AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is a copy of the email I sent to CitiBank, concerning their deceptive policy regarding autopay which advertises that the will pay off the balance on the due due date, but they keep advancing the due date in the hopes that the consumer will build up such a big balance that they will be unable to pay it off without incumbering debt. 

I am convinced that autopay does not exist with this card. Today is XXXX XXXX. The balance is approx. {$8500.00}. But the scheduled payment has been delayed till XX/XX/XXXX. This is a deceptive practice designed to create a large balance on the consumer 's bill. I paid the {$8500.00} myself to XXXX out the bill. Clearly Citi Bank will not use the autopay feature as requested. And their explanation of the feature makes no sense at all. I will complain about this deceptive practice to the California State Attorney General. 
Bottom Line -- they do not let consumer 's XXXX out their bill on a monthly basis using Autopay. It is the only card I 'm aware of that uses this debt encouraging practice. Very XXXX. 
XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX County case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Already been instructed to contact this office for your XXXX to check writing school information. You waiting to do so at this point the appropriate registration papers will be submitted in complete. Please have any representing council contact us for further directions. The office is toll free number is XXXX. " Neither I or my husband know what this is about and they will not disclose that. I have had several messages left threatening to file something with the sheriff in my county and all kinds of nonsense. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The Bank withdrew Funds-money from my account without my knowledge OR permission to do so.This was due to the failure of my credit card payment. Todate i never got my money back 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX a debt collection company stated I owed {$4900.00} to XXXX XXXX, to which I informed the debt collector I did not. I was not given FDCPA, no any disclosures, I asked them to not contact me again as I did not owe any debt to XXXX XXXX and also asked for validation of the debt. to which has yet to be provided, after asking them not to contact me again and to cease collections efforts on XXXX XXXX a debt collection letter was sent to me via mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: There were fraudulent charges made on my account that was n't me and I kept explaining to Bank of America I was n't responsible for these charges and I never write checks. Apparently someone wrote checks in my name that I was unaware about and they were charged to me anyways. I recently paid the account which they told me would come off and never did so they really lied to me about it just to get my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked for debt validation from Unique National Collections for this library debt, but received nothing and further attempts were ignored. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did a refi on my home and the company was Secure One Capital. I never received a statement from them to make my first payment, so I sent it to the address in my loan paperwork in XXXX 2015. The check cleared on XXXX XXXX, 2015. Around the end of XXXX, I receive a statement form another lender called XXXX XXXX. On the statement it showed I was late on my XXXX payment. 
So I had my wife contact Secure One Capital. Took numerous calls and emails trying to get Secure One Capital to forward the payment to XXXX XXXX. Still to this date, the payment had not been forwarded. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was contacted several months ago to take care of a debt that I owe. I reached a debt settlement. However, I never received a debt settlement letter. I have made repeated attempts to retrieve such letter. I have been told that a letter have been sent out, however, I have not received any such letter. Every month, money is being deducted from my account. However, I am not sure that the debt is actually being paid off. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a delinquent account through XXXX XXXX XXXX XXXX. A collector called me over the XXXX yr collection time. Since I am working on my credit, we agreed on half the cost, {$1700.00} plus. I have record of payment complete. This was in XXXX or XXXX. On XXXX XXXX, I get a letter from First National Collection Bureau stating I owe {$3900.00}. However, this is an account number for a XXXX XXXX XXXX XXXX XXXX with my XXXX total. Furthermore, they used a name that I stopped using after my divorce from my first wife, nor have I ever owned a XXXX XXXX. I believe these practices are fraudulent. The letter states I have XXXX days to respond or I automatically assume responsibility. I have paid my debt, and I have good credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Creditor Contact DetailsXXXX XXXX enrolled me in auto-pay without my permission. They did not send emails or any other notice of payment due. The first notice was through email after my account was already 30 days late. This lowered my credit score significantly. 
XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is just a crazy series of events. I am a XXXX and I feel I am a victim of a scam. A man, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX stopped by my home stating he wanted to put vinyl siding on my house to make it look better. I told him I could not afford it. He said he might be able to get it financed. Without further communication from XXXX XXXX, a man named XXXX XXXX XXXX XXXX, a contractor, showed up and started putting vinyl siding on my home. No agreement of any kind had been discussed with XXXX XXXX. Note : My home did n't need vinyl siding to protect it as it was covered with slate shingles that will be here forever. 
Next thing I know I receive a loan statement from Green Sky ( XXXX - XXXX ) of XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX. XXXX. Green Sky 's " loan statement '' shows XXXX as the lender. The loan statement was for around {$9800.00} at 11.99 % interest for XXXX months creating a finance charge of {$4800.00}. I assume this was from XXXX XXXX and the vinyl but I had not asked for credit, filled out an application or signed a contract of any kind, signed or agreed to anything with XXXX XXXX, Green Sky, or XXXX Bank, so I do n't know if this is where this debt came from but assume it to be the case. Evidently XXXX XXXX was paid and is now out of the picture as calls to him resulting in him just stating that " he dealt with a lot of XXXX people '' and offered no help or explanation. 
My issue is I never receive any kind of statement from XXXX XXXX as to the cost of vinyl siding or did I agree for him to put on the vinyl siding on my home. Also, I have never filled out any type of application for financial assistance from XXXX XXXX, Green Sky, or XXXX Bank. I would have never agreed to the amount or interest rate as shown from Green Sky or the amount showing as I am on a fixed income. As a XXXX I had my brother, XXXX, to call XXXX advised send letters to Green Sky stating due to FDCPA I do not owe this debt. They also said that Green Sky had many complaints from the Better Business Bureau. 
I have enclosed copies of these letters I have sent to Green Sky and XXXX Bank stating this debt is not mine and to show me where I applied or signed for this debt. They can not as I never agreed to any debt in this situation. Now XXXX Bank is showing up on my credit report causing my credit score to go down. My brother contacted XXXX Bank XXXX and they stated they had no affiliation with Green Sky and refused to give me their ( XXXX Bank XXXX address. Note : XXXX Bank is on Green Sky 's loan document and now XXXX Bank is on my credit report. I found the home address for XXXX Bank on line and sent them the letter enclosed as well. 
I would appreciate you looking into this matter and stopping this unfair practice I believe to be a scam and have Green SkyXXXX Bank remove this debt from my name and remove it off my credit report. 
Thank you. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX : First Federal Credit Control/and XXXX XXXX XXXX : XXXX XXXX XXXXTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 XXXX b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX OH XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX of these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. 
Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within XXXX days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX/XXXX/2015 and unauthorized person used my information to obtain a credit report on XXXX XXXX. Upon verification of my credit history from this site XXXX credit cards were either attempted or opened XXXX days later at XXXX, XXXX XXXX, XXXX XXXX and XXXX. XXXX XXXX did not validate the request by me and now my identity has been compromised. XXXX XXXX has no published phone number for support and does n't have a clear policy in regard to identify theft yet provides, based on website description, fee access to credit history. A police report and a case has been opened with the FTC. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm submitting this complaint against SouthWest Credit who is collecting on behalf of XXXX XXXX XXXX. 

