got an email from XXXX XXXX on XXXX XXXX XXXX stating that I am eligible to participate in the settlement and a Participation Packet would be mailed to me at address on file. I received another phone call and email on XXXX XXXX from XXXX saying " sorry for the confusion but the person that sent me the email saying that I 'm eligible made a mistake '' and now I do n't qualify. I sent another email yesterday XXXX XXXX asking to give detailed explanation of why do n't I qualify when my loan meets all the requirements to be eligible for settlement. A lot of confusion going on. I would like to know why I 'm not eligible when my loan fell in between the time frame for the Suntrust HAMP Settlement. I filed XXXX loan modifications in XXXX and XXXX during the HAMP settlement time frame.. They asked for documents that I had sent repeatedly leading up to my foreclosure date. I made XXXX trial payments. The loan was a XXXX loan. My loan # XXXX. Property address was XXXX XXXX XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion file XXXX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/XXXX. XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX XXXX! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX XXXX. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX XXXX and having my credit scores raised for the months of XXXX and XXXX XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX XXXX and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for XXXX the months of XXXX and XXXX of XXXX. Moving forward I give written consent to enter my credit profile. I have attached the creditors letters and receipt of XXXX XXXX XXXX to reflect no lates during my purcase and no lates to reflected on the auto loan before I filed BKXXXX in XXXX XXXX and had the BKXXXX Discharged. XXXX to supposed to show the debt is paid in full and should reflect a zero balance. In addition to XXXX for a medical bill that was paid by Nevada XXXX XXXX see attached XXXX ). 

Company response: Company chooses not to provide a public response
Consumer complaint: We have AT & T Universal card for many years. My husband set up automatic withdraw account with them. We wanted to make sure the automatic withdraw account really worked. I called XXXX XXXX XXXX customer service and asked " Do we have an automatic withdraw account? ". The representative said " No, you do not have the automatic withdraw account. ". He send me the application form for automatic withdraw account. We mailed out a check {$1500.00} to them to pay for the bill. XXXX XXXX XXXX cleared the check onXX/XX/XXXX XXXX. They withdrawed {$1500.00} from my bank on XXXX XXXX. I called XXXX XXXX XXXX. They said I need to talked to my bank, XXXX XXXX. I talked to XXXX XXXX. They gave back {$1500.00} on XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX presented my check {$1500.00} to XXXX XXXX again and cashed out the money. I was so mad and called them. Finally they returned the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have student loans that do n't belong to me on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I first bought and moved into my home in XXXX, NV, in XXXX 2011, I called XXXX XXXX to provide wireless internet service. A technician came out to install the system, but was unable to get a strong enough signal for wireless service. I called the company to notify them, asked them to cancel my service, and initially they said they could not since they had sent a technician out. I persisted and stated that I would not pay for service that was not provided. They relented and said they would cancel all charges. Then I received a bill from them. I called them again, restated what had happened, and the customer service rep said she would reverse the charges and zero out the account. Nevertheless, a year or two later, they had sold the debt to a collection agency who now tried to collect from me. I explained the situation and they agreed to drop it. Now this year, another collection agency is pursuing it. I asked them for the billing statements to substantiate the charges, they said they would provide it to me, but never did. I thought the matter ended, or at least until the next collection agency gets it. 

Although the supposed amount owed is only {$73.00}, I refuse to pay for service that was never provided, and for which an agreement was supposedly reached, only to have them renege and continually resell it in their package of bad debts to collection agencies. I do not owe this money, they failed to provide the service I sought, and this matter needs to end. 

Finally, I have an excellent credit rating because I honor my responsibilities and obligations. This is NOT a legitimate charge and I refuse to be held responsible for it. I have read many online reviews that XXXX XXXX chooses to conduct business in this manner, and I will not give them money they did not earn, that they told me was XXXX out, simply out of fear they will report it to a credit bureau. 

Unfortunately I do not have any documentation, since I throw out my bills after one year 's time, and did not have any remaining bills by the time a collection agency contacted me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, Wells Fargo had charged me XXXX in overdraft fees, and and I had 30 days to pay off the account instead Wells fargo took the XXXX from my other account and settled the overdrawn account, and the 30 day time frame was not up. Which I was misinformed about how to close the account. I was not given the proper procedures. This is the second issue I had about Wells Fargo and their overdraft fees. The account was supposed to been closed in XXXX 2015, but as of today I found out that Wells Fargo did not closed the account. I called a rep on XXXX/XXXX/2015, little did he wanted to do anything about it. The company is in denial. 

Company response: Company chooses not to provide a public response
Consumer complaint: never lived in XXXX ms 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2009 I was approved for a short sale due to divorce with BOA. It has been a nightmare since then. I have had to dispute their payment status on the APPROVED short sale on multiple occasions. I have sent them letters and they have corrected the status to paid. Today I received an alert XXXX that my payment status is " LATE " on the mortgage was settled back in XXXX 2009. I have already disputed this item so I am unable to dispute with XXXX bureaus because this problem continues 6 years later. I have sent letters directly to BOA and all was corrected. 
I am currently in the process of closing on a FHA approved loan and now there are lates in my payment history. I am closing on XXXX XXXX and need this corrected immediately. There are multiple phone # 's listed for BOA and I am frustrated that the payment status continues to change and I can not seem to resolve the issue permanently. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Bank of America checking account for 12 years. Got an email while I was out of town that my debit card had been cancelled. Called them and they said there had been a data breach and they were sending me a new card ( which XXXX had already done. ) Card never came. So they cut off my debit card to merchants. I called them and told them I wanted a new card the next day. Of course, it never came. They finally cut off my debit card for use at ATM 's. Leaving me nothing but checks. I had over {$2000.00} in my account, have not changed my address for over 6 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America solicits you for overdraft protection. Which costs me {$10.00} per month or so. Then, if Bank of America utilizes the overdraft protection from my savings to my checking account. They will charge me {$3.00} per transaction. So, they offer this service that we have to pay for and then they charge me to transfer the money. I have been charged for this service. How is this servicing the customers? This is ridiculous. We are losing money we do n't already have. This is a serious issue and I am not sure who all knows about this rip off. 