The collections company called me to collect to debt I do not owe and I explained to them that I 've already disputed the amount as described below with XXXX XXXX XXXX. Yet the sent me another letter attempting to collect the debt amount of XXXX when it should no more than {$44.00} ( as XXXX XXXX XXXX last told me ) and I still believe should be smaller amount because the {$44.00} includes services until XXXX and I returned all equipment in a timely manner. 

That being said, and to reiterate my complaint, XXXX XXXX XXXX billed me for U-verse services not rendered for the months of XXXX, XXXX and I think XXXX and they also tried to charge some sort of termination or late fees. The fee breakdown in my last bill from them was not itemized. I requested XXXX cancel my subscription on XXXX and all equipment was returned within the allowed 21 day return period by XXXX/XXXX/15. They said they got it on XXXX. 

On XXXX/XXXX/15, date of my last call with XXXX XXXX XXXX, they specified that I owed an amount of {$44.00} not {$260.00}. I asked them to send me a revised bill with the {$44.00} so that I could dispute further as I continued to emphasize that I should not owe anything. However, it seems they sent my account to collections instead. 

I submitted my first complaint to the CFPB prior to the account going to collections but since CFPB closed my complaint as it related to XXXX XXXX XXXX directly, it seems that XXXX XXXX XXXX continued collection proceedings. 

Please call me if there is any missing information that you need to pursue this matter with SouthWest Credit debt collectors on behalf of XXXX XXXX XXXX at XXXX or XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received copy of garnishment from Employer which Frederick J Hanna Associates is attempting to garnish my wages for a XXXX XXXX credit card debt. I had the card back in XX/XX/XXXX, received last correspondence in XX/XX/XXXX and the debt written off back in XX/XX/XXXX to another debt collector. I have not received any future correspondence regarding this debt until current- XX/XX/XXXX from Frederick J Hanna Associates . The amount is 3 times the original debt, the statute of limitations has passed, the debt originated in XXXX but I live in XXXX and have been living in the state since XX/XX/XXXX. It is illegal to garnish wages for credit card debt in the state of XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We paid XXXX weeks late on our OneMain Financial Account. During the XXXX weeks, the local office was told only to call my cell phone. They called my work. After that happened, I called in and told them only to call my cell. XXXX from their office called all of my " references '' ( family members and friends ) and left personal details on both their voicemails and in conversation. My wife manages the bills and was down with a XXXX which is why we were late. This person caused us quite a bit of embarrassment and harm by what she did and all over two weeks!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid AIM Corp in XXXX, and disputed its status with the credit reporting bureaus, as it was paid in full and showing on my credit report. AIM Corp reported to the bureau that the information needed to stand as it was showing, and that I would need to contact them ( AIM ) directly. I called them on Wednesday, XXXX XXXX, and was told that even though my account was paid in full and closed, they would not report that to the credit bureau until THEY were ready to. 

My complaint, therefore, is that AIM Corp disclosed false information to the credit bureaus, claiming that I still owed a debt that I did not owe, and admitted as much to me, causing me financial damage, as I am in the process of obtaining financing for a home loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed. 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection agency ( Escallate , LLC. ) is threatening me with a negative credit report. 
A notice was received today that I owe {$140.00} for medical services ( XXXX and XXXX XXXX ). 

The bill for the services was never properly explained just sent out to me for payment. 

I have XXXX coverage and a supplemental policy through XXXX for the XXXX service. Payments were made by XXXX and XXXX and an unexplained remaining amount billed to me. 

I never received any explanation and have not paid the unexplained amount. 

Please help me resolve this abusive practice. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a loan was suppose to be XXXX for a XXXX durango I gave the dealer XXXX vechicles XXXX grand prix and XXXX ford explorer XXXX down and payments of XXXX they tricked me to get the loan they said they had to raise it to get financed. The engine light was on at the time they fixed the car XXXX times but the light always came right back on the same day. My car has never passed inspection because of this. I spoke to them because i have never driven the car far because of this problem..I have tried everything to get this fixed i have been paying on a note for a car that i can only use in the neighborhood. I went to them today for help again i explained yall ripped me off and i need a car know to get around further. I am willing to compromise but I want to sue they used me and it is ally financial. I received a settlement letter in the mail a week ago about a class action suit. I am not the only one going thru this. Please help me. 

Thank youXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My previous apartment wrongfully placed us on collection without us being notified about it. I went into contact with the apartment and they agreed to settle and remove the collection they had placed on me because it is a fault on their side since i gave a move out notice complete with the my new address and phone number but i was not contacted. Several weeks goes by and my apartment said it has been taken care of but the collection is still showing on my credit report and i have tried to contact the collection agency many times they just keep saying they ca n't access the account # and send me to voicemail of some guy which never calls me back after me leaving messages 

Company response: Company chooses not to provide a public response