Company response: Company chooses not to provide a public response
Consumer complaint: A Wells Fargo bank teller asked me about a cashiers check that I wanted to deposit into my checking account. She asked me what the check was for. I told her that it was a personal business matter, and that I was insulted at what she may be insinuating. She called her co-worker over, because she wanted me to tell her what the money was for. The co-worker said that they simply wanted to check the " validity '' of the check. It was a cashiers check from XXXX in XXXX, Az. The teller then chose to freeze all of my assets, and said that she wanted to do an investigation for my protection. However, the justification ( s ) she used for the investigation were that I had refused to answer security questions, which by the way would not be needed with me standing in front of her with all of my credentials and proof of identity. I simply did not want to tell her what I was going to use the money for. She clearly created a power struggle because I would n't tell her exactly why I was issued a cashiers check for a measly {$1900.00}. I am furious! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was involved in a car accident and my vehicle got totaled out and my insurance company was responsible for paying off the car the had written up a settlement which I have a copy of and has sent XXXX a check for a little more than XXXX and gap insurance was responsible for paying the remaining balance gap had yet to send in their portion of the check to finish paying off the car so XXXX put on my credit report that I was XXXX days past due for a payment after recieving the check from XXXX XXXX. This process is stopping me from being able to get another car because of this inquiry my credit score has dropped it was XXXX and has dropped to XXXX. I was never late with a payment on anything and when I did have my car I was never late on a payment with them. I 'm trying to get a new car and because of what they did to me it 's hard because of my credit score being so low now please help me 

Company response: Company chooses not to provide a public response
Consumer complaint: This collector, Western Portfolio Assets, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ). 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have my credit report access blocked by experian for seven years. The company has denied access to my credit profile to credit inquiries over the last seven years. when i have submitted information requested by experian to resolve this matter i have had a catch XXXX response. experian denies that access to my credit file is blocked and when i applied for credit the reply received from XXXX is that Experian has blocked access. 

This rigamarole has continued for 7 years and Experian has been consistent on XXXX XXXXl that they have blocked access. 

I have started paying protection money to Experian in the hope that my problem will be addressed if I make ransom payments. Unfortunately even this effort failed because Experian still continues to deny access and block anyone seeking to access to my personal records. 

Without debating the extortion practises of Experian is there anyway assistance can be provided to help resolve this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is not mine was opened in my name not by me and this should be taken off my credit thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A complaint was filed with Wells Fargo regarding my daughter being associated with a credit card. Wells Fargo sent a letter to my daughter informing her of the deletion of the account and it being removed from her Credit File. I just recently discovered that during this process Wells Fargo changed the account number and then associated my name with my daughter 's Social Security Number. Also the letter referenced above and attached states remove the account ending in XXXX but my daughter and the credit bureau did not receive a letter to remove the newly created account number. The account that belongs to me was removed from my credit file and remained on my daughter 's credit file. This is causing a major problem because she was in the process of applying for a mortgage. So I am dealing with Wells Fargo associating my name with my daughter 's Social Security Number and I am getting pushed around from department to department, customer service reps in call centers that just read notes. Switching Social Security numbers is a serious issue that is now affecting us both. I am asking for Wells Fargo to first correct the social security number problem that was created by them ; get the account back in my social security number and have the credit bureau remove my daughter 's name from everything associated with this account which is what Wells Fargo said they would do. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I sent a check for {$99.00} to Citibank as payment for my wife 's credit card. The money was not applied to her credit card. Instead, it was inadvertently applied to XXXX of my closed credit cards which was discharged in a bankruptcy in XX/XX/XXXX. I called Citibank on XX/XX/XXXX and inquired about the payment, informing them that I had mailed a check for {$99.00} for my wife 's Citibank credit card, but the payment was not showing on her account. Citibank informed me that they had mistakenly applied the {$99.00} to XXXX of my credit cards that had been discharged in a XX/XX/XXXX bankruptcy instead of my wife 's current Citibank credit card. They then informed me that they would be mailing a refund to me for {$99.00} no later than XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received the refund. I contacted Citibank again today and they told me that there is a possibility that I will NOT receive a refund, without giving an explanation why. As stated earlier, Citibank has acknowledged their mistake by applying the funds to an account which was closed in XX/XX/XXXX and discharged in bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX messages on my phone from a XXXX XXXX from Element Global Services saying he is going to charge me with theft of merchandise and have me arrested over my credit card debts he also called my mother who is sick and elderly XXXX times after he was told do not call he called her names and said she better give me the messages he then called my soon to be ex spouse on a number that should have never been found out and told him watch out and watch what he does I called my local police non-emergency and was told I should do this before making a harassment report on him he has called from many different numbers from XXXX NY and XXXX XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers